Wal-Mart Complaint - Beware of the Wal-Mart Money Card
When you purchase the card, you have to pay $3 to put money on it and you are given a card at the register, but you cannot use it until you go online and activate it with the activation code provided at the bottom of your receipt. I only needed to use the card twice, so I went online and activated it...should have run from it as soon as I started registering, but they say hindsight is twenty-twenty.
When you go online to activate the card, you are asked questions about signing up for daily emails, given offers for free fill-ups on the card as long as you set up a recurring direct deposit from your bank account, etc. I skipped the direct deposit and everything else but did sign up for the free daily emails giving me my card balance. You MUST sign up for a permanent card to be sent to you that has your name on it when you register. I didn't understand it but since I couldn't use the card without doing it, I signed up for that as well.
After I filled everything out and printed out the paperwork, as requested, I noticed in the fine print that you are charged a monthly maintenance fee of $3. I thought not a problem since I was going to use it twice and shut it down. I received the emails daily after the first bill was paid and every one of them stated my remaining balance was $5.32 (from January 3 through February 5).
I went to the local Wal-Mart today (February 5)to purchase a re-loader card (another $3) and after I arrived home I tried to add it to the current balance. I had to input the information about the permanent card and then they transferred everything from the temp card to this permanent card. That was when I found out that I didn't have $5.32, I had $2.32.
I called customer service to find out why I wasn't charged the $3 fee AFTER having the permanent card for 30 days and according to the agent, the fee isn't charged after having the account or permanent card for 30 days, the first fee is charged 10 days after you open the account (which coincidentally coincides with the arrival of your pretty permanent card).
I told them they had misled me for the past month as to the balance on the card and I wanted to speak to a supervisor about the fact the company had misled me on daily emails for the past month. The gentleman put me on hold for almost 10 minutes and then I was suddenly transferred to a customer service survey asking me to rate that particular representative, his knowledge, and his ability to help me.
I promptly hung up and called back and was able to connect to another representative She also gave me the song and dance about the fact that yes there is a fee...in essence the same spiel the other guy had said. I again asked to speak to a supervisor about getting the fee refunded because of being misled for the last month...she puts me on hold and comes back to say she can refund the fee, but I have to wait two business days for it to be processed through. I tell her that will not happen because I refuse to drive back to Wal-Mart to pay another $3 to put $3 on the card to pay the bill so I ask a third time for the supervisor and after being put on hold again, I still don't get to speak to a supervisor but suddenly they are able to refund the fee immediately.
Trust me, these cards are not worth the heartache or the hassle. The only reason I took out the card was because the bill collector wanted an account number to pay off the bill and I refuse to let them near my bank account...momma didn't raise any fools there.
So for anyone reading these reviews, be very leery of these cards. I have learned they are not all they are cracked up to be and you will way more in fees than what you expect.