Consumer complaint received 2026-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ADP Inc.
State: TN

Complaint narrative:
On XXXX XXXX someone broke into my car and stole my purse along with my wallet, phone, laptop and car radio, I immediately reported this to Wisely by XXXX XXXX XXXX on XX/XX/year>. I let them know exactly what happened. They instantly closed the card and reissued me a new one. I let them know that I had checked my account balance and all of my money were gone. I told them about all the transactions that had happened during that time I didn't know about and didn't authorize. The representative I spoke with said that he were mailing me a dispute form and I had until XX/XX/year> to return it back, I said okay. On XX/XX/year> I noticed some more transactions that I didn't authorize that happened on XX/XX/year> I immediately called Wisely back to let them know that there were more charges that I were disputing, the Rep I spoke with said not to worry that I would have to do another claim because she couldn't add those charges to the first claim because when I had did the first dispute those charges hadn't posted yet, so she did another claim. On XX/XX/year> I called just to check the status of my disputes and to ask what will happen if I don't receive the forms in time, the Rep told me that if I hadn't received it by XXXX or XXXX to give them a call back so they could give me another option and he also kept saying that to remember to give us a call back if you don't receive it because you XXXX qualify for provisional credit by XX/XX/year> I said okay. So on XX/XX/year> I received all three of the dispute forms. I filled everything out and signed it and emailed it to them using the email that was on the form. I emailed the forms around XXXX XXXX XXXX and I waited until after XXXX XXXX to call them to make sure that they had received them, the first representative said that he didn't see it to give it some time because I had just sent it, so I called again around XXXX XXXX and spoke with another representative and she basically said the same thing that she couldn't find it but she were going to escalate it so it didn't mess up me getting a provisional credit by XX/XX/year> and I said okay. So on XX/XX/year> I called again that morning to see if they had received the dispute form, the representative said that he could see it and that it was being reviewed, but I'd have to resend them again separately because they were all XXXX separate claims, so I did I resent each claim separately. On XX/XX/year> i checked my account and the first claim was denied so I called Wisely back to ask them why and how did they make a decision so quickly after I just submitted the forms, the Rep basically said that she couldn't give me that information and that I would have to write them a letter to why they should reopen the claim, but a credit of {$190.00} were credited back to my account out of {$910.00} dispute which I don't understand that, so on XX/XX/year> they denied the other XXXX claims XXXX for over {$1200.00} ; and the other for {$310.00} XXXX immediately called and asked why were I denied and I know that they really didn't investigate and the representative said that they will mail me the reason for denial and I could write a letter with why I disagree. My purse and wallet were stolen, I didn't have my physical card to do any of these transactions. This isn't right what they did, they just automatically denied it because of the amount. That money was meant for my books for school and I have XXXX, and I pay for my XXXX medicine out of pocket and majority of that money was meant for this reason. Now I'm suffering, not only medically but mentally also because I can't get my books for this semester and plus my laptop were stolen.

Company response to consumer: Closed with explanation