Consumer complaint received 2025-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Novo Platform Inc.
State: MI

Complaint narrative:
Total fraudulent charges : XXXX Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant : TARGET XXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$70.00} Merchant : XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$70.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$97.00} Merchant : XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$97.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant : XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant : XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$98.00} Merchant : XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$98.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant :XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant : XX/XX/XXXX XXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant :XX/XX/XXXX XXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant : TARGET XXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant :XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant XX/XX/XXXXXX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} Transaction Details Business Name : XXXX XXXX XXXX Card Ending In : XXXX Transaction Date : XX/XX/year> Transaction Amount : {$96.00} Merchant :XX/XX/XXXXXXXX Dispute Details Dispute Date : XX/XX/year> Disputed Amount : {$96.00} After the debit card was frozen, the perpetrator tried to make another purchase at a Target. 

This was Novo Bank 's ( XXXX XXXX XXXX XXXX response to the fraudulent claims and disputes to get refunded. After a careful examination by our Disputes Investigations Team, we regret to inform you that, based on the information provided, we are unable to approve the dispute for this transaction. 
We understand that this is not the outcome you were hoping for, and genuinely empathize with any frustration or inconvenience this may cause.

They said it would take 7-10 days to receive an update on the disputes and they did not offer provisions like every other bank offers. They took the full 10 business days to respond..

Company response to consumer: Closed with explanation