Netspend Complaint - Unauthorized Transactions-Stolen Acct Information
MONTEBELLO, CALIFORNIA -- I used to be a happy Netspend customer until my account information somehow got stolen and unauthorized transactions for almost $300.00 was taken from my account. I get the automatic text messages so I was at work when the first charge came in for about $29.00 for some gas station in Texas, mind you I live in California and have never visited Texas. About 30 min later another charge for $108.39 another gas statation in Texas. Well bells went off and I told my boss I had a major emergancy and needed to leave and go withdraw my money & find out what is going on. So while I am driving to the check cashing store I am on hold the whole almost 20 min with Netspend workers telling them my situation over and over, meanwhile I am getting more angry and frustrated. Finally I am supposedly transferred to a dispute resolution person or so I thought. I told him AGAIN what was happening and he told me that if I blocked the card everything would be ok and that the pending transactions were going to be removed and my funds given back asap. While I was speaking to him ANOTHER charge $125.09 was debited which was proof it was fraud and not my charges. So I blocked my card and was given another temp card but was still linked to my account. I asked will there be a chance these charges hit again? No the Netspend employee said, because my card was blocked he said. Well this was all on a Monday, by Wed of the same week my account is short I noticed over $100.00 so I check online and what do you know one of those fraud charges did come in and get deducted. Livid I called Netspend only to be given the run around and told I would now have to dispute the charge. Fine after over an hour of getting now where I will dispute it. Well now its Thursday and I check my account only to see another charge hit that was to be blocked this time for the larger sum of $125. What the hell I thought was going on here? How could these charges I had reported as fruad be paid? Also so many days later? Well of course here I go again calling Netspend so angry because I have to speak to these customer service reps who don't know ANYTHING besides what they read on their scripts. No one with authority ever gets on the line. I requested to speak with a manager and the idiot representative had the nerve to ask why? Are you kidding me I just finished explaining it to you twice!! So finally I get a manager, tho I highly doubt it was because they tell you the same thing the representative did a before. Well this manager tells me that the merchant "Forced" the transactions and that just because my card was blocked and pending transactions removed didn't mean the charges would not hit my account. I went through the roof. I started screaming I was so angry because I had asked this question when I first reported the fraud, and two how come they allowed these transactions I reported as fruad to be forced by the merchant. What was the point of blocking my card then? If I was told this on Monday when I first called I would have taken all my money out of the account period!!! So I calm down and ask ok so now what, how do I get my money back. I was then told I would now have to file a Claim dispute and an investigation would be done but it would first take 10 days for me to even get any initial information. What the heck! So even though I reported it as fraud I am now having to file and fax to Netspend a Dispute letter and wait 10 days for the investigation to begin? What investigation if I reported it as fraud in the first place? So then the so called manager tells me I can try calling the merchants too and see if they will refund the money. I lost it again because I said I don't know who the hell the merchants are in Texas because I live in California. That I had called to report the fraud to avoid any of what I am dealing with now. My money was taken without my consent and I reported it to Netspend only to have them jerk me around. Whats even more fishy is how they are located in Texas and the charges that were made with a fake credit card come to find out were in Texas as well. Funny how the charges started to happen right when my Christmas bonus was deposited. Three years of having the card and nothing like this happeneded but right when the largest deposit ever is done a week later charges begin? Makes me think its an inside job. Lets see what happens now? I am a single mom who works to freaking hard to let this happen. Netspend better do right by me. Christmas is now ruined because this has thrown off all my allocated funds and bills. Thanks NETSPEND!!!