Consumer complaint received 2020-11-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MoneyLion Inc. (CA)

Hi on XX/XX/XXXX I had just left my house and stop by checked the mailbox ..I received two debit cards from my moneylion online bank ... one for moneylion checking account and one for my roar money checking account. both belong to the moneylion Bank..I right away called to activated both cards while I was in the car I notated the pin numbers for both cards on a sticky note and I sticked it to one of the cards after that i drove off to head to work ... soon as I left 2 streets down from my house I got pulled over and my car got towed for expired registrations. i had just bought the car ... at this point I forgot all about my cards I had left them in the car and I completely forgot all about them ... few days later on XX/XX/XXXX I noticed there was a lot of transactions that I didn't make and did not recognize from both of my accounts also the first transaction that I didn't recognize was done on XX/XX/XXXX but again I never realized till the XXXX so I right away stoped whatever I was doing and I contacted moneylion and they told me to file a dispute and go from there.so the process was for the moneylion checking account I had to file the dispute online so i did ... and the roar money i had to do some part of it over the phone so they can email me papers and I had to fill them out separately for each transaction that I never made so i did .... At that point I still wasn't able to get my car out because the tow company was giving me a hard time and of course because they wanted to keep the car for a few more days to get storage money. At least that's what I thought. So moneylion made me redo the disputes for both of the accounts at least four to five times throughout ... for some reason they kept losing or mixing up information then I got my car out from the tow yard and I remembered about the cards that i had left them inside the car the time my car was towed away so i contact moneylion and let them about this .at that point moneylion knew everything and nothing should be confusing.but at least two months later their decision was declining the roar money account completely and never took care of a single transaction from that account and for the moneylion checking account the said they will only pay small portion amount of that account ... they said because I didn't file on the XXXX I filed on the XXXX which was a lie but they tried to say that I failed to file the dispute early because I only have two days from the time my cards were lost ... ... .I found out about my cards on the XXXX and 30 minutes later I contacted moneylion but because I filed dispute saying the first transaction was taking place on the XXXX they tried to say that supposedly I knew about it since the XXXX but I wait it till the XXXX and I only had 2 today supposedly and that wasn't true I don't think there will be anybody in this earth that would wait a few days if they find out their money was being taken by somebody else ... .and to answer to their question or their decision about the whole I didn't file on the XXXX ... I responded with the screenshot proven them that I did file on the XXXX ... the problem was the time I filed a dispute it was around XXXX at night I believe and I'm in XXXX XXXX they are in New York so I thought it might be the time difference that's why ... so I told them about that I told them in my time it was the XXXX yet they ignore it and keep saying the XXXX so i sent the screenshot but yet they ignore it they don't want to admit that it was true whatever I was saying also the reason why they only chose to pay some partial amount from the moneylion checking account not there or money because the roar money accounts had a lot of transactions and the amounts were a lot higher that's why they chose the low amount just to make it sound like they did something ... ..then they try to say something else their decision was changed they try to say that they found no error in the accounts because all the transactions were happening from one address and online ... so I went back to the app to checked just to see and not one single transaction was happening online all the transactions were taking place at stores different places ... and I told them about that and then they tried to come up with another thing and another and another tell today nothing also their BIGGEST MISTAKE that they made that cost me everything ... on the day XXXX filed the dispute whatever they they claiming that I filed a dispute whether it was the XXXX or the XXXX on that day the person I was on the phone with told me that he was going to lock the cards and send me new ones but later I found out he NEVER DID and I found out the hard way ..because in my head I'm thinking my account is secure now since they locked the cards and no one have no access to steal anymore ... 2 months later when I was waiting for their response that's how long they took to respond to the dispute ... .I noticed there is not a single Dollar in my account left completely both accounts were wiped out..I honestly thought at that point it was somebody from the bank itself that was stealing money from me because it cant be this ridiculous and their response was way more ridiculous then their mistake because they actually never responded to this question they always avoid this question or try to change the subject and attack me with whatever it is they come up with or makeup ... .the only thing they did is pay me {$500.00} only for the moneylion checking account because they're saying the law was because I only have two days and supposedly I failed to do that which is not true of course but they said I'm liable for {$500.00}. Ok so if thats the case then for the moneylion checking account transactions were {$190.00}, {$300.00}, {$1000.00} but yet i only got {$500.00} and after adding up both of the accounts the total amount was stolen from both of my account the number was {$6400.00} and since they paid me {$500.00} only .now they are responsible for {$5900.00} and if they had locked my cards and done their job right on the XXXX or the XXXX whenever I filed a dispute I would only have lost less than {$2000.00} if not even less. so money line if you going to be reading this I advise you not to try to mix information not to even try to switch anything up I have proves of everything I'm sick and tired of you guys trying to do whatever it takes to not take responsibility so you guys need to take responsibility immediately I will not be waiting anymore this is one of the final steps I believe that you guys should even paying way more than this amount for all the time and all the hassle that you guys put me through.