Sketchy as anything when this product hosts the money you're being awarded through whatever program. Issue, their reps.don't seem to understand much,emailing them is like emailing your cement post. There was a reverse charge situation,and the customer service has no idea what this is.I had to dig around to located their paperwork,where you can ONLY fax it to this other department. This other department when phoned will do the following: answer without a clue as to why you reached them, redirect you to prepaid solutions who can't do anything, or hangup. Chargeback/reverse department response requires 45 days,thus you risk having your request age out. Even more ridiculous, the intellects at "Swift" Prepaid Solutions will tell you "no error occurred" to warrant a reversal. This is literally cash,and Prepaid isn't protecting the consumer's money,similar to a bank credit card. If you end up with a balance that isn't going to cover a transaction while at a bricks and mortar. You will need human intervention. One that will be WILLING to go through the effort to punch in the card's numbers,and another key or so to allow you to FINISH paying the remaining balance using some other method. This is the worse part about the card, trying to FINISH using the remaining total. Walmart location visited, I suspect was just being dishonest,and said they cannot use the card via manual input. SO, if a giant like Walmart doesn't "accept" the prepaid card, you can imagine the hassle. As others have noted, this type of pre paid card is NOT ACCEPTED everywhere you may want to shop.It's almost like prepaid digital, or the companies giving you a pre paid card want you to LEAVE money on the table because you give up from the frustration trying to use it. There needs to be laws in how these cards are required to be cashed out in their ENTIRE sum. Recognized as a debit/credit transaction by all retail with debit/credit services. Where a customer can use the remaining amount against the total transaction. Online for example, prompted to use another payment for the remaining total. Gift cards can be used in this manner. File a CFPB [The Consumer Financial Protection Bureau ] complaint.First date of interaction began approximately in December 2022*
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