Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc.
State: OH

Complaint narrative:
My payroll deposited into my account on XX/XX/XXXX, while I was working, and I didn't receive notification as I requested for my bank to notify me every time a transactions or deposit is made ( they didn't ). When I took a break at work, I checked my phone and had five transaction text FROM WISELY as follows- ( {$100.00} XXXX XXXX XXXX XXXX XXXX {$100.00} XXXXXXXX XXXX XXXX  XXXX XXXX {$71.00} XXXX XXXX - {$20.00} XXXX XXXX )- ( {$120.00} XXXX ) Each one of the text asked 'Yes if this was you, reply NO to LOCK card. INFO for info. XXXX  to opt-out ''. I was unaware my deposit even hit my card yet and obviously didn't make any of these. I responded NO, and they text me back giving me a number to call and stating they locked my card. I returned to work and soon as I got off, signed in checked my card to find {$860.00} was gone from several XXXX * EATS PENDING XXXX XXXX All fraudulent transactions that I even responded too and had my card locked just 2 hours before. I called urgently explained I've been working and that none of these transactions were me, I ordered new card, opened up a dispute, begged for provisional credit as this was and now is causing a server finical hardship, asked about making a police report and reaching out to XXXX ( which I did ). I was told I'll receive mail in 3-5 days and to fill it out and email it to them, I stated the urgency and asked is there anyway I can do it online for quicker process rather than waiting with my bills being due they declined. I reached out to XXXX  and several times they were able to find that my card information was linked to other accounts not being me and were able to block the users from my card and clarified that they can comply with any request from me, my bank, or the police as they ruled out all the transactions as fraudulent and unauthorized, and to feel free to share there response with my bank as they understand the urgency. I emailed the documents over to WISELY and called several times, even spoke to a supervisor, expressing to them that I have proof and documents for the disputes and to please review them, they refused to even with me telling them that I will file against them for refusing to investigate and receive proof of the fraud, I also called several times and expressed that I never received the mail for the disputes from them, they lied and said they didn't have my right address, but this is untrue because I received my new card, still no update provisional credit, or compliance. I reached back out to XXXX and they stated they will fully refund the amounts from the transactions back to my bank account and that they are currently processing and to contact my bank if I don't receive them within XXXX to 5 days. I didn't receive them, reached out to my bank they told me there's nothing they can do and nothing is processing and refused again to receive or review the documentation from XXXX stating that they were fraudulent charges, also refused any provisional credits even with knowing I have proof of them being fraudulent and XXXX was willing to talk with them as XXXX said they tried to. I begged for help they refused. I contacted XXXX again about the returns and then they said that the transactions are fraud but they can't return the money now as they tried, ( This happened on several threads of contact. I called my bank again yesterday still refused to receive or look at the documents and give any help, I spoke to a supervisor and told him I'm filing a complaint due to their wrong doings and hardship its causing etc., I asked for his information and he refused to give any and hung up on me. 



These are the fraudulent transactions on XX/XX/XXXX made after I stated I wasn't making them and my card was supposed to be locked after. 


ALL FROM XXXX * EATS PENDING XXXX XXXX {$21.00} {$200.00} $ {$24.00} {$59.00} {$35.00} {$91.00} {$64.00} {$55.00} {$92.00} {$42.00} {$59.00} {$51.00} {$59.00} TOTALING {$860.00}

Company response to consumer: Closed with explanation