Consumer complaint received 2025-05-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: ADP Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX at approximately XXXX I went to a XXXX XXXX XXXX station to use their XXXX XXXX ATM to simply pull out cash off a third party card that the company I was working for at the time uses if you dont give them your direct deposit information or dont have one. Until I cleared that up I had to use this third party called Wisely to get my first few paychecks on their card. On that date/time I went to pull out cash and it said Denied Due to Insufficient Funds and didnt give me any of my money even though I had the funds in my account at that exact time and in fact had a XXXX over what I was trying to take out which was {$260.00}. Wisely on the app/online on my account even immediately also charged me a fee for not having sufficient funds. I was with a friend and even a lady that worked there seen what happened as I was confused and she said she had never seen that before. I then got another charge in the amount of the {$260.00}, the amount I had just tried pulling out, but they said I didnt have the funds. In total {$260.00} was taken from me. I called them immediately they said they would have to open an investigation that would take up to 45 days even though it clearly stated that this was on their behalf and it still does in my account to this day. However I did file a case, and ended up waiting months, I ended up having to file a second one on XX/XX/XXXX because they somehow lost the first XXXX, and once again waited months. They randomly sent me a letter saying that they finished the investigation and that they determined that there was no error on XX/XX/XXXX. I asked for their findings as to why they came to that conclusion as I had spoken to them many times over the months and all they wrote was that record analysis indicates that no fraud has occurred, but still did not give any supporting documentation. I reopened it again sending them through the mail all my documents and proof, such as phone calls I have recorded with them, then clearly on my online account stating that it was them and even charged me a fee, they said it happened at a completely different location and gas station which I have them saying in letters, I have their emails that say it was them initially and that it could have happened due to a preauthorization hold and later said that their proof was that they had me on video getting the money, but thats not true as I wasnt even at that place and I have that phone call also recorded. I then called the police to make a report on XX/XX/XXXX and they said they are looking into it. However, the cop I spoke to said I should have never waited to call as now any actual video footage would be gone, but I have witnesses and I never experienced this before so I didnt know what was the correct form of action as I trusted their word, as I didn't know if this is fraud or fraudulent on XXXX behalf. I still have not received any of my money back in the amount of {$260.00} and all I keep asking them for is my money back that I got taken from me. Last time I spoke with them I even asked Wisely if I could file a fraud report, and they said I couldnt and between employees I spoke to on seperate occasions, seem to all not have a reason why or have anyone for me to be able to speak to above them. I am desperately asking for help in this as its something Ive been battling with now for a long time and I just want to make this right as I work hard for my money and I have gotten treated so poorly and it has caused me great distress.

Company response to consumer: Closed with explanation