Consumer complaint received 2022-04-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with an overdraft — Overdraft charges
Company: Netspend Corporation
State: CA

Complaint narrative:
Claim Number : XXXX Claim Date : XX/XX/XXXX Claim Amount : {$780.00} plus fees {$4.00} ( totals to {$790.00} ) To whom it may concern, I am a XXXX XXXX XXXX girl, who recently started working a few months ago aXXXX XXXX and was left with no money on XX/XX/XXXX. This is very painful for me and is causing me to stress out because we are a low income family and my father is XXXX. This money is very important for me. 

I noticed I received a few notifications stating my money was being withdrawn from my Skylight XXXX account. I quickly logged into my Skylight XXXX account, that I received from my employer ( XXXX ), to see what was happening. By the time I opened my phone, I noticed a total of two transactions had occurred that ended up totaling to {$790.00}, which was most of the money that was in the there. I quickly locked my card to try to stop the transactions from happening but it was too late. My money was stolen at a XXXX located in XXXX XXXX XXXX, CA. The majority of the places I had withdrawn money before was at XXXX XXXX XXXX on XXXX XXXX XXXX 

The first withdrawal occurred at XXXX PM on XX/XX/XXXX with a total of {$500.00}. Before they even took the {$500.00}, my balance was checked by this individual resulting in a {$1.00} " Balance Inquiry Fee '' plus the {$1.00} fee I was charged for the transaction. 

The second withdrawal occurred at XXXX PM on XX/XX/XXXX with a total of {$280.00} plus the {$1.00} fee I was charged because of the transaction. 

Both of the transactions that were made above were made in the same location, in XXXX XXXX XXXX, CA. I reached out to Skylight XXXX the XX/XX/XXXX and made a claim to report that my money was stolen. This is the first interaction I made with the Skylight XXXX, and I was told they were going to open and investigate the case. Skylight XXXX froze my account, and until this day I do not have access to my account. I can not even withdraw the money I currently have in there. The dispute was supposed to be available on XX/XX/XXXX but that never happened. 

The second time interacted with Skylight XXXX was on XX/XX/XXXX, to call and see what was going on with my case because they never called me or emailed me that day. I was told they were not going to be sending me my money back that was stolen. The letter I received from them stated that " we found no error occurred and that the transaction ( XXXX ) above are valid. '' Which is completely wrong, since I did not make the transactions. From the employee 's voice, it seemed my case was not fully investigated. 

I live in XXXX, CA and I do not even have a license to drive, so it is impossible for me to even be in XXXX XXXX XXXX, CA. The little money I make is enough for me to survive. This situation is causing me emotional distress because Skylight XXXX does not want to give me my money back, and they are not letting me withdraw money that i currently have in my account. 

They can check the time and location the money was withdrawn, and prove it was not me. I am sure banks have cameras. I worked very hard for this money, and it is completely unfair for Skylight XXXX to not want to give me my money back.

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