This company is not yet accredited. To learn more, see reviews below or submit your own.
Keep an eye on your inbox, the lastest consumer news is on it's way!
A link has directed you to this review. Its location on this page may change next time you visit.
I made several purchases that asked for pin. Unbeknown to me at the time for many months I was charged for using my pin every time. They cash in on protecting my own money 1.25 every transaction not including cash withdrawals even more charges! That’s just the beginning! I made a triple DVD purchase at Best Buy online one of the DVDs was a preorder so my PLS card was supposedly charged for a hold of the funds about 85$ The funds came off my card. Two days later I was charged about another 82$. I am estimating without the cents but it was for the same purchase. The funds came off my card as a charge. Not ever a hold as I was told it was pending and the funds would be returned after the transaction was complete and being the DVD’s I purchased through Best Buy.
I was then again charged for each individual DVD as it was shipped each individually as they became available for release so basically I was charged 3 different times for the very same purchase. The funds always coming off my card are sent in a text message and I was never recompensed for the charges authorized by PLS! I authorized one time payment and I was charged with proof In text of date and balance on card changes and available and the monies are gone from my card and not ever returned as I was told they would be! When I called customer service they told me they don’t even have record of the original charges. Even though I gave them the exact dates and times of each one separately which I still have proof of in text from expectations card account! I was told by them I would have to file a dispute 45 to 90 business days and shut off my card and account is my only option to get my money back!
They blame Best Buy and Best Buy blames them for the holding process. They actually remove the funds for not hold and then authorize the chargers again and again for the very same one and only authorized purchase by me! How this is legal I don’t understand nor can I see any resolve they are willing to help happen in any reasonable amount of time. I’ve paid over 200$ for 3 Bluray discs that cost a total of 81$ due to the practices of PLS and their scamming ways of picking pockets hoping you don’t notice all the missing funds! 1$ here 5$ dollars there all mixed in strategically times the many customers they scam taking advantage of the less credited people that are using their services! I would not recommend PLS. They are set up to take advantage of those more fiscally irresponsible and mostly poorer communities they are set up in! Beware!
Bancorp is holding on to funds that's been verified on where they was coming from. I am a independent contractor and the Bancorp is not releasing my funds after I have provided all the documents that was need. Now that all documents have been received after 10 emails and 20 obscene phone calls about the releasing of funds. This has been going on since November of 2018. Can or will I ever get my money back that I worked hard for. Bottom line DO NOT USE XPECTATIONS CARD THROUGH BANCORP. THEY WILL TAKE YOUR MONEY AND TRY NOT TO GIVE IT BACK. I have been on and off of phone calls about them releasing my funds. So my next step is going public ASAP.
Don't use PLS. Don't trust PLS. They steal your money like crazy and try to find excuses on why they're charging you. I will be getting myself lawyer to place a lawsuit against them. They've been caught and they know it. Period. PLS should close all their businesses. You guys are thieves.
This company, is deceitful. They're not here to help you out, the dispute department is astonishing. You can't talk to the your assigned caseworker on any error or dispute you may have started. Why in the hell can't you talk to the person who is control of your case... It's ridiculous... To whoever reads this take heed to this message. NEVER GET A XPECTATIONS CARD... NEVER.
Xpectations is the worst credit card company ever. Do not use this card. I had money on the card and I get a text message saying that $37 was withdrawn from my card. The question is why is people's money being taken out of their card. What kind of company are you guys running? As soon as I get my money back I'm taking the money off the card and I'm throwing the card away. Me and my father wasted our time on this company. Dont use this card. I'm beyond pissed!!! I'm surprised 0 stars is not an option!!!
- 1,545,314 reviews on ConsumerAffairs are verified.
- We require contact information to ensure our reviewers are real.
- We use intelligent software that helps us maintain the integrity of reviews.
- Our moderators read all reviews to verify quality and helpfulness.
For more information about reviews on ConsumerAffairs.com please visit our FAQ.
Long story short, I've been with PLS over 10 yrs. I've trusted them with my money even after moving two states! They have denied me access to my funds saying I wasn't me, even after sending ALL the proof. They've denied me funds because someone took it upon themselves to give my mother the same last name as I and so failed my own security questions. Money has come up missing that they had "no trace" of who took it or for what. This amount hasn't even been deposited in amount shown from social security. And LASTLY, I called two months in a row in advance to get a replacement card before this one expired. They assured me I'd get one in time and would still have time to use this card 10 days into the next month even if I hadn't received the new card yet.
Smh, for two days they've been saying they changed the date and gave me an extension to remove at least $410 and the balance on my new card when it comes. My rent is late after midnight and they're still giving me these bs runarounds!!! Their BANK IS HERE?!? But I can't go there to get money from them since "the magnetic strip" still won't allow me to get MY MONEY off of the damn card!?! And they could "expedite" a card but I'd have to pay $25!!!THESE PEOPLE ARE ** RIDICULOUS! They're liars, scammers and thieves and would trust an honest crackhead before I'd ever trust these people again!!! This is real BS! Some people can't afford to pay their ** bills late! My check wasn't sent late! I'm shredding this ** card AS SOON AS I GET MY MONEY!??
PLS Expectation card is a scam!!! Beware I had one for years. I was being charged a dollar for every transaction I did with my card and also I was being charged seven dollars a month to use my card. Supervisor of PLS Put money back on my card because they wrongfully took money off my card and was caught. And this been going on for years without me knowing. They was Stealing low amounts of money out of my account. And when the lady supervisor knew there was no where to run that she was called. She said, "Well we will refund your account." They been stealing money from my account for years but she only refund it one month $8. What a slap in the face. So I just stop using the card and checked on the eight dollars every once in a while. Well guess what they stole the $8 dollars back. I never use the card one time either. Scam scam scam. Manage your own money or go to a real bank. They will rip you off.
I spoke with a representative by the name of Antonio, who wasn't intelligent enough to explain how the card works. He had the nerve to have an attitude because he can't explain how the card works. I called back and got and intelligent reply who tried to help with troubleshooting. BTW, the card is awful as well.
I purchased a money order $710 on March of 2017 for my rent. Got a letter from my landlord saying they never received the payment. Went back to the location where I purchased it in Jerome Ave, Bronx, NYC. Well it was cashed by someone else even got a copy of my landlords info deleted and the other persons info written on it instead and it was cashed. I even went to and did a police report. Well it's been a year now and it's supposedly still being HANDLED. I'm very upset because when I call or go in to ask I get told by the manager to just be patient and wait. It's been a year and I'm a single mom, I had to pay rent twice because of this. The customer service is horrible. I really need this ASAP. Thank you.
I've been a customer for 8 years, go in every 2 weeks to receive my payroll check from my job where PLS prints out your check. Today is Thursday Jan 18, my original payday, PLS advertise 8 years ago you can receive your check 1 to 2 days early, Jenni Bank and trust released my check since Wed Jan 17, had to talk to a manager, D. **, to I reached the guy over D. **, they say it's a glitch in their system. Try to offer 500 in advance but I want all instead of half. Long story short I have to wait until Friday to receive my check I worked hard for, they make me feel like I'm annoying them, not walking in my shoes...big mistake that I have continuing being a customer. I want to get my check and be done completely with PLS. They honor not what they advertise!
Been with PLS a number of years. Wanted to add my married name. They refused me a card even after looking at my driver's license, social security card, birth certificate, and marriage license. Finally got card nearly a year. Lost it and had to go through almost the same nonsense again but thankfully corporate managers were in the office and assisted the customer service rep. It still took almost 2 months to get a new card and when I was called that the card was at the PLS for pickup I explained to the young lady that I had just had surgery and that my husband would be coming in and I would have him parked by the door so they can verify me sitting there. My husband goes to pick up the card and was denied. I was sitting in the car with the brace on my back and they called me. I described what suit he had on shirt and tie and told them that he had my license and that he still had his Florida license.
I gave the name of the rep that I spoke to her and told her to know the my account that I have had surgery. The clerk was rude and even hung up on me. I managed to get myself out the car and walked in there and she didn't even want to look at me when I told them this was my husband and I was going back to a car. It's sad to say that they were supposedly doing this for my protection but they are going overboard. Just like my experience at Bank of America. I'm ** but they allowed Rosa ** who had stolen my payroll check to walk in and cash my check. I have a very distinct penmanship. I include my whole name including my middle initial my maintenance married name. She only put my first initial and married name. She didn't have any ID from me as everything was in my purse. Sadly she has a warrant out for her arrest over $324 and considered a felony. Sad is best to keep our money in a shoebox.
I went to PLS store near me to cash a check and the representative told me that if I purchase a prepaid card, the fees would be lower when cashing my check. I decided to go ahead and get a prepaid card in which was my first time and I loaded $300 on the card. I did not use the card at the time however, several weeks later, PLS contacted me to let me know that my card was ready for pick up with my name on it. I picked up my card on Friday 10/13/17 but did not activate it until Saturday 10/14/17 late that evening. I use the card only twice but at 12:30 am Sunday 10/15, a withdrawal was made from my card.
I called the card company to file a dispute but also contacted the police to file a theft report. My dispute was denied stating that I authorize the transaction. I have been calling Xpectations customer service trying to get this resolved and no one is helping. I am very upset because I should never have to fight for my own money but it is really strange that my money vanish from card, not to mention the card was never lost and it was in my wallet but somehow someone was able to obtain my personal information and withdraw money from my card at an atm. As of today, I am still fighting to get my money back. When you contact the Xpectations customer service line, it's like you are getting the runaround and no one is helping.
I've been going to this store about 3 yrs. Greta, Ogie, Joselin, Raeda. These worker are the best. Every time I go they always put up with me even if I am complaining. But l love them. Their attitude always the same kind and friendly. The Manager there are the bomb. She respectful and kind. Ogie is my girl. I always tease her about her name. I would recommend them to all my friends and family. Love y'all.
From day one I knew there was a problem. The customer service representative at the Freeport, New York store seem to be a little frazzled. I get direct deposit and what do they do? Steal the funds!! I was using the prepaid Visa card to make purchases online as well and when I returned an item to nike.com they said they release the funds to BANCORP... the company or bank that handles PLS funds. That was 2016 and I still haven't gotten a resolution. Then I go to the same location a few months later because the magnetic strip on my card was no longer working. She gave me another card right then and there and I activated it right away and lo and behold $500 and change goes missing on my account 20 minutes later. I didn't have the card then and I was told it was done online with a Target store and $10 of it making an inquiry about a hotel in Aruba!
PLS the customer service rep at the Freeport location had to be the one to do it because she should have cut the card up in front of me etc. They told me they were going to get on it and all would be well. Okay well it's 2017 and I have received nothing! Now here it is July 2017 and for the last two years or so I was saying to myself there is no way I am spending that kind of money but it's a banking institution. I was trusting PLS.
Well today I found out they steal over $1,800 and that was through direct deposit it and they have been doing this for 2 years since I was issued the new card!!! Then They tell me that there is no supervisor available for the latest incident and that they would have a supervisor call me back!! It's obvious SOMETHING IS FISHY OR DOESN'T SMELL RIGHT OR CAN'T PASS THE SMELL TEST!! Without divulging everything I know they have been stealing funds because I'm looking at the website and right before my eyes information is being changed in REAL TIME!!
Kind of Tricky or Lack of training - Yesterday I bought a pre-paid card because the person who offered it was very nice and I thought it could be good idea for online purchases. The person told me that they had two plans paid as you go or you paid $6.95 a month, but if you use ten times a month they won't charge it or put the money back in your card. First they charged me $8.00 for the card, I put $20.00 on the card. But today I called to set my password and I found that I only have $13.05. I called the company and asked the reason and first they had my date of birth wrong, when I provided my driver's license with the right date of birth. Second the customer service person told me that they charge $6.95 a month no matter how many times you use your card, and that they only had the plan pay as you go, which is $1.00 per transaction.
More than that I have to send a copy of my driver's license by fax, mail or whatever to amend the error with my date of birth. I think this is a very good way for them to make a lot of money giving the wrong information. I am going to cancel it. It was a waste of time and money. I better use PayPal or any other safe service to make my purchases online.
I went to the PLS on 7th Av. in Manhattan after work around 1:28 AM. I had my check from my job and asked the cashier to please put $1200 onto my PLS Card. I had changed my number earlier on Friday and was not able to get the usual text messages when I do a transaction. The cashier said she put the $1200 onto my card. She gave me back the change I was expecting and when I looked up my account the next morning, she had only put $1100 onto my account and now I have $100 gone from my account and no one is helping me recover this money. I have called the district manager and he has not yet helped me recover the $100 that was not put onto my account. I don't feel I should deal with PLS anymore because of this.
My card was stolen today. I called to report it and the young lady stated that she could put in a request to have my funds transferred to a new card in 24 to 48 hours. But I need to go into PLS and get a new card. I told her, "Okay but I need gas. Is there anyway I can get my funds ASAP." She stated yes once I got the card to call back in, talk directly to a Manager and the manger could put the money on there immediately. But I had to call before 5 pm.
I got the card and I called in and got Customer service and was told by a man that the lady that told me that lied. They don't do that. Everyone has to wait their turn and he would put my name on the list. I then said, "But she told me to call and speak to a manager." He put me on a 2 mins hold then came back and told me no managers were available. That he put in the request and then repeated that under no conditions do they ever move anybody to the head of the line. So, that pissed me off because if I need to pay for my mom's medicine and my kids' medicine they would have to wait 24 to 48 hours to get the meds they need to survive. PLS wouldn't give a damn. Because according to their policy no one gets special consideration. Everyone must wait their turn.
I hung up and called back in through the stolen card department and got Teresa and she apologized for the first lady lying to me. She got her supervisor to see if since I was lied to if the Manager would make an exception. The Manager state that she apologized for the rep telling me, that she will make note of her mistake and give it to her supervisor so she could give the rep more coaching so that it doesn't happen to anyone else. But I would have to wait. So, they are in good standings. I help them point out a problem and they did nothing to make my situation right. That tells me this company could give a damn about its customers. That's really sad because I have had this card a long time. They never gave me an order number.
Hillside Ave 175th St. Queens, New York. This day marks the day where I will never enter a PLS store again. I'm a hardworking man with two kids to feed and after a long day of work I just wanted to cash my check. I work with the autistic community and I feel well deserved to my cash that I'm paying you to cash. Immediately as I entered the store there was an attitude. As the only customer at the time they were taking extremely long to even acknowledge me and when they did service me somewhat they told me they couldn't cash my payroll check from Astoria Bank claiming they can't verify my check because they need to call my company. How bogus is that? And I know they did it because I'm a black man. Now my kids gotta suffer the night cause someone wanted to be a racist. Very poor customer service. I just might take legal action.
Called in two days ago to ask how to protect my card because I was getting a hefty deposits in two days that would be deposited to the card. Well the customer service agent helped me. She changed one number in my birth date and my mother's maiden names were changed to another name. Well she was very helpful I needed to ask a question.
Today I called Expectations and I give them my old information and to my knowledge my new updated security answer wasn't allowed to be changed so I asked for a supervisor. Supervisor comes to the phone and tells me the customer that my new updated information can't be altered and that I need to fax in my driver license, an ss card because the customer service rep had no businesses helping me secure my account. I said I have had issues with this card and the deposit that is being deposited is my tax refund and I'm just securing my info because I have family members that are not honest and they know all my information and I don't want my money stolen. So that's why the customer service rep tweak my info.
The supervisor went on on how that can't happen and suggest I get a new card. I said "I have two prepaid cards from you guys." Well the problem wasn't solved. She still insisted that she was putting a hold on my prepaid account until I fax that information. Wow. I'm angry, upset and feel let down. I will provide the info to them but I will all of my tax refund off the card and will not ever use Expectations and for you all that has a card with them I hope this reach you. Bad business. There is no protection with your identity with them. I purchased the cards through PLS.
This is the worst prepaid card I ever had. They reported my card lost when I never instructed them to. I went to a PLS and added funds and that's when I found out they had reported my card lost or stolen (my card was never lost). They told me to go back to PLS and get a new card and 24 to 48 hours they would transfer my funds on the new card. It's been 2 days now & I still have not received my funds on the new card??? I have spoken with 8 different customer service reps & they keep asking for my phone number but no one is calling me back. I should have stuck with NetSpend, because they take care of their customers??? Xpectations suck!!!
I lost my card and called it in to get it cancelled. Problem is, there is no way to get my transactions record. I've spent hours on the phone with the worst and rudest people I've ever had my entire life. I've been to two different PLS stores ten miles apart and got the same attitudes that I had with people on the phone. Stay away from "XPECTATION" card if don't like excessive fees and bad attitudes when it comes to your money.
So my credit/debit card was charged by Sprint and I never had Sprint so I call PLS card services and for one they blocked my card and told me to go and get a new card and they would transfer my money over. It’s already been 2 days still no money on my card and when you ask to speak to a supervisor it’s always “Oh they have to call you back.” like wtf so basically if anything happens with your card it’s best you not call and report it because you will get the short end of the stick. They don’t wanna help you out or nothing, just tell you to wait which is so ** so I recommend you not to support the PLS card services movement. Please be smart. Choose another card provider....
So I went on Amazon.Com to order my 6 year old something. I made the purchase and also signed up for Amazon membership. I canceled both the order and the membership. I called Xpection's customer service and explained what happened. The Rep told me to tax over the email I received from amazon. The supervisor are the only ones that have access to the faxes. And they check them every 2 hours. Needless to say I went to kinkos tax over them info. Waited a few hours called still no tax. Went back to kinkos refax the info called the next day no tax. I received the money back the next day for the membership. However I still have received the money for the item. Called back to speak to a supervisor. They ALL ARE BUSY HELPING OTHER CARD HOLDERS and the customer service Rep name Paige hung up in my face. I'll never do business with them. Once my money post I'm closing that acct.
I came in on a Sunday night. Monday at midnight to be exact and there was about 10-15 people in line. Only one teller and there was 2 other employees working. Instead of them helping they just stood there pretending to work. Paul and Gloria are the names of the people that didn't help with the CUSTOMERS IN LINE. I was there literally for a little more than an hour. It is too late at night to be waiting in line. I was extremely upset with the service that was provided. Something has to change. I hope I never go there again.
Paid for a hotel room. The hotel gave me a refund of the amount because I had pets. Had to have the hotel fax over the correction on company letter head to get my money back even though they did it electronically. Only got one hotel room back. They are holding the other amount because it has the amount of the hotel room and the authorization amounts for both rooms and the rooms are what they have the amount for are not the same. But the hotel can not give a receipt or a letter with the amount of the authorization amount because that is fraud. The authorization amount was never charged therefore it's fraud for showing it. They know this as I spoke to a supervisor. She confirmed it but still refuse to release my money!!! Plan to cancel my account and report them to the Better Business Bureau.
I dropped my debit card at work. Someone found it and turned it in and my employer called and reported the card to Xpectations being that it was a temporary card and it did not have a name on it. Nevertheless they cancelled the card and told me I could come get a replacement. I did and my direct deposit was already IN my account but when I called customer service they told me it would take 24-48 hours for the money to be transferred to the new card. And 3 days later still no money... Every time I speak to someone they tell me that it should be on my card shortly, and I call back when it's not and they'll say it may be the next day. Whenever I get my money I will close that account and never use them EVER AGAIN IN LIFE...
I paid my loan off at the PLS Store in Schofield WI and never received my title back. I went to get a replacement title today and the DMV employee told me there was still a lien against my title. I was a loyal customer to them, paying on time and completely off. This is totally unacceptable. It is now causing me embarrassment as I have a buyer for my car that wants it today and I cannot give it to them because PLS did not release my title and there is no phone number anywhere to call to talk to someone about this predicament they have placed me in.
I had 2 money orders that were filled out and signed to my landlord stolen out of the mailbox and cashed at two different PLS locations. I called to discuss the matter and no one cared to even investigate what I was claiming. I was told that the person who cashed the money orders is one of their regulars and was never asked to show the proof that I have of the fraud. No one has reached out to me to date and the money was for rent that I desperately need back. I do not work and I am a single mother and had actually lost my job, a few days before this all happened.
I am a frequent customer at PLS in Jamaica Queens. Don't I went to pay my rent and con Edison bill like I do every other week. I walk up to the window told the Customer Service rep what I was going to pay and how much. Next then I know the shift Manager walk up to the window and ask me how much was in my checking account... pause... Then she repeat herself... pause... I then ask her, "What does my checking account balance has to do with you?" As long as I have the money to cover the bills, that I'm there to pay. Again she ask me how much money was in my account. I have been going to this location forever since they open up in Jamaica Queens. I no longer feel safe using PLS. I feel that the shift manager Natazia was rude...
Over a period of time when using the PLS prepaid card I began to recognize unidentified charges to my account. Firstly, I phoned when I first received the card because I recognized that there were consistently $1 charges being deducted from the card and decided to switch to a monthly fee. I was informed that this would be a $5 charge but to my surprise about 2 months into using the card $6.95 was deducted twice from my account. When I phoned to inquire why the charges took place I was informed that it was $6.95 and not $5 as I was informed earlier.
Now, what brings me to closing my account today is that I went to my bed with a balance and awoke this morning only to make a purchase based on my balance. To my surprise my transaction did not go thru because my monthly amount that's due on Nov 7 was not fully deducted from the account ALTHOUGH my account had more than enough monies to deduct that $6.95 amount. I requested my balance be sent to me on a daily basis as parts of ensuring that I'm in the know of what my balance is... I did not receive a text message of the balance of my account after PLS deducted the amounts from my card which allowed my purchase to be declined.
Why go in and deduct the monies twice? And if PLS did not receive the $6.95 on 10/7 what happens on the 10/8 date? Why wasn't the balance deducted on that date? Why is informing the customer via text message in place? For only when it suits PLS? Some of their customer reps are rude and have limited knowledge of how their product works. They've lost a quality customer. They fail to realize that there are other prepaid companies out there, and companies who with better guidelines and who knows how to treat their customers. Kudos and goodbye!
PLS Payday Loan Store Company Information
- Company Name:
- PLS Payday Loan Store