Bluebird American Express doesnt cover fraud for me..

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debip
 
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Bluebird American Express doesnt cover fraud for me..

Postby debip » Sun Apr 19, 2015 1:28 am

:mad: :mad: :mad: I had a charge on my bluebird card AE, that was not authorized by me to charge my account. they said and I quote " you handed the vendor your card". WRONG, the vendor is 3000 miles from me. They did not help me and they just took all
of my money and closed my account. Never called me and never told me that this had
happened. I had to call myself, an find out what my balance was and they said my account was closed. Bluebird is a joke, and will never do business with them again.
Bluebird card is such a unfair unbelievable company. Please don't get your self
in to their system as they just pay anyone. And you call about a charge and they fill in
their own words as to what happened. Customers don't get refunded after you
noticed a charge was made that you did NOT authorize to charge the account.
BEWARE of this company ....


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CarefulBuilder14
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Postby CarefulBuilder14 » Sun Apr 19, 2015 10:15 am

This is why I don't do MS...
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Sun Apr 19, 2015 11:47 am

CarefulBuilder14 wrote:This is why I don't do MS...


Ditto. I had thought about it before though and even read some websites that cover the subject but I don't have enough time or patience to even want to attempt it, nor do I even go to Target or Walmart much at all now.

Plus it's a huge no no with lenders like Chase if they catch you. If I were to do it though, seems Discover, Barclays and CapOne would be the best to do it with.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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lobbythis
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Postby lobbythis » Sun Apr 19, 2015 1:50 pm

Don't be a point chaser. Spend within your means. Get cards that actually work for you. If you MS, you are just a sucker for marketing.

kdm31091
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Postby kdm31091 » Sun Apr 19, 2015 2:27 pm

Thank you lobbythis, for summing up MS in the best way I've seen in a long time.

Just don't do it. Then you won't have these issues!

JamesMS
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Postby JamesMS » Sun Apr 19, 2015 6:58 pm

CarefulBuilder14 wrote:This is why I don't do MS...


There's really no good point to do it.
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Spark Cash Back (Business), Amex Plum (Business)

Gamma
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Postby Gamma » Mon Apr 20, 2015 7:13 pm

I fail to see how his post had anything to do with ms. Is it hard to believe someone might actually be using it as a legitimate bank account? Besides, if someone does mess up msing, they deserve it for not doing their homework researching how it works. I been doing ms for about 3 years and so far no problem.

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Apr 20, 2015 7:36 pm

Gamma wrote:I fail to see how his post had anything to do with ms. Is it hard to believe someone might actually be using it as a legitimate bank account? Besides, if someone does mess up msing, they deserve it for not doing their homework researching how it works. I been doing ms for about 3 years and so far no problem.


I like the protections of using actual credit cards, and like to avoid debit/prepaid/gift cards as much as possible. I only move money into my checking account as I need it to pay CC bills (or, infrequently, write a check).

I wasn't saying the OP was doing MS - just that for most people on a credit card website, MS would be the only reason to ever go anywhere near a Bluebird account, or at least to keep money in one.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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lobbythis
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Postby lobbythis » Mon Apr 20, 2015 8:10 pm

It's the second complaint in just a few days of someone claiming a prepaid debit card company stole all of their money and the OP never even came back. So, obviously it wasn't that important.

On other ecommerce forums I'm on where prepaid cards are discussed, I've not once read an account of one of these companies just running away with tons of money and the customer being completely innocent, especially a card by Amex. I'm sorry, I just don't believe Amex is out there stealing money from innocent people for no good reason.

Both times this week, these stores have been incredibly sketchy and I highly doubt we will ever hear the full story.

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CarefulBuilder14
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Re:

Postby CarefulBuilder14 » Thu Apr 23, 2015 10:54 pm

lobbythis wrote:It's the second complaint in just a few days of someone claiming a prepaid debit card company stole all of their money and the OP never even came back. So, obviously it wasn't that important.

On other ecommerce forums I'm on where prepaid cards are discussed, I've not once read an account of one of these companies just running away with tons of money and the customer being completely innocent, especially a card by Amex. I'm sorry, I just don't believe Amex is out there stealing money from innocent people for no good reason.

Both times this week, these stores have been incredibly sketchy and I highly doubt we will ever hear the full story.


The claim isn't that Amex stole the money - it's that a third party took the money and Amex isn't willing to investigate the allegedly fraudulent transaction or try to recover the funds from the fraudster/merchant. The CFPB has done a lot to improve protections on bank-account-linked debit cards, but Amex Bluebird isn't quite as good - at least not in the event a card isn't properly registered. That may have been part of the OP's problem.

It's perfectly possible that the funds could have been stolen from an innocent victim. If the card was used for an authorized transaction with a merchant, then the merchant would have the card info. Either a malicious employee or an outside hacker could get the card information and use it to make a transaction or sell the information to someone else.
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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