Go2bank Scammed me!- They Stole My $100

Summary

El script narra la experiencia negativa de un cliente con el banco en línea 'Go To Bank', quien se sintió estafado por no recibir el bono promocional de $100 tras realizar un depósito directo de $200. Critica las prácticas del banco, como retener fondos, cobrar comisiones altas y ofrecer un servicio de atención al cliente ineficaz. El narrador describe su proceso para cerrar la cuenta y advierte sobre las posibles trampas y falta de transparencia de la institución, sugiriendo que otros bancos asociados a Green Dot Bank, como Wealthfront, no comparten las mismas deficiencias.

Takeaways

• 🏦 El script habla sobre una experiencia negativa con el banco 'Go To Bank', donde el usuario se sintió estafado.
• 📅 El usuario se inscribió en 'Go To Bank' el 18 de agosto, buscando obtener un bono de $100 por realizar un depósito directo de $200 en 45 días.
• 💰 El usuario cumplió con los requisitos del bono, pero no recibió el pago prometido en el plazo de 48 horas.
• 🤔 A pesar de las malas reseñas y reputación del banco, el usuario decidió inscribirse, sabiendo que podría ser una estafa.
• 📞 El servicio de atención al cliente fue inútil, ya que no pudo proporcionar una solución ni una explicación satisfactoria sobre el retraso en el bono.
• 🚫 El usuario encontró que una vez que el dinero estaba en la cuenta de 'Go To Bank', era difícil o imposible transferirlo a otra cuenta.
• 💳 El usuario tuvo que realizar una transacción débito para 'gastar' todo el dinero en la cuenta antes de poder cerrarla, debido a las limitaciones de retirada de fondos.
• 📝 Se menciona que el banco cobra tarifas ocultas y que el servicio fue considerado poco confiable y engañoso por parte del usuario.
• 📉 El usuario expresó su intención de cerrar la cuenta y desactivar la tarjeta, ya que no desea seguir utilizando los servicios de una empresa que considera estafadora.
• 🗣 Se discuten las experiencias de otros usuarios en internet, con comentarios similares de frustración y problemas para acceder a sus fondos.
• ⚖️ Aunque el usuario considera la posibilidad de presentar una queja ante organismos como el Consumer Financial Protection Bureau, está consciente de que los términos y condiciones del banco pueden permitir que se nieguen a pagar el bono sin consecuencias legales.

Q & A

¿Qué es lo que el hablante está discutiendo en el video?

El hablante está discutiendo cómo fue estafado por el banco 'Go To Bank' y su experiencia negativa con el proceso de obtener un bono por depósito directo.

¿Cuál fue la oferta promocional que el hablante aceptó al unirse a 'Go To Bank'?

La oferta promocional consistía en obtener un bono de $100 por realizar un depósito directo de al menos $200 en un plazo de 45 días, con la promesa de que el bono sería acreditado en 48 horas.

¿Cuándo abrió el hablante su cuenta en 'Go To Bank'?

El hablante abrió su cuenta en 'Go To Bank' el 18 de agosto.

¿Cómo describió el hablante el proceso de apertura de cuenta en 'Go To Bank'?

El hablante describió el proceso de apertura de cuenta como extremadamente fácil.

¿Cuál fue el problema que el hablante encontró con el bono prometido por 'Go To Bank'?

El problema fue que, a pesar de cumplir con los requisitos del bono, el dinero no fue acreditado en su cuenta en el tiempo prometido (48 horas).

¿Cómo intentó el hablante resolver el problema con el bono no acreditado?

El hablante llamó al servicio de atención al cliente, pero no obtuvo una solución satisfactoria y decidió retirar su dinero y cerrar la cuenta.

¿Qué inconveniente adicional encontró el hablante al tratar de retirar su dinero de 'Go To Bank'?

El hablante encontró que una vez que el dinero está en la cuenta de 'Go To Bank', no hay una opción directa para transferir el dinero a otra cuenta bancaria y que se ve obligado a utilizar el dinero a través de un débito o retiro en efectivo.

¿Por qué el hablante decidió cerrar su cuenta en 'Go To Bank'?

El hablante decidió cerrar su cuenta debido a la falta de transparencia y confianza en la empresa, y porque no cumplieron con los términos de la oferta promocional.

¿Qué medidas tomó el hablante para evitar futuros cargos de cuenta por parte de 'Go To Bank'?

El hablante cerró su cuenta con un saldo cero y planea llamar al servicio de atención al cliente para cerrar la cuenta oficialmente, evitando así cualquier cargo mensual no deseado.

¿Qué tipo de información personal demandó el sistema de atención al cliente de 'Go To Bank' durante la llamada?

El sistema de atención al cliente de 'Go To Bank' demandó el número completo de la tarjeta ATM, incluyendo el número de tres dígitos en la parte trasera, el apellido de la madre del hablante y el número completo de la seguridad social.

¿Qué es la opinión del hablante sobre la reputación de 'Go To Bank' y sus prácticas empresariales?

El hablante considera que 'Go To Bank' es una empresa deshonesta y que no cumple con sus promesas, con prácticas empresariales cuestionables que podrían considerarse fraudulentas.

Outlines

00:00

🏦 Problemas con el bono de cuenta nueva en GoTo Bank

El autor narra su experiencia negativa con GoTo Bank, donde se inscribió a través de un enlace de referencia para obtener un bono de $100, que no se creditó según lo prometido. Detalla el proceso de apertura de cuenta, el cumplimiento de los requisitos de depósito directo y la falta de respuesta por parte del servicio de atención al cliente. Expone su decisión de cerrar la cuenta por la falta de transparencia y la sensación de ser engañado, así como las dificultades para transferir fondos fuera de la cuenta.

05:02

📢 Advertencia sobre las políticas de bonificación de GoTo Bank

Se discuten las políticas de bonificación de GoTo Bank, que permiten a la empresa cancelar o modificar los términos de la oferta de referencia o rescindir la elegibilidad de los miembros sin previo aviso. El autor reflexiona sobre la falta de protección para los clientes y comparte su experiencia al intentar retirar fondos de la cuenta, enfrentando cargos y limitaciones que consideró engañosas. También menciona la decisión de retirarse del programa de afiliados y advertir a otros sobre la empresa.

10:04

😡 Comentarios negativos y prácticas cuestionables de GoTo Bank

El script presenta una serie de comentarios negativos de clientes de GoTo Bank, quienes relatan problemas como el bloqueo de cuentas por actividades sospechosas, cargos ocultos y falta de comunicación. Los clientes expresan su frustración por la incapacidad para acceder a sus fondos y la falta de respuestas satisfactorias por parte del banco. Se mencionan casos de individuos que perdieron grandes sumas de dinero debido a las prácticas del banco.

15:06

💡 Diferencias entre GoTo Bank y otras fintechs

El autor analiza por qué algunas fintechs, a pesar de utilizar los servicios de Green Dot Bank, no presentan las mismas prácticas cuestionables que GoTo Bank. Menciona Wealthfront Cash Account como ejemplo de una fintech que no ha generado el mismo tipo de quejas que otras empresas. Se sugiere que la estructura de cuentas de Wealthfront, que no separa el dinero de cheques de los ahorros, podría ser una razón por la cual no se comporta de manera engañosa.

20:08

🏆 Cuestiones sobre el premio de confianza de Green Dot Bank

Se cuestiona la credibilidad del premio 'más confiable' otorgado a Green Dot Bank por Newsweek, statisa y otros, dado el número elevado de quejas y la falta de satisfacción de los clientes. El autor examina la metodología del estudio, sugiriendo que podría estar sesgado en favor de anunciantes y no refleje adecuadamente la experiencia del cliente real. Destaca la discrepancia entre los resultados del estudio y las opiniones reales de los clientes, basadas en comentarios y quejas en línea.

25:08

🗣️ Llamado a la acción y reflexión final sobre Green Dot Bank

El video concluye con un llamado a la acción para que los espectadores compartan sus experiencias con Green Dot Bank o GoTo Bank en los comentarios. El autor también pide que los espectadores den like y se suscriban para recibir más contenido similar, sugiriendo que la información presentada podría ser útil para otros en la toma de decisiones financieras.

Keywords

💡Estafa

La palabra 'Estafa' se refiere a un acto de engaño con el fin de obtener un beneficio, generalmente económico, a costa de otra persona. En el video, el narrador describe su experiencia con el banco 'goto bank', donde se siente víctima de una estafa al no recibir un bono de $100 prometido por realizar un depósito directo de $200 en 45 días, lo que es central en el tema del video.

💡Bono de cuenta nueva

El 'Bono de cuenta nueva' es una oferta que algunos bancos ofrecen para atraer a nuevos clientes, donde se promueve un pago adicional por abrir una cuenta y cumplir con ciertas condiciones. En el video, el bono de $100 es la motivación inicial que lleva al narrador a abrir una cuenta en 'goto bank', pero la experiencia termina siendo negativa ya que no recibe el bono.

💡Depósito directo

El 'Depósito directo' es un método de pago en el que una cantidad de dinero se transfiere directamente de una cuenta a otra, como un empleador a la cuenta bancaria de un empleado. En el contexto del video, el narrador realiza un depósito directo de $200 desde una cuenta de Chase para cumplir con los requisitos del bono, pero no recibe el bono prometido.

💡Plazo de 45 días

El 'Plazo de 45 días' es el período de tiempo establecido por 'goto bank' para que los clientes cumplan con las condiciones para obtener el bono de cuenta nueva. El narrador menciona este plazo como parte de las condiciones que creía cumplir al realizar el depósito directo, pero no recibió el bono.

💡Transacción de débito

Una 'Transacción de débito' es cuando se realiza un pago o se retira dinero de una cuenta utilizando un débito. En el video, el narrador utiliza una transacción de débito para gastar todo el dinero en su cuenta de 'goto bank' antes de cerrarla, ya que no pudo transferir el dinero de regreso a su cuenta bancaria principal.

💡Cierre de cuenta

El 'Cierre de cuenta' es el proceso de cancelar o eliminar una cuenta bancaria. El narrador del video decide cerrar su cuenta con 'goto bank' debido a la falta de transparencia y cumplimiento de la promesa del bono, lo que refleja su descontento con el servicio prestado por la institución.

💡Comisión

Una 'Comisión' es una tarifa o cargo que se cobra por ciertos servicios, como la transferencia de fondos o la realización de ciertos tipos de transacciones. En el video, el narrador menciona que 'goto bank' cobra una comisión de 3% mínima de $2 para ciertos tipos de transferencias, lo que es visto como una práctica engañosa por parte del banco.

💡Reembolso

Un 'Reembolso' es el acto de devolver dinero a alguien por un servicio no satisfactorio o por un error. El narrador del video no recibe el reembolso del bono de $100 que esperaba, lo que es un punto central de su queja contra 'goto bank'.

💡Referido

El término 'Referido' se refiere a una persona que es recomendada por otra para unirse a un programa, servicio o compra. En el video, el narrador menciona el programa de referidos de 'goto bank', donde podría ganar hasta $1,500 en comisiones por referir a otras personas, aunque finalmente decide retirar su enlace de referido debido a su mala experiencia.

💡Cliente descontento

Un 'Cliente descontento' es alguien que no está satisfecho con el servicio o producto recibido. El video está lleno de ejemplos de clientes descontentos con 'goto bank', que comparten sus experiencias negativas en los comentarios y en otros sitios web, lo que refleja la insatisfacción general con el banco.

💡Transparencia

La 'Transparencia' se refiere a la claridad y la honestidad en las prácticas de una empresa o en la comunicación con los clientes. El narrador del video critica a 'goto bank' por carecer de transparencia, ya que no cumplió con la promesa del bono y no proporcionó una explicación clara o una solución a su problema.

Highlights

Scammed by GoTo Bank despite being aware of its reputation.

Signed up for a $100 bonus with a $200 direct deposit within 45 days.

The account opening process was extremely easy.

Direct deposit from Chase posted on August 28th.

Did not receive the promised $100 bonus within the 48-hour window.

Customer service was unhelpful and advised to wait.

Attempted to withdraw funds and close the account after not receiving the bonus.

Found it difficult to transfer money out of the account.

Used a debit transaction to empty the account.

Charged a $5 monthly fee without direct deposit.

Concerns about providing sensitive information to customer service.

GoTo Bank's affiliate program cap of $1,500.

GoTo Bank's right to modify or terminate the referral offer at any time.

Lack of recourse for customers despite terms and conditions.

Reviews and complaints about GoTo Bank's practices.

GoTo Bank's parent company, Green Dot, has a history of legal issues.

Green Dot Bank's award as one of the most trustworthy companies questioned.

Instructions on how to close a GoTo Bank account.

Received confirmation of account closure with zero balance.

Transcripts

so today I'm going to talk about how I

was scammed by goto bank I sort of knew

this was going to happen based on the

reviews and the reputation of this

company so I signed up with go to bank

on August 18th I signed up to go to bank

through a referral link that I found on

maximizing money for a $100 new account

bonus when you do a $200 direct deposit

within 45 days and they'll credit the

money within 48 hours so it says here to

earn the $100 bonus you must join via

the current members referral link and

receive a direct deposit of $200 or more

within 45 days of account opening and it

was easy to open the account it's

extremely easy it says even here once

you receive a direct deposit of $200 or

more within 45 days you'll get a $100

bonus deposit to your go-to account

within 48 Hours okay 48 Hours let's look

at that and see so now it's so today is

the day after the 48h hour window here's

my go-to bank account enjoy it while you

can because I'm going to close this

account after this video here's the

account that I have with them if you

click on this this is what you have this

is the account they call it a bank

account although I think that's

questionable so I did the direct deposit

from a Chase business account August

28th ACN August 28th posted so that was

Monday so it posted on Monday then I

also did a transfer from my wealth front

account just to do a little transfer

anyways to see how that worked and that

took I think two days that posted

yesterday so it was Monday the direct

deposit was made Monday I did it on

Friday I think and it posted on Monday

so that was Monday when it posted so by

Wednesday I was waiting for the $100

bonus to post I didn't see it anywhere I

called customer service during the

daytime they said uh oh yeah we see that

you're direct deposit

we see that you have a direct deposit

posted you should be receiving the bonus

just give it some time or something like

that uh I'm not going to fall for that

so after the full 48 Hours went through

last night I waited for this to post

this this just posted yesterday so once

I got the full

$221 I decided I was going to pull out

the money and close the account because

I don't like scammy companies and I

don't like companies that don't do what

they say they're going to do

so I went to the options here for move

money and I thought okay there must be

an option where I can transfer the money

back to my bank account so I I don't

want this direct deposit option so I I

clicked bank transfer select a bank

account to transfer money to your goto

account so when you actually select this

account it only let's say I put an

amount this will only transfer money to

them you can't actually transfer money

out once you're in this account they

trap your money it's once your money is

in this account it's like a trap you

can't get it out the only way you're

going to be able to get it out is via

cash or a debit transaction as far as I

can tell so you have the ATM card you

can go to a machine an ATM machine take

the money out and if you're lucky you

picked the right machine and it works

and it it won't charge you the fee if

you're in the network that's an option

or you can go to Walgreens or CVS and

possibly pay a fee to take out cash or

you can do a debit transaction which is

what I did so I figured the fastest way

of getting the money out without having

to drive around and waste gas was to do

a debit transaction so what I did was I

don't really have anything that I wanted

to spend $200 on so I my utility company

has an option where it can use a credit

debit card and so even though I'm

already paid up I paid you know probably

a couple months more of electric so I

just paid uh I paid $1.75 fee for that

and then I basically used up all the

money and then it it deducted right from

the account right away and then today

I'm going to close the account because

it's the last of the month they will be

charging me a $5 fee probably they're

going to say what they what they do if

you don't have direct deposit they will

charge you a $5 a month fee if you don't

have a direct deposit the previous month

they will charge you a $5 a month fee so

today is August 31st tomorrow is the 1

so I'm guessing that they do the charges

on September 1st so what I'm going to do

today is I'm going to I closed out the

account I have a zero balance so what

I'm going to do is I'm going to call

customer service and I it takes about 30

or 40 minutes to get a hold of anyone

and by the way when you call customer

service guess what they ask for the

system ask for your it asks for the full

number on the ATM card including that

the three-digit number then it also asks

for your mother's maiden name then it

asks for your full Social Security

number so in order to access their their

online system you have to give them your

full social security number and even

when I was speaking with customer

service the guy asked for my social

security number and I I didn't provide

it to him I did provide it to the system

but I'll never provide my social

security number to a a disreputable

company and especially to individuals

because the individual could be working

on their own could be collecting Social

Security numbers on the side uh secretly

getting that information on the side and

then running a scam business on their

own away when they're away from work so

I never give that sort of information

when I can so what other options do they

have they have the bank transfer uh but

they also have a debit card transfer so

you can link your debit card to transfer

money to your go-to bank so you can't

transfer money out so they're even

charging a fee for that a 3% 3% fee for

that minimum $2 so they're making money

all different ways deposit cash now they

charge a fee a lot of these places will

charge a fee to deposit cash too like if

you go to Walmart or the retailers will

charge a fee retail service $4.95 or

less by retailer the main reason I

signed up for this was because it

sounded like a quick $100 I knew this

was an awful product to begin with and

it had awful ratings but the idea of

getting $100 within a couple days don't

forget to press like button share and

subscribe and the affiliate program seem

pretty decent so this affiliate program

has a cap of $1,500 so I had a walfront

one that was only like four referrals

and it tapped out at like

$120 and then I've got a lot of other

ones where they only give you like you

know $500 of referrals this one gives

you up to $1,500 in referrals so the

idea that I I could actually refer

people they could get a $100 bonus and I

would get you know up to

$1,500 seemed like a decent thing even

though the product is really awful so it

says here the qualifying deposit must be

made by the referred individuals

employer payroll provider government

benefits unemployment benefits by the AC

payer by an a deposit this is the thing

about bonuses that I really hate so goto

Bank Reserves the right to cancel or

modify the terms of the referral offer

or terminate the members eligibility at

any time with or without prior notice so

do I have any sort of recourse here if I

file a complaint with the Consumer

Financial Protection Bureau or the

Better Business Bureau I've seen

somebody before they had a legitimate

employer Direct Deposit they filed a

complaint with the Consumer Financial

Protection Bureau and they said they

ultimately cided with goto bank and I

think this is the reason we're not

talking about your money this is a bonus

that the company's paying they're free

to willy-nilly pay it as they want to or

refuse it as they want to even if you

have a legitimate Direct Deposit they

can deny it and they can be within their

legal right to do so according to this

so I don't think there's any any sort of

thing that protects when you have this

in your terms I mean they can pretty

much do what they want I mean they're

basically the dictator now it says right

here here we go the reward is paid to

each party within 48 hours after

qualifying funds are first deposited

into the referred new account well

today's Thursday it's not there so they

weren't honest with that so I'm going to

close this account now I did do a video

where I've got you know potentially

people that are going to be doing

referrals on this so I'm actually going

to remove that link and I'll post uh

maybe a link to this video telling

people why they shouldn't sign up for

this

company how did I know this was sort of

going to happen well I read the reviews

when I went to the maximizing money

review they actually have a warning

there so if we go down here right here

warning warning about go to Bank

referral program unfortunately go to

bank does not seem to be honoring the

referral bonuses for new customers who

meet the qualifications so we cannot

confirm that you will definitely receive

the bonus payout if you meet the

qualifications please proceed at your

own risk okay so that's that's how I

knew we've contacted goto Bank about

these are recurrences and the customer

service has not been helpful in regards

to honoring the referral program so yeah

the same thing as I did whenever I asked

a a technical question it sort of fell

on deaf ears and then I just sort of

knew that I wasn't dealing with anybody

they could answer my questions and I and

I ended the call so if we actually

scroll down we can we can see in the

comments there's more people here this

is where the good stuff is these are the

real people I absolutely hate this card

and have been trying for a week to

activate my new go-to card this is the

most ridiculous debit card I've ever

tried to use I can't get this card

activated for nothing if I cancel the

card now how how do I get my money here

we go this was September 2021 I used

your link did the $200 direct deposit

employer payroll and still did not

receive the bonus now when I inquire

about it they told me I have to have the

person who referred me contact them

because I need they need to verify me

and my referrer so I I don't want to

deal with that and this is not the first

time I've heard that they'll actually

ask the name of the person and that

basically allows them to cheat you out

of the referral if they were going to do

this and ask for verification guess what

they should have contacted me via phone

or email and said yesterday or the day

before give me the name of your referral

give me the name of the person that you

signed up with but they didn't so that

tells me they're just looking to scam

people out of their money I signed up

and had a direct deposit of 300 plus and

didn't receive the bonus I just called

and was told that the department isn't

open till

Monday so that was maximizing money but

there's also other places trust pilot

let's see what they say 1.3 not very

good this card is a scam after using the

card and seeing the high fees for adding

money in the fact they also charge you a

service fee monthly I decided I didn't

want the card I canceled the card

several months mon ago and now I'm

getting emails about checking my account

they've still been charging me a monthly

fee you can't speak to anyone unless you

have a card number when I canceled the

card I cut it up and discarded it they

can add up all the service fees I want I

will not be paying them so I think in

regard to that I will be sending them a

I will be sending them an email uh

canceling the account and that way I'll

have a record of it in addition so I'll

be able to follow up on it I'll have the

email record to know when I when I did

the call and everything

still fighting for my money after almost

four weeks I finally received my new

debit card in the mail I used it three

times the following morning I tried to

use the card and received a suspected

fraud result since then I've been unable

to use the card at all they tell me

there's nothing wrong with the card and

I should be able to use it but they're

also saying there's some huge glitch in

their system some technical glitch they

refused to send my money they refused to

send me a type of letter explaining the

reason why I'm unable to pay my storage

fees and my phone bill and other bills

that I have passed due now for a month

nothing in writing no email no letter

explaining the glitch or Reason while

I'm unable to have money transferred

into a different account I am looking to

report them to the OCC or Consumer

Financial

Protection this is appalling how can a

bank get away with such practice will

they're not actually a bank as far as I

know I am on a fixed income and

unfortunately I had my government checks

direct deposit in into goto bank because

I like getting paid early and the

overdraft protection I ended up homeless

a few months ago and had to pay deposits

to stay in hotel rooms quite often wow I

think this may actually be worse than

chime so is goto Bank worse than chime

the monthly fee I think makes it worse

than chime so you're adding they're

adding basically um $60 a year in fees I

would check out go to bank would hold my

deposits from hotels I would Che check

out goto bank would hold my deposits

from hotels for almost 2 weeks sometimes

it would be two two at a time in the

mean times my my bills were coming in

and I had to use the overdraft to cover

them I was charged $15 in fees for the

week some were three in one day and my

overdraft is suspended goto bank is so

greedy and does not care about its

customers there you have it I mean I

think that sums it up pretty well too

many fees another thing I've read uh one

person was saying they did Direct direct

deposits every month and then uh some

months they most months they wouldn't

have a fee but then some months they had

a fee so they weren't they were still

denying those direct deposits from the

employer goto bank owned by green.

Corporation has permanently locked my

account and refused to refund my money

and refuse access to my account they

were once known as goto bank and lost a

multi-million dollar case lost a

multi-million dollar lawsuit at the same

for the same business practices they

were using at goto bank they have

learned nothing from their Court loss

often other than to change their name

question mark I have filed a complaint

with the Better Business Bureau and

filed a complaint with the attorney

general and doj seek legal remedy I

deposited my money and I can't get my

money back they keep telling me to wait

1 hour or two hours and then the same

issue pending refunds they will remove

them whenever they want without getting

the refund plus it takes forever they

have lost over $500 of my money this

last time and over 700 another time I

will not use them anymore and recommend

that no one else use them either their

customer service is a joke unbelievable

thieves I don't think I found a single

positive review out of all these locked

my account permanently for no reason

they said they aren't required to give a

reason except for suspicious activity

there we go there's the suspicious

activity scam the suspicious activity

Bank scam is seems to be rampant and

companies are taking advantage of it

companies like chime companies like Vero

companies like current stay away I've

had nothing but issues with this Bank

since I've opened this account I had my

direct deposit and they locked my

account and made a zero balance and said

your account is locked due to suspicious

activity first first of all they won't

tell me what and put it back in the

account so why am I reactivating my card

I told the bank manager I was closing

the account later on I got home to work

anded tried to log into the account and

it kept saying too many attempts so I

fin she made the mistake of telling them

she was closing the account while the

while it still had funds in it and then

trying to get access and so then they

locked her account I had 150 total went

to ATM to withdraw A40 plus $3 fee for

my remaining balance there you go

there's their money $3 fee was $4 on my

card I'm glad I found out before it was

too late I ain't I ain't never seen such

a fraudulent business scam in my life

and then she's got some explosives here

go Bank go to bank that was August 4 so

that's a recent one this one's June 22nd

of this year the only plus is I can pay

to load it load within walking distance

but the list of annoyances an ad adum I

don't know what that word is adium got a

card from the store money stolen wow

goto Bank locked my account 31 days ago

and refuses to give me my money balance

of 16 holy cow

$16,000 I've sent verification and they

said it did not pass it was a valid

license sounds like chime to me the

government needs to do something about

this this is an ongoing problem and it's

not scams committed by Outsiders it

scams it's a scam it's a fraud committed

by the bank itself or the fintech itself

oh here's a positive review this is the

only one I've seen so far this must be a

paid one this sounds like an ad $200

overdraft protection they are part of

green

do.com I would highly recommend this

online banking service for everyone this

sounds like an ad to me I have almost

$4,000 in my go-to bank account and they

locked it for suspicious activity they

told me to take pictures of the front

and back of my ID there we go there's

that scam again the driver's license

suspicious activity scam this type of

account in order to earn interest you

actually have to move the money into a

separate account or like a separate pods

so you have to click here where it says

start saving now you have to set up they

call it a vault set up a vault to start

saving today a vault is where you can

stash money separate from your available

balance like I said the the opportunity

the only way to make this scam really

profitable is to have one sort of pod

where they can get interest free money

from customers that they scam at zerar

so they can get basically a$0 loan and

then the other one that draws interest

that's basically Market marting promo

for customers to sign up with and when

the new direct deposits go in they're

going to go in the one that gets zero

and then they can lock the account and

get the money or when they lock the

account they can that way when they lock

the account they're going to be able to

get that access to that money and not

have to pay interest on it so if I hit

get started here you see it says um I

have to actually add money and then set

up a vault I didn't set up a vault ahead

of time so I'm getting nothing on it

that's another way they scam you so this

is what I've noticed so wfront cash

account on its own for seems like it

could be scammy like this however it

doesn't have a two-tier account system

it doesn't have a separate checking from

the savings it's a unified account that

means the scam is not going to be

profitable and that's why you don't have

those problems with wealth front cash

account even though they're using green.

bank which is an awful Bank they're

using green do bank so I I sort of asked

myself this question a while ago why is

wealth front not scammy why is front

cash account not scammy like those other

three Vero chime go to bank why are they

not scammy like them because this is

also a fintech and they're also using

green. bank but if if we actually scroll

down I think it's okay here it says

we've partnered with Greenbank the

checking features offered on your

wealthfront cash account are provided by

and the wealthfront Visa debit card is

issued by Greenbank member FDIC checking

features for the cash account are sub

subject to identity verification by

Greenbank and the wfront Visa debit card

is optional and must be requested wfront

products and services are not provided

by Green do bank it's a little

conflicting so I thought it sounded like

the green do bank is actually doing the

service the checking services but now it

say it says wfront products and services

are not provided by Green do Bank

Greenbank operates under the following

registered Trade names go to bank go

bank and bonnaville Bank all of these

registered names are used by and refer

to a single FDIC insured Bank green.

bank so there you have it so the fact

that Greenbank is associated with the

wealthfront cash account you know made

me think okay it's going to be scammy

but I haven't had any issues and when

you look at the complaints if you look

at the reviews for wealth R there's only

11 reviews so it says poor but hardly

anyone's complaining beware this was

company blocked my account worst

Investment company uh but you're talking

about billions of dollars and you've

only got 11 complaints on here decent

new partnership is not good well this

was from 2020 a lot of people are not

happy that they use green. Bank new

partnership with green. bank is not good

so you're actually seeing some good mix

with the bad whereas when it's an actual

scam company like chime or Vero or some

of the other fexs this is you know going

to be 30 or 40 pages long with all kinds

of people complain this is only 11

people complaining so you know you would

look at this you would think they they

don't have hardly any customers but I

think it's just uh people aren't having

that many issues with the wealth front

and this is their whole business here

mostly this is the investment and people

complaining about the bank portion so

not too

bad I received a little bit of

conflicting information when I search

for close account I see how do I close

my goto Bank secured credit card now I

believe this may be a different product

than the goto to bank account that I

have this one says call customer service

to close your account however I found

another place that says how to close

your account to close your account log

into the goto Bank app and select menu

manage cards and close your account or

log into your account at go to bank and

select if you still have money in your

account you have three options when

closing your account online or through

the app spend down the balance to zero

use the card to make purchases in store

and online for ATM withdrawals pick up

cash if your balance is at least

$22.50 use a bar code generated through

the gobank app or gobank.com to pick up

cash at Walmart $2.50 to $5 service fee

applies and will be deducted from your

balance get a refund check this is

probably the one you're least likely to

get the check will be sent to your

address within 14 days of closing the

account well that's probably never going

to happen 14 days they said I would get

the money in 48 hours I never got it

your account will automatically close

when your balance reaches zero once you

close your account you can view the

account statements and history at go to

bank or in the app now that I Clos my

account it's your account is now closed

you will be able to access transaction

history so you can see I have a zero

balance and I actually clicked to lock

the card first and I closed it so I

should be good okay also I have an email

your goto bank account has been closed

closed zero balance and it's closed your

debit card will no longer be active and

cannot be used to make purchases I

noticed that Greenbank has been bragging

about having this particular award and

they have it prominently displayed on

their website it says most trustworthy

companies in America Newsweek

statista

2023 Newsweek named Green Dot one of

2023 is most trustworthy companies in

the US wow it's not April 1st is it it

so I actually looked into this a little

bit I went to the website and I was

thinking only the most exclusive

companies get this award right so you

would think you know maybe there's three

companies that are winning this right

guess how many companies were awarded

this award three four five try

700 there were 700 Award winners 700

companies were awarded this award so

this is basically meaningless and guess

how many people they had they did a pool

of 25,00 people a survey and not all of

them were even customers as far as I

know not all of them were customers some

of them if they were customers they gave

it a higher waiting but they're asking

them questions like how they feel about

something and you want to see real

customers you go to the reviews you go

to the comments that's where you see the

real reviews and they're horrible here's

the statements say ask I trust this

company to treat me fairly as a customer

okay so right there I think they would

fail I believe this company offers good

opportunities for for career development

okay that's not really relevant I

believe this company would be a good

long-term investment that's not relevant

either the first one they would

definitely fail at if they actually

asked the customers let's look at the

details of this study this was from

February of 2023 so it's not too old

95,000 evaluations of companies were

submitted so I'm not sure maybe they

selected the ones that were the best

advertisers for Newsweek I I'm not sure

how it worked out but I'm guessing

there's some money in involved in this

sort of thing these guys are probably

all all the 700 winners are probably all

advertisers social listing here's

another one if they actually listen to

what people are saying they would lose

how potential customers view the company

I trust this company's products and

services should I have a complaint as

the customer of this company I trust

that it would be addressed to my full

satisfaction I trust this company's

advertising and Communications claims

wow they failed at all of those now it

says here that they're actually looking

at web articles forums comment sections

I don't think so web articles news

forums social comments press releases

well if they actually read those they

would see that they're all negative and

the company wouldn't get any awards now

if you look at customer trust it's only

40% of the score investor trust and

employee trust is 60% the customer is

not even number one in the study just to

show you how ridiculous the study is so

you're looking at the the number of

companies awarded so they basically

awarded almost all the aerospace

companies three Aerospace Awards 24

Construction Company Awards 47 Energy

company Awards this is ridiculous okay

they didn't even spell this right

insurances there's there's no such word

as far as I know that's how much

attention to detail they play 35

companies so they basically selected

every insurance company and Banks 37

Banks were awarded by the way their

ranking is pretty bogus so they have

axos bank is number three which it

definitely should not be number three

this is industry

rank they put all these Banks most of

them I've never even used they have JP

Morgan all the way at number 15 they put

Green Dot the industry rank at 31 I

think that's being pretty generous so I

guess there were better advertisers out

there and they get a better score than

them by the way if they're actually

reading these news articles they'll see

articles like this more Green Dot Bank

customers say they can't access their

funds this one is only uh a few days old

August

26th from 2017 class action lawsuit

Green Dot Money Card Service disruption

class action settlement here's another

our complaints board two stars for Green

Dot 964 complaints people complaining

about missing money locked accounts

various issues if they would look at

stuff like this they wouldn't get any

awards thanks for watching Has anyone

used green. bank or goto Bank please

comment below and also don't forget to

press that like button and

subscribe