Consumer complaint received 2020-03-23
Company: Netspend Corporation
State: IA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
The issue was that I was living in a rooming house that had run amok in XXXX XXXX  and people from the rooming house were taking my card and making charges while I was asleep or possibly drugged by them. I no longer live at that address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ) where I was a tenant in good standing, and have moved due to gross mismanagement by my previous landlord and for health reasons ( I have XXXX / XXXX  ). 

I would be happy if they would issue a provisional credit for the signature charges dated XX/XX/XXXX. (  $ XXXX {$700.00} ) All of which ( with the exception of 1 charge ) happened in rapid succession at a nearby XXXX over just a few minutes. ( see attached report ) A PIN WAS NOT REQUIRED?? 



XXXX XXXX  POLICE C.I.D. ( XXXX ) XXXX Case Number : XXXX XX/XX/162020 For details see my letter below and attached correspondence from NetSpend / PayPal Prepaid : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX NetSpend Corporation XXXX. XX/XX/XXXXXXXX XXXX, TX XXXX SUBJECT : EMERGENCY ESCALATION FOR CORRECTION OF DISPUTE Account Number : XXXX Claim Number : XXXX Claim Date : XX/XX/XXXX Dear NetSpend, I am writing to document the current situation that we have in the above referenced dispute : 1. I MADE THE CLAIM ABOVE OVER THE PHONE ON XX/XX/XXXX. THE CONVERSATION WAS RECORDED. 
2. DUE TO CONFUSION OF DISCOVERING I HAD NO MONEY AND DOING CLAIM OVER THE PHONE I IDENTIFIED PIN TRANSACTIONS THAT ARE MY OWN BY ACCIDENT BUT WAS TOLD BY THE PERSON TAKING THE CLAIM TO PUT IT ON THERE IF I WASNT SURE. SHE DID NOT CLARIFY THAT SOME TRANSACTIONS WERE SIGNATURE TRANSACTIONS AND I THOUGHT MY PIN WAS COMPROMISED. HAD SHE MADE THE DISTINCTION CLEAR, I WOULD HAVE MADE NO MISTAKE. 
3. ALL OF THE TRANSACTIONS I WISH TO DISPUTE ARE SIGNATURE TRANSACTIONS WHICH I KNOW ARE NOT MINE. SOMEONE WAS ALLOWED TO SPEND {$600.00} ( +- ) AT A XXXX WITHIN A FEW MINUTES DOING SIGNATURE CHARGES ON XX/XX/XXXX. THOSE SIGNATURE CHARGES AT XXXX ON XX/XX/XXXX ARE THE ONLY THING I WISH TO DISPUTE. THERE WAS A SIGNATURE CHARGE AT XXXX  ( A GAS STATION ) THE SAME DAY, WHICH WAS LIKELY ALSO FRAUD, AS I DONT HAVE A CAR AND IT WAS LIKELY THE PERPETRATOR ( S ) REFUELING AT XXXX.

4. THIS MATTER HAS BEEN REPORTED TO THE FTC AND THE LOCAL POLICE.

5. I HAVE SPENT HOURS ON THE PHONE WITH PAYPAL PREPAID AND THEY ALWAYS PROMISE THAT SOMEONE WILL CALL ME BACK FROM THE FRAUD DEPARTMENT BUT THEY ARE NOT CALLING. I HAVE BEEN PROMISED A CALL BACK AROUND 4 TIMES AND A MESSAGE WAS LEFT ONCE. THE OTHER TIMES, NOBODY EVEN BOTHERED TO CALL. 


I understand about the virus and all, but if youll notice, my account is getting really low. I really need the provisional credit for this revised dispute fast so I can pay bills. I am XXXX with XX/XX/XXXXand other illness. Please take care of this and issue provisional credit. 
Thank You in advance, XXXX XXXX ( XXXX ) XXXX

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