|
7726858
|
2023-10-20
|
Problem with overdraft
|
Prepaid card
|
|
| Issue |
Problem with overdraft
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Overdraft charges
|
| Sub Product |
Payroll card
|
| Date Received |
2023-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-10-20
|
| Complaint What Happened |
I have an XXXX XXXX Debit card provided by Branch App for pay from delivering XXXX XXXX. They have what is called back up balamce depending on XXXX XXXX status in XXXX XXXX you can get either XXXX. XXXX or XXXX. If you use the feature you have to take the full amount available.
Once you elect to use to use the backup balance until the outstanding balance is paid you are not allowed to change the bank account you are paid to violating the Electronic Funds Transfer Act.
Also until the outstanding balance is paid they take every deposit. If you use this account to be paid it is automatically paid after every delivery. So for every delivery you get paid the fee right away and an hour later you get paid the tip.
The pay is deposited in the asset portion of the account and then they automatically take the money back out of the account and apply it the back up balance. This happens for every deposit you make until it's paid off.
Them doing so is a violation of EFTA by not allowing 21 days to pay back, having more than one forced debit from asset portion of the account and also compulsory used of electronic funds transfer.
These laws are made for a reason and they shouldn't be able to do whatever they want.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8567044
|
2024-03-17
|
Problem caused by your funds being low
|
Checking or savings account
|
|
| Issue |
Problem caused by your funds being low
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Non-sufficient funds and associated fees
|
| Sub Product |
Checking account
|
| Date Received |
2024-03-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-17
|
| Complaint What Happened |
Hello this is XXXX XXXX. My address is XXXX XXXX XXXX is XXXX, FL XXXX.
On XX/XX/XXXX I was at the soccer field off XXXX XXXX and someone steal my wallet and then he made some unauthorized transactions. I called the police and I got the police report. Actually he steal my wallet and my XXXX and I find my XXXX from from that area by tracking XXXX. XXXX I lost like {$2800.00} {$400.00} in cash and {$2400.00} from my credit cards and debit cards XXXX XXXX already credit me {$1000.00} by the way store and Branch app is refusing to credit me my funds Here is information about the Branch app transactions {$200.00} XXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change.
Details XX/XX/2024 @ XXXX XXXX ID : XXXX XXXX PIN Debit About XXXX XXXX {$200.00} XXXX XXXXXXXX XXXX Transaction Posted Posted transactions are final purchases or transfers that have been settled. The details will not change.
Details XX/XX/2024 @ XXXX XXXX ID : XXXX XXXX PIN Debit About XXXX XXXX XXXX XXXXXXXX ay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL I have an open dispute case with the BranchApp, and they are refusing to refund my money Branch Dispute Case # XXXX XXXXbranchappXXXX Also, I have attached the police report and the transactions screenshots
|
| Consumer Consent Provided |
Consent provided
|
|
|
9881599
|
2024-08-21
|
Problem getting a card or closing an account
|
Prepaid card
|
|
| Issue |
Problem getting a card or closing an account
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Trouble getting, activating, or registering a card
|
| Sub Product |
General-purpose prepaid card
|
| Date Received |
2024-08-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-08-21
|
| Complaint What Happened |
On or around XX/XX/year> I received a 1099 job offer that requires me to have a Branch Bank account. I was unable to open the account because someone else had an account opened with my XXXX and Social Security number. I do not have a name of the other party .but the email address is XXXX Their phone number is XXXX. They worked or work for XXXX XXXX XXXX XXXX According to Branch Customer Service as of XX/XX/year> the account is no longer being used. That is around the time I started freezing my credit reports. I am not sure how long this person has been using my information prior to me freezing my credit report. I had to put off opening a Branch Bank account due to my case being transferred to escalation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
6485116
|
2023-01-25
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Checking or savings account
|
| Sub Issue |
Problem accessing account
|
| Sub Product |
Checking account
|
| Date Received |
2023-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-01-25
|
| Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
| Complaint What Happened |
I am unable to access my XXXX app bank account. I can not login to the application, meaning I can not access my income being paid into this account. On XX/XX/2023 I initiated an online support ticket for help with accessing my account. On the same day, I received a response from an agent named XXXX, asking for some identity verification information. I responded, same day. From there, I didnt receive a response from the company for an additional XXXX days. The response I received was thanks for your patiencethey will be in touch very soon. During this XXXX day period, I spent hours on the phone EACH DAY, waiting on hold on the customer service phone line. Each time, I would wait for just over XXXX hour, and the call would disconnect. No one answered these calls, ever. At this point, its been XXXX days since my initial attempt to contact the company to resolve the issue and give me access to my account and funds. This is unacceptable, and clearly a major oversight by the company. I want access to my account, immediately.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9107571
|
2024-05-27
|
Problem with a purchase or transfer
|
Prepaid card
|
|
| Issue |
Problem with a purchase or transfer
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Card company isn't resolving a dispute about a purchase or transfer
|
| Sub Product |
Payroll card
|
| Date Received |
2024-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-27
|
| Complaint What Happened |
Branch has been one of the many accounts I've had over the last few years that never did this. Just recently they have started holding all pre-authorized amounts for the maximum amount of time, even after final transaction has posted.
XX/XX/XXXX for example, I swiped my card at a car wash and it pre authorized {$10.00} dollars. The same day it sent a final transaction of {$4.00}. I called and inquired about the hold to see if they would drop the hold 3 days after the fact and the customer service agent boldly kept lying to me like I didn't know what I was talking about. First it was you have to wait the 9 days till drops off. Then it was you need to talk to the merchant and see if they would release it and on and on. First of all I know just like hotels when the final transaction is sent the merchant isn't holding the funds. They funds never leave the bank. After final transaction is sent the merchant also released the hold and from there always it's XXXX or XXXX who processes it and then releases it immediately. It's always up to the account holding company to drop the hold and they act like I don't know this. XXXX for example if you send them a copy of the bill from hotel they will drop it. Well Branch will not under any circumstances drop the authorization hold until they have held the funds for the maximum amount of time wihich is 8 days but they hold it nine. If i'm not mistaken, any and all funds that are released or sent to a prepaid account have to be immediately made available that business day. This is twice they have done this to me in two weeks.
The aren't a bank and they aren't allowed to hold funds. Branch did have every single XXXXXXXX XXXX driver and now that they don't I feel like they are resorting to other tactics, that are borderline violating laws. They have been doing this since the get go probably trying to hold onto the XXXX XXXX dollars they are allowed now to lend in lines of credit.
Please stop these tactics. As Branch is looking at only their bottom line, our bottom line out here is that holding that {$10.00} dollars for any length of time can make a huge differnece out here to the people that don't make the money you do.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9107534
|
2024-05-27
|
Problem with overdraft
|
Prepaid card
|
|
| Issue |
Problem with overdraft
|
| Timely |
Yes
|
| Company |
Branch Messenger, Inc.
|
| Product |
Prepaid card
|
| Sub Issue |
Overdraft charges
|
| Sub Product |
Payroll card
|
| Date Received |
2024-05-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-05-27
|
| Complaint What Happened |
I want to start off by saying that I have official brought these concerns to XXXX XXXX XXXX 's attention and I recieved a letter back on letterhead saying I was wasting their time that should be used for other customers the geniually need XXXX
XXXX XXXX XXXX is a pre-paid debit payroll card. When meeting the requirements of deposits and teir level in the XXXX app they allow you to take an advance or whatever they want to call it. These advances aren't not allowed to be negotiated. You have to take the whole amount and nothing more or nothing less. All that is fine. But what happens after is the questionable conduct. After recieving the money, ALL DEPOSITS are taken until payment is paid. Which is from my understand a compulsary use of XXXX. The period of wait until payments are to be made is not given. Also, I was also under the impression that a finaincail company can only take XXXX forced payment a month from an account. Not EVERY deposit. Also, until money is repaid XXXX and XXXX XXXX prohibit you from changing your cash out method in the app. Which violates even more laws from federal and state forcing you to use a finiancial institution.
In my situation, the amount I had to take was {$150.00} dollars. I needed the entire amount to pay a bill. So all work afterwards deliverying with XXXX XXXX is taken. Mind you XXXX percent of the offers you get on XXXX Eats are under {$4.00} dollars with tip. So over XXXX delivery 's until I can use that money to put gas in the car or anything. It won't and hasn't happend and I still owe then entire XXXX because I can't afford to sit there and work without pay for XXXX delivery 's.
|
| Consumer Consent Provided |
Consent provided
|
|
