Complaint sub-issue: Problem accessing account

My complaint is unfortunately for MoneyLion XXXX XXXX XXXX XXXX. The app and reviews are misleading and the customer service is even worse. In XXXX I filed my taxes, i made the foolish mistake of Using MoneyLions XXXX account to receive those funds. After I submitted taxes I figured then would be a good time to get a debit card since bills and life after covid-19 was overwhelming me. I did not know that you could only receive a debit card after your first deposit. Its not that I dont agree or understand why such policy would be in place, I just wish I was aware so people like me who are in hardship will know of the delay. Long story short I get my deposit, my card ships they provide me a virtual card. A card that had more returned payments than processed. I was notified that I could instacash XXXX - 1x, to obtain those funds I would have to tip and repay each one, hard times call for desperate measures and I believed I took about 3-4. I needed the cash I technically already received XXXX XXXX was gon na terminate me from services and I needed relief. I had sent numerous attempts to transfer funds onto my XXXX XXXX and XXXX ( pay and send apps ). I will mention for the whole month of XXXX I only had a handful ( 5 ) of the many attempts made to receive. I had XXXX charges I had not made and provided proof from merchant that no order, no card is on file for them and I had informed XXXX that I would use their email to reference my dispute claim to MoneyLion. My claim was denied and I never heard back as far as where my dispute claims that totaled in {$290.00} with some being made a few times in one day. Before the months end I had XXXX in my account. I hardly got to use my card because of there deposit policy, and the many many returned payments that never went through, as well as my XXXX stimulus that also deposited into my account. I immediately concluded something was wrong. It took days to get someone on the phone, and not only did she argue with me she denied my request to retrieve all transactions made and mentioned I am not allowed to have it. She was adamant I was confused and told me I overdrafted at some point. That made no sense since it is a prepaid card and overdrafts are not available. Only 1 of the representative had acknowledged the errors and even stated they probably tried to confuse me since clearly he could see double charges as much as XXXX reflecting my account. That one representative was the only one who helped me and even filed my dispute via phone of my concerns. I dont know how many more times I called but I had been hung up on, denied statements and no answers to where my money has gone. I got an email from their advocate team and days later a statement, I got my XXXX XXXX statement, my digital receipts from certain stores and reconciled or attempted to my accounts. I could tell from the short list of transactions that it was inaccurate and insufficient, returned payments did not reflect account even when item was returned to the MoneyLion account days later from the initial transaction. I requested this a dozen if not more times and even informed advocate I reject this statement for the missing transactions made and would like someone to assist my account with the services they offer and provide. It is XX/XX/2021. I hadnt been on my MoneyLion previously for some time from the stress I had to take a break of pondering my account since it had taken its toll on me. Recently when I had signed in the app came across a tab that provided only XXXX transactions, it reflected returned payments, provided transactions I forgotten and was exactly what I had request months ago. I started to screenshot the top of list to make my way down and was unable to complete since the app updated and never had XXXX transactions made available again to view. Thankfully and gratefully I got a picture of the total transactions and As it states under the XXXX transactions, that out of the ( {$5100.00} ) total deposited into account, There was only a total of {$3200.00} completed. There is no record of the {$1800.00} missing and/or unaccounted for. Since XXXX I have faced an eviction, utility bills cut and strain on my relationships with loved ones from the XXXX XXXX that was a result of MoneyLions negligence to my concerns.