Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANKMOBILE TECHNOLOGIES, INC
State: OH

Complaint narrative:
This is what the bank sent to me. I asked them to produce paperwork saying I authorized these charges. Please see the below. The amounts were {$250.00} each back to back charges that totaled {$500.00}. 

Dear XXXX XXXX, We have taken action on the following claim : Date of Transaction : XX/XX/2022 Transaction Amount : {$250.00} Claim Number : # XXXX Date of Notification : XX/XX/2022 Provisional Credit History : none Please see below for information on what has recently occurred with your reported case. 

Message From Customer Service -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, We are writing to provide an update on your dispute. 

You stated this transaction was unauthorized, but we received information from our outbound call to the merchant reflecting your name, address and phone number were on file for an account with the merchant who is a credit facilitator for various companies, which allows customers to make payments on purchases. demonstrating that you authorized this merchant. We have concluded that this transaction was authorized and determined there was No Error. We recommend that you engage the merchant to resolve this dispute. Please refer to our FAQ ( https : //bankmobile.custhelp.comXXXX ) regarding merchant disputes and let us know if we can provide any information to advocate on your behalf. 

If you have specific questions about your claim, please contact us through the customer service tab at bankmobilevibe.com or calling us at XXXX and refer to the claim number above. You have the right to request copies of the information used by BankMobile in making the determination to deny this dispute. 

Sincerely, Dispute Resolution Team Dear XXXX XXXX, We have taken action on the following claim : Date of Transaction : XX/XX/2022 Transaction Amount : {$250.00} Claim Number : # XXXX Date of Notification : XX/XX/2022 Provisional Credit History : none Please see below for information on what has recently occurred with your reported case. 

Message From Customer Service -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, We are writing to provide an update on your dispute. 

You stated this transaction was unauthorized, but we received information from our outbound call to the merchant reflecting your name, address and phone number were on file for an account with the merchant who is a credit facilitator for various companies, which allows customers to make payments on purchases. demonstrating that you authorized this merchant. We have concluded that this transaction was authorized and determined there was No Error. We recommend that you engage the merchant to resolve this dispute. Please refer to our FAQ ( https : //bankmobile.custhelp.comXXXX ) regarding merchant disputes and let us know if we can provide any information to advocate on your behalf. 

If you have specific questions about your claim, please contact us through the customer service tab at bankmobilevibe.com or calling us at XXXX and refer to the claim number above. You have the right to request copies of the information used by BankMobile in making the determination to deny this dispute. 

Sincerely, Dispute Resolution Team

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