ADP Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
12/18/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IN 46805	Web
BUSINESS ASSOCIATION BREACH & HIPPA/ MEDICARE INSURANCE VIOLATIONS & FRAUD TO IMPROPERLY EXTORT, STEAL & UNLAWFULLY WITHDRAW MY MONEY BY ABUSIVE & INVALID GARNISHMENT ACTIONS PETITIONERS FOR IMMEDIATE OFFICIAL INVESTIGATION OF THIS ABUSE & FRAUD IMPROPER USE OF THE JUDICIAL SYSTEM : My complaint is against a Hospital and Medical Provider XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN, and their unlawful/non-bonafide business associates : XXXX XXXX XXXX XXXX XXXX for MEDICAL IDENTITY FRAUD, THEFT, & DIRTY CLAIMS FRAUD. The Provider and its unsanctioned are pursuant to policy XXXX XXXX XXXX XXXX and Aggravated/Aggressive Predatorial `` Debt Collector '' knowingly abrogating & evading the requirements of the EMTALA program of the Federal government for uninsured Patience ( s ) .To unlawfully violate the HIPPA LAWS & HIPPA 'S PRIVACY/SECURITY LAWS and caused " UNLAWFUL BREACH '' to sell " BUNDLES OF ALLEGED BAD DEBTS '' that are in majority of cases supposed to have been paid by the " FEDERAL GOVERNMENT MEDICAL ASSITANCE PROGRAM ( S ) LIKE THE EMTALA ''. Fraudulently including with submission to the Government for payment said hospital " DOUBLE DIPS '' and sales of these " BUNDLES OF ALLEGED BAD DEBTS '' to Aggressively Predator " DEBT COLLECTORS '' who are also 9 out of 10 not even properly contracted as XXXX XXXX XXXX XXXX XXXX' as required by the HIPPA STATUES according to subtitle D of the ARRA, SEC. 13401, APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 1307 ( 1 ) BREACH SECURITY ; Title 15 U.S.C. sect ( s ) 1692g and 1681-1692 et seq., as well. Also, the revised section of the Social Security Act 1176 ( a ). Not acting in the best interest of the Public or this former XXXX XXXX XXXX XXXX XXXX. The hospital is knowingly & willfully Entrapping uninsured and/or low-income patients into illegal Debt traps with the private and personal information they obtain from the patients under the disguise that such information is needed for their medical care and payment from the State to the hospital on their aka the patient 's behalf. A potential BREEDING GROUND for corruption and deceptive business practices. On XX/XX/XXXX, said law firm of XXXX XXXX XXXX XXXX had been stalking this Petitioner to Extort money from this petitioner at his former place of employment with STRATOSPHERE QUALITY LLC, to take advantage of the petitioner 's vulnerable former status as a Patient with XXXX XXXX XXXX. Pursuant to the bogus Request for Affidavit Signature and Assignment of Debt said the law firm has been stalking said petitioner before the signing of the bogus/fraudulent agreement with the Hospital XXXX XXXX XXXX XXXX XX/XX/XXXX during the time of the National Pandemic and after post patient 's discharge from the hospital unbeknown to him. Said the law firm was stalking this petitioner to erroneously collect on an alleged " DEBT '' before the firm had even purchased the alleged " BAD HOSPITAL DEBT '' from the Hospital. The Law firm didn't even own it before XX/XX/XXXX ; yet they were still attempting to collect. Unsavory Business & Debt Collection Practices. UDAAP & FDCPA Act violations. One XXXX XXXX, XXXX of XXXX XXXX conspired and XXXX to violate HIPPA requirements and security, her position and the Hospital 's position of Trust and the patient 's right to privacy to sell alleged " BAD HOSPITAL 'S DEBTS '' to XXXXXXXX XXXX XXXXXXXX XXXX XXXX to patients that the private and personal information they gave to the hospital would eventually be used against them in this manner. Unlawful exposure of this Petitioner 's personal and private information and security breach. By impermissible use and disclosure under the Privacy Rule that has compromised the security and privacy of this Petitioner 's health and financial information. Said attorney XXXXXXXX XXXX XXXXXXXX XXXX is not even a " Covered Entity '' as required by the HIPPA Privacy & Security Rule. XXXX XXXX violated the rules by failing to 'safeguard ' said Petitioner 's private & protected health information from Misuse. Even being a " Covered Entity ' that 'Covered Entity ' is only allowed by law to use protected Health and Private Information to carry out its Health Care functions. Not for the business Associates ' Independent use or purposes. The law firm had not had any " Health Care Functions ''. Violating HIPPA RULES ( Privacy Security ) Breach Notification and Enforcement Rules 45 CFR Part 160 and Part 164 et. seq. Failing to use appropriate safeguards by XXXX XXXX as required by Subpart C at 45 CFR Part 164 with respect to electronically protected health information to prevent disclosure of protected health information other than as provided by the Agreement. XXXXXXXX XXXX XXXX has never provided any evidence that they are holders of proper Business Associate agreement with XXXX XXXX XXXX to be having access to such private information as required by 45 CFR 160.103 Administration Simplification Rules as well. And is deemed by law to be an '' Unauthorized Person '' under the statute. XXXX XXXX XXXX and its XXXX XXXX XXXX XXXX and or enact the required 'Breach Risk Assessments ' before selling off any of the alleged " Hospital 's BAD DEBTS '', also required under the statute. Being a 'Serious Health and Safety Breach ' having a Reckless disregard for the 'risk ' of harm erroneously imposed on another ; aka this Petitioner. THERE IS NO BONAFIDE OR CONTRACTUAL AGREEMENT BETWEEN EITHER OF THESE PARTIES IN QUESTION FOR A COURT TO DRAW ITS RULING FROM OR GIVE ANY COURT AUTHORITY AT REM OR OTHERWISE TO HOLD THIS PETITIONER LIABLE FOR A CONTRACT THAT NEVER EXISTED. iS UNACCEPTABLE FOR ANY SYSTEM PURORTING TO BE A JUST SYSTEM OF LAW. EVIDENCE OF PUBLIC CORRUPTION AT ITS FINEST. WHERE HEARINGS WITHIN THE SMALL CLAIMS COURT AND COURT OF APPEALS ARE A XXXXXXXX XXXX AND ONLY FOR THEIR PEERS TO OBTAIN ACCESS TO CONTRADICTORY TO THE PROHIBITION ( S ), OBLIGATION ( S ), DEMAND ( S ), AND GUARANTEE TO PETITION & ACCESS OF THIS STATE & FEDERAL CONSTITUTION ( S ). BASED UPON THESE JUDGE 'S, MAGISTRATE 'S, AND APPEAL JUDGES ' HIDDEN POLICIES AND PROCEDURES OUTSIDE THE STATE AND FEDERAL LAWS OF FED. ( & STATE ) R. CIV. PRO. & LAW. DUE TO SPECIAL PREFERENTIAL TREATMENT FOR THEIR ALLEGED BAR-LICENSED ATTORNEY ( S ) & COLLEAGUES MADE IT IMPOSSIBLE FOR THIS PETITIONER TO OBTAIN ANY RESEMBLANCE TO A FAIR & IMPARTIAL HEARING OR TRIAL BEFORE THEIR COURTS. DUE TO ALLEGED " PRO SE LITIGANTS '' BEING UNLAWFULLY PREJUDICED AND DISFAVORED BY THE COURTS. AND MAGISTRATES CROSSING THE LINE IN BECOMING ADVOCATES FOR THE COMPLAINED ABOUT ATTORNEY ( S ) AND ITS FIRM LISTED HEREIN. AND ADVERSARY TO THIS UNWITTING AND ORIGINALLY UNSUSPECTING PETITIONER. By purchasing these " BAD HOSPITAL DEBTS '' the law firm of XXXXXXXX XXXX XXXXXXXX XXXX was " PROHIBITED '' by the Doctrine of " Volenti Non-Fit Injuria '', the plaintiff 's consent serves as a defense AGAINST HIM. The doctrine clearly states and is well-settled in law that If a person consents to harm committed upon him, that person can not be permitted to sue the other for the tort. Consent to such harm can be either implied or expressed. In the case of express consent, the consent is open and either verbal or contractual. And XXXX XXXX XXXX XXXX invited its own Harm by purchasing " BAD HOSPITAL DEBT ( XXXX ) '' they knew they probably could not " COLLECT UPON ''. Therefore, they had No right to Equity. Equity by law was not supposed to be afforded to them, under the above doctrine and the Doctrine of " Unclean Hands. '' Totally obliterating their obligations and requirements under the Fair Debt Collection Practices Act also known as the " FDCPA '' prohibitions. Under this Act ( Title VIII of the Consumer Credit Protection Act ), third-party debt collectors are prohibited from using deceptive or abusive conduct in the collection of consumer debts incurred for personal, family, or household purposes. The law firm was committing acts of " DECEIT '' by using improper communication tactics and unlawfully and abusively using the Courts as a Weapon through 'irregular proceedings ' as a means of Intimidation in their unlawful attempts to collect an alleged " debt '' ; & contact said Petitioner through all 'undeliverable '' mailing addresses of this said petitioner. To obtain unlawful tactical advantages and judgments against said Petitioner by unscrupulous, deceptive, and unjust means to rob this Petitioner of his rights to contest their unlawful acts. Even after the Law firm was able to ascertain said petitioner 's correct address from the employees, these attorneys were coerced into releasing yet again, other private and personal information of this Petitioner. These attorneys would still use the incorrect address to give the false & misleading impression that they were contacting this Petitioner to the Courts when the law firm knew they were not. Falsifying information to authority is a criminal offense under Title 18 U.S.C. sect. 1001,241,242,287,1621, 1623, 208, 876, 981 Civil Foreciture ( C ), ( D0 et. seq., and other applicable laws, including Perjury ; Subordination of Perjury, and Aggravated Perjury. Offense of Perjury -carries a maximum penalty of ( 7 ) seven years of Imprisonment and/or fine. Aiding & abetting or INCITING AN OFFENCE OF PERJURY, ( in which XXXX XXXX XXXX and the attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ; with XXXX XXXX and XXXX XXXX false affidavits ), Is also an INDICTABLE OFFENCE SUBJECT TO THE SAME MAXIMUM PENALTY. Which Negatively affected the issues at hand and erroneously affected and INFLUENCED THE COURTS. See the Perjury Act of 1911. Indiana Code 35-44. 1-2-1 Perjury A-Class ( 6 ) Felony. Is an " Injury-in-fact-on Invasion of legally protected interest '' that is both " concrete and particularized '' and " actual or imminent '' in accordance to and with Lujan vs. Defenders of Wildlife, 504 U.S. at 560-61. Even before XXXX XXXX XXXX XXXX purchased the " BAD HOSPITAL DEBT '' from XXXX XXXX XXXX XXXX XXXX XXXX XXXX solicited the assistance of Automatic Data Processing Inc., trade name " ADP ''. XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX had been tossing around and fully disclosing my Personal social security number around in and out of public records, to any and all employees and other members of alleged teams and employers without my knowledge or consent ; in violation of Employer/Employee work relationship violating their position of trust. In violation of the FDCPA requirement of information that could be disclosed. Violation of a Privacy Law produces an immediate injury in fact sufficient to confer Standing under Article III. " Unjustifiably high risk '' of violating the statute ( s ). According to Title 15 U.S.C. sect. 1692 Rule 809 ( a ) XXXX XXXX XXXX XXXX was required to send notice to said Petitioner that they were attempting to collect a debt before any so-called Court action were to occur ; which is known to everyone in the " DEBT COLLECTION MARKET & BUSINESS ''. This is what is called a " Dunning Letter '' which is to give said Petitioner the right to Dispute any alleged debt in their initial communication. Said Petitioner was denied this right and said attorney ( s ) thwarted proper process and procedures and went straight to court action in violation of the FDCPA rules as stated above and FDCPA rule 1696g ( 5 ) ( b ) the debt collector shall CEASE COLLECTION OFTHE DEBT, or any disputed portion thereof until the debt collector obtains verification of the " DEBT '' or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment or name and address of the original creditor is mailed to the consumer by the DEBT COLLECTOR. [ cited in relevant part ] Any collection activities and communication during the ( 30 ) day period may NOT OVERSHADOW or be INCONSISTENT WITH THE DISCLOSURE OF THE CONSUMER 'S RIGHT TO DISPUTE THE " DEBT '' or request the name and address of the original creditor. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an " INITIAL COMMUNICATION '' for purposes in subsection ( a ). ( XXXX ) Notice provisions. The sending or delivery of any form or notice that does not relate to the collection of a debt and is Expressly required under Title 26, Title V of Gramm-Leach-Bliley Act 15 U.S.C. sec. 6801 et. seq., or any provision of Federal or state law relating to Notice of DATA SECURITY BREACH OR PRIVACY, or any regulation prescribed under any such provision of law, shall not be treated as an Initial communication in connection with debt collection for the purposes of this section. Pub. L. 90-321, Title VIII, sect. 809, as added Pub. L. 95-109, Sept 20, 1977, 91 Stat. 879 ; amended Pub. L. 109-351, Title VIII, sect. 802, Oct. 13, 2006, 120 Stat. 2006. 1692j ( a ) Venue. ANY DEBT COLLECTOR who brings any LEGAL ACTION on a debt against any consumer shall - ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only ion judicial district or similar legal entity ; ( A ) in which such consumer SIGNED ( the law firm knowingly entered a lawsuit on behalf of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX as the plaintiff with NO SIGNED CONTRACT between this Petitioner and any of the aforementioned Parties, and No contract between this Party and that of XXXX XXXX XXXX either ), the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action ( XXXX XXXX XXXXXXXX XXXX initiated an older case in order to ENLARGE a judgment from another cause in XXXX XXXX XXXX XXXX to their own to outdated and obselete addresses the attorney ( XXXX ), ADP and the Courts knew were " undeliverable '' to said Petitioner to get an upperhand and get a SECOND JUDGMENT PROHIBITED BY LAW & CLAIMED BARRED BY RESJUDICATA 'S ISSUE PRECLUSION & CLAIM PRECLUSION '' ), ( b ) Authorization of Actions. " NOTHING in this subchapter SHALL BE construed to authorized the bring of legal actions by " DEBT COLLECTORS '' ( Therefore, XXXX XXXX XXXX XXXX was forbidden & PROHIBITED by statue from bring suits in their own name. ). Interfering with the Proper & General Government Administration & Operations. Pub. L. 90-321, Title VIII, sect. 811, as added Pub. L. 05-109, Sept. 20, 1974, 41 Stat. 880. ). Unconstitutional ( statutorily ) per se In US law, the term illegal per se means that the act is inherently illegal. Thus, an act is illegal without extrinsic proof of any surrounding circumstances such as lack of scienter ( knowledge ) or other defenses Acts not done in Good Faith. The attorney ( s ) at XXXX XXXX XXXX XXXX has violated Indiana 's Rules of Professional Conduct 8.4 ( c ) Engaging in conduct involving dishonesty, fraud, deceit, or misrepresentation ; ( d ) Engaging in conduct that is Prejudicial to the administration of justice., 84 ( g ) ,3.1 Diligence, 1.4 Communications, 3.1 ( filing Non- ) Meritorious Claims and Contentions, 3.3 Candor toward the Tribunal, 3.4 Fairness to Opposing Party and Counsel, just to name a few. Byway and through XXXX XXXX XXXX and XXXX XXXX XXXX 's ( who in the law firm has unlawful contact, communications, and undue influence with the courts, and people knows he wheels his position to influence the courts in his law firm favors to obtain illegal and improper judgments for their benefits outside the rules of law ), Illicit UDAAP and commercial practices as prohibited by the FDCPA., FAIR DEALINGS, AND FAIR CREDIT TRANSACTIONS, AND OTHER LAWS & CRIMINAL CODES. XXXX XXXX is in the business of ILLICIT COMMERCE OF BUYING " BAD DEBT '' AND UNLAWFULLY ASSIST CLIENT TO COLLECT ERRONEOUS DEBTS THAT IS UNCOLLECTIBLE AND ENFORCIBLE BY LAW ; WHEREAS THOSE XXXX XXXX AND AND HER CLIENTS SHOULD KNOW OR SHOULD HAVE KNOWN THE RISK OF HER AND HER CLIENT NOT BEING ABLE TO COLLECT OR RECEIVE PAYMENTS ON THOSE " BAD DEBTS '' THAT RENDERS THEIR ALLEGED RIGHTS TO BE UNENFORCIBLE ACCORDING TO THE LAWS OF EQUITY AND THE DOCTRINE OF " VOLENIT NON-FIT INJURIA '' FORFITURES. XXXX XXXX is in direct conflict and direct violation of R. 8.4 which states it's professional misconduct for a lawyer to ( a ) violate or attempt to violate the Rules of Professional Conduct knowingly assisting or induce another to do so or do so through the acts of another ; ( b ) commits a criminal act that reflects ADVERSELY on the lawyer 's honesty, trustworthiness or fitness as a lawyer in other respects. XXXX XXXX had or should have, I, am sure, access to the XXXX XXXX XXXX file and should have been better able to advise them that they had no lawful recourse against my brother XXXX XXXX XXXX. XXXX XXXX was an is well aware of the action being taken against her client XXXX XXXX XXXX by the CFPB for abusive and predatory credit extension where they lure in low-income and those most vulnerable into their Credit scheme where their borrowers are SET-UP TO FAIL so they can charge them unlawful 8th Amendment Excessive Fees & Fine violations aka JUNK FEES to booster their brofits and still steal the people 's care and " DOUBLE DIP '' AND SOMETIME TRIPLE DIP and obtain money for the resale of the care and FALSE & FICTITIOUS INSURANCE CLAIMS. But yet all in all, instead of XXXX XXXX refusing to continue with representation, XXXX XXXX continues her unlawful representation and XXXX and abet her clients to violate and BREAK THE LAW. Violating 8.4 ( b-e ) Violating Indiana Criminal for Aiding and Abetting the commission of a crime and being an accessory after the fact. See action by the Consumer Financial Protection Bureau vs. XXXX XXXX, attached herein at length as fully set herein. Also, notice that the same actions are being taken against XXXX XXXX ' clients in many other states by the Office of Attorney General for the same abusive and predatory tactics they are attempting to take against my brother now. XXXX XXXX is using her license for an " IMPROPER PURPOSE '' not to obtain and seek justice for her clients, but to use and Manipulate the Judicial Process as a WEAPON against the people of this State and compromise the Integrity and Impartiality of the Judiciary ; to bring it into ill-repute.. Being in direct conflict with R. 8.4 ( e ) state or implying an ability to influence improperly a government agency or official to achieve results by means that violate the Rules of Profesional Conduct, or other laws ; ( f ) knowingly assist a judge or judicial officer in conduct that is a violation of applicable rules of Judicial Conduct or other law, Recklessly Endangering Another Person. Title 18 U.S.C.sect. 27045. OVERBILLING< UNEARNED FEES, ILL-GOTTEN GAINS ; Vexing others with UNJUST AND VEXATIOUS LAWSUITS : UNNECESSARILY SPURNING THE COST OF LITIGATION. R.8.4 ( g ) Engaging in conduct in a professional capacity Manifesting, by words or conduct, bias or prejudice based upon race, gender, religion, national origin, XXXX, XXXX orientation, age, SOCIAL ECONOMIC STATUS, or similar factors [ cited in relevant parts ] rendering XXXX XXXX and unfit, undeserving, illegitimate advocate that needs to be removed & disbarred ; for patterns, secretly and out in the open, of repeated offenses like her clients that can not continuously go UNPUNISH. Countless Private Citizens have gone to jail and spent their lives in prison for less. Petitioner asserts that said Attorney is and should be Amendable to the entire Criminal Law and be held to endure its consequences for violations as mentioned herein. And for her continuance to representing clients she knows to have or intends to break the law makes her underserving to be an Officer of the Courts for she has No characteristics that are unbecoming of an Officer of the Courts. And the people are in imminent danger of her continued ability to practice law in the State of Indiana for the people at large are " AT RISK ''. XXXX XXXX ' behavior shows that she clearly possesses the ability to fulfill her duties and obligations as a professional lawyer and will not and can not be trusted nor accounted upon to follow the rules and act in accordance with the professional standards of a lawyer. Therefore, I move that an Official Investigation be opened up against XXXX XXXX for her unprofessional acts and misconduct as an attorney in my brother 's case and many other causes within XXXX XXXX and other Counties where she practices before the courts within the State of Indiana. Also, I move that the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX be placed under investigation as well because they are the ones that are keeping and collecting data and personal information and dissimulating it to Companies and Lawyers personal and private information of litigants unbeknown to them and without the authority of law violating People Privacy and compromising their personal and private information. Like XXXX and/or XXXX XXXX, and other Managers and Clerks within that office. Inclusions with Lawyers and Attorney firms to BENEFIT THE COURTS AND THEIR BOTTOM-LINE. Making Court Actions nothing more than purpose and motivation for Profit rather than Justice. Placing people of this and all communities PREY and VULUNERABLE to severe financial attacks, calamities, and in harm 's way the court 's vultures and extortionists. Aided by Unconstitutional Exercise of Government Power within the States ' Superior Court in XXXX XXXX XXXX of Indiana and I'm sure other counties as well, XXXX XXXX XXXX being the Most Glaringly Abusive and willingly manipulated. Rendering XXXX a Victim under Congress resend 1998 Identity Theft and Assumption Deterrence Act. This legislation created a New Offense of Identity Theft, which PROHIBITS " Knowingly transferring or Using WITHOUT LAWFUL AUTHORITY a means of Identification of ANOTHER PERSON ( private & personal information of which the clerks gave to XXXX XXXX XXXX 's lawyer ) ( but lied in other instances that they did not have his access and sent XXXX 's mail to other addresses. ) with the INTENT to commit or to aid, or abet, any UNLAWFUL ACTIVITY THAT CONSTITUTES A VIOLATION OF FEDERAL LAWS, or that constitutes a FELONY under any applicable State or local laws. Like Perjury, Subornation of Perjury, False Claims, and more just to name Like XXXX XXXX and XXXX XXXX coaching their employees to make False Affidavit as you would see in their fabricated complaint levied against XXXX in which they are NOT AN INJURED PARTY as explained above. Engaging in Misconduct for which these attorneys and their law firm should be disciplined and DISBARRED.
12/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NJ 07111	Web
On XXXX XXXX, XXXX, my consumer credit report from XXXX XXXX XXXX ADP and XXXX had violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana IslandsXXXX ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). ( Pub. L. 106102, title V, 503, Nov. 12, 1999, 113 Stat. 1439 ; Pub. L. 109351, title VI, 609, title VII, 728, Oct. 13, 2006, 120 Stat. 1983, 2003 ; Pub. L. 11494, div. G, title LXXV, 75001, Dec. 4, 2015, 129 Stat. 1787. ) 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] 16 CFR 313 Privacy of Consumer 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section XXXX of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. [ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXXXXXX from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ] 16 CFR 424.1Unfair or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. [ 54 FR 35467, Aug. 28, 1989, as amended at 79 FR 70056, Nov. 25, 2014 ]
10/08/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	FL 33179	Web
Today XX/XX/2022 I'm filing this complaint only because the FTC routed me here first. I've tried to rectify the problem with this company several times. I opened a dispute for a plethora of unauthorized charges on XX/XX/2022, yes I have used the merchant before in the past, which is why I only disputed the unauthorized charges! Fast forward to XX/XX/2022 my claim was closed claiming no error were found. As I stated before on a previous complaint last time the investigation coincidently closed right before 12 CFR Part 1005 ( Reg E ) for my provisional credit to kick in. I did everything correctly. Reported the charges in a timely manner, mailed in Statement Of FrauXXXX via XXXX XXXX mail with a tracking number, and called multiply times to check on my dispute. Each time this company gave me the run around and/or blatantly hangs up in my face, asking for a callback number before every call just not to call you back. The only thing done partially right by this company is issuing me a refund for my replacement card that I ordered expedited, which took longer than advertised. To my surprise I learned that the investigation was reopened on XX/XX/2022 without any notification from this company. Had I not call in I would've never known. Extremely unprofessional but I digress. After finding out the investigation was reopened I rightfully inquired on my provisional credit as that is well within my consumer rights. I was told by one Representative since the investigation was reopened I would have to wait the full 90 days! Can you believe this? Neither can I. My last complaint I also requested proof or any documentation proving their finding on my dispute which is also within my consumer rights, so I can forward to my attorney take a look. Was my request granted? No. I suspect that I wasn't provided that information because they didn't really investigate anything, just decided to side with the merchant! Today XX/XX/2022 after finding out the investigation was reopened I asked for provisional credit as like everyone else I have bills. I was told that a request must be made to that department and it can take another XXXX business days to receive a response not to receive my credit but a response, you would think there would be some urgency since Wisely is already in violation of XXXXode of Federal Regulations. I asked for the department direct phone number or contact and was told that there is no numbers because its an " Internal Department ''. 10 days have transpired since reopening the investigation Wisely By APD has failed to comply with Regulation E and is in Violation. There is no superiors/supervisor that you can be transferred to and every phone call is designed to make you give up on your hard earned money. The customer service agents each tell you a different lie. None of the agents are educated on consumer laws or customer service. I will be looking into filing a FTC complaint also. These people are borderline crooks, extremely miseducated, and need to be retrain expeditiously. I will end with this since rules, laws, and regulations seems foreign to the Financial Institution Wisely by ADP, 12 CFR 1005.11 - Procedures for resolving errors. ( c ) Time limits and extent of investigation - ( 1 ) Ten-day period. A financial institution shall investigate promptly and, except as otherwise provided in this paragraph ( c ), shall determine whether an error occurred within 10 business days of receiving a notice of error. The institution shall report the results to the consumer within three business days after completing its investigation. The institution shall correct the error within one business day after determining that an error occurred. ( 2 ) Forty-five day period. If the financial institution is unable to complete its investigation within 10 business days, the institution may take up to 45 days from receipt of a notice of error to investigate and determine whether an error occurred, provided the institution does the following : ( i ) Provisionally credits the consumer 's account in the amount of the alleged error ( including interest where applicable ) within 10 business days of receiving the error notice. If the financial institution has a reasonable basis for believing that an unauthorized electronic fund transfer has occurred and the institution has satisfied the requirements of 1005.6 ( a ), the institution may withhold a maximum of {$50.00} from the amount credited. An institution need not provisionally credit the consumer 's account if : ( A ) The institution requires but does not receive written confirmation within 10 business days of an oral notice of error ; or ( B ) The alleged error involves an account that is subject to Regulation T of the Board of Governors of the Federal Reserve System ( Securities Credit by Brokers and Dealers, 12 CFR part 220 ). ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation; ( iii ) Corrects the error, if any, within one business day after determining that an error occurred ; and ( iv ) Reports the results to the consumer within three business days after completing its investigation ( including, if applicable, notice that a provisional credit has been made final ). ( 3 ) Extension of time periods. The time periods in paragraphs ( c ) ( 1 ) and ( c ) ( 2 ) of this section are extended as follows : ( i ) The applicable time is 20 business days in place of 10 business days under paragraphs ( c ) ( 1 ) and ( 2 ) of this section if the notice of error involves an electronic fund transfer to or from the account within 30 days after the first deposit to the account was made. ( ii ) The applicable time is 90 days in place of 45 days under paragraph ( c ) ( 2 ) of this section, for completing an investigation, if a notice of error involves an electronic fund transfer that : ( A ) Was not initiated within a state ; ( B ) Resulted from a point-of-sale debit card transaction ; or ( C ) Occurred within 30 days after the first deposit to the account was made.
02/27/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90806	Web
T***DISPUTE CLAIM ATM Albertsons ( non-dispersal of requested cash - {$1000.00} ) withdrawal ) last 4 XXXX direct card # ending XXXX XX/XX/XXXX, XXXX ( Saturday ) XXXX ( XXXX ) XXXX To whom it may concern { Sir/Ma'am }, First of all, i would like to greet you a nice and a pleasant greetings and hoping your weekend goes well. Before anything let me verify my 6 last digits of my checking account and so just to pull up the issue and for which they're ignoring my complain't/dispute and how unprofessional are the supervisors of ADP XXXX Direct XXXX unacceptable act towards me through phone call, so the last six digits of my XXXX account. # { the account with {$1000.00} that includes the {$3.00} atm fee that i am disputing and being ignored by " ADP '' XXXX Direct- issuing bank by XXXX XXXX Bank XXXX XXXX } are XXXX and my email address is XXXX XXXX XX/XX/XXXX i got paid from my Job and it was direct deposited on my account at ADP XXXX XXXX in which my employer uses for payroll, statements and taxes for long time. On the other hand i went to XXXX a block away from the apartment at XXXX XXXX XXXX in XXXX XXXX to grab few item and to send money back in the XXXX for my family. since it was almost closing time at XXXX i have to quickly withdraw first some cash at the ATM inside of the store so i could send it out. I believes it was around XXXX pm in the evening because they closed at XXXX, i was requesting to withdraw some cash of {$1000.00}, but as soon it asked me if i accept the atm fee of {$3.00} the atm gave back my atm card " debit card '' and didn't dispense any cash. I asked the security guard who is sitting beside the entrance door beside the atm if there's something wrong with the atm or probably its out of funds. He replied hat the atm is working well the whole day and told me that there was a lot of people taking money out from the atm since its payday and close to holidays and that is the reason there was a lot of people using the machine. As soon i got back at the apartment i checked my account online and saw that the atm took my money and without dispensing any cash from the atm " i did not recieved any cash ''. The next day i've called the customer service and the agent was a bit unprofessional that he told me to call the dispute dept then i said can i have the phone number for that dept he replied they dont have it the number and just gave me the address. I wrote written dispute letter and mailed it in as priority mail on XX/XX/XXXX. After a week i called in again to check if they ever recieve my letter and the agent said they did not recieved anything upon looking att his screen with the notes then i said thats impossible i sent it as priority mail and checked online and verified that it was delivered on tuesday XX/XX/XXXX i got so frustrated that i never get send money to my family and kids back in the XXXX for XXXX and i know u understand what i feel in those moments. I told the agent would u pls tell me how to get through the Dispute XXXX then he said sure ill transfer u to them, i was so speechless and just didn't say anything for what the other agent told me about they dont have the phone number. Anyway as i spoke with the agent from dispute dept and and so as the supervisor with my request, they confirm to me that they didn't recieved my written dispute letter so i asked them if they could file it for me while im the phone with them then the agent replied " yeah sure ''. To make my story a bit short after a week i called again and the agent told me that nobody file a dispute claim for me so i made really sure that this agent im speaking with will file a claim for me in which she did and that was XX/XX/XXXX. See the days/weeks that had been wasted for false info and unprofessional they're telling customer instead of helping and resolving customers issues. So i been calling every day until the XXXX day comes and asked them hows the status of my claim they told me they still working on it and i have to wait for 60 days. So thats when i start lecturing them bec they should tell me that they would need more time for the investigation with my claim and to wait up to 45 days then should a provisional credit be temporarily credited on my account until the resolution of my claim come to end. But they kept telling me to wait for 60 days and asked them if they know about the Regulation E and they just kept telling me the same thing like i have to wait for 60 days and that goes with the supervisors and the moment got me really frustrated is they know im calling they just pick up the call then after they verify my identity they'll put me on hold for almost an hour and never come back and it happens several times and the worst is even the supervisor was doing the same thing. Its my hard working money im fighting for the stress they put me through and they can see all transaction that comes to my account as direct deposit from my job and i wont waste no time if this issue didn't straight out after what i gone through. So i told myself enough is enough i need to report this for help and thats why i am writing you this letter of mine regarding with the issue of my money, and how the customer service agents and supervisors treat me they dont have knowledge of the product they're working in an it end up that i was the one lecturing them. I cant put anymore stress in me for i have lots of stuffs in my mine and i needed help for this issue and hoping that you could help me resolving this and so i could have my hard working money back. Hoping to hear from you upon receipt of this letter of mine, thanks and God Bless. Addition : This is the info from " ADP '' XXXX Direct : My XXXXy Direct ADP- Compliance Solutions XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX Email address : XXXX XXXX
07/13/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA XXXXX	Web	Older American
This complaint relates to two transactions that occurred in XX/XX/XXXX with my payroll processor, ADP. I have worked diligently to resolve the issue for over 6 months, with no success. I am reaching out to the Consumer Protection Bureau as I seem to have no ability to bring ADP to the table to reach resolution. I am a small, one-person business. On XX/XX/XXXX, I submitted a payroll request to ADP. I realized after it was posted that it was incorrect. I called ADP to reverse the transaction and submit the correct one. The service representative assured me that the XX/XX/XXXX transaction was canceled. I then resubmitted the correct transaction online through the ADP portal on XX/XX/XXXX. My bank statement shows separate line items for wages and taxes taken by ADP. The first is the deduction for the incorrect payroll on XX/XX/XXXX, the reversal of this transaction on XX/XX/XXXX, and a further deduction on XX/XX/XXXX. On XX/XX/XXXX, ADP withdrew wages and taxes in the same amounts as the XX/XX/XXXX transaction. My bank, XXXX XXXX, denied this transaction on XX/XX/XXXX. On XX/XX/XXXX, ADP made a tax withdrawal against my XXXX XXXX account for {$35000.00}. I did not authorize this transaction. I have spoken to about 6 persons over the last 6 months trying to get my account straightened out. The person who is currently responsible for working with me, XXXX XXXX, does not answer my emails. The only way I can reach ADP is through email. The representatives can call me, if they choose, but I am not able to reach anyone by phone. It is clear to me, and to my CPA, that ADP has wrongfully deducted money from my account. I have been given many reasons for not returning this money to my account. Most prominent is that ADP submitted the {$35000.00} to the IRS and is unable to get it refunded. The company has also said that they are owed the {$35000.00}. I have spoken to the IRS on two occasions. The agency shows no record of the {$35000.00} being deposited against my account. At this time, I am being penalized until I pay the IRS the outstanding taxes due. The California Employment Development Department has also exacted penalties for taxes not being paid to that agency. The total tax and penalties amounted to {$8300.00}. I have paid the agency to avoid further penalties. I have not yet paid the IRS, trying to get ADP to acknowledge that the company is in error. It is my view that any penalties and interest charges for the unpaid taxes should accrue to ADP. They have taken the money from my account, but they have not handled it properly. At the very least, ADP should find out what was done with the funds they said were deposited to the IRS, but were never received by the agency. In addition to the XX/XX/XXXX transaction, the IRS received {$5500.00} from ADP on XX/XX/XXXX to be credited to my tax account. I do not know why this amount was sent in. I have had no payroll activity since XXXX, XXXX. The IRS can only tell me that they received the money from ADP. ADP files quarterly 940 and 941 statements with the IRS. The fourth quarter XX/XX/XXXXW2 shows that ADP withheld {$32000.00} for Federal income tax, as well as amounts for Social Security and Medicare. While this number is a bit shy of the amount they took from account for taxes, it is close enough to say that they should have deposited the tax to the IRS. Again, the IRS has not received any tax contribution for the fourth quarter XXXX. It is also important to say that I have sent numerous emails asking for clarification on all the points outlined above. I asked what happened to the {$35000.00}. I have asked why they made a deposit to the IRS in XXXX of {$5500.00}. I have asked why it is taking so long to reconcile my account. I either get no response, or I am told that their tax team is reviewing the many items I have submitted to them. Six months is an enormous amount of time to review 3 or 4 transactions. The company shows no willingness to respond or to work cooperatively with me. If I can not get ADP to find their internal error, I will be out an additional {$35000.00} to close my outstanding account at the IRS. ADP has taken the {$35000.00} three times. The first was reversed. The second should have been processed properly. The third is essentially robbery. I am including with this complaint the following documents : My XXXX XXXX XXXX statements for XXXX, XXXX, XXXX and XX/XX/XXXX. The XXXX bank statement shows nothing concerning the {$5500.00} sent to the IRS. A summary of the bank transactions The fourth quarter XXXX Form 941 The W-3 Transmittal of Wage and Tax Statements Email correspondence The IRS Notice concerning the taxes due The California EDD notice showing the outstanding tax due for fourth quarter XXXX Three ADP Payment Advice statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ADP Payroll Liability report dated XX/XX/XXXX As a lone individual, I am powerless against a national corporation that allows no method for personal conversation unless their reps initiate a call. Even then, the process and details of their actions are completely opaque. The XXXX and W2 documents verify that ADP has taken money that it denies were either irretrievable from the IRS or are still owed the amount they said was processed. It is my hope you can be of assistance.
12/16/2022	Yes	Credit card or prepaid card Payroll card	Advertising Changes in terms from what was offered or advertised	VA XXXXX	Web
I contacted the myWisely Card customer support, on XX/XX/2022, where I was hung up on at XXXX, XXXX and XXXX XXXX after years or negligence from the company, phone abuse as occurred today, to get access to my information, as I am forced to use this card after they falsely advertised that I would have free ATM Services, where they charge for you to withdraw funds even at ATM 's that are noted to be free, and where they also force you to pay a deposit fee for their cards unless you are paying one way or another, in addition to creating an account with a third party company for business tactics to earn some fee or whatnot, to get access to my bank statements, which weren't downloading on the computer that I was using. Upon my phone call, to XXXX ( XXXX ) XXXX, at XXXX XXXX, amidst their fraudulent illegal methods to access your personal information, they asked me to give them my birthdate and I refused because I told them that I don't give out my personal information over the phone, although I could verify my other information, as was done when it was Global Cash Card, where I had also experienced years of harassment and abuse from the staff on their phone services, all the while restricting me access to my account, complaints, information, etc., as it seems as though they sold the company to get over that matter or took over the company to make it a more difficult burden on me, and was introduced to a young lady, who cut me off in the middle of a comment that was being made, in their efforts to instill emotional distress in me, and hung up the phone. I called the number back and they hung up the phone one without anyone even picking up the phone. I then called back and spoke to a young lady who refused to give my documentation because I wouldn't give her my birthdate, because that is company policy, when that isn't necessary, as she was also rude in her efforts to instill emotional distress on me and asked that I speak to a manager, who seemed to be another person on the end of the telemarketer line, as they had a bunch of background noise, which sounds like a bunch of people that have been harassing me for years on end through many different acts of telephone harassments efforts, while the police refused and still refuse at all costs to take my complaints, and said the same thing. He then made sure to cut me off and hang up the phone on me as I tried to discuss the matter with him. It is very common for this company to refuse to do their jobs particularly with me, as they have for years on end hung up the phone on me because of supposed fraudulent efforts to get information that I have every right to not provide, when there are other ways to get account verification. They force the agenda of account verification to restrict me access to my information, as they had been told this many times, in the past, that those requests are synonymous with fraud, so I won't oblige with them, but their response seems to be those of intentional neglect and abuse, particularly on my count, where all police make sure to refuse to take my complaints, as it's happened in multiple locations, because that is supposedly company policy, when these policies were made to force feed these people information that I do not want to provide and do not have to provide, ultimately having them further their abuse by hanging up the phone on me by restricting me services, as has been done so often in the past with their chats as well as other method of communication. They refused to allow me to get company information, they refused to allow me to see who the true company is and that information, etc. At the end of the day, it is ridiculous how these people continue to make my life difficult for whatever agenda that they pose, but that I do not want anything to do with, regardless of the fact of the matter. Even the employer, that has given me this card, has committed acts similar to this credit card company, for years on end. I have complained to you in the past but am being told that I have to make a phone call to people that continue to act as these insane telemarketers with their overzealous personalities and ambitions that make it something that is impossible to deal with, when I make phone calls. In retrospect, they have restricted me access to many services, falsely advertised fees that were charged ( for example the ATM 's ), have altered their programs to make it difficult for me to function or have this service, my disputes are pervaded with profanity and argumentative dialogue between this organization and myself, as with denied claims that would have been processed but these restricts trumped the agenda, and possibly collusion with the police to refuse to allow complaints to be filed, showing all together a conspiracy against me.
09/12/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	CA 93727	Web
Wisely Debit/XXXX payroll card is being charged {$4.00} per month without proper disclosure. I went to use WISELY payroll debit card and noticed money was missing. After contacting WISELY I realized they were illegally feeing my payroll debit card without proper account opening, annual, and per-fee disclosures. In addition, WISELY is illegally keeping me from using all of the funds from my card, unless it is an exact amount or under the card balance. WISELY contact people kept giving me the run around without a proper resolution. a ) I opened the account upon the company 's payroll department 's request over a year ago. WISELY representative from XXXX stated they disclosed charges in the fine print during account opening. I asked for a hardcopy of the disclosure, they said to go online as don't provide one by mail. b ) The account was opened in 2022 and I did not receive an annual fee and other charges disclosure. Once again they said go to online as we don't provide printed disclosure. c ) They took out {$4.00} in XXXX, XXXX, XXXX, and XXXX without any text message, email, or regular mail. Once I asked for disclosure after fees were taken out of my paycheck debit card without notifying me either before or after the fact. They said they didn't have my personal information to provide me with the disclosures. However, after I told them I would file a complaint with CFPB, they started sending text messages. I called them from my husband 's cell phone, so how did they get my cell number and started sending me text messages? Also, was the PATRIOT Act not followed during account opening, as that requires core information to open an account, which will show their violated the PATRIOT Act or were lying to me about information they had on file. d ) I asked to speak to the supervisor. They transferred me to a person claiming to be a supervisor, but did not understand English and kept repeating the disclosure was in fine print during account opening and we never have to provide disclosure after that point. I told the supervisor, the first person I spoke to said, they didn't have any way to contact me as the reason for no disclosures, so I asked who was honest the first contact person or you the supervisor. e ) I asked the supervisor to transfer me to someone in the US as that is where the account was opened. tWISELY supervisor said they would have them contact me in 24 hours. Three days later, and still no contact, so I am filing this complaint for illegal feeing of the payroll debit card without proper disclosures and not returning phone calls as requested. f ) WISELY illegally declined my card during purchase after I complained about the fees. This is retaliation by WISELY for contesting illegal fee practices. I attempted to use the full amount of my card balance at XXXX XXXX XXXXXXXX but they declined the card. Normally, once the card balance is used, the remaining balance can be charged to another card. If WISELY declines my card unless it is an exact amount or under the card balance, then how am I supposed to use all my balance on the card? WISELY is trying to deliberately deceive consumers from using all the funds on the card, so they can use the remaining amount as fees.
11/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MA 01040	Web
On XX/XX/2023 an unauthorized transaction was posted to my account. My account was debited in the amount of {$8400.00} by a merchant labeled XXXX XXXX. This is a merchant I do not recognize. When I noticed the transaction on XX/XX/2023 I immediately called Wisely Card Services to dispute it. I was confident Wisely would resolve my issue and reimburse my account because the transaction was clearly fraudulent as I had no need for a transaction that large, I did not recognize the merchant, and the merchant tested my account to see if they were able to withdraw and deposit money. They tested this by depositing and withdrawing {$.00} prior to withdrawing my {$8400.00}. It was clearly fraudulent but when I called I was blown away by the associate who told me No this was your workplace, you will have to ask them '' refusing to allow me to create a dispute. I had never been refused the ability to make a dispute claim. I was shocked and frustrated by the response I received from Wisely Card Services. How could they be so dismissive of a clear case of fraud? I inevitably had to call back to speak with another associate and eventually I was able to report my dispute. My dispute was submitted XX/XX/2023 and I received a letter a couple days later that required me to sign and email back to their disputes department. I completed all required paperwork and sent it in hopes their department would do a thorough check and see how the transaction by XXXX was an outlier and blatant fraud. Then on XX/XX/2023 I received their letter of correspondence. The letter stated Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. I could not believe how a bank would allow an unrecognized merchant to debit {$8400.00} from their customers account without any security stops and then to respond with, there was no error. I was completely disappointed. Within the letter said that I have the right to request and receive the supporting documentation used in making the determination. I sent my request for supporting information by letter and signed my first and last name at the bottom in wet ink to ensure there were no issues with Wisely processing. Over 5 months later I still have not received the supporting documentation or any correspondence after my request. In the meantime I have been battling a second fraudulent transaction with Wisely Card Services on the same account in the amount of {$6300.00} totaling close to {$15000.00} worth of lost funds. I have been on the phone constantly with Wisely associates persisting in my efforts to retrieve my money. Though some associates were sympathetic, none of them seemed to have the authority or willingness to solve my problem. Meanwhile, Wisely has claimed the most recent transaction fraudulent and since credited my account for it but they are still unwilling to help or provide supporting information for the former fraudulent transaction on XX/XX/2023. The reason this complaint is submitted some time after the initial dispute is because I was going to submit both fraudulent transactions to the CFPB if Wisely failed to take responsibility for both.
08/11/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	PA 191XX	Web
XX/XX/2023, I contacted Wisely powered ADP in regards to transactions being attempted by someone unknown and unauthorized. They cancelled the card and sent a new one not informing me it would take 7-10 business days. They never gave me any option to expedite either. After have the card cancelled I informed them that the address, email, and phone number on file needed to be updated as I no longer have access or reside at the residence. They had me go through a verification process which I still have the verification code for and told me it would take 1-2 business days. XX/XX/XXXX came and after calling 3-4 times and being hung up on when they couldnt produce an answer I finally got someone consistent and patient enough to help however they were highly confused. They first told me there was no verification submitted after going back and forth, I gave them the verification number I got XX/XX/XXXX as proof I did do it and they told me to wait until Tuesday XX/XX/XXXX to update that. When I inquired about a delivery date for the card they told me it wouldnt get to me until XX/XX/XXXX which is too long to go without my access to my account. Again 3-4 times an employee hung up on me until I got a consistent and somewhat knowledgeable employee and they told me I could overnight a card overnighted and they told me the {$35.00} cost however they refused to let me pay the fee with a different card and since I had no card I had to wait on a bank transfer. On Wednesday XX/XX/XXXX, I called again and set up to have my card overnighted to me. XX/XX/XXXX I was provided a tracking number that told me my package would arrive that day. The mailing address on my file is too my job since thats who I got the card from, but as the ups driver arrived he said he did not have it. After being in contact with both ups and the bank it wasnt until XXXX that I was told the card was lost to which I called the bank and demanded a new one be overnighted to me. They told me to wait the next day to see if the card was found. XX/XX/XXXX, the card was not found and I called the bank again and again after being hung up on multiple times I finally reached someone who made it extremely complicated to work with as she struggled to give my answers and would give false information until I could prove otherwise. When I asked about the refund for the first card I had overnighted they refused, they also locked my account so that I cant even use the account/routing number to pay my bills, and in addition theyre arguing with me about the verification process I did XX/XX/XXXX despite me having the verification code as proof and despite it being noted that I called on XX/XX/XXXX for update. I am now a week without access to my card and am in fear I will go through this entire process again when my card is supposed to be received tomorrow or Monday. They provide little to no help over the phone and continue to hang up on you when a question requires too much work.
10/21/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 07040	Web
Dear Consumer Financial Protection Bureau. I am filing a third complaint concerning the previous complaint below. Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing. Response : STATUS Company responded on XX/XX/2022 RESPONSE TYPE Closed with explanation Company 's Response Thank you for your inquiry and for allowing us the opportunity to address your concerns. Unfortunately, we were unable to speak to you directly by phone or leave a voice message regarding the details of your complaint. Our records indicate you called on XX/XX/2022, to initiate a dispute claim for three transactions totaling {$150.00}. Our investigation began immediately after the transactions were reported. On XX/XX/2022, our investigation finalized determining that no error had occurred. Upon the receipt of your recent inquiry, your claim was reopened, and the merchants provided us with sufficient evidence deeming the transactions as valid and the investigation finalized. We mailed you the compelling evidence on XX/XX/2022. If you have any questions regarding the transactions, we advise you reach out directly to the merchant for further assistance. We apologize we have not been able to deliver the resolution desired. The merchant was contacted ; I had inquired on the investigation that was conducted. I was shared that all the information contained was that the transaction was disputed. In addition, the email provided " XXXX XXXX will work directly with them moving forward '' leads me to believe that there was nothing conducted between the bank and the merchant. I was directed back to the bank concerning this. Also, there is nothing from Wisely Pay upon inspection of the address listed on the account. Please review their most recent email. I am not being told the truth and am filing a third complaint. Concerning this, there will be attempts to contact Wisely Pay directly. In addition, another Wisely Pay card was ordered. Wisely Pay is experiencing technical difficulties.
02/23/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	TX 770XX	Web	Servicemember
XXXX XXXX XXXX XXXX ( s ) Offender ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Internal Revenue Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Dear, XXXX XXXX XXXX Pay By XXXX REQUEST TO CEASE AND DESIST ALL PERJURY, DEFAMATION, HARASSMENT, STALKING, SLANDER, AND/OR LIBEL OF CHARACTER AND REPUTATION. You are hereby notified to CEASE AND DESIST any and all further unlawful theft, vandalism, solicitation, defamation, slander and/or libel relating to the incident or event which occurred on XX/XX/2020 in which the following grand theft, defamation, slander and/or libel occurred : On XX/XX/2020, I was contacted by Hired U.S House Committee Employees for The United States Department Of Urban Development from your agency regarding an alleged debt owed. Be it known, that I hereby dispute the validity of said debt. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, you are hereby notified to CEASE AND DESIST any and all further attempts to theft by cash money/check in order to conceal this unlawful alleged debt. I will work directly with the suspects original creditor, Payment Protection Plan, to resolve this matter, as warranted. Please take note that I am declining any attempts by U.S House Selected Committee or any other collection agency with regards to this matter. In addition, you are hereby requested to inform and/or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. You are also requested to CEASE AND DESIST contacting me with regards to this matter, unless it is to notify me via U.S. mail that you will be terminating all attempts to defraud independent collections of the defendant ( s ) currency to accommodate this alleged debt. You are hereby requested to immediately CEASE and DESIST the insubordinate acts of aggravated identification theft to obtain unlawful possession of money orders, cash money, and checks to illegal solicit, harass, stalk, defame, slander and/or libel and within ten ( 10 ) business days and return the signed written assurance below affirming that you will refrain from any further acts of said defamation, slander and/or libel with regards to my self employment, stable coin, character and/or reputation. Failure to comply with this cease and desist request, and/or return the signed assurance within the stipulated time, will leave me no other alternative but to pursue any and all available legal and equitable remedies available to protect my stable coin, character and/or reputation. Sincerely, Title Coordinator
05/16/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	FL 33179	Web
Where do I begin with this Company. First let me say within the past 2 years I've deposited almost XXXX in wages to my account. Every single time I have a problem they make it even worse and even more stressful. I recently called to file a dispute for a copious of unauthorized charges made on my card. Today XX/XX/2022 I called customer service 4 times back to back to get a tracking number for my card which I paid to be shipped overnight, just to be hung up on. With no returned phone call. They ask for a callback number each time you call. For what?! All 4 reps did the same thing hung up and didn't bother calling back! These calls are supposed to be recorded, correct? I hope ADP by Wisely check on their customer service reps because they are extremely unprofessional and rude. I don't know where my card is and I have bills to pay. At this point I feel betrayed by this company. Let me say it again almost XXXX in wages in the pass 2 years. I'm considering closing my account and having my paychecks sent to my regular everyday checking account my main bank would've been rectify this issue. I cant pay for groceries, bills, gas, etc because of this dispute and waiting on my card. Today XX/XX/2022 I will be filling out and sending the statement of fraud back in for my dispute. Which ADP by Wisely should receive by XXXX XXXX no later than XX/XX/2022. There are 2 options to send in the form email and mailing it in. I will be mailing it in using XXXX XXXX with proof of delivery simply because I don't trust this company customer service. This is an extra cost that I have to come out of my savings to pay for because I have yet to receive my card with over XXXX in wages on there. I have almost XXXX in unauthorized charges on my card. Who knows when and if I will ever see that money again. I was told the dispute investigation could take up to 90 days! I asked how about provisional credit as my other bank would've gladly provided given the situation and banking history with them. I was told they cant provide provisional credit as this is a " prepaid card ''. I don't know if these customer service reps make up their own rules or if this is indeed factual. Been with ADP for about 3 years because my employer uses them for paycheck deposit. I think I will soon be severing my relationship with this bank. I'm tired of the nonchalant attitudes and condescending tones when I call in with an issue. They are unprofessional, unorganized, rude, and unsympathetic. If possible stay away from this company because they do not treat their customers like valued customers. No matter how much money deposited to ADP by Wisely card, seems like all their customers are just another number to them.
08/04/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	DE 19720	Web
In reviewing my transactions on XX/XX/2021 with a representative at XXXX, ADP card services, it was brought to my attention that there were many unauthorized charges in the amount of {$1100.00} on my account with a company called XXXX. I explained to the rep that the charges were fraudulent and I have never had a XXXX account or used their services and would like to dispute the transactions. A dispute investigation was opened and the compromised account was closed and I was issued a new debit card. On XX/XX/2021 I was asked to sign and submit a Statement of Fraud form which I did and emailed it to the Dispute Department on XX/XX/2021. On XX/XX/2021, I received correspondence from XXXX, ADP indicating the investigation was completed and it was determined that the charges were legitimate and I would not be able to recover any of the money stolen from my account and the investigation was closed. I immediately called to discuss this decision as I was extremally upset by this. The rep I spoke with on XX/XX/2021 told me that based on what they determined I must have had an account with the merchant to make these charges. I explained over and over again that I do not nor have I ever had an account with XXXX. The rep stated that I could send a written request to receive the investigation materials and or provide proof from XXXX that I am not in their system as a customer. I was provided a telephone number that does not work to speak with someone at XXXX is nearly impossible in order to provide this proof to XXXX. I just want to recover my money. I placed another call to XXXX on XX/XX/2021 with my mother to gather more information on how it was decided to close the investigation. If I'm having a hard time contacting XXXX about these charges, who did they speak with to decide it was me that made all these charges and closed the investigation without really investigating I was passed around to numerous departments with no one really providing any assistance and finally after two hours of this, I was disconnected and no one bothered to call me back. Why ask for a call back number if you are disconnected and then when you are disconnected no one calls you back. I now have to call back and get back in the que and wait 40 plus minuets for another rep to start this process all over again. I feel as though XXXX has handled my situation completely unprofessional and non caring which is unacceptable as a customer who had his hard earned money placed into this company hands and this company has no regard or protection to help me recover what belongs to me which I worked hard to have and not be stolen from me. Not one rep could answer if my funds were FDIC insured.
06/15/2023	Yes	Credit card or prepaid card Gift card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NJ 07103	Web
I received a email saying, ADP is conducting a survey to better understand your business needs and practices, your experience selecting Roll by ADP and your satisfaction with it. Your honest feedback is important to help us in our effort to continuously innovate. The survey should take you about 15 minutes to complete. Please be assured that your responses will be aggregated with all others and will be used for research purposes only. You will receive no follow-ups. In appreciation of your time and completing this survey, you will receive a {$200.00} electronic XXXX gift card. To participate in this short survey, please click on the SURVEY link below. Click Here to Start the Survey The survey will be open until XXXX XXXX XXXX, Friday, XX/XX/2023. Thank you in advance for your participation and valuable feedback. Best regards, ADP Market Insights Once I completed the survey I reached out to their customer service team : XXXX XXXX XXXX XXXX, 2023 XXXX XXXX When did you complete the survey? It is a manual process to assign the payment to you so i can create a case with our team You XXXX XXXX, 2023 XXXXXXXX XXXX On XX/XX/XXXX XXXX XXXX XX/XX/ 2023 XXXXXXXX XXXX Okay, Since it takes time to process I will let our team know as it can take some time to process You XXXX XXXX, 2023 XXXXXXXX XXXX Okay do you know how long the process time might be? Also is there a difference between the ADP 1-800 number and a chat agent? You XX/XX/2023 XXXX XXXX Because when I called the 1-800 number and gave her my EIN she couldnt find my payroll account XXXX XXXX XXXX XXXX, 2023 XXXX XXXX Roll only offers chat based support for existing clients. The other number you see on our website is for our sales team to assist with clients who are onboarding or interested in signing up XXXX XXXX XXXX, 2023 XXXX XXXX Okay thank you! How long is the process time for the survey? XXXX XXXX XX/XX/2023 XXXXXXXX XXXX Unfortunately I do not however i sent an email to our team that handles them and as soon as they respond I can send an email your way! You XXXX XXXX, 2023 XXXXXXXX XXXX Okay thank you, Have A Great Morning You XX/XX/2023 XXXXXXXX XXXX Ill check back in by the end of the week XXXX XXXX XXXX XXXX, 2023 XXXXXXXX XXXX You do the same. Once they respond you can expect an email from us! Once I purchased something on XXXX with this gift card I was locked out the account the password was changed and XXXX was told that ADP Payroll disputed this charge with their bank. XXXX refuses to allow me to access to this account or provide proper documentation to resolve this issue. Each Phone call and chat request was Recorded Via Voice Memo and screenshots.
05/04/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91351	Web
On XX/XX/XXXX, a counterfeit Visa debit pay card was used to withdraw {$980.00} from my account. The following is a timeline of account activity on that day as well as communication between myself and the XXXX XXXX customer service people. XX/XX/XXXX XXXX XXXX : Online purchase of XXXX XXXX from XXXX using home computer XXXX XXXX : Withdrawal of {$200.00} from XXXX ATM in XXXX, CA ( 50 miles away ) XXXX XXXX : Withdrawal of {$200.00} ( same location ) XXXX XXXX : Withdrawal of {$200.00} ( same location ) XXXX XXXX : Withdrawal of {$200.00} ( same location ) XXXX XXXX : Withdrawal of {$180.00} ( same location ) At approximately XXXX XXXX of the same day, I attempted to use my card to purchase food at XXXX XXXX XXXX restaurant, located at XXXX XXXX XXXX, XXXX XXXX CA XXXX ( approx. 6 blocks from my home ) The card was declined. Thinking it was their card reader that was malfunctioning, I went to use an ATM machine at the XXXX store next door to withdraw cash, but the card was declined again. At this point I called XXXX XXXX XXXX XXXX : Called XXXX XXXX and after reviewing last 5 transactions, disputed the withdrawals and cancelled the card. Was told by customer service rep investigation would be made, taking at least 45 but no more than 90 days before money would be replaced in my account. XX/XX/XXXX XXXX XXXX : Called XXXX XXXX to inquire about investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Received letter dated XX/XX/XXXX from XXXX XXXX stating investigation completed and no error occurred. Called them and was told to send email to ADP to reopen investigation. XX/XX/XXXX XXXX XXXX : Emailed ADP as instructed to reopen investigation. XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told there's no record of it being reopened, etc, etc. After explaining several times and providing date and time of email I sent, investigation was NOW officially reopened. XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was told still in progress XX/XX/XXXX XXXX XXXX : Called inquiring about progress of reopened investigation, was once again told they had no record of the investigation being reopened (! ) Here we go again. After about 10 minutes, the CSR was finally able to find that it HAD been reopened, but there was no info on its progress. I asked for a record of dates and times of calls from me to XXXX XXXX, and the CSR gave them to me. ( wouldn't give me the names of who I spoke with each time though )
12/31/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 08081	Web	Servicemember
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??
11/20/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	CT 06516	Web	Older American
Good Day I XXXX XXXX XXXX old Single XXXX XXXX on a VERY LOW FIXED income XXXX. Please see attachment of my XXXX XXXX. I XXXX XXXX am Single XXXX XXXXXXXX XXXX very low fixed income XXXX monthly am writing this via email in reference to my Dispute on Card XXXX for {$500.00} with XXXX XXXX XXXX. My Card Stolen from me and compromised. I was paid cash back XXXX time so I cancelled dispute. Happened again same person. I dispute charge wrote a letter. My Concern : WHY did ADP Associate PREMATURELY post XXXX to my Account in XXXX 2023 without COMPLETING the Investigation? I'm NOT liable!!! That's an ADP ERROR and Inconvenience to your XXXX Customer whom really like my XXXX services. I should not be Unfairly held Liable for XXXX which should NOT have been posted to my Account until Investigation was COMPLETED. I noticed the XXXX posted in my Account that meant to me the Decision was APPROVED AND COMPLETED. Now I'm put in a position by ADP Associate that Claim Denied 60 DAYS LATER. That's Unethical, Unacceptable and Unfair to the Customer. Now I'm in a FINANCIAL HARDSHIP!! ADP Associate POSTED PREMATURELY before completing said Investigation. Now Customer is being held Liable for ADP ERROR OF ACTIONS. Someone fix this please!!! When I Disputed XXXX XXXX ADP did NOT Prematurely post the {$1300.00} to my account BEFORE COMPLETING Investigation. Matter of fact ADP DENIED that claim. But! If view my Account XXXX XXXX themselves REFUNDED {$1300.00} although ADP DENIED ..... I HAD TO CONTACT XXXX, XXXX AND XXXX I'm Rebutting last email promise to pay XXXX monthly and Disputing AGAIN XXXX Fraudulent action on my card which as been Compromised. I wrote a letter requesting ADP to Re-Investigate this Dispute incident. Im requesting ADP to make this situation right. XXXX should NOT have posted PREMATURELY until Investigation COMPLETED. If view my Account all this night mare started for me XX/XX/2023. Moving company 's FRAUDULENT over charging, they held and tried to steal my furniture which i did get back along with XXXX XXXX. Next thing my card stolen and compromised again unauthorize use for XXXX again XXXX XXXX. I'm Homeless due to this whole situation I endured with the moving company and card compromising. Lost my affordable housing fighting them 2 months to get my things per the XXXX XXXX. SEE ATTACHMENT : IM UNABLE TO PAY ADP 'S Associate Unethical Premature ERROR of this post of XXXX to my Account. I thought Dispute was Approved. Please help make this right!!! Humble Regards
10/22/2023	Yes	Prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CO 80226	Web	Servicemember
On XX/XX/2023 I called Wisely to get my balance. The person i spoke to asked me if i had my card and i told them " no '' becuase i was in a community corrections facility and didn't have access to it. So then wisely told me they were canceling my card and i told them " not to '' but instead they locked the card and have been charging a dormant fee of {$4.00} several months since then. Still i need a new card now becuase of how wisely opperates. Wisely told me i need to fax documents of my SSN, State ID, and release letter from the facility i was in which i have provided on XX/XX/2023 and was told to fax to XXXX. Wisely instructed me to call back on XX/XX/2023 so that my documents could be verified. So i called back to wisely customer care on XX/XX/2023 and was told I'm not supposed to FAX anything that was a lie and it's all my fualt. Its a lie becuase when you tell somebody something you don't actually know as true as being true it's a LIE. Then I was told that i am supposed to upload my documents through a link using reference number XXXX then to call back in two more buiseness days and my needed documents are still not resolved. So far what's being communicated to me about Wisely 's process for handling card activation is false and not meeting my rights and expectations of being a creditor and customer because I have a right to my money on demand in full amount or any part there of. Wisely has sent a new card according to them on XX/XX/2023 but this process they can't seem to complete of verifying my documents is of concern. Being a customer of any bank there is the expectation that there will be compitent and profesional communication and procedures that are followed an upheld. So far I've been given careless bad information. I have been told that there would be a deadline as to when my information would be processed and my card would be activated and it still has not been! I still don't have my hard earned money! The level of clear disregard for customer service and degree of dishonesty is absolutely appalling! THIS IS A BANK LYING TO ME AND KEEPING MY MONEY FROM ME! I can not trust that Wisely will just do what they say they're gon na do. Or that anything I've been told is actually true. I Will not wait indefinetly for my money. Action needs to taken against this bank. I have submited every document they have asked for FAX and through wisely 's " box '' link and yet I can't say that's gon na be enough or that i will ever see my $ XXXX at this time. please help me thank you.
04/17/2022	Yes	Credit card or prepaid card Payroll card	Advertising Changes in terms from what was offered or advertised	GA 30350	Web	Servicemember
My card has been locked since About XX/XX/XXXX they told me to send in documentation to get my account unlocked 2 weeks go by and my card is still locked then I get paid from my job and I go to use my money which is when I realized my card was locked still after 2 weeks of sending my documents in so I call and they said something about incorrect information was told to them and I needed further verification I sent in the further verification they asked for and theyre site says 2-3 days another 2 days go by my card is still locked now I have no way to work no way to eat no way to feed my dog or handle my business it is only XXXX in my account so when I seen it was still locked after the second time of me calling I called back and let them know I keep calling sending in verification and my card is still locked the website says 2-3 days its going on 3 weeks and some days and my card is still locked with my money in my account I called asked to transfer my money out and close the account because at this point customer service is horrible and this isnt the first time this has happened so I explain whats going on to there employee she puts me on hold several times just to come back on the phone and state theres nothing I can do but wait or send in more documents this time they asked for school verification so I sent it in again another 3 days go by I have my mother and father card they put them on hold and disconnected the line so I call again explain the situation and the lady gets very rude and nasty and hangs up in my face when I asked for supervisor and told me stop calling so I gave it a hour and called again to speak to someone new and this time she told me she will unlock my card once we hung up I checked my account and its still locked I am now very frustrated my direct deposit from work is now on hold because I explained to them that my money is just sitting in there so I dont wan na deposit any more I work a hour away and borrowing money from family friends and spending XXXX $ a day on XXXX and XXXX because I dont have the money out my account to get my car fixed to make it to work I have been asking people for money to eat because they will not unlock my account its been 3 weeks and some days my account should not be locked and I sent in my birth certificate social school report card and more. Its a huge inconvenience
05/23/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NJ 076XX	Web
I entered into an agreement with my auto insurance in XX/XX/XXXX to have payments automatically deducted from my checking account on the XXXX of each month. However, XXXX attempted to deduct two payments instead of one ACH on XX/XX/XXXX. The first payment in the amount of {$340.00} was named a merchant ACH payment on one XX/XX/XXXX and money was deducted from my balance and showed as pending. Since the miney was dedected i assumed it was paid. However Adp/Wisely stated the company never collected the funds. Money on hold was never put back. Funds were never paid and my family policy was cancelled. The money was held for 5 days, never paid or put back. Adp sais A second payment was later denied when funds were in the account. The bank stated the reason that both deposits were denied was because they both came through on the same day. This was not the case however because the first payment came through on time the date of the agreement and contract sign was XX/XX/XXXX when it first appeared as a pending payment already included and to talk to, and from my balance in the amount of {$340.00}. The payment was named a corporate ACH payment. Ado put both payments thru on XX/XX/XXXX together. Neither were approved because it was requesting the amount of {$690.00} of {$340.00} on XX/XX/XXXX four days after the agreed upon ACH withdrawal date. I was at school across the country and did not receive notice of cancellation. However, in the state of New Jersey insurers are supposed to provide 30 days cancellation instead XXXX only provided 20 days cancellation never took a XXXX payment out, but took a XXXX payment out successfully on the correct date in the right amount of {$340.00}. XXXX XXXX refused to reinstate because they were aware a claim was being filed by s person who sideswiped me. Clearly XXXX XXXX should have taken out the payment in XXXX not waited until XXXX. I really dont understand these business practices and am disputing cancellation of this policy when my money was placed on hold on or about XX/XX/XXXX on my wisely account. I will have to file a dispute with the State of New Jersey Dept of Banking and insurance as well. Becauee ADP has not responded to my calls. The ach numer is attached below and will be uploaded. Sent from my XXXX
05/05/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 93033	Web
While I was working at XXXX 's Restaurant, I was receiving my payments through a myWisely card. On the day of XX/XX/2022 and XX/XX/2022 money was taken from my account that I did not authorize. I use the myWisely app to verify the dates and according to the app the money from XX/XX/2022 was in the amount of {$620.00} and the location says XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 {$610.00} was taken out of my account. The location for this unauthorized transaction says XXXX XXXX XXXX XXXX XXXX XXXX. In total, {$1200.00} were the unauthorized transactions for those two dates. I contacted myWisely through a phone call on XX/XX/2022 soon as I could to dispute these transactions. They told me I would be sent a letter through the mail and gave me a case number. On XX/XX/2022 they emailed me a message saying that the investigation was finalized and they determined there was no error. Nonetheless, I received the letter they told me they would send and filled out the statement of fraud and sent them an email with this letter filled out and signed on XX/XX/2022. After sending this letter I received no response. I know for a fact this was a fraud on my account so I kept pressing the myWisely company by calling them. After that first call on XX/XX/2022 and sending them an email on XX/XX/2022, I called them another 3 times between XXXX and XXXX. The first time they told me they would send another letter so that I could dispute the transaction. I never received a letter and after 2-3 weeks I called them again and they told me they would send another letter. Again, I waited another 2-3 weeks and did not receive a letter. The last time I called them was on XX/XX/2022 and they told me the same thing. They said I would receive a letter in the mail and as of the day that I am writing this complaint on XX/XX/2022 I still have not received a letter. At this point it feels like this company is just straight up lying to me so they do not have to give me my money back. It is absolutely unacceptable I have called 3 different times, they tell me they are going to send a letter so I can dispute the transaction and they never send me a letter. At this point, I have run out of patience and it is the reason why I am writing this complaint.
10/21/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information belongs to someone else	CA 95128	Web
Automatic Data Processing ( ADP , LLC ), XXXX, XXXX and XXXX has violated my consumer rights In Accordance With U.S.C 15 1681. Also ; The Gramm Leach Bliley Act. There is a need to insure that consumer reporting agencies such ADP , LLC and other CRA 's adopt reasonable procedures for meeting the needs of consumers for consumer credit, personnel insurance and other information in a manner which is " Fair and Equitable '' to the consumer with regard to the confidentiality, accuracy relevancy and proper utilization of such information rather than use my information as a potential investment. Instead, ADP , LLC has been compiling files of information about me and also stating that my report has been verified. Please provide documentation of this verification that you have first hand information gleaned from my friends, family and known associates as required by law. Transactions are being sold to third parties without my explicit written or oral consent knowing that such information is supposed to represent me. This is Identity Theft by creating a profile of who I am, my credit worthiness and credit reputation. REF : XXXX. ADP , LLC and the CRA 's have a grave responsibility to respect my privacy, as I have the Right to not have my private property information to be reported with any financial institution, any bank or company. The Consumer reporting agencies are not appointed by congress. Therefore, their company policies do not super cede the law or my Rights. ADP , LLC and the CRA 's are in violation of my Non public private information because they have an obligation to respect the privacy of it's customers and to protect the security and confidentiality of the consumers non public private information. I did not specifically provide explicit written or verbal permission for this company to gain and have access to my non public private information with a non affiliated third parties. Furthermore, ADP , LLC or XXXX, XXXX or XXXX did not provide clearly and conspicuously ; disclosure to myself the consumer in writing or electronic form by the regulations prescribed under section USC 15 6804 or 15 USC 1681 ( k ) that I had a non disclosure option to opt out of any negative items on my report.
07/28/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	GA 30157	Web
On XX/XX/2023, I called Wisely Bank to have funds transferred from my primary card to to my secondary card. The deposit was made on XX/XX/2023 for {$510.00}. It's my only income and is a monthly social security XXXXXXXX payment. When I lost my job, my online access to the account became unavailable because it was trying to send confirmation codes to a work email address and phone number that I no longer had access to. I had lost the primary card, but couldn't have a new one mailed because the would not change the home address on my account because I couldn't verify the email or phone number. So every month, I call to have the funds transferred from the primary to the secondary card. The agent I spoke with transferred the funds into a savings account instead of the secondary card. When I called back to correct the problem, I was told that it was an error that it was moved into the wrong account, but it could not be moved into the correct account. I told them I had to have access to my money so they escalated the call to a supervisor. The supervisor told me they could move it one time " as a courtesy '' since it was their fault it was put into the wrong account. Again, I checked my account and no money. I called again, spoke to a SECOND supervisor who told me that the money would be available in " a couple of hours ''. That was at XXXX. At XXXX, I checked again, still no money. The agent I spoke with told me that it was " escalated '' and waiting to be approved by another supervisor and to call back today, XX/XX/2023. I called this morning, and spoke with a supervisor who told me that there is absolutely no way to move the funds out of the savings account back into the checking account so I can access it. So I was lied to by two separate supervisors and still can't access my money. I asked for them to change the phone number or email address on my account so I can access it online but they told me that I have to send a copy of my driver 's license with a utility bill in my name. I do not have ANY utilities in my name, they are all in my husband 's name. So now, they have my money and I am completely at a loss as to how to get it back. Please, please help me.
09/14/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72076	Web
Hi, I sent back 4 different items on the XXXX of XXXX, and on the XXXX of XXXX, the items arrived at XXXX facility. Then on the XXXX of XXXX, only 1 item was refunded. I have done many returns with XXXX, so there was no issue on my end. Returns are simple, but XXXX has made them very difficult for me because I return many items I am not satisfied with. That is their return policy. I contacted many different chat agents, including supervisors who refused to do anything to help me when I noticed the issue. They kept telling me to wait 7 days after they received the items. Then after that, they started telling me to wait 14 days after they received the items. At this point, I gave up and decided to dispute the issue with my bank. My bank known as XXXX is making me jump through hoops to try to get this refunded after I explained everything to them and gave them the information requested by email, and even added pictures of the items boxed together before I returned them. While I was busy with 3 different jobs, I had planned to send XXXX that info, and in about 6 days, I had not sent the info, and XXXX seemed upset that I had not replied back yet. I explained my work situation, and now XXXX has not been handling the situation quickly after I got back to them with the info they needed. Instead, they have taken around 6 or 7 days to send one reply by email. This reply stated " so you are waiting on the refund of XXXX, correct ''? I then replied back with " yes ''. And they have not responded in over a week. Soon after, I noticed a letter in the mail requesting me to fill out some paper asking for most of the same info I already gave them through email. This time, they are asking me to go through the trouble of mailing back out the paper they sent me. I had a dispute with another card company of mine, and even XXXX awhile back, and neither of them treated me this unfairly as XXXXy has. I have given XXXX way more than I ever had to give my other card companies when it comes to info. At this point, it feels like XXXX does not want to issue the refund and are stalling intentionally, or simply do not like me. This is on page to be a month long issue and counting
01/17/2022	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	NY 11226	Web
I was a victim of identity theft in XXXX of XXXX. This resulted in the majority in my online accounts being hacked and funds stolen. As of this writing, almost a year after i still have almost $ XXXX outstanding from three billion dollar companies who have failed to protect my money or made a good faith effort to return the fund. The first of these companies is payroll processor ADP. I am a registered nurse at a facility where ADP is mandatory if you want direct deposit.. A that time there was no two factor authentication on their app or web interface. As a result of this glaring security flaw the hacker was able to steal approximately {$6000.00} by replacing my checking account with another account that only he has access to. There was no call from ADP that a change was made, no email or text notification so I was totally unaware that this had happened until after the money was gone. A simple notification would have prompted me to log in and check for any discrepancies but that was not the case. Ironically the month following my incident a new vision of the payroll app called ADP totalsource was rolled out. this version now had two factor authentication. I now get a text and email when any changes are made to my payroll account. I reached out to the vice president of my company who in turn contacted the payroll dept but to this day have not had any remedy. i also contacted ADP via email and was contacted by a lady who basically said that's not her dept i should tell my company to contact ADP personally which they already did. There is no one to hold accountable for my {$6000.00} loss.this is money i worked hard for during the height of the Covid-19 pandemic, literally risking my life. From my perspective if my employer gives something to an intermediary and the intermediary loses it they should replace what was lost. As a result I have filed a claim in the XXXX small claims court and have subsequently received a hearing date for XX/XX/XXXX. Apparently it is more prudent to pay attorney fees in addition to the outstanding funds. I have attached email correspondence of my issues plus a screenshot of the payroll screen and my bank statement.
08/08/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 11206	Web
Ive been going back and forth with this bank about my money being insured with them and why there not following there regulators regulations Ive been requesting provisional credit from this bank for a few months now and Ive been getting ignored which I understand that the bank adheres to the regulations set forth by the Electronic Fund Transfer Act ( EFTA ) and the Consumer Financial Protection Bureau ( CFPB ). According to EFTA, if an investigation takes longer than 10 business days, the bank must provisionally credit the disputed amount to the customer 's account. This bank is not following these regulations that was place to protect the consumer Ive sent multiple letters and emails to them and not getting any correspondence back from them at all nothing what so ever Im keep being told someone will contact me within 2-3 business day which no one has and Ive been told this over 3 time so far Which this bank is breaking the law misleading me during multiple recorded phone calls 15 U.S.C. 1611 - U.S. Code - Unannotated Title 15. Commerce and Trade 1611. Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I will like to be treated fairly and not be grated unfairly and rudely threw my current hardship in my lifetime this bank keep hanging up on me rudely no one calls back as they said they will if the phone call is disconnected this bank is not treat me right as a consumer at all and its aggravating and frustrating at this time on need some money in my life where my bills are pulling up and its hard for me to feed myself currently
07/14/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85335	Web
I have had fraud on my Wisely Debit ( Global Cash Card ) account. Wisely provides " pay card '' services to employees of XXXX XXXX in Arizona. I had fraud on my account in XXXX 2023 ( {$8200.00} ) and then again in XX/XX/2023 ( {$8600.00} ). Both times, Wisely has been the absolute worst to deal with and void of any support to the consumer. In XXXX, I had to obtain help from ADP in order to receive the refund and some support with getting my funds back. Now, a few months later and after receiving new debit card, Wisely has allowed MORE fraudulent activity to occur on my account without any notification or sense to stop it. Any other banking institution would notify their customers of suspicious activity and stop the payments. Please note the following issues with the most recent incident : -Wisely refuses to email a letter that must be filled/signed in order for an investigated or or refund. They instead mail a letter, that took several weeks to be delivered in the XXXX incident. -The funds will not be returned until the investigation is completed. -They are unknowledgeable of policies and regulations/laws, and lie to consumers. After speaking with a supervisor, I was informed a letter can be emailed instead. 2 days later and no email, I contact them again and the next supervisor indicated that it can not be emailed and I was misinformed. -After locking my card via app AND contacting them to inform them of the fraud, they indicated they locked the card and account. Wisely CONTINUED to allow fraudulent activity on my card and MORE of my hard-earned money was stolen. This is blatant violation of consumer and citizen rights. -I grant permission for CFPB to obtain my call records from Wisely to investigate this. -I have also filed a complaint with the Arizona Attorney General 's office ( # XXXX ) to inform them of Wiseley 's fraudulent behaviors. Most recent complaint reference with Wisely : # XXXX Funds and dates of fraud : XX/XX/2023 : {$1000.00} XX/XX/2023 : {$1500.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1300.00} XX/XX/2023 : {$1700.00} XX/XX/2023 : {$1700.00}
09/22/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble getting information about the card	FL 33179	Web
Monday XX/XX/2022 I call into Wisely to dispute over 40 XXXX unauthorized charges. Per usual I get the worse customer service experience ever. After filing the dispute my card was closed and I as issued a new card, which I had to pay to have expedited to me. I had to call in everyday for a tracking number for my card which I never got. They will promise to call back and/or email and lie! All their calls are recorded they can check for themselves. These people will not protect your money. This is my 2nd dispute in about 3-4 months. They are not on their customers side and do not serve your best interest. Today XX/XX/2022 I receive an email stating " This letter is to notify you regarding the disputed transaction ( s ) listed on the attached page ( s ), which you recently submitted. The investigation has been finalized and we've determined that there was no error. Record analysis indicates that no fraud has occurred as investigation results match information on file. No credit will be issued. '' The kicker is this is coincidently maybe about 1 days before Regulation E timeline expire for my provisional credit my claim gets denied and Wisely did nothing to protect me as a customer. Without any written explanation of their false findings. I reported the unauthorized charges as necessary. Mailed back The Statement Of Fraud XXXX Priority Mail with a Tracking number. They will take advantage of their customers hoping they don't know any consumer laws. They will not reopen the investigation and I'm out near $ XXXX in fraudulent charges. I need the documents the bank relied on to make its decision as that is my consumer right. I will be looking into a Consumer Protection Attorney. I will also be closing this account with this janky bank expeditiously. People please if you want a secure account with a banking institution that cares for its customers go elsewhere, you've be warned. Over $ XXXX deposited at this bank yearly and they could careless about unauthorized charges on my account. Save yourself the time, headache, and resources and go to a Real Bank.
07/08/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NJ 07054	Web
I have had a bank account with Wisely for over 3 years before this. I had lost my card and have locked the account but had to unlock for a certain time because I had to make a transaction. While it was unlocked, I saw XXXX unauthorized DDS transactions made by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/29 for an amount of {$1300.00} and {$1300.00}. I called Wisely phone number and filed a dispute against this charge and they blocked my banking and online account hoping that this would stop them from taking more money from the account. However, days later on XXXX the XXXX companies were able to make the same transactions again but a higher amount. I called and asked why they were able to take this money and they said that they can not do anything about this even though the account was locked and I flagged these XXXX vendors earlier. I usually get notifications too on transactions over {$200.00} and I never got a notification on this. So I proceeded to dispute this again and asked them to overnight XXXX my new replacement card. On XXXX, XXXX XXXX was able to take out money again and I was getting XXXX because there was nothing that Wisely was doing to stop these transaction from going through. I called and asked them to send my money to a different bank account but they said that they can not even do it and that I would have to go to a bank to transfer that money. I filed a 3rd claim and then later on got a new card and unlocked that card. I thought that since I got a new card and, in turn, a new account, that they would not be able to transact more money but XXXX XXXXXXXX XXXX took out {$1500.00} on XXXX. At that point, I had emptied by bank account and transferred all money to my parents. But in total, I lost more than {$8000.00} and have disputed all these transaction and Wisely has done nothing about it. I don't know this exact number because Wisely has blocked my online account again and I can see the transaction made. They said that these disputes take up to 90 days so I am not sure what I can do now.
01/03/2022	No	Checking or savings account Other banking product or service	Managing an account Banking errors	FL 33614	Web
Before XXXX ( around XXXX ) my employer switched Payroll company from XXXX to ADP. Accrued funds ( up to the moment of transition ) were transferred accurately on XXXX BUT just the employee contributions for XXXX and XXXX ( and not XXXX ) were allocated to my 401k account. I wrote to the plan administrator ( in my company ) and he asked me for more time as he knew the transition had not been fully reconciled. Time passed and the rest of the contributions from XXXX on ( both employer and mine ) were posting with no issues. In XXXX I decided to leave the company and contacted my plan admin again to have the account reconciled as I was leaving in XXXX. He told me it has been fully reconciled and I explained to him there were still differences, missing contributions. He asked me to contact ADP. I tried, they refused to talk to me and asked me to do it through the plan admin. Finally I was able to put us all three together in the same call. In which they realized it was not only me but almost all the employees were missing contributions allocated ( about XXXX USD ) so they started the investigation and fix. To make the story short, in XXXX, after NEVER replied to my emails asking for updates on the fix, they credited the missing employer matching contributions for XXXX and XXXX, but still the never posted the missing contributions ( employer / empoyee ) for XXXX. In early XXXX, after left the company in XXXX, I was able to be transferred to a supervisor who listen to my complaints and was able to contact the person who was supposed to fix this mess, he asked me for patience and I told him about my decission to file a complain with you if they dont have this addressed before year end. Still, XXXX contributions are missing for almost all employers @ XXXX XXXX. In my case is XXXX USD, but for around 60 people in the company, some of them putting higher amounts towards their retirement is considerable. For not to mention the possible dividends they may have lost in 6 months according to their investments.
09/23/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 231XX	Web
Outstanding personal property tax bill ( XXXX XXXX VA ) from previous county of residence paid in full on XXXX. After locating original bill with " paid in full '' receipt from personal records and subsequent call to County of XXXX it was uncovered that the County had, on several occasions, attempted to notify ADP of corrected status in XXXX and XX/XX/2021. Subsequently, XXXX sent a notice of wage garnishment on XXXX ( per attached letter ) and received on Friday XXXX ( at my home address ). Document stating that a tax levy order was submitted by County of XXXX ( after my personal investigation ) on XXXX. Funds were garnished from paycheck in the amount of {$240.00} on XX/XX/2021 as evidence by paycheck stub. Call to XXXX county to review paid receipt and confirm " closed account status '' clarified the issue and prompted a call to ADP to uncover root-cause and initiate process to return payment of " double paid '' account. ADP Representative was briefed on situation and instructed me to call XXXX County to have someone call ADP to " release the request. '' A brief albeit respectful instruction was made to initiate resolution in real-time via conference call. Per both agency 's I am due a full refund and so have copied my current employer 's payroll department to close the loop. I will continue to follow up until an acceptable refund and resolution has been completed. I understand the importance and necessity of collecting funds due and the limitations and challenges that the pandemic has created. These challenges do not negate the absolute importance of appropriate and timely connectivity and communication. I have recovered a detailed timeline of events as well as documentation that I am willing to review on any further follow-up or formal investigation as the information reveals quite a bit of sensitive personal data. Thank you for your assistance. Letters and names of individuals from both ADP as well as the County of XXXX will be provided upon request.
05/24/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX XXXXX	Web
In XXXX my Wisely account was compromised. Between XX/XX/XXXX - XXXX, a large of money was withdrawn, including a payroll check transferred directly from my direct deposit. The monies were transferred and deposited into an unknown account without my knowledge or permission. Approx. {$6000.00} was withdrawn and {$210.00} was left in my account. I immediately contacted wisely. That account was closed and a new card/account was sent with {$2200.00} approx. two weeks later. The process stated early on by customer service was that a time sensitive resolution letter would be sent within 7-10 business days for my review of account status and further account decisions. No letter has been received. Yet now ( today in fact ) customer service states account shows to be resolved. When I continue to call customer service within 7-10 days about not receiving resolution letter within 7-10 days, now its an email has and will be sent. It has been escalated to our... department. We had the wrong e-mail on file. An email will be sent within XXXX hours. An e mail will be sent within XXXX hours. Hanging up with no callback ( today ), etc. and so on. Tiring and taxing. The customer service interaction is frustrating, blatant lies and regurgitated inactions at this point. The only reason I keep reaching out to them is to keep a log of my actual contact attempts to have this financial dispute properly resolved and in a reasonable and professional fashion. However, this is not the case on Wisely 's behalf. Please help. My question is, ( besides where is the rest of my money ). How is $ XXXX resolution for a {$6000.00} compromised account transfers? And which part was resolved? What date? The math surely doesn't add up one way or the other as to what has been resolved. The website on wisely states that our money is FDIC insured. Wouldn't there be proper customer communication efforts were this true? I'm amiss and lost to this company 's process and behaviors. Thank you.
12/08/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	IN 462XX	Web	Older American, Servicemember
On XX/XX/23 and XX/XX/23, my new ADP Wisely Pay Card was compromised of {$900.00}. When I learned this on XX/XX/23, I contacted Wisely immediately. They canceled my card, said I should see a provisional credit in a few days, and that they would begin an investigation. The actual card is always with me, and never shared or used by anyone. I live alone. Since then, I have called multiple times, only to speak with people I can not understand ( broken English ) and be given a different answer. I have tried to be understanding. It has been 8 days. This morning I called again asking for a status. The answer today was that they sent a letter via US Mail and I have to sign it, then return via US Mail. We all know mail is delayed around the holidays, so of course I have not received a letter ( or a replacement card that I understand costs {$30.00} ). Once they have a signed letter ( not sure what it says ), they will consider a provisional credit, and it could be up to 45 days. I asked for a supervisor who again, I could not understand well. When I became frustrated and asked for a second level supervisor, she advised me there is nobody higher than her. Her name is XXXX. Later in the conversation, when I asked if she is the CEO, and if not, to provide me with HER supervisors ' name, she refused to do so. My career was in Finance, and I am a part time employee, recent widow, and I'm XXXX XXXX XXXX. I understand business processes in Finance. I understand banking. I'm not stupid and I'm not wealthy, nor am I in a position to lose {$900.00}. I don't expect special treatment from Wisely. I do expect them to follow the law, speak clear XXXX to their customers, and to not sit on my {$900.00} for 45 or more days. I expect an answer, and it is my right, so I thought. I had to pay half of my rent via credit card with a 21 % interest rate. I will obviously not have the opportunity to buy XXXX presents for my grandchildren. What shall I tell them?
08/04/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NJ 07018	Web
On XX/XX/22 at approximately XXXX am I was at the ATM to withdraw funds from an ATM in XXXX NJ when I discovered my account was missing {$500.00}. Upon checking my payroll debit card app-Wisely Pay I discovered there were three transactions made at an ATM XX/XX/22 in the following amounts : {$200.00}, {$200.00} and {$100.00} from a Chase ATM in XXXX NJ XXXX I immediately called and filed a dispute with Wisely pay at XXXX XXXX while at the same time using XXXX XXXX ATM in XXXX to withdraw the majority of the remaining funds in the amount of {$800.00} and {$400.00} to prevent any further theft. These withdrawals were done by me while I was filing my dispute and notified the representative of this. I was given a claim # and was told the card would be cancelled, a new one issued and the dispute would be investigated. On Tuesday XX/XX/22 I received an e-mail from Wisely Pay informing me that an ATM transaction in the amount of {$200.00} from a XXXX XXXX in XXXX NJ was declined-there was still attempts at fraud on this card. I followed up with Wisely Pay to see if there was anything they needed from me and was told I would be receiving a Statement of Fraud Form. Today XX/XX/22 I received an email detailing the investigation was completed and they determined there was no error and that record analysis indicated that no fraud had occurred as investigation results matched information on file. This was very upsetting to me as the cardholder as there was clearly fraud. I have had my payroll loaded onto this card for many years and have never had a problem. I am the only cardholder and there has only ever been one card issued. I dont feel they investigated thoroughly-camera footage from the ATM etc. I am reaching out to CFPB for help as I am frustrated and am feeling as if the financial institution I have trusted with my payroll is not working to protect me. Please help. In addition to filing this complaint I will be filing a police report.
06/13/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	NH 03104	Web
Around XXXX I made a complaint about illegal ATM fees wisely ADP was charging me. ADP wisely is a payroll card merchant where I receive my funds for work as well as a debit card. When I made the complaint someone from compliance reached out to me and ultimately ended up refunding me for the last 90 days in the total amount of XXXX dollars even though I requested during the whole life since account was opened. What happened was I would use a atm get charged XXXX dollars for using the atm for that atms fee. then another XXXX dollars for using an outside network by ADP wisely, and then another XXXX dollars if I entered the pin wrong. So a total of XXXX dollars per transaction was taking place on my hard earned money. I informed ADP wisely it goes against the electronic transfers act as well as it being a billing error 15 usc 1666B and they did a brief investigation and gave me a refund for the past 90 days. What followed after this a week later was a serious of calls and a email from wisely. They stated that I can not receive incoming withdrawals from XXXX XXXX XXXX XXXX I asked why I was not given a very solid reasoning to this and if I continue to do so they would close the account. I have had this account since XXXX and have been using XXXX, XXXX and XXXX XXXX since then for transfers from friends and family or etc but now it became a issue. I believe the company is taking adverse action against me for asserting my rights as a consumer. I tried to consult and was ignored and ultimately the account was closed on a day I was set to receive my direct deposit from work. I ended up being late on my rent and it took 3 business days before I saw the money and it was inconvenient. I still to date have not receive a lettter stating why it was closed so the company was not operating in good faith and it is very evident it was due to my complaint in may the account was closed on XX/XX/XXXX. I am writing CFPB to have this on record
07/07/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MO 640XX	Web
On XX/XX/22 I went to the atm at XXXX bank on XXXX XXXX XXXX XXXX. I made a transaction to withdraw XXXX XXXX dollars from a Wisely prepaid debit card account. The ATM machine asked if I wanted a receipt, I declined and it began to make the " noise '' of the transaction and showed on the screen " the robots are working hard to get your money '' then a clunking sound and the screen showed " printing your receipt ''. The receipt showed " incomplete transaction '' and no money was given to me. I assumed the machine did not have enough money or something and drove away. Later I noticed the money had been debited from my Wisely account. I contacted the bank and they said even though they knew the machine had gone down at precisely the time of my transaction,XXXX XXXX, and acknowledged that they had over an amount of XXXX XXXX dollars, I would need to dispute with Wisely and once they had connected with them they would be able to correct the error with me. I contacted Wisely to place a dispute on XX/XX/22, they then mailed me a dispute form to fill out, which I have completed, then emailed as well as mailed it in. Nothing has been done despite my multiple calls to Wisely and XXXX. XXXX told me that by law they only had ten days in which to return the money to my account. I called Wisely on XX/XX/22 and they said they would escalate the process for me and to call back in one to two business days. I called back and the person I spoke with this time said there was no such thing as escalating the process and said they had until XX/XX/XXXX and nothing had been done at this time. XXXX promised they would try their best to do something about getting my money returned as soon as possible because I am their customer. They said they would call me back to let me know, however, I have heard nothing. Ultimately though no fault of my own, because their machine broke, I am out XXXX XXXX dollars! How is this right in any way?
05/04/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NM 87108	Web
Wisely Bank I spell the dispute with wisely bank for transactions that took place on XXXX the XXXX that drained my entire bank account that I did not authorize the same day my car was stolen the first complaint that I have was that the disputes representative sent a replacement card to the wrong address because he asked that I validate my address and I had moved so he wanted me to validate my previous address and then proceeded to send it to the previous address after I repeatedly told him that that is my old address second issue is that he did not advise me to be on the lookout for any kind of documentation that they would need for me to send back to them to move the claim forward I had gotten the paperwork 3 days after I had been delivered but immediately responded back to them via email they have not told me about how the process works except for the fact that the dispute can take anywhere between 40 to 60 days to investigate I've received an email about a transaction that took place that same day that was for a lesser amount I assume to test to see if there were funds available on my card or in my bank account cuz then right after that they proceeded to make several {$50.00} deductions from some printing place New York and then several 20 something dollar deductions from some XXXX XXXX in California these are clearly not my transactions yet they are dragging their feet on returning me my money and then I escalated to a supervisor today and the supervisor who says his name is XXXX says that he can not provide me with his agent ID which for what other reason why he would he have an ID if not to be identified and then when I told him that XXXX our conversation was recorded he then proceeds to hang up on me if this is how wisely conducts themselves as a financial institute the one that actually is that pays me through my employer I might need a secret legal action.
12/22/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CO 800XX	Web	Older American
On XX/XX/XXXX ( 2 days after my paycheck auto deposited ) 3 transactions were made without my knowledge, depleting my account. My employer, XXXX XXXX, uses GlobalCashcard/XXXX for paycheck purposes. This was on a newly issued card, because the month before ( in XXXX ) a similar fraud took place. ( On the XXXX incident the bank acknowledged the fraud, refunded my money into my account, and issued a new card. ) These were the transactions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$980.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} I reported the fraud next day on XXXX XXXX. This time the phone personnel treated me with impatience, and on subsequent days several times hung up on me. Case No : XXXX On XX/XX/XXXX ADP XXXX XXXX sent me a resolution letter, stating that they found these transactions normal and no refund will be issued. ( from ADP XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX It is this negative resolution that prompted me to turn to you with a complaint. I list below the fraudulent transaction from the month before, because there may be a pattern in the locations and the timeline right after pay day. ( These XXXX charges were credited back to me, and are not part of my current problem. ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX Atm Transaction Fee XXXX {$3.00} XX/XX/XXXX Atm Transaction Domestic Fee Adjustment + {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX Atm Transaction Domestic Fee - {$3.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}
12/03/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	WA 99223	Web
I requested a blank check to give to my landlord. Before the check can be issued the Bank/Wisely requires an authorization code, the amount, who it is being written to and this was done on XX/XX/2023. My XXXX XXXX attempted to cash the {$1000.00} check at XXXX XXXX XXXXXXXX and this was denied. They reached out to me and I requested they try again. Again, this was denied. XXXX XXXX, again, asked me to check with my bank and that now I have a {$120.00} late fee along with an {$40.00} XXXX fee. I called Wisely XX/XX/XXXX and was directed to a supervisor named XXXX, XXXX advised this was their fault due to the representative when giving the authorization code, failed to enter the last two digits of the check number and is the reason for XXXX XXXX XXXXXXXX denying the check. He stated I would be reimbursed for the fees and my original {$1000.00}, for a total of {$1100.00}. I followed up XX/XX/XXXX and was transferred to a supervisor by the name of XXXX. XXXX advised the checks are for personal use and can ONLY be cashed by the person who owns the account. She also advised the {$160.00} is not their fault. I asked for her Manager, an email address, her last name or a phone number. She would not grant any of the requests and she was the last person I could speak with. I explained to her that I have written multiple checks to my landlord and there was never an issue as well as defeats the purpose of a check. I have included an XXXX statement that shows a check cleared to my landlord XX/XX/XXXX rent check of {$1000.00}. As well as XXXX XXXX of {$1000.00}, and XX/XX/XXXX of {$900.00}. This proves the checks issued are not for the owner, these work as normal checks should. Additionally, attached is the stub from my check that was issued and denied by XXXX XXXX XXXXXXXX.
06/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72076	Web
Hi, I have tried to dispute several transactions with Wisely, and they have not bothered to look into the issue. They responded via XXXX and mentioned they needed to know which transactions needed disputing, and I gave that info, and the amount in that message, but they still have not disputed it, and mentioned that I would have to go through the trouble of calling. They in the past have been the toughest company to dispute orders with for some reason. They were able to see on my account that I contacted them through chat agents to try to dispute, and they said that calling is the only way, and I am currently in a tough position to be able to make any calls at the moment. They have ignored emails I have sent them, and appear to once again not want to issue the full refund for XXXXive items totaling {$65.00}. If Wisely was able to get into my account and see my chat history with their agents, then it would seem they should be able to also see my transactions from XXXX. XXXX wrongfully closed my account, and after seeing they have lied about several different things, I decided trying to communicate through them would be more of a headache. It has been over a month and Wisely has done nothing to help me. 3 of the five items received from XXXX were defective, and since the account was closed, I have no way to send the items back for a refund. I believe I was sent defective items on purpose. Then the last two items never showed up, which means they stole money from me because I paid for those items and never received them. The transactions that I told Wisely about via XXXX were XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX - {$8.00} XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX - {$21.00} XX/XX/XXXX XXXX XXXX XXXX - {$19.00}. This company does not seem to want to help me
01/03/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	WA 98119	Web
Wisely was the card of choice with XXXX XXXX XXXX and this organization was the only way that I was able to get my paycheck when I first moved over to XXXX XXXX XXXX XXXX The XXXX XXXX XXXX. It is my belief that due to the proximity of this shelter to organizations such as XXXX that this became a common piece of mail with a unique senders address that they became very familar with recognizing. Issues that I ran into at this address as well as XXXX XXXX XXXX XXXX include : holding the mail, the use of social engineering to allign purchases of goods and/or services with people, places, or things with ties to the organization for some level of evaluation that was used in the placement of social services, housing, or benefit review without the consent of oversight to monitor for abuse, neglect, or misuse of these types of tools. Often did not have the consent of the consumers whose credit this impacted and often did not care as most of them they would disable and then use incidents like this to ruin credit or banking opportunties to " burn '' the consumer from any future of having access to these types of tools. They do not allow consumers to foward their own mail from the post office but instead require the consumers to goto the shelter in order to pick up their mail. They do not notify the senders that the receiptants have moved. In some cases they call the vendors, banks, or other organizations posing as the consumer themselves in order to reverse engineer their accounts, gain intelligence on the consumer, and do things to wreck their consumer credit score. It is well known that they employ former vetrans and those in lower level security jobs like XXXX XXXX XXXX to act as agents tio gain intelligence on these consumers.
08/12/2022	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	GA 314XX	Web
I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from Automatic Data Processing ( ADP ) Inc. ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by ADP to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for one year. I need help and have attached documents per instructions.
08/19/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 32811	Web
XX/XX/2022 I tried to make a purchase for a scooter to get to and from to work I went online and found that a company XXXX had a scooter online for sale for {$71.00} I went to purchase it and again after purchase I began to do a search because something didn't seem right about the receipt that they sent me to my email something was fishy about it I did some research on the company and see that they were a scam they sent me fraudulent email saying that a tracking number for a purchase that I had just purchased within the 5 minutes was already sent out I try to reach out to the company found out that it was a fraudulent number and a fake address to the company I even tried to go to the store where there was no store there I contact my car company and told them that it was a scam and I try to reach out to the company the number for the company was not a phone number and the address was not a phone number I also sent them the emails from the company now I just got a email from the company saying that they sorry that I didn't get my purchase I just been asking for my refund back that's it from both the company that is fraudulent and also even my credit card company to stop the payment but no one is working with me I have all the emails and pictures the actual scooter that I purchase from the company that did not receive was over {$6000.00} so there's no way that I could have purchased this scooter for a {$71.00} and come to find out it was for a older person well over my age from XXXX XXXX my card company denied my refund and I have been going back and forth with both the company with the fake fraudulent tracking number and email address phone number and also address I'm just asking for my money back thank you
10/18/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	KS 67401	Web
XX/XX/XXXX I identified a couple of fraudulent purchases were pending and notified Wisely via phone the same day and via chat. My available funds were frozen and remained frozen until one of the 3 transactions posted to card. The three transactions werre XXXX for {$0.00} two times ( testing card ) and {$270.00} to XXXX XXXX.They told me that it takes 90-120 days to get $ back. Wisely refused to remove the hold and could not provide auth # or any info to assist me with getting information from XXXX XXXX. I escalated to super and they stated they would but could not remove hold and I would receive funds on XX/XX/XXXX which is 5 days per Visa regs. They did not inform me of where to send written confirmation of error to receive provisional credit within 10 days when I notified then. On XX/XX/XXXX one of the 3 transactions posted and removed {$270.00} from my card balance. On XX/XX/XXXX I received letter with case # and telling me to complete form and send back within 10 days but again it did not provide me with my right to provisional credit if I provided written notice of error. Written notice was already provided on XX/XX/XXXX and again via chat re : XXXX again they confirmed receipt and stated 45-90 days before investigation would be complete. I also completed this form and emailed it XX/XX/XXXX to the email on the form but it bounced back as invalid email address. I notified them via chat in writing of all info and they confirmed it was received, yet they continue to state it will take at least 45 days to get $ back. They are holding my funds for no reason for a fraudulent transaction and not adhearing to the regulatory requirments under REG E, EFTA or VISA Regs for unauthorized/fraudulent transactions.
11/12/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WA 981XX	Web
This past XX/XX/2022 I was scheduled to start work at XXXXXXXX XXXX. so I started my shift at XXXXXXXX XXXX. and at or around XXXXXXXX XXXX. I took my first break! While I was on break I realized I had a few emails and texts messages ( I have texts alerts and I also receive emails when there's money spent and added to my card ) so I looked at my emails and realized that someone had made a total of 5 attempts to withdraw money from my account 3 transactions where successful and the other 2 transactions were declined. I don't know how this would be possible since I had my debit card in my pocket. So I was freaking out and my heart dropped I managed to call wisely the debit card company and told them to cancel my card immediately and I explained what had just happened while I was at work and I also told them that NO ONE HAS access to my debit card information and that I also had my debit card in my pocket. She told me they would reimburse me for my lost but it could take up to 45 days. I've called them numerous times and I also have sent them 2 copy 's of a letter describing what happened and where I was at when this all happened I even sent them a copy of proof showing them that I was at work in a different city while this all took place. They claim they never had received my letter 's. And I also made a police report over the phone I tried talking to the two XXXX where the transactions took place at with no help since I don't have active bank accounts with either so they could not help me either. Every time I call wisely it's just the run around a it's always a different person I speak with and they always tell me something completely different.
11/26/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA XXXXX	Web	Older American
After submitting a complaint to the CFPB, # XXXX, ADP responded XXXX paying a portion of the outstanding payments to the IRS and California XXXX XXXX Department XXXX XXXX. ADP promised to pay the penalty and interest charges that were incurred because of the error ADP had made in XX/XX/XXXX. I have sent many emails after the partial payments had been made, but I am getting no response from the company. As noted in the previous complaint, email is the only method for reaching ADP. The penalty and interest charges are still accruing at the IRS. The XXXX penalty and interest charges were paid by me and are no longer accruing, but they should be reimbursed to me by ADP. The combined charges are approximately {$8000.00}. Your agency deemed the case closed after contacting someone from ADP. It is clearly not closed as ADP has only met a part of their responsibilities. My intention has been to close my business and associated banking account at the end of this year, as I will be retiring. It is my understanding that ADP needs the bank account open to reimburse me for the penalty and interest charges. This will incur an additional {$800.00} estimated payment to the California XXXX, plus an additional tax return running about {$1000.00} ( based on past charges ). I believe ADP should reimburse me for these costs if they do not reimburse the other charges before the end of XXXX. It is unreasonable for ADP to take almost a full year to make amends for their error. I have tried diligently to work with them, but it was not until I contacted the CFPB that some response was made. I assume you can retrieve the details of my earlier complaint.
06/14/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to send money to another person	IN 46158	Web
Well this is not the first time this has happened but I have money on my wisely payroll card formally global Cash card. I'm trying to transfer my funds to another account my XXXX banking account. Now they are both pretty much the same in regards to being a prepaid card but they claim that they're accepted everywhere and easy to use. However I can't transfer my own money from one of my own accounts to another account of mine because it's a prepaid card even though the other account is also a prepaid card it doesn't make sense. They can never make it easy for you to access your money if for say like right now I have my debit card but I left it at a friend 's house and I can't get it right now, so I'm trying to use it via mobile app and of course they won't verify my XXXX code so I tried to pay myself and they won't pay a prepaid card! It's ridiculous. They advertised how it's just like any other XXXX logo card but that's not true I've had many of difficult times with them because of things like this. I don't think you should advertise it as a credit card accepted everywhere to be used as a credit card anyway when it's not that's false advertisement. Besides that they also make it very difficult to file a complaint as far as a fraudulent charge they make any funds on your card immediately unavailable until the issue is resolved which takes weeks sometimes months. I wasn't prepared for that and it caused me a lot of XXXX and XXXX because I was completely broke until it was resolved. Why should the money on my card be frozen until they make a decision about a transaction? I don't see how that's their right
09/23/2021	No	Money transfer, virtual currency, or money service Domestic (US) money transfer	Other transaction problem	MA 024XX	Web
I was hired by my employer in XX/XX/XXXX. I set up a direct deposit from my paycheck to a XXXX XXXX XXXX on XX/XX/XXXX. Unfortunately, I did not keep an eye on these transactions and lost tabs on if the money made it to the account during the following pay periods. Fast forward to XX/XX/XXXX and I realized the XXXX account I set up did not have the amount of money I thought to be in there. I stopped all transactions at that time. After speaking with XXXX, they confirmed the account was set up but no transactions occurred. After speaking with my employer 's HR, they contacted ADP ( only employers can speak with ADP ) and it began a ping pong of me going between all parties to locate my money. I spent countless hours on hold, waiting for responses, sitting in XXXX branches, follow ups, etc. We were able to locate the money, where it remains, with XXXX in a " lock box '' account which belongs to " XXXX '' which is a XXXX XXXX XXXX. Due to the fact that I do not have a XXXX account, I can not be tied to this lock box and thus can not recover the funds. ADP has refused to do a trace and recall because the transactions are " more than 60 days old '' ( XXXX advised me this is illegal and ADP should have many years of records ). My employer doesn't see how they can help me at this time and refused to assist further. I have documentation of my dialogue with my employer 's HR, confirmation of account set up, and tracing numbers of deposits that are linked to XXXX and the aforementioned " XXXX ''. I am in need of a resolution as this has been mentally draining and time intensive.
10/20/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	NJ 07306	Web	Older American, Servicemember
What happened was that XXXX XXXX XXXX who owns XXXX XXXX XXXX putted some of my wages on a Wisely card that he mail me to my home address and he only put {$920.00} ( not sure, but around ) and not the entire amount of money he owed me. I opened a case with the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX against XXXX XXXX XXXX, with the Division of Wage and Hour. Claim # XXXX Employer # XXXX Anyway I didn't want to touch the money that was in that card just in case I had to show proof that he didn't pay me the full amount owed to me. So, the last time I spoke with XXXX XXXX XXXX ( Case Investigator in XXXX, NJ ) was like in XX/XX/XXXX, and he sent me a letter, dated ( XX/XX/XXXX stating that he had finished investigating my case and he was going to submit it to his supervisor. I tried calling XXXX XXXX several times and no answer. I finally call a number in XXXX and I was able to talk to some else and told me that the XXXX XXXX NJ had a case against XXXX XXXX ( she used a some sort of Legal term ). She told me that I might get my money in the future if XXXX XXXX sells one of his properties and gave me no hope that I will recover my money. So, I called Wisely and they said that my Wisely Card # XXXX XXXX XXXX XXXX Exp. XX/XX/XXXX had some kind of restriction and they told me that my balance was {$920.00} ( or so ). Anyway, then they said that my card # did not exist. I asked to speak to their supervisor, and they never did and hang up. I spoke to two other persons and I was told that the card did not exist. From my understanding they are trying to rob my money.
10/02/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	OH 452XX	Web
I am writing today to complain of the poor service I received XXXX XXXX and the payroll manufactures on XX/XX/XXXX - XX/XX/2022. I was given a paycard to receive my money from working at the XXXX XXXX on XXXX in XXXX Ohio. This card was blocked and my employees told me to call the manufacturers to get my card unblocked. I worked for them before, but theyre saying I worked for them under my mothers maiden name, which I dont recall doing. I called the manufacturers and was told to upload a picture of my state ID, my ssn, and upload my reference number in the description box. A week went by and in the meantime I kept calling and they kept telling me to wait. I called my employers and they said to email the payroll company with a request for mom to change my name on the card. I sent the email and then they told me to keep calling the manufacturers which I have been doing up to this point. While speaking to the supervisors, theyve been telling me to do different thing like upload the reference number in the description to uploading a picture of the reference number on a piece of paper. Today a supervisor explained for the first time after 3 weeks that now I need to upload my birth certificate or marriage or divorce papers which I dont have. All the while, after previously uploading the documents theyve told me that Ive uploaded the proper documents and that the matter will be resolved and it still isnt resolved. This is the reason why Im complaining. I have screenshots and time stamps of the emails and the last time I uploaded the documents eight days ago.
02/22/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	TX 75104	Web	Older American
I was the owner of a company that closed with Covid in XXXX. I had a 401 ( k ) account with ADP. I closed the account last year in XXXX. I noticed that ADP charged my personal 401 ( k ) account {$1600.00} for monthly fees that they normally charged my company. However, ADP issued my company ( 2 ) six months waivers on the monthly fees which were {$170.00} per month if I kept my 401 ( k ) with them. Not only did they not waive the fees as promised but they illegally deducted the fees from my personal 401 ( k ) account. That deduction meant for over a year {$1600.00} of my money was not traded on the market as funds that were supposed to be in my 401 ( k ) investment account. 1. ADP sent my company 2 six month waivers for monthly maintenance fees 2. They refused to honor the waivers and they illegally deducted them from my personal 401 ( k ) account They have been telling me that they are reviewing my account for a year now, but they have never issued the credit for {$1600.00} to my personal 401 ( k ). When I looked at my account today, they rearranged the numbers without adding the {$1600.00} back to my account ; they also did they send me a check for the amount. They erased the {$1600.00} from the details of my account as if it was never taken out of my account. ADP still owes me {$1600.00}. ( Refer to the Account detail that was done on XX/XX/XXXX and compare it to the one done today on XX/XX/XXXX. Notice that the {$1600.00} is not shown anywhere in the account and there is no indication anywhere that it was added back into my account ).
03/16/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	FL 349XX	Web
Please help me. I have been trying to resolve a fraudulent transaction on my XXXX account by ADP. My payroll check is deposited on the XXXX card. The day of payroll my account had a transaction of {$700.00} fraudulently. Date of transaction : XX/XX/XXXX Amount : {$700.00} Description : account ending XXXX Here is my information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Card number : XXXX XXXX XXXX XXXX Made several calls to XXXX to report the issue. They have extremely long hold times in excessive of 1 hour to get a representative and then honestly there is a language barrier. Their representatives seems to have trouble with XXXX. I reported the dispute immediately to XXXX. They wrote me a letter denying the claim. They will only correspond on the matter via regular mail. I have written a letter back. I don't believe XXXX has the problem properly documented or failed to do a proper investigation. The money was fraudulently taken from me. And I have bills to pay like anyone else. The XXXX card is making it impossibly difficult to get my money back on this fraud. They carry a XXXX logo on the card and would expect a higher standard associated with XXXX. These cards are supposed to help protect you from transactions as such. I am reporting this matter to government officials in a hope someone can help me get my money back. Please help. I d prefer that XXXXy card mail me a check for the amount to my address on file as I am no longer using their institution due to this matter. Thank you XXXX XXXX
02/16/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	KY 41005	Web
I initially had this card through my job, which I have since left.. the card was still active when I used it to receive some overpayment from SSI. This was in XXXX I left the money on the card for my son. So this year I was going through my CC and realized that the card in question had expired in XXXX of XXXX. I thought perhaps I had not updated my address with the company so I called and submitted a request to update my address. They would not let me update without providing identification. I obliged by providing my Drivers License, SS # and a current Student loan document with the date/address/and my full name. I received an email from the compliance dept stating they could not clearly see the documents. So I scanned and uploaded the documents again. I called and tried to explain the documents were in color and showed all 4 corners. So, I ended up sending/uploading these documents 3 more times and each time they refused to accept these documents. I called again and requested to close the account and to please issue a check so I can deposit the funds into my bank. I have not received any correspondence since. I receive a text from this card company stating the amount in the account but they claim they need the same documents but the documents must pass their compliance dept. This makes no sense to me considering all the documents were government-issued. They also sent a secured email claiming I wanted to reset my password which I did not make this request. I have encluded all emails.
07/09/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 90011	Web
A withdrawal of {$460.00} dollars was made on my card on XXXX XXXX, 2022. The withdraw was made at a XXXX ATM hours away from where I reside. I called the card company to file a dispute. They investigated and claimed no fraud was committed so I got in contact with them once again and they said to file again and said that I wasnt satisfied with outcome of dispute. They sent out paper work to be filled out and asked for further proof to verify that I did not make this transaction. So I completed the paper work and made a police report to send along with their paper work. The detective from the police department who was in charge of the report called and verified that indeed it was fraud and that it is crazy that they had come up with a conclusion of no fraud detected in the first place. I sent in all the paperwork in and every time I called they say they do have the paperwork and will look into it to call back in 7 days. Then when I do call back another person answers and says that my paperwork wasnt received. Its always a different answer and no one has helped me resolve this issue. They claim they will send a letter regarding the status but never do. I request to talk to a XXXX or someone at a higher position and they never want to transfer my call or get me in touch with anyone else at a higher position. This has been going on since XXXX and I had no answer on my problem or if they will return my money. I am so frustrated, just need help in getting my money back.
12/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92648	Web
Almost {$3000.00} was taken fraudulently from my Wisely bank account. This was for rent and groceries. Almost my entire pay check. I called immediately when I saw the fraudulent transactions on my account. This was on Sunday, XX/XX/2023. The transactions originated form an entirely different state ( Texas ). I live in California and that's where my mailing address is listed with Wisely. I was told that the claim might be resolved within 1-2 days. Also that I would receive correspondence via mail about the claim within 5-10 business days. I called to follow up on the claim on XX/XX/XXXX. I was told that the claim would now take 30-45 days to resolve as it was under investigation. I called again on XX/XX/2023. They said the claim was still under investigation and there was nothing they could do. I called again XX/XX/XXXX on day XXXX of the business day period as I still had not received any correspondence regarding the investigation. I was told that it should arrive. Maybe Monday ( XX/XX/XXXX ). I was now told that the investigation could take up to 90 days. I've still received no money back, no correspondence and each time I call I get told different information. I asked if they could send me an email with any information about the timelines and was told by their customer service representative that they can not send emails. I am currently living off credit as such a large amount of money was fraudulently taken from my account.
08/07/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 08021	Web
On XX/XX/2023 I made 2 purchases in the amounts of {$39.00} XXXX another for {$39.00}. On XX/XX/2023 I made a purchase for an item in the amount of {$39.00} and on XX/XX/2023 I made another in the amount of {$39.00}. These transactions were made from 3 different online companies but I found out afterwards that it is the same company and they area fraudulent company. I never received any of the items I paid. I received a refund from my credit card company, Wisely, for the first two purchases and after attempting to file a dispute for the second two they continue to tell me that they refunded my funds which is false. I was not allowed to file for the amount from the XXXX of XXXX supposedly because I had already been refunded which makes absolutely no sense. They told me that it does not constitute as fraud for the purchase from XX/XX/XXXX without an explanation as to why they found it this way. My account only shows the refunds for the first two transactions of {$39.00} yet Wisely employees are insisting that I have been refunded for the second two transactions even though my account shows otherwise. Contacting the company is impossible because after my first complaint to them they closed my account. After sending 3 more emails the website was not in existence per XXXX XXXX. No one is replying to the email : XXXX Any information or assistance you may be able to provide me with is greatly appreciated. Thank you kindly.
08/26/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 91764	Web
On XX/XX/XXXX at about XXXX, my debit card was used at a XXXX and XX/XX/11 in XXXX Ca XXXX there were 2 fraudulent transactions made at the XXXX for {$400.00} and XXXX fraudulent transaction made at the XX/XX/11 for {$40.00}. I contacted my bank, Wisely - XXXX, on XX/XX/XXXX ( when I realized there had been money stolen from my card ) to file a dispute. the person assisting me advised she would send a replacement card that would take about 7-10 business days. I called Wisely back 1 week later to get an update on where my card was as I still had not received it. the man assisting me that morning said he saw a dispute was filed, but no card was sent out. I then had to pay {$25.00} fee to get the card expedited. I received my card within 2 days and called to active my replacement card. the woman advised after activating my replacement card, my funds would be deposited within the next hour. I called the next day to check my balance and it was still showing {$0.00}. I called the dispute customer service line for Wisely and they told me my claim was closed and they did not see any fraudulent transactions were made. I have been contacting them on a weekly basis via phone and email ( no one has contacted me back on this matter or responded to any emails ) as I still have not received my funds back. They continue to tell me there was no fraud being made and have been no help whatsoever.
06/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OH 449XX	Web
I live in Ohio and I was saving my money on my bank card through the company I work for. It was a Wisely bank card. I never used the money. I gave the card to my grandparents to hold for me so I could save and get my own apartment, Im living with my grandparents.The only time I used my card was for insurance on my car which was done by phone. I went to withdraw some money and It said I only had x amount left. I had saved almost XXXX XXXX on my card before my insurance. After looking at my account, I seen that I had numerous charges to a XXXX XXXX XXXX Arkansas XXXX I've never been to Arkansas. I seen numerous others having same problem. I contacted Wisely they said they see no fraudulent actions and I had to write a letter to send to Wisely bank in California to dispute their decision. My friend who works at same place using same card got ripped off from same XXXX XXXX got reimbursed but they will not reimburse me? Now Im locked out of my account and only have a few screen shots of some of the transactions. Which Im glad I have at least that, but they are saying it was only XXXX, amount, but thats almost a XXXX off. Can you help me? Most of the transactions are in XXXX and a few in XXXX, all to the XXXX in XXXX. XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX ( XXXX on this day ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, two on this day.
11/22/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	LA 71118	Web
XX/XX/XXXX ( payday ) went to use card at store and was declined. Went to ATM couldn't get money out. Called mywisely they stated they made my card inactive until I send in documents to validate, I own the account. Been using this prepaid card given to me by my employer XXXX since XXXX and out the blue they need to verify I'm the owner. Documents from the list I chose and uploaded were : stated id, social security, utility bill, payslip from employer all showing my first and last name that's the same as the name on my wisely account. Sent these on XX/XX/XXXX and was told to give 3 business days called back on Tuesday XX/XX/XXXX and was told those documents don't suffice and my birth certificate and marriage license are the only documents that can prove that I'm the owner of the account. Do not have access to these documents and no matter what mywisely continues to not give me access to my prepaid card by keeping it inactive. I tried to close the account they said I can't until I send in those two mentioned above and its now three pay periods, I have not been able to have access to the money I worked for because mywisely refuse to make my card back active. Due to this I have been late on rent and charged fees due to mywisely refusing to accept the valid documents I sent in with reference number being XXXX I had to give when uploading the documents.
05/04/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	WA 98375	Web
In XX/XX/XXXX between XXXX XXXX there were multiple charges on my card from food companies and store companies that I never used or made purchases from. Once I noticed the card was missing I called and canceled it and also made a police report. The company Wisely says I made these purchases WHICH I DID NOT. It was over {$900.00} spent out of my account during this time for FOOD!! and 90 % of the food is out of state purchases. None of these company 's used my pin number for the purchases seems like online purchases. I dont know, just a guess on how this happened. I do not have accounts or associations with these company 's in anyway ever. Also its hundreds of dollars spent per day on fast food. I'm a YOUNG homeowner would never spend my money recklessly this way. These are the charges im not getting my money refunded for : XX/XX/20 XXXX {$25.00} 1XX/XX/20 XXXX XXXX {$31.00} XX/XX/20 PIZZA {$32.00} XX/XX/20 PIZZA {$35.00} XX/XX/20 XXXX XXXX XXXX {$53.00} XX/XX/20 XXXX XXXX XXXX {$53.00} XX/XX/XXXX XXXX XXXX XXXX {$35.00} XX/XX/XXXX SP* XXXX XXXX {$84.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX {$120.00} XX/XX/XXXX XXXX* XXXX {$98.00} XX/XX/XXXX PX XXXX XXXX {$37.00} XX/XX/XXXX XXXX {$20.00} XX/XX/XXXX XXXX {$25.00} XX/XX/XXXX XXXX {$36.00} XX/XX/XXXX XXXX XXXX XXXX {$61.00} XX/XX/XXXX XXXX XXXX XXXX NY {$20.00}
10/02/2021	No	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 95660	Web
Ok so i work for an XXXX XXXX and had the option to get my paycheck on a payroll card known as XXXX, and about a couple weeks ago i lost my wallet.. I informed XXXX immediately and they put a stop to my card.. They then told me they would issue me a new card but it was going to take 7-10 business days to receive or i could spend {$35.00} to get a new card expressed shipped so i agreed to pay the {$35.00} and not less then a week of having the NEW card, I had someone fraudulently withdraw {$180.00} from my account at a XXXX XXXX XXXX ATM.. I instantly called them and then they said they would put a stop on this card now but i would have to pay another {$35.00} to get another new card.. well 2 days past and i have gotten no card or anything.. so i called again because now it is the XXXX and i have rent to pay and they told me that my card was never sent out so they had to issue me a refund. Never got a refund but was told to call back in 2 business days to talk with someone in disputes. I have now been served with a 30 day notice because i cant access my funds to pay my rent. And they arent even trying to help me.. i dont know what im going to do.. Id never thought id be XXXX.. i even asked if they could send my money that i work hard for to another debit card i have and they said NO.. please help me
05/25/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NC 28117	Web
I have a wisely debit card and my account was hacked on XX/XX/XXXX ( an online clothing store ) & XXXX ( food delivery XXXX XXXX in XXXX XXXXXXXX XXXX ) 2022 after placing a travel notice for XXXX XXXX XXXX XXXX the Wednesday XX/XX/XXXX which I was made to do when in the state of XXXX XXXX attempting to get gas about halfway through the trip. On XX/XX/XXXX, when I noticed the unfamiliar charges I withdrew most of the balance then reported to wisely dispute transaction department and my card was discontinued and I was told to expect my New card in XXXX days. Today is XX/XX/XXXX. I have gone through several attempts to resolve this problem in chats and phone calls. My complaint was never escalated during phone calls as each of the 4 times while on hold for a supervisor my call was disconnected. On the several wisely website chats ( all of which are untrainable ) I was told after requesting to speak to a supervisor that I would be getting a call within 2-4 hours. I never received the calls. Most of the chats were ended while still in discussion about the issue. The individual I spoke with on Sunday the XXXX noticed my new card still wasn't sent and ordered it overnight delivery for {$35.00} which they took out of my account. I still haven't had the disputed unfamiliar charges put back in my account.
08/24/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 92324	Web
I had gone to XXXX XXXX XXXX to take out my check well part of it XXXX dollars the machine dispensed XXXX at XXXX XXXX XXXX the atm machine was mistakably stocked wrong XXXX dl bills were in the XXXX slot and the XXXX dl bills were on the XXXX slot so i called XXXX XXXX XXXX and let them know what was going on with there atm then i called XXXX XXXX to open a claim so i can get my money back XXXX XXXX i opened the claim I opened my claim on XX/XX/XXXX i got my response yesterday saying that fraud was never done and there will be no credit because their team of investigator found that there was no wrongful doing at XXXXXXXX XXXX XXXXXXXX i have called both backs since XX/XX/XXXX everyday i was not the only one this happened too so how would they not find nothing if both back and pay services were called the claim at XXXX has been closed i have 3 girls and late on my rent because of this i have no money and now this that my money can not be returned had XXXX XXXX called XXXX XXXX XXXX like stated they would had learned their atm machine was at fault both businesses have been giving me the run around and like mentioned before how do i pay my bills if no one wants to help me i don't want them to give me xtra money i just need my money and an apology for their lack of investigation
07/30/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	AR 727XX	Web
I had 12 charges to my card on XX/XX/2021 from a XXXX account using XXXX XXXX to send money to another XXXX channel. These charges were not made from my XXXX account or my XXXX account.. there is a very clear list of charges that date back further so i can prove that. I have also never sent money on XXXX with XXXX XXXX so its not even something I do. These charges happened after i went to sleep i believe XXXX ish. I didnt notice them till a few weeks later because my email linked with the card gets a ton of articles and sale notices so i get like 30-40 emails of nonsense a day sometimes. I disputed this because ive had my card stolen from businesses who use foreign processor usually a few times a year because they do not disclose what cc processor they use, and I have never once been denied and this one is classic fraud tactics ton of small charges thru intermediaries funneled XXXX channels. I was not provided any information and I even disputed this thru XXXX who came back with unable to confirm fraudulent activity ... makes no sense the card was used from another account and they did not provide me with any details of why their investigation ended in a denied claim. Didnt get told who actually used it or who they sent it to, and I have no further way to follow up with XXXX.
05/22/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33025	Web
I have been a XXXX XXXX and I received a wisely card with my direct deposits in XXXX. I worked through XXXX and got direct deposits on the wisely card. I have some direct deposit set up on my card but it is not my main card. On XX/XX/XXXX, I went to XXXX and attempted to make a transaction for XXXX $ and it was declined. Once I got into the car I went on the wisely app and immediately called the service line. There were 5 unauthorized transactions. XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, and XX/XX/XXXX XXXX. All transaction were unauthorized and none were flagged by the Institution. Customer services locked my card, issued another one and said I would receive a letter to dispute to help the investigation. I never received any such letter. On XX/XX/XXXX I filed a report with XXXX XXXX police department and received a case number. On XX/XX/XXXX I received a letter from wisely by Adp cardholder dispute department saying that the investigation is finalized and no credit will be issued. I immediately called the customer service department and they said I would need to write a letter to reopen the investigation. I spoke to XXXX and the call center is in the XXXX. I worked hard for my money and I would greatly appreciate if I can get it back!
06/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	NY 11206	Web
i've done a dispute and its been more then 45 days this company hasn't answered me about received my provisional credit because ive made a dispute about some charges ive spoken with XXXX at XXXX XXXX today XX/XX/23. he basically told me like everyone else just sit down and wait either wait the 90 days until the investigation is over to receive anything I want to know why no one can answer me about receiving my credit until they figure out there investigation I feel like I'm being discriminated against the way im being handle im asking question and not receiving any answers back basically they keep telling me that department will get back to you in two days they've told me this more then three time that ive called then they said they sent me a letter for the credit never got it called back they said they will send me an email never got it called back now the next two times they told me someone will call me in two days no one has called yet its almost the 90 days mark I want to know why I have to wait for my money when it should be insured with this bank I must know are they treating everyone fairly when it comes to requesting for credit while they do there disputes and I will like proof of it cause me as a consumer feel I must be treated fairly like everyone else
08/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92780	Web
I have an ADP Wisely pay / debit card. On XX/XX/23 some fraudulent charges had just automatically started to drain from my account, thankfully not much but it is still alarming. Especially when the vendor is saying XXXX XXXX XXXX. XXXX does not have this card on file, or any card that I can think of. So it is obviously a scam of transactions. I looked it up and there are many complaints stating these charges are scams. I started the dispute the same day. Card has been replaced since. But what we were not immediately told, is that it will take up to 45 days ( including up to 90 days ) to not only complete the investigation but to see the funds returned. Does this not mean that due to the limitations, I may never get my money back? This is my complaint. Upon research, many places say up to 10 days the funds should be returned for a debit card, I have a debit card. Even if it is temporary, and the charges are determined to be legitimate. Which in this case, I neither approved nor knew about these charges. I happened to be on my account when I noticed it. I'm glad I did, because the charges could have gone on! It started at {$15.00}, {$15.00}, then {$5.00} and {$5.00} and the charges are small so that they stay under the radar and not get caught.
05/02/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MI 48708	Web
Back in XXXX, XXXX my prepaid card had a negative balance of over {$330.00}. My card is the XXXX XXXX XXXX by ADP. It is a Visa card. I started a dispute back in XXXX, ad the charge for the room at the XXXX XXXX in XXXX XXXX, MI was unauthorized. The card was to be used for incidentals only, of which I had none. I paid cash for the room, and provided ADP with the receipt showing this. I was told about 3 weeks ago I had to re open the claim as there was a note on my file regarding this, but the claim was never formally started due to a staff error. This is not my fault not is it my problem. The claim was re-started at the beginning of XXXX. I emailed all my proofs to ADP. I received a 1 page dispute form in the mail 5 days AFTER the due date. There were instructions to fill out the 5 pages that were " enclosed. '' The only document enclosed was a cut off cover letter. ADP is purposefully avoiding doing their job and investigating this dispute. It had been almost 6 months and my dispute has not been resolved after showing proof that I paid cash for the room and the charge was not authorized. I am getting ready to take ADP to court and ask for a Writ of Mandamus to compel them to perform their duty to investigate as required by law.
04/14/2022	Yes	Debt collection Mortgage debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CT 06776	Web
My Name is XXXX XXXX I work for XXXX at XXXX in XXXX CT, On XXXX XXXX, my paycheck show a garnishment deduction I called ADP on XXXX XXXX to find more information about it I was told that it was a court order when I know for sure that is not one going on, I didn't get any warning about this, I couldn't get any help over the phone so I send an e-mail to the wage garnishment department I got an email back saying that someone will contact me but no one did, in the main time I got another deduction on XX/XX/XXXX, I send a second email on XX/XX/XXXX with all the information about this debt that was resolved and close on a XXXX XXXX bankrupcy in XX/XX/XXXX, I got an email back saying that they were working on my request and should expect to hear back within one business day, but no one has contact me. On my XX/XX/XXXX paycheck another garnishment deduction was taken what makes total of 5 consecutive deductions. I'm attaching all bankrupcy information as well the emails that i send to ADP ( XXXX 's payroll company ) I'm attaching a letter that I send on XXXX when this collection company try to collect the same debt and was dismiss just with that letter until now. I'm also attaching my last paycheck showing the total amount of garnishment
12/23/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	NJ XXXXX	Web
XXXX XXXX XXXX XXXX at a restaurant in XXXX owned XXXX XXXX XXXX. I was told they pay on this XXXX XXXX XXXX. I trained XXXXXXXX XXXX and decided not to go back. I received a XXXX XXXX XXXX that I registered and when I checked I had XXXX something XXXX on it. I tried using the card XXXX XXXX at XXXX and such for small purchases when traveling and the card did not work. I saw on an email that it is not set up for traveling and it did NOT give a reason no funds? So I never really bothered witht he card since it had such little funds. That was in XXXX, I recently called the back of the card to see why I could never use it and it said my balance was XXXX. That is impossible since I never used it. I called them up and they said I registered it and I never deposited money. I told them my job did and they said they checked and there are no funds ever put on. This is a lie and XXXX. They never sent me paperwork as proof and now everything is wiped out? They are a scam, they wouldn't let me take my money out and made it so frustrating an now XXXX later it is gone and since they only have online info they wiped it out. I want my money sent to me in a check and this company investigated. They have terrible views of misconduct.
06/05/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CT 06511	Web
On XX/XX/2023 an unauthorized withdrawal of {$260.00} was made from my account with Wisely pay.I had my card in my possession at the time.I called and reported this and my card was canceled and a new one issued.I was transferred to the disputes department who advised me that I would receive a statement of fraud form in the mail, to fill out and return.I received it on XX/XX/2023. I filled it out and emailed to the address I was given.On that same day, I received another email stating that they did their investigation and there was no error so I will not be getting back my money. On XX/XX/2023 I wrote and mailed a letter asking for all the evidence and documentation that was used to determine the outcome of my case. I haven't received any further correspondence, therefore this complaint.This is very inconvenient and frustrating to me. My physical card was never used because it was with me. I was never at that location on that day. The company info is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I am still in possession of the card that was canceled. So if there is a way to verify that my physical card was not used, that would be helpful. I eagerly anticipate a reply. Sincerely XXXX XXXX
02/22/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 070XX	Web	Servicemember
On XX/XX/2022, a fraudlent transaction took place with my Wisely paycard in the amount of {$600.00}. An unknown individual withdrew that amount out of an atm while I was at work. I immediately called the Wisely paycard services and alerted them of the fraudlent transaction. For the following weeks I've had multiple attempts for more fraudlent transactions but were denied since I canceled the card. The Wisely company then sent me an email stating that no fraud occurred even though I was no where near the area where the transaction took place. I was at work all day, I had sent a written letter to dispute the resolution and reopen my case. I then sent a statement of fraud to the company and I still haven't received any type of documentation or evidence that the company used to determine it was not fraud. They have not responded or updated me with any information. They refuse to help and they refuse to send me anything that they used to determine it was not fraud. It has been over two months and still no resolution, any help would be much appreciated. I feel like Wisely does not want to help, I did everything I was suppose to do under the zero liability cardholder agreement and they refuse to honor it.
04/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WV 255XX	Web
XX/XX/XXXX - {$220.00} XX/XX/XXXX - {$25.00} XX/XX/XXXX - {$350.00} XX/XX/XXXX - {$420.00} XX/XX/XXXX - {$20.00} A dispute was filed on XX/XX/XXXX for the transactions above. These are all XXXX XXXX. I was told that it is still under investigation, but they do not have to provide a provisional credit after 10 business days. ( i ) Is received by the institution no later than 60 days after the institution sends the periodic statement or provides the passbook documentation, required by 1005.9, on which the alleged error is first reflected ; ( ii ) Enables the institution to identify the consumer 's name and account number; and ( iii ) Indicates why the consumer believes an error exists and includes to the extent possible the type, date, and amount of the error, except for requests described in paragraph ( a ) ( 1 ) ( vii ) of this section. ( 2 ) Written confirmation. A financial institution may require the consumer to give written confirmation of an error within 10 business days of an oral notice. An institution that requires written confirmation shall inform the consumer of the requirement and provide the address where confirmation must be sent when the consumer gives the oral notification.
08/12/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	IL 62704	Web
I started working at XXXX department store located at XXXX XXXX XXXX XXXX, IL XXXX operated by XXXX XXXX. I started work with them XX/XX/2021 and because I was only XXXX I opted to use the Wisely ADP payroll card. They initially sent the prepaid card to the wrong address. After multiple calls from the XXXX XXXX, XXXX HR and also me we were able to update and fix the address. At this point 4 weeks of paychecks had been deposited into my account and I was owed {$470.00}. Every single card they would send to me, once activated was showing {$0.00} and it seemed not to be connected to the XXXX account. My mother spoke with the customer service numerous times and they would repeat the same verbiage and we could never get any help. Also, the Store Manager of the XXXX store along with HR for XXXX have tried multiple times to get this resolved. It has now been a year and I have yet to receive my funds and when I've contacted XXXX they just put it on Wisely ADP. The store managers name is XXXX XXXX. I would like to be made right for this money owed as I did work the hours. XXXX can confirm that I worked all hours and I am still owed {$470.00}. Please help me resolve this issue. Thank you
02/16/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	AR 716XX	Web
On XXXX I ordered some stuff from XXXX. it was {$14.00} something.. I had a hold on my debit card for {$68.00}.. but it wasn't a charge. I called my bank and asked them to remove the hold.. They said I disputed the transaction and deactivated my card .I told them that I authorized {$14.00} and to not deactivate my card but they did anyway.. Wednesday XXXX the money from the hold was released back into my account. The charge for {$14.00} for XXXX still went through ( eveb though it wasn't fraudulent ). I haven't had access to the money in my account for 4 days because the bank deactivated my card. I asked the bank to please reactivate my card or allow me to use the transfer money button in the wisely app. They won't reactivate my card or allow me to transfer my money to another account.. The bank said that I have to wait an additional 7 to 10 business days to receive a new card and I would have to wait to receive the new card before I can have access to my money.. My paycheck will be deposited into this account by XXXX. I going to be denied the use of those funds as well.. Unless I want to pay {$35.00} for an expedited card. Which is ridiculous.
06/28/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	FL 32809	Web
I went around XXXX XXXX time on XX/XX/2022 to purchase a XXXX to pickup a bed and couch for my son.. When I was done. I tried to put gas in my car and it declined. I told the XXXX that is in possible I have over {$880.00} in my card. Told him to try it again and it declined when I check my balance it says XXXX fraudulent transaction XXXX for {$400.00} the other for {$380.00}. When I look at the statement both transaction were done in XXXX, FL. XXXX hours and XXXX minutes away. I live in XXXX, Fl. When I reported to the card company that I told them I physically have my card in live in XXXX, FL How in the world someone can take an ATM withdrawal the same time I am in XXXX purchase a XXXX that physically was done. I told them this is my rent money. I have been XXXX with XXXX kids I am not going let this happen to me again. If I pay my rent late this will risk me from renewing my lease. This all the money I had. You can see it was fraud they told me I have to wait 45 days until my fraud dispute get resolve that is unacceptable. I thought my money would be safe you can plainly see it a fraud but you tell me I have to wait.
10/05/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30144	Web	Older American
I called the # listed by employer for ADP to address that 70 % of my pay was being garnished every 2 weeks as opposed to the 25 % noted in a statement I received from the law firm that never served me the court order. ADP has a phone prompt that direct you to a # supposedly to the XXXX County Magistrates Court. Calling the # did not take me to the Magistrates office instead it went directly to the law firm that continues to target me every couple of years for non-payment of HOA fees that cant be paid due to same law firm blocking annual payments. I attempted to pay last years HOA fees in an attempt to prevent another occurrence and was not allowed to make a payment due to my need to settle the previous alleged debt. I have brought the concern ( my disposable pay is {$1200.00} bi-monthly, {$860.00} is being garnished for an undetermined time for a dept of an amount that supposedly includes a {$1300.00} principal and {$4100.00} atty and court fees ) to my employer who keeps referring me back to ADP who doesnt respond in person. I am a XXXX y/o single female who can no longer pay my mortgage, my utility bills, etc, etc
09/16/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 91335	Web
This complaint is in regards to 8 unauthorized withdrawal transaction, made from my payroll prepaid wisely debit card. On the dates of XX/XX/2022, and XX/XX/2022, there were 8 unauthorized withdrawal transaction, made to my wisely account in total amount of {$2000.00} dollars on XX/XX/2022 there were 4 unauthorized transaction in the amounts of {$200.00}, {$400.00}, {$200.00}, {$200.00} from a XXXX XXXX atm XXXX bank on XXXX and XXXX in XXXX XXXX the total amount of {$1000.00} XXXX XXXX dollars on XX/XX/2022 there were XXXX additional transaction in the amounts of {$200.00} {$300.00} {$300.00} {$200.00} from a XXXX XXXX atm on XXXX XXXX XXXX XXXX XXXX bank in the total amount of {$1000.00} sum total of {$2000.00} I filled a complaint with wisely Adp but I was told that there were no error had occurred and that was the final response I received. I wrote them a letter requesting the information and documents that were used in there investigation and I have not yet received a reply to my request this Is why I'm filing thus complaint with you guys please help me retrieve my hard earned money back
02/02/2022	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	CA XXXXX	Web
I hired ADP to process payroll for my company from XX/XX/XXXX through XX/XX/XXXX. Without my knowledge, they sent my account to an overseas company. Not only did they use a Tax ID that I did not provide them with, they also neglected to report the wages of one of my employees correctly to the XXXX. They were dishonest and still have not corrected these issues. My State and Federal filings were incorrectly done and the representative XXXX XXXX, in XXXX XXXX, passed me to XXXX XXXX, who is supposed to be a supervisor. Both ladies ignored my calls and never fixed the problems. I have spent over a year trying to correct this and nothing. Have called the XXXX number given to me several times and still not taken care of. Instead of correcting the issue they just stopped dealing with me and decided to send me to customer service. Who has no idea what has happened and seems to not care about fixing the issue. XXXX XXXX handled incorrectly. Pulled money from my accounts and put large sums in XXXX account that I still don't have back. Address at XXXX changed 9 times. Its been a huge nightmare.
11/29/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	OR 97317	Web
On XXXX my card was compromised and used to make a {$48.00} XXXX XXXX transaction that I didnt authorize or have any knowledge of. I contacted ADP and had my card blocked as well as let them know this was not me as I have NEVER sent XXXX XXXX to ANYONE EVER! They advised me to submit a statement attesting that I did not make thecharge ( see attached ). Also, they advised me they had to investigate and that it could take up to 45 days. I kept calling and checking the status and they kept telling me they were still investigating. I just received notification that they are not going to reimburse me and that I MADE THE CHARGES. I am livid and outraged. I dont know what kind of investigation they did ( or didnt do ) but they are 1000 % wrong. I WANT MY MONEY! I also reached out to XXXX who said they had NO transactions in my name for {$48.00} and said I needed to reach back out to my bank? How did ADP come to the conclusion that it was me when XXXX verified I did not do this transaction? I want them to make me whole and provide me with the evidence of their sloppy so called investigation.
03/24/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to sue you for very old debt	CA XXXXX	Web
Good afternoon, I have a collection with XXXX XXXX XXXX of amount : {$92000.00} There is a settlement for the amount of {$23000.00} for the next 4 months with our first payment on XX/XX/23. I spoke and emailed our account agent XXXX XXXX and explain to him that we are having financial difficulties and if we came make another arrangement that can fit our financial situation as this is our first arrangement plan and he simply didn't want to hear it and just said no and he will escalate to suing us, i ask to speak to a manager. I also spoke to a XXXX XXXX XXXX it was the same situation to the point of both of them yelling at me, not hearing my situation. Like I mention, I know we owe this debt we want to start paying it, but we are having a hardship to where is preventing to keep this settlement going. If you can please speak to them on my behalf to rearrange this settlement. I will be wiring the amount of {$23000.00} on XX/XX/23 because I don't want any legal issues as they kept threating me with. I just want to rearrange the payments that fits with my company. Thank you! XXXX XXXX
11/29/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77449	Web
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of Missouri to my place of employment using the company ADP Inc . I am a consumer in the state of Texas. My wages are earned in the state of Texas. ADP has sent a email stating the garnishment order is valid from the state of Missouri. The state of Missouri also does not have any jurisdiction in the state of Texas. Pursuant the Texas Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the Missouri court order can stop the garnishment. This is a violation of my consumer rights and Texas state laws. I did not give ADP ANY permission to collect ANY debt from my wages. An FTC Complaint has been submitted as well as a Texas Attorney general complaint.
11/03/2022	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble closing card	FL 33705	Web
On XXXX XXXX @ XXXX, I logged into my my wisely card account unlike any normal day of each month, to notice my account was inactive.I wasnt notified via email nor by phone from this company to let me know about this issue.I have my Social Security benefits to be direct deposit to my wisely card to pay my rent and bills each month. This company made that impossible for me to pay Merchants for other sources this month ; to keep me and my XXXX XXXX XXXX son homeless.I went into my local Social Security administrative of me not receiving my benefits today, and that Wisely card customer service is claiming they havent received any SSDI payment for me. Social Security administration said that money was deposited into the wisely bank and that is showing from the treasury that it was sent off to Wisely bank.Call Wisely spoke with the supervisor she was no help {$1000.00} was on my card {$700.00} Wisely claiming they didnt receive any from Social Security administrator when I seen a pending before I seen my account was inactive. They change my debt card it different from the card I used.
03/23/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MI 499XX	Web
My wallet was stolen and as I dont use my Wisely card often I didnt notice it right away, Charges were made over XXXX miles away from my home. I contacted ADP who was less than helpful, couldn't speak english and was told to email XXXX XXXX XXXX for a provisional credit as they do not do this automatically i emailed the dispute address asking for a provisional credit under regulation E. A few days later i recieved an email saying they closed my dispute. When this happened I didn't have an issue with XXXX, or my local bank. A quick XXXX search showed many complaints of ADP doing the same thing to customers who requested a credit and not handling disputes accordingly. i am not one to complain but this is ridiculous and the lack of compassion and professionalism is unreal. my next step will be contacting the CPFB, FTC, the state attorney general, and contacting a lawyer if this isn't resolved. ADP needs to reopen my dispute and credit my account. DISPUTE CASE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
02/18/2023	No	Money transfer, virtual currency, or money service Domestic (US) money transfer	Unexpected or other fees	CA 92821	Web
I recently switched jobs and I did a 401k rollover from my previous employer plan to the rollover IRA in XX/XX/2022. The previous employer 401k plan was offered by ADP through XXXX XXXX. The plan levied a hefty transaction charge of {$40.00} for the rollover transaction I made. I do not know who has jurisdiction over capping such high transaction fees. I read that you have recently proposed a rule to cap the late credit card fees to {$8.00} and was wondering if you have jurisdiction over capping transaction fees as well when an individual rolls over 401k from one plan to the other. I tried contacting XXXX XXXX and they replied that this is the fees that they charge and they won't reduce or waive off the transaction charges. Please refer to Page 11 of the attached document of ADP that mentions the excessive fees - " {$40.00} Distribution fee on all distributions except installment payments and return of contributions relating to testing results and IRS limits '' If you can provide me information on the agency who I can reach out, that will be great. Thanks
11/30/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	TX 77449	Web
A debt collector by the name of XXXX XXXX XXXX submitted a Garnishment Order in the state of XXXX to my place of employment using the company ADP Inc . I am a consumer in the state of XXXX My wages are earned in the state of XXXX ADP has sent a email stating the garnishment order is valid from the state of XXXX. The state of XXXX also does not have any jurisdiction in the state of XXXX. Pursuant the XXXX Constitution Article 16. Section 28. GARNISHMENT OF WAGES. No current wages for personal service shall ever be subject to garnishment, except for the enforcement of court-ordered child support payments or spousal maintenance. I have contacted ADP at XXXX and was advised that the garnishment is valid. ADP advised that they will not stop the garnishment. ADP advised that only the attorney from the XXXX court order can stop the garnishment. This is a violation of my consumer rights and XXXX state laws. I did not give ADP ANY permission to collect ANY debt from my wages. An FTC Complaint has been submitted as well as a XXXX Attorney general complaint.
02/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	CA 90706	Web
I lost my card XX/XX/23 and requested a new one from that day ADP wisely said I should receive the card within 10 business days WHICH I NEVER DID RECEIVE. So to start from XX/XX/23 to XX/XX/23 I had about {$7500.00} taken out of my debit card with over 35 transactions in those days and my company wisely ADP did not stop or detect any fraud. I called them and disputed all those transactions in which they made me fill out paperwork and send it back to them. I sent them as well a letter we received from the United States postal inspection service stating that mail was stolen from our facility and to lock our accounts and to call credit unions since it was stolen. ADP WISELY sent a letter in the mail with a final resolution on the case with NO detail information on why they denied the claim as well as no reason or proof why they declined it. I called the dispute departments and they would not help me or have any information and would place me on hold then abruptly the call would hang up. I even gave them my call back number and they did not reach out to me.
03/12/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IL 60647	Web
On XX/XX/XXXX, {$980.00} was stolen from my wisely prepaid card provided through my employer while I was at work. The purchases were made in 2 different cities I do not live nor work in. They give you 10 days from when the claim was filed to send in all the proof of fraudulent activity and sign paperwork. I didnt not receive the paper work until XX/XX/XXXX but they closed the investigation on XX/XX/XXXX. Apparently this company sends out resolution letters to tell you the next steps or how to appeal. I was told I could not appeal until I get this letter. They said it was sent out via postage on XX/XX/XXXX and I would receive the letter in 7 to 10 business days. I didnt receive this letter until XX/XX/XXXX. The letter stated they found no nothing suspicious and their decision was final. So I sent in a handwritten letter with proof that I was at work. I sent all the documents on XX/XX/XXXX to their po box . I sent the letter through priority mail and it arrived on XX/XX/XXXX. They are claiming they still have not received the letter. Please help.
10/27/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	CA 93536	Web
On the morning of XXXX I viewed the transaction history on my Wisely by ADP pay card and there was a transaction I did not make for {$14.00} made for or by XXXX XXXX XXXX XXXX. I immediately contacted the Wisely customer service center to report it and cancel the card. They have since given me the run around regarding this Transaction and then sent a notice with the finding that it was not a fraudulent transaction. Upon review and multiple attempts trying to discuss this issue with someone the only advice was to write a formal request to receive the documents used to make the decision and reopen the claim. So on XX/XX/2023 I mailed them a letter to the dispute address provide and have since still been given the run around and told they did not receive my request. I keep getting hung up on or told the only option is to wait for a call back but nothing is done. This is horrible to treat people like this and I understand people lie but if they looked at my transaction history and actually investigated they could see I did not make this purchase.
04/04/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 95020	Web
On XX/XX/2023 I TRYED TO GET {$100.00} FROM A ATM MACHINE IT SAID BANK UNAVAILABLE THAN I SAW WISLEY CARD CHARGED ME SO I STARTED MY DISPUTE FOR {$100.00} {$3.00} BEING WHAT THEY CAHRGED TO FOR THE ATM TRANSACTION AND {$100.00} FOR THE MONEY THEY CHARGED ME BUT WASNT GIVEN TO ME AFTER WAITING I CALLED BACK XXXX XXXX AND FROM THERE TO NOW THEY HAVE BEEN TELLING ME EVERY DAY THAT THERE GON NA EXCULATE IT TO CALL BACK IN 1 TO 2 BUSINESS DAYS THATS WHAT IVE HEARD FOR A WHOLE WEEK NOW I CALL AND THEY SAID THERE CLOSING MY DISPUTE, THEY ENDED UP GIVEING ME CREDIT FOR {$3.00} AND SAID THAT THEY DID THE DISPUTE WRONG AND ONLY DISPUTED THE {$3.00} INSTEAD OF THE {$100.00} BUT STILL NEVER GAVE ME THE CREDIT FOR THE {$100.00} AND NOW THERE CLOSING MY DISPUTE WHICH IS CRAZY BECAUSE WHY WOULD U JUST CREDIT ME THE {$3.00} WHY NOT CREDIT ME MY {$100.00} SO THEY HAVE MY MONEY AND DONT PLAN ON GIVING IT BACK TO ME IVE BEEN TALKING TO SUPERVISORS AND THE SUPPORT TEAM SAME THING EVERYDAY I NEED HELP I NEED TO GET MY MONEY THEY TOOK FROM ME.
10/03/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NJ 07040	Web
Good afternoon, Consumer Financial Protection Bureau. Thank you for our phone consultation and expressing to file another complaint. Below is the initial complaint that was filed : Wisely Pay has a feature called preauthorization hold that's automatic. I am seeking for Wisely Pay to please stop having this feature applied. There are declines when there are sufficient funds because of this. These transactions are not out of the U.S. There is a transaction that was disputed. I filed a claim within the timeframe. I expressed that the transaction was not authorized. Wisely Pay had not resolved the issue or proceeded with the claim when it was requested in writing for Wisely Pay to do so. Per our phone consultation, I am refiling the same complaint because Wisely Pay had not followed their protocol. The protocol is to present what Wisely Pay had utilized to make its determination. Wisely Pay had not presented to the consumer what was utilized when responding to the complaint. This was requested in-writing.
04/25/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	NY 112XX	Web
Someone used a skimmer to get my card information on XX/XX/XXXX at XXXX someone withdrew {$1400.00} dollars from my payroll card I mi went to the police and filled a report the went to the location where the money was taken out from and they have the video surveillance of the person who committed this transaction I call the payroll company who provide the card and they said that they will send me a form for me to sign when the get it back they will start a investigation they said it take 45 to 90 days but on XX/XX/2022 they close my case without them receiving my sign documents now they will not reimburse me the money that was stolen Im need help in this matter I have my police report I have my bank statements and I also have the picture the detectives send me of the person who committed this fraud my contact is XXXX or email XXXX I was told I can file a report with you for help in this matter feel free to contact me if you need all the documents I have included a picture of the person involved in this
03/22/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92704	Web
Well this happened 2 years ago but I contacted them a soon as I seen the transaction had posted since I had my security alerts sent to my phone, so every time I made a purchase it would send me an alert straight to my phone, well anyway I was at work when I had received an alert that someone had withdrawn {$60.00} then {$200.00} not including the {$1.00} fee for trying to see my balance but it's weird how they managed to take my funds from my account If I had my debit card with me. Long story short like I said I contacted them and i told them what had happened they supposedly they submitted a dispute and i was supposed to receive some letters in the mail regarding the incident but I never received anything and I've tried to contact them almost every day but couldn't get thru to them now it's been like I said 2 years and now they're telling me that they can due anything about it but see thats not fair cause I told them a soon as it had happened. Is there any possible chance for me to still get my funds.
09/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 60174	Web
I had several accounts hacked at the end of XXXX including my debit card with Wisely ( ADP/Global Cash Card ) being use without authorization to rack up some {$1300.00} in charges. I had one previous merchant dispute for {$100.00} parking that happened a couple weeks before ( they didn't resolve it ) otherwise had no issues up until this point. My problem with Wisely is that they place the burden of unauthorized activity on the consumer. It's been almost a month and I still don't have any of the funds returned to my account. It's over {$1000.00} dollars! Not being given provisional credit for transactions I didn't authorize is absurd and it puts all of the burden on the consumer that's not fair at all. They have not been helpful I have sent them everything they've asked for and more, I've emailed and called to check on credit and am told they don't do that. Well guess what, if you're going to operate like a bank I expect the same protection. I want the credit issued to my account immediately.
06/26/2022	Yes	Checking or savings account Other banking product or service	Managing an account Fee problem	NM 88005	Web	Servicemember
After leaving my job with a company named XXXX, I requested a distribution check from ADP/XXXX to roll over the XXXX that was managed by the company into a personal IRA. ADP/XXXX XXXXharged a {$40.00} fee for this check, which is higher than I have experienced with other companies, and seems a tad extortionate just for mailing out a check, given that I never had the choice to use ADPXXXX for my retirement account in the first place. Additionally, the Distribution Statement that I received made no mention of the {$40.00} fee, which seems intended to obfuscate. They did notify me verbally of the fee when I requested the distribution, but the omission of the fee from the final statement seems highly questionable. If possible I will attach a scan of the distribution statement which omits the fee, as well as a transaction history screenshot of my ADPXXXX account transaction history, which shows the fee, but which I had to intentionally seek out for the purposes of filing this complaint.
03/27/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	FL 321XX	Web
I last used my card I believe the beginning of XXXX. I was paid for shifts I had worked I believe the amount for those shifts settled on Friday XXXX XXXX. On XXXX XXXX around XXXX I sent my sister {$20.00} on XXXX XXXX XXXX which my wisely card was already linked to my XXXX previously so I didnt need my card. The last time I physically remember seeing my card was around XX/XX/XXXX. I tried to use my card to transfer money and it was declined which prompted me to try and login my wisely account to check my balance because I knew there shouldve been over {$700.00} left on my card. I was unable to login to my wisely account which made me look for my card which I was unable to locate so I contacted wisely right away and was informed all my money had been taken that was on my card from different transactions from withdrawals to payments for different things. Im contacting you guys to assist me with rectifying this situation because Ive never dealt with an issue of this magnitude before.
11/01/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 77055	Web
I contacted wisely pay cards dispute center on XX/XX/XXXX after recieving a letter of a disputed charge in which they didn't properly dispute the correct transaction. Once they corrected the issue and filed a dispute for the correct transaction. i received the correct dispute letter on XX/XX/2022 and sent it back through email on XXXX XXXX as of XX/XX/2022 i had not received any provisional credit as stated by bank. the time frame was to send the form back within 10 business days from the form being mailed to me. i contacted the bank XX/XX/2022 regarding the dispute and credit. i was told that i needed to request the credit verbally, which is not true. stating they would file a request for the credit today. Wisely card company has a habit of deceiving consumers who file disputes because they dot want to assist. they create obstacles that's not even in their terms and conditions in order to not have to provide provisional credit. as of XX/XX/2022 i still have not received credit.
05/29/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75160	Web
On the day of XX/XX/2023 my bank account was hacked and a total of {$1200.00} was taken from my checking account without my knowledge or authorization. According to the bank transaction record my money was taken from my account through several simultaneous atm withdrawals at an atm located in a XXXX store approximately XXXX miles from my physical location at the time. I have already contacted the bank that manages my account, but they are not at all willing to help me in any way or investigate the case properly. They also made the mistake of depositing my most recent paycheck into the very account that was compromised and now they are refusing to give me the money from my paycheck that was deposited into the hacked account. The current balance in the account is {$500.00} and they are refusing to give it back. This is the second incident where my account from this very same bank was hacked and my money taken. The name of the banking company is Wisely by ADP.
11/02/2023	Yes	Prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	AL 358XX	Web	Servicemember
I started working at XXXX XXXX on XX/XX/XXXX. I received the Wisely by ADP card for my tips and paychecks. When I began working I gave my employer my social security card and ID. When they went to activate my card they sent in the wrong social security number. My employer and I have contacted them six times now ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX being the 4th time ) to get this matter resolved. They requested for me to send my ID and Social Security Card over which I have done 4 times now. Yesterday was the third time I have sent the documents as requested over and was told to call back in 24 hours and it should be fixed. This has been going on for almost 3 weeks now. I have sent the info they wanted and still can not get my card fixed so that I can get my paycheck which is how I eat. Please help me get this fixed. I have no money to my name and I have been paid through this card many times and can not get to the money yet. I NEED THIS
07/12/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TX 75019	Web
I accepted a seasonal assignment with XXXX. A wisely pay card was supposed to be sent to me. But I never received the card. They just kept extended the time period and telling me to wait for it. They never told me the card was being used. They refused to block the card. I kept calling and asking for the card but no one would tell me it was being used and they wouldnt block the card. I found out on XX/XX/2023, that Apparently starting on XX/XX/2023, the card was used for multiple transactions for almost {$2000.00}. Rude representatives XXXX and XXXX refused to block card or dispute transactions and instead blamed me for not receiving card. They refused to tell me the fraudulent transactions, block card, or send a replacement card. They refused to tell me the phone number linked to the card or when the card was activated. I have never received the card, almost {$2000.00} has been stolen from me and wisely XXXX wont even block the card or let me dispute.
12/16/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92324	Web
On XX/XX/XXXX, I was making a purchase at XXXX XXXX XXXX {$15.00} and as I put my payroll debit card ending in XXXX in the device and the register froze. The cashier advised me that the purchase did not go through and to reenter my debit card so I chose to use another card ending in XXXX. Five day later, I noticed a purchase was approved on my debit card ending XXXX, which is my wisely payroll debit card that I used in the beginning. I called wisely to dispute the charges which I did not agree to, and was told that I will receive a form in the mail to dispute, however, a letter was sent to me but no form attached. Wisely payroll has been giving me a lot of problems as far as forms being sent l, disputing the charges, and a hassle not contacting the merchant. On XX/XX/XXXX spoke to manager at XXXX 's and had corporate forward a copy of the charges that were made on XXXX and have no record of any charges on my debit card ending in XXXX.
06/15/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	WI 53206	Web
What happened was I wasnt able to get into my account because of the two step verification. So I called to have them change the information BECAUSE it was last connect with my old phone number and invalid email address! So I wasnt able to log in and check my balances or transactions. Its been 2 weeks and still NOTHING has been done to my account! I keep calling, still arent doing anything! Waited another week and I called again when I got paid, like hello its been weeks now so then I submitted documentation of my license they said theyre team is going to review it and thatll take 48hours! Ok its been 2 days now I call back againnnnn and now theyre telling my theyre investigating and that THEY CAN NOT TELL ME ANYTHING ABOUT MY ACCOUNT OR ANY TIME FRAME ON HOW LONG ITS GOING TO TAKE BUT have my money and my next check going into that account next WEEK! I want my money and to close this account since this is how you guys do business!
05/21/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	NJ 07087	Web
The problem is with XXXX XXXX XXXX XXXX. I live in XXXX XXXX, NJ. My employeer is also located at XXXX XXXX, NJ XXXX. The transactions attached and below are made so far from my hometown and these are not possible that I did and that confirm that XXXX XXXX XXXX XXXX has SCAMMERS to take money out from people cards. XX/XX/XXXX I didn't get my {$400.00} at XXXX XXXX XXXX ATM. The transaction was declined. XX/XX/XXXX I see the transaction was done by Someonelse stoling my money {$400.00} from the ATM located in XXXX so far from my home ) even is another state where I live and that day I was working, even I never go to XXXX. ( Attached are the transaction ) XX/XX/XXXX - XX/XX/XXXX Scammers are trying to taking more money at XXXX 's ATM ( XXXX XXXX and XXXX XXXX ATM 's ). So far from my house.. I have called thousands of times but nobody 's replied me back. And my dispute was declined without any written notification.
08/04/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	NJ 088XX	Web
I contacted Wisely about XXXX fraudulent charges made to my card totaling XXXX. These charges were made on XX/XX/XXXX and XX/XX/XXXX and made to XXXX by a person in California and I contacted Wisely on XX/XX/XXXX. I do not have an XXXX account nor their products, nor will I ever, anything XXXX is ridiculously expensive. A breakdown of the charges are attached. When I first contacted Wisely, I was notified that the process and investigation would take 2 week. I would be sent a document to sign and send back, which I did. 3 weeks after my initial contact, I contacted them again since I have heard nothing from Wisely at all. At that time, I was informed that it would take not 2 weeks, but a total of 3 months for the investigation and to get my money back! Every person I have ever spoken to about fraudulent charges got their money back usually within 24 hours, extreme cases were 48 hours. My case is an absurd 3 months!
03/12/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MD 210XX	Web
XX/XX/XXXX my Wisely card was stolen. XX/XX/XXXX called and had card canceled. Never received Statement of Fraud which I was suppose to sign. Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to have Statement of Fraud sent. Wisely claims they sent it each time, never received. On XX/XX/XXXX I received a letter which stated investigation has been finalized, no Fraud occurred. I have sent three letters to dispute on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Also sent 2 emails on XX/XX/XXXX and XX/XX/XXXX and no response. I've been told there is no number to call that I must email and send letter through mail. Fraud transactions : XX/XX/XXXX {$10.00} {$40.00} {$110.00} {$230.00} {$200.00} {$160.00} {$380.00} {$200.00} {$200.00} {$200.00} {$130.00} XX/XX/XXXX {$70.00} {$200.00} {$24.00} On XX/XX/XXXX I was admitted to XXXX XXXX XXXX. My Wisely card had been stolen. All charges were made when I was in XXXX.
12/14/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	IN 465XX	Web
On XX/XX/22 i noticed that XXXX someone was making unauthorized purchases with my card. I could only see that XXXX charges were pending for XXXX, {$290.00} and {$190.00}. I called my card and informed them on XX/XX/22 at XXXXXXXX XXXX They froze my acct. I made them aware that i am still getting notifications that my card is be declined at XXXX and some one is still trying to use it and that all XXXX charges are unauthorized. Then on XX/XX/22 while my card was still locked they released XXXX payments to XXXX for {$250.00} and {$180.00}. XXXX not sure why they did this on a locked account. i called them and they said they had to do this to go through the process of fixing my acct and " i was not to worry ''. Their card holder agreement state that if i report the charges within 2 days of knowing about it that the most money i would lose is {$50.00}. They are refusing to give me any of the this money back.
08/19/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	WI 535XX	Web
I informed Wisely aka ADP aka XXXX XXXX XXXX XXXX was draining account. The wisely card was used for XXXX. Wisely aka ADP aka XXXX XXXX XXXX said they sent a card XX/XX/2023 which was never sent or recieved ( Mail Fraud by financial business automatic XXXX to XXXX mil penalty ) I fought XXXX to unlock card, they will argue they opted resolutions but I couldnt at the time due to no cellular service as ADP ( wisely locked my account with XXXX ) I had {$7.00} left after I fought with ADP and waa told 3 hours and we are closing your account for rude behavior on ADP 's clause 13? which I had no clue existed or had access to contract/ those clauses ( fraud there too ) XXXX XXXX XXXX XXXX XXXX XXXX claim my {$7.00} XXXX leftover check was sent around XX/XX/2023 but claims returned ( USPS note from worker states otherwise, double mail fraud on ADP and now XXXX XXXX ) Federal Crimes are Federal Crimes .
11/07/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NJ 08054	Web
On XX/XX/2023 I went to a local XXXX in XXXX XXXX and attempted to take out XXXX from the ATM. The ATM did not dispersed the funds so I contacted XXXX XXXX to inform them of what happened as that was the institution that was printed on the ATM. Subsequently, I was advised to contact my bank which I contacted the Wisely company. They are the payroll company that handles my checking. They stated that XXXX had to do an investigation and advised me to contact them. In addition, they stated they would put in paperwork and send to XXXX XXXX. At the time they did not have any established dates for resolution. Since the XXXX, I have called Wisely and XXXX. They are literally pointing the finger at each other regarding resolution and investigation. Wisely stated that they have until XX/XX/XXXX. As I advised both institutions I needed my funding and if I had stolen XXXX then I would be in jail right now.
07/12/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 94585	Web
On XXXX XXXX a multiple unauthorized cash withdrawal at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX ca XXXX in different amount {$320.00}, {$400.00}, {$380.00}, {$200.00}, {$400.00} all in the same, same location. All this transaction is not mine the debit card was in my possession. As found out about this transaction on XX/XX/2023 I called and reported this transaction to wisely debit account to notify them that there is unauthorized withdrawals on my account. After 3 days they emailed me that there is no error or fraudulent on my account how could that be possibly no fraud occurred when I am not the one whos doing the withdrawals. Ive reported this incident to the police and give them a case number XXXX to prove to them that it was not me who did those withdrawals. I requested to show me their proof of investigation but until now I havent heard them. I am reaching to seek help Thank you
08/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web	Servicemember
ADP is attempting to collect a debt not owed by myself ( consumer ). They have agressively garnished my wages from my employer at the percentage of 25 % since XXXX. I have called to speak with someone and was transferred to someone out of the country that could not help me. I sent an email and letter statting that I do not owe the debt.ADP is in violation of The Fair Debt Collection Practices Act. I do not owe ADP and have never entered into any agreement with this company. I demand all wages be returned to me with damages. I am requesting all wages stolen in the amount of {$890.00} I am requesting damages of {$100.00} per garnishment total {$1000.00} as per the congressional fine for such violations I request a Cease and Desist of all debt collection actions I request and apology for the financial harm and XXXX distress these violations have caused for myself and my family.
10/27/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63109	Web
I have a fraudulent XXXX charge I didn't authorize on my wisely visa card ( by ADP, issued by XXXX XXXX XXXX ). Now the rest of the funds in my account are locked until I get the new card, in addition to having the money stolen from me that I trusted to keep in this financial institution. I spoke to wisely and requested an immediate credit to my account in the amount of the fraud charge and was refused. I was told instead I have to wait 45 to 90 days to get my money back. I spoke to XXXX and they couldn't help. I called XXXX XXXX XXXX and adp as well. I will be calling XXXX as well during their business hours. I will call my employer as well. Any reputable financial institution does not treat their customers this way. I don't understand how this is legal. I did a bit of searching online and found that apparently this is happening to a lot of people that use wisely by adp.
12/29/2021	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Confusing or missing disclosures	KY 402XX	Web
My previous employer used ADP payroll processing, which also administered our 401k accounts. A few months after leaving the employer, ADP rolled over my funds to an IRA XXXX XXXX, a third party, without any disclosure or my consent. Furthermore, they charged a {$50.00} fee which was almost 10 % of the account balance. Nowhere in their provided disclosures did they communicate that this would happen. I had to spend more than an hour on the phone just to find out where my money went. When I spoke to the representative, the company admitted fault. The representative told me that they were supposed to have contacted me, but don't know where the process broke down on their end. Since they admitted fault, I asked for a refund of the fee, but they refused to provide it. Furthermore, XXXX XXXX is charging a fee of {$25.00} for transferring the funds to my preferred broker.
10/02/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Overcharged for a purchase or transfer you did make with the card	MO 65804	Web
I am a XXXX XXXX and my pay for work is paid daily on a XXXX card. Not only do they frequently create duplicate charges while a transaction is pending, they also deny transactions and then blame the merchant for holding the money. Most recently this happened to me at XXXX XXXX when I went to a self checkout lane and attempted to get {$40.00} cash back. It was declined. Later Monday night I called the automated line only to learn I had a charge on my account that shows it went through. Customer service informed me I would have to complete some dispute forms. They said it will take 45 to 90 days to resolve. That's great, a half days pay, I might get back after XXXX. I also contacted XXXX XXXX and they could offer no help. I've never had such a XXXX card as the wisely card. And they paid handsomely in the fees they charge to have such XXXX xs
02/10/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Report provided to employer without your written authorization	FL 32505	Web
When my background check is submitted and ran they are using charges that are seven years old. According to the seven year rule these charges should t appear its been almost ten years and these changes are still popping up on criminal background check .According to the FCRAs 7-year rule, for example, certain criminal records must be removed from an applicants history after seven years. These records include civil lawsuits, judgments against an applicant, arrest records, and paid tax liens. The FCRA also imposes a few additional restrictions on Florida employers. Additionally, the FCRA requires employers who run background checks to ensure the information in the report is current and accurate. If it is not, an applicant has the right to dispute the background checks contents, which will trigger an investigation by the reporting agency.
08/05/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	NJ 08611	Web
XX/XX/2022 I contacted the customer service number XXXX XXXX from my Wisely card mobile app after a transaction failed to post. After speaking to a representative I was told that the employers account was no longer active, and was told that I would need to upload 2 forms of ID to unlock my account. After the third time uploading the documents with the provided link sent to my phone the representatives continually tell me that they have not been received the documents. I've asked them is there other way to verify the information required no response other than to retry it again. I've attempted this afternoon to call using the ADP support help center line XXXX XXXX which is ONLY for business clients not employees. So after searching their site and finding a hissycat complaint form I've finished filing my complaint on the ADP website.
06/11/2021	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	DC 20020	Web
I have been requesting my prepaid payroll card from XXXX XXXX They charged me 3 times to get my card shipped out and they sent it to my employer instead of me. I asked my employer did they receive my card and they told me they haven't. I requested that my card be sent to my home address at XXXX XXXX XXXX XXXX XXXX XXXX Washington D.CXXXX They sent my card to XXXX XXXX md according to the XXXX website. When I requested my card again they continue to hang up on me and they never sent my card. I have a balance of {$750.00}. I previously had {$850.00} before they started charging me shipping fees and did not send my card. I am requesting that they issue me out a check and send it to my home address and cancel and close the account. If they can't do that I am requesting that they issue me another card and send it to my home address.
05/31/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 91351	Web
XXXX refuses to refund entire amount stolen from me from use of counterfeit card. On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.
05/13/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	FL 33312	Web
I received a call from scammers pretending to be XXXX, they pretended to connect me to my online XX/XX/XXXXwho pretended to verify my info and connect me with the federal trade commission. believing I was talking with the people who were protecting me I transfered {$2700.00} to an acct they provided. supposedly for safe keeping til security measures could be put in place. XXXX XXXX from the federal trade commission phone # XXXX XXXX XXXX gave me XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXacct # XXXX routing # XXXX XXXX transfer the {$2700.00} from my acct.When I called the # XXXX to see when I may get funds transfered back to my acct, I got the message phone number no longer in use. I cried. I called my bank, filed a claim and they sent me a letter saying there was no error and no credit will be issued. I cried again.
03/30/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 32818	Web
Today XXXX 2023 I tried to withdraw XXXX XXXX from the atm from a card given to me by my employer an the atm told me my creditor denied my transaction so atm didnt give me any money but as soon as I check my account info with the bank It has stated it had been withdrawn. I proceed to call both companies the atm an this card witch isnt even a bank. ( wisely ). First the atm group said contact your bank XXXX ask for a regulation XXXX email to send to us. I then call wisely my card, for them to tell me it takes 45days minimum to resolve this an they in willing to work with the atm ppl to resolve this issue asap. I had talked to 3 employees at wisely 2 people to get told theres nothing they can do. So I call again an the agency then tells me they can try to email me then hangs up on me I feel as if there trying to scam me
10/03/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	OR XXXXX	Web
I reviewed a statement, and as I was looking through the statement I noticed all these fees. Not overdraft fees but like if the amount was declined a fee was assessed not the same amount every time either its like the more money I had in my account to be taken the higher the fee was. I believe they charged me over XXXX dollars in fees in less than 1 year. This is ridiculous I feel like I have been robbed. I am a single mother and can not afford this. I have a print out of these fees in case they try denying it or tamper with my statements in any way. I asked if any of the fees could be reimbursed and they told me no there was noting they could do about it. I think they should be shut down. No wonder there are so many homeless people it is most likely due to these kind of Companies steeling peoples hard earned money.
01/05/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with fraud alerts or security freezes	IL 60619	Web
In pursuant to 15 USC 6802 ( b ) I called and explained to the consumer service rep that my consumer report and personal information is federally protected. I advised them of my rights per FCRA 604 ( 2 ) and also my federally protected right to " opt out '' as explained in 15 USC 6802. They told me that they can not allow e to " opt out '' thus is a violation of federal law. This section also states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure is to be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA ( A ) ( i ) you have furnished a consumer report without my written consent and have fail to to produce evidence of said disclosure as described within the FCRA.
10/15/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	MS 39194	Web
On XX/XX/2023 my bank account was hacked for a pending transaction of {$1900.00} to an XXXX XXXX account and I notified my card provider IMMEDIATELY, no less then XXXX hour after the transaction was made, and I was told by Wisely to contact the merchant because there was nothing Wisely could do! I contacted XXXX but because I dont have any accounts with them because this is FRAUD, they have no way of finding the transaction! Prior to this large transaction, there were FOUR {$0.00} transactions for XXXX in which wisely responded oh that just means your card was declined at an XXXX UMM WHAT? Wisely is now telling me itll take XXXX days for them to complete an investigation and until then Im out of almost {$2000.00} and have no way of feeding my children or putting gas in my vehicle to get to work.
06/23/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	CA 90064	Web
Wisely card that i had was stolen and im trying to get wisely to send me a replacement card to my address were i live in XXXX XXXX my address on my license have a out of town address so they can send me a card because the keep telling my they have not received my new information when on XX/XX/XXXX and XX/XX/XXXX the sent me a link to upload my license and my new address but when i call they say that dont have it my employer up dated my information also i keep asking for a temp card for my pay check is still on the card my bills are due i have to pay my car note i need help when i call today the man agent just stop talking to me and hold the phone i had to call back i got XXXX and she cant help i ask for a supervisor and the line dead what can i do to get my money from Wisley card service at XXXX
02/09/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	CO 80221	Web
I got a job in XXXX of 2022 and my payments got deposited on a XXXX prepaid card. I got XXXX on XX/XX/XXXX someone went to my residence and took my wallet with my card. After I was XXXX payment was deposited on my card on XX/XX/XXXX. The person that stole my wallet used my card on XX/XX/XXXX after the money was deposited on the card while I was in XXXXXXXX. This person used the card 58 different times totaling XXXX. I explained all this to XXXX that I didn't report the theft due to being XXXX. They said they did an investigation and no fraud had occurred. There are online purchases with the card and even a purchase of a hotel room. I feel they didn't do a thorough investigation if they did they would of found out I was in XXXX and could not have bought a hotel room or buy things online.
06/12/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Non-sufficient funds and associated fees	CA 92105	Web
On XX/XX/XXXX ADP Compliance Solutions C/O Wisely stayed they have completed our investigation of my dispute Received on XX/XX/XXXX for the funds taking out my account for {$130.00} on XX/XX/XXXX and the other transaction of {$130.00} was added back on my wisely card the same day and for the second transaction they were stating there was no fraud or error and responded to quick and didn't do a proper investigation on my own my funds being taking out my account, I also filed with the federal trading commission and have a report number and haven't heard anything from them since about my case. The video of paperwork was a letter from the money that was put back on my wisely card that I no longer use, no paperwork on the other transaction but it's on my wisely card login statements.
04/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	AL 365XX	Web
Received a VISA card via USPS from Wisely, which I never applied for, and the mailing stated it was a REPLACEMENT CARD. ( I have never had this card. ) When I called to inquire why I was receiving, I was asked for my name and DOB. As my name was listed on the mailing, I gave it to them ( I spoke with 2 different people on 2 attempts to call ), but I advised that I was not providing my DOB as I had not determined them to be legitimate and only wanted to know why I was receiving the card. I offered the card number, but was advised that they could give me absolutely NO information unless I provided my DOB. I insisted that I was not interested in anything other than to know why I had received the card, but they still refused to tell me anything unless I provided them my DOB.
08/01/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 949XX	Web
ADP is a payroll service company. They mistakenly overpaid my company 's State of California tax account ( with no discussion and no approval from me ), then demanded immediate reimbursement. I told them would in good faith reimburse them if and when I receive a refund from XXXX which hasn't happened yet. After XXXX months of no contact from them ( I assumed they were waiting like I was for the state of CA to send the refund ), I received a call from XXXX XXXX XXXX attempting to collect approximately {$7300.00} and threatened to damage my company 's perfect credit history. It's important to emphasize that I had no participation in ADP 's decision to make a payment to my tax account and only learned of it when I received a phone call from their collections department.
08/26/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	MD 20706	Web
Wisely by Adp Prepaid a Services who was formerly Global Cash Card, blocked my deposited 2021 Tax Refund, and I'm not able to access my funds. They communicated to me I must tell them a Security Phrase, that I never set up with them for the account, or upload my Social Security Card and Identification Card Documents to them through a link they texted to me, in order to access my funds from my account. I communicated to them, that I'm not comfortable sharing that type of information, due to it's sensitive, and they stated they can't release my funds until I do so. Please assist me in coming to a immediate resolution. A copy of the link they texted me, so that I can upload my Social Security Card and Identification is attached below. Thank you, XXXX XXXX
12/14/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	SC 29405	Web
I received an email that a peer transfer was completed in the amount of {$770.00}. I immediately called the bank and told them that it wasnt me that completed the transaction. They told me they dont have the ability to offer me a credit for what happened for XXXX days once the investigation is over. They also couldnt complete the dispute process because they said it didnt show up in their tool so I would have to be called to complete the dispute. They locked my account, and I have no access to my funds and only communicate through mail. I spoke to multiple people and hung up on and was finally able to get transferred to a supervisor who also says i cant get any money until the investigation is over which can take XXXX days which is against my rights.
07/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 43081	Web
So on the early morning of Friday, XX/XX/XXXX my car was broken into and my wallet, book bag, cash and some other items were stolen. Once I woke up I noticed there was 4 charges on my card at the gas station down the road, so I instantly locked my card and filed a police report. I called my back to report my card stolen and unauthorized charges. It has been a week and they still have not credited my account back. They are telling me I have to wait 45-90 days and I feel like that is absurd. The money was fraudulently stolen and I need the money back. I have the police report number and everything. They say they are doing an investigation but I have the police report number so idk what investigation they are doing. My card wasnt lost, it was stolen!
11/03/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	WA 98902	Web
XX/XX/23 through XX/XX/23 someone ( or multiple people ) have been using my bank card. It is a Wisely card that has been given to me through my agency I am employed with. Most transactions were through XXXX. The bank is XXXX XXXX bank. Different names were showing under these transactions : XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. {$1200.00} is the exact amount that was taken in increments of {$1.00}, {$2.00}, {$5.00}, {$10.00}, {$20.00} multiple times. They made small transactions that led to larger ones as shown in my transaction history. I am currently awaiting the paperwork that shows every transaction from the customer service department at Wisely. I have a case number open : XXXX. Any additional information needed, please contact asap.
08/11/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OR 97203	Web
I was issued a Wisely card through ADP by my employer to receive my wages. I was unaware that I was not able to deposit funds onto the card at a local ATM location. When I attempted to deposit a sum of {$570.00} in cash to the card, the ATM dispensed a receipt which said " Transaction is not permitted '' but did not return the cash. When I reached out to the bank, the branch manager informed me that XXXX must file a dispute and that when the ATM was audited and shown to be {$570.00} over the amount it should, the funds would be returned to me. When I reached out to ADP I was told several times that there is no record of me ever having swiped the car or entered my pin, and that they are unwilling to reach out to the bank branch.
10/24/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	NJ 08021	Web
My card was locked. When I called they stated due to suspicious activity. They did not email, call or text me to make me aware they went and locked my account instantly. There was no suspicious activity. I asked for the protocol in this situation which they could not tell me because they didnt know what to do. My account has been locked since XXXX and they asked for proof of my social security number and license which was provided with a reference number they needed. Still they did nothing. They then asked for my four digit pin which I have never heard of a bank ask for a four digit pin since thats supposed to be personal. I spoke to a supervisor who couldnt give any type of information. Everyone I spoke too has been clueless.
10/21/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OK 73099	Web
I was given a Wisely by ADP paycard by my previous employer. The card has an app that allows you to track your deposits, balances, etc. In this app, if you click on the Direct deposit link, you are given information to give to an employer for direct deposit of pay. I changed jobs and gave them the direct deposit information on this page. Today I got my first paycheck from my new job. It is showing up in the app, but not as an available balance on my card. I tried to call the Wisely card number and they see no deposit. I then tried to call ADP and was told there's no one who talks to end users there. My money is there, the deposit shows it was sent to the account info attached to my card, but they refuse to give me access to it.
06/21/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	AL 361XX	Web
My wisely will not let me have an account with temp companies due to an hour issue with a cash load of XXXX they said I trued but I dint think I tried to look ad that much that's above the legal limit of I did try to load that much cash the cash like loading location should have denied it. Who XXXX it didn't. If I trued to look ad that much. That is since the card loading limit. I still had a card because I was still technically employed with people ready in another location and labor finders I just had to update my driver 's license which had expired. When I renewed it it shut down my card. The XXXX facial.recognition software recognized the difference between my old license pic and my new one. I guess my wisely didn't.
02/23/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 75050	Web
Ive been having trouble accessing my funds majority of the day and it says that I have no money in my account that I have insufficient funds to be exact when I tried to make the transaction online and then when I try to access it on the mobile app, it said that my password was wrong. It said that my username was wrong and Ive been calling the ADP wisely number and they have a busy line. This isnt the first time Ive had issues with them. Ive had people stealing my information and making transactions Ive even had a police report of the first incidents. Which has already been resolved. Its Happening again, because I do not have access to my funds or to my account on the mobile app or online on my laptop.
08/05/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92020	Web
On the night of XX/XX/2022 I noticed that there were XXXX transactions that were not made by me and I immediately contacted the number that is found on the back of my prepaid debt card. When getting connected to a representative I inform them of the XXXX transaction that occurred and I was then told that they are going to open a dispute claim for me on the XXXX transaction and that I will hear from them when the investigation is over. Today being XX/XX/2022 I recieved a email that the investigation is complete and that they have came to the conclusion that there was no error found and that I will not be credited the money that was used in the XXXX transaction that I reported were not me.
05/03/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90631	Web
On XXXX XXXX I received a text alert regarding purchases made on my ADP/Wisley bank card I did not make. I immediately called my bank and informed them of the fraudulent charges. There was XXXX in total. XXXX of the XXXX charges were resolved. However, the other XXXX were not. The bank ( ADP/wisely ) concluded they were not fraudulent. All XXXX charges were made the same day within an hour or so of each other. The fraudulent charges were made with a company name of XXXX XXXX XXXX XXXX the description on my bank account is XXXX XXXX XXXXXXXX XXXX for the amounts of {$100.00} and another charge same description for the amount of {$76.00}. My case number with my Wisley bank is. XXXX
06/06/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 76708	Web
There are a lot of the transactions but mostly transactions or hold that I didn't get put back into the account I have a lot of XXXX XXXX and XXXX transactions that I did not use and I have other unauthorized charges that happen on my card and wisely pay when I helped me because they said the transactions are older than a year but I've been through a lot in a year with losing family family catching XXXX lost my own family my job my car my place I've been in the XXXX that I finally upheld and I know it has been a little bit of time but I don't think that is right especially with me not even being able to file disputes with me not even being in the right State of mind at the time
08/01/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	FL 32803	Web	Servicemember
I experienced some technical issues with my direct deposit. My employer, XXXX XXXX XXXX, rather than redeposit my paycheck into my checking account they mailed me a Wisely App card. I reviewed the card terms and conditions of the card and found them completely unexpectable. I later discovered that the employer disclosed all my personal information - - full name, date of birth, social security number, address, phone number and so on -- to Wisely App card. I contacted Wisely XXXX Card to transfer my pay to my bank account and delete all my personal information. They refused to take any action. They told me that I had to activate the card and pay the fees to get my money!
02/09/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IN 46254	Web	Servicemember
On XX/XX/2022, {$3300.00} was stolen from me off of my Wisely by XXXX card. I did not authorize the transaction due to me having XXXX and in the hospital. I have submitted proof to XXXX of me being in the hospital to prove that I did not authorize the transaction. They told me to email the documents and mail them I did but when I called a week later a guy told me they never received anything and that I wasnt suppose to email them only mail it, in which I did. They told me they dont give out previsionary credits and they cant tell me whether Ill get my money back or not until I get a letter in the mail. I still havent received anything and I am behind on my bills.
12/01/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	SC 29301	Web
Wisely pay by adp refused to help me resolve the issue on my account regarding transfers that was unauthorized to be made out of my account while I was in a comma. I immediately contacted them and instead of helping me by giving my money back they ended up closing my account and none of my funds of XXXX dollars was retrieved. I contacted wisely in XXXX of XXXX about the transfers out of my account. The transfers was made XX/XX/XXXX- XX/XX/XXXX while I was in a comma from a bad wreck and I was battling XXXX! I thought my money was fdic insured but I have received no protection. My name is XXXX XXXX I was born XX/XX/XXXX Last XXXX of ssn XXXX
02/01/2023	Yes	Credit card or prepaid card Payroll card	Advertising Confusing or misleading advertising about the card	TX 77539	Web	Servicemember
I recently filed a dispute XX/XX/ I had XXXX taken out my account I was told I could be provided with a provisional credit in which it says on their site that it will be provided if they investigation takes more than 45 days. Well here I am about to be homeless and my lights are already off. Because they said they denied the provisional credit and their investigation takes till XX/XX/XXXX! Wisely has officially lost my business and any ongoing problems from this day forward they do not care about their customers I have emailed and called and called and called to no avail everyday asking for an update. And nothing! Thank you WISELY
06/19/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	LA 708XX	Web
On XXXX a card presented as my WISELY card was fraudulently used to withdraw all funds ( {$260.00} ) from my account at an ATM in XXXX XXXX CA .while my card is still in my possession and while I was working a XXXX hour shift at XXXX in XXXX CA XXXX I filed a complaint with WISELY card services but the outcome was that there was no fraud and my money was not refunded. My company continues to use wisely for deposits for my meals on a daily basis but now Im scared to use the card so its been locked. I would like to warn everyone wisely its NOT SAFE and they will not do an appropriate investigation. Wisely case number : XXXX.
02/09/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 949XX	Web
On XX/XX/2022 My Wisely Direct by ADP Account information was obtained/stolen by a card skimmer from a ATM. Wisely advised me to use this ATM on their provided cell phone app. A total of {$1900.00} was then removed from my account in 7 different transactions at different ATM locations. The physical card was and is in my possession the whole time. Wisely by ADP has a " Zero Liability Policy '' in which my funds should be protected from fraud. I have filled a police report and a claim with Wisely but they have refused to credit my account for my loss. Wisely case # XXXX Police report case # XXXX XXXX Police department
07/07/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	FL 320XX	Web	Older American
This is a card loaded by a company we do business with based on sales I make with them, 'Wisely ' card issued by XXXX XXXX XXXX XXXX. 28 charges were made on this debit card that were not mine, total {$120.00}. Submitted dispute, company immediately replied 'No error. This letter serves as final resolution ' Mailed request for them to supply supporting documentation they reviewed, no response. Called, on hold for 20 minutes, hung up on. These were all XXXX charges. I contacted XXXX and they confirmed these were fraudulent charges since made by someone else, purchase of video games from email that was not mine.
11/26/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CO 809XX	Web	Servicemember
On XXXX XXXX I noticed unauthorized transactions via multiple atm machines. I called my bank, Wisely, disputing the charges. They first accused me of lying then offered to start an investigation. They claimed they could not reimburse my funds and Ill have to wait 90 days for the investigation before I could see any money. They are FDIC insured, according to my local PD, I should have been given my money back. Every time I call for a status update, I get told to be patient and theyre no updates to disclose. It took my local PD less than 2 days to start and finish their investigation, concluding its fraud.
07/26/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	MD 21223	Web
I received a Wisely card from my job in the process of setting up my direct deposit I order another card that was the new Wisely card. I misplaced the two cards and I called Wisely and they locked my one card because the other one that was mailed to me wasn't activated. So Wisely said they would mail me another card, but my check was a direct deposit to another card that I don't have or even know where this card is, so Wisely said they mailed a new card but nobody knows where my money got direct deposited. This has been going on for 10 days. I need my money to pay my bills. Please help me, thank you.
04/30/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IN 46123	Web
On XX/XX/23 an unauthorized charge of XXXX was made by a company listed as XXXX XXXX they say it was an ach payment. I don't know who this is and no one has access to my account. I contacted the dispute office of the card and they told me it would take anywhere from XXXX to XXXX weeks to investigate. I received a letter from them stating that they would not be issuing a credit back to my account. If I wanted to discuss this further they said that I could write them at a XXXX XXXX XXXX I have unsuccessfully tried to find XXXX XXXX contact information to hear what they say was purchased.
08/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Sent card you never applied for	MA 020XX	Web
I received a debit card today XX/XX/2022 under my name that I never applied for from a company called Wisely. I attempted 3 phone calls to XXXX to see whats going on. Calls are going to XXXX and the customer service is asking for my social security which I am not providing them with. I gave them the debit card number and they are unable to provide me with any information. I went to their website mywisely.com and tried to recover the account. I cant recover the account because the email is set up to some outlook address that Ive never heard of. I need help to find out what is going on.
09/09/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	NY XXXXX	Web
Received text to my cell phone number ( XXXX ) from Wisely Pay Alerts stating- {$75.00} has been loaded onto your Wisely card ending in XXXX. Your available card balance is {$74.00}. When I call customer service, XXXX I was aksed for my social security number, birthdate, name. I stated I do not have an account with you and you contacted me showing the last 4 digits of the account so you should be able to get to the account using that data. They stated need full acount number or social security number with name and date of birth. I told them I will be reporting to government fraud.
04/22/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MI 48317	Web
My card was stolen and fraudulent charges were made on several of my cards including with MyWisely by ADP. They locked my current card and sent me a new one. I disputed the charges and a claim was opened. I was told it was going to take 7-10 business days to do an investigation, and not even 20 hours went by before they emailed me and said my claim was denied due to lack of evidence. I was never asked for any additional evidence or even asked for any furthering details. {$30.00} may not seem like a lot, but money is tight and I cant just afford to burn {$30.00} like that.
01/12/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	NV 89032	Web
I started with my company on XX/XX/2022 and prior to starting I provided valid and correct direct deposit information. After the first pay period closed I was informed that my Direct Deposit information had changed I was later told by a member of the payroll team at my company that somehow XXXX couldn't verify my direct deposit which is a XXXX XXXX XXXXThey then opened a " WISELY '' payroll card account in my name and deposited my check to that account. They are now actively refusing to work with my employer to close out the unauthorized account or return the funds.
10/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	TX 75098	Web
This is issue with ADP. Since the beginning of 2022 my company has been unable to print out checks without encountering error message which will take over an hour before printing. I made several complaints with ADP and eventually I was told that this is due to having too my employees, just XXXX employees. I told ADP supervisor that my company had 400+employees before and did not have this problem. The supervisor suggested I should switch to another option which will cost around {$1000.00} per month. Presently, my business is paying just {$32.00} per month.
04/22/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	UT 84601	Web
I use the Wisely ADP prepaid card for almost 2 years and I received one stimulus here and my taxes and payroll direct deposit and on the XXXX of XXXX I was going to receive my taxes in the amount of {$27000.00} that day and they made me put in my W2 my ID my SSN AND MY IRS LETTER BECAUSE OF MY LARGE AMOUNT GOVERMENT DIRECT DEPOSIT AND THEY STILL HAD THE NERVE TO NOT ACCEPT IT EVEN THOUGH THEY ACCEPTED ALL MY DOVUMENTS AND NOW I HAVE TO WAIT 2 weeks for paper check so not fair and I loved this prepaid card so much never had troubles and now I am!
10/23/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	IL 60452	Web
XX/XX/22 the amount was {$770.00}. I went to get a money order at a currency exchange. And the computer froze mid transaction. Somehow the money is out of my account but they couldnt find or see the transaction on their end. They suggested I call my bank/prepaid card to credit it my money but they wont. They have me jumping thru hoops saying I need to send a email providing more information. Then they said not an email you must send a letter. They keep making up new stuff. As you can see From the pictures I sent. They havent credit me the money
10/09/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	IN 468XX	Web
I was told that I needed to send I two forms of I D. To verify my account so I can change my email address to change my password to gain access to funds. I first call XX/XX/2023 and since then I've spoken to several operators with no progress at all in the matter. Wisely make it clear that they are not customer friendly. They purposely removed their cards from merchants being able to resolve issues with their employees in a timely manner forcing them through a long process with hopes of them giving up their funds for closure and peace.
07/13/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NY 11206	Web
this company is now showing me the process of there investigation there not answering my email requesting provisional credit I know someone withdrew my money from my account. this company only showing me where it was taken from and not proof of the investigation nor will they answer my emails. They only want me to reply to there letters and request but when I try to communicate with them they ignore all my request. Every time I ask them a question they ignore my request. ive called this morning they ignored my questions again
04/21/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IN 47130	Web
Wisely Card : I got an alert at XXXX stating that my balance was {$5000.00} short of what it should be. When I looked there was a charge from some concrete place from Florida ( I live in Indiana ) that was fraudulent. I called immediately to report. This is on a wisely card that my pay goes on automatic every week. I cant get the company to do anything, I am out XXXX and they are basically acting like they wont fix it. Its clearly fraud, if you look up company online its a fake website and number. I dont know what else to do
05/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Money was taken from your account on the wrong day or for the wrong amount	GA 30038	Web
On XX/XX/2023 I went to XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX GA XXXX to withdraw {$60.00}. The ATM experienced an error and cancelled my transaction but the money was withdrawn from my account. I contacted XXXX XXXX XXXX XXXX XXXX the next day and was informed their atm count was over {$60.00}. The lady explained to me they could not let me come pick up the money I would have to dispute it. Once my bank contacted them they would agree and return my money back. I still have not received my money.
06/23/2022	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	NV 89030	Web
Hello I have received a master card ( wisely pay ) from my employer and everything was working until I couldnt use my card on Sunday it was locked I called customer service they told me my birthday info was incorrect I was confused they told me to send them a picture of my ssn and date of birth Through a link after that I waited two days and still my card is locked I called again they told me the same thing so I sent them the photos again and still nothing I have called them and they are still saying 1-2 business days
06/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MO 65202	Web
I worked for XXXX and got a new job working for XXXX. Wisely told me to upgrade my card when I switched. My first payroll deposit from XXXX was supposed to deposit and its been a week, zero funds have been deposited, they owe my my payroll deposit thats completely missing for around {$230.00}. They stole money from a minor. I need my payroll deposit returned to me thats now in limbo? You cant ever get ahold of a live person, ever. Theres no one to talk to and no customer service line whatsoever to talk to or help!!
03/17/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	TN 373XX	Web
Recently noticed Emails from Wisley about my debit card being declined. I never opened or have heard of wisley AKA My.wisley.com. I called them to close it out and that i believed someone opened the account without my permission and is now trying to buy things.. none of this makes sense because why open a bank account with someones information ( i asked if my social was in fact a open account, yes ). And than try to spend it.. im concerned someone might hack into my other Bank accounts or already have.
07/19/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	AL 352XX	Web
Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22
07/03/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 95828	Web
XX/XX/XXXX all the way till XXXX I had discovered my card end up having unauthorized transaction and the company sent me a email saying my card was locked and that there were fraudulent activity my card was stolen. I got a hold of them as soon as I found out my card was gone. They still havent sent me anything showing they are working on my disputes its been almost a month and half that someone stole all of my money out of my account and it seems like the company doesnt care and or resolving the issue.
08/07/2022	Yes	Checking or savings account Checking account	Closing an account Company closed your account	IA 522XX	Web
I had a couple of transactions I didn't make I told her not to deactivate my card as this is my only income but she shut it off any way without my consent I did get my money back but there has to be a better way to do this now I have to wait two weeks and I can't go visit my dead dad tomorrow because I have no money besides what is on my card and no way to get it out I have XXXX kids and last card I got too almost 3 weeks I can't wait that long some thing needs to be done I'm pissed off
12/16/2023	Yes	Prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	LA 711XX	Web
I have been requesting a replacement card since XXXX. I have been told 7-10 business days several times with no card still XXXX have requested expedition twice. First time received a tracking # immediately and never received card. Second expedition was told 1 business day and was told to call back in 1 hour and then told call back Monday for tracking number. I have had no justice in this matter and it is very concerning. Please and thank you for your time concerning this matter.
11/17/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	LA 71112	Web	Servicemember
The payroll tax documents were issued and filed incorrectly putting my personal name instead of my business name also even though they signed my company up as a tax account they later changed and said it was no longer a tax account even though money was taken out for payroll taxes. The liability there is high and I still have no word on any resolution however without my taxes getting corrected I can not get a ppp or ERC. Nor do anything for my business since 2021.
12/07/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem with direct deposit	TN 37604	Web
XXXX is a company used by XXXX XXXX. I have had XXXX deposits not get there. It is in adp. Which is a connected distributor to XXXX. I did get a deposit on the first XXXX card One that is only good for 20 days. I got the other one activated it. I have not got a deposit since. I call hr and ADP each blame each other. On the XXXX XXXX card website. All my direct deposit info is correct. Still no deposit. Why is it a problem? Thanks. XXXX XXXX. XXXX
06/17/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	IL 62526	Web
I reported a list card on XX/XX/XXXX and was processed a replacement to arrive within 7 to 10 business days. I did not receive this card and then processed another for XXXX to be delivered within 2 to 3 business days after XX/XX/XXXX. I have chatted with the customer service reps multiple times and the continue to tell me to wait and that a tracking number has not been processed by the couriers yet. The charges appear as administrative debt.
02/10/2023	Yes	Checking or savings account Checking account	Managing an account Banking errors	NC 27406	Web	Older American
ADP, on XX/XX/XXXX released bank funds where there was a stop order, cancellation, and refund to be issued. The cancellation took place XX/XX/2023. The funds were released on XX/XX/2023. XXXX released an informative statement addressing the cancellation, complete refund, and accountability status on XXXX 2023. The funds released never should have taken place and they're taking their time about my {$230.00} something refund.
12/30/2021	Yes	Checking or savings account Checking account	Closing an account Can't close your account	WI 549XX	Web
I called Monday XX/XX/XXXX and the XXXX about closing my account and they tell me it's closed but yet my direct deposit into my regular bank account didn't go through. There was also another point of contact when my card was just turned off. I can not enter my old account info, it won't let me. They XXXX me again and now I didn't get paid today. I want my wisely account deleted completely and my old information restored
04/24/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Unable to get your credit report or credit score Problem getting your free annual credit report	UT 84106	Web
In regards to ADP Screening and XXXX XXXX. I've tried to email the email they have on file to get my free report. Ive also tried to called the number they keep referring me to ( XXXX ) twice. THe people on the phone dont know how to execute the request. Although XXXX is responsive over email, Im not getting anywhere. I just want to know if they have infomration on me or not and to then freeze me file.
11/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 60174	Web
I had a previous complaint open and wisely stated they didnt receive my signed declaration of fraud but I am attaching the email I sent to them on XX/XX/13 with the signed statement attached. This is not and should not be a reason to delay returning all funds to me that I didnt authorize. They absolutely received my statement and it was emailed to the email that the form said to use!
01/28/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	CO 80124	Web
I got issued paycard from my employer and and was not able to actually is able to access my phones to funds Because my social security number was entered and wrong I have submitted several documents including social social ID personal care to try to get over the past few weeks with with no help or resolution resolution from the situation Their company for a pay card was XXXX XXXX
03/31/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	UT 84116	Web
I have a couple pay cards they are wisley with same company i have been asking for i itemized statement of my cards activity s. Since XX/XX/XXXX i have called several times and have not received them. Its important that i receive them i have called more than 20 times. my cards are from people ready. XXXX and dep com XXXX. ( My transaction statements ) Need this info asap
09/14/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	NY 11221	Web
Adp says that i owe them money. I called to try to take care of the issue but they wont access my account without information i dontnhave access to. I repeatedly transferred to the customer service department. I asked ti speak to a manager and wqs transferred to the wrong department multiple times. I dont have time fkr this. This company needs to get their act together
08/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CO 80249	Web
On XX/XX/2023, I checked my debit card account because I was trying to make a car payment and realized {$80.00} was missing out of my account. I immediately called ADP Wisely card and reported this. Today I received a email stating that they are not going to give me my money back and that's not fair. ADP Wisely have robbed my account and I want my {$80.00} back.
05/07/2021	Yes	Checking or savings account Other banking product or service	Closing an account Can't close your account	OK 73533	Web
Through my employer I had an 401k plan from ADP. I was laid off XX/XX/2020 I needed to withdraw those funds because I was without work. 6 months later and I still can not access my funds. Every time I contact ADP they give me the runaround. I've contacted them twice this week, once last week. On XX/XX/XXXX and three or four times previously before that.
04/18/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	PA 19013	Web
To wisely Hello my name is XXXX XXXX I contacted you guys 4 times and nobody picked up the phone I was calling because Im missing over {$70.00} from you guys from a refund and the money was gone and the transaction I would like to talk to a manager to get my money back and its random transaction that I didnt go such as XXXX XXXX and XXXX XXXX
09/21/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	CA 92040	Web
I disputed a transaction in XXXX and it's still under investigation I call once sometimes twice a week and get no real clear response. Some people answer and be completely rude and hang up and others act as if they can't hear me. I'm tired of this company and will never use them again. It's now XX/XX/2023 I've been waiting for a month.
09/15/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92376	Web
Stolen money from my account in 3 day with a set up limit of XXXX total of XXXX after the investigation they said there no problem and 2 transactions made on different county 's at the same time no results of investigation and also happening to 3 my XXXX coworkers the payroll card company name is wisely by adp baked by XXXX XXXX XXXX
08/08/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened to arrest you or take you to jail if you do not pay	MO 631XX	Web
Someone opened an ADP payroll account, and ran a payroll in my name. With a company started in my name with all my personal information. This is extremely frustrating and unfair Ive been actively trying to resolve this matter to no avail. Please assist me in XXXX a complaint with the company to get this matter resolved immediately!
06/16/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	WV 250XX	Web
My entire bank account was wiped out a day after my payday, and when I tried to dispute it through wisely, which is through XXXXXXXX XXXX XXXX they denied my dispute because they said I recognized the transaction, however, never once did I authorize a payment, let alone a withdrawal by another company.
04/15/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 93036	Web
I submitted a claim with wisely or XXXX, about charges that are unauthorized on my card. They stated they did a review and its not fraud, I do not live or work in the area that the charges were made. My card was comprised but they will not refund the card. My case number with them is XXXX.
08/08/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	NY 11358	Web
I get charged for {$88.00} {$41.00} {$16.00} not from me under apple.com and I call my debit card wisely they said we going to send you something in the mail to sign but not saying nothing about the money plus my card is closed i sign. And Im not able to reach my money that I work for.
07/17/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	LA 70810	Web
wisely account put my money on hold for a transaction hold, but they never returned the money, I was sent a check for XXXX XXXX but my balance was XXXX . Also I was not informed or emailed about the decision and now they won't tell me what happened to my money or my employer.
03/07/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	CA 94565	Web	Servicemember
I received a debit card thru my work went to use it and discovered no money in checking the card there are fees for everything except breathing. The monthly fee went to XXXX without any notice. This could be seen as predatory banking
01/23/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	OR XXXXX	Web
I reported my card lost and stolen, But they didn't they did not deactivate my card some funds was stolen when the was card misplaced I found a dispute with the company Wisely and I still never replace my money
12/29/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33578	Web
Attempted to contact agency in reference to error made on the account. Charges amount to XXXX dollars. Havent received any resolution notice or credit back to the account.
04/06/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	CA 92335	Web
Wisely claimed to have returned my paycheck to XXXX on XXXX but XXXX has no record of such a transaction. I think they are keeping my pay.
06/22/2022	Yes	Checking or savings account Checking account	Managing an account Fee problem	IN 47715	Web
Fees for current month of XXXX is already at XXXX. Year - to Date fees is at XXXX i feel they are charging me outrageous fees.
11/06/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WV 255XX	Web
I filed for a provisional credit and they did not resolve within 10 business days and tell me they don't have to.
07/06/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 75208	Web
Direct deposit not available stolen by company. Accounting should be updated. Notice of FDIC insurance claim
10/15/2022	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	TN 37128	Web
XXXX XXXX XXXX XX/XX/2019 Case # XXXX *Inaccurate information regarding sentence length of incarceration.
08/12/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PA 19143	Web
Money was removed from my account without my authorization on XXXX XX/XX/202XXXX XXXX
08/08/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	IL 60608	Web
My XXXX XXXX XXXX child open this card an now I am having trouble closing this account
04/23/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NY 138XX	Web
XXXX it was to another account number to a bank and it was 2021 in XXXX I believe
04/03/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MA 02127	Web
Some stole XXXX $ from card some how I dont how and wisely denied me twice
07/07/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	GA 30071	Web
Unauthorized charges from XXXX totaling XXXX
01/27/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75211	Web

01/26/2024	Yes	Prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	AZ 85006	Web	Older American, Servicemember

01/22/2024	Yes	Prepaid card Payroll card	Unexpected or other fees	CA 92040	Web	Servicemember

01/20/2024	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	NM 871XX	Web

01/16/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 94533	Phone

01/12/2024	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 14040	Web

01/11/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 078XX	Web

01/10/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 92583	Web

01/10/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NV 89084	Web

01/09/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	DC 20020	Phone

01/07/2024	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 791XX	Web

01/04/2024	Yes	Prepaid card Payroll card	Unexpected or other fees	IA 51104	Web	Older American

12/31/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 809XX	Web

12/27/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	WI 531XX	Web	Servicemember

12/24/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	GA 310XX	Web

12/22/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	WA 98144	Web

12/22/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MN 55316	Web

12/19/2023	Yes	Credit reporting or other personal consumer reports Other personal consumer report	Identity theft protection or other monitoring services Problem with product or service terms changing	CA 92307	Web

12/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	DE 19720	Web

12/15/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 92503	Web

12/14/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 48183	Web	Servicemember

12/11/2023	Yes	Prepaid card Payroll card	Trouble using the card Trouble using the card to pay a bill	OH 45002	Phone

12/07/2023	Yes	Prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	TX 77493	Web	Servicemember

12/06/2023	Yes	Money transfer, virtual currency, or money service Check cashing service	Problem with customer service	CO 80022	Web

12/06/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	KS 67214	Phone	Servicemember

12/05/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80918	Web	Servicemember

12/01/2023	Yes	Checking or savings account Savings account	Managing an account Funds not handled or disbursed as instructed	PA 18347	Web

11/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28314	Web

11/28/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75044	Web

10/31/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	OK 73134	Web

10/28/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NV 89084	Web

10/27/2023	Yes	Prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	OH 45247	Postal mail	Older American

10/26/2023	Yes	Prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	FL 33511	Web	Servicemember

10/24/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TX 76103	Phone

10/23/2023	No	Credit reporting or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	TX 77077	Web

10/19/2023	Yes	Prepaid card General-purpose prepaid card	Advertising Confusing or misleading advertising about the card	CT 06516	Phone	Older American

10/17/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	FL 34474	Phone	Older American

10/11/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 49417	Web

10/10/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	MN 56301	Referral

10/09/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	TX 76504	Web

10/08/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 91765	Web

10/04/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KS 66203	Web

10/03/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 95207	Phone

10/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OH 43213	Web	Older American

09/27/2023	Yes	Prepaid card Payroll card	Trouble using the card Problem with direct deposit	LA 71107	Web

09/25/2023	Yes	Prepaid card Payroll card	Unexpected or other fees	VA 23224	Web

09/19/2023	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	MN 55407	Phone

09/18/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 77031	Phone

09/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NE 68505	Web

09/11/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	NC 27985	Web

09/08/2023	Yes	Credit card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	FL 33613	Phone

09/06/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	NJ 07470	Web	Older American

09/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94578	Phone

08/25/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	GA 30228	Web

08/23/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 90057	Phone

08/21/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CA 95403	Web	Servicemember

08/18/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	FL 32114	Phone

08/18/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 92407	Web

08/11/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	TN 37075	Phone

08/06/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	NV 89044	Web

08/05/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to pay a bill	FL 34691	Web

08/04/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	IL 60085	Web

08/02/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	IL 60428	Web

07/29/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MI 49508	Web

07/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 34761	Web

07/27/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90810	Web

07/25/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 79415	Phone

07/18/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MD 20792	Web

07/13/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MD 20792	Web

07/07/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	WI 53233	Phone

07/07/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	FL 32821	Phone

07/05/2023	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Seized or attempted to seize your property	NY 10002	Web	Older American

07/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MD 20792	Web

06/29/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 94803	Referral

06/28/2023	No	Debt collection I do not know	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	NY 10002	Web	Older American

06/26/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	AZ 85244	Phone

06/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 76112	Phone

06/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 43229	Phone	Older American

06/09/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 44904	Phone

06/07/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	FL 33032	Web

06/06/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	KS 673XX	Web

05/30/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	GA 30501	Phone

05/25/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33609	Phone

05/19/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	NC 28273	Web

05/02/2023	Yes	Checking or savings account Checking account	Managing an account Cashing a check	NV 89122	Phone	Servicemember

04/26/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TN 37814	Phone

04/25/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94555	Web

04/24/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	IL 60177	Web

04/19/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MI 48603	Postal mail

04/08/2023	Yes	Checking or savings account Other banking product or service	Closing an account Fees charged for closing account	CA 94070	Web

04/05/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NY 14048	Phone

04/04/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	TX 79424	Web

03/30/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	AL 35401	Web	Servicemember

03/29/2023	Yes	Debt collection Auto debt	Took or threatened to take negative or legal action Sued you without properly notifying you of lawsuit	MO 63114	Web

03/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MI 49841	Web	Servicemember

03/24/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	TX 77081	Phone

03/22/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Late or other fees	FL 33990	Phone

03/21/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Fees or interest Problem with fees	MO 64701	Phone

03/20/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 95376	Phone

03/19/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	MD 21202	Web

03/19/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	SC 29611	Web

03/17/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90047	Phone

03/15/2023	No	Payday loan, title loan, or personal loan Installment loan	Getting the loan	FL 34685	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	NJ 08009	Web

03/10/2023	No	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Their investigation did not fix an error on your report	FL 33073	Web

03/10/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	KS 67544	Postal mail

03/09/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	AZ 85338	Web

03/08/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IN 46613	Web

03/03/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	NY 11416	Postal mail

02/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 45140	Web

02/24/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 33414	Web

02/08/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 23602	Phone

02/08/2023	Yes	Checking or savings account Checking account	Closing an account Funds not received from closed account	TX 76705	Phone

02/04/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	IL 60652	Web	Older American

02/01/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NC 27405	Phone

01/24/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	TX 77065	Phone	Older American

01/10/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	GA 30319	Phone

01/06/2023	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CA 93704	Web

01/05/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	WA 98394	Web

12/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Problem getting a working replacement card	CA 95023	Phone

12/13/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to spend money in a store or online	OH 45211	Phone

12/12/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Don't want a card provided by your employer or the government	NY 14150	Web

12/06/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NC 28217	Phone

12/05/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	IN 46368	Web

12/02/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	IL 60525	Web	Older American

11/22/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	MO 63118	Phone

11/10/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	GA 30294	Phone

10/30/2022	Yes	Debt collection Payday loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 78238	Web

10/24/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	OH 44255	Web

10/24/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33619	Referral

10/06/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	GA 30078	Phone

09/29/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	AZ 85302	Web

09/22/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	MA 01605	Web

09/21/2022	Yes	Checking or savings account Checking account	Opening an account Account opened as a result of fraud	WA 99037	Web	Older American

09/20/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Getting a credit card Application denied	TX 75204	Web

09/20/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	NJ 07103	Referral

09/18/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	NJ 07040	Web

09/10/2022	Yes	Checking or savings account Checking account	Closing an account Can't close your account	NY 10019	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Public record information inaccurate	OH 44685	Web

08/30/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	IL 61107	Phone

08/30/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Closing your account Company closed your account	CA 92376	Phone

08/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Difficulty submitting a dispute or getting information about a dispute over the phone	CA 94801	Web

08/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 92553	Web

08/12/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MO 63120	Phone

08/09/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90731	Phone

08/08/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	IL 60586	Web

08/02/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	GA 31639	Phone

07/11/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NV 89142	Phone

06/30/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 32808	Referral

06/28/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95207	Phone

06/24/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	TX 77905	Web

06/18/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Card was charged for something you did not purchase with the card	CA 92620	Web

06/02/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	NC 27103	Phone

06/02/2022	Yes	Money transfer, virtual currency, or money service Virtual currency	Fraud or scam	CA 90011	Web

05/28/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NY 14614	Referral

05/26/2022	No	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	NC 27962	Referral

05/25/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	FL 32821	Phone

05/24/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MA 01949	Web

05/24/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	WA 98375	Phone

05/21/2022	Yes	Credit card or prepaid card Payroll card	Advertising Changes in terms from what was offered or advertised	WA 98023	Web

05/13/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	CA 95207	Phone

05/10/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CA 94141	Phone

05/10/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	PA 19132	Phone	Older American, Servicemember

05/06/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	SC 29420	Phone	Older American

04/29/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	ND 58104	Phone	Older American

04/28/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	TX 76051	Phone

04/25/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	CA 92404	Web

04/19/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75229	Phone	Older American

03/31/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 44511	Web

03/10/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	FL 32304	Web	Servicemember

03/04/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Problem with a purchase shown on your statement Credit card company isn't resolving a dispute about a purchase on your statement	OH 43205	Phone

03/04/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 93465	Web

02/18/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	WI 53923	Referral

02/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Problem with a company's investigation into an existing issue Investigation took more than 30 days	TX 77494	Web

02/07/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Problem using the card to withdraw money from an ATM	NV 89114	Phone

02/05/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	WI 53223	Web

01/03/2022	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	PA 19002	Web

10/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97005	Web

08/05/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	IN 46237	Web

06/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OR 97215	Web

06/11/2021	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Other problem	OR 97215	Web

06/09/2021	Yes	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	TX 77568	Referral

06/04/2021	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	CO 80542	Phone

06/04/2021	Yes	Credit card or prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	CO 80104	Web

06/03/2021	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	IN 46225	Phone

05/06/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	GA 30319	Web

05/03/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CO 80260	Referral