I work as a Union Electrician
My job requires that I work with many different contractors and therefore many different banks for my pay checks. While working at the new GE battery facility in Schenectady NY the employer offered a direct deposit option. I decided to have my check directly deposited on to a VISA Walmart Moneycard. I have used this card for about 4 years with no problems and felt it was secure. After all GE MONEY BANK is the parent company to Walmart Moneycard. How wrong I was about their security and lack of decent qualified customer service. They were going to prove to me this is the way they do business and I have nothing to say about it. Well I do
I first called about this matter when I arrived home from work the afternoon of August 11th at 4:30pm and reported the card compromised; SNCF INTERNET 298.29,358.00, JET4YOU.com 4.29, EUROLINES 72.86,114.29, PIXMANIA FR 16.49 What are theses charges I asked? The VISA Walmart Moneycard Representative claimed she did not know who they were and had no telephone information about them.
I was then told it was my responsibility to call the merchants. I said you've got to be kidding me they are in France and then I asked her if she had international calling on her home phone then said I don't have it on mine either why would I? I did manage to find a friend who had international calling and after a few hours trying to find out who these so called merchants were I found a number thru an international operator and when connected of course all of the options were in french,
Next-
I tried E-MAIL to contact the "Merchants"I CALLED The VISA Walmart Moneycard Representative
08-11 we can not cancel transaction i must call merchant
08-12 I must wait 10 business days
08-13 I must wait 10 business days
08-14 I must wait 10 business days
08-15 told to fax transaction dispute form
08-16 I must wait 10 business days
08-17 I must wait 10 business days
08-18 I must wait 10 business days
08-19 I must wait 10 business days
08-20 I must wait 10 business days
08-21 I must wait 10 business days
08-22 I must wait 10 business days
08-23 I must wait 10 business days
08-24 I must wait 10 business days
08-25 I must wait 10 business days
08-26
They made a "provisional" credit adjustments
08/26
CREDIT ADJUSTMENT This is where they get you if you use the money they start refering to it as thier money
My wife goes to the Emergency Room 09-01
Severe Migraine
I go to the Emergency Room 09-21
Shingles
I am 53 years old never before has such a thing happen to me. The DR says its caused by stress
I have tried to explain to the so called customer service representative that this was my pay check I needed it because I need to take care of my family. I had entrusted them with my income and they have let me down. I had missed out on seeing my grandchildren. Missed taking medications and this would set my budget into a tail spin. As many Americans we live pay check to pay check so when some one steals your money and your left with nothing and no one seems to care yes it is very stressful. Some how we made it thru their 10 day (16 days) WAITING period and now its over
NO Not yet they have another surprise for me without WARNING on 09-22 they removed all of the provisional credit.
This did not show up on their web site until after 11am on 09-24
On 09-24 at 8am I had gone to a local mechanic to have work done on my truck (250.00 FRONT BALL JOINT)
I hade 415.00 when I checked my balance online at 7am by 11 am when my truck was finished it was -428.57
I CALLED The VISA Walmart Moneycard Representative
09-24 we have removed your provisional credit and the "merchant" has agreed to reimburse your card within 2 bussisneess days
09-25 we have removed your provisional credit and the "merchant" has agreed to reimburse your card within 2 bussisneess days
09-26 we have removed your provisional credit and the "merchant" has agreed to reimburse your card within 2 bussisneess days
09-27we have removed your provisional credit and the "merchant" has not agreed to reimburse your card within 2 bussisneess
I must have talked to 10 different VISA Walmart Moneycard Representative today each with a different take on this 3 who hung up 2 supervisors who Assured me it would be today "I PROMISS" I RECEIVED A LETTER TODAY DATED 09-22 IT READS297.55 SNCF INTERNET
357.12 sncf internet
72.68 www.eurolines. Fr
114.00 www.EUROLINES. Frafter conducting our research, we have credited your account in the amount (s) listed above and the transactions (s) will be charged back to the merchant (s). Please note that we will be modifying the provisional credit for 841.35 that you received on 08/26 so that it appears on your account as a dispute resolution credit rather than a provisional credit. The balance of your account will not change-only the description of the transaction will be modified as of 09-28 i have no money for food or gas for my truck. I had to call in to work monday 08-26,08-27 and 08-28 will now loose 750.00 worth of pay. The truck mechanic is still waiting to get paid and i'm afraid he may have me arrested for theft of services
I CALLED The VISA Walmart Moneycard Representative7 AM - Ean told me" You were told yesterday that someone would call you". I told Ean I was tired of being lied to and being given false information day after day. I informed him of my decision to report this to The IC3
Http://www.ic3. Gov/about/default. Aspx he then hung up on me. I called back again Ean answers I ask for a supervisor, I am told none are available for at least 2 hours so call back then
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