Onbe
Reviews and Complaints

They operate from business registered in Gibraltar. So hopefully the FSA will deal with this company or at least revoke their license.

I am looking to start a class action against this company and the 7 we have found so far that are linked to them.

I will be posting all addresses of all companies and directors as per companies house soon if this doesn't get resolved to my satisfaction.

I wish we could leave zero stars. I had a gift card from my company with $635.25 remaining on it. Like everyone else, I discovered that it expired in 7 months, instead of an expected 12 months or 5 years or NEVER. What card expires in 7 months?! I contacted the company Prepaid *** Solutions and they didn't even try. They just said there was nothing they could do. What a ridiculous crock of lies. As far as I'm concerned they stole $635.25 from me. Fraud. Shame on them."

I earned a $200 bonus gift card awhile ago with a very short expiration period. I had no end of issues with this company, being locked out of my account numerous times, the card not working for a purchase, and then the balance on the card expired and I had to submit paperwork and pay a fee (I thought it was $15) to reinstate my balance! Every time I called it was a struggle to get anything fixed and now I have been trying to log onto the website for 2 days and cannot access it, keeps coming up unable. What is going on here?

I should have read these reviews, before I decided that it was be SO much easier to have a digital card! I've emailed this company no less than 10 times. Originally, I was told to create an account with my digital token - which I did - but was then able to access my account. When I was finally able to login, my account showed no token present. There is no history available, and my $10 essentially disappeared. Today I was told that it was expired, and the fee to reissue the card would be equal to the funds available. The entire operation is a scam - DO NOT choose a digital card!

I received a 125.00 reward card from a survey I did with *** I called to ask some questions and the customer service reps are rude and totally unprofessional I was speaking to one rep and she said "I can't hear you" so I had to yell in the phone that is so rude of reps to tell you they can't hear you I think its the reps that are hard of hearing I get so tried of these reps telling you they can't hear you give me a break if you can't hear someone turn up the volume on your headset after reading all these reviews about this company I will never deal with this company again!

Worst Prepaid Experience Ever with Onbe, a facade for a dreadful prepaid card service, Prepaid Digital Solutions. Their card expired in just 6 months, shorter than any card I've had, and they wouldn't issue a new one even after an hour on hold with their outsourced customer service. It's disgraceful to use overseas labor for such tasks. Beware of refunds, like from Sure Smile, that may trap you with these cards. I'd give them a zero rating if I could.

This service is a scam. The cards they offer do not work at many retailers online, and they expire very quickly after being issued. Once expired they can be reissued only by sending a mail in form, and paying a $10 fee. They will "not receive" your form the first time you send it every time. After two months an expired card disappears from the leger without a trace, and can not be reissued or even verified as ever having existed. Any company that works with them is likely taking a cut of the money they steal from their customers. Be skeptical of any company that utilizes their service, as they are almost certainly aware of what is going on, and is profiting from it. Two of these companies are L&E research, and Swagbucks.

I've recieved many gift cards via prepaid digital solutions from Capterra, and have NEVER had any issues until misled by a scam site. The team resolved my issue within 24 hours on a SUNDAY! I trust this service, as I redeem many Tango gift cards via Prepaid Digital solutions - the latest was a legit $1,000 gift card and I was able to use ALL the gifted funds 100% legit. No, this isn't paid - I'm a real person, who is extremely tech savvy and very cautious about scam stuff - so it's great to know this company is real and good, and has excellent customer service. If you have issues with this company it's due to the sites you use the card on, not the actual card company, which actually blocks scam sites from charging your card and taking out funds. It's best used on US sites or those with solid SSL certs and a legit web presence, not shady resellers. Honestly, if you follow all the rules (make sure to read the terms and conditions) - normal users shouldn't have any issues - you can have access to your card and funds. If you're worried, just offload to paypal or amazon or something right away... PS - don't try to do refunds, they might get lost, there's no guarantee they won't get blocked by one side or another.

A few months ago, I received a token from their team to redeem a $100 gift card. The email containing the token had ZERO mention of an expiration date. Nowhere in the email did it state that the token expires or contain any legal language about expiration date. I am aware that once you redeem the token, then the actual gift card expires within six months; however, based on their inability to supply sufficient information in their official messaging, I was not aware that the token itself expires as well because they do not mention it anywhere in their email messaging. When something expires, you are obliged to inform the consumer of the exact date and parameters. I wrote to them, provided a screenshot of the email they had sent, and of course it should not come as a surprise that they are now giving me the run-around. They told me I would need to contact Swagbucks, even though the token doesn't come from them but Prepaid Digital Solutions. Then I resent the screenshot again and they said to give their team a call instead, but when I did (several times), I couldn't get through. Withholding important, necessary information about a product is a shady practice and makes me feel like they're trying to scam customers out of their money. This has been a frustrating experience to say the least and if I could, I would leave 0 stars.

A quote from one of their dillusional description of what they are about..."creates engaging payment experiences on behalf of modern brands for consumers, workforces and marketplaces, delivering value beyond currency for all."Total nonsense, positive sounding words and phrases crammed together not to accurately describe what they do, but instead to make their extraordinarily deceitful and knowingly immoral business practices seem admirable. Here is a far more accurate description of their function.We provide tools, strategies, resources, expertise and all levels of management to allow your company to retain a large portion of your assets that you owe, have promised to pay, or have been allocated or offered to entities such as customers, vendors, employees etc... Why are you paying the people you contract with the full amount of what you agreed upon when our alternative payment strategy will allow you to avoid actually paying that amount. If you can promise 100, make deals based on that number but through our multi faceted "unnecessary and deceitful *** run around arrangement" only end up paying half that amount why wouldn't you?I'm sure that morals, integrity, decency, honesty and self respect and the respect of those you interact with don't apply. Consider how egotistical their *** sounds. Highly organized quick change artists. Grifters who fool themselves into believing otherwise.Unnecessary middlemen taking what's owed others and acting like they earned it.

I was issued 8 x £100 vouchers. We managed to use one and was under the impression that as they are cash value they didnt expire. How wrong was we.

We now have 700£ stolen and £100 on a card that no merchant seems to be able to accept the card.

Does anyone have details of the financial government body that deals with shill scam companies in USA.

My work used Virgin Pulse to track healthy behavior.Over the course of the year my wife and I earned points for various things like steps, workout goals, and health checkups . Well she tried to redeemed a *** Gift Card from Virgin Pulse. The *** e-gift card is issued by Prepaid Digital Solutions. Next thing is that Prepaid Digital Solutions sends an email asking for proof to verify identity. First she sent her driver's license as requested. Then after no response we called Prepaid Digital Solutions and they escalated the issue. After no response (they fraudulently claimed they tried to contact us three times), we called back and they asked for her passport, she provided that as well. Then no response and follow up phone call again they escalated the issue and she sent her utility ***. We called about *** times in total and each time they claim the a third party verifies the identity and all they could do is escalate the issue and wait for a response in *** hours. After *** escalation, we never heard back each time. It has been 2 months since redeemed for the *** gift card. Prepaid Digital Solutions is a fraudulent company who just stole our reward. On two of those calls, they even promised the issue would be resolved, but that was not true. On top of that we did have to pay taxes on the redeemed award which adds insult to injury. Shame on you prepaid digital solutions. We had asked them time and time again to help us resolve but we keep on hitting the same brick wall - their service representatives keep escalating the issue and claims they will raise the issue so a third-party company that they use will respond.

Prepaid Digital Solutions practices deceptive advertising and communication that seems to have the sole purpose of benefiting from when their products are not used in an incredibly short window that is not evidently clear in any form. I received two virtual visa giftcards from a merchant that indicated once they were sent and delivered (by Prepaid Digital Solutions) these giftcards would have a 6 month expiration. Prepaid Digital Solutions hides the fact that they actually have a 3month expiration on their token, and a 6 month expiration on their actual card, which isn't generated until you take a very certain step of ordering/generating a card number, but not the "save for later" option which is a definitive action you must take and should follow the same guidance. Confused? Me too, but Prepaid Digital Solutions has a business model that benefits from this and has many customers evident by their reviews which lose access to their money. When I contacted customer service by email, their response both times was a single sentence that was clearly a prompt reply. This was NOT a solution or even a response by any stretch to address my concerns. When I called, there is no way to speak with a human. Even when I directed towards "lost or stolen" in the call tree, it just hangs up each time after 5 minutes. The company refuses to respond to customer concerns about this confusing and deceptive behavior, and even if your card is stolen will hang up on your request for support it seems. This is definitely something that consumers should be aware of, as well as the CFPB on what's going on with a third party payment provider like Prepaid Digital Solutions. BEWARE!

On Aug. 13, 2021 Spectrum said I was due a $479.94 refund for charges they made to my account after I closed it which were supposed to be processed through North Lane within *** business days. Even though the address provided was correct and I live inside a gated entry apartment building with a key entry mailbox that only I have access to (and have never had an issue with any mail delivery before) I did not receive my card. I contacted North Lane to let them know and they said they would issue a second card. Once again I did not receive the card. When I contacted them to let them know they said the card had been delivered and used. They said I had to fill out a fraud form to get a refund but they would send a replacement card in the meantime with a zero balance so that once the fraud was resolved I would be ready to go. As far as I understand the gift card they are sending can basically be used by anyone who steals it out of the mail or if it is delivered to the wrong address because it required ZERO verification. I completed the request, (Case ID #: *** and was never notified the fraud had been resolved, which it was, in my favor.I do not receive the 3rd card either and asked them to send the new payment through a different method since this obviously wasn't working (perhaps overnight it, via *** or wire payment or check). Instead they sent their usual template response that a new card would be issued and to wait weeks for it.When I reached out yesterday to let them know I have not received their card for the FOURTH time they said it had once again been delivered and used in full (fraudulently), because they sent the same type of gift card instead of check or other payment option. Now they are requiring me to again complete the fraud form and wait up to 90 days which will be 9 MONTHS since I was due my refund. Seeing the other reviews on this site and others it seems like the company will do anything to avoid paying its clients.

I was issued a Northlane debit card by KED Plasma a couple weeks back and within the first few transactions had an issue where a declined purchase at a retailer was posted to the card. I faxed in the dispute form as requested. A few days later I called asking about a provisional credit being given while the investigation was done and spoke to a supervisor that told me "because this is not an account that falls under Regulation E we don't provide provisional credits as we can't legally do so." I did some research and found out that merchant errors at the *** do fall under Reg E and faxed over a complaint regarding this and let them know that if a provisional credit was not issued I would be filing a complaint with the *** as they had provided false information regarding my transaction not falling under *** next time funds were loaded and I tried to use my card it was declined everywhere. It cannot be added to any apps and is declined at any ***. I've spoken with CS 8+ times and continue to be told that the card is fine. I walked a mile down to the store to try and use the card as I was told it will work fine and it was still declined. Called CS again and am told there are no issues with my card and they see no declines. I tried to transfer my funds to my bank account on the website and am given an error message that the transaction cannot be completed and to call CS. Doing so only gets me the same answer that the account and card are perfectly fine and can be used anywhere that MC is accepted and because they don't see the declines there is nothing they can do and my card is fine. The only explanation is that after I told them I was making my first complaint to the *** they blocked my card in retaliation leaving me no recourse and no way to get my funds without waiting *** business days for a new card. I have recorded my calls with CS and have documented every decline. This inability to access funds has caused me undue financial hardship.

In 2019, I was issued a refund from ATT when I cancelled service. They used North Lane to process the debit card (card #1) for the refund they owed me in the amount of $95.10. When it arrived, it was not activated as it was being saved for a trip. This trip was cancelled due to Covid and the card expired. I called and they happily reissued the card. At this time, there was no mention of any fees that had been taken out or were refunded as a courtesy. I received the full amount of $95.10 for card #2.Due to covid, I am in the same situation with the card not being activated or used for the trip, so I called again to get a replacement card since card #2 has expired again. When I called, I was told they would be happy to reissue it and would waive any fees as a one time courtesy. There was NO mention of the $24 in fees they had taken out and the man I spoke with confirmed it would be the $95.10. When it arrived, they had taken out $24. When I called, they told me it was monthly maintenance fees. Per their list of fees that they sent with the cards (all of them), "If your card is not activated you can request a "replacement card" at any time up to 5 years after the card expiration date, any monthly maintenance fees assessed against your card account WILL BE REVERSED prior to card reissuance." I called North Lane and was told they would not reverse the fees. I asked for a supervisor and explained that no where in their fees did it say it would only be done one time (the reversing of the fees) and that it CLEARLY says the fees WILL BE reversed if the card is not activated. This is extremely misleading and is fraudulent. No where on the long list of fees does it say they will only return the maintenance fees ONE TIME. If I had known that every month they were taking $3.00 (for 8 months until the card expired), I would have gone ahead and activated it and used it. The company stole $24 for me and refuses to issue me a new card with the missing fees in it.

I've been reporting an error trying to make an ACH transfer multiple times every other day on the last fours weeks and have an email chain of 22 emails starting from Feb *** detailing all my attempts and the lack of support on fixing the issue that still isn't solved. My funds are being withheld from me and their customer service is non existent and a distressing experience.My first call was on Feb 18 and I called multiple times after that to report the same issue since I wasn't provided an solution. The phone agents are unprepared and unhelpful and can only say they will escalate the situation and to try again in two business days, but it's only a script and nothing really happens as the problem persisted. They hung up twice on me after I asked for a supervisor and was put on hold indefinitely up to 20min until the call is dropped by them and I need to call and start it all over again.I contacted customer service by email and it is even worse, the pre made pasted replies are generic and doesn't even address the issue I'm reporting, doesn't answer my questions and ignores my concerns. There is no continuity. They even created two other unrelated solvable issues, but mine isn't addresed.Their troubleshooting steps and proposed solutions doesn't work, and after reporting it doesn't work, I don't get a reply within their own two business day deadline so I have to follow up about the lack of reply, only to have an unrelated answer or being told that a solution was already provided, ignoring that it just said it didn't work, so I have to explain my self all over again from the start.I'm on my third generic "We reviewed your account you can try again now" after having to follow up their lack of reply on the third business day, and surprise, I still get an error.And yes, I cleaned my cache and cleared the cookies and restarted my devices before my attempt. It's one month that I'm reporting this exhaustively and still can't transfer my funds.

My mother passed away in late November. There was an over payment to her cable company. The refund of the overpayment is suppose to be processed through Northlane. On 1/9/2022 they advised the refund check was processed. I contacted them again via email and was informed that the check was again processed on 2/7/2022. It has now been 12 weeks since the original response on 01/09/2022. On 3/23/2022 I contacted the *** of Northlane *** in an attempt to get a resolution and have had no response so I am now using this means to try and get the refund. This is the response I received 1/9 Dear ***,We have received your email regarding the Spectrum Refunds for the Estate of ***. We are very sorry for your loss. Please be advised that we have received the copy of Death Certificate. As requested, a check has been issued. Please allow *** business days for the check to arrive, however due to delays across the globe, delivery may take an additional *** business days. At this time, we are recommending that you allow this additional time for your check to continue being delivered.Please do not hesitate to contact us with additional questions or concerns as your satisfaction is our top priority.Response 2/7 Dear ***,We have received your email for ESTATE of *** Spectrum account. As requested, a check has been issued 09-Jan-2022 .The typical delivery timeframe to receive your card/ check is 10 business days, however due to delays across the globe because of limited availability of employees due to Covid-19, delivery of a physical card/check may take an additional *** business days. At this time, we are recommending that you allow this additional time for your card/ check to continue being delivered.Her case number with Northlane is *** and ***. I think I have waited long enough for delivery of a check and would like the refund so I can settle my mothers estate

On Nov 4, 2021, I made an extra payment to my home energy provider, MetEnergy. After realizing this, I called them to have the charges refunded. The total refund was $347.78. MetEnergy informed me that my refund will be sent in the form of a debit card from a company called North Lane. I called North Lane a few days later and verified that they had my information and had already begun the process of sending out my card. North Lane advised me that the card would arrive in 10 business days. After 10 business days the card did not arrive. I called North Lane and they stated that they would send another card out to me. They verified my address, and said to give it another 10 business days. Time came and went and still no card arrived. I called North Lane back in mid December and was advised that there were nationwide mailing delays and to please allow for another 10 days. I thought that was fair and continued to wait. In early January, I called North Lane back and was advised that yet another card will be sent to me, same deal, 10 business days, if it doesn't come, wait another 10 business days. They told me the post office has a concern with my address. I contacted the post office and was told there is no such issue. I have never had any issue with mail arriving to my address as I live in a well-populated township not in a secluded area. On Jan 27th, I contacted MetEnergy asking for their help. I asked them to reverse the procedure and credit my account again instead of waiting any longer but they said they can't do anything once it's sent to North Lane. I researched North Lane and found that many consumers have had similar issues with North Lane. Alarmed, I called North Lane back today asking for an update. I was told, yet again, either the card will come today, or wait another 10 days. I asked if there was ANY other resolution, a check, a deposit into the account, mailing to a different address. They said no.