Consumer complaint received 2022-04-18
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I had my taxes direct deposited onto a netspend card and on XX/XX/XXXX I called to issue a dispute on 2 separate charges made by XXXX XXXX XXXX with whom I have also filed a claim against with FTC and the attorney general 's office for thier deceptive and unfair business practices being used at their used car lot. 

I went to purchase a vehicle from them on XX/XX/XXXX and was assured everything was ok with the vehicle in question as the owner of the dealership had been driving it himself for personal use for more than a week before selling the vehicle to me I drove the vehicle home and 2 days later I get a notice on my card that XXXX XXXX XXXX  had actually charged my card without authorization 2 days before I ever agreed to purchase the vehicle or ever signed a contract for the purchase and on XX/XX/XXXX they charged my account XXXX dollars. 

I immediately.called them and said I was coming in to talk with them. However when I went to drive the vehicle I was nearly in a very severe accident that I barely escaped from after the vehicles transmission control unit stopped working and I lost all acceleration capabilities while traveling on a busy highway at XXXX and was nearly hit by a semi truck that was behind me. 

Come to find out there are 2 separate safety recalls on the vehicle from the manufacturer that were never completed and the mechanic who looked at my vehicle said that there was definitely prior knowledge of these issues and were either XXXX  or ignored. 

When I contacted the dealership they told me it was my problem and refused to take the car and return my money or explain why charges were made to my card upon my first visit to them which was 2 days before I actually contracted to buy it or agree to the terms of purchase and signed any paperwork. 

In going back over the paperwork I noticed that there are 2 different signatures and names on the contract listed as the seller/ owner yet neither of those names are the name of the person who signed the paperwork with me on XX/XX/XXXX. The signature on the witness line for the odometer paperwork stating that they looked at the vehicle and took the mileage directly from the odometer is not the same name as the person who was there the day of sale In fact there were only 3 people in total myself, my friend who came to bring me so I could drive to he New vehicle back and to one sales lady. And Yet there are 2 different people 's names and signatures on the paperwork and neither one of them was her name.. 

I immediately contacted netspend and reported my card as stolen and used for possible identity theft and also Locked.my credit profile..I disputed the charges and was told on XX/XX/XXXX that they would issue a provisional credit of those funds back into my account immediately so I could have access while they complete their investigation and said it would take them 10 days to complete 20 for new accounts and no more than. 45 days In some cases. They asked me to send an email to XXXX confirming my dispute in writing of the charges within the 10 days time. I sent the email as requested on XX/XX/XXXX however on XXXX I got a notice in the mail that no provisional credit was gon na be issued because I never confirmed my dispute in writing. 

I once again contacted them right away to notify them of thier error and ask them to issue the credit as promised and sent a total of 4 more emails to various different emails provider by them and yet they only received 1 of the 4 which was recieved on XX/XX/XXXX They are still refusing to give me access to my funds and are claiming that the next update on my claim will be available on XX/XX/XXXX Wich is well over 45 days at the most they said it would take for the investigation to be complete. I have also had to cancel 2 other cards and have another reissued for more unauthorized transactions on the new ones sent to replace the old ones. I want my XXXX in disputed charges credited to my account as promised immediately and the injunction upheld that apparently was placed on them for doing this same exact thing back in a civil suit brought by the FTC back in XXXX. They were already found guilty of doing this over and over again how much longer are they going to be allowed to use these deceptive and unfair business practices against the American people who place trust in their company only to have their lively hoods stolen by this company and them barring access to what is rightly the consumers har earned 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