NetSpend review: Netspend Dispute Department improper decision

On 09/30/2019 Clifton Coats was hospitalized out of state from his home town due to a severe fall. Mr. Coats remained hospitalized and in-house rehab until 02/18/2020. During the time of being confined to the hospital his job and other businesses had continue to deposit funds to his Netspend All-Access prepaid debit card. Those funds was stolen from Mr.Coats accounts. Mr. Coats filed a dispute with Netspend Dispute department and included the discharge summary from the hospital, a police report, Federal Trade Commission report, Netspend Unauthorized Dispute document and other relevant information. The dispute department closed the claim due to no error found on 02/20/2020. The dispute department reason of account closure is as follow ""The PIN transactions being disputed are consistent with your previous account activity, such as the merchants shopped and their physical locations. Additionally, our records show that the PIN was not changed prior to the period of unauthorized usage."" We are certain that the card was compromised by a possible relative or associate that lived in the same area and was knowledgeable of Mr.Coats whereabouts, So it likely that the card was utilize at the same merchants where Mr. Coats previously shopped but that shouldn't disqualify the charges from being unauthorized. Mr.Coats is requesting the claim investigation to be reopened and he receive his provisional credit as scheduled by March 4, 2020.

Clifton Coats
[protected]
PO BOX 1593
Memphis, TN 38101
Claim Number 5794801
Account # [protected]