Walmart MASTERCARD Consumer Reviews

Worst customer service, charges are being made without any order placed. I have been wrongly charged twice and nothing was done about it. Called the customer service and no help, they were very rude.

I have been a customer of Walmart rewards Mastercard since 2014. I made a purchase of a plane ticket from Ottawa to BC and then BC to Seattle from Air Canada through a third party website using my Walmart rewards Mastercard on October 15, 2023. One of the two tickets was successfully paid for, but the other was blocked by the system due to irregular payment transactions. I then called Walmart customer service to inquire and was told by an employee that multiple transactions showed up on the system in the amounts of $695, $609, $709.98, $695.10, $695.90, $709.18 and $905.98, and many more, which led to the second transaction to be blocked. I was alarmed by the multiple transactions that I did not recognize so requested that all transactions be cancelled including the initial payment that was accepted. Kelly confirmed that this was done successfully, and I had no outstanding payments from the airline.

However, on November 13, 2023, I received a statement from Walmart rewards mastercard asking for a payment of $608.34 for a flight ticket from Air Canada dated October 17, 2023. I called Walmart customer service and spent about 4 hours trying to get through to the right person. I was transferred to more than 5 employees and then ended up being redirected to the first employee I spoke with. I felt that I was being played and they did not care about trying to help resolve my problem. I was finally transferred to the dispute department and was told that a dispute form will be mailed to me. On November 17, 2023, I called customer service again to inform them that I have paid the total amount on the most recent statement minus the $608.34 since the initial transaction should have been cancelled. I mailed the dispute form soon after.

On January 31, 2024, I made my last payment to Walmart rewards Mastercard, again excluding the $608.34, while waiting for outcome from the dispute. Since then, I did not receive any additional communication from Walmart and was unable to log into my online account. on May 21, 2024, I received a letter in the mail from the collections division stating that my payment was severely overdue and immediate action was required. I had to call Walmart to finally be able to log into my online account and saw that the amount owing has now been written off and transferred to collections division. I was told by the collections division that I now owed $726.89 due to interests, and they redirected me to Walmart dispute department. I then called Walmart again on June 14, 2024, and spoke to an employee who told me that they never received my dispute form and hence the case is closed and there is nothing further they can do. I asked for another dispute form to be mailed to me, but this employee refused and disconnected the call.

I’m very frustrated with the whole process and lack of support from Walmart customer service. Having been a loyal customer since 2014 and having never missed a payment otherwise, this kind of treatment from Walmart is very disappointing. I’m posting this here to hopefully get some resolution without resorting to legal means.

There are numerous fraudulent purchases on this card. Upon activating your account, you'll incur unexpected insurance fees monthly, stemming from purchases you're unaware of. Even if you make calls to cancel all of them, all of them will automatically recur again in the next year. They won't rebate your account balance for these charges, leaving you to cover the bill yourself or risk damaging your credit. Instead, they routinely issue new cards with supposedly rebated balances, which often isn't the case upon account inspection after card receipt. Regarding customer service, they always fail to address customer issues, employing convoluted language to create further complications rather than offering straightforward solutions.

It was part of my own principle to pay back immediately the amout used on my rewards card. However, there was a proven scam that someone had used my card to buy a subcription for a video game and that also in US dollars. this occurred last year in 2023 around the month of November and yet the matter is not fully resolved. I am still getting letters to pay off the amount I have been scammed!

No one should apply it anyway. It has the worst security system and the worst customer service. Two years ago I discovered 3 fraudulent transactions. I contacted customer service six times and they kept asking me to contact the store directly or I had to pay. I wrote a letter to complain, and they canceled the bill. One year after canceling the account, I kept receiving email alerts that someone changed my phone number. After the complaint, the matter was processed. Yesterday, someone changed it again.

Customers service does not do what they say. Security department does not function the way it is supposedly have to.
I have been waiting for my card cancelation, refund and new card for over three months. Called them 4 to 5 times, every time promise and issuance is given with no results.
Customers service reps do not have clear English as well.

I have been put through hell and back with the security team over the last few months. It took everything out of me to deal with a fraud charge of $500 dollars. (Charge From the USA, and I live in Canada). Originally they removed the charge and said they will investigate it. 2 months later they called me back saying they regret to inform me that I am responsible for paying the charge. Anyone I tell this story to says how fishy it is and that it’s not right. I don’t appreciate how the security dealt with it. She was not helpful at all. I spoke with the supervisor who was actually really nice but I’m still upset about the whole situation. Their investigation sounds completely made up and I do not trust them at all. I paid the remaining balance on my credit card and cancelled my account with them. They didn’t fight for me to stay or anything. I’ve been with them for a few years and have an incredible credit score. It’s so sad how they treat their loyal customers. I have so much to say. But please do not go with this company. I was able to get a new credit card with a popular company and I feel safe about it. When I checked the reviews for Walmart MasterCard I noticed people have had a similar experience so I realize this is an ongoing issue. I wish I checked the reviews before I even applied for this card. Thanks for reading my review and I hope it can help someone.

DO NOT USE THIS CARD.

My 83 year old aunt used the card 2-3x per months for the last 10 years. Only 1 pre-auth. Someone called Mastercard and got a new card with her name and a different number and bought 12k in gift cards (and 1 gas and McD's) in just over 4 weeks.

Walmart sent it to collections and would not even listen to us when we called to deal with. They told us "not our problem" Their fraud systems should have picked up dozens of gift cards which was not her pattern.

Dealing with police now. Wasted hours...

I've had this credit card for 6 weeks & the system has automatically blocked it twice. It seems that anytime you try to use this outside of an actual Walmart store, it blocks it. And OMG, getting it unblocked is a friggin nightmare with customer service. Be prepared to have to make multiple phone calls & speak to several agents before they are able to figure this out. And then of course, it will block again. I'm done with this ridiculous company. My card is cut up & in the trash can where it belongs.

I had Walmart reward card for years. It was Ok at the beginning as you can use the cash-back money to shop at Walmart. Then it was hacked few times. The company increase the month limit to let the card being used continually.

Last year, I used the card in US then the card was blocked for no reason. I paid off the owed money (deducted the rewards amount), but the rewards money didn't count. They kept charging me the interest and phoned me many times. There was never smooth communication with the staff over the phone.

The online service function is terrible. No paperless statement, no text reminders when you make any purchase by the card, and not a safe card to use.