Complaint Review: Ready

This year I purchased a ReadyDebit Gold card. Since I do not like the idea of making purchases or providing my card number to my bank account to any one I have a prepaid card for said purposes. Until now I have been able to load and use the card just fine and never had a issue, well over a couple thousand dollars in fact. I had chosen to receive my tax return upon said card due to a recent decision to switch banks for the bank I am currently working with is not very small business friendly.

Prior to the deposit with the tax return I had loaded 1,000 for the purpose of bills and had paid with no problems. When I try to get logged in after being notified that my taxes should be received I had an error message to call customer service. This is when I first am told that I must fax over proof of identity. Demanding that I provided my electric bill, ID, and signed social security card. Not having a copy of my social security card since my last one was stolen with my wallet a while back I asked if legal documents showing my name and social would be sufficient and was told YES.

I was also informed my tax return was deposited, and that after I had sent my documents would be available that afternoon. Immediately after I sent the requested information and later called back. At this time I was told that the approval process can take any where from 24 to 72 hours. The reason for this, unknown. The only way I can do anything was to wait. That the person who reviews and either approves the documents is unable to answer your questions as to the lack of phone or incoming calls. And until I was reviewed my account was closed, yet when I opened the card I was never asked for the documents nor to provide them at any time prior to the locking of my account. If the validity of my identity was so important why had I never been told that I needed to provide the document.

Since the event I have been hung up on, ignored, lied to, when I ask for a supervisor I am put on hold for 3+hrs or the same associate answers changing their name. Not a single person can provide you with their job title, nor can they do anything. I'm sure that the company is committing fraud and the failure to follow let alone know anything about the federal and state regulations that govern how they work makes me feel an investigation is beyond necessary.