Tuesday, May 11, 2010

The Whole Truth and NOTHING BUT THE TRUTH, please...

COMDATA is a payroll system coupled with highway robbery!

Why?! Your paycheck is handled by them, even the direct deposits. Nothing wrong with that, right? WRONG!!!

When you first get hired, any company using Comdata/Employbridge, will issue you two cards: The first, a "no frills" debit card for temporary activation and access to your paychecks and stubs online then a Mastercard logo'ed card with your name on it, by mail, 1-2 weeks later.

It would be easy for a "caring" payroll rep to hand you the temp card and a FEE Schedule upon your hire date. But if not or in my situation, the rep was nice but not thorough, I didn't get any schedule fee and my temp card was not activated until 2 weeks later!

I didn't want Comdata to take any of my money. Period. That's when the problems started to roll in... In a span of almost 4 weeks of being employed as a Shipping Clerk, these are the different "truths" I got from several associates and a Supervisor.

1. You get 1 and only 1 FREE transaction per pay period! Meaning, one free ATM swipe at any Allpoint networked ATMs. When your direct deposit starts, that "load" IS NOW your FREE transaction! If you have any money left on any of the issued cards, "tough 'taters"! (the fees come a knockin'!)

2. If you go to their "FREE ATM" network which most are inside 7-11's, the network won't charge you, but Comdata will- $1.50 per swipe! And there's a maximum limit of how much you can take out depending on your paycheck: $30-200, $180 max; $201.50 or more, $200 max; $500 or more, $400 max; forcing you to keep some of the money in the cards!

3. If you go to the stores to use the Debit card (Mastercard logo only), it's 50 cents a transaction!

4. If you go inside any bank to "Cash Out" your card, be prepared to get $5 less!

5. And... you have to know that coming into the bank or you will be automatically DECLINED plus a $1.00 -in bank use fee!

6. Oh... Here's the best one! If your paycheck is on a Friday, but you swiped your card on Thursday as your FREE transaction, no such luck! They will charge you a "PROXIMITY fee" of $1.00, meaning it's your bad for waiting to grab some money so close to the next pay period! (Challenged and won a full refund on this one because one of their associates told me when to go after my first card was finally activated!)

7. I was told that I can use the logo card as a CREDIT card, NOT! It is strictly a DEBIT card meaning you have to access it with your PIN per transaction! If you attempt to use it as a CREDIT card, your transaction will be DENIED and get charged $1.00!

8. And last but not the least.... (drum roll, please!) If you forget how much money you have left in the card and you ask at the ATM (Balance Inquiry) or your bank how much is in it, another $1.00!!!

So... If you're a regular "Schmo" who can't afford to have any institution hold your hard earned cash every week and you can't access the full amount you need in one swipe to pay a bill, you can easily rack up $4-20 a week in fees alone! That's a total of up to $80 you hand back to Comdata for the privilege of using their cards! Great... NOT!

Most Temp Agencies use them and other small companies... So beware! If you are asked to take a PAY CARD... DO NOT USE THEM! ASK THE PAYROLL TO START YOUR DIRECT DEPOSIT ASAP- LIKE THE MOMENT YOU GET HIRED SO YOU DON'T HAVE TO USE THIS CARD. COMDATA HAS A WHOLE BROCHURE OF SCHEDULE OF FEES! A WHOLE BROCHURE!!!

My story and frustration: My payroll rep was new and she wasn't savvy to all these "underhanded but legal" contract they have with Comdata. I'm lucky, by tomorrow, they've only gotten a total of $3.oo from my paychecks because I would call and challenge each time letting them know I'm not willing to give them my hard-earned paychecks.

I've spoken to over 10 people, one being the supervisor Pablo, and yet, each one, would only give up PARTIAL TRUTHS and it was up to me to piece it together!

Convinced now that this company is set up to TAKE YOUR MONEY over the everyday, "your bank would never think to charge you for" situations? There's no forgiveness, no use disputing because they are all at the mercy of the FEE SCHEDULE!!! (mwah-ha-ha!!!)

As my husband just texted me... "They are crooks!" Cut our losses and be done with their card!"

If this shocked you then I've done my job... Good night! Being sick (chest cold) and frustrated, NOT a good combo!

3 comments:

Hansonpatch said...

Good for you for challenging! I hate companies like that one and they are popping up everywhere. No surprise I guess, considering that everytime the economy has been in trouble in the past these type of institutions arise. Ex.-the carpet baggers in the south after the civil war, and that is what I call them Carpet bagging companies. I'm sorry that your sick and I hope you get better soon. We have the same thing going on in our house right now. Three little sick kiddos, it stinks! Feel better!

kado! said...

oh my goodness, that is horrible! I've never heard of them. We use Chase & US Bank and have never had problems like that, I'd switch quick!!!!

Chandy said...

Thank you ladies! I did my "severing ties" bit and and spent the last $12 minus the .50 charge of course at our local Albertson's tonight! Sweet ending to an awful awful nightmare that is Comdata! I agree with you Ann, they are carpet baggers by being this crooked!

Kado, I can't switch but by now having my direct deposit, they can no longer touch my money once it's in my bank. Thank goodness!