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    Direct Express

Direct Express

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Overview

Direct Express has a rating of 1.1 stars from 304 reviews, indicating that most customers are generally dissatisfied with their purchases. Reviewers complaining about Direct Express most frequently mention customer service, social security, and new card problems. Direct Express ranks 211th among Credit Cards sites.

  • Service
    164
  • Value
    154
  • Quality
    152
Positive reviews (last 12 months): 2.3%
Positive
1
Neutral
1
Negative
41
View ratings trends
37
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How would you rate Direct Express?
Top Positive Review

“Freaking liars,and worst customer service of anyone I've ever dealt with”

Joseph M.
1/16/24

This is the worst busness I've ever dealt with. If you can even get them on the phone. I waited over 2 hours the other day on hold just to be dropped when they tried to transfer me.Since starting SS disability I received 2 payments on 2 different cards. So instead of putting it all on one card they gave me 2 which just confused everything. For over 2 years I asked them to put all my miney on just 1 card. They agreed and said that it was not right having 2 cards,said they'd change it. 2 years later they changed only because I was receiving only 1 check as of recent. So many fraudulent charges every month and trying to get refunded is just a joke. I loose so much money every month because of this. I truly don't know how there still in business.,PS,they also have no problem lieing and have to me many times.

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Top Critical Review

“Direct Express Is a big terrible scam platform!”

Go To ReviveCrest.Com For Help ..
10/6/24

Their platform promises attractive returns, but it's all smoke and mirrors. I strongly advise against getting involved with Direct Express, as my experience suggests they are operating as a scam. Be cautious, as engaging with them could lead to financial loss and other negative outcomes. I was able to recover my money, but it was only possible through external assistance. (I used their website URL as my display name and profile picture on this review in case anyone needs help or wants to reach out for support). Note: Due to the strict policy here, I'm sharing this purely to help others recover their funds.

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Reviews (304)

Rating

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Reviews that mention popular keywords

customer service (98) debit card (19) bank account (19) replacement card (12)
Thumbnail of user susanb4165
New York
1 review
3 helpful votes
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March 3rd, 2022

Called 20 times throughout the day for my mother so I could hand her the phone. Not once after entering the same credentials, over and over, did I even make it to being on hold. Just a hang up each time. Website didn't have our issue. Simple fix to just needed 2 minutes from anyone.

Tip for consumers:
Have your day free and have patience and low expectations

Products used:
Still have the problem

Service
Value
Quality
Thumbnail of user evag195
New Mexico
1 review
13 helpful votes
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April 11th, 2022

I would not recommend this card to anyone. You can't get a live person until you follow the prompts, it repeats about 5 times before Customer service comes on. We needed a statement from my account for my Medicare, I was told they would mail it, haven't received it after several attempts, It's now 1 month later and still no mail. Their site is just as bad, you get locked out, it tells you you have the wrong password... unbelievable! Take your money somewhere else.

Service
Value
Quality
Thumbnail of user crism56
Romania
1 review
11 helpful votes
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March 18th, 2022

If your renewal card is due soon, be aware that since jan 2020 direct express works thru a new bank (Comerica) and your new debit card might not work at atm if you don't call direct express to ask for international opt-in. I called about 10 times in 2 weeks, got a different answer/solution every time or they got the fix wrong. Still waiting for resolution. Very uninformed customer service and level 2.

Thumbnail of user danielfeuerstein57
Uruguay
1 review
4 helpful votes
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June 3rd, 2023

I live overseas and keep calling day and night and a recording comes up saying "heavy volume. Try calling non peak hours. Its 4 am for gods sake! No email, bot, chat, answering service alternative offered.

Service
Quality
Thumbnail of user scotts1354
New Jersey
2 reviews
3 helpful votes
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March 22nd, 2023

Tried for 10 days to get my card activated for overseas use. Submitted 6 "White Tickets". All were denied. Answered countless security questions for verification. On hold for over 16 hours in those 10 days. Do yourself a favor and find a company that values their customers. Ridiculous how they operate.

Tip for consumers:
Find another company

Products used:
Cash. Because they wouldn't approve my card for use outside the US

Service
Value
Quality
Thumbnail of user suzanneh404
California
1 review
3 helpful votes
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September 22nd, 2021

I've been trying to change my personal profile information for the purpose of online I.D. to purchase products since April 2021 unsuccessfully.
This includes changing my pin. I was instructed to fax a copy front and back of license call and verified
Number faxed from. Rep kept asking for the same info that I have no idea when how or who made the changes and totally ignored the fax claiming she needed the bonus info to proceed. The call and wait was abusive.
Sheena... BML My a×× Will the real racist please stand & leave the room

Service
Value
Quality
Thumbnail of user jaalac
Texas
1 review
1 helpful vote
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January 4th, 2022

It is nearly impossible to get through on the phone numbers they provide, And there are only two. I've been trying for days and finally mailed a letter to them, so if you have an emergency, you are out of luck!

Tip for consumers:
Find another account for your direct deposits... This one is no helpful.

Products used:
I would give them a zero if possible.

Service
Quality
Thumbnail of user charlotteh544
Alabama
1 review
3 helpful votes
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January 18th, 2023
Verified purchase

Never works for online purchases. Don't bother calling them. They tell you something that sounds good just to get you off the phone. I don't know if they're jerks or just idiots but I'm betting on both. How am I supposed to buy food for my family and pay bills? My water was cut off this morning because I had a payment arrangement to pay before they opened this morning but of course the card didn't work. Avoid a supervisor named "Tony" at all costs. He's as dumb as he is rude. He suggested I go out and buy a prepaid card with this card. I shouldn't have to do that! That's admitting that direct express is useless. As a handicapped person, I can't just go out whenever I want to. I have 82 suspicious activity emails from them today from such places as Walmart, my power company, my water company, AT&T… the same bills I pay every month, but apparently Walmart is running a huge fraud ring now. Hire some new employees and maybe actually train them to do more than press a button on a phone!

Tip for consumers:
Not sure

Products used:
N/a

Service
Value
Quality
Thumbnail of user danaj325
Texas
2 reviews
8 helpful votes
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October 8th, 2021

Had a replacement card not sent on the 2 day promised delivery. Now the automated system is looping me through a tracking # and does not allow further requests for another, and after 5 days calling no one answers. No solution, money locked away no security or chat live agents. Used this for 5 years, now I am bankrupted by a computer run away system. Calls to Social Security get a ' who gives a damn, we don't care' response. Bad system by design.

Products used:
US Direct Express S.S. pay card.
Replacement promised, not delivered.
No record of process, no live phone agent.
Now bankrupted by United Bank and Social Security.
Computer phone rings on for hours - never an answer

Service
Value
Quality
Thumbnail of user madisoncarson035
Oregon
1 review
4 helpful votes
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June 29th, 2023

I haven't received any payment for 4 months and SS said to take it up with direct express. WELL direct express said they are only a card handling company and they can't do anything bout the money I didn't receive. But don't worry they'll try to reimburse you 3$ out of thousands.

Thumbnail of user georgem2252
Maryland
1 review
5 helpful votes
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July 21st, 2022

Egregious fees! Horrible customer service. Inexcusable and horrendous customer service for those who can afford it the least. Makes you wonder how and why someone would get Pigeon holed into this by SSI. Just get out or avoid of this financial whatever it is at any option. Disgusted!

Tip for consumers:
Avoid this!

Products used:
Direct deposit

Service
Value
Quality
Thumbnail of user melvinn31
Nevada
2 reviews
6 helpful votes
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April 5th, 2022

I think it began as a legitimate way to help seniors manage their benefits...now, it's just the government's way of punishing poor people for living too long.

Anyone who can afford ANY alternative takes it.
We who can afford nothing else, finish our years fighting to access our meager incomes.

The "Company Answer", after hours on hold, is always, "There's nothing we can do."

Service
Value
Quality
Thumbnail of user hectorh2250
New York
1 review
4 helpful votes
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October 8th, 2023

I'm in my fourth week still no card the investigation took shorter than me getting a replacement card. I reported foreign activity on my account. I did not withdraw money from ATM on that day in Queens I was in Long Island NYPD detective's house celebrating his son's 1 year birthday. Just a reminder the birthday boy father is Batman. Investigation took less than a week to decide that I was at fault can't be in two places at the same time I wish that was possible. US Direct 1.2 rating really sucks

Tip for consumers:
Why a $13 overnight charge and a $4 replacement card when it never comes

Products used:
US Direct customers use cash next time or you won't be accused fraudulent activity. US Direct Express won't show you the video of the ATM withdrawal.

Service
Value
Quality
Thumbnail of user patrinaj3
Massachusetts
1 review
6 helpful votes
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April 20th, 2023

My card was frozen for a week have to making purchases on Amazon. When I called they said I made too many purchases and it looked shady. I told them to please unfreeze it. They said they could not do anything that their hands with Tide. What kind of bank is that really? I would avoid getting this card. Even cash app would be so much better than this. I plan on switching ASAP

Products used:
Tried buying things for a cat I adopted direct express froze my account for " too many purchases" I thought this was MY money to use

Service
Value
Quality
Thumbnail of user tedh154
Michigan
1 review
11 helpful votes
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April 28th, 2020

Their lousy service is designed to force you into opening a bank account.
After living for 67 years on this Planet. This is the worst company service i have ever had!
Their is nobody ANYWHERE that can help you get stolen money back.
They simply won't answer the phone, and after several hours of waiting, they just hang up on you!
What Government person can help me?
Anybody know?

Thumbnail of user carolynv94
Washington
1 review
12 helpful votes
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April 26th, 2021

Try to use my card at pharmacy was told my card no longer works. After 3 hours and 47 minutes I finally got a hold of someone at direct Express only them to tell me there's nothing they could do about it and they didn't know what was wrong. Actually had to have someone through social security call them to be able to use my card again because they messed up. Customer service sucks I was treated like it was my fault and I'd done something wrong. I will be looking for a different service besides direct Express if this is how it works forget it. You might want to think about doing that yourself don't bother with direct Express

Thumbnail of user joe.filipak
Pennsylvania
1 review
1 helpful vote
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December 22nd, 2023

Avoid this bank. They refuse to let you ACH your money to another bank. They are scammer. They hold your money to make the interest on it. There is no communications from them and their customer service is lazy. They just tell you everything good on their end it the other bank. AVOID AVOID AVOID. Get your money in a real bank and not this bank. They should be closing their door soon I we are lucky.

Tip for consumers:
AVOID AVOID AVOID

Products used:
debit card only. They refuse to do and ACH without crazy demands.

Service
Value
Quality
Thumbnail of user pennytuesday79
California
1 review
2 helpful votes
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October 5th, 2023

This is the second month in a row this horrible business has refused to answer my calls won't let me have my money I'm gonna lose my place to live I got late fees because of them the worst bank ever.this has caused me so much stress and I have a bad heart.I feel helpless.don't know how to get in touch without them hanging up on me!

Products used:
Bank account

Service
Value
Quality
Thumbnail of user jeanettelorib
Washington
1 review
2 helpful votes
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March 7th, 2023

For last 3 months I have been locked out of my account, they are not paying my bills on auto pay and have to call in be put on extreme hold hours just to get my hard earned money. I have been a customer in good standing since 2007 This company is the worst kind taking advantage of low income poor people. I don't recommend using this company for anything!

Tip for consumers:
That they can lock you out from spending your money, and won't refund any charges you incure due to their issues!

Products used:
Everything offered

Service
Value
Quality
Thumbnail of user cayeb1
Washington
1 review
4 helpful votes
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November 20th, 2023

My first call was the wrong number. I was told abruptly that I had the wrong department and to call back. No sorry, but...no let me see if I can help you get to the right person. She disconnected with no hesitation like I had interrupted her day. That is what prompted me to look at reviews. I will not be signing up!

Thumbnail of user alanaj32
Massachusetts
1 review
4 helpful votes
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November 1st, 2021

I just tried to make a purchase from Walmart online, and they locked my card for placing too many orders with them. I then tried to order from Amazon.com, and the same thing happened! If you do business with a vendor that charges your card when the item ships, it's easy to go over the number of transactions allowed per merchant. Of course, they still hold on to your money, even if you have no way to spend it.

Tip for consumers:
Avoid these people like the plague

Products used:
debit card

Service
Value
Quality
Thumbnail of user georginaa54
Washington
1 review
0 helpful votes
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February 5th, 2023

Last several years I had no problems. And then I had to request a new card because money was disappearing. Well anyways the card never came so I tried contacting customer service and it tells me when I requested a new card and transfers me to a recording saying heavy call volume and hangs up. Not one day not two days, but Six days now. I would be happy if they let clients know what is going on with the customer service lines.

Thumbnail of user dinahr23
Missouri
1 review
0 helpful votes
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February 1st, 2022

Direct Express is stealing my money every month today February 1,2022 they took my whole check! How am I suppose to pay my bills! This is the worst card service I've ever experience. This is really stressing me out! I'm going to contact a lawyer.

Service
Value
Thumbnail of user aaront523
Alaska
1 review
6 helpful votes
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June 19th, 2023

OMG people!
Direct Express is the most absolutely worst company to deal with ever!
It's a complete waste of time trying to talk to anyone there!
I honestly think they purposely place blocks on the card after I got upset with them on the phone.
Soon after I could not even use my card at Walmart!
Direct express sucks the butt nuggets out of dead cows!
Screw you direct express I'm going to a different bank for my financial needs.

Tip for consumers:
They suck so bad!!!

Products used:
Financial

Service
Value
Quality
Thumbnail of user anniet145
Kansas
1 review
2 helpful votes
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April 1st, 2022

This is by far the WORST financial institution that I have ever had the misfortune of dealing with! My card is constantly denied, even when there is plenty of money on it. This has left me stranded in the snow when my car broke down and I was unable to charge less than $10.00 to get an uber. I am unable to pay bills because of this issue. And forget calling them, you will never get an answer, no matter what time of what day you try. I have spent a total of over 4 hours on hold at various times on various days of the week trying to get a hold of somebody to resolve this issue. I am transferring my direct deposit over to another card immediately. I advise anybody who is issued this card to transfer over to a different one immediately, it will save you an untold amount of frustration and hassle. The only reason that I am even giving one star is because you have to. I would give negative stars if I could.

Service
Value
Quality

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