Complaint Review: US Direct Express

I have a US Direct Express debit card so my SSI can be direct deposited.  I was told this was my ONLY option at the time even though I've just learned that I can still get a check sent.  But I signed up several theirago and around March 28, 2014, I am told that there were two "fraudent charge attempts" on my debit Mastercard.  One for $8 and change, the other for less.  There was NO money in the account so nothing went through.  

But Direct Express did not try to put a fraudulent change stop on my card.  In fact, that was not put on until April 1st, when my funds went on the card, making it so the extra time I would have had if they'd stopped the card when it was supposedly first attempted to be charged was lost to me, and when the money was on the card, I was told that it would be sent to me and I'd have it in 2 days, without a MENTION of any cost involved or other options.

Days later, when I got the card I went online and checked it and learned that I had been charged $13.50 for the "emergency" shipment that they made sure I needed by not filing for the stop on the card 3 days earlier.  I NEVER would have agreed to that kind of expense since I live in a low amount of money and have no room to afford such an expense!  In fact, I was given the opportunity to remove as much money as I needed at an atm that day before they shut it off permanently, so I could have removed almost all of the money on the card and negated the need for a 2 day shipment that I was never told would cost me.

Their calls are all recorded, so the PROOF of what I told them is entirely within their ability to check!  I have NO access to those tapes.

I was told the day I complained that I would get the money back within 5 days on my card and when it never arrived, I called and was told they changed their mind.  They never called and even if they DID check the tapes, they didn't care.  It's like they get a percentage of what they cheat their elderly and disabled clients out of!  I am both elderly AND disabled and the loss of that $13.50 may not be much, but it will leave me with no food for several days.

It is nearly impossible to get through to this company.  No email is available and their only phone number has NO ability to speak with a human being unless you lie and say your card is lost or stolen.  Otherwise, you can press buttons all day long in their automated system and never hear a live human voice.