Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5989437

Complaint Overview

Complaint ID: 5989437

Company: Webster Bank, National Association

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Sub-Issue: Transaction was not authorized

State: Connecticut

ZIP Code: 061XX

Date Received: 2022-09-16T12:00:00-05:00

Date Sent to Company: 2022-09-16T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

On XX/XX/XXXX, I made a transaction with a company called XXXX XXXX. The company stated in order for me to receive a refund, I needed to cancel the service within 3days. Service was cancelled the same day and the company agreed to refund me the amount of {$380.00}. I filed a dispute on XXXX in regards to a charge of XXXX from a merchant XXXX XXXX APARTMENTS. I filed a dispute because the merchant stated in XXXX they will refund me the amount and i should wait 30days. After waiting until the end of XXXX and not receiving the check, I contacted Webster Bank to inform them of the situation and told them I would like to dispute the transaction because the merchant stated they will refund me and never did. Webster Bank initiated the dispute and provided me with provisitional credit. In XXXX I received a call from XXXX XXXX stating they will not be refunding me anymore because they received documents from Webster Bank stating I was disputing the transaction. Mind you I have back and forth emails between the merchant and I. Merchant kept lying to me stating they were mailing me a check and didn't. On XX/XX/XXXX, {$380.00} was debited from my checking account from Webster Bank in regards to my dispute. They stated my dispute was denied because I didnt provide the documents they requested. I informed Webster Bank that I never received any documents from them because I am currently not at the address they sent the documents to. I explained to them I go to school in a different state, ( TEXAS ) and I am currently in Texas until XXXX. I told Webster Bank I wasn't aware they were sending me documents. I proceeded to update my mailing address after I gave it to them previously. I requested they reopen the case since I never received the documents they sent me. On XX/XX/XXXX at XXXX I spoke to XXXX in the dispute department she informed me the dispute that was reopened was denied because I didn't send the information the first time they requested. I informed her again that I never received the documents! She proceed to tell me there's nothing she can do and I need to contact the merchant. The merchant told me because I disputed the transaction, they can not send me the check anymore. But the same Merchant previously lied and told me they already sent me the check back in XXXX but NEVER DID. On XX/XX/XXXX I faxed Webster Bank informations between the merchant and I. I faxed them email of me requesting my Money from the merchant and the responses from the merchant as well. Now {$380.00} is missing from my account and the Merchant is refusing to refund it now and Webster Bank IS TELLING ME there's nothing they can do!

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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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• Webster Bank, National Association Company Profile
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