Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CENTRAL BANCOMPANY, INC
State: MO

Complaint narrative:
In XX/XX/XXXX i was online looking to book a trip, i ended up purchasing one that totaled around {$600.00} from a site and i get a msg asking if this is a fraudulent charge and i say no. Then i get a call from " fraud department '' saying my account/phone has been hacked and i download an app and give them access to clear it up. I never questioned this call until way later and assume that my accts were breached that way. I later had to dispute the vacation charge when i never received any actual tickets or confirmation. Beginnings in XX/XX/XXXX, my accounts ( XXXX XXXX XXXX XXXX XXXX XXXX ) were somehow hacked and fraudulent charges were made. I didnt notice the transactions immediately but contacted companies as soon as it was discovered. Those cards were canceled out, and new ones were issued. My Jefferson Bank checking account continues to be accessed fraudulently regardless of new cards being issued. Back in XXXX i called Jefferson bank bc there was over {$4000.00} taken out of my account for unauthorized XXXX transactions. They canceled card again and filed a dispute. XXXX XXXX  closed my account after filing a dispute directly with them stating i violated XXXX XXXX XXXX but never told me which ones. I was not issued another debit card at this point by jefferson bank, the only reason i kept the account open was for my disputes that i expected to be credited back to me. i wasnt really happy about this happening over and over. They gave me a provisional credit in XXXX for charges disputed in XXXX. Like i said, i do not have a debit card for this account, the only way funds should be able to be accessed is by me going to the bank myself and withdrawing them. Today, XX/XX/XXXX, i go to bank to withdraw money from acct which should have over {$800.00} in it, but cant because my balance is {$21.00}. I have no idea how any of my funds were accessed by anyone, and im livid at this point. I file another dispute and receive a call back from a lady at jefferson bank saying that theyre debiting my acct for the provisional credit issued for over $ XXXX XXXX cash app says its not fraudulent and jefferson bank wouldnt be disputing the over {$800.00} that i came in to dispute today that some website " paysafe '' keeps charging my account despite me not having a debit card. XXXX is disputing this by default, i did not authorize nor was i aware of any of the disputed charges. That is almost $ XXXX thats being taken from me, and i did not authorize any of those charges., i dont know how hacking works or how ppl access personal info, but i have literally bought XXXX phones during this time, the last one i got with a different provider and brand new phone number. I didnt ask for this to happen to me, and i shouldnt be responsible for things outside of my control. It shouldnt be too much to ask to expect my money to still be in the bank whenever i need it, my money shouldnt be in someone elses hand when i didnt give it to them, my bank did.

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