• Report: #833771

Complaint Review: Nfinanse prepaid debit card

  • Submitted: Sat, February 04, 2012
  • Updated: Sun, February 05, 2012

  • Reported By: Rachel — high point North Carolina United States of America
Nfinanse prepaid debit card
Internet United States of America

Nfinanse prepaid debit card Basically stole my tax refund check and is refusing to close my account Internet, Internet

*Consumer Comment: Same story

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I decided to get a prepaid debit card so that I could get my refund faster. I do not have a bank account as I keep overdrawing and the fees were killing me seriously $70 per incident. As it is tax time alot of places are sold out well were when i went to look for one.

Finally I thought I lucked up and found one at dollar general while i was buying my household items. It was only $3 and the monthly fees are $3. I thought wow great price. I took it home and registered it. I was charged the monthly fee as soon as it was activated. I am not new to debit cards I had a greendot last year  an account now the year before and the card that jackson hewitt before that one.

I actually got my refund 2 weeks early, it was supposed to be delayed but wasn't go me. They froze my account the day the irs  deposited it, with no warning . i found out while I was out at a shopping center. I called customer service to find out what was going on and was told that they sent my a letter when the deposit over $500 was made. I asked them if the deposit was made at 4am that morning how would i have gotten the letter? I was told that wasn't the company's problem and hung up on. So I called back, and informed the next rep of what happened and I was placed on hold for 20 minutes. When the rep returned I was informed that I would have to fax them some paper to identify myself.
Although I was pissed off I told her fine I understand and attempted to explain that I had loaded all my spare cash on the card although it was only $60 bucks I was in between paydays,and did not own a fax machine. She said there was nothing that she could do. I asked to speak with a manager after an hour long shouting match between he and I The compliance department released $100 while it was a nice gesture I was not allowed to use any transaction that required my pin number so i could only spend it not pull it off to fax a paper.

I ended up stranded until a friend happened to drive by and see me crying on a bench. He took me home and told me to be patient. I called back and was told that I had until 3 that afternoon to fax in a copy of my id and ss card. It was 2:30 I searched but could not find my ss card. I called back and told them that.

I explained that while I could fax my ID i still had to find my card or apply for a new one. And even the Id would not be in by 3 I had to find someone to take me. What i did express was that I was leary about ging them my ssn as I had never heard of them and they are not acredited with the BBB. I was told fine just get the info in.

I got off the phone ralising that I had no fax number for them. Finally I had to call back wait almost an hour to get it. I ended up finding a copy of my ss card it was clear and with a copy of my id I was ready to get my almost $4000 from them. That was late friday night. I tried all week to fax this paper and it never went through. I took the bus from place to place even a few banks who btw do not fax personal info its against thier policy or the law something like that. Finally the next thursday almost a week from the day, I wander into a hotel where a very nice woman offers to fax it for $1 I jump on it.

She then tries to fax it but to no avail. She called the fax number to be sure she got that weird fax noise but no it was yet another line to customer service. I then had to call back stay on hold again for almost an hour fro them to say i made a mistake in dialing the woman was highly offended and dialed it again. We then put both phones on speaker and let him hear. He gave me a new fax number.

It only took 2 mins for them to acknowledge reciept of the fax. I was told no more than 24 hrs and it would all be resolved. I was then asked if the ss card was new. I said no, that I had sent in a copy of one I already had along with a copy of my id. They said fine everything checks out and that my funds should be released in 24 hours. I hung up went home had dinner with the kids and went to bed.

I called back 23 hours later and it wasn't released yet so I did some house work and called back. They told me that they were holding my funds and reporting me to the irs for fraud. I asked why and they said because my ss card was issued in 2010 and if it was really mine it would be from this year not 2010. I said but my Id was from 2010 as well. When questioned about that my old Id expired that year and even offered to send that one in as well they declined and said it wouldn't matter because they were already starting fraud charges.

I asked to speak to a superviser as was informed that I could not. I was then told that I would have to deal with the irs directly. I asked why when they had my funds. I was told to dispute the fraud charges. I then asked why don't they just send the funds back to the irs and was told they would not. I asked how to get them released and was told I couldn't because I was being charged with fraudulent activity. I called the irs and they said i had to deal with the company because they no longer had the funds. Please beware of this company,

 And to think if I would have let them mail it to me I would probably have the money by now.

This report was posted on Ripoff Report on 02/04/2012 04:27 AM and is a permanent record located here: http://www.ripoffreport.com/r/Nfinanse-prepaid-debit-card/internet/Nfinanse-prepaid-debit-card-Basically-stole-my-tax-refund-check-and-is-refusing-to-close-833771. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Same story

AUTHOR: simpilot7 - (United States of America)

My journey is in its beginning stages, and is playing out EXACTLY as the original above. I used GreenDot for years for tax refunds, without any issue whatsoever. My deposit hit my account Feb. 4, and after my call to see why my card was declined, I only received hateful responses to fax my personal information. I wont have access to my ss card for nearly a month, as it is in a bank vault. I have my birth certificate, state ID, and other forms of ID, but only nasty "NO! SS CARD ONLY SIR" are the constant responses I receive. They have my personal information, and it is verified weekly. None of this information is available BEFORE you choose to have your taxes refunded to your Nfinanse card. Worst choice in Prepaid Debit cards yet.
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