Consumer complaint received 2021-07-03
Company: Netspend Corporation
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had noticed unauthorized transactions as well as transactions that had been double charged on my netspend by XXXX account around XX/XX/XXXX, XXXX. the statement given to me following that statement Is when I had noticed the unauthorized access and usage of my account. After notifying them those transactions had altered and changed and then I was sent a new statement in my email. I had taken the proper steps to notify the bank and followed procedures in order to report and resolve the matter only to open up a big mess of issues with this bank! They had credited my account for it the reported unauthorized transactions about three weeks later but only to send me a letter stating that they did not find that my case to be valid so they reversed the credit to my account and then did not notify me further but I contacted them to ask whyAnd was never given answer. There has been a lot of things going on with my account including statement changes like one day I would look online at my statement and it would have a list of merchants and transactions but yet the following day I would look at the same online statement and it would be completely different as if some transactions had never even taken place to begin with! I started noticing that my money wasnt adding up from XX/XX/2021 going forward! Now they have brick wall of me and completely closed my account without notifying me and I found out because I try to log into my app on my phone and it told me that my account had been locked so Ive been called customer service for them to tell me that they had closed my account due to fraudulent activity and that I could no longer have an account with them! They have denied me access to the transaction history! Theyve also denied me a A understandable and appropriate reason behind their decision as well as any information regarding my account! They have been very hostile in dealing with this on each and every time that I call Im either hung up on or I am sent to the automated system in the middle of me speaking with one of their customer service agents! Theyve also denied my request to speak with the risk management department in which, according to them, is the department that made the decision to terminate my account! They wont give me a closing statement or any documentation or information about the account closing and yet did not notify me whatsoever! As if they thought that maybe I would just go away! Now theyre saying that I have a negative balance of {$150.00} but yet have not given me options to settle this debt! But this is not a debt of mine in which I should have to pay but yet they Oh me money that they have literally stolen from me at this point! I have asked them and requested access to my current statement as well as my previous statement for the previous month and they told me know that I can not have access to that and they have violated my consumer rights altogether! I have also have a savings account opened up with them and as well as paying a monthly service fee for this account! I noticed the frustration had increased and the more I was asking questions and trying to resolve the matter and only to find that they are obviously trying to hide The fact that they have not handled my complaint legally or properly by any means! I dont know what I can do but I do know that they have violated my rights and that is illegal and I do believe that is grounds for a lawsuit so I suppose the proper step next is to contact a Lawyer

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