- Report: #758384
Complaint Review: USDIRECTEXPRESS - Internet California
Reported By:
jazzbebeya -
Sarasota, Florida, United States of America
Submitted:
Updated:
-
Author Not Confirmed
Why?
USDIRECTEXPRESS
Internet, California, United States of America
Phone:
1-888-544-6347
Web:
www.usdirectexpress.com
Categories:
Business Rating:
(0)
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USDIRECTEXPRESS Direct Express, Comerca bank, USDIRECTEXPRESS online banking. www.usdirectexpress.com USDIRECTEXPRESS MASTERCARD BEWARE-this card IS NOT A LIGITMATE BANK CONNECTED CHECK/DEBIT CARD! Internet, California
USDIRECTEXPRESS MASTERCARD BEWARE-this card IS NOT A LIGITMATE BANK CONNECTED CHECK/DEBIT CARD! www.usdirectexpress.com is NOTHING MORE than a "PRE-PAID" debit card: and is ONLY SPONSORED by Comerca bank. The usdirectexpress Mastercard is NOT FDIC INSURED against loss, theft or erroneous charges. WHAT A WASTE OF TAX-PAYER dollars! WHAT A SHAM to PREY upon the weakest & MOST vulnerable and POOREST segment of our American society- the sick, disabled & elderly. AMERICAN VOTERS & Tax-Payers OUGHT TO BE OUTRAGED! In truth this so-called bank (an INSULT to the TRUE banking community) as it is NO DIFFERENT than a VISA or MasterCard PRE-PAID RELOADABLE GIFT CARD- it is just as UN-secured & vulnerable to theft, loss & erroneous charges.
The usdirectexpress Mastercard is ONLY a PRE-PAID DEBIT CARD & therefore it DOES NOT FUNCTION LIKE A REAL MASTERCARD CHECKING ACCOUNT LINKED DEBIT CARD or Check Card- therefore, the card cannot be credited back charges without a FAXED Merchant refusal of pending charges letter on the MERCHANT"S letterhead. Any dispute of erroneous charges, double debits from the account holders funds may take anywhere from a MINIMUM of 5 BUSINESS DAYS to reverse & ONLY WITH appropriate MERCHANT verification for "RELAESE OF FUNDS ON PENDING PURCHASES" to be credited BACK to said account holder.
If the charges and double debits are CLAIMED by the MERCHANT- then it can take up to 30 days MINIMUM to effectively, if EVER, reverse disputed charges & then credit to account.
IF YOU are an account holder with usdirectexpress the BEST thing you can POSSIBLY do to ensure the security of your account funds and transactions is to open a REAL LEGITIMATE BONA FIDE BANK CHECKING &/OR Savings account with a REAL (not Virtual-online soley) GROUND located FDIC insured STABILE Bank with a history of longevity in the banking industry & CLOSE your usdirectexpress online banking account. THEN realize the ONLY way to "Make a Difference" is to "GET ACTIVE AND TAKE ACTION!" TAKE A STAND-write your government officials and tell them & hold them ACCOUNTABLE for establishing a real Bank- banking relationship for ANY & ALL government issued funds & benefits... rather than a fly- by-night flim-flam pre-paid virtual reality e-bank & pre-paid debit card dispenser like usdirectexpress online e-bank for pre-paid debit card!
FORTOLD IS FORWARNED: The ONLY way NOT to fall VICTIM to usdirectexpress is NOT to use them OR use them ONLY long enough to get you first funds and as soon as those are credited, go to a real bank, open an account, have them EFT (Electronic Funds Transfer) the ENTIRE Balance out of usdirectexpress account and into your new FDIC insured REAL bank and then, ONLY after pending status of said transaction has changed to paid debit THEN close the usdirectexpress account, DEACTIVATE the usdirectexpress prepaid MasterCard debit card & dispose of the card where it ultimately & permanently belongs- in the GARBAGE!
The usdirectexpress Mastercard is ONLY a PRE-PAID DEBIT CARD & therefore it DOES NOT FUNCTION LIKE A REAL MASTERCARD CHECKING ACCOUNT LINKED DEBIT CARD or Check Card- therefore, the card cannot be credited back charges without a FAXED Merchant refusal of pending charges letter on the MERCHANT"S letterhead. Any dispute of erroneous charges, double debits from the account holders funds may take anywhere from a MINIMUM of 5 BUSINESS DAYS to reverse & ONLY WITH appropriate MERCHANT verification for "RELAESE OF FUNDS ON PENDING PURCHASES" to be credited BACK to said account holder.
If the charges and double debits are CLAIMED by the MERCHANT- then it can take up to 30 days MINIMUM to effectively, if EVER, reverse disputed charges & then credit to account.
IF YOU are an account holder with usdirectexpress the BEST thing you can POSSIBLY do to ensure the security of your account funds and transactions is to open a REAL LEGITIMATE BONA FIDE BANK CHECKING &/OR Savings account with a REAL (not Virtual-online soley) GROUND located FDIC insured STABILE Bank with a history of longevity in the banking industry & CLOSE your usdirectexpress online banking account. THEN realize the ONLY way to "Make a Difference" is to "GET ACTIVE AND TAKE ACTION!" TAKE A STAND-write your government officials and tell them & hold them ACCOUNTABLE for establishing a real Bank- banking relationship for ANY & ALL government issued funds & benefits... rather than a fly- by-night flim-flam pre-paid virtual reality e-bank & pre-paid debit card dispenser like usdirectexpress online e-bank for pre-paid debit card!
FORTOLD IS FORWARNED: The ONLY way NOT to fall VICTIM to usdirectexpress is NOT to use them OR use them ONLY long enough to get you first funds and as soon as those are credited, go to a real bank, open an account, have them EFT (Electronic Funds Transfer) the ENTIRE Balance out of usdirectexpress account and into your new FDIC insured REAL bank and then, ONLY after pending status of said transaction has changed to paid debit THEN close the usdirectexpress account, DEACTIVATE the usdirectexpress prepaid MasterCard debit card & dispose of the card where it ultimately & permanently belongs- in the GARBAGE!
1 Updates & Rebuttals
SFC HEAT
montgomery ,Texas,
USA
Incorrect information is as bad as gossiping
#2Consumer Comment
Sat, March 05, 2016
I have a USDirectExpress MasterCard. I've been a card holder for over 3 years and have had no issues. When I lost my card, it was sent, costing $13, and received within 5 working days.
FACT: USDirectExpress is FDIC insured in relation to COMERICA Bank, who is the issuer under licensing from MasterCard.
FACT: COMERICA Bank is the bank contracted by the U.S. Treasury to manage this debit card program.
FACT: It is nothing like a prepaid debit card as it is secured by the licensing of MasterCard and FDIC (look at the back of the card! Seeing is believing!) By virtue of these relationships, the card CAN and DOES get immediately credited back any mis-debited purchases.
Now, if one purchased something then decided they didn't want it or perhaps damaged the item and the store wouldn't accept a return......that's a whole different issue. Blame not the card but the purchaser
One might want to take a deep breathe, relax, do a little research prior to raving and raging so that one doesn't look like a fool allowing ego and emotions to consume them.
