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Old 04-24-2012, 08:09 PM   #1
Lees3rwe
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Bank issued gift card problems



I am so sad.
I have spent a combined 5 hours on the phone with Disney and with Wells Fargo.

We have 800.00 in Wells Fargo Visa gift cards.

They have a 2018 expiration date.
Disney cannot process cards (debit, credit, or gift cards) with a 5 year out or more expiration date.

On top of that, Wells Fargo puts a 20% hold on the balance when used for travel, restaurants, spas, etc. (this is evidently outlined in an "agreement" form that we never received. My husband told the bank employee that we were using the cards for our vacation, he never mentioned anything about this.).

Disney says there is nothing they can do, Wells Fargo says there is nothing they can do.

You cannot withdraw cash from the cards.

Our balance was due yesterday and I am scared we are going to lose our deposit.

I must say, I am disappointed with Wells Fargo, but not surprised...
I am a little surprised at how we have been treated by Disney though...
This would have been our 3rd trip in 18 months. They don't really seem to care one way or the other it seems. We have not had any truly sympathetic CM's and one acted like he was doing me a real favor by extending my deadline to Thursday.

Maybe this trip just isn't meant to be.

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Old 04-24-2012, 08:20 PM   #2
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I have been given those visa / bank card type gift cards as gifts a couple of times and both times had aot of trouble using them. One instance I Was given one for $100 and used it for a small ($10 or so) purchase and then could not use it anymore. Seemed as if you had to use it all at once or lose the balance. It almost seems like a scam.
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Old 04-24-2012, 08:23 PM   #3
LIGrumpyGirl
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Go to the Disney Store or any store who sells Disney Gift cards and buy $800 worth. Then pay for trip with those cards.
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Old 04-24-2012, 08:27 PM   #4
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I agree gift cards can be hassle, we were given an American Express one and many places that accept AE credit cards would not take the gift cards.

On top of that I always had to purchase something that was less than what was on the card, they won't let you pay the difference.
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Old 04-24-2012, 08:55 PM   #5
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You may want to go to the Wells Fargo location where your husband purchased the cards and ask to speak with a store manager or service manager. Calmly explain what has happened and that you were not given the disclosures with the gift cards. They should be able to come up with a solution for you. Often times the customer service employees are not as willing to fix issues as someone at your local Wells Fargo that knows you. Good luck!
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Old 04-24-2012, 09:00 PM   #6
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Walgreens also sells Disney gift cards.
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Old 04-24-2012, 08:32 PM   #7
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Quote:
Originally Posted by LIGrumpyGirl View Post
Go to the Disney Store or any store who sells Disney Gift cards and buy $800 worth. Then pay for trip with those cards.
This is what we had to do. We had Vanilla Visa cards in amounts of $100 each. We would buy them per pay period as a vacation savings plan but when we brought them to Disney to pay our room only they could not process them I had to go to DTD and change them into Disney gift cards. From my experience those cards are more trouble then they are worth, with freezing funds after use at a gas station to the automatic 20% they add for gratuity at restaurants, we stopped buying ten all together! We now will buy the Disney gift cards from our local grocery store in their place
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Old 04-25-2012, 10:52 AM   #8
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Quote:
Originally Posted by LIGrumpyGirl View Post
Go to the Disney Store or any store who sells Disney Gift cards and buy $800 worth. Then pay for trip with those cards.
I agree w/ this.

Last edited by happy2012; 04-25-2012 at 11:31 AM.
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Old 04-24-2012, 08:28 PM   #9
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I'm sorry you're having trouble. I have never used those kinds of gift cards, but I have heard that some of them can come with strict guidelines for use. Maybe you can try going to the Disney store (not sure if this would work if WDW can't process the Visa gift cards) or go to Walgreens or somewhere else that sells Disney gift cards and try to buy some of those with the Wells Fargo Visa ones and then pay for your trip with the Disney gift cards. I don't know if this will work, but it might be worth a try. Good luck and I hope everything works out for you.
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Old 04-24-2012, 08:33 PM   #10
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Good suggestions... I hadn't thought of buying Disney Gift Cards with them.
I wish I knew if they could process them at the Disney Store, it is an hour away to the nearest one.
Our Sam's Club used to have the 100.00 ones but they don't anymore.

I am going to have to do something though!

Thanks again...
It is a bummer because I was really excited about being able to pay it off (after getting my mom's good news!).
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Old 04-24-2012, 08:35 PM   #11
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Quote:
Originally Posted by Lees3rwe View Post
Good suggestions... I hadn't thought of buying Disney Gift Cards with them.
I wish I knew if they could process them at the Disney Store, it is an hour away to the nearest one.
Our Sam's Club used to have the 100.00 ones but they don't anymore.

I am going to have to do something though!

Thanks again...
It is a bummer because I was really excited about being able to pay it off (after getting my mom's good news!).
Our target has them also.
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Old 04-24-2012, 08:37 PM   #12
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Quote:
Originally Posted by Lees3rwe View Post
Good suggestions... I hadn't thought of buying Disney Gift Cards with them.
I wish I knew if they could process them at the Disney Store, it is an hour away to the nearest one.
Our Sam's Club used to have the 100.00 ones but they don't anymore.

I am going to have to do something though!

Thanks again...
It is a bummer because I was really excited about being able to pay it off (after getting my mom's good news!).

We had no problem at the DTD location but worse case scenario you take a fun trip to the Disney store and maybe have a nice lunch. I'm new so I'm unaware of your moms news but so happy that it's good : Have a great trip!
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Old 04-24-2012, 08:42 PM   #13
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We had no problem at the DTD location but worse case scenario you take a fun trip to the Disney store and maybe have a nice lunch. I'm new so I'm unaware of your moms news but so happy that it's good : Have a great trip!
My mom is a stage 4 cancer survivor and we were waiting for her PET scan results before paying our balance on the very last day!
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Old 04-24-2012, 10:51 PM   #14
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Quote:
Originally Posted by Lees3rwe View Post

We have 800.00 in Wells Fargo Visa gift cards.

They have a 2018 expiration date.
Disney cannot process cards (debit, credit, or gift cards) with a 5 year out or more expiration date

Something sounds wrong with the explanation that Disney is giving you, IMO. Federal Reserve regulations require that funds on any gift cards issued have an expiration date of AT LEAST five years out, so it makes no sense that they can't process cards with a five year out expiration date.

See the Fed's 2010 press release, a summary of the regs or the full regs for more info.
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Old 04-25-2012, 11:24 AM   #15
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Quote:
Originally Posted by LIGrumpyGirl View Post
Go to the Disney Store or any store who sells Disney Gift cards and buy $800 worth. Then pay for trip with those cards.
I agree w/ this idea!! I make all my payments w/ Disney gift cards, I get mine @ a local grocery store b/c I get gas discounts. Disney never gave me any trouble. Just make sure you keep ALL gcards & receipts used in this process until the end of your vacation.


Oh & don't feel bad about the CM. I had a CM give me major attitude just Mon. b/c I asked for Deluxe prices, then I said it was too much for us & asked for other rates. I was thinking..what? can YOU afford $345 a night? LOL!!! Sorry but I know for a fact WDW does not want their future guests treated poorly. It's the person/CM. That is when you take the survey after the call. [I did not take the time,but my CM was rude as well] I will say u landed on the whammy of a CM!!! Ughh, I'm sorry about that. I can imagine your frustration when it comes to $800. We are not talking about a $20 card here. GOOD LUCK w/ figuring it all out!!

Last edited by Tinkerbellah; 04-25-2012 at 11:30 AM.
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