Reviews
This profile includes reviews for SMI Card Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 45 Customer Reviews
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Review fromPerline W
Date: 12/19/2023
1 starPerline W
Date: 12/19/2023
These people are crooks I tried purchasing at store for $18.06 my card was declined for no reason so I contacted customer service and was told the reason it was declined was because they took ************* so you mean to tell me how embarrassing it was to stand in line and get declined for my food because yall been greedy when I had correct amount there neither the less they didn't care thank God a lady was standing in line and paid for my items thank you God after trying 3 times figure out I totally changed 150 cent this is sad and embarrassing They care nothing about their clients
SMI Card Services, LLC
Date: 12/27/2023
Thank you for reaching out to smiONE. We looked into the cause of the declines you described and have been trying to reach you at the phone number on file to share some information with you.
The ******* Platinum smiONE **** Debit Card is a pre-paid card with no available line of credit or overdraft services. At the time of the first attempt for $18.06, the available balance was $18.03. For this reason,the card was declined several times for insufficient funds. As outlined in the Cardholder Agreement, the associated fees were assessed to your account balance for these declines. As a one-time courtesy, we have refunded these fees to your account.
To avoid future occurrences, wed like to recommend enrolling in our free alerts for on- the- go and up- to- date balance and transaction information. You can enroll by visiting our website or by contact **************** at your convenience. For more information on using your smiONE Card and a listing of fees that you may be subject to, please refer to the smiONE Card Cardholder Agreement sections titled Loading and Using the Cardand Fee Schedule.
If have any questions about your smiONE card account or wish to discuss your concerns further, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****, **********, ** *****.
We look forward to hearing from you again!
Sincerely,
The smiONE Team
Review fromLi C
Date: 12/16/2023
1 starLi C
Date: 12/16/2023
It is always some bull with this lackluster company and as someone who is **** and can't hear on the phone their email customer portal is also a joke. First card never worked anywhere except exactly 3 stores, but they charge you for a new card so I had to wait that bs out a year. During which, I was charged for something I didn't order/get and instead of refund no, they shut the card off with no financial access to MY MONEY for two weeks. Now I was overcharged on my new card yesterday shopping in a store and refunded by the clerk in the store right away, but according to the Smione message system the refund "transaction" was declined. YET they allowed two purchases in the same store go through when it was ONE purchase and a refund situation.SMI Card Services, LLC
Date: 12/22/2023
Your feedback is greatly appreciated. smiONE is constantly striving to improve our services and we would love a chance to speak with you to learn more about your experience. At your convenience, please give us a call using the relay service of your choosing.
A detailed review of your account was conducted, and we have some information wed like to share with you. We reviewed the first three years of your account history and located only one declined transaction that took place at a local gas station. This decline was caused by the transaction being attempted at the pump, which is not a supported use of the ******* Platinum smiONE Visa Prepaid Card.
Regarding the more recent experience you described, our records show the merchant processed 2 transactions, attempted a refund, and then processed a 3rd transaction on December 15, 2023. The failed refund was caused by entry of the incorrect expiration date. Fortunately, the merchant was able to successfully process this refund on December 17, 2023.
If you have any questions about your smiONE card or wish to discuss your concerns in greater detail, our **************** Agents are available 24 hours a day at **************. You can also write to ** at P.O.Box ****, **********, ** *****.
We appreciate your business and look forward to serving you in the future!
Sincerely,
The smiONE Team
Review fromCfff C
Date: 11/12/2023
1 starCfff C
Date: 11/12/2023
Card doesn't work at any place. I have money on my card and can't spend it when I need it. When I reported it to customer service a ****** woman answered the phone and was very uncooperative. She said that they didn't work with the companies but Smione says they are supposed to work wherever **** is accepted. It makes things very hard for me and others who can't use the money to take care of bills and other needs as it was intended.SMI Card Services, LLC
Date: 11/14/2023
smiONE truly values your feedback and we appreciate the chance to learn how we can better improve our services. We have been trying to reach you to discuss your concerns and to share some additional information with you. Unfortunately, our agent has not been able to connect with you.If you would like to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****, **********, ** 30112.We look forward to serving you in the future!Sincerely,The smiONE TeamReview fromCourtney C
Date: 10/10/2023
1 starCourtney C
Date: 10/10/2023
I had unauthorized charges on my account for over $400.00. I've been credited back from my other 3 accounts that were compromised but this company has absolutely refused to refund my money. I've contacted the company that the charges were from and they stated that the charges should have been refunded but due to the dispute I have to get it from SMI card services. They have made every excuse to not refund my money. This is unacceptable and after searching online, I've seen this is a major issue with this company. I've got emails that state the charges were canceled from the company, yet I'm still waiting on my money. Please hold these people responsible!SMI Card Services, LLC
Date: 10/13/2023
Thank you for your valuable feedback. smiONE recognizes that the dispute process can sometimes be a frustrating experience. We apologize for the inconvenience and appreciate your patience as we looked into your concerns.
Our records show that a dispute was initiated on your behalf on August 24, 2023. During the chargeback process, the merchant submitted documentation to support the legitimacy of the transactions. At your request, the final ruling was appealed. On September 25, 2023, this appeal finalized and the previous ruling was upheld. You were notified of our findings and sent the investigation documents via email the same day.
An in-depth review of your account has been conducted and due to compelling evidence from the merchant, the dispute outcome will remain the same. If you have any more questions about the final resolution or the investigation documents sent to you, please don't hesitate to contact the smiONE Dispute Team. We're here to help you Monday through Friday from 7:00 AM to 7:00 PM CST/8:00 AM to 8:00 PM EST.
If you have additional questions about your smiONE card account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. You can also write to ** at P.O.Box ****, **********, ** 30112.
Sincerely,
The smiONE Team
Review fromBetsie A
Date: 09/22/2023
1 starBetsie A
Date: 09/22/2023
I've never encountered such incompetence when dealing with a credit card company. I'm currently in the hospital and asked my husband to take care of the replacement credit card that we NEVER received. He was on the account, so I figured it wouldn't be a problem. They told him he was never on the account and canceled my new card that I paid expedited shipping for. These people are frauds, and I'm currently working on reporting them to the BBB. Now, I don't have access to a card that I've literally waited over a month for and these idiots are demanding two forms of identification for a fuckup they caused.SMI Card Services, LLC
Date: 09/28/2023
Thank you for sharing your experience with smiONE. We always appreciate the chance to learn how we can better improve our services. We looked into the restricted access to your account and have some information to share with you that *** alleviate your concerns.During several recent calls, red flags were raised with the identity of the individual attempting to gain access to your card account. ********************** is committed to protecting our customers from fraud and to safeguard your card account, the card was temporarily blocked, and additional verification was requested. On September 28, 2023, we came up with an alternative solution and reached out to you directly to resolve your concerns. Again, we apologize for the inconvenience and appreciate your patience while we worked to ensure your card account was secure.If you wish to discuss your concerns in greater detail or have any questions about your smiONE card account, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****, **********, ** *****. We look forward to serving you in the future!Sincerely,The smiONE TeamReview fromKim A
Date: 08/17/2023
1 starKim A
Date: 08/17/2023
Couldn't activate my card on the internet so I had to call at least maybe 10 times before could get talk to someone and than it kept saying enter your 16 digit card number this company is a waste of time if I could give it a rating of zero stars I wouldSMI Card Services, LLC
Date: 08/23/2023
We value your feedback and appreciate you taking the time to share your recent experience.We looked into the difficulty you shared regarding the activation of your smiONE card and have some information to share with you.
Our records show that you contacted customer service on August 16, 2023, to activate a new card. The agent successfully activated the card on your behalf and explained how to set up a new PIN through the automated system. The automated system is sensitive to background noise. Excessive background noise can cause the system difficulty deciphering your touch tone entries. After looking into your concerns, one of our agents reached out to you and provided troubleshooting recommendations.
If you have additional questions about your smiONE card account or want to discuss your concerns further, our agents are available 24 hours a day at **************.You can also write to ** at P.O. Box ****, **********, ** 30112.
Sincerely,
The smiONE Team
Review fromJennifer D
Date: 08/10/2023
1 starJennifer D
Date: 08/10/2023
They are a bad company they requested my card as stolen.When I didn't even request it stolen.??They give me the run around for 3 days and I sent in my photo ID and they keep playing games .I haven't been able to access my money for days.Very bad company to use!SMI Card Services, LLC
Date: 08/18/2023
smiONE strives to provide an exceptional customer experience for all our customers and we appreciate you taking the time to bring this to our attention. We looked into the restricted access to your account and have some information to share with you that *** alleviate your concerns.
smiONE is committed to protecting our customers from fraud. On August 6, 2023, our fraud monitoring system detected a new, unverified phone number that was recently added to your account profile. As a precaution, your smiONE card was temporarily blocked and you were contacted via email. On August 11, 2023, you completed the necessary steps to help us ensure that your account was secure. At that time, the temporary block was removed from your card account.
We understand this can be a trying experience and we apologize for the inconvenience you endured while we took care of this matter. If you wish to discuss your concerns in greater detail or have any questions about your smiONE card account, our agents are available 24 hours a day at **************.You can also write to ** at P.O. Box ****, **********, ** 30112.
We look forward to serving you in the future!
Sincerely,
The smiONE Team
Review fromalyssa s
Date: 07/27/2023
1 staralyssa s
Date: 07/27/2023
STAY AWAY FROM THIS COMPANY AT ALL COSTS, Absolute Terrible Terrible customer service. Rude and incompetent employees that legitimately laugh at you. I needed statements to apply for financial assistance so that I did not get evicted. **** had me on the phone for an hour talking about things to do in the future instead of helping me. Then proceeded to laugh at my situation when I explained urgency. When she finally put me on hold to speak to her supervisor, she kept increasing the volume on the hold music to make hang up. After 2 hours of arguing with the same person the supervisor REFUSED to speak with me. Was not able to get what I needed after hours of having to be upset on the phone and no response from supervisor. I have never been so angry over a phone call in my life. On top of that I constantly have to recreate accounts and call for a password change to even access my account online. Horrible Horrible HorribleSMI Card Services, LLC
Date: 08/04/2023
smiONE truly values your feedback and we appreciate the chance to learn how we can better improve our services. We have been trying to reach you to discuss your concerns and to share some additional information with you. Unfortunately, our agent has not been able to connect with you.If you would like to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****, **********, ** 30112.We look forward to serving you in the future!Sincerely,The smiONE TeamReview fromHeather S
Date: 07/22/2023
1 starHeather S
Date: 07/22/2023
Stay away. Do whatever you can to avoid business with this company. I have had nothing but issues with this card and dealing with customer service is laughable. Each time there's a different answer, different limits, different usage guidelines. They literally say anything to get you off the phone. When I asked to speak to a supervisor, the representative informed me she would have to ask the supervisor if they were willing to accept my call. I have been unable to purchase a needed vehicle because there is absolutely no way to aquire enough of my own money from this card and they don't allow large purchases either. I was told I could continue to transfer or ATM every day until I could accrue enough of my own money to make a purchase, or I can close my account and wait for a check to come through the mail. How can I possibly trust them sending a check in the mail, or have any idea if the time frame on that, when they can't even process simple daily transactions?!? This is day four that I will have to call and attempt to have my card made available for use. Every day I try to use it as they have said and every day it is not functional. Most times they tell me it's locked due to a fraud alert because I attempted to transfer funds into the same account I have transferred funds into, in my name, many times. I even sat at the bank on the phone with them and my banker attempted to have a transfer done directly. No. Also not permitted. It is sad that so many marginalized, struggling people have to deal with this type of business conduct due to child support services contracting with smione. Then again, it's likely why smione feels entitled to treat their customers the way they do.SMI Card Services, LLC
Date: 07/31/2023
smiONE truly values your candid feedback and we appreciate the chance to learn how we can better improve our services. We have been trying to reach you to discuss your concerns and to share some additional information with you. Unfortunately, our agent has not been able to connect with you. After reviewing the account and the information included in your customer review, we believe your needs would best be met with an over-the-counter cash advance at a local bank of your choosing. For more information on over-the-counter cash advances, please dont hesitate to reach out to the smiONE *************** To learn more about the user guidelines and velocity limits associated with your smiONE card, you can access the Cardholder Agreement anytime by logging in at www.smionecard.com or the Platinum smiONE mobile app. If you wish to have a hard copy of the Cardholder Agreement mailed to you at no cost, or to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****, **********, ** *****. We look forward to serving you in the future!Sincerely,The smiONE TeamReview fromKyun hee C
Date: 05/26/2023
5 starsKyun hee C
Date: 05/26/2023
I'm giving 5 because Miss ********'s help today was such a blessing in so many more ways than one. She was so very patient, thorough and kind. This is the first customer service call in a very long time that I was completely satisfied. By the end of the call I wasn't even concerned whether about the outcome of the issue I was just so impressed with Miss ******** and how she handled everything going above and beyond I almost cried. Thank you young lady.SMI Card Services, LLC
Date: 06/16/2023
We truly appreciate your kind words. smiONE strives to provide an exceptional customer experience for all of our customers. We are delighted that you were pleased with the services of our agent and took the liberty of sharing your feedback with her.
If we can be of further assistance, please do not hesitate to reach out to the smiONE *************** You can call ** at ************** or write to ** at P.O. Box ****, **********, ** 30112.
We look forward to serving you in the future!
Sincerely,
The smiONE Team
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