Consumer complaint received 2025-02-13 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: MoneyLion Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I paid an XXXX  loan off in the amount of {$250.00} and some change. I then turned around and borrowed {$70.00} and then {$100.00} for a total of {$170.00}. This app Moneylion helps build credit and gives money investing tips etc. They charge like {$10.00} every two weeks to report to the bureaus. I've had this account for over 5 years. 

On XX/XX/XXXX, I get an email from moneylion stating that someone was trying to change my password. I signed in my account and ut sent me a code. I them get a call from an automated system that stated it was moneylion and needed to verify if i had attempted to change my password. I pressed # XXXX for NO. It then asked for XXXX code sent to my phone to verify it was me. I input that and it said thank you, we will mark your account as this wasn't some by you and hung up. I immediately called back and attempted XXXX more time later and it was just a busy signal. 

I was worried about my account because I also received an email that stated an XXXXXXXX XXXX  in California was trying to change my password. I have an XXXX  and alive in Texas! I then get a message from my other XXXX XXXX XXXX that someone attempted to charge {$1000.00} but it was blocked. 

I then realized I had been scammed. This scammer paid the loan into ok out on XX/XX/XXXX and uses my own money from my XXXX  XXXX account, that I had linked to my Moneylion account. Then he turned around and borrowed {$80.00}. He then paid that off with my money from XXXX XXXX and then took out another {$70.00} XXXX  transaction. 

He also took out a {$1000.00} credit builder loan in my name, upgraded my membership and debited my checking out for those XXXX XXXX  transactions. 

The fraud dept finally called me back after XXXX days of me throwing a fit. The trust and recovery investigator told me I would be refunded the {$180.00} and the {$80.00} as well as the credit builder loan would be reversed and my membership would be downgraded back to free. 

Moneylion did refund the {$80.00} transaction from XXXX XXXX but not the {$180.00}! They told my bank that was mine because I took out a loan. They also seemed to have reversed the credit builder loan. 

I can not seem to get them to understand that I would be interested {$180.00} twice as they did not credit my instacash loan as paid nor did they refund my bank account. 

They told my bank that they refunded my roar account, but that money is being held. There is {$440.00} in that account. I had no money in that roar account. {$200.00} of that was for the credit builder loan so that is Moneylions money. They owe me {$180.00} so I can pay my instacash loan off and I have no idea where the rest ofbthr money came from.

I have been trying to fix this for a month now. My bank has been back and forth with them. XXXX want to closenthis account but cannotndo anything until this gets fixed. They keep stating they are almost done with the investigation but then they send me emails that say they need more time. 

This XXXX loan is close to being 30 days due because this account has been frozen due to this investigation. All these transactions the scammer did were on Sat, XX/XX/XXXX! 

His name was XXXX XXXX from the screenshots on moneylion. He sent all this XXXX to his XXXX  account. However, cashapp told me at their fraud dept that there is no such account. I need this fixed and my credit to nitnget damaged but im not paying another {$180.00} when my account was already devited that..

Company response to consumer: Closed with non-monetary relief