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Byron of Atlanta writes (3/29/03):
A fancy debit card called Wired Plastic is claiming, through affiliate websites and emails, that it builds credit and reports to credit bureaus. It does not and cannot.
I'm just concerned about others who are trying to rebuild credit and pay the absurd fees associated with this card and then learn -- nothing reported to the bureaus.
Byron's right -- it's just a debit card which won't do a thing for anyone's credit. Better to save your money and avoid the fees, which may very well be substantial, as the folks below will tell you.
Tammy of Rock Hill, SC April 17, 2009
I have been trying to use my bonus points since oct. 2008 and cant. They keep saying there computers are down, How is a company's computer down for 7 months and they still be in business.
Sahar of Hayward, CA March 16, 2009
In December 2009, a charge appeared on my account for 215.09 to Ebay International. This was not a valid charge and after months of trying to dispute this, I was told by Wired Plastic that visa told them this was an irreversible charge. I've been a customer for 4 years and this was the answer I received from them. Thats 215 down the drain to god knows who. Your money is not safe with this account. They rip you off. Do NOT do business with wired plastic!!!!
Financial problems.
Julius of Wahiawa, HI February 19, 2009
Just to add my 2 cents about Wired Plastic. Well i see a lotta complaints here but i have them for 7 yrs and have had direct deposits for 3 of my jobs including my tax refunds into this account. I only had one incident for a double charge. I printed the online statement and showed the merchant and the next few days i was credited that amount. This is good account if u just need a Visa card. I pay ALL my bills online with them now. Very covienent and less haggle then writing checks or money orders. But yah read the fine print b4 u get an account as there are fees as with any bank account.
Howard of Independence, MO January 20, 2009
Refused to refund my balance on their prepaid plastic card. I have emailed them and called them and they will not close my account without me paying them 15.00. I was never informed that I would be charged to close an account with them.
Balance on account 2.74.
Yolandra of Columbus, GA January 20, 2009
On Dec 31,2008 I withdrew 500 from an ATM that was disfunctional. It charged me as if the money was disbursed. I had to write a dispute about was happened. They told me it would take 60 to 90 days fro the money to be placed back on my account. Itold them I have bills to pay but they did not care. I am still waiting for my account to be updated.
During this time, I had to pay 145 late fees to my landlord for rent. I could have used the late fees for other bills at home.
Rolanda of Bay Point, CA December 19, 2008
I put in a dispute for a fradulent charge in October and was never contacted about the resolution. I contacted wired plastic and they informed me that they refuse to reverse the charge due to the merchant having proof it's valid. I argued that it's impossible due to the merchant not having my signature. I requested a fax copy of what the merchant had sent them. I was told it would be faxed ASAP, never done. I called back and was told it would be done by 5, never done. I called back and was told it would be done by 8pm, not done. I called the very next day was told records show it was done. I explained if it was done I would not be calling. I again requested the merchant info along with proof that it was previously done. Still have not been received.
Caused financial hardship.
Thom of Hampton, SC November 21, 2008
While on vacation in Augusta GA, my card number was stolen and used in Ohio at a vet office. Upon finding this out I was charged 200.00. I called Wired plastic to ask them what I needed to do to get that money refunded to my account. I was told that I needed after sending it by fax almost 2 months ago I have yet to hear anything from them. My phone calls are ignored. Was told that no one can help me other than the despute department that does NOT take phone calls.
The funds that were used were for my car insurance in which was canceled
Lindsay of Columbus, OH November 16, 2008
I have read alot of bad reviews about this card, however I have had the card for over three years and have not had any kind of problems that have been mentioned. Although, there were 3 times when I would withdraw money from a Bank of America ATM and it would make a funny noise and give me a receipt, but no money. Of course, Bank of America is not able to help in this situation since the credit card is from a different company. But when this happened, the money would show up on my account the next morning all three times.
The company Wired Plastic may have screwed over people, but I'm sticking with them because of how good they are to me. And they never advertise to report to credit bureau. This is a good card to have if your on chexsystems and cannot get a bank account for direct deposit.
Eugene of Mableton, GA October 10, 2008
i've been reading about everybody els problem with this card i haven't had this card no more than 2 weeks and i have had problems i tried to link the card to paypal,paypal sent to small deposits twice and it didn't post to the wired plastic account so thats a redflag for me.so today i called them and closed the account don't get this their a joke.
stress
Kelly of Las Vegas, NV August 24, 2008
I have my ss disability payments direct deposited on my wired plastic acct. Over 1 1/2 yrs ago I went to prison and was not in posession of the card and 3200.00 was stolen from me. I did not know this until I got out in May of this year at which time I filed a dispute. I was told that all this money was recoverable because I proved I was incarcerated and could not have spent the money. I was told it could take up to 3 mos. (90)days to receive the money.
I called every 2 weeks to make sure everything was in order and the process was proceeding along as expected and was assured each and every time by representatives and supervisors that everything was in order and I could expect the money at around 85-90 days after the dispute was filed.
8 days prior to the 90 days I called again and they told me that sin ce I didn't file the dispute in time that I was not entitled to the money. I explained agian that I was incarcerated and they said its not our fault you were in prison this is money that I also have to pay back to the government since some of it I waqs not entitled to after being locked up.
This was money I was going to use to rebuild my life and get on my feet after this horrible experience. I now am paying back money to the government that I never received in my possession
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