I've had Wired Plastic for 2 years. I reported fraudulent transactions that were made with my pin in another state hours after it happened on a Monday. The transaction was pending authorization. I told Wired Plastic these transactions were not authorized and canceled my card plus requested a replacement. They told me to call the Kmart these 3 transactions totaling $235.17 were made at.
I called the Kmart in IL (I live in GA) talked to a manager and requested that she check her transactions report so that I could have the charges lifted. The woman called back and said there were no such transactions. I called Wired Plastic back and they then told me they were having computer problems and my money would be refunded in 24 hrs.
Tuesday, no money I then was able to speak with a manager who actually cleared the transactions and refunded me the fees involved. I held on hold for an hour.
Wednesday, I check my account to make sure the money was there. I could not withdraw the refunded money because I had canceled my card. The same three authorizations were on my account again (holding the same $235.17) These UNAUTHORIZED transactions were put through the evening before at 11:30 PM - same Kmart in IL. I call wired plastic again and was able to speak with another manager who told me to call the Kmart again. I did and spoke with the same manager I spoke to previously and she told me the store is closed during the hours of this transactions and they do not automatically push through transaction especially with the card machines off.
Their store cannot put through manual card transactions either. So how someone was able to use my card number and pin for these transactions I don't know. There was a declined pin transaction fee which is how I've figured they have used a pin.By the time I called back with information from the Kmart manager the authorization had gone and the money was completely removed from my account.
For accidental authorizations to come off of your account it takes 15 days but for someone to steal money out of your account it takes 3 days for the authorization to go through... EVEN WHEN YOU HAVE NOT AUTHORIZED! I was told that Wired Plastic no longer had my money and that I would now have to file a dispute by faxing over my claim to the fraudulent activity via fax. The manager I spoke with said Wired Plastic had proof that these were authorized transactions and said he would talk to the manager at the Kmart in IL and forward on the problem to the fraud department. I faxed the information and gave him the direct number to the manager in Kmart.
Thursday, call to follow up on what the situation was. Spoke to another CSR who said that it could take 3 months to fix the problem even though my money was refunded on Tuesday. He told me he could not find my fax and that I should file a police report so that the process could be sped up and I would have less problems with the dispute. I was told to call back and speak specifically to him so that he could stay on top of the issue and follow through with resolving it. It took me a day but I got the report.
Friday, I call back to speak to the specific CSR. He is not there, though he told me the day before when he worked. The manager that refunded me wasn't there either. I refaxed my dispute claim as well as the police report that all week no one told me I needed.
Saturday, Spoke to a rude manager that kept spitting back to me my explanation of the issue and kept telling me that Wired Plastic does not have my money. I explained that it is illegal for them to not put the funds in dispute back minus the $50 I could be libel for while they investigate. This policy is clearly explained in their Cardholder Cgreement.
After being patronized and give no clear resolution with exception that it's with the fraud department and I probably wont see my money for 3 months while they "try" to get the funds back from Kmart. They offer me no proof that Kmart has my money. I asked for the numbers of their corporate office and fraud department and she told me that she could not give me that information. I tried one last time to reach the crs that had helped me on Thursday. I was told he was not there and that he now works the night shift, to call back at 10pm their time. The call center is closed at 10pm.
Note to anyone who has had problems with wired plastic taking their money.
I have called many places getting to the bottom of wired plastic and BankFirst the issuing bank. The issuing bank BankFirst is whom is responsible for your money with wired plastic. BankFirst said they were not responsible for my money when I spoke to them and to take it up with Wired Plastic. BankFirst IS NOT an FDIC bank like they advertise on their website. After calling FDIC and other government agencies about the illegal practices of wired plastic and BankFirst I was directed to the Federal Reserve Bank who regulates BankFirst. If you have reported fraudulent activities on your card within 2 days of the transaction you are only legally libel for $50 of that. Meaning you should get your money back while the fraud is being investigated... Not wait and see if they can get your money back. If you have this problem file a complaint with www.FederalReserveConsumerHelp. Gov. WARNING WIRED PLASTIC STEALS YOUR MONEY with mysterious holds and fraudulent activity! You might get it back and you might not!
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