Walmart MoneyCard Reviews

I sent them an email detailing my plight and got a reply telling me to go through the activation hotline to speak to an operator. I tried that again but evidently, the email support team doesn't know you can't get to a live person. (How would you like to be an operator dealing with all of these mad customers? Bet they have crazy turnover!) I sent them another email and they replied to go to the website and choose "Close card" but that's not an option on the website. I sent them another email and someone called me to tell me I could use it as a debit card. That was frustrating because why didn't someone tell me that before? Well, no one told me that before because it's a lie. You still have to register it to use it as a debit! Surely this person knew that and simply lied to me. Why would a company lie to its customers?

Bottom line is they still have my money and when I do get a refund, they want to charge me $3 to send it. What a scam. What government regulatory agency is in charge of overseeing this charade?

It takes 12 days and 5 phone calls to Customer Service to refund my money back to my card. After my order was cancelled by Walmart.com, I called Walmart Money Card Customer Service a total of 5 times, talked with 6 operators at different days. Three operators told me, "It takes three days to refund the money back" (First two operators with bad attitude when I asked why, their answers were, "don't know," and when I requested talking with their manager, they responded by hanging up the phone so I made three calls that same day). The fourth one told me, "Money would be refunded after one week." The last two persons said, "Money would be back to the card on day eleven." Finally the money was back on my card on day twelve. I am confused.

First, I believe I am not only & first one who had this problem. Who can tell me how many people and how much money they are holding from us everyday (how much interest are they making)? Second, is the Walmart card company not making a clear policy or had representatives been trained that they should carry bad attitude at work?

Next, there is a different price in reloading fee. I tried reloading $1000 to my card at Walmart store. The teller asked me to pay $3.74 reloading fee first (on the wall in the store and Walmart Money Card website, it was $3.00). So, I walked away from the teller (she was a manager), made a call to Customer Service and got the answer, "$3.00 reloading fee anywhere any amount anytime." Okay, I got back to the same teller. She told me I can't reload any amount money to my temporary card before receiving the original card with my name on that. This is not only confusing now. I asked myself, "Why would I waste my money and my time coming here to let them ** me off? Am I sick or do I have mental problem?"

My card has been blocked two times in three days after I received the original card and charged $3.00 services fee by Walmart card company. When I called, they told me on the phone that they will close my account on 10/17/2012 - one week later from now but till now I never received any email from Walmart Money Card to confirm this info. The reason? I had used this card, paid my ads fee on the public website. The person removed the block for me today said to me, "I suggest you don't use this card to pay your ads anymore; otherwise, we will block your card again before closing your account."

What did I do wrong that they insult me like this? "Use it everywhere MasterCard Debit or Visa Debit is accepted." - that's the ad on Walmart Money Card (reloadable prepaid card) webpage. Now I have loaded my own money on the card, but I have to spend it where they allow me to do so. Is here still American land or does it belong to Nazis now? Please, somebody tell me.

I purchased another card to move my paycheck money into until I could get my direct deposit stopped. I paid $3 to open it. I received the permanent card yesterday and I received another monthly fee when I have only had the card 10 days. I called to dispute that and they did remove that second fee. However, they get you coming and going on fees unless it is an automatic deposit and then that is when your nightmare begins! Your paycheck is automatically deposited and you expect to get some cash, right? Dream on! They have policies that restrict you from getting any of your hard-earned money in cash! These people running the Wal-Mart Money Card show that now have your cash are non-American, probably Chinese because customer support is somewhere in Asia and they are using our funds to support them, because they certainly are not letting US have our money after we have made our deposit.

In order to use the money I had on my one compromised card, I had to make an online purchase (even though the unauthorized charge was from an online purchase). I did that and had the card closed. However, when the second unauthorized purchase credited me back (after I called them and said it was unauthorized), I can’t get that money and Wal-Mart Money Card refuses to transfer it to my new card I bought because of the unauthorized charges. They said they had to send me a check for the balance checks in the mail. Yeah right, we will see if that happens. After I had my auto-deposit transferred to my replacement card, I went to get a money order for my house payment and some cash. Customer service said they could do the money order but I could not access my payroll deposit and get cash, as it is against their policy.

After all this, my direct deposit finally ended and I had a balance of $24.25 on my card. I wanted nothing more than to clear that balance and close that card. Guess what? I could not! I went to Wal-Mart, tried to make a purchase of $44, and tried to use the $24.25 balance against that as a debit and it would not take it, denied. I tried to use it as a credit and it wouldn’t take it, denied. I went to customer service to see if they could make it happen, they could not, denied, even though the available balance said $24.25. They could not give me cash back, denied. They couldn’t run it as a debit or a credit even though they clearly had printed notice that I had $24.25 available.

I called the Asian customer service from their phone in customer service and was told by the non-American I had a temporary card, as it said on their script (which I did not, they obviously did not know what I was talking about. They are Chinese after all). I asked for an American supervisor and put on hold for 15 minutes until they hung up. I wanted to call back but the Wal-Mart customer service desk said they could not tie up their only phone line with my calls to the Wal-Mart Money Cards customer service and stated they have no control over any of that because they are not affiliated with them in any way, had nothing to do with the Wal-Mart Money Card people and made many apologies to that effect.

The only way I was able to spend the $24.25 of my last payroll deposit was to pay it online against a utility bill, which I did and so far, they have not denied it. I don’t know anyone that needs that much hassle to get access to their paycheck! Wal-Mart is using the American public’s direct deposits to subsidize whatever support they are giving to China. Your deposit on a Wal-Mart Money Card is going to foreigners to use to collect the interest and make investments from with our hard-earned money overseas! Wal-Mart is un-American for allowing that to happen! They don’t even support their widely advertised money cards and direct deposits. Their customer service people, when pushed, say they have nothing to do with the Wal-Mart Money Cards. Your deposits are going directly into who-know-whose bank and you will never see them again. Plus, the cards don’t work everywhere. Try buying gas at midnight at Maverick. It’s not going to happen with this Wal-Mart Money Card. It’s a pain and could be life threatening in the dead of a Wyoming winter night with no gas to get you home!

All Americans beware of Wal-Mart money cards. Wal-Mart is undermining the financial stability of America with these actions and should be stopped. This coming from a 12-year Wal-Mart supporter (when you move from the city to rural Wyoming, driving 60 miles to Wal-Mart is the only place you can get groceries, home improvement, auto supplies and kids clothes all at once).

I had a Wal-Mart Money Card for a couple of years and used it sporadically, and it worked okay. Recently, when my bank started charging a lot of fees and held my auto deposits over the weekend, I started my direct deposit going on the Wal-Mart Money Card. Suddenly, there are 2 unknown online charges on my card. The robot-like Asian customer service people could not answer my questions, because it was not on their script. They could not tell me where the charges came from, and they would not forward me to an American supervisor and refused to send me to the survey they offer at the end of the call. Then, they disconnected my call. They said they could not tell me who made the first charge and could not block it (It was still pending.).

I purchased another card to move my paycheck money into until I could get my direct deposit stopped. I paid $3 to open it. I received the permanent card yesterday, and I received another monthly fee when I have only had the card 10 days. I called to dispute that, and they did remove that second fee. However, they get you coming and going on fees, unless it is an automatic deposit. Then, that is when your nightmare begins! Your paycheck is automatically deposited, and you expect to get some cash, right? Dream on! They have policies that restrict you from getting any of your hard-earned money in cash!

These people running the Wal-Mart Money Card show who now have your cash are non-Americans. They're probably Chinese, because customer support is somewhere in Asia; and they are using our funds to support them, because they certainly are not letting US have our money after we have made our deposit. In order to use the money I had on my one compromised card, I had to make an online purchase (even though the unauthorized charge was from an online purchase). I did that and had the card closed.

However, when the second unauthorized purchase was credited back to me (after I called them and said it was unauthorized), I can't get that money; and Wal-Mart Money Card refused to transfer it to my new card I bought because of the unauthorized charges. They said they had to send me a check for the balance checks in the mail. Yeah right, we will see if that happens. After I had my auto-deposit transferred to my replacement card, I went to get a money order for my house payment and some cash. Customer Service said they could do the money order but I could not access my payroll deposit and get cash, as it is against their policy.

After all this, my direct deposit finally ended and I had a balance of $24.25 on my card. I wanted nothing more than to clear that balance and close that card. Guess what? I could not! I went to Wal-Mart and tried to make a purchase of $44 and tried to use the $24.25 balance against that as a debit. It would not take it; it's denied. I tried to use it as a credit, and it wouldn't take it. It's denied. I went to Customer Service to see if they could make it happen, and they could not. It's denied, even though the available balance said $24.25. They could not give me a cash back. It's denied. They couldn't run it as a debit or a credit, even though they clearly had printed notice that I had $24.25 available.

I called the Asian Customer Service from their phone in Customer Service, and after being told by the non-American I had a temporary card, as it said on their script (which I did not, they obviously did not know what I was talking about - they are Chinese after all), I asked for an American supervisor. I was left on hold for 15 minutes until they hung up. I wanted to call back, but the Wal-Mart Customer Service Desk said they could not tie up their only phone line with my calls to the Wal-Mart Money Card's Customer Service. Also, they stated they have no control over any of that because they are not affiliated with them in any way, had nothing to do with the Wal-Mart Money Card people, and made many apologies to that effect. The only way I was able to spend the $24.25 of my last payroll deposit was to pay it online against a utility bill, which I did. So far, they have not denied it. I don't know anyone who needs that much hassle to get access to their paycheck!

Wal-Mart is using the American public's direct deposits to subsidize whatever support they are giving to China. Your deposit on a Wal-Mart Money Card is going to foreigners for them to use to collect the interest and to make investments from our hard-earned money overseas! Wal-Mart is un-American for allowing that to happen! They don't even support their widely advertised money cards and direct deposits. Their Customer Service people, when pushed, say they have nothing to do with the Wal-Mart Money Cards.

Your deposits are going directly into "who knows whose bank" and you will never see them again. Plus, the cards don't work everywhere. Try buying gas at midnight at Maverick. It ain't going to happen with this Wal-Mart Money Card. It's a pain and could be life-threatening in the dead of a Wyoming winter night with no gas to get you home!

All Americans, beware of Wal-Mart money cards. Wal-Mart is undermining the financial stability of America with these actions and should be stopped. This is coming from a 12-year Wal-Mart supporter. When you move from the city to rural Wyoming, driving 60 miles, Wal-Mart is the only place you can get groceries, home improvement, auto supplies, and kids' clothes all at once.

I called the support center and they stated that their system was updating and they were unable to access my account. Now, I've missed my second flight and am going to be at the airport in Mexico City all night. This is really scary. I asked to speak to a supervisor and the customer support person, "Gold Security Badge #**," told me there were no supervisors in the facility and that I would have to call back. I have now lost the value of my missed ticket and it's going to cost a lot more for a return ticket. I got the Money Card to save time and money and now it's costing me a great deal more.

I did not feel I was in any way making an unreasonable request, considering all the business my fellow veterans and I bring to the Rocky Hill store. I will certainly inform the state, Veterans Association and my fellow veterans of this total disregard of the customer's situation. I purchased the card to buy a ticket for the 70's concert at the Mohegan Sun Casino in Uncasville, CT. I am a 65 year old veteran living at the **. Due to my and the entertainer's age, there is a good chance I may never get to see these entertainers again due to death. This may seem like a trivial matter to some, but I assure you to someone of my era, this is a very, very important event, due to my depression, anxiety, and PTSD I am suffering terribly. Please advise!

I was told by a customer service rep, I would receive refund of the monies, which I have yet to receive. I was issued a new card immediately which I had trouble activating. Now today, I check my balance again on the new card. Lo and behold, there was another fraudulent charge in the amount of $21.78 from a limousine service. On the date in question, I did not even use the card and furthermore, limousine services never charge that little for any service! Again, there is no contact phone number and I have a feeling it is out of the country again.

I am beyond frustrated and ready to cancel this card and never get another. The only problem is my paycheck is set to be directly deposited this Friday. I am beyond disgusted with this company and have a mind to never do business with the MoneyCard or the store again!

I still have no access to my funds and have bills to pay. This is not right. I have sent to Green Dot all supporting documentation of the purchase. What bothers me is if the disputed transaction was frozen, I could deal with that until resolved but no! They froze the whole account. Not very cool. I will wait to see if someone in the RIM call center can now with the correct documentation get access back to over $3K of my funds To the guys in Bentonville, this card has your brand on it and its service reflects on it. If I get this fixed, I will post that to and be fair. But I'm PO'd ever so much!

When I called Wal-Mart services, I found out that I have two credit cards with Wal-Mart. So the old card that supposed to be an upgrade was not, and so now I have to send a payment to Wal-Mart Discovery and to my old Wal-Mart Credit Card account because I apparently have two accounts and two balances. I am so aggravated by finding out that what they offer me was not what I got. I think it’s kind of ridiculous to want to have two credit card accounts with the same store and to have to send 2 payments each month.

Now, the nightmare begins. My funds were deposited on Feb. 8, 2012. On Saturday, 2/11/12, I went to the money center and they told me the most I could get is $400. On Monday, I went to Cadence Bank. They too told me $400 was the limit. I went home and called the number on the card. I first talked to Rick then went through a series of people and levels I finally made it to management. I didn't get his name and I had been on hold for 50 minutes. After hearing what I had to say, he agreed to send me a check via FedEx for the full amount of $5572.00. It's Thursday and no check, and my account balance is now $5570. They have already charged me $11.00 in fees.since the original deposit.

To me Wal-Mart, GE and Green Dot are making a lot of money by holding tax money that people have worked hard all year to get. They are a fraud and something needs to be done and the gov't should know that this company is not allowing people access to their money.

I have only included the charges that were fraudulent. I called about this matter when I arrived home from work the afternoon of August 11th at 4:30PM and reported the card compromised. 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. I asked her if she had international calling on her home phone, then she 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 through an international operator. When connected, of course, all of the options were in French.

My wife went to the Emergency Room on 09-01-2011, severe migraine. I went to the Emergency Room on 09-21-2011, shingles. I am 53 years old, never before had such a thing happened to me. The doctor said it was caused by stress. I have tried to explain to the so-called customer service representative that this was my paycheck. 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 paycheck to paycheck, so when someone steals your money and you're left with nothing and no one seems to care, yes it is very stressful. Somehow, we made it through their 10-day (16 days) waiting period and now, it's over.

No, not yet. They have another surprise for me without warning on 09-22-2011. They removed all of the provisional credit. This did not show up on their website until after 11AM on 09-24-2011. On 09-24-2011, at 8AM, I had gone to a local mechanic to have work done on my truck ($250.00 front ball joint). I had $415.00 when I checked my balance online at 7AM. By 11AM, when my truck was finished, it was -$428.57.

Next day, I immediately went into Walmart and cancelled the account after calling the credit card center, which informed that I could not cancel until receiving first statement where I would be charged 10% interest fee. I responded with a statement that I was a victim of a credit card scam with their fraudulent tactic to collect interest from customers when they find out the indirect way of not informing that you can not cancel and not being told that you are being billed for the initial payment.

This is the biggest scam I have paid twice. Once, with my credit card and was told I was cleared only to be billed later with more interest to be told after investigating that my card was invalid it was the same visa debit card that I used when I initiated service. I followed up by physically going to the store, paid in cash 76 on 03-30-2011 after confirming with the highest supervisor explaining that I had to pay 76 to remove any fees owed. However, I explained I was in escrow and this was showing a negative on my credit rating then and currently now. They have not removed these charges, which they can clear themselves with all credit reporting agencies upon conversation I stipulated them to do or I will proceed with legal action.

In conclusion, I am seeking legal representation on a congressional level for this scam to be handled in court on the basis of economic and punitive damages. Please respond with utter importance.

I did so, and the lady on the other line told me that there was a hold on my card that it would not clear until tomorrow and that there was nothing she could do. I had to pay for my now defrosting groceries with the remaining balance of the card and the rest with my debit card (which was to pay bills).

So, I went home and called 1800 Walmart to make a complaint. They told me that I had to call 1-866-611-0048 and ask for a supervisor. So this is what I did. When I was transferred to a supervisor, I tried to explain to him that I made the payment, that it has cleared my bank but it is money that I am unable to use. He then told me that the funds will be available tomorrow. This is not helping me today when I needed the groceries, and the fact that I won't be able to shop tomorrow as I have a job and have to go to work.

So, my complaint is that I can make a substantial payment (over $500) and Walmart can hold it for over a week so that I can not use it, but when I am late on a payment they are so fast to charge me a late fee. Can I charge them a fee for making me wait? I had to call and make arrangements with my electric company so that I can pay for the groceries today where I should have been able to use the card for. It's not like I can use the Walmart card tomorrow to pay my electric bill, now can I?

Where is the convenience of having a card if I can not use it? Why would I even use it if it is not even worth my time and effort? I pay my bill on time and pay it in full so that I don't get charged fees and I am still getting treated like crap!

Thinking that they might understand me better, however the supervisor only got to advise me that the other lady that had transferred me to her had refund my $500.00 and I would have to wait 10 days to get my refund. So I went back to Walmart and they did try to help me, by calling the company only to find that they could not get anything done because when they entered the card info, it told them there was a refund issued and then the system hung up on them.

I needed my money today, not in 10 days. I have bills that have to be paid now. Walmart did tell me that if the Visa company had not put the refund or hold on, they could have refunded my money. So now I am $500.00 in the whole and no bills paid. The Walmart Money card will not correct this in a timely manner. I will call every part of Walmart and I might even get me a lawsuit.

Walmart has gone downhill in customer service, they need to stand behind the products they sell by being able to fix these situations when the purchaser has proper document that shows proof of purchase. I will get something done. I am not talking about $100.00, I am talking about $500.00. This is a house payment.

By that time, we did not come to any agreement on my card and the information she was asking me. So, I asked to talk to her supervisor and we went through the same thing. I told her when Adult Finder, a dating service, took money from my account without my permission, they did not send me a copy to see if my money was back on, but they kept giving me a hard time when I told them that I am the real guy, who was the card holder of this Walmart card. I was borrowing a person's phone at school because I don't own one and I was on hold for a long time, and the matter was not solved!

It resulted to a black mark on my credit score. They would not send a letter to the credit companies to fix that, but stated that their monthly statement to the credit companies would be adequate. I hope so. Anyway, although they did make most things right after months of nagging, my fellow consumers out there might think twice about opening a Wal-mart account. If you have one, watch that monthly statement like a hawk.

I was told that it "fit a computer model of potential transactions that could cost their client money". Wal-Mart evidently thinks that it is okay to let a computer decide how their customers will be treated. I was also told that no one could override their computer's decision. I then went across the street to Chase Bank, who cashed the check without question.

Personally, I will now go out of my way to prevent spending money at Wal-Mart! They have evidently lost their founding principles. I know that Sam Walton would not approve of the modern Wal-Mart letting a computer decide how to treat his customers. Another case of a company that has gotten too big for their britches. I say let's all boycott Wal-Mart and teach them who pays their salaries.

I am not behind in my payments. I have paid my September bill on September 2, 2010, and am being told that payment will be credited for August and it has generated a higher interest rate because it is considered late and now they want me to make another payment for September. I am on a fixed income. I cannot afford to make another payment for the same bill. Please help. Thank you.

So I called again and explained again to the person on the phone and he put me on hold and then said there was nothing they could do except issue me a refund in 10 days. I explained to him that I was not made of money, that I needed to pay a bill with that money. He said sorry about that so I asked to speak with his supervisor, and then about every ten minutes, he returned to the line saying a rep was not yet available. After 4 times, I was hung up on.

So then I proceeded to call again and when I entered my info, it came back with a recording saying a refund check was issued, that I should receive it in 10 days and then hung up. So then I called the local Walmart store where I purchased the card and asked to speak to a manager or supervisor and was given a very helpful woman, the assistant manager. She tried to contact them; she received the same results as myself and told me she could not refund my money until the card company said it was okay and loaded the card.

So I attempted to call again and luckily got through and spoke with a different rep and she pretty much said the same thing, that they would not load the card so Walmart could refund my money. It was against policy that I would receive a refund in ten days so I asked her why the card could not be loaded with the money I put on it. She said it was because I made a mistake on my info. So I told her the correct info and she still said, "Oh, sorry but we cannot give you your money before 10 days." What a scam. I used to spend on an average of $1000.00 a year in that store. Never another cent. They are scammers.

I didn't think anything of it and said okay. He led me to the back of the store with some blonde. When I got to the back, they asked for my receipt and told me that I didn't purchase my items because the lady saw me put laundry detergent under my cart. ( I was 9 months pregnant at the time and I had my 1 yr old with me also). I asked her where she puts her detergent and she didn't answer. She was very rude to me. They told me that I stole all the items in my cart. (I did not steal anything from Walmart). I told them over and over again that it was a big misunderstanding and that I did in fact pay for my items.

They told me that I needed to have someone come get my child or OCS would take her. (I called my husband and he came up there about 30 minutes later.) They gave me no information on what is going on except that I had stolen all the items in the cart, which again I did not. They ended up calling the police and had me arrested and they told me I was not allowed at Walmart anywhere in the US again. I was arrested and taken to the jail to be processed and I ended up spending $75 to make bail, on top of the almost $300 groceries that they say I stole, which I never received.

(Now I hate Walmart to begin with. The only reason I was going is because it's the only thing near us, since we live in the middle of non-civilization.) If I weren't about to have a baby, I would be doing everything and anything to fight Walmart for this, but I don't have the energy or the time to fight them. So, instead, I am doing everything to make sure this goes away quickly and with as little damage as possible. The police told my husband that if I plead not guilty at the court date, I would probably get the minimum on everything especially since its my first offense. Who would have thought that my first offense is something I am being falsely accused of?

By the way, I made my past due payment tonight. As of now, I am disabled and can't leave my home.

If you do not want to give credit and check for more information on the person applying for credit, my suggestion is to close the bank and stop ruining other people's credit. This really **, but it's okay because from on, if anybody asks me to apply for credit in Walmart or if any other person asks me, I will tell how ** this bank is when it comes to credit cards.

This whole problem wouldn't exist if Walmart kept record/microfilm of the hard copy check with my address and name clear as a bell. Now I have to miss work at my job because Walmart didn't do their job. Their payment processing procedure does not protect their customers. In fact, there is a big flaw if Walmart’s mistakes become their customers’ problems. I am seriously contemplating canceling my account over the whole way this issue has been handled. I asked them again, "Where is the copy of my check that was written on 1/15/10 and electronically converted and deposited by Walmart on 1/19/10?”

I have been a customer for 11 years and have made all my payments on time. I pay a rate of 29.99% annually, and if I would have continued to pay the minimum monthly payment, my line would not have been decreased and they would have continued to make 29.99% interest off my balance for years to come. I was informed that I was notified in writing of this, but have not received this letter yet. I'm terribly disgusted that this is the way I'm treated after 11 years of being a customer. I want to close my account, but this too will hurt my credit score. I feel helpless and when I try to do the right things by paying off my debt, I'm only penalized further. I was told that I could contact the risk department when I received the letter.

The next day, I went to the local Wal-Mart store for assistance. The lady that I spoke with in Customer Service made the phone call and through many different channels, finally made contact with a person, although she was having a very difficult time speaking with her due to the language barrier. The clerk explained to the rep the situation, and I was notified that this was the same thing as a re-loadable credit card, and once the money on it was used up, I could re-load it, but was under no obligation to keep it. I agreed to go ahead and do this so my relative was not out $50, as I was also told that it could not be transferred over to an actual gift card. This was around January 20, 2010. I used the card a few weeks ago. I called to verify the balance and it was in the area of $18.00. I purchased dog food which was approximately $14.50 including tax which should have left a couple of dollars. I called on February 5, 2010 to check the balance, and was provided with information that there was an overdraft of $0.40.

I got Marie on the phone with Customer Service through the Money Card number. She said that the fees were assessed on February 1, 2010, and I had been misinformed at the store. I explained to her that since it was not my fault, and a miscommunication between the store and the company that the money should be refunded to the account, and I should not be charged anything. She told me that was not possible. I then demanded to speak with a supervisor. After a brief hold time, Marie came back to the line and told me that the supervisor agreed to credit the balance back to the card. I told her that I then wanted the card closed, after the last amount was used. I was told that I would have to call back and request that, and that charges would be assessed again next month. I told her to forget the extra money, they could have it and to close the account now since I did not have time to keep calling back. When the card was activated, I was told that I would be receiving a permanent card in the mail, and if I chose not to use it or activate it, cut it up and the account would automatically close without any additional charges.

I feel that this is poor business practices on Wal-Mart's part and that this needs to be looked into. If they are going to have these cards available, they need to have something in place advising customers that these are re-loadable, and require personal information on the part of the customers, in order to activate it. I, nor did my brother, saw nothing to this effect, on the packaging. I did not want a credit card account opened in my name, as I do not use credit cards, and I feel that I was forced in the situation, or cause my brother to lose out $50.00. Their customer service department on these cards definitely leave something to be desired. This caused additional frustration and stress to me in addition to what I was already under. The language barrier is unacceptable, and so is their indifference and lack of common courtesy.

We bought a Walmart Debit/Visa Card, but it is the first time and last as well, since we had so many difficulties getting it activated its asked for so many requirements. We were never told we had to fax the ID we showed when we bought it wich no one asked us for any king of ID. That and also the worst of all is that we can't use the card they said it is active but it declines everytime we try using it the only time it went through was to PAY them to use their own customer service, because there is a $2 fee for speaking with them to fix their own mess. And to get a refund for our own monye, which we paid cash for, they are charging us as well.

We have to wait to get the refund for our money which is going to be alot less due to them charging us for everything, we haven't even been able to use the card for the purpose we needed it for and still we are getting less money back due to all their own charges.

This was rapidly follwed by a letter from Monogram Credit Card Bank of Georgia which says we can try and cancel the contract and receive a partial refund but that we will owe the difference. So now, Wal-Mart wants payment for something I never autorized or purchased by Wards, which is now bankrupt and it appears that Monogram Credit Card Bank of Georgia also wants payment.

I called the 800 number and spoke to "Noah" who informed me this meant Monogram Bank would not be issuing me a Wal-Mart card. I indicated to him that constituted a denial of credit to me and i was not given a valid reason, nor was I told the reporting agency so that I could review my credit history. During the conversation when I became agitated and was demanding a proper denial, he mentioned EQUIFAX and I requested a letter be sent to me with a proper credit denial. Unfortunately, I did not make a notation of the date but do know it has been close to 2 weeks since I called.

I emailed my dissatisfaction to Wal-Mart and received a reply about a week ago, indicating the complaint had been forwared to the proper person. If Monogram Bank does not wish to extend credit to me, that is fine. All I am asking is that I be given a legal reason for the denial as pertains to the Federal Equal Credit Oppurtunity Act. I have friends that received a Wal-Mart credit card who have had late payments. How do I with an A#1 credit record with Wards get denied credit without the proper notice.

Why was I not contacted by Monogram Bank to discuss my options to close out my Wards account before Walmart paid for the rights to roll over my balance? I will not make a payment that is charged to that Walmart Credit Card. If I have another credit card currently open with Monogram Bank as the bank, I will be more than happy to pay the balance on one of those cards. My balance is a mere $40.00, but I never asked for a Walmart card and will not make a transaction on a Walmart card. I have called many different numbers and there is no one who can resolve this matter. Any assistance would be appreciated.

Linda needs to pay up. Wards' accounts receivable are an asset that were transferred to Wal-Mart. She can certainly decline to accept the Wal-Mart card but she is obligated to pay the $40.

I have shopped in WalMart since the day it opened here. I love the store, as it has everything that I need, at affordable prices. They always provide me with excellent and courteous service. So when I applied for their credit card, I expected the same from the services from their designated company! Unfortunately, MCCBG is giving WalMart a bad name, where credit is concerned. I have had to tell friends not to apply for credit there, because of the way MCCBG handles their accounts.

Not providing me with the facts of my account, has left me feeling that I am being cheated. Charging me $25.00 for "late fees", for payments that I know they received on time, has me furious, and exudes additional mistrust. I have even asked for the due date to be changed, and they had said they would do so. Not changing my due date, has really left me feeling that they are in the business to make it impossible for its customers to escape late penalties!

All of this aggravation and mistrust has left me very upset. I am not a person who makes it a habit of lodging complaints against my creditors. In fact, this is the first time for me. So please take my complaint into serious evaluation, and hopefully I will sleep without worry once again. We have other creditors, but none that conduct themselves in what appears to be such a cut-throat manner.

The man was very assertive and "promised" me that I would get approved for a Wal-Mart card. So I sat down and filled out the application with the hopes of obtaining a Wal-Mart card and being able to establish some new credit to report on my record. Today, the first day after Christmas, I finally received a notice from Monogram Credit Card bank of Georgia saying that I was turned down for credit due to past credit obligations. I have tried contacting Monogram to no avail. They "flat out" lied to me with a straight and sincere face.