r/legal•
Imadirtydan1

Bank Dispute, bank refuses to put everything back.

Advice needed

[Location: Las Vegas Nevada]

On February 26th I had an issue with my Walmart account, someone logged in, and bought $240 worth of stuff in different purchases, from 25-75 about 4 or 5. I had contacted Walmart the same day and they would look into it. the seller had 48 hours to respond to a redund, but they didnt.

I follow up a few days later, and they said they have flagged the account and it was closed. they had notified that I would have to contact the bank. seems wrong, but idk.

so I file a dispute on the 6th with my bank (Varo) I give them phone calls, logs, recordings and all proving I did not use my account. about 3 days later I get a "provisional credit" this credit I had absolutely no access too. It never showed on my account. which there is evidence of.

about a week later i see my account in the negative as they took the "provisional credit I did not have access too.

about 2 weeks later, I made sure Walmart was right. So I call again, this time the guy is from the middle east, and speaks like a normal American. no accent nothing. He understood everything. said the same thing, file a dispute with the bank.

I give this recording to my bank (Varo). On April 8th they gave me a $45 credit, and not the full 240 and they closed the dispute even tho there was proof of evident fraud.

So im SOL of with the "provisional" taken out, around 480 or so.

I have tried to research the corprate number but nothing.

Does anyone know the best course of action i can take?

Posted Apr 9, 2026, 8:04 PM UTC

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