Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #5688216

Complaint Overview

Complaint ID: 5688216

Company: Card Corporation

Product: Credit card or prepaid card

Sub-Product: General-purpose prepaid card

Issue: Problem with a purchase or transfer

Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer

State: Oklahoma

ZIP Code: 741XX

Date Received: 2022-06-20T12:00:00-05:00

Date Sent to Company: 2022-06-20T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On the XXXX XXXX of XXXX a dispute was filed for the amount of XXXX and this is the total for several Atm transactions that appear on my statement as if i had received the money when the real thing was that i could not take money out at times because for some reason the card on times it was giving me the error of insufficient funds and or to contact the institution and it lock the account until i called them. Well anyways on the XXXX of XXXX of 2022 the dispute was filed and they asked for the papers to be signed and return which i did and the investigation started, they told me that it could take up to 45 days and that they would give me the provitional credit which they never gave me they said because at the end i did not qualify for the credit that i had to wait until there was a update. ok when the 45 days where almost up i called to check on the dispute and the rep told me that the case was still ongoing and that it was going to take up to 90 days to get a resolution and then well i got really mad because they had never explained that to me they had initially said only up to 45 days now it was up to 90 days this was ridiculous but ok i could not do anything other than to wait for the update or the 90 days whichever, was coming XXXX have been calling them every other week to check on the update and they always said they did not have anything yet to wait for the 90 days, today being the XXXX day XXXX day before the time was up if they did not have an update from the merchant they needed to put that amount back on my account well this is where i find it really absurd and ridiculous that today being the XXXX day XXXX day before they had to put the money on my account they have an update on the account and the update is that there was no error on their part that the merchant provided proof of the funds being given to me wich is not true i did not get anything and i requested for them to provide to me a copy of the proof that the merchant provided to them since i have the right for that document and the supervisor her name is XXXX from the customer service department but she is the supervisor she said that they could not provide me with any of that that the case was closed and they could not do anything about this case anymore so basically this is me loosing my money of course i want the proof because am not going to loose my money that money was not given to me at all and just because of them knowing that the deadline for the 90 days was on XX/XX/XXXX and that if the merchant did not provide nothing yet they were going to have to issue the money to, this is not right if they did this or they came to the conclusion that it was not an error and they where going to denied the claim just because they did not want to give me my money this is wrong and more wrong is them not wanting to give me the copy of the proof that the merchant provide to them i have the right to that information please help me

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Disclaimer

This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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