My experience is similar to all of these negative reviews. I was given a $500 gift card at Christmas from colleagues at work. Someone had used up the funds in the first week of January. Customer service is phony and asked a lot of personal questions. I held back personal info they should not need for an e-card. I was given a case# but they never sent me the form to complete. I have been researching online and am appalled that this company is still in business. I filed a complaint with the Attorney General's office in my state. Everyone should file a complaint! Get them shut down.