Direct Express Reviews

Need to update your cards and add tap tap feature on your cards like the other cards do.

Your card isn't that good because I tried to use it on Google play and you declined it all the time and it upset me to the core. Can you please fix it? Make it work again.

They are not going to reimburse me for fraudulent transactions. They are terrible and do not honor the FICA insurance that is supposed to protect individuals as for myself. It's obvious that their card is not secure, which costed me, a disabled individual, to do way more work setting up another account for my social security payments. Please advise, do not get this card, ever.... Just run.

Instead of doing a real investigation, they quietly closed my case on the 12th business day without ever notifying me; I had to call them myself just to find out it was shut down. They completely neglected to pull any ATM security footage or camera reels. When I escalated the case, they just sent me a massive 26-page denial letter to clear their desks.

This "company" has been nothing but a headache since the SS selected to pay my benefits... Customer service is USELESS!!!! They do not assist you, the transfer to my bank acct was marked as suspicious and they got several copies of my most sensitive documents and did not linked my funds to my bank account.

To Whom It May Concern, I am filing this formal complaint against US Direct Express (Direct Reserve Credit Card) regarding deceptive business practices, failure to deliver services, and unauthorized credit inquiries. I applied for a credit card with this company over two months ago. Upon approval and being assigned a credit limit, I paid an initial fee as requested. Subsequently, I was asked for an additional fee, which I paid in good faith. I was informed that my card would arrive within 7-10 business days. That timeline commenced on April 16, 2026. As of today, June 1, 2026, I have yet to receive the card.

They literally have the suspect that used my card info ON CAMERA, IN-PERSON at the #douglas county courthouse but they denied the dispute. There has to be persons at Direct express or its affiliates that have given out the account info. The courts, district attorney, and the police in San Antonio and Omaha ALL know and have done nothing. The dispute department at the card company must have something to do with it as well. It's disgusting how corrupt these places have ALL become. I DID NOT AUTHORIZE ANYONE TO USE MY CARD INFO.

Last week I spent over 8 hours on hold for assistance over three days. I spoke with many different representatives, supervisors and their fraud department over an issue that should have been easily resolved. Each person told me something different. They were lacking in every way. Even though I followed instructions on their website/app, and what I was told to do over the phone. Nothing worked for my situation. I was told it would never work, and that I should take my money out and put it in another bank. I did exactly that with 5K the next day. That credit union’s debit card worked for what I needed on the first try.

I have been trying to call the dispute line for 2 days and no one will answer the phone. I have been on hold for hours at a time and nothing.

I give them a minus 10. Awful. Don't sign up. If you run into an issue, you will spend months trying to resolve it. The worst service ever. These people are abusing the elderly. My brother, an elderly, has been trying to access his account for over 6 months post an illness and all he gets is the run around. He calls them and every time he ends up having to speak to an agent and ends up transferred from one agent to the next. One time he waited 4 hours and one minute and still he could not get the issues resolved (see screenshot).

Wow how do they get away with this is what I want to know. I tried to help my friend. She is here at Wilton Rehab. We have sent emails with all of her info. Birth Certificate, SS card, ID. Same issues. They say expired ID when it it 2027. Then we did it on the cell phone where they send you a link for copy of your ID & your face recognition. The lady name Annette. No last name apparently. She asked for mine but said she cannot give me hers. Why is there no accountability? How do they stay in business?

This Direct Express sucks. They say they have a 24/7 customer service. That is a lie to the American consumer, my card has been messed up all weekend. I have not had access to my funds all weekend because I started calling them about this issue Friday night and all I get is a recording that they are experiencing high call volume please call back during their not peak hrs. Here it is Sunday and I am getting the same message. WELL WHEN IS NOT YOUR PEAK HOURS WHEN YOU WAKE UP!! It is stupid for you people to treat people like this. 3 days are your peak hours get real!! Idiots. 00000 stars.

I just think it’s inhumane that it is 2 o’clock in the morning. My card got stolen or there’s money that’s being taken from it and I put on hold for 45 minutes let alone I’m terminally ill and my heart is racing because I’m so scared of how unorganized and unprofessional this company is. And then I get no answers or I get answers that are kind of like all I need. I knew that I am running to switch my stuff over to a bank account and I’m telling you friends I would do the same if I was you..

Worst customer service on planet. I needed them three times for fraud reviews. Failed all three times. Don't even think they bothered. I can't believe the government allows these people to handle Social Security payments and SSDI payments. Top people should be fired. Just a horrible horrible company.

It's A scam. They keep your money, they don't return it after you've been Hacked, My SSi chose this bank. I'm hiring an Atty. I'm not done with this group of hand picked **.

They stole 300 from my Direct Express debit card in fond du lac Wisconsin walmart. I call direct express to do a claims, that resolved take 45 days. I ask then for a temporary 300 until they resolve the case. More than 10 days. I call today. Direct express tell me that they denied my 300 temporary because they don't believe what I say. Ok. Next month I'm moving to another bank. Direct express is a piece of crap. Don't use their service. Open a regular bank.

It's been two months my mother in law's been trying to get access to her SSI benefits. Direct Express put a block on her card so I had to spend hours on the phone waiting for them to answer so that I can help her send her ID to be verified. She is 74 years old with some dementia. Direct express an email saying they need more documentation because the ID doesn't have an expiration date. Well Arizona IDs don't expire. So I send her other documents, never get a confirmation email.

I can’t believe this. They never put the money ever back into your account when you get refunds from stores, etc. Then today I have a -29.99 day reversal adjustment, Are they kidding? Guess what I getting rid of you. How dare you rip me off again.

This card sucks. It is constantly declining my transactions. I can't pay a bill from local utilities because it gets declined. I have never been close to being overdraw, the card isn't locked & I'm sure they can't say City of ..., or Southern CA gas are questionable vendors. Calling does no good. I'm just getting rid of the card after I have been told I have to go to social security office to switch my direct deposit. You are supposed to be able to do this online but they won't let me!! I just found out shower gift I was expecting today that I ordered from Amazon for less than $30 was declined so I have no gift. There is nearly $3000 in my account. Do not use them for your Direct Deposit. I have had Direct Express for nearly 3 years & these problems have been happening with more frequency the last 6 months.

It's garbage, you can't order anything online, you can't pay for a Lyft. I would never recommend this card to anyone else, as it is I have switched my SSN payment to a new bank because of the issues I have with this card.