<prompt> Human: Several years ago, 2011, I began working for a company that paid via direct deposit. At the time I did not have a checking account and opted to receive my pay on a Walmart Money card, it was cheap and had no fees for use as long as I had deposits of 1000 or more a month, which I would. In the intervening years I did open a bank account but I continued to use the Walmart Money Card for daily incidentals. This March I noticed three fraudulent charges on my Walmart debit card. Called the customer service number on my card and followed all the instructions to dispute the charges. My card was deactivated, and a new one was sent to me. It took ten days but the charges were reversed and the money redeposited to my account. All was good, or so I thought; two weeks ago, boom, two more fraudulent charges show up. Both from the same area as the previous charges. WTF? how did they get my new card number? I had old number for a long time, so maybe it had been skimmed somewhere, or more likely someone I had purchased from online had been compromised, but the new card had just been issued and I had not even used it online yet. I could not comprehend how the new card had been compromised so fast. So back to the phone, I follow the dispute procedure a second time and a second new card is sent out.I get the new card and go to activate it and the website says my card is locked and I need to send a photo ID for verification. WTF? So I scan and send my DL then it tells me it will take two business days to unlock my account. WTF why does it take two days to look at a ID?Two days later I get an email, my account is unlocked. Woohoo, log in to check my balance. Get another notification on long in, my account is still locked, I must call special phone number to unlock it. WTF? So I call the number. I get a recorded message: My account is being closed for suspicious activity. I will not be allowed to register any more cards under my name or SSN, I will be able to use the remaining balance on the card but I will not be allowed to make any more deposits and any direct deposits and transfers will be declined. WTF, my payroll is due to be deposited the next day. After several phone calls that are answered by people to who English is a second language, I get nowhere, no answers why, no way to reactivate the card. Once the decision is made to close the account thats it, there is no disputing it, or even being told exactly why. I called my companys payroll department and learned that it was too late to stop the deposit, it had already been run.Of course, the next day there is no payroll deposit on my card. Another call to my payroll department confirmed that the deposit had not shown up as refused, but in cases like this it could take up to 15 days for the deposit to bounce back, if it did at all. WTF???To shorten the story, phone calls to the card service number, went nowhere, and as far as my companys payroll department could see the money had been sent. Finally, a week after payday, I get an email from payroll, the money has finally showed back up. They can now deposit it to my bank account. Through all this I have learned that there are multiple complaints of people reporting unauthorized charges on their Walmart Money Card, even brand new ones that have never been used. There is a growing suspicion that Green Dot Bank itself may have been compromised as many of the unauthorized charges done within a few miles of the Green Dot Corporate office. Please stay away from the Walmart Money Card. I was lucky I had the funds to survive a missed paycheck, and I got my money back, many people do not. This has left a very bad taste in my mouth and I will never use a prepaid card again.  <response>: Prepaid cards come with a lot fewer protections than debit cards from your bank account or a credit card. Id suggest switching to using a free checking account at a bank and paying with a debit card from now on. Or, if you can handle a credit card and always pay off the balance in full, thats even better. If you get a fraudulent charge on a credit card, its not your money being tied up, its the banks money. 