Consumer complaint received 2026-05-25 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Payfare International Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding XXXX XXXX/ Payfare XXXX XXXX XXXX handling of my unauthorized transaction dispute. On XX/XX/XXXX, I noticed XXXX withdrawals from my XXXX XXXX debit/payroll card account totaling {$240.00}. I disputed the transactions because I did not knowingly authorize them and did not knowingly make purchases from XXXX. The company denied my claim because they stated there had been a prior XXXX transaction on XX/XX/XXXX, which they treated as evidence of prior merchant activity. When I initially disputed the XX/XX/XXXX transactions, I did not recognize any prior XXXX activity on my account. After reviewing my account history more carefully later, I found there had also been a smaller XXXX unauthorized transaction on XX/XX/XXXX for approximately {$24.00}. I did not identify or recognize that earlier transaction during my initial review of the account history because it was relatively small and occurred months earlier. I did not authorize the XX/XX/XXXX transaction. Because that earlier transaction was relatively small, I did not notice it at the time or connect it to the later disputed withdrawals totaling {$240.00}. However, the existence of a prior smaller transaction does not, by itself, establish that I authorized the substantially larger XX/XX/XXXX withdrawals totaling {$240.00}. I requested reinvestigation of the disputed transactions and requested information regarding how the disputed transactions were determined to be authorized. The company did not provide meaningful evidence showing that I authorized the disputed withdrawals. The company did not provide : * transaction method information ( chip, swipe, online/card-not-present, digital wallet, etc. ) * recurring authorization evidence * shipping information * device or IP information * evidence showing that I personally authorized the disputed transactions Instead, the company closed the claim and informed me that the decision was final and that no further communication regarding the matter would occur. I have also been unable to reach anyone beyond initial customer support or obtain meaningful escalation or review of the matter. The company also repeatedly instructed me to contact XXXX directly regarding the disputed transactions. However, the company did not provide sufficient transaction details that would allow me to meaningfully identify or investigate the alleged purchases with the merchant. I was not provided with order information, merchandise descriptions, shipping information, merchant contact information, reference numbers, or other transaction details that would allow me to determine what was allegedly purchased or who may have initiated the transactions. I am requesting that the company reopen and properly investigate the disputed transactions, provide the evidence relied upon in denying the claim, and reimburse the unauthorized withdrawals if they can not demonstrate that I authorized them.

Company response to consumer: Closed with explanation