Consumer complaint received 2018-05-30
Company: First Data Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I want to report bank fraud and misrepresentation by Customer Service that is provided by XXXX   XXXX XXXX - XXXX XXXX : 1. What bank issued your card/account ( look on the back of your card for the words " This card issued by '' )? 
'This card is issued by XXXX XXXX XXXX XXXX XXXX ' 2. If you have a prepaid debit card, which one do you have ( Examples include : XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX etc. ) Its not a prepaid Debit Card, its my work issued card that my direct deposit goes into. 

3. Is the card/account in your name? If not, whose name is it in and what relationship are they to you? 
The card is issued to my name : XXXX XXXX It also says 'Payroll Card ' 4. What is the Date you notified the bank of the unauthorized transactions? 
XX/XX/XXXX i took so long because their number listed online is incorrect and their automated system was not letting me get connected to the right department. 

5. Did the bank ask you to complete a written fraud report? If so, date you sent it back to them? Please forward us a copy of the fraud report if you got one ( banks regularly make mistakes with these ).

They asked me to complete a fraud report that they will send me in the mail to fill out but they also said it may take 45-90 days to come up with a resolution. I found that very odd 6. Has the bank denied your dispute? If so, did you get a written denial letter? Please forward us a copy of the denial letter if you got one ( banks regularly make mistakes with these ).

They denied both of my disputes regarding the transaction and did not bother to notify me of the outcome. One transaction for was for {$500.00} and one for {$460.00}. Their reasoning was 'because i did not cancel the card and purchase a new one ' like they suggested.

7. Did the bank ask you to either attempt to resolve the problem with the merchant first or get a police report?

They asked me to file a police report which i then did because according to them it will help me get my funds back. But i have already more than proved to them i did not authorize this transaction because they were withdrawn from a XXXX XXXX ATM. I only withdraw from XXXX  XXXX XXXX ATM 's and i live in XXXX, Ca not in XXXX, Ca 8. Please provide the date, dollar amount, and transaction description ( who it was paid to ) of each unauthorized transaction. 
Transaction # 1 - {$460.00} XX/XX/XXXX @ XXXX location XXXX XXXX XXXX XXXX XXXX , Ca ( XXXX XXXX ATM ) Transaction # 2 - {$500.00} XX/XX/XXXX @ XXXX location XXXX XXXX XXXX XXXX XXXX XXXX Ca ( XXXX XXXX ATM ) 9. What is your argument for why the transactions were not authorized? Examples include you have never used that merchant or ATM before, the transactions were in another state or country, you were in the hospital or prison, it was a duplicate transaction, the merchant exceeded the amount you authorized, or you lost your card etc. 
The location of the ATM and bank they were withdrawn from are not only in a bad part of XXXX but i am not even a resident of XXXX. I am a resident of XXXX Ca and i only withdraw money from XXXX  XXXX XXXX ATM 's and they still denied my disputes. The money was withdrawn from an ATM that i dont even bank with. ( XXXX XXXX ) 10. Did you ever have a tax refund, social security, or any other governmental benefits direct deposited to your card or account? 
Ive actually just had all of last years Tax Return taken from me for an unpaid student loan that i never took out. {$960.00} 11. What state do you live in?

California 12. What is your telephone number in case we need to contact you? 
( XXXX ) XXXX XXXX Damages : Will you be satisfied just getting the amount of the unauthorized transactions back? Please note that damages for pain and suffering or emotional distress are not recoverable in these types of cases. 
I would like the money back for the unauthorized transaction and more ( if possible ) for their misconduct and failure to represent me as a respectable customer. However i would like for you to have your fair share of the settlement when the outcome is reached.

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