Consumer complaint received 2020-01-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I filed a dispute with the card company because on XX/XX/2019 many ATM withdraws started happening that were not mine. over {$2000.00} was taken from my account. This might not be large amount of money for some people but to me it was the bulk of my life savings. I filed a dispute with XX/XX/XXXX and they said they would investigate. Today I got letter stating they are not returning my money. Below is a  letter that I emailed them today which will detail for CFPB the exact issue that this was clearly fraud or an inside job at the lender to steal my money. 

Letter sent to XXXX XXXX XX/XX/XXXX via there email portal is below ( cut and pasted ) .. 

I am asking you to please read this email and re-evaluate your decision on this dispute. Look at all my prior history of my account since I opened my account and you will see I don't go to ATM 's very often if ever, I always go to XX/XX/XXXX( your store ) to remove money directly. Also I never remove money at ATM 's in XXXX XXXX as is my understanding were these withdraws were made. The ATM card and its pin have only been in my possession this tells me that its either a data breach on you end or inside job from someone in your company. If this money is not returned to my account I fully intend to file a complaint with the Attorney Generals office in California and also the Consumer Financial Protection Bureau. If you read the details below you will see this is fraud based on location, prior card usage and the XXXX charge that started this whole thing. I want my money return or I will seek damages. 

Fraud Charges are as follows : 1st charge {$1.00} on XXXX on XX/XX/XXXX at XXXX CT, Not mine 2nd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not mine 3rd charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 4th charge {$300.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine 5th charge {$83.00} ATM withdrawl on XX/XX/XXXX at XXXX CT, Not Mine I made the charge at XX/XX/XXXX XXXX XXXX restraint {$11.00} on XX/XX/XXXX at XXXX CT, I could not have possibly drove from that XX/XX/XXXX ATM to the XXXX XXXX reastraunt in that time frame. This is impossible with traffic the way it is in XXXX. That should be a huge red flag to you showing I did not make those ATM withdrawls. 
The next Charge is at XX/XX/XXXXfor {$21.00} XX/XX/XXXX at XXXX CT is my charge. 
The next charge for {$15.00} is mine on XX/XX/XXXX XXXX CT The next charge for {$11.00} is mine on XX/XX/XXXX at XXXXCT The next charge for {$8.00} is mine on XX/XX/XXXX at XXXX CT Then the fraud starts in again in XXXX XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$400.00} Not Mine XX/XX/XXXX at XXXX CT {$200.00} Not Mine ... 

I have not had a response to this email to them. This is fraud and they know it but won't return my money.

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