Review Time
An account was opened in my name with my SSN due to identity theft that occurred two months prior. Even though I have fraud alerts on all reports, they're frozen with personal statements, I have a police report and a report with the FTC, this company allowed an account to be opened with the information.To make matters worse, after I contacted them to get it closed, they refuse to send any kind of confirmation and don't flag any of the information in their system. This allowed the thieves to open another account without having to verify anything a month later, even though there was already 1 account under the exact same information that was supposedly blocked and flagged as potential fraud.To top it off, I was blatantly lied to multiple times, told contradicting information by different associates and treated like an idiot by most people I spoke to.
I am going to provide an update of GOBANK and its inexcusable practices. As I am going through my statements I am noticing many discrepancies. No customer will answer the phone, but they encourage people to call and speak to someone. When someone called me last week he also decided to hang up on me. I have a right to be angry.First, let me say I know they are stealing from me where they can, it's not easy to prove, but all banks do it. Recently I switched my bank to another, and they are not the portrait of honesty as they have been busted for theft so many times and are still in business, because the Government doesn't regulate or care. Bankers rule the world. So I will just use them for what I need them for, and extract my monies, at least I can walk in the bank, with GO BANK it's not possible.However what I have experienced is double transaction fees from ATMs, foreign fees for products I canceled that added to over 20 dollars. Recently a purchase in the amount of $9.68 was posted but no evidence of this item from a vendor was found. Yet I made a purchase two years ago in the same amount. Strange. They don't lock me out of my account so much anymore, but when they did I am sure it gave them time to mess with the numbers.What I don't understand is how are credits and debits in the same amount of balance, but 5 cents indifference? They have done this several months back to back. Also, I don't like how they create the statement starting from the middle of the month for example 02/17 through 3/18 there is something not right about that? It should be month to month from the 1st to the 30th give or take the extra day.They never answer the emails I send and if they do its an autoresponder, Once an item is posted I can no longer see the details of the post item itself, so again items can easily be turned around or deleted.And this is seriously questionable. I made a purchase and the vendor ran my card twice the charge showed up an hour later and the vendor thought it didn't go thru but when he noticed it did, he made a return. I spoke to him and he gave me a screenshot of the refund, however, the second transaction is nowhere to be found. It's not the only time this has happened.I have been dealing with so much theft since this virus took place, Honda Financial steals interest of off my "principal payments" they are not supposed to do that. Interest is only taken from an actual monthly payment. Today I picked up a package from a vendor and was given an empty packaged envelope, the person stole my underwear I purchased right from the bag and mailed the empty package.I have decided to pull back no more purchases I advise everyone to do the same. Only buy your food and rent and bills, pay for small items in cash, and use your debit card less.The more transactions you have the easier it is for banks to steal. Once a girl told me she worked for BOA they had a method to push overdrafts on people to take monies for fees. Everybody stop buying things you don't need seriously until the smoke clears... it's not going to get any better right now.Amazon, Aliexpress, and Banks are in theft mode, many packages are going missing and stuck on docks not being distributed because of this virus, so items are easily being lost and stolen. Please, everyone, stop buying stuff, let the banks and vendors take a hit. If you don't consumers will suffer more and more.
Prior to today, I would have given a 5 star rating. This was a game changer. On Friday, I had an auto dealership where I had some work done, charge my card over $250 After speaking to them, they reversed the charges and told me it should go right back on my card. It did not. Monday was a bank holiday so I waited until today, Tuesday. I contacted GoBank to inquire as to what was going on. After talking with a supervisor, I was told the money wold be held for 7 WEEKS! Wait, what??? That was there policy and it could not be changed. When I asked to speak with her supervisor, I was informed she would send an email and someone would call me to set up an appointment to speak by phone. REALLY?? Everyone has a phone. This is worse than bad. This must be criminal at some level. So my bank can bottleneck my money for weeks and I’m powerless to do anything. I’m done and you shouldn’t ever start!
Stay away. Worst bank ever. My account with $1900+ was blocked and I was never told why. Had to call them and wait 30 minutes on hold to find out why. They wanted documents (didn't email me about it, nor call or message). Anyways, I submitted them, still nothing. Asked on twitter, twitter people said to call the Corporate office. Called again, holdAgain, holdNext day was lucky to get to talk to some person after 20 minutes. She said one of the documents wasn't clear, send it again. Ok. Why CANT YOU TELL ME THIS ON EMAIL OR SMS?Sent those again. Month goes by. NOTHING. Still nothing. My money is still stuck. They keep making excuses, send that, send this. I've sent everything they are asking for. They will never call you or email you. Just block your account and say bye bye to your money.
GoBank supports fraud against their customers, they have no protection for their customers against unauthorized or fraudulent charges. You, the customer, can't even call to report unauthorized or fraudulent charges on your account until they have cleared and your money is long gone. Their "policy" is to allow the transactions to post completely, allowing the fraudsters and the merchants get their goods/services and money and then we'll see what we can do for our customers, maybe. STEER CLEAR and AVOID AT ALL COSTS. Your money is not safe and your business/support is the last priority for GoBank! The customer service reps are a joke too, they've been trained to invalidate their customers and blame them for fraud committed against them, being unapologetic, unsympathetic, accusatory, and just plain rude. I can not believe that they can get away with this kind of thing. Green Dot is a poor excuse of a financial anything, and the worst choice for your financial fortitude and well-being. DO NOT TRUST THESE IMBECILES WITH YOUR MONEY!!
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