Consumer complaint received 2024-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CARD Corporation
State: VA

Complaint narrative:
On XX/XX/XXXX I spent {$240.00} at XXXX for some headphones. The money was immediately taken from my account, not a temporary hold of a few dollars but the entire amount of {$240.00}. After several problems with shipping issues with XXXX I requested a refund on XX/XX/XXXX. Was told it would take 3-5 business days to hit my account. On XX/XX/XXXX I contacted XXXX to see if my refund was released. XXXX assured me that it was released on XX/XX/XXXX. I contacted my bank and told them what XXXX told me. While talking to the bank representative they told me that the funds where returned on XX/XX/XXXX. Despite the fact that I had not even requested a refund till XX/XX/XXXX. Nor was there any proof of the refund in my online bank statement. Then was told that refunds could take anywhere from XXXX days to post to my account. On XX/XX/XXXX I check my account online to see if I might have gotten my {$240.00} back yet, my account still hadn't reflected the return. I started to look through my statement to double check on a couple other refunds I also had pending. As I looked through my account I noticed that my original purchase date of XX/XX/XXXX at XXXX was no longer showing in my statement. So I called my bank to find out why and was told that since I never made a purchase at XXXX they can't give me any information on a transaction that doesn't exist. So I sent all the screenshots I had proving that I did make the purchase and that I was due a refund from XXXX to my banks customer service email address. I checked back with my bank on XX/XX/XXXX and was told the never received an email from my email address. 

Also on XX/XX/XXXX I was charged multiple times by XXXX XXXX XXXX XXXX XXXX. I contacted XXXXXXXX XXXX and talked with their finance manager and figured out what happened. So the finance manager refunded the duplicate charges for both my wife 's and I 's account. Then on XX/XX/XXXX a representative from XXXX XXXX refunded an additional amount of {$130.00}. On XX/XX/XXXX two refunds hit my account in the amounts of {$130.00} and {$140.00} both refunds where from XXXXXXXX XXXX and where both refunds from my wife 's account. At this time I still awaiting a refund from XXXX for {$240.00} and another refund from XXXX XXXX for {$140.00}. 

Around XX/XX/XXXX, I was issued another refund from XXXXXXXX XXXX in the amount of {$130.00} on XX/XX/XXXX I received the refund of {$130.00}. On XX/XX/XXXX my bank statement says I was credited {$140.00}, however I only received {$67.00} if the {$140.00} ( {$77.00} still missing ). There have been no other charges pending nor anything showing up in my online statement that would account where the missing {$77.00} is. Also around XX/XX/XXXX yes my account was over draft by - {$45.00}. I deposited {$10.00} to help get my account out of the negative. Well my statement shows I deposited the {$10.00} but it never reflected in my actual balance, nor did any of the micro transactions that where made to my account. 

So now at this point I am still waiting for a refund from XXXX for {$240.00}, {$77.00} remaining from XXXXXXXX XXXX  and {$10.00} deposit. So in total I'm still awaiting {$320.00}.

Company response to consumer: Closed with explanation