Complaint Review: Green Dot Corporation - Nationwide

 I would like tell you about my experience dealing Green Dot Corporation dba Go Bank in the hopes that your report will show perspective customers this is a company to stay away from and help those like myself who have been adversely affected.  I was a customer of this bank since December 2016 and did not have any issues until last month. On July 24 I received a notification that my account was in the negative status, now mind you Go Bank advertises no overdrafts or overdraft fees like "regular banks."  This is the first time my account has been in this type of status, I checked the transaction history and saw there was a charge of $429.84 from Homedepot.com.  I immediately contacted customer service because:

a) the funds were insufficient for such a charge to go through

b) I did not authorize such a charge

c) This was a fraudulent transaction

I explained this was fraudulent and expressed that I had a pending payroll direct deposit coming through later that day and could not afford for them to take this money as I had rent to pay. The representative told me I needed to cancel the card because "the merchant can force a transaction through as many times as they want to" and I needed to contact the merchant to dispute the transaction. I contacted HomeDepot in an effort to cancel this order and was told it already had been delivered to an address that I had never heard of. I called Go Bank again to relay this information and was told to fill out a transaction dispute form (she gave me transaction dispute#04903557) and that I would get a decision within 10 business days.  I filled out the transaction dispute and submitted it the next day after filing the police report. On August 9, I learned that Go Bank closed my account without my permission or authorization, I was unable to get through to customer service since my account was closed so I had to send an email.   I received a reply that I would get a decision in writing and that a supervisor would contact me. On August 10 I received a call from Michael who informed me that my account was closed because Go Bank can refuse to do business with anyone at any time.  My dispute was denied because HomeDepot had an email address on file for me for the order; I told them I never owned an email address of [email protected].  Michael gave me another transaction dispute number 05235158 and told me I needed to resubmit another dispute with the police report.  He stated the police report is considered new information and that I needed to wait an additional 10 days for a decision on top of the time I have already waited and that "If" they "decide" to pay me for my dispute claim then I'll need to wait an additional 10 days for a check since my account is closed. Today, August 17 I called for status of my dispute and spoke with Joseph who told me there has been no updates on my dispute, they should have a decision by August 24 and if they cannot come to a decision they will push the date back to September 24.  I asked what is limiting them from making a decision or delaying the date further and wanted to know if there is any more information I needed to submit.  He stated what I have already submitted is enough and since my account is closed there will be no provisional credits given to me in the meantime. I hope by reading this you'll see this company is simply playing games and is trying to avoid reimbursing my money due to their negligence for authorizing a purchase in the midst of insufficient funds for a fraudulent transaction.  This is going to go on and on, please help me, I've seen other reviews of customers who have been fleeced by this company and some of them have given up.  I am not giving up.  I am sending this because this "bank" is based in Pasadena, CA.  The heat needs to be put on these people that they cannot steal people's hard earned money and react to customers with cavalier attitudes.