myWisely: Mobile Banking

As a new security feature, wisely declines transactions and then sends you a text message asking if this is you, before the transaction can be tried again and approved. While this isn’t necessarily a bad feature it’s certainly ANNOYING. Every single purchase I make is declined first before I can actually make the purchase! Rent? DECLINED. I get a text asking if it’s me I say yes and then try again. Sending money through Apple Pay? DECLINED first before I am able to money. Childcare expenses? DECLINED. Everything is DECLINED under the pretense of “suspicious activity” even though these are my normal expenses. I tried reaching out twice to customer service to see if this could be resolved. I wanted to know if this was a feature I could potentially turn off. If not I wanted to know how long it’d take for my purchasing habits to be learned before I would see a decrease in card declines. I was basically told to just continue what I’ve been doing, get the message and respond yes and re-try my purchases. But that’s just wildly inconvenient to have every purchase denied first before I can make the purchase. And I haven’t traveled out of state or anything. Basic bills and necessities denied consistently is ridiculous. I will not be using this for much longer.

If I can put 0 stars I would. Wisley is by far the worse company I’ve ever been with. I tired to cash a check with them and I took the pictures of front and the bank of the check and waited maybe 5 mins to get anything saying it was approved and i paid to have it done within minutes for a fee finally after my screen being frozen for the 5 mins I get an email saying “ Funds Pending! Action is required to release your approved check funds The check you recently submitted was approved for funding pending receipt of your voided check image. If you have not already submitted your voided check image, you must: Write “VOID” boldly in large letters across the entire front of your check in blue or black ink (no pencil), as pictured below.” I then followed the instructions because it stated “the check you recently submitted was approved” so I wrote void on check then went bck on the app only for them to tell me “ We're sorry. There was an error loading your account. Your check has not been loaded. Decline Reason: Your account issuer may not have enabled this functionality for your account. Please contact your account issuer for help in resolving this issue.” I’ve already wrote void on the check so atp I have a useless check, bills need to be paid and all wisley supervisor told me is call a place call “ingo” that I never heard nor dealt with abt cashing my check. The supervisor was completely worthless and not helpful at all so thanks wisley for putting me in a financial hardship. I wouldn’t recommend them what so ever!!!!!!!

I put in a dispute because someone overcharged me and the lady I talk to misunderstand me. This led to them dis activating my card WITHOUT telling me that they were doing it. I went to go use my card today and it wasn’t working and I had no idea why. We’ll come to find out after messaging like 7 people calling 4 more that I have to get an entirely new card because they can’t reactivate my card. Something needs to change. I was also giving misinformation by one of the agents that if i canceled the dispute that they could unlock my card. I now have to wait 7-10 DAYS or pay $24 to get a new card tm. This is absolutely ridiculous. First, you should notify people if you lock their card, especially because you don’t know that it was them in their account, there could be others that have access to those things. Second, you should make it so people are able to get their cards to work after something like this because I don’t have time to wait for a new card. I am a very busy person and don’t really have time to not be able to use my card. How am I supposed to eat? I don’t carry cash because I get paid through this app and there aren’t any ATMs near me to get it out. This needs to change. I do however really like this card and like that I can save things in labeled envelopes and see how much money I have at any given time. I also like that I can see exactly where I spent my money whenever I would like to.