It is a pity that the U.S. Government requires social security recipients to have their much needed social security benefits that they worked and paid for deposited with Direct Express that will often deprive access to the funds. Often cards are canceled for no reason without any notice leaving many with no way to pay for food, electricity, and other necessities required to live. If the card holder survives an extremely long wait on the phone, he or she will be told the only solution is issuance of a new card that will take two weeks to receive. Often a merchant regularly paid by the SS recipient with the Direct Express Card, all of a sudden without notice, will not be honored depriving the card holder access to the typical goods or services. A call to Direct Express will result in a very long hold period after which the company cannot provide a reason for the inconvenience. Only if pressed Direct Express will finally state the merchant, for no stated reason, was black listed. Only if pressed Direct Express will advise that a temporary whitelist can be issued to allow payment to the merchant (who must not have been so bad after all) for a period of three to four days after which the blacklist will go back in place. Just when the needy card holder thinks he can make a purchase, he or she is told it will take two hours for the whitelist to go into effect. After waiting much more than two hours the card holder will call back and wait for a longer period on the phone until being told that the process will have to start again with no explanation of why the first promise failed. After waiting much longer than another two hous the card holder will discover his card can still not be used. He wait on the third call is even longer than the others. The cardholder will go through the same lengthy process and, again, furnish a lot of verifying information only to listen to the same worthless speech; when he or she tries to inform that this has been done to no avail two times before, he or she will be told that he or she tries to interrupt the call will be ended. The call will result in the same promises that will not take place. The fourth phone call wait is longer still evidencing a common problem. for card holders. The representative on the fourth call is even ruder that one of the prior three (two out of the four actually tried to be cordial). This representative will listen to nothing and require the same lengthy nonsense; she will never respond to, “will Direct Express can get it right this time.” By this time the card holder if overwhelmed and has no faith has or her card can be used. By this time it is past bed time of the second night since this started. The card holder assumes the card will be useless when he awakes.