Payfare International Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
04/19/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	KY 40517	Web
I noticed an unauthorized charge from XXXX pending on my XXXX account in the amount of {$250.00} on XX/XX/2023. I have never used the card or account on XXXX, so this was a red flag. I initially called XXXX, who advised since the card was not ever in my account, they could not assist and advised me to call my bank. There was also a pending charge from XXXX in the amount of {$72.00} that I was able to resolve after multiple calls with them after I had contacted Payfare, so that amount, while mentioned in notes, is not relevant to this complaint. I called Payfare support at XXXX on XX/XX/2023 and spoke with XXXX XXXX XXXX got my information and what happened, then transferred me to XXXX. XXXX again got my information and what happened, advised me he was escalating me to a specialist and transferred me to XXXX. XXXX again got my information and what happened, cancelled my XXXX card and issued me another ( she did not advise me that there was a {$10.00} charge for this, I discovered that after the charge showed up on my account ), and sent me an email with a form to fill out. That email was received on my end at XXXX on XX/XX/2023. I replied to that email with the requested information and completed form at XXXX on XX/XX/2023. That ticket number is XXXX. XXXX did advise me on the call that it would be a minimum of 60 days before I received a response, so I waited to hear back. When XXXX days had passed and I had received no response, I reached out to Payfare support at XXXX on XX/XX/2023 and spoke with XXXX. I provided XXXX with my information and what had happened and she transferred me to XXXX at XXXX. XXXX again took my information and what had happened, asked that I send her a screenshot of the email I had replied to that showed the date, and sent me a support email that I could reply to. I replied to that email while still on the phone with her with the requested information. ( Reference number XXXX. ) She stated she received that email and would be transferring me to someone that could assist me. XXXX then transferred me to XXXX at XXXX, who again asked for my information and what happened. I provided that to him and he then transferred me to a specialist named XXXX at XXXX. XXXX advised me that I had not responded to the initial email within 10 days and my case was closed. When I advised him that I did reply, and that I did so on the same day and within an hour and a half, he kept cutting me off and talking louder. When I asked to speak to a supervisor, because I understand support is tiered and he may not be able to do anything further, but someone else could, he advised me that a supervisor was unavailable and even if they were available they would not do anything differently and hung up on me as I was actively speaking. I called back at XXXX and spoke to XXXX XXXX who stated that she would be escalating me to a supervisor and that I would receive contact with in XXXX days. The reference number she provided for the call is XXXX. She also sent me an email requesting additional information. I provided that to her and received a confirmation email from XXXX that it had been received. I then received an email on XX/XX/2023 from XXXX about resetting my password, to which I replied on XX/XX/2023 that wasnt what I needed help with. I then received a reply on XX/XX/2023 from XXXX detailing how to add bank information to my XXXX account. I replied on XX/XX/2023 that wasnt what I needed help with. I received a reply from XXXX on XX/XX/2023 that there was no coverage because I had not replied to the email from the specialist within 10 days. I replied on XX/XX/2023 and again provided a screenshot that verified I had replied the same day that I received the email from the specialist XXXX. I then received an email from XXXX on XX/XX/2023 that stated that he pulled the report that I submitted and that I was right, I did report on time and that I would be hearing from the support team within 1-2 business days. I missed that call yesterday because I was in surgery. Once I was home and settled, I called Payfare support back at XXXX yesterday ( XX/XX/2023 ) and spoke to XXXX who got my information and what happened then sent me a support email asking for a screenshot of the transaction on my account and the email I had sent. That email did not have a reference number included. I replied immediately and she stated she received the reply, then transferred me to XXXX at XXXX. After an extensive time on the phone with him and being put on hold for him to consult with a team member, he advised me to reply back to the original email for follow up because he could not assist me. After the call was over, I immediately replied to the original email from XXXX and received an automated response that the email address was not being monitored and would not be read. I then emailed and received a reply from XXXX that it would be forwarded to the team again. I received a phone call today ( XX/XX/2023 ) at XXXX from XXXX XXXX She asked for my info and as I was giving that to her, the call dropped. I called back immediately and spoke with Precious. She advised that I did not reply to the initial email from the specialist and my case was closed because of it. When I advised her that not only had I emailed proof multiple times that I did reply in time and would be happy to send in the proof to her that I had sent in two other times, which I was only able to say because I had to interrupt her because she kept repeating that I didnt reply in time and unfortunately she couldnt help me because of that, she then told me that I had sent the form to the wrong email address. When I told her that I had replied directly to the email I had received as advised in the email, she again began to say that I had not replied in time. When I asked to speak to a supervisor, because again, I understand tiered support and its limitations meant she might not be able to help me but someone else definitely could, that I wasnt angry at her but that I had done everything I was supposed to do and on time and it wasnt right that I was being told that I didnt, she again advised me that no supervisor was available to assist me, and that they would tell me the same thing, stated she was ending the call, and hung up on me. Precious then emailed me that I was not able to be assisted because the form was not completed in time. I sent screenshots in a reply that show that it was sent in time. I have done my part, and did it in under two hours after receiving the email from the specialist XXXX. I have provided proof of that numerous times. I just want Payfare to honor their Zero Liability Coverage and reimburse the {$250.00} that was fraudulently charged to my account. I have attached copies of the form as well as screenshots of emails I received from support staff when calling using the Call Support button in the XXXX XXXX app.
02/02/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble getting information about the card	NJ 08901	Web
On XX/XX/XXXX, I received a notification of a transaction on my XXXX card for a XXXX membership totaling {$110.00}. Some time prior to this I had received a notification for another XXXX transaction, and had contacted the XXXX XXXX team immediately to dispute the charge. Luckily, it was only an authorization hold and was later removed. However, during the call to the bank I requested that no further XXXX charge be approved as I did not currently use a XXXX account. This request was ignored. For both transactions I immediately locked my card. In any case, once the second transaction occurred, within a few hours I immediately reached out to both XXXX and the XXXX XXXX team to attempt to resolve the transaction and get my money back. Upon initiating a dispute process with the XXXX XXXX Payfare team, I was told to provide evidence that I contacted XXXX, and also to cancel and request a replacement for my XXXX Prepaid Debit card. I would have done this immediately, but in order to cancel the card you must pay a {$5.00} fee. I believe that this fee is not justified since postage for the card as well as the cost of making the card most likely do not exceed {$1.00}. In addition, I felt paying a fee to begin a dispute goes against XXXXXXXX XXXX zero liability policy. It seemed to me that Payfare only desires a profit from disputes as they can secure a {$5.00} card replacement fee in addition to any fees they assess to the merchant. For this reason, I thought it would be better to attempt to get in contact with XXXX to get my money back. After this, even though I've contacted XXXX multiple more times and spoke to multiple departments including the billing department, the corporate customer relations department, the customer service department, and the XXXX XXXX membership department, they maintain that they can not refund the charge as they require the email address associated with the XXXX account. Since this charge was made under a XXXX account that I do not own I could not provide them with this information. They even went as far claiming, during one conversation, that the matter had been escalated to a fraud department, which would make a final resolution on the matter after 5-7 days. No resolution was ever received and during a later conversation with another customer service representative I was informed that the previous agent must have been lying as there was no such procedure. This wait time caused me to exceed the 7 day time limit imposed by the XXXX Payfare team to provide evidence of contacting the merchant. I would go to contact Payfare only a day or two after this 7 day time limit to say try and explain the situation, but the Payfare team would only say that they could not assist me further and hang up the call. I then called XXXX multiple times to explain this, but they would maintain that their position, and tell me to contact my bank. Every time I have tried to contact Payfare after this, they simply do not accept my call, referring to it as an invalid escalation ( You can not get in contact with Payfare directly. You must first contact doordash who tries to to forward your call ). I believe the inability to get into contact with one 's own financial institution is ridiculous ; any account holder ( especially in my case as one who has had a history of {$20000.00} of transactions ) should be able to contact their bank at any time for any reason and at least be able to speak with a representative first instead of being immediately declined. Furthermore, the dispute timeline imposed by payfair is utterly ridiculous. All the banks I have dealt with allow much more time for the dispute process. Additionally Payfare gives itself 60 days to decide on the dispute, even while giving their customers only 17 days total ( 10 days to report the dispute and 7 days to provide the additional documentation ). This is absurd because the process for the customer to contact the merchant and the process for the bank to contact the merchant are almost the exact same. How can a bank give itself more time than the customer? This seems completely contradictory to the purpose of consumer banks to protect the assets of their customer. Furthermore, I am unable to voice any of these issues to or resolve them with Payfare as I have no way of contacting them. At this point, I would be fine even paying the {$5.00} fee for the card replacement if I would be able to continue the dispute. ( I have kept my card locked since to prevent further transactions, but do not want to replace it until Payfare allows me to contact them and try to at least explain the situation further ). I understand that I didn't do everything right in terms of their exact policy, but I don't believe their policy is fair for cardholders. I also don't believe that their business practices are the best in terms of not giving their customers the ability to contact them.
05/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NC 27534	Web
On XX/XX/2023 I received a XXXX XXXX notification so I opened it up and noticed there were " SIX '' " UNAUTHORIZED TRANSACTIONS '' from XXXX in the amount of {$25.00} " EACH '' totaling the grand total taken away from my card was {$150.00}. When I saw these six " UNAUTHORIZED TRANSACTIONS '' I contacted XXXX XXXX and they told me that I needed to contact XXXX. I called the XXXX number that was located beside the transaction in my transaction history from my XXXX XXXX card. XXXX stated to me that I would need to contact the " BANK '' which is " XXXX XXXX. '' I contacted XXXX XXXX and they sent me an email on XX/XX/2023, at XXXX XXXX asking me to provide the last 4 digits of my XXXX XXXX card, along with my zip code, bank name tied to my current payout method, date of birth, and the last date that I XXXX XXXX. I provided all the information that they requested along with sending them a screenshot of the " SIX UNAUTHORIZED TRANSACTIONS '' I provided them with this information on XX/XX/2023 @ XXXX XXXX. I called back the next day in regards to these " SIX UNAUTHORIZED TRANSACTIONS '' and they stated to me that there was no one available from " XXXX XXXX '' which I found to be very strange because how is it impossible to speak with " THE BANK THAT PAYS YOU AND THE BANK THAT WE ARE TRUSTING WITH OUR FUNDS? '' XXXX XXXX responded back with an email on XX/XX/2023 @ XXXX stating " Thanks for reaching out about my unauthorized transactions they understand the importance of resolving my concern, and they have escalated my case to the XXXX escalation team. They stated that the XXXX XXXX escalation team will need to verify my account to proceed. So I " AGAIN '' had to provide them my date of birth, the last 4-digits of my driver 's license, my banking institution, the last 4 digits of my XXXX XXXX card, and my last XXXX date. I provided them these details in an email sent to them on XX/XX/2023 at @ XXXX. On XX/XX/2023 @ XXXX XXXX, I received another email from XXXX XXXX support thanking me for reaching out and this was " XXXX '' from XXXX XXXX support. She provided a code in her email stating in order to move forward with any necessary account changes please provide the code below to a XXXX support representative or respond to that email. I responded back to " XXXX '' email on XX/XX/2023 @ XXXX XXXX. After responding back to " XXXX '' email I didn't hear anything for a couple of days. I contacted XXXX XXXX on XX/XX/2023 in regards to these " SIX '' UNAUTHORIZED TRANSACTIONS several representatives acted like they were transferring me to XXXX XXXX representative but every time they came back on the line stating that there wasn't a XXXX XXXX representative available that I should be receiving an email. I decided to call XXXX XXXX back one more time in regards to these " SIX UNAUTHORIZED TRANSACTIONS '' The man came out his mouth and said to me haven't you already called in several times today in regards to this incident. I stated to him it doesn't matter how many times I have called in I have yet received assistance regarding these six unauthorized charges totaling {$150.00} and I WANT MY MONEY BACK CAUSE I DID NOT AUTHORIZE THESE CHARGES. I explained to them that I let " THE FIRST '' incident slide that occurred on XX/XX/2023 for an unauthorized charge in the amount of {$32.00}, I stated to them that I was NOT going to let this {$150.00} slide at all. On XX/XX/2023 @ XXXX XXXX I received an email from " XXXX '' at XXXX support in her email she sent she stated " There is a high volume of cases at the moment which has caused a delay on the time taken to follow up on my request. She stated that she would give me a call. I never received a call. When I arrived back from my cruise on XX/XX/2023 I called XXXX support and explained the " SIX UNAUTHORIZED TRANSACTIONS TO THEM AGAIN '' They stated they were going to transfer me to XXXX XXXX I was transferred to a XXXX XXXX representative for the " FIRST TIME '' ever since these unauthorized transactions had taken place on XX/XX/2023. The representative was very rude basically telling me that I did authorize this transaction and she was removing my case from their system and she hung up on me. I called back into XXXX support the representative attempted to transfer me to a XXXX XXXX representative then came back on the line stating that there was not a XXXX XXXX representative available considering one had just hung up on me five minutes prior. I explained to the representative that XXXX XXXX CAN NOT be a real bank because there is no way a bank would communicate with their customer who is telling them these charges are fraudulent through email and NOTHING gets done! I work too hard as a XXXX XXXX to just let my money be taken away. I trusted XXXXXXXX XXXX with my earnings and now I DONT TRUST THEM AT ALL!
04/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TN 37075	Web
I have worked for XXXX for over a year, and i am paid daily through their XXXX program of XXXX XXXX. I have had minimal issues until the XXXX of XX/XX/2023. At this time my money began to have a hold on my funds for a day. I called and tried to address the issue wi th XXXX who told me it is an issue from an internal system update. I found this to be an odd explanation because prior to this moment if XXXX had a system update we were informed on our app that the system will be down during perious for scheduled maintenance. The next day the same issue occured when i tried to cashout my earnings. On the XXXX and XXXX the same issue occured. I was missing a payment of {$17.00}. When i called to resolve this issue the bank swore the koney was deposited to my account. Upon referring to my transaction history previously posted transactions had been moved from thursday to now show as posting on the XXXX of XXXX. I know this to be a fact because the transaction was an XXXX cash transaction which automatically takes it from my account and post it immediately and I have never had this issue once in my life. I went back and calculated all of my transaction history from the very XXXX day I ever worked for XXXX and I am still {$17.00} short which they refuse to acknowledge they tell me that it shows on their end that it has been deposited into my account. After I brought this lie to their attention I was immediately blocked from my transaction histories to where I'm not allowed to look at them in my XXXX app or in my dasher direct app. Anytime I bring up any concern like this I am told that it is an application issue and there's nothing they can do about it it's an automated system. I was asked what my test questions were so they could perceive in helping me at which point I gave my answers one answer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was told that all 3 of these answers were incorrect because I assume the customer support agent could not read and because I said XXXXXXXX XXXX XXXX XXXX XXXXXXXX The agent stated that I got the test question wrong and blocked my account. Ive provided copies for my ID front and back along with it next to my face. When I call asking for help I'm told that the only person who can help me is the agent who blocked me and I say will please let me speak to a manager because I do not feel that it's right I feel like hes doing this out of spite I want a different person helping me because he will not unlock my account even though I'm providing him everything that he is asking me for I am told by the company that they do not have managers or an HR team to deal with anybody 's problem and that the support team members are the ones who decide whether or not your issue is worthy of even being heard half of the time they just hang up on me after hearing what my complaint is and what issue I'm having and never resolved my issue I'm losing my mind I don't know what to do I am begging and begging for help they are playing with my livelihood and I don't understand how they get to play XXXX with my money. I would give more detailed information but they have me blocked from all of my transactional history and my deposit history so I can not see it because of how they are messing with my account internally. They assure me that they're not but as soon as I raise a concern about my transaction history is the moment that I get blocked from it so something is going on and then the fact that everyone hangs up on me leaves me to believe that something is definitely going on. If they unlock my account I can provide you with any kind of information you want to show proof of what they're doing but until they unlock my account I don't have any kind of things that I can add to this to prove my case because they're doing this to me on purpose. Even if I call in right now and ask for help they're going to ask me what my last transaction was and all these different questions that deal with my transaction history and then refuse to help me because I can't tell them my transaction history because they have me blocked it's like an endless circle of we're not gon na help you and we're gon na get out of it anyway we can and you're screwed until we unblock you.
06/28/2022	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 94565	Web
This complaint is one made against the XXXX card ( by PayFare ). This is a card that XXXX offers their XXXX delivery drivers such as myself as a payout option to get our payouts/earnings faster. On XX/XX/2022, someone obtained my card info and charged {$87.00} from XXXX. PayFare has NOT resolved the issue! They have not even reached out to me! I have never been able to speak with them, ever, despite the fact that I have been on hold being transferred to them for XXXX minutes, XXXX minutes, and XXXX minutes. XXXX minutes is how long I was on the phone today trying to speak with them again by the way. One phone rep just simply told me theyre not available to speak to and that theyd email back in XXXX hours which was 5 days ago. Communication was an issue prior to that 5 days ago and it still remains an issue now. PayFare has ignored my emails, calls, and doesnt seem to care about responding or investigating to resolve the issue by refunding me my money that was stolen, locating & investigating the thief/hacker as well as patching up their security system for any weaknesses that can contribute to a possible data breach within the company. I followed the dispute process for this XXXX {$87.00} charge to a T ( as well as the transfer dispute ) and have gotten nowhere. I am entitled to money that belongs to me and as a cardholder/account holder, I expect my bank, PayFare, to provide safe banking. Safe as in our sensitive banking details are secured by PayFare as well as our money! The money that was in my account is insured and must be returned. I am am extremely disappointed and have lost faith with PayFare. No one is telling me anything and Im getting extremely frustrated having to speak with non native English speakers each time over the phone because I have to reiterate over and over to the point where it is extremely redundant especially when I am spelling things out to them. For example, the XXXX rep today kept saying ( dis-poo-day ) instead of dispute pronounced the way it should in English. Took me 5 minutes to understand what he was even referring to..not to mention his dogs barking in the background. Extremely unprofessional company. On XX/XX/XXXX, apparently the the same hacker got into my account and instantly transferred {$91.00} to an external bank account! I dont understand how this was so easy and didnt require any verification. I called the phone number on the XXXX card app which is the same phone number to XXXX. I called immediately and got the transfer cancelled before it has posted even though it was already taken out of my account immediately! This was NOT done by a PayFare rep though. Nope. PayFare is impossible to speak with yet my {$87.00} card charge dispute they say MUST be handled by them apparently instead of XXXX. I was told by a phone rep though that changing my account # is not an option for me even though a hacker obviously had access to it! Its r idiculous that it cant be changed! Especially upon my request. Whats so hard about that? Keep the same one just for a fraudulent transfer to be made again? Maybe its PayFare behind the hacks and the theft. Because Lord knows when theres a dispute, we get ghosted! I will be contacting my states attorney general if this is not resolved immediately now that I have filed this complaint with the CFPD and have filed a police report.
01/19/2023	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	TX 77546	Web	Servicemember
Hello, I am writing to file a complaint for the lack of support I feel is sufficient when an account has been hacked. On Monday, XX/XX/2023, at about XXXX XXXX CST, two charges appeared on my account that I did not make. XXXX notified me that they suspected fraudulent activity and that my card had been locked. I logged into my account, saw the charges and went to check that it was locked. It was not locked, so I locked my account. I then went to their help section on what steps to take. It said to lock my account, order a new card ( at a {$5.00} fee ) and to report the charges. It also asked me to contact the merchant. Even though it said to report the charges, it did not say how to. So I contacted the merchant that evening and waited to call customer service the next morning since it was pretty late at night. While on the phone with customer service, it took 32 minutes to get to a third person that could actually help me. It really should not take that long to get assistance when you've been hacked. That person advised that they were going to order me another new card ( one top of the one I already ordered after following their steps on their site, at another {$5.00} fee - so that's {$10.00} now in fees to fix something I already felt violated enough for ). After disputing this a few times, she put me on hold to tell me they didn't have to order me a second card, but that the charge for the first card still stood. My first complaint is how can a company profit off of someone who is already going through the hassle of their account being hacked. They have since reversed that charge for the card fee, but nobody updated me on that, I saw it in my account. Back to the call, the lady tells me I need to contact the merchant and provide screen shots of that to them for them to investigate it and that it can take 60 days to process. This is where my major complaint is ( not just the extreme lack of customer service in a situation where you feel you have been stolen from ). They can look at my account and see that I have never used this card online, I have only ever used it for in-person transactions locally. The hacker paid for services in XXXX through a XXXX website. However, they are not releasing my money back to me till the investigation is complete. In the meantime, they put the money back in my account, to then take it back out ( screenshot attached below ). I'm furious as to why a company would take so long to place the funds back when it's clear that I did not make the purchase. I even provided them with screenshots of when I tried to contact the company where the transaction came from that showed that the email account is fake ( attached ). XXXX has been anything but helpful in a situation where I already feel violated. I also thought this is why financial institutions have insurance to cover situations like these, instead of making the customer wait so long. I have never used this card online, and the few times I have used it have all been in person, that makes me feel their system is not secure and has been hacked or someone on their internal team used my information.
06/05/2023	Yes	Credit card or prepaid card General-purpose credit card or charge card	Other features, terms, or problems Problem with customer service	CO 80923	Web
I've been working for XXXX for a little while now, and recently signed up for and received a XXXX XXXX debit card through PayfareXXXX bank. During the time between signing up and having the card delivered, you are allowed to use a virtual card to make payments. I had used that virtual card information to make a transfer in XXXX before I had hands on the physical card. That information remained in XXXX, and I mistakenly used it to try to transfer money to a friend ( {$10.00} on XXXX ). XXXX did not give me any indication as to why the card was not working, but I received an e-mail from XXXX XXXX shortly thereafter explaining that my account had been suspended for XXXX hours. That e-mail came in at just about XXXX on the same day ( XXXX ). I did not use the card after that, and I was unable to update the information in XXXX because it was suspended. I initially reached out to XXXX XXXX support and was told that there was nothing I could do about it. They did not seem to understand my situation or know why my card was suspended until I told them my suspicions and they decided to " escalate '' my case. This apparently takes 1-2 business days because XXXX XXXX support ( a separate support team for the card specifically ) is rarely available. I know because I called them within the hours listed and was told they can't be bothered by the same, regular, XXXX XXXX support team. I also explored the numerous testimonials of other XXXX on the internet experiencing the same problem. It's not like the company can pretend they are unaware of this issue. My card was not reactivated after the 24 hours, and I had to wait until this morning to receive a call from XXXX XXXX informing me that they had reactivated my card ( should have taken 2 seconds in the first place, and clearly did here ) .I became frustrated with the wanton lack of regard for the issues I was discussing, including the initial suspension, the lack of knowledge on my case, being shunted off multiple times to people who could not help, and finally being told that I should just be happy the card was reactivated now. This is my only source of income and I am sheltered-homeless right now. I don't have the luxury of waiting around for days to access the money that I EARNED since I use it daily for gas, food, and other expenses. I don't appreciate the fact that the representative for XXXX XXXX would not hear me out, would not answer my questions, would not let me speak to a supervisor ( because they " would say the same thing '' ), and then hung up on me intentionally. This has impacted me, and maybe not to an extreme, but it is not okay. I expect to hear back from someone who is competent and actually involved in the company they claim to work for. I am a damn good XXXX and I know I'm not the only one getting jerked around like this.
12/10/2022	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 741XX	Web
I work for XXXX XXXX and I opened a XXXX XXXX XXXX account on Wednesday XX/XX/XXXX in order to receive my XXXX XXXX earnings faster with their instant pay option. On Friday XX/XX/XXXX, 2 days after signing up I began getting notifications about unauthorized transactions that were being made from my account. I contacted customer support and informed them of the transactions. They suggested I lock my card on their app, however since I had not yet received my card in the mail or activated the card on their app, I had no option to lock the card. I was told that they would lock the account for me while they investigated. Somehow, someone who I believe is associated with their app/company, got into my account and changed my phone number in order to get a hold of my virtual card number. They added it to their XXXX XXXX, and used it to make XXXX large purchases. I do not have any XXXX Devices and do not have an XXXX XXXX account, nor have I ever, I only use Android devices. Saturday morning XX/XX/XXXX I noticed that XXXX more unauthorized transactions had gone through and again I contacted customer support. They cancelled the virtual card, which they should have done when I called the night before, and issued a new card. However the new card number was somehow " accidentally '' sent to the same XXXX XXXX account that has been stealing from me by the XXXX XXXX support team, facilitating more theft from my account. I would like to point out the fact that their app says that XXXX XXXX transactions are not protected, which is convenient for them if they are using XXXX XXXX to steal from their customers. My account has gone from a balance of {$500.00} to negative - {$190.00}, around {$700.00} total fraudulently used. I have contacted support several, several times and spent hours on the phone with them to get no help at all. They refuse to let me close the account even though I have specifically asked for the account to be closed multiple times. They have refused to transfer my call, repeatedly hung up on me, ended support chats abruptly, and basically refused to provide any real help or stop the unauthorized transactions from continuing. The fact that they won't assist in closing the account or stop the unauthorized transactions, raises concern that they are the ones behind the scam. Also the fact no one else could have accessed my info other than an employee, and that they know to use XXXX XXXX to try to avoid company liability is a big indicator that it is an inside job. Transactions XX/XX/XXXX - XXXX XXXX - {$260.00} XX/XX/XXXX - XXXX - {$210.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8.00} XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$3.00} XX/XX/XXXX - XXXX - {$9.00} XX/XX/XXXX - XXXX - {$210.00} ( somehow charged twice ) Total of unauthorized charges {$710.00}
11/03/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	OR XXXXX	Web
I noticed a fraudulent transaction on my account and reported it right away and locked my card. I then went through my account and noticed several other transactions. The company gave me a form to fill out and I did that and returned it. They then sent me an email telling me I only had 3 days to provide them with the information I found from the different companies and I replied back that I was having difficulty because the company 's were abreviated names and acronims. The company 's that I did get in touch with couldn't find the transactions and I was told that when these hackers steal your info they use 3rd party processing company 's so it makes it harder to find the transactions. I got a voicemail back from XXXX company which I didn't know how to attach that to an email and I got an email back from another company and I forwarded that back to them. I had no control over how long it took the company 's to get back to me and I expressed that to XXXX XXXX and said I was not able to find any contact info on the other company 's. I was told by then that I didn't meet their dead line for when I was to report the information I had gotten and they denied my claim and are refusing to refund these fraudulent charges and I have called multiple times I have reached out to XXXX XXXX as well and all I get is transfered around and eventually XXXX XXXX just says they denied your claim nothing more will be done and they hang up on me. I will list the transactions below. I was in constant contact with XXXX XXXX the entire time and because they didn't get the information about the company 's that I had to research without any assistance from them it took me a little bit but as soon as I got any information I sent it to them. I did everything I could as fast as I could to provide them with the information they requested but some of the company 's I couldn't even find any information on and apparently that was not expectable either but I didn't know what else I was supposed to do and I expressed that to them with no response and no assistance to them be told my claim was denied and ever since I just get hung up on by them Transactions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on various days 6 of them total all for XXXX XXXX XXXX XXXX I sent them a list as well and provided everything that I could and they still denied my claim because i.didnt get the the information on the company 's within the time frame they set which was 3 days. I got them the information when I got it and I also informed them that I was waiting to hear back and that I couldn't find anything on some of them. With no response from them.
06/01/2023	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	GA 30084	Web
On XXXX the XXXX or XXXX I believe I reported a unauthorized transaction {$450.00} as well as many. More onauthorized transactions that were used by my account online to purchase product On websites that I have never ever been a nor used. I contacted the merchants to try to resolve the problem at first then I contacted my XXXX pay direct who is payfare And reported a unauthorized transaction they sent me a list of information and procedures I needed to do in order to dispute this transaction that amounted to a. {$150.00}. I did every single thing and have more than proven that this was not me who authorized the transaction. Nor was the one who even had any part to do with the transaction. I offered to go get a price report. I was told through email not to do that it was not necessary. I provided all and any documentation to communication with the merchant. And I was told that there would be no more than 60 days. It has been over 75 days now. I have emailed numerous times with no response whatsoever. I have now contacted on more than XXXX times every single day for the past 10 days with run around and more than likely most times. They just hang up on me with no response. They just tell me it's been sent to another department and then they hang up on me every single time. They do not allow me to even say anything else once I figure out that it's me. I would like a resolution because I know just as well as they do that this was not me. My card information was stolen because I left my card accidentally at a gas station on the counter. I even went to the gas station to. I have a precious report filed against the convenience store clerk. Who I believe is the one that stole my Information. Payfare has been more than unprofessional and more than unresponsive to any and all of my concerns regarding this because I am a XXXX XXXX Full time And I generate more than {$7000.00} worth of taxi for the company every single month consistently for almost a year now and to be treated and this type of manner with no help no resolution and any and all promises and guarantees made by this company to resolve my issue for the money that I hard earned honestly. And you have complete and total disregard for that and complete and total disregard for my contribution to the company at 2 try and have a decent honest. Living to have no help whatsoever and as I say again complete and total disregard or any type of loyalty from their end on their promises and they're guarantees it's like falsely. Promote is a disgrace and I'm ashamed that I even have to do this to make a living now knowing that I have no type of protection. Whatsoever when it comes to the money that I make for thiscomforting
04/17/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	DE 19977	Web
On XX/XX/2023 someone gained access to my XXXX XXXXPayFare account by scamming me with a fake customer service call. I have since tried on MULTIPLE occasions to speak with customer services to be reimbursed for the money that the scammer used as well as the charges charged by them for a replacement card. I have been assured on 3 seperate occasions someone would reach out to me within 24 hours and I have not been contacted once. I have had to reach out to them each time. To this day, XX/XX/2023 I am still receiving notifications that someone is attempting to charge my XXXX card for purchases that are not authorized by me. They will not deactivate the card or the account until it is investigated, so meanwhile I am forced to allow this scammer access to my account and money which also means I am unable to XXXX for fear that any money I would earn they would immediately take from me. I can not just close the account because that would mean I have no history of the scam/money being taken. I have responded to multiple emails but am told that my case has been closed twice due to lack of communication, even though XXXX customer support are the ones not responding to me. I have been issued 3 different case/reference numbers. Every time I call I am told I just have to wait for the investigation to be completed and each person says they are escalating and putting it as urgent. I have been hung up on by customer service agents on 4 different occasions. On XX/XX/2023 I was charged {$5.00} for a replacement card fee that I did not initiate. On XX/XX/2023 the scammer redeemed {$8.00} of rewards on my XXXX debit card, as well as initiated a {$13.00} direct deposit. They linked my virtual card to their apply pay account. I was then told to report the card as stolen rather than customer service just deactivating the card. This automatically issued me another XXXX card, so I was charged another {$5.00} replacement fee. On XX/XX/2023, the scammer still had access, even though the representative said everything was taken care of, and in turn charged {$8.00} to XXXX. I called and told support that this person was still using my account and so was told I just had to wait. On XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 the scammer attempted to make purchases. I am not comfortable knowing this person has access to any part of my account and no one at XXXX/PayFare seems to care. This person has my personal phone number and I do not feel safe and they will not do anything about it. I am missing out on money because I am unable to XXXX without fear of having money stolen from me again. It should not take TWO WEEKS to investigate this issue.
11/07/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MO 63376	Web
I work a second job with XXXX and have chosen to have my earnings immediately transferred to the XXXXXXXX XXXX XXXX which apparently is a product of Payfare, and issued by XXXXXXXX XXXX On the evening of Monday, XX/XX/XXXX, I was completely unable to access my account on the XXXX XXXX app. After XXXX XXXX '' that night, I received any error message which read " There was a problem with your transfer. '' I attempted to use my card for a purchase and it was declined. I tried contacting support for the XXXX XXXX XXXX and after 37 minutes without my call being answered, I hung up. Throughout the night I attempted to access my account through the XXXX XXXX app and was unable to login. I called support again and this time, after 23 minutes, my call was answered. I was told " you can't use the app or your card until the current maintenance is complete. '' When I inquired how long this " maintenance '' would last, I was told " we have no idea. '' I later contacted support again, though this time I used the XXXX app ( different than XXXX XXXX app, but the support for the XXXX XXXXXXXX XXXX is the same exact support you contact for an issue with XXXX itself! ) On the XXXX app, I was able to get through to support via live chat on the app. I inquired about the error message I received ( There was a problem with your transfer ) and the support agent informed me they were researching the issue. The information provided was that they assured me I would receive the earnings, eventually. When I inquired as to when that would occur, I was told it SHOULD be there within 72 hours ( it's normally IMMEDIATELY available once my XXXX has ended ) and if it's not, I should contact support again. So I can't access the money I've earned, and XXXX can't tell me when the monies might be deposited into my account. My XXXX XXXX XXXX continues to be declined, even though I had other funds in the account prior to the, um, " maintenance. '' The worst part in all is this is that when I work for XXXX, I don't take my wallet with me, since I'm in and out of my vehicle throughout the night. I only take my license, my XXXXXXXX XXXX XXXX ( used to make purchases for XXXX orders at grocery & convenience stores ) and my XXXX XXXX card. I take my XXXX XXXX card with me to purchase gas while I'm working. Tonight I was stranded at a gas station for over 6 hours because I was on empty and only had the XXXX XXXXXXXX XXXX with me to pay for gas. Eventually, a kind-hearted complete stranger overheard me talking to a fellow XXXX who was in the same boat I was and they paid for enough gas to get me home.
04/30/2022	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	MD 217XX	Web
I had a horrible experience with delays and unnecessary hardship getting a {$2.00} refunded from this company ( see CFPB complaint XXXX ), so I decided to close my Payfare XXXX account. I sent an email requesting that my card & account be closed, and I received written confirmation from Payfare that my account was closed. My XXXX was also automatically deleted from my XXXX XXXX wallet, and I destroyed the physical card. A few days later, I found out that XXXX had issued a {$4.00} refund to the now-closed XXXX card for an item I paid for but never received. I sent an email to Payfare asking for a check for the {$4.00} refund that was processed to be mailed to me. At first, I was told I wouldn't be getting the refund because I had closed the account. I sent a second email pushing back on this and asking if Payfare would be keeping the refunded money, after which I received an email from another Payfare agent stating he had reopened my XXXX account without my permission or notifying me first so that I could retrieve the refunded money. My login credentials no longer work to log into the XXXX XXXX, and when I use the " Forgot Password '' feature in the app it says that it is sending a verification code to my email which I never receive, despite numerous attempts. Without a physical card or access to the app, I have no way to retrieve the money in my account. To make matters MUCH worse, by reactivating my XXXX account without my permission and without notifying me first, current work earnings from XXXX XXXX have been diverted to this XXXX account which should have been closed. With the addition of these funds, there is now {$47.00} in this XXXX account which I can not access. I have sent the company numerous emails stating that I can not access the app and explaining my frustration, and they seem to have stopped responding. This is beyond unacceptable. I closed this account and received written confirmation is was closed. Payfare had no right to re-open the account without my permission. Merchants can issue refunds on debit card purchases for up to 12 months, and most refunds go straight to the original payment method without any chance for the consumer to change it. It is unacceptable for Payfare to not have a procedure in place for returning refunded monies to prior customers without re-opening their accounts. I know when I closed my XXXX XXXX XXXX account, for example, when I got a refund to my debit card 6 months later, they simply mailed a check to me for the refunded amount and did not need to reopen my account without my permission to do that.
06/05/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 34747	Web
I submitted to my employer, direct deposit information provided to me by XXXX by Payfare Inc. As a XXXX I expected ease of access while on the go, working two jobs and being homeless so that I may afford necessities such as housing. My employer sent my XXXX deposit to XXXX by Payfare Inc on Wednesday XX/XX/2023 in the amount of {$400.00} to be deposited into account XXXX routing number XXXX. I confirmed with my employer on Friday XX/XX/2023 that the deposit was accepted by XXXX by Payfare and has not been returned to them for me to receive a paper check. Several representatives assured me my deposit would reach me by Monday, XX/XX/2023. When it had not arrived, I reached back out to my employer to see if it was returned for any reason and they confirmed it was not. I then reached out to XXXX by Payfare support around XXXX EST to find out what happened. I was hung up on and blindly transferred by several employees. I reached XXXX or XXXX who identified himself as a 2 year veteran employee with XXXX by Payfare who explicitly stated the do not accept direct deposits from outside entities or financial institutions, which is the opposite of the information provided on the Direct Deposit form provided by the company, as well as the XXXX Cardholder Agreement. He insisted that the form they provide is strictly for alternative forms of payment in case Dashers are missing XXXX deposits. He stated he would transfer me to a Payfare supervisor that was familiar with my situation and would assist with resolving my issue where he then proceeded to provide me a false callback number for Payfare of XXXX that does not ring, it simply drops the call. He placed me on hold for over an hour and I still have no knowledge of where my funds are. I received an ACH direct deposit from XXXX XXXX on XX/XX/2023 in the amount of {$5.00} with the same information provided to my employer that paid me {$400.00} and it was received correctly. The XXXX XXXX states an ACH direct deposit should be paid to users within 2-3 business days, which has been exhausted, up to 5 business days if there is a reasonable delay communicated by XXXX. I have no idea if and when I will receive my funds which has caused me to lose my job with my primary employer, losses for my vehicle as well as housing expenses that Ive needed to rearrange for due to not receiving my funds. I have also had to borrow several hundreds of dollars from loved ones to help pay expenses that were supposed to be covered by that deposit.
05/29/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	OK 740XX	Web
My payfare XXXX XXXX XXXX through XXXX XXXX stopped working... .I called them from a gas station where my card would not work at the pump ... in the store... or at the atm... .I called XXXX XXXX..they verify it's me... they transfer the call to XXXX XXXX... on hol 45 minutes ... they hang uo ... .multiple times ... .I know they get my calls because they send me emails... XXXX... to be exact... I've responded to them all ... still card does not work ... .I was left stranded over Nighy ywo nights two days because I could not even put in gas ... ..this has happened multiple times..once in XXXX and it took 30 days to get it fixed and I lost my apartment because of it ... I hadd to move ... because I could not access my money ... ..they fixed it ... 3 months later they screwed it up again same thing... so ... this is the third time this card has put my life at risk sleeping in my car at a gas station because this card doesn't work ... .a police officer came to help me... I called to see of I should file a complaint ... he told me about you. Gave me the info and he even pulled XXXX dollars of his personal money put to help me after reading the emails and seeing the calls... I even called XXXX while officer was there he heard the whole conversation and said I need to make a complaint ... .it 's violating me in XXXX different ways in regards to federal law ... I feel like I've been discriminated against I feel like I've been robbed... abandoned ... and they did nothing knowing my XXXX needed me..I jad to pay XXXX extra to my baby sitter because of getting left at the gas station all night ... ..that was last week ...... well... today it happens again ... card doesn't work... I jave money I earned and they will not give it to me after o er XXXX emails and XXXX phone calls ... ..they basically used my car my gas putting my life at risk and took my money and refused to help me by fixing my card ... ..it has to be a refusal because they could've fixed this day one... .the refused..or didnt ... either way it has cost me alot and all because they don't have customer service at all ... .I want my money..I want to sue them in federal court for my money plus the expenses and trauma it has cost my family... this is absolutely horrible situation nobody should have to go througb ... I work hard ... ..this is not fair. It XXXX XXXX XXXX XXXX XXXX to know people will use me this way.
07/27/2022	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	GA 30338	Web
I currently work XXXX XXXX XXXX XXXX XXXX XXXX and they have available a prepaid debit card XXXX XXXX XXXXXXXX XXXX XXXX which is operated by Payfare. On XX/XX/XXXX my debit card was charged {$86.00} by a company called XXXX but this charge was not familiar to me and I had never heard of XXXX. I immediately contacted XXXX XXXX customer service to report my card lost/stolen and ordered a new card. I was instructed by customer service to attempt to resolve the charge dispute with the merchant ( XXXX ) first so I did call them and spoke to a rep for about 30 minutes and found out that not only was I charged {$86.00} on XX/XX/XXXX, but I was previously charged {$110.00} on XX/XX/XXXX but never noticed the fraudulent charge to my debit card. After speaking to the XXXX rep we found that the charges came from the payment of a smartphone ( XXXX ) and service payment for a family member that had previously visited my residence during that time period. So obviously this family member obtained my debit card information without my consent and used it to purchase the smartphone. What they did with it I don't know. But XXXX said that they could not refund my money and that I need to file a dispute with my card company. So I contacted XXXX XXXX again with a completed dispute form and screenshot of my call log to prove that I contacted XXXX. After submitting this information via email a representative sent a reply stating " your claim does not qualify for a refund as the transaction ( s ) does not fall within the Zero Liability Protections outlined in the cardholder agreement, which can be found in your app under Legal from the main menu of the XXXX mobile app. '' After reading XXXX that same part of the cardholder agreement, it clearly states that zero liability applies when someone transfers money from my account without my permission. They told me, Zero Liability coverage does not apply where you do not use reasonable care in protecting your card from loss or provide access to your card to another individual. Although the person responsible is a relative I used the same amount of protection that I would use in public. I don't leave my card out in the open, it's in my wallet inside my desk drawer that's located in my study where only I am allowed. I will include a screenshot of the cardholder agreement section that they are trying to twist around in their favor.
04/22/2023	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 30134	Web
I'm a XXXX XXXX XXXX XXXX uses payfare to mediate their transactions. On XX/XX/XXXX the XXXX XXXX app went through what's considered an " outage. '' The app crashes and payments go haywire. During this specific outage, I had 2 separate deposits from two different " dashes. '' 1 in the amount of {$15.00} and the 2nd for {$21.00}. I had to make SEVERAL phone calls up until just before I typed this complaint now on XX/XX/XXXX. I had a phone call with a representative that saw that my payments were floating and confirmed they were supposed to have the money hit my account in within " 5 business days ''. I made several phone calls more because I XXXX XXXX full time, 7 days a week, and that's unfair for me to work as hard as I do, ( As a top dasher for the last 4 months straight ) and not be compensated for my labor. In addition to that initial problem, through several more hour ( s ) long phone calls, I also had to wake up one evening after finishing my dashing day with {$19.00} in my account. I wake up to 5 charges from earlier that morning to afternoon, charging my account again, finalizing my account at that time to - {$36.00}, On XX/XX/XXXX around midnight. I made SEVERAL phone calls after that, to no avail. Days later, I get a notification in the interim, saying that the XXXX XXXX XXXX has been having issues with gas stations and pending charges. After more phone calls and getting the " run-around '', I spoke with another dasher direct representative who confirmed that my balance during that phone call was {$63.00} and that my account was supposed to reflect {$120.00}. And was still missing {$59.00} in more floating payments. The total of money missing is : {$15.00} ( 1st deposit XXXX ) {$21.00} ( 2nd deposit XXXX ) {$56.00} ( - {$19.00} -> - {$36.00} XXXX Money taken ) {$59.00} ( Phone call confirming additional Missing payments ) The total amount I'm missing is : {$150.00}. That's what I earned and is not in my account and that's all I want. I've had so much hardship begins of missing money. I've run out of gas twice because money has been missing from my account. I've been stranded with car troubles and can't use my card because they're withholding money. This needs to be resolved and if possible with extra for the inconvenience and phone call games. I don't deserve to be withheld from my EARNINGS.
07/30/2021	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	NJ 077XX	Web	Older American, Servicemember
On XX/XX/XXXX I tried to withdraw {$300.00} from my XXXX XXXX ( Payfare ) account from an XXXX ATM, while the transaction was processing their was a malfunction and the unit shut down. Although no cash was dispensed, the funds were withdrawn from my XXXX XXXX-Payfare account. I immediately contacted the ATM Provider ( XXXX ) and they confirmed that no cash was dispensed, yet the funds were withdrawn from my account. They stated that the refund process had to be initiated by XXXX XXXX and that XXXX XXXX ( Payfare ) should reference the XXXX Case Number XXXX. XXXX assured me that they would not dispute this and their system records show that no cash was dispensed and the funds were withdrawn from my account. The problem started with the XXXX XXXX-Payfare customer service group ( offshore ). I engaged XXXX XXXX ( XXXX ). The requested a summary of the event which I emailed them 7 minutes later at XXXX XXXX. This started an endless an endless email and voice campaign which provided no resolution, they kept stating it may take up to 60 days to complete. On XX/XX/XXXX they sent me a form to complete that I had to return it immediately or my case would be closed. When I tried to communicate with them on the XXXX my email was rejected because the case was closed Today I spent 30 minutes on the phone and I askerd them why did it take 17 days to send me the form, they stated the pandemic. I stated that I was truly ill ( recently detected XXXX XXXX ). The operator stated that they did not want to receive any further documentation from me, but they will consider re-opening my case. This action could have been resolved within 24 hours-XXXX stated repeatedly there is no dispute, your card provider just needs to request a refund using the case number that you provider ( XXXX ). Payfare has made it impossible to contact anyone domestically, all must go through the offshore call center which can not grasp the problem. I am a senior citizen, a XXXX veteran and I really need your help to escalate this case where there is NO DISPUTE, the ATM provider states they will refund the monies owed me, but it can only do so through the card provider, Payfare. All pertinent documents are in a single document that I have attached. Thank you in advance, XXXX XXXX All
07/28/2023	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	GA 30093	Web
On XX/XX/XXXX I tried to make an ATM withdrawal for {$200.00} at the racetrack XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX However, I was told that I had insufficient funds in my account, but the money was still taking off of my card a total of {$200.00} along with the {$2.00} Payfare card with XXXX XXXX I immediately reached out to my card company XXXX XXXX/ Payfare And was told to wait XXXX to XXXX business days after the third business day XX/XX/2023, the money still did not come back on my card so we filed a dispute. I was only sent one email after about 2 weeks that said that we are hard at work and after that a week after I received another email that says that according to your XXXX we can not proceed with your case your case has now been closed. I went on to say that I appeal and wanted to see the proper statements to show that the money had been dispensed from the ATM and since then, I have been given the runarounds from the XXXX XXXX / Payfare company it has now been almost 2 months and the company tells me that there's nothing they could do because everything is invalid as far as time it's been past 10 days so there's nothing they could do. I got an email on the XXXX of XXXX from XXXXXXXX XXXX that said that they could not do anything and my case was closed. I followed up with XXXX XXXX XXXX today as of XX/XX/XXXX and was told that they have not had a ticket number or any dispute from Payfare about my case. So basically since the XXXX of XXXX I have provided all proper documents and done everything that the bank has told me to do and in return I don't think that they have done proper investigation to get my funds back. I spoke to a representative by the name of XXXX today at XXXX XXXX and he listened respectfully only just to tell me there's nothing that they could do and hurry up and hung the phone up and that was nothing else I could say after that. They told me the case was closed by XXXX the XXXX and when I spoke to XXXX XXXX XXXX they said the ATM statements weren't available until the XXXX of XXXX. I was also told by XXXX XXXX that the network ( XXXX ) provided the information for them to decide their case and not the ATM statements
07/30/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	TX 79106	Web
Dear CFPB I hope this letter finds you well. I am writing to urgently address a concerning issue regarding my Pay fare international debit card and the missing payment of {$830.00}, which has not been credited to my account. I have been a loyal user of the Payfare internationalXXXX XXXX debit card for approximately Six months now and have had a generally positive experience. However, since I recently started a new job and added the debit card as a payout method, I have encountered significant difficulties in receiving a payment. According to the agreed upon terms, the funds should be deposited into my account every Thursday at XXXX XXXX. Unfortunately, I have not received a payment this week. To resolve this matter, I have reached out to XXXX XXXX XXXX multiple times, ive reached out since Thursday XX/XX/2023 explaining the situation and expressing my concerns. However, each time I have contacted them, I have been met with the response to wait patiently, as they do not see any issues on their end. Conversely, my employer has assured me that the payment has been successfully processed and should have been credited to my account. I must express my deep frustration with Payfare international for not taking my concern seriously and not providing a satisfactory resolution. As a hardworking individual who relies on these payments to meet financial obligations, this situation has caused significant distress and inconvenience. I kindly request immediate action from your end to investigate this matter thoroughly and provide a prompt resolution. The missing payment of {$830.00} has caused substantial financial strain, and I expect it to be rectified without any further delays. I appreciate your prompt attention to this issue and expect a response within the next business day. Please reach out to me at XXXX or XXXX to inform me of the actions taken Thank you for your understanding and cooperation. I trust that PayFare international will prioritize this matter and resolve it in a timely manner. Yours sincerely, XXXX XXXX.
06/17/2022	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	NC 28081	Web
I am a consumer holder of a Payfare prepaid card. This card is used by gig workers who work for XXXX, XXXX or XXXX to receive their pay. On XX/XX/2022 at XXXX I received a text notification that my account had been breached and I called to report the fraud immediately and freeze the account. While on the phone with Payfare I watched in horror as my account was drained by unauthorized activity. Payfare will not help and said there is no way to file a dispute or a claim for these unauthorized charges. They said it's in their terms of service they are not liable for any fraudulent activity but that is not what my terms of service says. They just read from a script and hang up. The next day, on XX/XX/XXXX at XXXX they allowed MORE fraudulent activity to happen on this account after they assured me the account was closed. They allowed it to go into the negative and continue to be scammed of {$1300.00} even after I had reported the fraud the day before. I have done a lot of research the past few days and have discovered there are hundreds, if not thousands of consumer holders of the same Payfare card who have suffered the same fate with zero liability or recourse. Payfare is in violation of the Electronic Fund Transfer Act and several other consumer protections in place to protect consumers from this type of fraud. In almost all cases, like mine, the card is secure in my wallet and I have never used the card online this is a breach with Payfare and they will not take responsibility or abide by the law in allowing consumers to dispute fraudulent charges in any way. The calls are forwarded overseas where representatives just read from a script that we have no rights or recourse for this fraud and then they hang up. I have recorded phone calls and all documentation. There are so many victims this really needs to be investigated by someone or an agency who can advocate for our rights. Please help? Thank you
11/06/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	OR XXXXX	Web
I have a payroll card that someone on line got the information and did several unauthorized transactions. They total {$200.00}. I filed the complaint with the bank which is XXXX XXXX. I stayed in constant contact with them and explained to them multiple times that I wasn't able to find contact information on some of the company 's and I sent them in what I did get back from the company 's I was able to contact. Even though I was in communication with them and I sent in all my documents by the dead lines they placed on me sending them the information about the merchants. Well apparently that wasn't good enough and they denied my claim stating I did not send them in the form they sent me in the time frame they gave me, but I did send in the form but I wasn't able to get all the information and I clearly asked them for help and did not get any help on getting in contact with these places 2 places emailed me that I was able to reach out to and both said they couldn't find an account for me or the transaction and I sent XXXX XXXX those emails another company only had a number to call and they left a voice mail stating the same thing they couldn't find an account or the transaction. I didn't know how to attach a voice mail to email so that I was not able to send. But these were on my account and they are unauthorized transactions and I should be refunded for these. They were not pin code transactions they were internet ones and I contacted them as soon as I noticed them. Which was less then 30 days of them happening. The company denied my claim and now just hangs up on me when I call and I have not been able to reach a higher manager or anyone in regards to this matter. I did everything to my best ability and got them the information bas fast as possible and should be refunded for these fraudulent charges. I will also be filing with the ftc about this.
11/21/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85225	Web
I contacted the XXXX XXXX card customer support to file unauthorized transactions on two separate occasions now both times I will talk to very rudely and then hung up on after being told that they can't file these unauthorized transactions or anything they have no idea what they're doing and they provide no customer support whatsoever so I have a bunch of charges on my account to XXXX XXXX XXXX and to XXXX XXXX XXXX so with XXXX XXXX XXXX it's a online sweepstakes legal here in my state what happened is I kept getting solicited to play the sweepstakes and I did I made the purchases on there for the coins what not well last night I won over {$2000.00} and I went to cash it out and at first it looked like it was going good but then later on when I tried to login my account was terminated and I tried contacting support and they just gave me the runaround and now they will not communicate back with me so I was trying to file a dispute for these charges because I didn't receive the services actually I lost everything and this is when XXXX XXXX just absolutely hung up on me I actually filed an unauthorized charged last week for the XXXX XXXX XXXX those ones I didn't even make I have no idea who they are and immediately after I filed the dispute they came back on and told me that I was not going to receive any money back and again just hung up on me when I said no you guys under regulation e you have to at least attempt to investigate this they are the most unprofessional rude people I've ever met and I can not I will never do business with them again there's about {$400.00} worth of charges on my account from the XXXX XXXX XXXX and another {$75.00} from the XXXX XXXX XXXX I need all of that money returned I did not receive anything for it if anything I lost several thousand dollars to these to this sweepstakes paper needs to make this right and
11/03/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Trouble using the card Trouble using the card to send money to another person	MI 482XX	Web
XXXX XXXXPayfare cant or wont help!! Last night I tried to transfer money to my XXXX XXXX card. It was about XXXX XXXX. It said bank declined on the first transaction. I kept trying to no avail. Customer service said I had to wait until the morning to call the specialists. I did that and was told my card was locked for 24 hours with nothing they could do. Waited until about XXXX XXXXXXXX and the card still isnt working. Called customer service with the call hanging up 2 times from their end and was on the phone for an hour and a half all to be told again to call back to speak with a specialist in the XXXX Im so upset. My whole paycheck is on this card and it wont work! Now my rent and every other bill will be late because they cant lift the hold or even fix the issue! I spoke with over 6 people tonight! Between calls hanging up and being transferred nothing was done! My money is still just sitting! I tried to make an XXXX purchase and that was also declined. They keep saying I tried to do too many transactions on XXXX XXXX yet it declined on the first try! Ive had another issue with them before with this locked card mess! Im so over it and Im upset. I cant even get gas and Im on E simply because they have somehow locked my card for 2 days now and I cant use my money!! Theres over XXXX in the account and I cant touch it and they keep saying its being escalated. This is the XXXX XXXX pre paid card and I would not recommend at all! Customer Service isnt good at all! After being transferred multiple times the phone hung up twice! Ive never had an experience so bad with a company! Im also going to try to call corporate because this is ridiculous. Called at XXXX XXXX and didnt get off the phone until almost XXXX! Have to be up for work at XXXX, but was waiting on this imaginary 24 hour hold that never lifted at XXXXXXXX XXXX when it should have.
01/10/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MA 02050	Web
I was stopped while working and asked to verify my identity to continue working. The man said his name was XXXX and worked for XXXX and gave me a badge number. He said they were having problems with premium XXXX having relatives work for them and it was a contract violation. He told me to stop the delivery I was on and verify myself. He paid me thru the payroll app a cancellation fee for cancellation of my delivery he then canceled the delivery. He had personal information about me and my working statistics. He asked me for a code that I received via email. He then would not let me work until I provided this code to him. He was using the pause your XXXX function through the XXXX app. He paused my XXXX XXXX separate times preventing me from XXXX. I thought I had to give him the code to keep working and he said he needed it to pay me another fee. After I gave him the code he changed the phone number in my XXXX direct account and issued a virtual card to himself and spent {$1300.00} in funds. I immediately tried to stop this by changing the phone number back to my own number and the guy had hacked my email address stopping me from receiving emails until I kicked all users off my session and then I received all the emails I was not getting. Those emails were the second step of authentication for me to change the phone number back. When I was able to get XXXX support on the line they secured my account and reissued me a card to stop the account from being used again fraudulently. They said I had to dispute every charge and submit it to them and it would take 60 days I have waited and to no avail. They were trying to secure a one time payment from pay fare back in XXXX and I was then told to wait for pay fare to call me back. I havent heard a thing from pay fare about this matter. This all happened XX/XX/2022.
06/21/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MN 55303	Web
On XX/XX/XXXX I got a text message saying that the email on my account has changed and if it was not me give them a call. So I call them as soon as I seem the text ( within minutes of receiving it ) the employee that was on the line told me the bank was closed Sunday and there was nothing they could do till Monday. While I was on the phone with him I started receiving notifications about large transaction coming out of my account I asked him if they could atleast lock my account to avoid these transactions. He responded with no that they would have to let them go through and couldn't do anything to stop more from coming through until the next day and then I'll have to report them as unauthorized transactions to get my money backbecause again the bank is closed on Sunday. The next day I call them back they change my email back and phone number so I cam access my account by then every dollar I had in my checking and savings account was completely gone ( around {$720.00} ) I then told them I wanted to report these as unauthorized transactions then they started giving me different reasons why they are not liable for these transactions and I can not get my money back. I asked them to tell me where to find that under their legal cardholder agreement and when I read to them the parts they tried to point out and showed how that would not apply to this situation they would then hangup on me. I've called multiple times and have gotten multiple different answers on why they are not liable for these unauthorized transactions with the end of the call almost always being hung up while I was trying to get more I formation. I have filed a police report on some of these transactions where I've been able to locate the city they were done in.the company that this was through was XXXX/payfare.
11/20/2022	Yes	Checking or savings account Checking account	Managing an account Banking errors	CA 923XX	Web
I currently work with XXXX XXXX XXXX XXXX. On the XXXX of XXXX i finished my XXXX XXXX XXXX XXXXXXXX. Went to a gas station and bought gas. My balance from that was : XXXX XXXX XXXX At this point my account did not reflect the difference of XXXX I continued to work and ended with an additional + XXXX I also added XXXX from my attached savings account. So at the end of this session i should have had XXXX + what was already in my account. I sent XXXX which brings my new balance to XXXX But at this time i had a balance of XXXX Which was in there already. The XXXX was processed the next day But still that doesnt reflect the difference in the initial deposit minus the gas purchase, with the additional dashes theres still a difference. I spoke with XXXX that night they said they see missing funds on their end call back tomorrow. No this is this XXXX i called back she says there still processing it try back tomorrow. Now the XXXX i call back and speak with a gentleman that went thru the transactions from that XXXX till now and it was his determination that XXXX was missing. He transfered me to payfare which is XXXX payment processor. The 1st woman i spoke with tried to only address todays activity on my statements. Soon she put me on a hold and the phone magically disconnected. Ok just my luck i attempted to call back got in touch with a new gentleman that slightly went thru the statements and told me that i was XXXX fault call them back and get your money. I aske to speak with a senior customer service representative and he proceeded to overtalk me and hung up the phone... This complaint arrouse from payfares and or XXXX negligence to actively locate my funds. Someone is playing games but im XXXX this type of activity is illegal.
04/04/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MN 55057	Web
Since a new ATM replaced the broken one at a FREE ATM location at a XXXX in XXXX, MN the XXXX XXXX debit VISA card has been charging me an ATM fee of {$2.00} for the 4 times I used it despite it saying its a free ATM and it never charged this before the machine was replaced. XXXX XXXX has only reimbursed me once so I am still out {$7.00} and they refuse to resolve this. The employees are extremely rude and just say they wont fix it and then just hang up on you over and over again. I filed a complaint with the XXXX XXXX XXXX, but they claim its out of their scope without giving reasons why. There should be a class action lawsuit for defrauding customers, stealing from them and committing bank fraud. I reached out to the XXXX ATM regarding this ATM charging a fee when it is supposed to be a free ATM and while they said they would send someone out to see if it needed an update to resolve such an issue, the issue was never fixed and it is still listed as a FREE ATM and it is still charging me {$2.00} every time I use it. On XX/XX/23 I was charged a {$2.00} ATM fee at this FREE ATM & on XX/XX/23 I was charged a {$2.00} ATM fees at XXXX free ATM in XXXX and again on XX/XX/23 XXXX card provided by XXXX XXXX and sends the money I earn to this debit card charged me a {$2.00} fee when the XXXX app says this is a FREE ATM. The company is impossible to work with and have no desire to follow through on their promise when an ATM is supposed to be free nor any desire to fix the problem going forward for this not to keep happening?! Its so infuriating and frustrating and false advertising fraud! Its theft, thievery!
07/31/2023	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	GA 30093	Web
On XX/XX/XXXX I tried to make an ATM withdrawal from XXXX on XXXX XXXX and was told I have insufficient funds the amount was for XXXX along with the {$2.00} that Payfare charges this all came off the card. It is XX/XX/XXXX and I have only been given the runarounds and going back and forth with this company about my money. I have filed a complaint only for it to be closed out. Payfare says i withdrew money from an atm XXXX XXXX XXXX which is incorrect. This company has failed to provide original documentation of ATM statements including statements from the alleged ATM they say I withdrawed from. This company has given me run around since the XXXX of XXXX, after 30 days of me complaining to them I had employee at XXXX direct/Payfare tell me that the refund is being processed and it would take up to 60 days but give it 30 days and this is all on recorded phone call. I called to follow up on the refund status because I was told from an employee that it would be ready in 30 to 60 days. I suggest look into voice calls as well with this company I have called over 15 times to resolve this matter and been hung up, employees will not let me talk they talk over me right before they hang up so it's just been all downhill for this company. I have done everything I was supposed to do from the start on XXXX the XXXX and have got nothing in return. However the company return an altered email that was not from the official bank statement or ATM statement of the ATM. They sent me a chart that looks like it had been typed in and highlighted which is not the official paperwork for transactions on ATM statements.
10/07/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30076	Web
My name is XXXX XXXX. On XX/XX/2023 from about XXXX - XXXX, I was a XXXX store on XXXX XXXX XXXX XXXX to get a money order for my rent. I was trying to split the payment between two debit cards. My XXXX bank debit card and my dasher direct payroll card. At the first attempt, the transaction was declined because I needed to put in the exact amount on both cards. Before I had the cashier cancel the transaction to rectify the issue, I received a message from XXXX XXXX that the sum of {$630.00} the total amount of money I had on the card, has been deducted from my account. After the cashier cancelled my transaction, the balance on my XXXX XXXX card was restored however my dasher direct payroll card remained {$0.00} After calling XXXX and XXXX customer service to rectify the issue unsuccessfully, I decided to try the transaction again and it was declined due to insufficient funds on my dasher direct card. I spent the rest of the entire evening calling XXXX customer service and XXXX because they both kept on putting the blame on the other. While the store was at least able to tell me that it takes between 48 hrs for regular credit/debit cards and up to two weeks for other types of cards, the doordash agents insisted that they could not verify that because the transaction is seen as being " posted '' on my account. Please find attached copy of the receipt of the first canceled transaction that occurred at about XXXX.
10/14/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 43229	Web
Payfare/XX/XX/XXXXXXXX locked my card for security reasons ( incorrect pin or CVV entered by me, the cardholder ), however the card continues to be locked several days past the 24 hours they said it would be locked for. This has happened several times, causing me to lose access to my funds for bills and purchases. They typically ignore calls and emails, and unlock it when they get around to it. When they do answer my calls, they assure me that my card is not locked and that I should try it somewhere else. However, when I take their advice and attempt to make a purchase, it is still locked. I emailed them a couple days ago letting them know that if this continues, I will need to file a complaint with Consumer Finance Protection. Today ( XX/XX/2023 ), I called about a half hour ago, and they told me it would be unlocked at XXXXXX/XX/XXXX tomorrow. They encouraged me to try making a purchase then. However, immediately after our phone call, I saw they deactivated my card entirely, and restricted access for me to view my virtual card and my account number and routing number. So I called them back and explained this, and the representative gave me no legitimate explanation. The representative told me she will make a ticket to escalate my request and to wait for a call from Payfare. Ive been told to wait for a call from them several times before, and never received a call.
03/08/2023	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	MO XXXXX	Web
I transferred {$300.00} FROM my XXXX account to an external account on XXXX, confirmation # XXXX, and it still isnt showing up in the other account as of XXXX, but it WAS taken out of my XXXX account on the same day I made the transfer. XXXX made first call, was told to wait 3-5 business days. XXXX made second call, was transferred from person to person, until finally a member of their executive team spoke with me, and said I would be receiving an email regarding trace # XXXX, Ive yet to receive said email. XXXX called again, transferred multiple times, then finally to a member of their executive team, to be told theyd look into it. XXXX still no email re trace number I was given on XXXX XXXX called again, spoke to XXXX at XXXXXXXX XXXX via live chat. He then phoned ME at XXXX. Assured me that he would send an email. XXXX received an email from XXXX with a reference number of XXXX, and a request to reply to that email with a screenshot of the trace number that I was given previously. I replied to that email, explained again that I was never sent an email regarding a trace number, that the trace number was given to me via telephone call. I included the trace number, along with a copy of the confirmation I received on XXXX when I originally made the transfer. XXXX called yet again to try to get this matter resolved, and still nothing.
01/30/2023	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	AZ 85747	Web
I have the XXXX XXXX card. Last week, there was a transaction for {$78.00}. I was notified right away about the transaction. I called XXXX support and they told me to call the gas station in Florida where this was made ( I live in Arizona ). I called the gas station, they said they can not cancel it because it was online, blah blah blah and told me to call XXXXXXXX XXXX. I called XXXX back. Got transferred a couple times, and then was told the transaction was cancelled and I would be getting my money back within 24 hours. Of course, I called back today, and now they are saying it was made with XXXX XXXX, and it is my fault and they will not give me my money back. But here is the biggest issue. I JUST got that card like a week before this. I NEVER EVER used this card, I never put the number ANYWHERE. I was saving the money on that card for my trip coming up, I was leaving it there and not touching it. The ONLY way someone could have gotten this card number was from XXXX employees. I can not be the only one that has had this issue. I need my money back this is an AWFUL business practice and something needs to be done!! I called them right away, so they had plenty of time to cancel this order before the thief even had time to get the items they ordered. XXXX XXXX and XXXX XXXX XXXX should be fined for doing this to people!
09/23/2022	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	MA 012XX	Web
I made a XXXX grocery delivery order on Sunday XXXX XXXX. Some how the app glitched and still took my payment. XXXX had no record or my order and issued a refund. Still hasn't posted to my account. XXXX said the money should be available to me by now, it cleared their program and bank 2 days ago. This is not the first time this has happened to me but with first time with my XXXX card. Powered by XXXX and issued by XXXX XXXX. I called XXXX support and they told me Monday and then I questioned that and they said I have to wait for it to fall. The first time I waited 10 days. I have another card issued by XXXX XXXX and have zero issued with this card. I feel this program for XXXX is holding the money longer and it's not theirs to hold. Called XXXX support and keep getting a script for them all. They have done nothing for me on the first issue and nothing on the second. They should be audited for fraud! I have also made a formal complaint with XXXX XXXX in the phone and in writing. I need my money and they are holding it illegally. I can not see anything on the pending transaction except pending and the date it was made. Note : XXXX and XXXX XXXX have been doing an awesome job working with me. This complaint is for XXXX by XXXX.
05/28/2023	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	TN 37415	Web
My XXXX XXXX card was used for a purchase of {$99.00} on XX/XX/2023. I only had {$40.00} on my card when this happened. I don't see how this even went through but it did and caused the account to be overdrawn by {$59.00} and some change. I called XXXX XXXX as soon as I saw the charge when I woke up on XXXX XXXX XXXX, 2023. They claimed to have started a claim to get my money back onto my card. I then received a notification that the charge was declined due to insufficient funds so I thought it would be remedied. However, it wasn't. I had to borrow money for gas and work my way back into the positive in order to make money. Since then I've called XXXX XXXX about 20 times trying to see when my money would be refunded. I've been hung up on numerous times, laughed at by different customer service reps and deliberately mislead and been given the number for XXXX XXXX Corporate Office in XXXX. On my most recent call the other day, I was informed there was no record of my having ever called about it. What the heck is going on with this company??? Please help me. FYI, my physical card was not lost or stolen. And also, I've never been able to spend one penny more than what is on the card. Thank you for your attention in this matter.
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	AK 996XX	Web
on XX/XX/2022 my account was charged with out my consent for {$45.00}, XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX several attempts were made via XXXX XXXX and was unable to even report the the bad charge. On XX/XX/XXXX I received a reference number for this charge, XXXX then these charges without consent showed up : XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$0.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$7.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} XX/XX/2022 XXXX XXXX XXXX {$2.00} On XX/XX/2022 I was issued another reference number in efforts to resolve these bad charges, XXXX. This reference number included the following two charges without consent that were still pending and not posted : XX/XX/2022 XXXX XXXX XXXX # {$45.00} XX/XX/2022 XXXX {$35.00} On XX/XX/2022 I spent more than an hour on hold and in direct contact with the company involved, then the call was cut. I need this resolved - money was stolen from my account. I found this site to issue a complaint, and did so.
04/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 488XX	Web
Today I noticed that there were several unauthorized charges on my XXXX XXXXt visa pay fare card through stride. One charge was posted today XX/XX/23, {$5.00} from XXXX XXXX There are also a series of charges listed as pending from several other online merchants, starting with XXXX XXXX XXXX for {$29.00}, XXXX XXXX XXXX for {$28.00}, XXXX XXXX XXXX for {$2.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$7.00}, XXXX XXXX XXXX for {$1.00}, XXXX XXXX XXXX for {$1.00}, and XXXX XXXX XXXX XXXX for {$1.00}. I suspect there may be two possibilities as to how this happened, the first being that my card was skimmed at a local gas station or restaurant as I visit them often while working as a XXXX. I also did some research on XXXX XXXX and found that my password to the virtual wallet had appeared in a data leak and was at a high risk of being compromised according to apples password page, which I was never notified of. I contacted the XXXX support team, which is a subsidiary of the XXXX XXXX XXXX, and they told me they issued a support ticket for my issue and someone would contact me in 24-48 hours, although unfortunately there is no one available on weekends so Ill likely have to wait until Monday.
03/16/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	KY 40219	Web
On XXXX XXXX I logged into my bank account and noticed I had 4 transactions on my account that I didnt do. The first transaction I noticed was at a XXXX in XXXX Florida for {$50.00} the next three that I seen were done at XXXX there were two purchases for {$10.00} each and the fourth one was also done at XXXX for {$50.00}. I immediately locked my card and contacted XXXX XXXX which is part of a company called Payfare that is used by XXXX to instantly get paid. I answered all the questions they asked explained to them that I looked up the XXXX and the store number And that it said it was in XXXX Florida and that I am located in XXXX Kentucky. They put me on hold for a while and when they came back asked what kind of phone I have and I told them I have an XXXX they then again put me on hold and when they came back they said that since I have an XXXX and my card had been added to XXXX XXXX that they arent liable For the unauthorized transactions. It is my understanding that being a bank my money is covered by the FDIC and since they were unauthorized transactions the bank should have covered the money that had been spent without my permission
03/20/2021	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 94606	Web
Dear Staff at CFPB, I experienced fraudulent transactions on my XXXX Mastercard which happened on XX/XX/2021 while I was asleep. I'm a currently a XXXX driver and I use their card that they provide to drivers. It is a Mastercard through XXXX XXXX which XXXX use for their drivers to get their money to be deposited to their card after every ride. I have filed and call on multiple occasions for the amount of {$1000.00} to be refunded back to my account and they are refusing to refund me on time. They kept mentioning investigation takes 60 days through the XXXX compliance team before they can refund me, and it's been since XX/XX/2021 and it's XX/XX/2021. Those chargers were not made by me and I XXXX search the merchants myself and they don't exist at all. They mailed me a new card but I have not get my refund back yet. I found out through their representatives that their financial institution is not FDIC insured. Those fraudulent transactions were made by a merchant called ( XXXX XXXX ) Merchant name : XXXX XXXX : {$6.00} {$220.00} {$6.00} {$220.00} {$16.00} {$540.00} XXXX {$1000.00}
01/15/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72015	Web
On XXXX XXXX 2023 I tried to buy a drink and get XXXX dollars XXXX at XXXX using my XXXX direct Debit card. The debit card is provided by XXXX through the company Payfare for earnings and debit usage. The XXXX took my entire purchase of {$37.00} off my balance and didn't give me anything. The XXXX XXXX named XXXX made sure that XXXX didn't have the money and tried to talk to XXXX on the phone to explain and they hung up on her. I've been trying nearly everyday to get help and they keep hanging up on me. I'm homeless, and XXXX is an anti-American scam used to persecute poor and disabled people. XXXX XXXX to me, XXXX XXXX to be held under water .... Then stolen from in early XXXX. XXXX years now. I've never had disability assistance for a severe XXXX that I've asked everyone for help with. So, homeless I have to eat bullets at the rate of {$37.00} dollars a pop or more... Not to mention last XXXX jobs I attained stole from me before making it to the end of the first pay period. You all drown XXXX people 's. Worst of all, I was XXXX by child abuse from doctors and society .....
08/17/2022	Yes	Credit card or prepaid card General-purpose credit card or charge card	Trouble using your card Can't use card to make purchases	MI 48207	Web
My card is declining whenever I try to use it as a debit but goes through as credit. Today I'm trying to make an online purchase and the bank keeps blocking it " for my protection '' ( according to the payfare representatives ). I've spoken to several representatives and I've verified my account info several times over to prove it's me. I eventually asked for a supervisor and was transferred to who I later found out was NOT a supervisor so I asked for a supervisor again. This time I was told the supervisors are busy assisting other callers and was refused further help. So other customers are more important then me? Instead of unblocking the transaction, the representatives just keep repeating " this transaction had been blocked for your protection, please use another card, I will be disconnecting the call '' and then they hang up on me. Well my hard earned money that I worked for is on this card, this is the card that I use for fun purchases, and the bank does not have a right to hold it hostage! Stop blocking my transactions and actually provide your customers with service.
12/23/2021	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	IL 60620	Web
I originally used my virtual card provided by XXXX XXXX for XXXX XXXX XXXX XXXX to purchase what was supposed to be one item for XXXX. The company charged me an additional XXXX dollars for an item I did not authorize nor approve. I tried reaching out to the merchant several times just to be forced to deal with spam bots and robo dial systems that do not allow you to reach an operator. I also email the company and used their internal contact us form. XXXX XXXX claimed that they were not going to process the refund nor a dispute because I authorized the first transaction for the XXXX even though the other XXXX dollar transaction was a fraudulent unauthorized transaction I immediately tried to flag and also contact the merchant for. XXXX XXXX refuses to process a dispute or refund for the charges. I have already contacted the merchant and still have not received any product from their company nor official response. The number provided for the company is a robo system that hangs up on you no matter what time you call and it says you have reached them outside of business hours.
09/15/2023	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 34953	Web
I had an unauthorized transaction take place for {$51.00} from XXXX on XX/XX/XXXX XXXX. To preface : I used to have a XXXX account but had cancelled my plan with them due to the horrendous service ( avoiding questions pertaining to plans, service outages/lack of service etc ) I was experiencing alongside a high phone bill ( Which was {$120.00} per month... not {$51.00} ). All in all I currently have XXXX as my cell phone provider and have a subscription/BALANCE with them and only them. I communicated with XXXX direct support in an effort to have a dispute in place yet they hung up on me 4 times upon my request. They had refused to acknowledge my concerns, and followed the same script each and every time. When I press questions and voice my concerns of the charge they say that no matter what they're unable to do a dispute. Their behaviors in ignoring my concerns, telling me that the charge will stay, and HANGING UP on me while I speak with them is horrible. My issue is with XXXX ( which is powered by XXXX )
11/14/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	MD 207XX	Web	Servicemember
On XX/XX/2023, before XXXX XXXX XXXX XXXX I noticed two unauthorized ATM withdrawals from my PAYFARE checking account. The first unauthorized ATM withdrawal was for {$100.00} and the second unauthorized ATM withdrawal was for {$2.00}. I immediately locked and cancelled my debit card and contacted PAYFARE via phone number XXXX. I was instructed to fill out and submit a dispute form immediately, which I subsequently did the same day. I was also instructed to order a replacement debit card in which PAYFARE charged to my account for {$5.00}. During the phone call, a PAYFARE representative informed me that I would be contacted within 1 -2 days with a resolution. This didn't happen. I called on XX/XX/2023, to ascertain a status update in which the PAYFARE representative gave me a pending status. PAYFARE has disregarded my complaint and dispute. PAYFARE has also disregarded the fact that these transactions were ATM thefts. I now believe that PAYFARE is responsible for these two unauthorized ATM transactions.
01/07/2023	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	CA XXXXX	Web
XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX On XX/XX/2023 I had cashed out to get some gas and another item. I go to use the card and it was declined. I tried to use the card again and it was declined a second time. both times at the cashier not at the pump. I called customer service to find out why my card was declined. Customer service blamed XXXX XXXX and the XXXX XXXX blamed the card company. After a very long wait I was told everything was worked out. I logged in to check my balance to finally continue with my purchase and there was a charge - & XXXX which did not make sense because the purchase should have been around XXXX that I did not receive items for. At this point I called customer service again. This time I was told there is nothing they can do and the money will be refunded to my account in 24 hours. This card company basically stole my money and have yet to receive my money back. Very strange the amount stolen from me is a higher amount than what the decline purchase would have been.
04/17/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	NY 14420	Web
I have been attempting to receive my XXXX card since XX/XX/XXXX. I have called the XXXX ( Payfare ) Customer Service and received the runaround for two months being told to just keep waiting for the card. At the beginning of XXXX I was advised that a card was sent to me in XXXX even though I did not authorize an account until XX/XX/XXXX. I looked back at statements and yes they opened an unauthorized account that never had funds deposited in XXXX. Today I called and was told by first representative to wait longer for my card and they had no way to track. They then transferred me to another call center where I was told I never ordered a card and it would take 2-3 weeks to receive a card. I am going on a trip XX/XX/XXXX and need the card to pay for hotels and rental cars, two weeks would be fine, three would not. I asked for a supervisor and was told no. The representative placed me on hold came back and said no supervisor available and they were done with the call and hung up.
11/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AZ 85225	Web
No they were not properly denied and your team there at XXXX XXXX is horrible under regulation XXXX you can not do this I did not receive my service for these purchases and the company is not making it right so therefore as the card that I used to do it you have you under regulation you have to do something about it the company that I made the purchases to did not provide me the service actually they ripped me off for all of my money over {XXXX} which is under the law something that you guys have to help me with you can't just say no like I said in the original text I know that they passed purchased and everything else I made the purchases but then the company did never gave me the stuff and then they took all of my money oh my god dude you guys are ridiculous man under the law I didn't receive my service and you have to do something about it you have to allow me to dispute these charges you can not just say you have to contact the company no this is a debit card
05/17/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	NJ 08854	Web
On Saturday XX/XX/XXXX I went to use my XXXX XXXX XXXX that had money in it from XXXX that same day. When I went use the card it kept declining for unknown reasons. I called the customer support number I was given from the app. I spoke with someone on XX/XX/XXXX and was told that my complaint would be sent up to the specialist and would be cleared up within 24hrs. I called back XX/XX/XXXX and was told that no one could help me resolve my issue and that a specialist would have to help me but they werent able to transfer me to a specialist. I was told I would receive a email notifying me about when everything will be cleared and I never received one. I only received a email giving me my claim number. Ive tried calling the customer support number multiple times since then and was unsuccessful with getting through to anyone. Its now been 5 days and Im still unable to access my money.
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	PA 19124	Web
I used an atm located at a XXXX XXXX in Philadelphia on XX/XX/XXXX I use XXXX through XXXX they say they use XXXX XXXX an XXXX XXXX uses pay fare Atm is run by XXXX Atm malfunctioned the withdrawal was supposed to be for XXXX money never came out of machine and I was still charge XXXX I made a complaint against XXXX with the XXXX XXXX XXXX an let bank know what happen so they can file a regulation E Atm company responded to me on XX/XX/XXXX an approved claim I let bank know but they never responded to me I email them Constantly no response I sent them screenshots showing the approval just frustrating because they say they say they dont take calls over the phone for this type of situation they only take emails Ive emailed them plenty of times and have never responded back to me XXXX said money shouldve been in my account 5-7 days they are very Unresponsive and very unprofessional
02/26/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92543	Web	Servicemember
The new card sent from the company was sent to the wrong address and I was being charged alot of unauthorized transactions on my account while not having the card in my possesion. All transactions from XX/XX/XXXX up to XX/XX/XXXX are all unauthorized. I contacted the company already and haven't gotten any response. It all started from XX/XX/XXXX all the way up to XX/XX/XXXX. All my money is gone and I need that money. Below I attached all the unauthorized transactions that I did not get a credit for and all the one 's that occur this month. The name of the merchants/company charging my account are XXXX all the transactions from XX/XX/XXXX up to XX/XX/XXXX. I still do not have access to my money and the card they were supposed to sent to me and I was charged without my knowledge. The total unauthorized charges on my account is {$4300.00} including the new ones and the XXXX.
05/18/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	OH 431XX	Web
Atm didnt dispense the cash requested it was out of cash and was down for several days after I contacted all point the company which operates the atm machines and they said the funds should return within 24 hours and that was 5 weeks ago I contacted them again and they said it was in the banks hands now and they simply needed to reverse the transaction so I contacted payfare/XXXX XXXX and they at first tried to put it on the atm owner and then after I told them what the owner said I had to fill out the dispute form which I did and was then instructed it would be 60 days and there would be no provisional credit now I know what regulation E is and they Claim this doesnt matter to them but 60 days is not acceptable now they have become very rude disrespectful and very unprofessional and hung up on me now they want answer my calls or emails and are completely ignoring me
02/28/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92543	Web	Servicemember
My previous complaint that I sent was there was additional charges on my account and they just disregard. They said the transactions were all authorized and made by me which wasnt. Attachment below is their response to my email. I have never once used XXXX XXXX because its too risky for my just having my card just added to sone mobile phone. I do not know who had access nor had my card at the time and they were able to access it. Now Im being blamed for my card being sent to the wrong address. I couldnt even lock my card from the app until its been activated and still now I still dont have the card that they were supposed to send. When I talked to one of the customer service about the fraud they had me update my billing address so its not my fault to have my card sent to the wrong address. They also had my account closed for no reason. I want my money back.
04/16/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MD 21702	Web
I am supposed to receive free atm withdrawals if i go to specific atm locations listed in the XXXX app. I am always certain to make sure I only go to free atms. I went to the atm at the XXXX location listed in the XXXX XXXX app at XXXX XXXX XXXX in XXXX, MD, and was incorrectly assessed an ATM fee by XXXX XXXX. I called XXXX XXXX 4 different times requesting this fee be refunded. I provided screenshots of the atm listing in the app, as well as photographs of the location and actual ATM itself. Despite all of this proof that the fee was incorrectly assessed, I have not been able to get my {$2.00} refunded to me. Attached are photographs of the ATM, the XXXX location, the screenshot from the XXXXApp with a map pin showing where I am and that it is a free ATM, and a copy of the card agreement which says that XXXX ATMs are in-network and free.
05/20/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	WA 98532	Web
On XX/XX/2022 at XXXX XXXX XXXX Time I received a notification {$75.00} had been withdrawn from my XXXX XXXX account @ XXXX XXXX at XXXX XXXX XXXX. At XXXX XXXX a second attempt to withdraw {$75.00} was made but there was insufficient funds in my account from the same XXXX. I was at home at the time with my debit card in my wallet. My debit card must have been duplicated and the pin number stolen when I used an ATM. I have never been at XXXX XXXX at XXXX XXXX XXXX I filed a claim with the company that handles my checking account and debit card for the {$75.00}. They denied the claim since " the physical card and pin were used ''. It is common knowledge that debit cards can be duplicated and pins stolen. I believe it is federal law that banking institutions MUST reimburse customers if funds are stolen using a debit card.
04/12/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	AZ 85374	Web
I already filed a complaint and the company claimed I did not attempt to reach out. The attached photos show the NUMEROUS ATTEMPTS! In todays call, the representative stated a balance that was NOT ACCURATE! I have screenshots showing such. He stated yesterday morning I had a balance of approx {$54.00}. As shown in the photo which shows the time, it was {$47.00}. Had the rewards been credited it WOULD HAVE been that amount. However, it was not credited. Additionally, prior to working I had {$28.00} before spending {$20.00} on gas. I earned {$9.00} which should have raised my balance accordingly. It did NOT! A simple review would show this company is lying not only about me contacting them, but about the missing money! These calls are recoded and will show the complete careless accounting and interest in rectifying the situation.
03/29/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Can't stop withdrawals from your account	MA 02050	Web
I was charged {$150.00} on XX/XX/2023 and {$50.00} on XX/XX/2023. These were charges for incidentals at the XXXX. These were supposed to be returned within 7-10 business days and I have spoken to my bank and they assured me the funds would be released on XX/XX/2023 for the {$150.00} charge and XX/XX/2023 for the {$50.00} charge. The hotel claims they already released my funds. However they still remain as pending charges on my account. I have called their corporate office XX/XX/2023 and I was supposed to hear back on XX/XX/2023. I called again and was told to wait until XX/XX/2023 for a response and still nothing. The accounting manager emailed me saying he can not help me they have no access to my account. The fact is the XXXX is still holding my {$200.00} until XX/XX/2023. This is beyond a 7-10 business days policy.
01/01/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	CA 95003	Web
On XXXX XXXX I received an email stating a temporary 24 hour block had been put on my XXXX card. The block was not removed after over 24 hours. Contacted support and they said they could not fix it because the department who could was not in the office. The email stated to call support to have the block removed but did not list specific hours you had to call during. Was told someone would call me. They did not. I called multiple times and was given conflicting information about the appropriate departments hours and was again told no one could help. The initial claim of a 24 hour block was a lie and the solution in their email was also a lie. I can not access my earnings and earnings were not deposited ( which per the email should not have been affected ) The company has lied to me and is withholding access to my pay.
07/20/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	CO 80631	Web
Unauthorized transaction on XX/XX/2022 XXXXXXXX XXXX charge {$120.00}. Contacted door dash. Completed steps required. Filed police report, canceled card ( same day ), filled out unauthorized transaction report ( in XXXX doc format not word or pdf ) emailed information back. Claim was denied because form wasnt sent in pdf or word format. Agent was unwilling to assist over phone saying email is only option. XXXX XXXX/pay fare unwilling to assist in lawful manner. Suspiciously at the same time door dash had a nationwide problem with their credit processing system resulting in customers getting free food. I believe my problem may have to do with that, but any questions regarding that were stonewalled by agent. Tried with XXXX XXXXpay fare over phone for collective 7 hrs without proper assistance.
04/28/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	OH 435XX	Web
I was using my paycard to get a XXXX subscription and it wouldn't process the payment and when they seen activity on the account with my XXXX XXXX prepaid card they suspended my card for suspicious activity when it was me the entire time and now I can not use my card and now I been calling for the last two days stranded without access to my funds and every time they keep doing the same thing over and over telling me they have to submit another ticket to solve the problem and nothing happens and keeps saying and doing the same thing over and over with no way to contact the bank to even get the account unlocked they keep spinning me into the same unresolved issue and nothing is being done I'm tired of this back and fourth with nothing and no real customer support to resolve the matter
02/23/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MN 55433	Web
Hello, this is my 2nd complaint. I was hung up on by doordash support, you guys said that you have no records and that would make sense as they hung up on me and couldnt take my complaint. Payfare support has not been helpful either. I would appreciate a customer service representative or equivalent to see this, it has been impossible to reach doordash support, someone gets on the phone just to either not understand or say they cant help with the complaint. It is {$53.00} charged off of my card that was supposed to go to bills, I would appreciate this to be fixed as I have been trying for over 10 days. The charge was XXXX to XXXX, a company I have never heard of and when I look into it scams seem pretty common. I would appreciate any help, I just need my money back.
07/07/2022	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PA 15068	Web
On XX/XX/XXXX i tried to use my payfare atm card at a XXXX XXXX XXXX atm. The atm malfunctioned and didnt give me any money but the {$440.00} i tried to take out was still debited from my account. I filed a dispute with payfare and contacted XXXX. On XX/XX/XXXX i spoke to XXXX again and they said they recieved the dispute from payfare and that the atm had malfunctioned and they sent the money back to payfare. The money still hasnt been put back in my account yet. XXXX rarely responds to emails and only says it can take XXXX days which is unacceptable considering the other bank already returned the funds. When i call payfare to get a live update they just tell me it can take XXXX days and hang up on me with no real update
10/02/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	CA 90025	Web
I had an unauthorize transaction in my XXXX account, managing by Payfare on XX/XX/2023 for XXXX dollars. I called to support and they said that they were going to cantact me. I was waiting for more than 20 days and nobody called me. I called again and they said that because of the time that passed they weren't able to solve the problem and that I had to contact the store to fix it. I change my PIN number because they did not want to send me a new card, they said that I needed to pay for replace my old XXXX XX/XX/2023, I had another unauthorize transaction for XXXX dollars, this transaction was in IA and I'm living in a different state. I called again and XXXX times they hanged the phone.
04/16/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	AZ 85374	Web
On Sunday, XX/XX/2023 I had completed a XXXX and earned {$9.00}. This amount was to be deposited immediately, however it was not deposited. I contacted the company at XXXX and was transferred to a man in a different department when the first representative saw my earnings and stated they were NOT deposited into my account. The second representative claimed that it was posted, however when I told him what the previous rep said and that I had screenshots, he said he would look into it further and put me on hold. After 54 minutes, he never came back onto the call and forwarded me to the after call survey. The screenshots below show the failure to properly credit my account.
02/03/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92543	Web	Servicemember
I work for XXXX as a XXXX and ever since I got the debit card issued by the company, there's been a lot of charges on my account on different days and months. Specifically XXXX XXXX and XXXX. The debit card is issued by Payfare. The application name ( bank name is XXXX ). This has been going on for too long now. I tried contacting the company about it multiple times and they have no response at all. Too much charges has been taken out of my account that I did not authorized. I also contacted the card issuer and they said they will look into it and will give me reimbursement for all the money taken out but they never did. I also attached the email sent from XXXX support.
01/06/2023	Yes	Checking or savings account Other banking product or service	Managing an account Problem making or receiving payments	PA 19401	Web
I have been refunded by XXXX on XXXX transactions. # XXXX : {$18.00} # XXXX. XXXX # XXXX. XXXX # XXXX. XXXX. XXXX has already opened a case and closed it because they confirmed the refund was returned on their end and completed I have the XXXX transaction ids they have provided : ID : XXXX ID : XXXX ID : XXXX ID : XXXX I have contacted pay fare from my XXXX XXXX XXXX and have not gotten any help or they do not know how to look these transaction IDs up and my money is lost in the air since XX/XX/2022. Last representative I talked to on XXXX XXXX at XXXX XXXX even hanged up on me as I was asking for more phone numbers to reach the bank.
12/13/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to pay a bill	GA 30096	Web	Servicemember
Ok I recently worked many hours with XXXX XXXX and when I was paid my earnings was transferred to their XXXX XXXX XXXX I tried to activate the card and called the customer service line for help, but no resolution. They continued to give me the run around telling me different stories every time I called in. The money was transferred to some unknown account which was not mine. The account was completely hacked and scammers were allowed to take my money I worked hard for and not pay me XXXX dime of it. Every time I called in now they do not answer the phone. The company online is called Pay-fare International.
12/06/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 75002	Web
On XX/XX/2023 my card was charged {$50.00} by a company for an upcoming appointment. That appointment was cancelled prior to occurring and the charge stayed for services that were not rendered. I called the company multiple times, left several voicemails, sent several emails and they have been non responsive. I called XXXX within the limited 10 day dispute window they offer to ask about disputing the charge and they said they were unable to dispute any charges if the company at any point was given my card information, they said it didnt matter that the company charged for a service they did not provide.
10/04/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 98607	Web
Unfortunately, I recently lost my XXXX XXXX debit card. While attempting to secure my account in light of this, I inadvertently locked myself out. The situation has been further complicated due to the fact that part of the account verification process requires the entry of the last four digits and the expiration date of my now lost card. This has rendered me entirely unable to access my account and its associated funds. I understand the need for stringent security measures ; however, there must be an alternative way to validate my identity and regain access to my account without the lost card details.
10/11/2022	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IN 46227	Web
XXXX who manages XXXX XXXX is holding onto extra funds and they claim the extra funds are a preauthorization from the merchant. I made a payment using XXXX XXXX by linking my XXXX XXXX card to my XXXX XXXX. The hotel I live at, billed my XXXX XXXX for {$51.00}. XXXX is holding an extra XXXX XXXX claiming that its a preauthorization from the merchant. I have verified with the hotel and XXXX XXXX that this is not true. I have a receipt from XXXX XXXX for the {$51.00}. The merchant did not preauthorize for a greater amount. The hotel is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX
09/26/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	MA 02360	Web
On XX/XX/2023 I set up a payment to XXXX XXXX for {$90.00} and was charged a fee of {$1.00} to do so. The payment was never received by XXXX XXXX and XXXX XXXX will not send me proof that the check was sent or cashed. I have called many times and am told the same thing, just that it posted. It posted the same time i sent it because it withdraws right that moment, not when the check is cashed. They should not offer a service to send paper checks and then provide no true verification that the check was cashed. I want a copy of that cleared check or I want my {$91.00} dollars back.
01/29/2023	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	MI 496XX	Web
Concerning the XXXX prepaid card through Payfare ; it was locked 48 hours ago due to stating the CVV code was entered incorrectly. I was told to contact customer service, which I have now 3 times in the last 48 hours. All 3 times, I was told the card was unlocked with no restrictions, but when I try to use it in the store or load it on XXXX XXXX, its marked as an invalid card or declined. The issue has been sent through to Payfare but they have not contacted me at all to resolve this issue. I can not buy my husbands XXXX or groceries until this gets unlocked.
04/18/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92543	Web	Servicemember
On my previous complaint, this company Payfare ( XXXX XXXX ) deactivated my account for reporting to cfpb that my account got hacked and money was taken out of my account without my knowledge. They said I was the one who made the transactions even though I don't even have the new card in my possession. They said the card was added through some device. I was not the one who added the card and I did not use any of that money. I need my money back ASAP. I will be submitting a court claim if I don't get my money back!
06/16/2022	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	TX 75038	Web
On XXXX my card account was hacked and my login info was changed and I could not access my account. I had XXXX dollars in the account at the time it was hacked and stolen. I contacted the company ( payfare ) and was told it would be looked into and they would get back with me in 24 hours. After 24 hours I was not contacted so I contacted them again and was told it was still being looked into and would be another 24 hours. I still have not heard from them after a further 24 hours.
05/13/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	PA 19133	Web
I should have {$260.00} available to me in my XXXX ( ran by payfair, partnered with XXXX ) wallet. But my funds are not available to me and I cant even see how much I have. Every time I try to access or view them I get a different error message. I have called XXXX and XXXX support every day since XX/XX/22 and emailed multiple times and have gotten different answered that range from a glitch in their system to a garnishment withholding with no solid answers.
08/11/2022	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	WA 985XX	Web
my account was frozen for what was supposed to be XXXX XXXX because I accidentally used the wrong ccv number and it locked for XXXX XXXX I've tried XXXX times to contact XXXX to get the issue resolved and they did not help they gave me phone numbers that didn't work and then when I tried to contact payfare I couldn't find a number that was directly linked to them I have money in the account that I can't use I can't even transfer it to my actual bank account
06/30/2023	Yes	Credit card or prepaid card Payroll card	Problem getting a card or closing an account Trouble getting a working replacement card	FL 33610	Web
I'm currently locked out of my XXXX XXXX account, It won't allow me to reset my password because it's asking for my card information, and i do not have that. I did call XXXX customer service and they told me, they're not the ones that handle those issue. I tried finding different ways to contact the payfare dasher direct, there's no contact. This is absolutely ridiculous how i'm not able to work and get paid due to me not able to reach ANY customer support
01/12/2023	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	CA 94509	Web
I want my new debit card added to my XXXX account and every time I try to add it I keep getting error message. I called XXXX XXXX to resolve it but they keep giving me the run around.Saying their third party got handle it in 7 days then try again. So I wait 7 business days and still there no charge I been dealing with problem for going on 2 months. Not having my account back right is making very hard to feed my kids and even myself.
10/07/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	PR 00729	Web
So I do XXXX and I have the XXXX card which is payfare with XXXX XXXX, XXXX. Well yesterday I tried paying my phone and the payment got declined but I still got charged Today I've been trying to get in contact with whoever handles the XXXX card but they were no help most of the time they left me on hold and the last person just hanged up on me Cause of it now my phone is disconnected Seriously trying to get my money back
06/30/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	IL 60491	Web
I attempted to stop the charge from XXXX XXXX, whom I can not find on XXXX to contact on XXXX XXXX They told me to call back once the payment posted. I did. They told me they couldnt help me because I authorized the transaction- which I did not- and theres nothing I can do- contact my bank I cant find any information for pay fare for me to call about. I just want my money back. {$49.00} XXXX XXXX on my XXXX XXXX XXXX
07/21/2023	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	LA 70506	Web
I have a XXXX XXXX card and i have a bunch of unauthorized transactions on my card. I have tried to contact the XXXX support but they hung up on me when i asked to talk to a supervisor. Listed below are the unauthorized transactions. XX/XX/2023 - XX/XX/2023 XXXX {$93.00} XXXX {$97.00} XXXX {$56.00} XXXX {$68.00} XXXX {$69.00} XXXX {$74.00} XXXX {$53.00} XXXX {$74.00} XXXX {$56.00} XXXX {$57.00} XXXX {$78.00}
11/29/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MA 01960	Web
On XX/XX/XXXX and XX/XX/2023 my card was charged XXXX for a company called XXXX. My bank was unable to give me any information on this company. Ive tried XXXX this company and can not find them. Ive tried contacting XXXX. Theyve never heard of them. I asked them to dispute these charges, and they refused. They said that they do not reimburse or cover any transaction used by XXXX XXXX or XXXX XXXX.
12/07/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TN 38053	Web
I transfered XXXX $ from my XXXX XXXX account to my XXXX XXXX card. The money was removed twice from my account. It put my account in the negatives XXXX XXXX so when i got paid this week that was deducted from my check. Ive contacted both companies and they both blamed it on the other. Im not sure whose at fault. I have screen shots of my transactions from the last week to show proof.
01/03/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MI 48071	Web
I am using XXXX by Payfare as a checking account with a debit card. Their app is currently no allowing anyone to log in. They have no way to contact support outside of their app. They are denying all transactions with my debit card with an Error XXXX, meaning the card issuer is unavailable. It is unacceptable that I am locked out of all my funds with no one to contact and no recourse.
11/24/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30052	Web
I got scammed online by a company pretending to be XXXX XXXX XXXX XXXX, I didnt actually see that anything was purchased, but the funds came from my account... I've been trying to locate the fraudulent company, but I'm not finding anyways to contact them, everything is telling me to ask my bank for a refund.. my bank keeps telling to go to the merchant, when there is bo merchant.
05/28/2022	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 95122	Web
-Problem with XXXX XXXX account -Error XXXX -Routing number has disappeared -Account number has disappeared -Deposits are not going through ( same day deposits advertised ) -Cash back rewards are unable to be redeemed XX/XX/XXXX - Contacted support, they said deposits would resume by Monday XX/XX/XXXX - XXXX support, they claimed the issue would be fixed within 24 hours
05/16/2023	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	NV 89431	Web
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXXXXXX XXXX made fraudulent transactions on my account. I disputed them and XXXX put the money on my account took it off and is withholding it the representatives will not listen or help me I filed a police report and sent it in with other proof they cancelled my card and issued me a new one and still will not give me my money back
01/10/2022	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Fraud or scam	CO 80229	Web
On XX/XX/XXXX I completed a XXXX and an automatic payment of XXXX should have been posted to my account. They added the payment but did not credit my account. I only recieved payment for a XXXX after which brought me up to XXXX. They have stolen my money and I have tried contacting them, there is no answer and no support on the phone.
10/14/2023	Yes	Prepaid card General-purpose prepaid card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	IL 60561	Web
Trying to get the funds that were loaded onto my card from the IRS. I got my tax return direct deposited to this card and have been unable to get the money deposited in my account. Was told numerous times it was flagged among other issues. Now they told me the money is in my account but for some reason it isnt being released to me.
11/07/2023	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Trouble accessing funds in your mobile or digital wallet	TX 78216	Web
I can not be paid my {$49.00} by XXXX due to the issues with Payfare International. I contacted support and they told me there was no possible way to stop the deposit with Payfare. They also could not provide any information letting us know the services would be down, nor would they tell us when it would be fixed.
06/23/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 93003	Web
I was working for XXXX and got a call claiming to be XXXX support saying my order was canceled and they needed some information to verify my account. Then a couple minutes later my account was cleared out of all {$830.00} in 8 different unauthorized transactions from my XXXX card by XXXX through XXXX XXXX.
06/17/2022	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	MI 48204	Web
Someone use my debit card for a purchase of XXXX with XXXX and the company is not complying with the card company XXXX XXXX payfair this has been going on since XX/XX/2022 and all I get is lies told to me and not a refund.. Now I'm currently XXXX and lost my job and car. Can someone please help me
07/25/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	CA 92543	Web	Servicemember
This issue has been going on for so long. My money was stolen from my account from payfare company. They emailed me stating that my temporary card was added to and token wallet. I dont even use any of that. The card they said they would send me never arrived. I need my money back asap.
05/13/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	FL 33324	Web	Servicemember
On XX/XX/2023 I filed a complaint against PayFare/ XXXX XXXX ( XXXX ). Yesterday XX/XX/2023 my XXXX XXXX and XXXX XXXX was turned off. I was not given an explanation by XXXX or Payfare for this action. I believe they are retaliating against me for filing the complaint on XX/XX/XXXX.
08/13/2023	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	CA 95340	Web
I was charged {$500.00} through XXXX XXXX on my XXXX card. This is a scam, I called XXXX to try to get my money back and they said because the transaction was made using XXXX XXXX that they couldnt help. This company always gives me the runaround and never seems to want to help.
02/03/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	CA 945XX	Web
They temporarily suspended my account and said call customer support to reactivate I have tried numerous times to get ahold of them every time I call I wait on the phone for XXXX then it just hangs up on me meanwhile Im stuck at a gas station unable to put fuel in my car
04/11/2023	Yes	Checking or savings account Other banking product or service	Managing an account Banking errors	AZ 85374	Web
On XX/XX/2023 there were 2 credit transactions that showed posted and were never added to my available balance. I tried contacting the company numerous times and they ignored every call. Transaction 1 : {$5.00} in rewards redemption Transaction 2 : {$9.00} in Earnings
11/07/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	MI 48823	Web
XXXX XXXX a checking account for XXXX XXXX XXXX will not let me access money because of maintenance this has gone on for over a day and they are withholding wages from me. The parent company Payfare has given me no information or compensation.
05/16/2023	Yes	Checking or savings account Checking account	Managing an account Problem making or receiving payments	TX 77303	Web
I used my XXXX card to pay for a {$200.00} hotel room deposit, which was supposed to be refunded to my card after five to seven days. It's been ten days, and the money still has not been deposited back to my card.
01/13/2023	Yes	Checking or savings account Checking account	Managing an account Funds not handled or disbursed as instructed	LA 705XX	Web
XXXX XXXX XX/XX/XXXX XXXX {$99.00} XX/XX/XXXX XXXX {$48.00} XXXXpayfair refuses to credit these refunds to my account. I have tried daily for 14 days, now they say since it's outside 10 days, I'm out of luck.
12/01/2023	Yes	Prepaid card Payroll card	Trouble using the card Problem using the card to withdraw money from an ATM	CO XXXXX	Web
Can only withdraw {$200.00} from ATM. I have tried to resolve this problem with them over the last two months and they are not helpful and appear to not care about this issue.
05/02/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	FL 33324	Web	Servicemember
I purchased gas at the pump on XX/XX/2023. I was charged three times by the merchant. I asked the bank to reverse the duplicate charges but the bank refused.
02/08/2024	Yes	Prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	FL 32114	Web

02/08/2024	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	OH 45431	Web	Servicemember

02/07/2024	Yes	Money transfer, virtual currency, or money service Mobile or digital wallet	Unauthorized transactions or other transaction problem	PA 15136	Web

01/24/2024	Yes	Prepaid card Payroll card	Problem getting a card or closing an account Trouble closing card	AZ 85286	Web

01/15/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	MI 48187	Web

01/09/2024	Yes	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	TN 37915	Web

01/08/2024	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	GA 30324	Web

12/28/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	AR 72404	Web

12/22/2023	Yes	Checking or savings account Other banking product or service	Managing an account Deposits and withdrawals	CA 95404	Web

12/21/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Charged for a purchase or transfer you did not make with the card	MO 63136	Web

11/18/2023	Yes	Credit 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	MA 02155	Web

11/07/2023	Yes	Prepaid card Payroll card	Problem with a purchase or transfer Card company isn't resolving a dispute about a purchase or transfer	TX 78665	Web

10/14/2023	Yes	Checking or savings account Checking account	Managing an account Problem using a debit or ATM card	TX 77070	Web

10/11/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	TX 77062	Web

09/19/2023	Yes	Credit 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	NV 89431	Web	Older American

08/31/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	OR 97322	Web	Servicemember

08/03/2023	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	AZ 86379	Web

07/27/2023	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	MO 63139	Web

07/19/2023	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	GA 30314	Web	Servicemember

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	WI 53216	Web

07/03/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	WA 98277	Web

06/15/2023	Yes	Checking or savings account Other banking product or service	Managing an account Funds not handled or disbursed as instructed	PA 19125	Web

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 45324	Web

05/13/2023	Yes	Money transfer, virtual currency, or money service Virtual currency	Other transaction problem	NC 27405	Web

05/12/2023	Yes	Checking or savings account Checking account	Managing an account Problem accessing account	IL 60181	Web

05/11/2023	Yes	Checking or savings account Checking account	Managing an account Fee problem	NC 28546	Web

05/10/2023	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 96007	Web

05/09/2023	Yes	Checking or savings account Checking account	Problem caused by your funds being low Bounced checks or returned payments	NC 28546	Web

05/08/2023	Yes	Credit card or prepaid card Payroll card	Trouble using the card Trouble using the card to spend money in a store or online	GA 30721	Web

05/02/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	MN 55126	Web

04/12/2023	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	TX 76131	Web

03/01/2023	Yes	Checking or savings account Checking account	Managing an account Deposits and withdrawals	CA 94804	Web

02/17/2023	Yes	Credit card or prepaid card Payroll card	Unexpected or other fees	MN 55433	Web

01/29/2023	Yes	Credit card or prepaid card General-purpose prepaid card	Unexpected or other fees	TX 76131	Web

12/18/2022	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	SC 29642	Web

11/17/2022	Yes	Money transfer, virtual currency, or money service Domestic (US) money transfer	Fraud or scam	KS 67846	Web

11/12/2022	Yes	Checking or savings account Checking account	Problem with a lender or other company charging your account Transaction was not authorized	FL 34946	Web

08/12/2022	Yes	Credit card or prepaid card General-purpose prepaid card	Problem getting a card or closing an account Trouble closing card	CA 95382	Web