Credit card or prepaid card -- Unexpected or other fees -- Complaint #5382861
Complaint Overview
Complaint ID: 5382861
Company: Conduent Incorporated
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Unexpected or other fees
State: New Mexico
ZIP Code: 871XX
Date Received: 2022-03-29T12:00:00-05:00
Date Sent to Company: 2022-03-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On or about XX/XX/XXXX, I received my Statement for the debt card in the mail. When I opened the statement I was astonished to find that unauthorized charges had been drawn on my account. I immediately started a fraud claim with EPPICARD case no. XXXX. They told me I was to wait for the forms to fill them out. They gave me a dead line of XX/XX/XXXX, however they mailed it late but I faxed the filed out forms and contacted customer services. The purpose of the late mail was to insure I did not get the forms in time. There is a 10 day window. The charges started occurring on or about XX/XX/XXXX. I did not see any charges in the rest of the month of XX/XX/XXXX. The charges were made in XXXX by a company called XXXX in XXXX and a company in XXXX call XXXX : XXXX XXXX XXXX I have never had a relationship with these companies, I also did not use my card very often as I was saving the amount on the card for an emergency. I would only use sparingly, gas, food, in the XXXX area. I sent an itemized list of the charges and the fee 's which were collected by EPPICARD for the international transactions. the total amount I have lost is {$4900.00}. I have also provided affidavits which state I never lost control of the card nor did I authorize any charges. Furthermore I did not have any relationship with the companies who took the money. I contacted eppie card on XX/XX/XXXX and talked to their representative who told me the claim of fraud had been denied on XX/XX/XXXX, I had only faxed the forms over on the same day. How did an investigation get done so quickly. I recieved a letter on XX/XX/XXXX which stated they did an investigation and determined I had a relationship with the companies who did the fraud. XXXX card allowed successive charges on the same day XXXX over 6 times. XXXX allowed charges over the amount which was in the account and reversed the charge but did nothing to flag the card as it was under attack. I have also come to find out it is a habit of eppicard to deny fraud charges and I have viewed several lawsuit. I contacted XXXX XXXX on XX/XX/XXXX and was told the card number was still active, this was after EPPICARD had allegedly closed the account. XXXX XXXX gave me a reference number for the fraud claim. I was further told it was wellsfargo who was the issuing bank. When I called XXXX they denied having anything to do with EPPICARD. However on the back of the card it states. " this card is issued by XXXX XXXX, XXXX pursuant to license from XXXX XXXX XXXX. The terms of service state zero 0 Liability, EPPIECARD calls itself the " BANK '' when in fact the " BANK '' is XXXX. It is my belief, EPPIECARD is purposefully denying claims to accounts which have been compromised in order to profit from it. It is XXXX who insures the lost money, did EPPIECARD put forth a claim with XXXX? or XXXX XXXX? EPPICARD has breach the contract of their terms of service agreement.
Frequently Asked Questions
What is Complaint #5382861 about?
Complaint #5382861 was filed against Conduent Incorporated regarding Credit card or prepaid card specifically about Unexpected or other fees. It was received by the CFPB on 2022-03-29T12:00:00-05:00.
How did Conduent Incorporated respond to this complaint?
The company responded with: "Closed with explanation". The response was not timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Conduent Incorporated?
Yes, visit the Conduent Incorporated company profile at readthecomplaint.com/company/conduent-incorporated to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.