Varo Money

On Feb 27, 2025, I attempted to withdraw $100 from an out-of-network ATM. The money was not dispensed but was taken out of my account anyway. I contacted someone at the hotel/casino where the ATM is located immediately, and they looked at the ATM logs, and it said the transaction was reversed. Next, I contacted Varo and was instructed to file a dispute, which I did, and my claim was denied. My problem is there is no dispute, no merchant to dispute this with, only Varo. $100 was removed from my account even though the transaction was reversed and the money was never dispensed. No dispute; that is what happened. This has happened one other time, a long time ago, back when your customers could actually speak with someone in customer service, and that matter was handled promptly. This matter took place on Feb 27, 2025. In my app, it says the transaction was completed. But the money was not dispensed. I need this money. I needed it on Feb 27th and every single day since. Can you please resolve this matter?
ATM30271OKLCCCHISW
QUANAH ESCALERA
06/26/1979
LAST 4 OF CARD: 3704 Varo Believe

Hi Varo Bank Support Team -

I noticed several fees on my Varo Bank account that I would like to ask for a refund on. I have been a loyal customer of Varo Bank and hope to continue, but these fees are becoming really frustrating...

Especially when there are now so many fee-free banks and its been such a tough year!

Can I get a refund on the $164.50 from my transactions below? Texaco - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/09/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 05/07/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 05/05/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 04/26/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/25/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 04/11/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 04/11/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/29/2025 - $3.5 Out of Network ATM fee 4150 HWY 19N, DAHLONEGA - 03/29/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/26/2025 - $3.5 Out of Network ATM fee PAI ISO 41 BIG HORN LANE, DAWSONVILLE - 03/22/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 03/19/2025 - $3.5 Out of Network ATM fee 2261 OAK GROVE ROAD, DAHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 2261 OAK GROVE ROAD, DAHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 03/16/2025 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 03/14/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/07/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 03/07/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 03/05/2025 - $3.5 Texaco - 02/25/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 02/25/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 02/25/2025 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 02/25/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Out of Network ATM fee Wells Fargo Ban 312 E MAIN ST, DAHLONEGA - 02/24/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Walmart - 02/24/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 02/05/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 02/04/2025 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 02/04/2025 - $3.5 Out of Network ATM fee 3242 AURARIA ROAD, DAWSONVILLE - 01/16/2025 - $3.5 Out of Network ATM fee PAI ISO 462 GROVE ST NORTH, DAHLONEGA - 12/27/2024 - $3.5 Walmart - 12/26/2024 - $3.5 Walmart - 12/26/2024 - $3.5 Texaco - 12/24/2024 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 12/20/2024 - $3.5 Out of Network ATM fee Lucky Foodmart 2065 Hwy 19 N, Dahlonega - 12/20/2024 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee 30 CAVENDER CREEK RD, DAHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee 2604 DAWSONVILLE HWY SU, ADHLONEGA - 12/06/2024 - $3.5 Out of Network ATM fee BRANCH BANKING 148 MEMORIAL DR, DAHLONEGA - 11/28/2024 - $3.5 Texaco - 09/29/2024 - $3.5

Thanks a ton,

Leslie

I submitted a check for $40.94 earlier this morning, but it says it could take five business days. I was wondering why because it's a check that was in my dad's name, a refund check from a business, and I took it to the estate attorney since my dad passed away so I can get the money for a minute.

That was like two weeks ago, and it took them this long to get it cleared. They've already had it in the bank for almost two weeks, and it cleared. That's why they issued me the check, and it's another bank, so why can't I have my funds right now? 'Cause I really need it.

I'm disabled, I'm not working, and I'm out of some household things.

I need to go get some of my medicine, and I don't understand why I have to keep waiting for it to clear when I just waited two weeks for it to clear, and it's from another bank and an attorney's office. Can I get my funds released, please?

I called and told them about one of their employees contacting me, informing me that I was approved for their credit line up to 5000 dollars. However, I only agreed to 1000 dollars and he had given me all of my information to prove he was with Varo.

This information included my account number, address, phone, date of birth, and even my newly assigned debit card number, which had not even been mailed out yet. They made me change all my login information and removed all devices that had ever been logged into my account.
When I addressed the fact that this was an employee who had contacted me four times already, and they had acknowledged that sometimes they do call customers from other departments, they contradicted themselves by saying Varo never calls customers. Nevertheless, I have screenshots of call logs to my number from Varo many times throughout the eight years that I've had this account with them. They argued with me about it and tried to insinuate that it was just paranoia.
The first three calls and four chat logs were carried out on Thursday, Friday and Saturday, specifically on 12/26/2024, 12/27/2024, and 12/28/2024.

Varo promised and ensured me that no unauthorized access would occur now. Regardless, I had to contact them repeatedly because I was receiving emails and notifications that an unknown device or login had accessed my account. Each of those three days, I was promised that the issue was fixed and resolved.
However, on Monday, merely two hours before my disability check was deposited, I started receiving emails and push notifications that my account had been accessed by an unknown device or login. This time, someone was changing my phone number and trying to change my password and email.

Varo again ensured me that this issue was fixed and that no one would be able to access my account without it being by or through me.
For about two and a half hours, it seemed like the matter was taken care of. My disability income was issued, and I was able to purchase toiletries and dog food, and was in the middle of paying my electric bill when someone again logged into my Varo account. This time, my savings and Varo balance were transferred to my checking account and sent to the fraudster's account. They also changed my phone number all before I received the email or push notification.
After bringing this issue to Varo's attention, they made me change my login information again and promised that I would have my money back in my account within 24 hours.

Unfortunately, at 14 hours, they temporarily suspended my account. This suspension was lifted several hours later, and it appeared that the fraudulent transaction issue had been resolved. This belief was quickly shattered when, only four hours later, the same person managed to log into my account again. Even the representative from their dispute department agreed that it seemed like an inside job, as the speed of the fraudulent account access could only be achieved by an employee.
On New Year's Day, Varo did not email, call or text me; they simply closed my account.

This was especially problematic as I had multiple incoming deposits that could not be rerouted for weeks. Additionally, Varo refused to discuss anything other than receiving a complaint.
I believe my account was closed because I had evidence showing that their representatives had promised to refund my money within 48 hours. Even though they are FDIC BACKED they refused to do anything to assist me. Further, I demonstrated to them that I had given them plenty of time to prevent any of this from happening.

They failed to even make a record of my reports and allegations. More alarmingly, at least 50 other people on Reddit and various other online platforms reported experiencing the same issue. Varo had been given ample time by many of us to prevent this from happening.
Their failures are due to their indifference towards their customers, their poorly trained staff, lack of follow-ups with customers, failing to log complaints in the system, and failing to pass information up the chain of command.

This has resulted in mistreatment of many of their customers, as they blatantly lie about incidents and issues. Astonishingly, they even denied having a data breach in March of 2024, even though there was a class-action settlement due to it.
I am convinced that it is either a rogue employee or another data breach causing these incidents.