A Locksmith

Initial Business Response /* (1000, 5, 2015/06/22) */
Copies of the April and May statement summaries have been mailed

On September 30, 2016, the cardholder’s card ending in *** was replaced due to notification of possible compromise card
On October 3, 2016, the cardholder contacted AccountNow and advised that the replacement card was not received. The agent verified the cardholder, however the
cardholder had previously failed the security questions and verification documents had been requested
On October 7, 2016, we received the cardholder’s photo identification card and a mailer. We requested that the cardholder provide a utility bill
On October 11, 2016, the cardholder contacted AccountNow regarding a new card. The cardholder was requested to send verification documentationThe cardholder opted not to send in documents and requested to send the funds back. The agent advised in order to send the funds back a letter of recall would be neededThe call we terminated
On November 30, 2016, the cardholder contacted AccountNow regarding the account, and the agent advised the cardholder to send in documents. The cardholder was provided with the fax number and the timeframe to review the documents
On December 2, 2016, the cardholder contacted AccountNow for follon the documents. The agent advised the cardholder that a utility bill was neededWe later received a document that showed a different address than the one that was on the document received back on October 7, 2017.
To date no further documents have been received from the cardholder, as indicated the cardholder continued to use the account for ACH transactions only as a new card was not sent to her due to the restriction and verification of address was still needed
On May 5, 2017, upon receipt of the complaint the account was closed per the cardholders’ request. We reversed the 4/25/$monthly maintenance fee bring the balance to zeroIf the cardholder wishes to re-establish the account, verification of address will be needed before a new card can be issued as the address on the letter of complaint is different than the address that is on fileThe cardholder may contact AccountNow with any remaining questions at *** ***

Please correct on complaint *** Third date of contact as Mayto 6-1-I made several points of contact calls to Account Now Customer Service Dept4-22,5-1,5-11,5-16, and lastly today 6-1-Thank you*** * ***Hall

Initial Business Response /* (1000, 5, 2015/11/06) */
AccountNow received two complaints from this customer for the same issueOne complaint was sent to the Federal Deposit Insurance Corporation and the second was sent to the Revdex.com
We have received Veterans Administration
deposits on this customer account since August On October 28, 2015, AccountNow closed the account due to a change of address, repeated calls by a third party, and the inability for the customer to provide address verificationAccountNow contacted the Veteran's Administration and a representative stated that the new address did not match the address on file at the VAOn 10/31/AccountNow advised the customer that the account would be reopened on 10/31/only to allow the customer to remove remaining funds and the account would then be permanently closed at the end of the dayThe customer was provided with the account balance and the customer performed transactions to remove funds
The account was closed as we advised and has a remaining balanceWe have been unable to reach the customer to make arrangements for the remaining balance to be sent to the customer by checkWe request the customer contact us at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now supplied many answers and excuses for withholding funds that are illegal to with holdthe representative s were impossible, so I had my son deal with themthey started calling my phone repeatedly, so I blocked them on my phonethe address with the VA is not the same as the one with aaccount now, and never has beenWe sent many forms of verification, account now claims were not received, or not acceptable
Final Business Response /* (4000, 14, 2015/12/17) */
The last deposit posted to the account occurred on 11/25/It was from the Veteran's Administration and the amount was $The customer account was reopened to allow the customer to remove the remaining fundsThe account now has a $balance and has been closedThe customer may destroy and discard any remaining Visa cards
No additional deposits will post to the account and will be returnedWe recommend that the customer contact the Veteran's Administration to make arrangements for future benefit payments to avoid any delays
Final Consumer Response /* (4200, 16, 2015/12/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now has mailed new debit cards to me and my son mid December (XXXX) to the *** address they say is invalidI have mail and emailed these letters to the appropriate agencies including Account now and the FDIC

On June 9, 2017, upon review of the cardholder’s complaint rebuttal, no new information has been provided and AccountNow has determined that the original dispute denial resolution will standThje cardholder may contact AccountNow with any remaining questions at *** ***

Initial Business Response /* (1000, 5, 2016/01/13) */
On 1/9/the customer reported an unauthorized withdrawal for $at an ATM located at Mineral Wells, Paris, TennesseeThe customer stated that she was at home and in possession of the Visa card when the transaction was performedWe
advised the customer that for her protection her card would have to be closed and a replacement card would be issued to herThe customer requested the opportunity to withdrawal funds before the account was restricted and the customer performed a withdrawal for $bringing the account balance down to $The card was then closed and a replacement card was issued
The customer was advised we required a written noticeWe advised the customer how to obtain the Written Notice form, we provided our fax number and we requested the customer provide the Written Notice by 1/25/We advised the customer that her dispute would be assigned to a Dispute Representative, and that a decision on whether a provisional credit would be issued would be completed by 2/8/We advised the customer that the Dispute Representative will be contacting her throughout the processing of her dispute
The customer may contact us at (XXX) XXX-XXXX with any additional questions

Initial Business Response /* (1000, 5, 2015/09/03) */
On 8/21/we contacted the customerThe customer stated she had lost her existing card and requested a replacement card be expedite shipped and she agreed to pay the expedite fee
The replacement card had been shipped using first class mail
on 8/18/
The customer was offered an option for a second replacement card to be expedite shipped to her at no feeThe customer stated that she would check her mail and contact AccountNow to advise if the replacement card had not been received by 8/22/
On 8/24/15, the replacement card was activated and the customer is performing transactions
On 8/25/15, the customer called to confirm receipt of the replacement card and to state that she is satisfied with the resolution of this complaint
We consider the issue closed
Initial Consumer Rebuttal /* (2000, 7, 2015/09/08) */
9-8-
Sent via email:
*** ***
Good evening *** thank you for contacting meYes the issue with AccountNow has been satisfiedIf there is anything else you need feel free to contact meVia email preferably ***@gmail.com
Thank you again
*** ***

On August 24, and August 30, 2017, Ms*** contacted AccountNow through our automated system, chose the option to have the card replaced and expedited. Please refer to your terms and conditions under the “Fees” section states: Express Delivery Charge (DR ADJ EXPEDTD FEE; SVC CHG
EXPED CARD) An amount charged each time you request that a Card be delivered to you on an expedited basis (within business days).On August 24, 2017, the cardholder locked herself out of the customer center due to a CVV failure. The cardholder was requested to send in verification documents to include the front of the card and her identification card.On September 7, 2017, we received a photo identification card, a social security card and a utility billThe CVV lock was removed from the online website for the cardholder’s accountUpon receipt of this complaint, AccountNow has reversed the additional $expedited fee that was charged on the account as a courtesyThe cardholder may contact AccountNow with any remaining questions at *** ***

We are only able to release account information to the customerThe customer may contact us at *** ***

On February 23, 2017, the cardholder had an ACH tax deposit post to her account in the amount of $
On March 15, 2017, the account was closed due to a notification of two mismatch name tax deposit pending to post to the account. Both of the mismatch name ACH direct deposits
were rejected and verification documents were requested from the cardholder in order to receive the balance on the account via a check and permanent closure of the account
On March 16, 2017, we received the cardholder photo identification card, a social security card an verification of address that was not current
On March 21, 2017, we received the cardholder’s current proof of address and submitted a final check request in the amount of $
On March 23, 2017, the check requested was approved for processing
On March 31, 2017, the cardholder contacted AccountNow regarding the check, the agent advised the cardholder that the check had been processed and to allow 2-weeks for receipt
On April 3, 2017, the cardholder received and cashed the check in the amount of $The cardholder may contact AccountNow with any remaining questions at *** ***

Initial Business Response /* (1000, 8, 2015/07/21) */
We followed the RegE guidelinesWe issued a provisional credit on 6/26/which was in accordance with Regulation E, while we completed our investigationThe merchant advised us that an error had not occurredWe mailed a letter on 7/8/
informing the customer that the provisional credit would be reversed on 7/15/We reversed the provisional credit on 7/15/

On August 17, 2017, our institutional bank, Meta Bank, submitted a referral to AccountNow to close the account due to suspicious activity with GTL*INMATE PHONE SVC *** AL USAAccountNow requested for a photo identification card and a utility bill for a check with the remaining
balanceUpon receipt of this complaint, AccountNow has attempted to reach out to the cardholder at the telephone number listed in the complaint with no responseWe have processed an expedited check with the remaining balance of $487.37, to the address listed in the complaintPlease allow up to business days to receive this checkThe cardholder may contact AccountNow with any remaining questions at *** ***Tell us why here

Initial Business Response /* (1000, 6, 2015/07/30) */
Our research has determined that the cards that were purchased and funded on 06/25/by the customer, were each registered on the same day, after the funding occurred
The customer has indicated that she has contacted Law Enforcement and
filed a police reportWe have records of the registration names and IP (Internet Protocol) addresses which were used to register the cardsWe also have records of the transactions which occurred after the registrationsWe request that the customer provide law enforcement with the AccountNow contact information listed below so that we may assist law enforcement with the investigation by providing the records::
Custodian of Records
AccountNow
*** XXXXX
Email: ***@accountnowinc.com
Fax: (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 8, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Although I will provide law enforcement with the informationI believe the company knowing the information that they do concerning the cards should issue me a refund
Final Business Response /* (4000, 13, 2015/08/17) */
We reiterate that the accounts that we identified were registered after they were funded, not before as indicated in the complaintAfter the accounts were registered, the funds were removedBased upon the facts available to us, we believe this is a case for law enforcement to investigate
AccountNow will cooperate with Law Enforcement upon receipt of a subpoena for records
The AccountNow law enforcement contact information is:
Custodian of Records
AccountNow
*** XXXXX
Tel # (XXX) XXX-XXXX
Fax # (XXX) XXX-XXXX
Final Consumer Response /* (4200, 15, 2015/08/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I said that I purchased the cards but did not register them until 6/only to find out they were already registered and the money removedI have contacted the Federal Trade Commission as well as Consumer FinanceMy attorney is also returning from vacation this weekI cannot believe a copy that has received all the required documentation from me (receipt and copy of cards) is still refusing to refund my money

Initial Business Response /* (1000, 6, 2015/08/24) */
On 8/4/15, we received a call from an individual who reported the card was misplacedOur policy is to restrict a misplaced card to protect the accountWe received a second call and the caller asked to have the name changed on the account in
order to receive a direct depositThat caller stated she did not know why the account was restrictedWe believe that we have received calls from individuals pretending to the customer and we have close the customer accounts to protect customer funds
On 8/24/15, a telephone call was placed to the customer to advise that all accounts are closed and that a check for the remaining balance will be mailed upon address verification
Initial Consumer Rebuttal /* (2000, 8, 2015/08/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
As soon as they got the complaint my money was sent back its ridiculous that it took all that to resolve the issue

On May 10, 2017, the cardholder contacted AccountNow to inquire about the time frame for a recipient to receive a bill payment that was processed on May 3, in the amount of $1,The agent advised the cardholder that it
can take up to business days for the recipient to receive the bill payment checkOn May 12, 2017, the cardholder contacted AccountNow to request for the bill payment in the amount of $1,to be stopped due to the recipient had not received the bill payment checkThe agent advised the cardholder that the fee to stop the bill payment was $20.00, and the cardholder advised that she did not want to pay the $fee to stop the bill paymentThe agent advised the cardholder to allow one more week for the bill pay recipient to receive the check

Initial Business Response /* (1000, 5, 2015/09/01) */
This account was opened on 7/31/A deposit was received on 8/12/and the account was restricted by AccountNow on 8/15/due to activityOn 8/19/15, we permanently closed the account
During an 8/19/call, Ms*** confirmed her
Name and Email Address were linked to an AccountNow account, however the Social Security Number, Date of Birth and deposit posted to the account were not hersMs*** stated that she did not have any other incidents of Identity Theft and that she has not contacted law enforcement about this incidentMs*** did request that we block her email address from additional use at AccountNow and we have done thatMs*** stated there were no additional questions or open issuesWe consider Ms***'s complaint resolved

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

Initial Business Response /* (1000, 8, 2015/07/21) */
The $card replacement fee has been reversed

On 1/26/we received the attached two documents. One of the documents is a REPRINT *void* receipt from *** ** ***, for a partial transaction in the amount of $It also states the customer made a payment to VC in error. Paid Double. Voiding Per Customer’s Request This receipt does not indicate a transaction in the amount of $nor does it specify to release the hold in the amount of $It appears that $was due and the cardholder paid the amount twice in error for a total of $The second document is an email provided by the cardholder from the merchant stating that the payment you submitted earlier, in the amount of $(different than the amount of the hold $309.96), has been voided from our system
As indicated in the prior response, neither of the documents provided indicate that the merchant is requested AccountNow/Green Dot to release the hold in the amount of $from the cardholders account. Because the documents provided did not indicate such, the cardholder was instructed to wait for the hold release date. On February 2, 2017, the hold in the amount of $released back into the cardholder’s account and the cardholder has been actively using the funds.Tell us why here

Initial Business Response /* (1000, 5, 2015/04/23) */
The policy is in place to protect the funds of our customersThe balance has now been removed from the card