Consumer complaint received 2023-04-06
Company: Netspend Corporation
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX of this year I initiated a pymnt to XXXX XXXX XXXX in the amount of {$260.00} from my netspend account and I have the screen shot too prove that, thankfully as it no longer exists on my NETSPEND ACCOUNT, I HAD ENOUGH ON THAT ACCOUNT TO PAY THE BILL AS I'M NOT THE TYPE TO INITIATE A PYMNT IF I DIDN'T HAVE THE MONEY UNBEKNOWNST TO ME THE PAYMENT WAS DENIED AND THEY WERE TOLD I HAD INSUFFICIENT FUNDS, THEN THEY SPOKE WITH ME I ASSURED THEM THAT OF COURSE WAS IN FACT UNTRUE AND THEN CALLED NETSPEND AGAIN TO FIND OUT WHY AND WHAT WAS GOING ON WITH THE ACCOUNT? I DO NOT IN ANY WAY SHAPE OR FORM FIND IT A COINCIDENCE THAT ALL OF THESE PROBLEMS KEEP HAPPENING WITHIN THE SAME 24 HRS I DEAL WITH XXXX XXXX FOR XXXX, FRAUD, ILLEGALLY REPORTING TO THE CREDIT BUREAUS AGAINST ME SYSTEMATICALLY CAUSING ME TO REMAIN HOMELESS AS EVERY MONTH EVEN IF I DONT USE CREDIT CARDS, ONE WAY OR ANOTHER I'M HAVING MY XXXX CHECKS STOLEN!!! PURCHASES FROM MY CHECKING ACCOUNT GO ONTO MY CREDIT CARDS! ETC ETC THE FACT THAT NO FEDERAL AGENCY BELIEVED ME WHEN I STATED THAT MY BANK ACCOUNT HAD BEEN ALTERED LAST YEAR AT XXXX XXXX IS JUST MORE PROOF THAT I'VE NOW BEEN DEALING WITH THIS FOR SO LONG THAT ITS RIDICULOUS, CAUSED ME SEVERE HARM PHYSICALLY, MENTALLY, EMOTIONALLY AND HAS HIT AN ALL TIME HIGH TODAY! NETSPEND HAS REPEATEDLY TOLD XXXX XXXX XXXX THAT I HAD INSUFFICIENT FUNDS AND YOU CAN CLEARLY SEE THAT I HAD A RETURN OF {$250.00} FROM XXXX PLUS I HAD DEPOSITED {$1000.00}!!!!! ONTO THE NETSPEND CARD WITHIN THE FIRST 48 HRS SAID PYMNT WAS DENIED? AGAIN THEY HAD {$1200.00} DOLLARS OF MY MONEY AS ITS A PREPAID CARD!!! I AM IN NO FINANCIAL POSITION TO REPAY AN ALMOST {$300.00} CREDIT CARD STATEMENT! NOR WILL I!!! I PAID IT ONCE AN THATS ENOUGH FOR ME!!! AND AS FAR AS XXXX FEDERAL LAWS MANDATE THAT IF A CLIENT 'S ACCOUNTS ARE UNDER INVESTIGATION NO ONE CAN REPORT TO THE CREDIT BUREAUS YET THATS EXACTLY WHAT THEYVE DONE & I WANT IT REMOVED FORTHWITH!!!! FOR SOME REASON XXXX XXXX THINKS IT ILL XXXX MT CREDIT FOR 7 YEARS? NOT HAPPENING IVE TRIED TO GET " ALLAND '' IN CORPORATE TO UNDERSTAND AMERICAN MATH IM SURE HE DOES HOWEVER HE JUST ISNT ABLE TO APPLY IT TO ME ACCOUNT!!!! I'M GOIN TO PROVIDE ALL PICS IN REGARD EVERYTHING I'VE STATED SO THERES NO MORE CONFUSION OR MISTAKES BY XXXX XXXX AND HOPEFULLY IT WILL PUT AN END TO THIS RIDICULOUSNESS! ALSO I'M SUPPLYING YOU THE FEDERAL GOVERNMENT WITH A COPY OF MY REAL SAVINGS IN XXXXRELAY ' FROM XXXX XXXX THAT THEY'VE NOW REFUSED TOO REFUND ME DO UNDERSTAND THAT THAT CHECK WAS ISSUED BY NONE OTHER THAN XXXX BANK!!! FINANCIAL CRIMES AGAINST THE XXXX IS STILL A FEDERAL CRIME AS IS THE THEFT OF SOMEONES FEDERAL XXXX CHECK CORRECT??? I'D APPRECIATE ANY AND ALL ASSISTANCE FROM THE FEDERAL GOVERNMENT IN REGARDS THIS SITUATION AS IM TOLD IM NOT IN COMPLIANCE WITH FED LAWS AND MY CHECKS COULD STOP HOWEVER IVE ABSOLUTELY NO BANK THAT I TRUST ATM DUE TOO XXXX & XXXX XXXX ACTING LIKE JUNKIES AND ATTACKING MY BANK ACCOUNTS WITH THERE EGREGIOUS & CONTINUOUS FRAUD AGAINST ME! AS ILL KEEP STATING! I TAKE SCREENSHOTS OF EVERY TRANSACTION AND THEN PRINT AS WELL AS STORE IN THE CLOUD AND THUMBDRIVES! BECAUSE AS YOULL SEE HERE TODAY THE ACCOUNTS VARE CONTINUOSLY CHANGING A FEW TIMES A DAY SO THEY NEVER ACCURATE AND MONIES ALWAYS MISSING! PLEASE ASSIST ME IN GETTING THESE SADDISTIC LOWLIFES OUT OF MY LIFE AND IN THE RETURN OF MY SAVINGS! I SHOULDVE BEEN ABLE TO GET MY HOMEOWNERS GRANT, MY WOMEN IN BUSINESS ( MINORITY/ STARTUP GRANT ~ & LOAN ) AND NO LONGER EVEN BE COLLECTING XXXX!!! DUE TO WHAT THEYRE DOIUNG TO ME THERES NO WAY FOR ME TOO ATTAIN SUCH GOALS OR EVEN FIND ADEQUATE HOUSING AS THEY'VE LIED SO MUCH ABOUT ME STOLLEN ALL MY SAVINGS IVBE NOTHING LEFT! NOTHING BAT ALL!!! HELP ME, PLEASE MAKE THEM STOP... I NEED A FEDERAL PROSECUTER TO BE SENT MY CASE IMMEDIATELY I'M 100 % BEING TARGETED, DISCRIMINATED AGAINST, HARRASSED, AND VICTIMIZED BY THESE PPL! I NEED PROTECTION AS I NO LONGER FEEL SAFE IN MY OWN SKIN OR MY OWN COUNTRY!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation