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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)

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Reviews that mention popular keywords

customer service (98) debit card (19) bank account (19) replacement card (12)
Thumbnail of user jamesp4678
South Carolina
1 review
0 helpful votes
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March 30th, 2023

I have trying to help my grandmother for 46 days trying to get a new card for social security! They hang up on you, they are rude, literally they WILL NOT HELP you…I can't believe this is how they treat older people! It's like they want to stress them out

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Value
Quality
Thumbnail of user christined2152
California
1 review
0 helpful votes
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February 9th, 2024

I am now a widow and single mother after tragically losing my husband to cancer. My son is entitled to Social Security benefits since his father passed. At this point, I am now six months into trying to deal with Direct Express. The first debit card that was supposed to be sent to me never arrived. It took me endless phone calls and an appointment at Social Security to be told to call "this number" (Direct Express) and request a new card. Took forever to get through. Requested new card. It took two weeks to arrive. I activated the card and now am on Day 9 of trying to transfer funds from Direct Express into my bank account. I have followed the WRITTEN instructions provided by Direct Express as to how to transfer funds. I am not a moron. I have a degree and have worked in the legal field for over 25 years. I would transfer funds (four times now) only the next day to find that the transfer was "declined" by Direct Express. Why? Who knows. They just decline it and don't provide any explanation. No communication whatsoever. Your only recourse is to call their 888 number (which takes forever to get through - today it took 35 minutes just to speak to a "live" body, and another 20 minutes to be transferred to a supervisor) Basically, I have found that (1) the "letter" (written instructions) that were provided to me by Direct Express is incorrect. The two customer services reps for Direct Express that I have spoken to in the last two days didn't know that this letter was included to customers with their debit card. The letter does not include correct instructions. For instance, they state to provide a "scanned copy" of the front of your driver's license, when, in fact, you must provide a PHOTOGRAPH of your driver's license, and not only the front of it, but the BACK of it, too. I have now tried four times to transfer funds, and four times it has been declined. Customer service can't help you. They don't have access to the reason why either. It's a complete guessing game as to what you did wrong, and the customer service rep doesn't know either. What a joke.

Tip for consumers:
Avoid if you can. Unfortunately, it's connected to Social Security. In my case, I have no choice.

Products used:
Bureaucracy bull$#*!.

Service
Value
Quality
Thumbnail of user chadg157
California
2 reviews
5 helpful votes
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February 28th, 2021

Card worked online fine for a year suddenly out of nowhere i cant make any online purchase at all anywhere. After 3 hours of waiting on the phone i got ahold of them where they told me the internet put up some fruad protections bs that they would take me off some stupid $#*! whitelist and to try again in 24 hours because thats how long the hold is they cant take off. Its my $#*!ing money and they control the issue but wont fix it. 24 hours went by and still same thing. Its been 3 months now no online purchases. So now i have to go to an atm and loose 16$ every time i withdrawl because the atm near me only allows increments of 200$ with a 4$ fee. After that i have to go buy a prepaid card. Thanks alot direct express. Worst card company i have ever had. Time to go to the ssi office and set up direct deposit into an actual bank you can walk into to get $#*! fixed.

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Quality
Thumbnail of user gg327
California
1 review
0 helpful votes
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August 9th, 2023

They will make you wait over 20 minutes and then answer your call with a very noisy background and say "We can't understand you; we cannot help you" then hang up. They will repeatedly tell you "We cannot help you" (if there's a third party in the background) WHEN THE THIRD PARTY IS THE ONE HELPING THE CUSTOMER UNDERSTAND THEM AND THEIR LAUNDRY LIST OF QUESTIONS. Majority of your staff is rude and have no compassion. Please ensure quality of service. There are a lot of senior citizens who have put in the work and are just trying to get what is rightfully theirs WHO need more time to get information you need, whether it be from IDs or other supporting documents.

Thumbnail of user kellyg1117
Connecticut
1 review
3 helpful votes
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February 14th, 2023

Hung up on me twice been trying for over four hours to fix and issue. Second time disconnected each time a wait time of 1 1/2 hours. Get some more staff idiots.

Thumbnail of user talitham7
Illinois
1 review
2 helpful votes
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January 3rd, 2022

I have been on the phone since 6am for a prepaid company that I have been using they service since 2008'. I made 5 transaction last night and somewhere in those transaction up the company because my card has been locked every since I made those purchases. The agents that get on the phone seem very nevous and unwilling to help. On Direct Express website it states that once u let them know these are your. Transations the card must be unlock immediately. However, I have been getting.and extremely dictatorship vibe from them. Although.my funds are or come from the SSA for disabled this the not mean I can't constitute or delegate where my money should be spent. Then to add insult to injury they unlock the card so I can pay my Genoa pharmacy bill. These agents got to be from 3rd world countries with three and four wives because as I was speaking they listening in where I have no voice. Please help *******@gmail.com

Service
Value
Quality
Thumbnail of user kenc684
New Mexico
2 reviews
4 helpful votes
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July 14th, 2022

If you haven't switched to or decided on a Direct Express card... DONT!... I am still waiting for a dispute for someone taking money off my card and it's been 12 days and their 5-10 day replacement card still hasn't come and I just now found out that the dispute could take 1 1/2 to 3 months for them to credit the money I need to live on and now I can't even pay my rent because of DIRECT EXPRESS!... They even told me it was happening to a lot of people, So why 3 months when it's obviously not our faults!?... DON'T HAVE YOUR SSI MONEY PUT ON ONE OF THESE THEFT CARDS!... I WAS THE FIRST ONE TO SAY THIS COULD NEVER HAPPEN TO ME!?... RUN! AND RUN AWAY FAST FROM THIS CARD!

Tip for consumers:
DON'T USE THIS SITE FOR YOUR OWN GOOD!

Products used:
Credit card

Service
Value
Quality
Thumbnail of user melindah307
Florida
1 review
0 helpful votes
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August 20th, 2022

Got my backpay on a direct express card. Used it fine a few times then it was locked. Called multiple times to unlock it then they wanted my driver license text to them! I did everything but a DNA test! Finally I went to a local bank and withdrew most of the money and switched my SSDI to the same local bank. After that I zeroed out my direct deposit card. Two weeks later got a call from them asking about a 313 number. I told them it wasn't me but no worries since I had already zeroed my card. The lady wanted my id and I told her she already got it and wasn't sending it again. She got mad and cancelled my card! Thank goodness! This company caused my PTSD and anxiety to go threw the roof! Don't use this card. Wish there was the option of a negative number!

Tip for consumers:
Get a local banker you can speak face to face with.

Products used:
None, I withdrew my money and got an account with a local bank.

Service
Value
Quality
Thumbnail of user robertg4272
California
1 review
2 helpful votes
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February 19th, 2023

I'm disabled and very sad. They are not helping me become happy. I have no way to buy things. They won't do anything for me. I would never recommend them. They should be shut down.

Tip for consumers:
Never Bank with Them

Products used:
Debit Card

Service
Value
Quality
Thumbnail of user colleenb510
North Carolina
1 review
0 helpful votes
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February 4th, 2022

I've been meaning to change my direct deposit well I finally did it this morning
Direct express is slow with any changes
They advertise to get your money early not true
I am on vacation and I have no way to transfer funds it takes 5 days
I am locked out of my account waited on hold four a hour finally hung up and got my direct deposit updated to go to my bank

Thumbnail of user amandag1700
Pennsylvania
1 review
4 helpful votes
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June 9th, 2023

My fathers card has been constantly declined at stores for no reason, even if there's money in there. He was issued a new card, paid $13 for express shipping, 5 days later and it's STILL not here. Called customer service and they said it's "out of our hands". I've called this company 4 times within the past week and a half and i'm beyond frustrated. I've tried being polite, i've tried being understanding. My father needs this money to live and the fact that he doesn't have his card yet is infuriating. He has bills to pay just like everyone else, but because this company can't get their act together, it's affecting my father. We will be switching him to direct deposit once it comes. We aren't dealing with these constant calls and complaints anymore. This company should be shut down. The government should find a different company that actually knows what they're doing in a timely manner because this is people's lives you're affecting while you sit in your own home (those that still work from home for whatever reason), comfy and cozy and cause the people that actually need this money to go hungry or without power. Disgraceful and disgusting.

Thumbnail of user naldy456
Pennsylvania
1 review
4 helpful votes
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March 29th, 2023

Save yourself the time and headaches. Wouldn't recommend this card to anybody. Terrible consumer services and they will hang up on you without any issues.

Service
Value
Quality
Thumbnail of user hunterh141
New York
1 review
1 helpful vote
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October 7th, 2022

This placed robbed my 12 year old last year.of $900 and now they're trying to rob my husband of$700 they're all crooks stay away from they will rob you.

Thumbnail of user netguy09
Massachusetts
1 review
1 helpful vote
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October 31st, 2023

DO NOT USE THIS APPLICATION BECAUSE HALF THE TIME IT'S NOT WORKING PROPERLY AND THE OTHER HALF THE TIME THEY ARE UPDATING AND TELLING YOU THAT THEY ARE MAKING CHANGES BUT THEY SEEM TO BE FOR THE WORSE I'VE BEEN WITH THEM FOR 10 YEARS AND THIS LAST NEXT DEPOSIT WILL BE THE LAST THIS CARD IS GARBAGE AS IS THE BANK I HIGHLY SUGGEST YOU USE ANYTHING BUT US DIRECT EXPRESS OR YOU WILL REGRET IT AND I WILL LAUGH AND SAY I TOLD YOU SO...!

Thumbnail of user desmah
Tennessee
1 review
6 helpful votes
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July 7th, 2022

Please don't use this card. You can never get a life person. The worse ever. Had my card used in New York and I live in nashville. Been trying to get this problem resolved the whole day

Thumbnail of user 213gramma
Utah
1 review
0 helpful votes
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March 2nd, 2024

DO NOT GET THIS CARD. YOU WILL OWE MORE ON YOUR BILLS BECUZ OF LATE FEES YOU WILL AQUIRE BCUZ YOUR CARD DOESNT WORK EVERY SINGLE MONTH YOU HAVE TO CALL THE. TO UNLOCK YOUR CARD THAT AHOULDNT BE LOCKED RO BEGIN WITH. BEEN TRYING TO CALL THEM FOR 5 DAYS NOW LATE ON MY BILLS BECAUSE MY CARD IS LOCKED THEY SAY THEY ARE OPEN 24/7 BUT NOBODY ANSERS YOUR ON HOLD FOR 5 DAYS UNTIL SSI BUILDING OPENS AND THEY HAVE TO CALL THEM & YOU HAVE TO WAIT FOR A CALL BACC FROM THEM I HAVE NO PHONE NIW NY SERVICE WILL BE SHUT OFF TONIGHT JUST WENT THRU THIS LAST MONTH. UNBELEIVABLE
STAY AWAY FRON THIS COMPANY
COME ON FEDERAL BANK YOU CAN DO BEYTER THAN THIS!

Thumbnail of user roberts5036
Texas
1 review
4 helpful votes
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June 7th, 2021

Worst customer service I have ever experienced. Cant get through on the phone, they don't even give you the option of staying on hold, they just disconnect

Thumbnail of user janetc1395
California
2 reviews
3 helpful votes
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November 6th, 2022

Unable to access my funds. Customer Service will not answer. Tried 5 times and can't get through to anyone. I haven't been able to use my funds for 2 days now!

Thumbnail of user steveb2618
Pennsylvania
1 review
2 helpful votes
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September 24th, 2022

This is so frustrating. I receive my Social Security benefits on the DX card. Every time, EVERY TIME, I use the card at a vendor I've not used before, the card gets refused. For the love of Pete, this is MY MONEY. I paid into Social Security for HALF A CENTURY!. If I live to be one hundred, I will only receive about 30% of what I paid into it. PLEASE PLEASE *PLEASE* let me spend my my money!

Thumbnail of user mariar2843
Texas
2 reviews
1 helpful vote
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May 28th, 2023

This company is trash they steal our money and will not give it back the employees ought to ashamed of themselves for working for a company like this I will be telling a certain man what is going on there his name is Jesus Christ he will not let y'all keep stealing our SSI checks they froze my account for 3 months and then when they finally unfrozen it they stole 3 of my checks karma will one day get every last person that works there if you work for a company like this that says a lot about you you are a thief too when you do things like this karma will get you seventy times

Service
Value
Quality
Thumbnail of user kailynnm2
Indiana
1 review
2 helpful votes
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January 4th, 2023

Absolutely appalled with this company I never leave reviews but I can not believe what I've dealt with the past few days my daughter's receive survivors benefits and their cards don't expire for another two years but they decided on their own to send out new cards which were sent out on the 12th of December and loaded their benefits onto them and it's the 5th of January and I've yet to get the cards had been calling customer service for the past two days just to be told high call volume then hung up on finally got thru tonight and the customer service representative was the rudest I have ever dealt with absolutely disgustingly rude by the time the call was over I was almost in tears I was so mad I haven't had problems with the cards but the customer service and trying to get a hold of them was enough to make me done with this company

Thumbnail of user ginnieh7
Idaho
1 review
3 helpful votes
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September 1st, 2023

For the love of God, when your loved ones pass away, immediately clean their money from this awful card company, I've been taking care of my Mom for many years, I 2as her medical power of attorney, days after she passed they locked her account, I was unable to pay her last months bills, when I called you them then said they would send paperwork to fill out, they asked for probate papers her last will, all kinds of $#*!, I sent a letter telling them that she rented a low income apartment and had nothing of value, she lived on $1,100 a monthly she had no reason for a bill and there was no probation, they would not accept a medical POA so basically telling me they were keeping her money, would have been nice to have it to help with final expenses, the only reason I gave them 1 star is because I couldn't give zero, and when you call they have people answering the phone that you literally can not understand a word they are saying, this company is absolute thieves!

Thumbnail of user jimmiet18
North Carolina
1 review
7 helpful votes
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March 23rd, 2021

Im on ssi and I got my 1200 and 600 on direct express now they are saying they might send us a check for the 1400 I don't have a bank account and it cost a lot of money to cash a check once I get my 1400 I will no longer use Direct express you people suck

Thumbnail of user thomasinaw5
South Carolina
1 review
3 helpful votes
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November 6th, 2021

Direct express allow Apple to take over 1000 dollars in less than 24 hours from my 70 yr old uncle... not all at once either,,, they took 49.99 then 19.99 over and over again until they got his while social security check... WHY IN THE HELL DIDNT THEY STOP IT AFTER THE THIRD SEQUENCE?
WHEN I CALL TO COMPLAINED THEY WONT TALK TO ME AND TELLS MY UNVLE SOME BULL$#*! BUT HE STILL OUT OF THAT MONEY

Service
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Quality
Thumbnail of user frankc1197
Florida
1 review
3 helpful votes
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July 10th, 2021

First of all this company, apparently hires anyone that DOES NOT have customer service skills much less understanding of how you talk to and treat people, and yes even the supervisors. Giving me false information, and getting a customer service rep that isn't having a bad day and Is actually helpful your better off trying to get a brick wall give you a response because being treated like an idiot Is not something that I will accept especially after fighting 8 years for this country and the window lickers in customer service that shouldn't be in their positions.

Tip for consumers:
Don't use DIRECT EXPRESS!

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Value
Quality

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