I am a disabled individual (Kidney disease, dialysis required) living check to check. I take it there is no fraud dept. I had 2 charges from out of state from a gas station that were "pending" as of Oct 9th 2020. I was told I would get a new card and be refunded within 7 days. I specifically asked if I needed to file a dispute form and the agent said no. 5 days later I call back-not only did they allow the transaction to clear the dispute process had not been started. I caught *** trying to edit the .pdf file they have for filing disputes. What's worse is the robotic foreigner on the other end with 0 empathy or customer service skills. I'm still waiting on a resolution.Just use a real bank or credit union. User's recommendation: Use a normal bank or credit union in the US.