Complaint Review: Walmart Money Card - Pasadena California

Users of Walmart Money Card are supposed to be able to fund their cards at any Walmart at the checkout lane cashiers. I travel all over the coungtry in the course of my work and have had my card about three years. About 50% or more of Walmart stores do not allow funding of Walmart Money Cards at the checkout lane even though Walmart Headquarters in Bentonville AR say they are supposed to.

I called Walmart Customer Service in Bentonville AR at least a dozen times over the past two years to inform them that many stores do not allow funding of the card in the checkout lanes. Instead they direct the customer to their money services dept or customer service area where they also do merchandise returns and exchanges. There are about 80% of the time VERY LONG lines at the money center departments and customer service areas. 

The card is represented as a convenience however I  have often been very inconvenienced by this situation having to stand in long lines with people returning merchandise or exchanging merchandise or waiting in very long lines with people at the money center departments sending money electronically or cashing checks.

Because of the many Walmart locations refusing to fund Walmart Money Cards at the checkout lanes the customer has to often wait in long lines to checkout and pay for merchandise and then stand in very long lines at the money center or customer service department to fund the money card.

Recently Walmart Money Card system debited my Walmart Money Card Debit card when the card had a zero balance resulting in a negative balance on my card and I was not able to view the transaction history to see what caused the negative balance or get information to dispute the transaction. The card is a debit card not a credit card and Walmart Money Card may be in violation of federal banking law by processing a transaction when the account has a zero balance. 

As well Walmart Money Card are in breech of the user agreement between myself and Walmart Money Card services by performing a transaction that involves and extension of 'credit' (to the business that issued the debit transaction to the card) while the card has a zero balance. A second count of breech of the user agreement may be that the Walmart Money Card service restricted access to the transaction history information online of my account so that I cannot see any transactions.

When I called Walmart Money Card customer service personnel there were very abrasive and uncooperative. They refused to reverse the invalid and possibly unlawful transaction that caused the negative balance on my debit card.

Once I have completed my complaints to the California Attorney General and the US Attorney General and possibly filing a small claims lawsuit against Walmart Money Card Services in the county of the entities jurisdiction; Pasadena California I will be cancelling my debit card account with Walmart.

I think Sam Walton would be ashamed of the way Walmart is being run overall in the USA.