Consumer complaint received 2025-08-14 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: Dave Operating, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX several transactions from XXXX posted to my checking account. This happened again on XX/XX/XXXX with several more transaction coming out of my account from XXXX. When I noticed I called customer support on XX/XX/XXXX to file a dispute and was told by the dispute agent that I would have to call back once the transactions posted to file my dispute. When I called back on the XXXX of XXXX to file my dispute, I let the agent know that I noticed several more transactions from XXXX pending on my account for XX/XX/XXXX. I was told that I would have to call back and file a separate dispute once the transactions posted to my account. I file my dispute for the XX/XX/XXXX and XXXX unauthorized transactions. I asked the agent to block XXXX from debiting my account and was told that replacing my card would stop them, so I canceled my old card and ordered a new one. On XX/XX/XXXX more transaction from XXXX, I waiting for the items to post and called customer service on XX/XX/XXXX to dispute the transactions. Dave Banking denied all of my disputes stating We have determined that no error has occurred. If you are able to provide new information, you may request a reevaluation of your dispute. 

We have come to this conclusion because : There were authenticated logins and access to view the account activity and transactional information.

You received a text/email alert ( s ) during the reported activity and did not report the transaction ( s ) as unauthorized.

This notice serves as final resolution of your dispute for the above-referenced transactions. If your dispute included additional transactions not listed above, please be assured we are continuing to investigate those.

Should you have further questions or if you wish to request the documentation we relied upon to make our decision, please contact us so we may assist you. 

I contacted XXXX customer service via chat and I was told they can not assistant me with refunds due to me not having an account with XXXX. I kept trying to call XXXX but I kept getting a recording stated they were closed. I finally found another number and was able to speak with an agent. I informed him of the many unauthorized charges on my checking account and he searched my email and phone number and could not find an account in my name, because I do not have one and never have. The agent informed me I would have to dispute the transaction with my back due to me not have a XXXX account. The agent gave me a case number to provide to my back stating I do not have a XXXX account to make these unauthorized transactions. I called Dave customer service and gave them the case number. Dave is still stating they see no error and that I did not report the transactions fast enough, when I did report the transactions as soon as I noticed them. I am now out of {$1100.00} and Dave is refusing to put my money back and the reason they are giving me is There were authenticated logins and access to view the account activity and transactional information.

You received a text/email alert ( s ) during the reported activity and did not report the transaction ( XXXX ) as unauthorized.

Company response to consumer: Closed with explanation