Checking or savings account -- Managing an account -- Complaint #6383108

Complaint Overview

Complaint ID: 6383108

Company: Adp INC.

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Sub-Issue: Problem using a debit or ATM card

State: New Jersey

ZIP Code: 08081

Date Received: 2022-12-31T12:00:00-05:00

Date Sent to Company: 2022-12-31T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Tags: Servicemember

Consumer Narrative

My bank card and account are administered by Wisely, ADP is the agency that handles the fraud complaint. I had XXXX unlawfully deducted from my account on XX/XX/2022. There were 3 withdrawals made in XXXX XXXX NJ, one for {$500.00} made at XXXX XXXX est this was at a XXXX XXXX located on XXXX XXXX in XXXX NJ. One for {$300.00} made at XXXX XXXX est from a XXXX ATM located on XXXX XXXX in XXXX NJ. One for {$180.00} at XXXX XXXX est from the same XXXX ATM located on XXXX XXXX in XXXX NJ. The times are important as you will see. My ATM card has a cash withdrawal limit of {$1000.00}, also important as you will see. There was also an attempt from a XXXX XXXX ATM located in XXXX at XXXX and XXXX on the XXXX of XX/XX/2022. I live 2 to 2.5 hours away from XXXX NJ and XXXX, I have never made any type of banking transaction anywhere near that area, and my card CAN NOT be used OUTSIDE of NJ without first going on-line and allowing out-of-state transactions to happen. I found out about the unlawful charges on XX/XX/2022 at XXXX est, and reported the unlawful transactions immediately. Calling the bank at that time. I was told to wait for a letter that I would have to sign and return. That " Statement of fraud '' was received via US mail delivery, on XX/XX/2022, I immediately filled it out and returned it to the email address on the letters as directed. We received a DENIAL letter on the XXXX of XX/XX/2022, alerting that " The investigation has been finalized and we've determined that there was no error. Records analysis indicated that no fraud has occurred as investigation results match the information on file. No credit will be issued. '' Upon receipt of the letter I called the bank and inquired as to when the investigation took place and was told that a determination was made on the XXXX of XX/XX/2022, and the letter was sent out the next business day. How could an investigation take place in the short amount of time from when I emailed the " Statement of fraud '' letter at XXXX XXXX est on the XXXX, and the result of the investigation had been completed on the XXXX of XXXX? A TRUE investigation would have noticed that there was a withdrawal at XXXX, and then another withdrawal at XXXX, over 100 miles away, and takes 2 hours to drive to. Not to mention the XXXX withdrawal that I DID MAKE at XXXX should have been DECLINED for breaching the XXXX cash limit withdrawal PER CARD. I should have been notified on the XXXX that an attempt to use my card was made in XXXX which also breaches the out-of-state card notification. What kind of investigation was completed??

Frequently Asked Questions

Disclaimer

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

Related Pages

• Adp INC. Company Profile
• Checking or savings account Complaints
• Managing an account Complaints
• New Jersey Complaints
• Company Rankings
• Company Directory
• Search Complaints