Consumer complaint received 2021-06-06
Company: Conduent Incorporated
State: MS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/2021 I called EppiCard ( MS.Unemployment  Debit Card Company ) The day i got out of the XXXX  from XXXX. And told them that my card was stolen and there had been unauthorized charges made on my account and that i'm wanting to dispute the charges. Well I made that phone call and followed through with the process they had me do. ( 1 ) I called them as soon as realized my card was stolen, the day I had gotten out of the XXXX the day i was aware of the unauthorized charges which was well in the time frame of the 10 day requirement of reporting fraud charges and minimizing any loses. ( 2 ) on XX/XX/2021 I went to my local police department to file a police report that in fact my wallet was stolen and along with other things my Unemployment Card. So After i filed the required Report i faxed it to EppiCard along with any statements of the dates and charges that i was disputing. So After Calling the very day i realized my card was stolen and there were unauthorized charges on my account. Even after I Completing all necessary steps that they specified in there contract ( Terms & Conditions ) they still haven't reimburse me back the Money i've lost in my account. And this isn't there first time they have done this to me and from what i've researched and read and personally have been told by other Customers of EPPICARD.com that they NEVER refund anyone back there money from unauthorized charges on there accounts and when i filed a dispute before they also never gave me the/a provisional credit while they investigated the fraud charges.As well as they never did this time either they not once called me emailed me not even sent me a letter explaining there decision. So i'm left with no choice in this matter but to open a former Dispute with the XXXX. I've called numerus of times asking for help, i've been told by there support team that i was wasting there time, that they had better things to do then to look up the status on some dispute that will never be in my favor anyway so stop calling all time. when i tried to tell someone about it like a supervisory/management they placed me on hold 8 different times and all 8 times i sat on the phone for over an hour sometimes two just to be asked what my name was then get hung up on. I know this company is operating unprofessionally and without rules. They have no accountability, So they disregard any rules set out by any federal agency who's rules are there to keep financial companies from treating consumers this way but they have gotten away with this sort of thing for so long they don't really care what's fair whats right or even if you follow there on rules for disputing anything they want do a investigation nor will they credit your account for the amount of the dispute for the time they take to investigate the dispute even if its a old account and you are well in the ( terms ) time frame and done everything exactly they way they say do they will still not giving your stolen money back to you. And not only has this bank allowed someone to take my money from me out of my account without my permission, they have caused me unnecessary hardship i wasn't able to pay my rent for the month of XXXX so i was kicked out and when you have XXXX kids and you are the only parent its hard very hard having to stay in a shelter for XXXX weeks for me to save enough money for us to move into a new place they have caused me so much hardship not refunding me back my money that at this point i'm looking for legal counsel to help me fight this big bank, for all the stress and unbearable hardship they put me and my kids through from them not abiding to there own rules and contract terms & conditions

Company response to consumer: Closed with explanation