Single father with wheelchair bound son is lied to and stolen from by N26
This situation would be laughable if not for the fact that I have a terminally ill son whom I am the sole provider for and with covid 19 finances are tight. So I am a member of a credit union and have been for some 10 years. I opened this N26 account when they first expanded to the United States. I sell on posh, offer up etc etc and I buy a lot of goods from China directly. So I keep my living checking account and my online/virtual accounts separate. Recently after receiving my school refund my Apple phone was stolen and on it in the wallet case was both my bank cards. So I had about 6 charges that were made on my credit union card and 2 made on my N26 card. So naturally I file a dispute with both the credit union and N26. So a little time goes by and I receive a letter from my credit union saying in accordance with regulation E they have provisionally credited my account. (Bare in mind that all 6 charges disputed with unify have since been found fraudulent and have been refunded permanently as their final decision) anyway when I receive the letter I contacted them and asked if that apply to other banks in general or just credit unions because I also had a dispute within n26  they assured me it Applies to all banks and urged me to message them and find out what the reasoning for not provisionally crediting my account was. So on their advice I did so. Instead of issuing a provisional credit they instead froze my account. Which made no difference because there were zero dollars in there. They informed me any funds that attempted to go in would be rejected. Imagine my surprise when they accepted  $52 deposited from Poshmark for a sale and $102 from wayfair. So now in total they have $160 of my money and refuse to transfere it to my credit union or to my ex wife’s N26 account. It’s been 3 weeks and i msg them every day and every day they hang up on me and provide me with no information. Like if my account is frozen and I cannot withdrawal money and you say will not accept any into it then do, is that not tantamount to theft? I have screenshots of every conversation I’ve had with them and am at my wits end. To the point I’m tempted to say screw the dispute because I need my $160 but the one charge is from an out of the us gambling set up(I don’t gamble my sons meds cost way to much and the new steroid is not yet made in generic so it’s out of pocket every month) they should have never processed a $500 ach to a bookie anyway what are they thinking. I’ve never spent over $150 on anything. So red flags should have shot up when $500 was ach debited by Skillz Sports. I’m at a loss and I’m in dire need of my money that they stole by accepting. After telling me they would refuse. I’m tempted to allow my school refund to go in there in 11 days and then contact my federal appointed loan handler and tell them I’m being refused my refund by the bank it was deposited in.... I just need my money. I have a sick child who cannot walk.