How would you rate TreasuryDirect?
Top Positive Review
“Pretty simple (so far) to open an account with Treasury Direct”
KimC.
6/10/22
I opened an account today with Treasury Direct, to buy I-Bonds. It was a smooth ride. Yes it took maybe 30 minutes to open, but all seems to be fine so far. At the end of opening the account, they have a review and this was posted as of what the people have reported on this website:Excellent 62%Good 28%Fair 6%Poor 4%I followed an online tutorial that made it pretty easy. Just check, and check and check again all your numbers. Happy investing.
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Top Critical Review
“Antiquated and poorly designed UI”
RodD.
1/10/24
It just is the worst design I have ever seen and too many times it after I click on a tab when I'm in it locks me out and I have to call a number to unlock my access. I would give a 1/2 a Star r No star if I could.I did 42 years Federal Services and this is nearly the worst I have seen on a Federal site H/R or financial services.Awful!
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Reviews (161)
March 30th, 2024
They really tout how converting your paper bonds to digital is easier to manage. IT IS NOT! Do not use Treasury Direct! I log in to my account one day and can view my bonds, transfer, sell but the next time I log in, they are gone. Who knows where they went! The site is a maze of hidden or ridiculously small clickable words, and navigation is confusing. Treasury Direct could be described as a scam. They have a thorough FAQ page which is deceiving for anyone looking to create acct.
Tip for consumers:
Typical dysfunctional government website.
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Treasury Direct Website
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Helpful (0)
January 10th, 2024
It just is the worst design I have ever seen and too many times it after I click on a tab when I'm in it locks me out and I have to call a number to unlock my access. I would give a 1/2 a Star r No star if I could.
I did 42 years Federal Services and this is nearly the worst I have seen on a Federal site H/R or financial services.
Awful!
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Helpful (2)
September 2nd, 2023
For over 20 years the site remains the same. Account access stinks, weird accounting proceedures, always formating errors on the Dashboard & PDF file printing,,, plus Bureau of the Fiscal Service hoops to navigate thru. Good News is this is a excellent safe place to save money for your Senior retirement years & I have never lost a dime. I-Bond & T-Bill one-stop shopping on a goofy platform developed last century.
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Helpful (3)
February 10th, 2024
Worst website for a financial product that I have ever tried to use. Make several requests for the one time password. When you finally get it the site states that it is wrong (which it wasn't) and locks the account. Done with this. Withdrawing all of my money. The web designers are idiots.
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Helpful (1)
March 16th, 2023
I am trying to cash out matured EEs and have the cash deposited at my bank.
Now, after three month of inaction, they send me a letter that I first suspected was from a scammer (and maybe still so). It was factually incorrect and full of spelling errors! So far it cost me $900 in lost interest and there is no end in sight!
HOWEVER, I upgraded my rating to two stars because I finally got through by phone (called at 8am and was put on hold for 'only'30 minutes). My concerns were noted and I was told they would be reviewed.
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Helpful (3)
June 15th, 2022
It was a rough start, hold for 6+ hours several days in a row, being told by customer service each time that despite the website saying I had to call they couldn't help. But have hope people—wonderful Bob in RM finally came to my rescue. He was a solid 20 out of ten but overall this system was the most painful experience I've ever been through.
Just have hope folks and keep calling.
Tip for consumers:
Don’t give them your $
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Helpful (7)
December 1st, 2023
I call their customer service because I can't log in (not because I entered my password/security questions wrong -- no their $#*! just doesn't work period). I listen to a condescending answering machine and hold for 30 minutes while at work, only for an impatient representative hang up on me after 5 minutes. Like $#*! me right, it's okay that I waited 30 minutes for their $#*! system while at work but if I can't produce the required info in 10 seconds I get hung up on.
Also in their infinite wisdom they're only available 8AM-5PM Eastern time on workdays, cause $#*! the rest of the country right? People in the west coast clearly don't have jobs / don't pay taxes so they don't deserve customer service and must be ready to call at 5AM-2PM.
Total disgrace of an institution funded by taxpayer dollars.
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T Bills, I Bonds
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Helpful (1)
December 9th, 2023
Was trying to get information on T-Bills. Entered treasurydirect.gov into the search bar and clicked the link. Keep getting the following message "This site can't be reached. treasurydirect.gov took too long to respond." WTF! And I'm not paying a broker for my piddly little investment.
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Was unable to login to website so I couldn't do anything.
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Helpful (1)
November 20th, 2023
Do NOT open an account with Treasury Direct. I attempted to change the bank account linked to my treasury direct account and now my account is locked. I had to submit a form notorized by my bank. Now Im being told it will take 6 months to make any changes. They are now basically holding the money from my t bills that have matured and not giving me any interest on them for 6 months. The customer service is horrendous and the website is flawed. Instead buy your t-bills in the secondary market because you are basically getting the same return.
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Helpful (4)
June 2nd, 2022
We're locked out of our account because their repeated security questions were not answered correctly. The call back number is a big fat joke. They close at 5, and will not put you on hold in the queue after 2pm mountain time. That's 3 hours before they close. This is totally unbelievable, they can't work past 5. This makes this whole system a big joke, and typical government bureaucracy, where no one cares. This is so stressful
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Helpful (46)
June 16th, 2022
Verified purchase
I've paid taxes to the US Treasury for 60+ years. I tried creating an account and they claim they have no record of me. They want me to go to bank to get a form certified then snail mail it back to them. There is no immediate internet or phone Customer Service. They reply "we're too busy to answer any questions". It would be interesting to know what they're busy doing. Maybe they should try doing their jobs. A total and complete waste of time, but typical of a gov't service - no accountability from bottom to top.
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Helpful (32)
They have stolen 5000 of my hard earned dollars. They claim that I answered my 3 questions incorrectly. Now, I am locked out of my account with no help at all from them. Obviously, I've been ripped off.
Shouldn't the feds be investigating this outfit?
Ps I needed to select one star to be able to submit this. As far as I am concerned, they deserve zero stars and some lawsuits.
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Helpful (23)
June 10th, 2022
I opened an account today with Treasury Direct, to buy I-Bonds. It was a smooth ride. Yes it took maybe 30 minutes to open, but all seems to be fine so far. At the end of opening the account, they have a review and this was posted as of what the people have reported on this website:
Excellent 62%
Good 28%
Fair 6%
Poor 4%
I followed an online tutorial that made it pretty easy. Just check, and check and check again all your numbers. Happy investing.
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Helpful (2)
May 11th, 2022
I have been trying to change may linked bank info now for 6 weeks and all I get is the run around. And since I complained 4 weeks ago about the time it was taking, they now claim that my account was not "authorized" and that I need submit docs I submitted last year when I opened this account. Absolute rubbish - resubmitting these docs will generate another 6-8 week delay. Even with the now high interest rates for I-bonds, I would think twice before investing with this terrible organization.
Tip for consumers:
Even with the now high interest rates for I-bonds, I would think twice before investing with this terrible organization.
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I-Bonds
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Helpful (36)
July 13th, 2022
They tease you with higher rates, you attempt to create an account but can't for whatever reason, so you call, and get NOWHER! 1 1/2 hours of recorded crap, then it rings, and rings, more recordings, more rings, and no one ever picks up! I hung up after 2 hours! Imagine trying to cash in a bond... Is no one trying to fix this joke of a system? Our government doesn't care about the little guy, simple as that!
Tip for consumers:
Don't bother calling Treasury Direct, and you can't even go to the bank nowadays to buy a bond.
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None
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Helpful (26)
January 15th, 2022
I've used Treasury Direct to cash in savings bonds, but the website is difficult to use. Login page uses a virtual keyboard to enter password and my clicks sometimes register nothing and sometimes duplicate entries. Site does not allow display of password to verify entries. Takes me multiple tries to get in. Once I'm in, an error (?) navigating from one page to another kicks me out my account & requires another login. Wish they would allow password display on login and kick me back to your account page instead of out the website completely. Worst website I've ever used.
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Helpful (31)
October 26th, 2023
My mother got locked out of her account and it will take 6 months to get a response. What a scam and another way for them to hold onto your money. Don't buy savings bonds because u will never get your money the government owns it
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Helpful (2)
October 5th, 2022
There website is awful. I can't buy an Bond because they say the bank account is wrong. I have to fill out a long paper that takes 12 weeks to process or call. I finally got a human and they put me on hold again. Waitied 10 more minutes and the call dropped. Still no service. They got my number but I doubt they will call back.Its been about 15 minutes. No call back.
Tip for consumers:
Make sure you put in the info correctly the first time.
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Helpful (17)
February 3rd, 2022
I have no idea what contractor the government hired to create their website but it's third world. It takes forever to open accounts and the security questions are insane if not impossible. If you get locked out, you're doomed. 45 minute to one-hour waits and then they hang up on you. You literally can't get to your money. There is hell on earth and it's Treasury Direct.
Tip for consumers:
Don't invest or use the site.
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Helpful (78)
June 15th, 2022
Called last week and was told to hang up as it was too late in the day. So tried at 1030 ET and am still on hold. If this were a bank site the Treasury would be fining them for such poor service. My wife tried to buy I-bonds and was told there were problems. She would need to fill out form, get a signature guarantee and mail. While waiting on hold voice said it might take 13 weeks to resolve.
Why doesn't this site have zero stars for really atrocious sites?
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Helpful (31)
May 7th, 2022
Customer support is non existent. I was on hold for 3 and a half hours yesterday trying to get my account unlocked and finally gave up since I have a life and things to do. They won't communicate via email unless you login and email them. So if you're locked out of your account your only option is to call and they don't answer. Find another way to invest your money. There is no way I'll ever spend another penny here.
Tip for consumers:
Don’t invest here
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I bound a I series bond
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Helpful (49)
June 30th, 2022
After having spent the last 3 weeks daily attempting to reach Treasury Direct by phone, I've sat on hold for several hours at a time. No one to take my calls and my account is frozen. No instructions on how to fix it, no email help either. If you mail in a request it can take up to 13 weeks to even get an reply. This is a horrible predicament for customers.
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Helpful (41)
October 27th, 2023
If you get locked out of your account and have to verify your account that takes 6 months. I wouldn't invest anything in this. Its a terrible way to invest your money because you cant get it if you need it. I couldn't image how hard it is for the elderly that don't have any help. Shame on the government for this..
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Helpful (2)
January 11th, 2022
The website IMO was really straightforward and based on secure transactions. Not sure how it will hold up from here but i like the 7 percent current ii rate. Hope it stays high, as inflation likely will
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Helpful (13)
May 22nd, 2022
After purchasing EE & I bonds for years, redeeming them now is a nightmare. I submitted 17 mature EE bonds in March and got an email stating it will take 6 - 8 weeks for my money to be deposited. It's now more than 8 weeks and although I've written emails including the customer & case numbers as requested, I get the same computerized "do not reply" letter in response. I've called the phone number given but that doesn't work either. Customer service is nonexistent. I'd like to know what I can do to get my money.
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Treasury Direct
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Helpful (49)
