Direct Express complaint: Unauthorized Transaction

On Nov 6,I called Direct Express,not knowing,who used my card,taking $125.after calling them I learned it was the car lot whom I financed my car.Direct Express advertises that customers are protected by not being held liable for those transactions.So I made a complaint.Ivwas told and received a package and if filled out and be returned within ten business days that my money would be returned.I did so,even sending it back at my local postoffiv
They claimed they did NOT RECIEVE IT UNTIL THE 11TH D1AY JUST TO RENIG ON RETURNING MY MONEY.I then received a letter stating they investigated and no error had occurred.This is all a scam .They falsly advertise the protection then lie to people.They don’t care that this is the only financial help some get.allowing people to help themselves whenver they want to customers money.Why say I am protected against unauthorized transactions made on my account if the company does not protect us by allowing it to happen.This is false advertisement.You can’t trust them to protect your money.Itsca game it’s a lie and it’s a scam