Consumer complaint received 2017-06-19
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I noticed a mass amount of fraudulent transactions posted to my account. When I noticed these accounts I immediately notified Netspend Customer service ( XX/XX/XXXX approximately XXXX XXXX CST ) and reported what I had found out. Per the request of customer service person I spoke to ( XXXX-Rep # XXXX ) she said it would help with the investigation that I file a police report with the local departments. Due to the fact that these fraudulent transactions happened in two different counties I had to file 2 different police reports : XXXX XXXX TX Case # XXXX XXXX TX Case # XXXX CLAIM # Netspend XXXX Report # XXXX Here are the transactions that I did not perform, nor did I give any person permission to access my bank account, debit card or PIN. My card in question has been in my possession 100 % of the time, so I am not sure how these fraudulent transactions even happened. Is it possible for a fake card to be made? How does the magnetic strip of the card get duplicated? Should n't this be something an ATM Machine notices? I never check my balance via the ATM because of charges I use my app on my phone. <P/>XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$200.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$100.00} XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$0.00} XX/XX/17 XXXX XXXX FREEWAY XXXX XXXX TX, XXXX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX TX, XXXX {$140.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$2.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX TX {$200.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE {$0.00} XX/XX/17 DEBIT : BALANCE INQUIRY FEE XXXX XXXX XXXX XXXX {$0.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$2.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$100.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 DEBIT : ATM DECLINE FEE XXXX {$1.00} XX/XX/17 XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} On XX/XX/XXXX I heard back from Netspend telling me that they completed their investigation and were NOT going to refund me my money due to the non-consistent usage of the card. I have called 8 times to Netspend talking to supervisors and get the same story. I then called XXXX they own Netspend and told them my story. They sent an email to the escalation department at Netspend with my concerns and again they did not refund my money. I do n't understand with 2 police reports still in process how this company can come to a conclusion so quickly! This is {$1500.00} that was taken from my account-needless to say I am VERY upset with the way Netspend handled this.

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