A Locksmith

Initial Business Response /* (1000, 8, 2015/07/21) */
The account we have located for the consumer has never been fundedThere has not been any transaction activity

Complaint: *** I am rejecting this response because: I called *** **ilities and account now and put them on the phone at the same time .*** **ilities explained and said she sent over another document for stating the full amount , but it does not matter anymore I have canceled the card and moved on to a actual bank accountI know what I experiencedThey act like they didn't even careI know many people that have been complaining about this card .I just hope they don't get to continue treating people they way they do.only I know what I experienced of course they aren't going to be honest ! Thank you for the timeSincerely,*** ***

On February 27, 2017, the cardholder processed a bill payment for the amount of $
On March 2, 2017, the cardholder contacted AccountNow indicating that the bill payment had not been received. The agent transferred the cardholder to the bill payment department for follow-up.
On March 3, 2017, the cardholder contacted AccountNow regarding the bill payment and indicated that he made a mistake on the bill payment. The agent transferred the cardholder to the bill payment department for further assistance
On March 17, 2017, the cardholder contacted AccountNow to cancel the bill payment, the cardholder was advised the timeframe for stopping a bill payment is business days.
On March 20, 2017, the cardholder contacted AccountNow for status of the stop bill payment and there was not update
On March 21, 2017, the cardholder contacted AccountNow regarding the stop bill paymentThe agent advised that there was no update and submitted an escalated request for follow-up
On March 22, 2017, March 31, 2017, April 4, and April 5, the cardholder contacted AccountNow for follon the stop bill payment and each time the agent advised that it was in process and that there was no update
On April 6, 2017, the refund in the amount of $for the stop bill payment posted to the cardholder’s account
On April 18, 2017, upon review of the complaint we have issued a $courtesy credit to the cardholder’s account for the inconvenience and the delay of the refund postingThe cardholder may contact AccountNow with any remaining questions at *** ***

On June 30, 2017, the cardholder contacted AccountNow and filed a dispute indicating that the transactions for $from Family Dollar, $from McDonalds and $from Culvers were unauthorizedThe agent advised the cardholder to provide the dispute written notification
On July 1,
2017, the cardholder contacted AccountNow and filed another dispute indicating transactions for $from Walgreens, $from Eleven and $from Chipotle were unauthorizedThe cardholder advised that the transaction for $from Culvers is a valid charge and it was removed from the dispute
On July 3, 2017, we received the cardholder’s written notification
On July 7, 2017, an AccountNow investigator concluded its investigation and determined the following:
The cardholder is disputing transaction(s) as no-auth card in possession
The disputed transactions occurred from June 28, 3:36:PM CST until June 29, 9:12:PM CST
The cardholder has undisputed card present transactions before (TARGET T-$June 28, 1:23:PM), in-between (TEXAS ROADHOUSE #$June 28, 10:02:PM, FRYS FOOD & DR $June 28, 11:20:PM, W LOWER BUCKEYE RD $June 29, 2:49:PM, CAFE RIO $June 29, 3:23:PM, WABA GRILL $June 29, 3:31:PM, CIRCLE K $June 29, 5:44:PM, CULVER'S OF AVONDA $June 29, 7:34:PM) the disputed transactions
There were not any balance inquiries or any declined transactions on the card while the disputed transactions occurred, yet the account balance was almost depleted, which would indicate that the user of the card knew the balance on the card
The account shows two prior transactions from CHIPOTLE since February 13, and three prior transactions from MCDONALD'S Fsince June 1, which appears to indicate that the cardholder had participated with the merchant prior to the disputed transactions occurring
Based on the information provided by the cardholder and information obtained within our internal records, we have determined that no error occurred
On July 14, 2017, upon receipt of the complaint, an investigator contacted the cardholder at the telephone number provided and a message was leftLater that day, the cardholder contacted the investigator back advised that she wasn’t in Florida and didn’t do any charges thereWe asked the cardholder if she was the one who made the transactions for Chipotle, Culver of Avondale, and McDonald’s, the cardholder confirmed she did those transactions and she couldn’t understand the agent when they were reading the transactions and so the cardholder thought they were occurring in FloridaThe investigator advised the cardholder that we would re-review the dispute claim and contact her back
On July 18, 2017, we have determined that this is a case of skimmingWe have issued the cardholder a final credit of $312.75, $and $for a total of $The investigator has also contacted the cardholder at the telephone number provided to advise of our outcome of the dispute re-reviewThe cardholder may contact AccountNow with any remaining questions at *** ***
Tell us why here

Please be advised, Green Dot temporarily disabled the Send Money feature on August 17, 2017. The feature was reinstated on August 31, Green Dot apologizes for any inconvenience this may have causedThe cardholder may contact Green Dot formally AccountNow with any remaining questions
at *** ***

Initial Business Response /* (1000, 5, 2015/10/27) */
The Customer has two accountsAccount XXXXXXXXXXX and account XXXXXXXXXXX
On 7/31/15, the customer filed a dispute for an unauthorized transaction on account XXXXXXXXXXXThe total amount of the dispute was $This dispute was denied
and a letter was sent to the customer on 8/14/Our denial was based upon our investigation which revealed that the customer had possession of his Visa card, as stated in his recorded call with AccountNow, and that the merchant verified the customer identity as part of the disputed transaction
On 10/2/the customer filed a second dispute for unauthorized transactions which occurred on account XXXXXXXXXXXThe total amount of the dispute was $This dispute was denied and a letter was sent to the customer on 10/12/Our denial was based upon our investigation which revealed that contrary to the customer's claim of non-receipt of his Visa card, we show the card was activated from the customer telephone number on fileResearch also shows that while the disputed transactions occurred, the customer checked his account balance times from the telephone number on file
On 10/13/15, AccountNow contacted the customer at the same telephone numberWe advised the customer that his 10/2/dispute was denied and we provided the reasonsThe customer was upset about his claim being denied and stated that he was not going to be speaking directly to us anymore and that he would be filing a complaintThe customer then disconnected the call
On 10/14/15, we exercised our right to close the customer accountsWe called the customer to inform him that account XXXXXXXXXXX was closed with a $balanceWe advised the customer that account XXXXXXXXXXX had a remaining balance
The customer confirmed his address and a check for the remaining balance was sent to the customer on 10/15/
Initial Consumer Rebuttal /* (3000, 7, 2015/10/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with someone and the only advise I was told was that I needed to send my birth certificate dl social security card proof of address and after so my account would be unlocked ...in whikch I kept my end of what was asked of me
And there alleging I activated my card by calling from the phone number on the account and that I checked my balance several times well when yu call customer service number and enter your social security number and your birthday and your let into the account so how am I the one that spent the money when I have said several times I didn't do it and for proof and I have yet to receive it
Final Business Response /* (4000, 9, 2015/11/13) */
On 10/14/15, we called the customer at XXX-XXX-XXXX to inform him of the account closure, and the customer stated that he understoodWe advised the customer that a check for the remaining balance on his other account, XXXXXXXXXXX, would be sent to himThe customer confirmed his address: *** XXXXXA check was mailed to the customer on 10/23/
On 11/9/15, the customer stated that he did not recall receiving the check, however he would look for itThe customer also requested the reason for his dispute denial in writingWe advised the customer that the reasons were provided with the 10/27/Revdex.com response
Our response stated that calls were received from the customer while his disputed transactions were occurringThe customer requested documentation to support the callsWe are providing log records for the customer calls on 7/31/15, 8/12/and from 8/31/to 9/30/
The customer also requested copies of his dispute denial letters and we are providing the August 14, and October 12, letters
Final Consumer Response /* (4200, 11, 2015/11/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I dont feel as tho they proved why I dont deserve my money back .and was wondering do I have any legal grounds its over of my social security disability money I am on a fixed income and as the result of this company allowing some one other then my self to steal my money I have been evicted from my apt and lost everything I owned
AND I WISH FOR THE COMPANY TO STOP CALLING ME BECAUSE THERE EXTREMELY RUDE AND LIE AND TWIST MY WORDS AROUND I ASK FOR MANAGEMENT AND NEVER CAN GET NO ONE

We have reviewed the ACH warehouse for the past months, and there has been no ACH activity for any transaction with the account information provided by the cardholder. If the cardholder can provide the ACH trace number from the originator we will be happy to provide further research. Tell us why here

On September 5, 2017, the cardholder contacted AccountNow to advise that he needed to cancel the MoneyGram transaction for $due to the wrong city and state he provided on August 30, The agent submitted the request to have the funds returned and advised that it can take up to 7-
business days to receive the refundOn September 18, 2017, we received the $back from MoneyGram and posted the funds to the accountWe do apologize for any inconvenience that this may have caused our cardholderThe cardholder may contact AccountNow with any remaining questions at *** ***Tell us why here

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, *** ***

On February 22, 2017, the account received an ACH deposit in the amount of $
On February 23, 2017, the account received an ACH deposit in the amount of $The cardholder contacted AccountNow as she requested to add her husband as the second cardholder on the accountThe
cardholder failed the security questions and verification documents were requested.
On February 24, 2017, the account was restricted due to purchase cash back activityVerification documents were requested to include a copy of the photo identification card and a utility bill
On February 25, 2017, the cardholder contacted AccountNow as she was unable to use the card, the agent advised the cardholder that the account was blocked and verification documents were needed. The agent advised the cardholder of how to send the verification documents
On February 27, 2017, the cardholder contacted AccoutnNow in regards to documents she sent through emailThe agent advised the cardholder that documents are not received through email but through fax or our upload site
On February 28, 2017, the cardholder contacted AccountNow regarding the document status. The agent advised the documents were received and advised of the review timeframes
On March 2, 2017, we reviewed the cardholder’s photo identification card only. The cardholder needed to provide a utility bill
On March 3, 2017, the cardholder contacted AccountNow regarding the documents. The agent advised the cardholder that the photo identification card had been received and a utility bill was still needed
On March 6th thru March 8th, the cardholder contacted AccoutnNow for the status of her documents. The agent advised that he documents were received and advised of the review timeframes
On March 8, 2017, we reviewed the cardholder’s bill for address verification and the restriction was removed. The cardholder has been actively using the card since
The cardholder may contact AccountNow with any remaining questions at *** ***

complaint can be cancelled seems like they responded to my complaint

On May 13, 2017, a high risk merchant Amazon posted a refund to the cardholders account in the amount of $The account was restricted for Verification documents to include a photo identification card, a bill and a copy of the original purchase receipt
On May 15, 2017, the
cardholder contacted AccountNow in regards to the restriction placed on the accountThe agent advised the cardholder that verification documentation were needed to include a photo identification card, a bill and the original purchase receipt to verify the Amazon transaction
On May 16, 2017, the cardholder submitted a photo identification card and the order receipt for the Amazon transactionThe risk agent that reviewed the documentation requested the cardholder provide a current bill
On May 18, 2017, the cardholder contacted AccountNow to follon her documents. The agent advised the cardholder to call back for an update
On May 19, 2017, the customer care department received an escalated complaint regarding the account restrictionThe customer care agent reviewed the account with the risk department and determined that the original transaction posted to the account on April 1, 2017, and that the documentation received on May 16, was validThe restriction was removed from the account
On May 22, 2017, upon review of the complaint Accountnow reversed the 3/29/$monthly maintenance fee for any inconvenience this may have caused the cardholderThe cardholder may contact AccountNow with any remaining questions at *** ***

We have not received any additional facts or information regarding the claimWith the facts available to us, the denial decision will standThe cardholder may contact AccountNow with any remaining questions at *** ***.Tell us why here

On June 16, 2017, the cardholder contacted AccountNow and filed a dispute indicating there were unauthorized transactions on his accountThe agent filed the dispute and issued a replacement card. The agent advised the cardholder to provide written notification regarding the dispute
On
June 20, 2017, the cardholder submitted his written notification to AccountNow
On June 27, 2017, an AccountNow investigator concluded its investigation and determined the following:
The account was funded by six cash loads between June 8, and June 14, 2017, followed by the first disputed transaction on June 15,
There were not any balance inquiries made on the card while the disputed transactions occurred yet the balance was depleted, which indicates the user of the card was aware of the recent cash loads that funded the account
There were not any attempted card present transactions made on the card after it was blocked on June 16, 2017, which indicates the user of the card was aware it was blocked without attempting a transaction
On June 15, at 2:42PM ESTThe cardholder called in from his confirmed telephone number: 704-918-The cardholder stated that he is unable to buy a money order with his cardThe cardholder verified the last four digits of his card ending inThe agent advised him of the spending limitsThe cardholder did not state his card was stolen or report an unauthorized activity on the accountWe compared the voice of the customer service call to the dispute call and the voices match
Based on the facts available to us, we do not find that an error has occurred
On June 28, 2017, the dispute final resolution letter was mailed to the cardholder
On June 30, 2017, the cardholder contacted AccountNow regarding an update on the disputeThe agent advised the cardholder that the dispute final resolution letter was mailed and to wait for the letterThe cardholder may contact AccountNow with any remaining questions at (*** ***.Tell us why here

Final Consumer Response /* (2000, 6, 2015/07/10) */
The issue has been resolve by the company they issue a full return

Initial Business Response /* (1000, 5, 2015/12/08) */
On 11/17/15, the customer disputed transactions which occurred from 10/14/through 11/17/The customer later limited the dispute to transactions involving international merchants for a total of $Our investigation revealed that
the customer was in possession of her Visa card and she accessed her accounts times while the transactions were postingThe customer also had deposits post to her account from 10/14/through 11/17/which funded the transactionsWe also show that the customer had a previous non-disputed transaction with the merchant named Belmore on the customer's other accountBased upon the facts available to us, it does not appear that there were errors and we denied reimbursement for the disputed transactionsOur investigation was concluded within days and we denied the customer claim, therefore no provisional credit was issuedOn 11/26/15, we sent a letter with the results of our investigation to the customer at the address listed on the account which is the same address listed on the Revdex.com complaint
If the customer has additional information that will contribute to our investigation we request that the customer contact us at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/12/10) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I had possession of my card, somebody got my card infoI did not order $worth of books, or gamesI am a hard working person who was taken by this thief and your companyyes there was a dispute, against that company which should prove to you that my info was stolennone of your rebuttals make senseI have several deposits going in to my card, and my transactions were withdrawals, or at a fast food chainThese transactions were made overseas, I have made a police report which I sent to account now, and I did not go to china, or oversees recentlyI will take this complaint as far as I have to to get my reimbursementMy kids lost a Christmas because account now failed to do what they say they will doi will seek all damages
Final Business Response /* (4000, 10, 2015/12/18) */
On 12/15/15, we called the customer and the customer stated that she had filed a police report and that she has other documentation which proves that she did not perform the disputed transactionsWe advised the customer that upon receipt, we will review the documentation to determine if there are additional investigatory channels which would change the outcome of her dispute
The customer provided a copy of the police reportWe did not receive any other documentation
The police report was filed with the San Bernardino police department on December 10, The report describes the disputed transactions, the denial by AccountNow and the customer's objection to the denial
Based upon the information that has been provided to us, we find no change in our decision is warrantedWe called the customer on 12/16/to inform the customer that our denial standsWe were unable to reach the customer and we left a message
Final Consumer Response /* (4200, 12, 2015/12/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with an account manager that was very rude, and did not want to hear any of the information I hadThe police report was approved, and the other documentation that I had which was my other bank reimbursing me for fraud a month prior to this, and concluding that there was fraud they did not want to seethey said that my other bank was irrelevant, the police report didnt matter, and that I am guilty because somebody accessed my online account during this timeWell somebody also stole $from me, so obviously they had my informationThese transactions were for crazy items, and in foreign countries, I do not even have a passportThey refused my documentation, and I also have recorded phone calls to prove that I have in fact been in contact with them since the 15thWhen I spoke to the account manager he was very rude, so I asked to speak to manager and he said there was not one on duty, so than I said another account manager and he told me noI asked him for his last name and he refused to tell me stating that he was not at liberty to tell me, and it violates privacyhis name was ***, or cesar or something of that nature, a very common name, and he cant tell me the last name? Than he hung up on my stating he was done talkingI record every phone call now, because I will be seeking reimbursement for the $This is a crime that was done against me, and account now has made me feel like the criminalthey violated the unauthorized use agreement twice from what I can see, and I will be seeking legal counselI just want a reimbusement for my funds, I am not asking for anything other than that they own up to thisI will spread the message that account now is not safe to every outlet I have to so this does not happen to anyone elsethis is a nightmare

Complaint: ***I am rejecting this response because:My money was really taken off my cardAnd they want to act like I took it, it's not about how much money, it's about account now is not loyal to the customer instead admitted that they might have a problem they put it all on you no I would not accept that I've want afurther investigation*** ***

Initial Business Response /* (1000, 5, 2015/05/22) */
We do apologizeA system issue caused the account to be erroneously closedThe deposit would have been returned on 5/6/and within - business hours should have been back in the account of the senderWe have requested a return trace
number and will provide that upon receipt for further investigation by the originator
Final Business Response /* (1000, 8, 2015/05/27) */
Here is the return trace number that may be provided to the payroll provider to locate the return:
XXXXXXXXXXXXXXX

Initial Business Response /* (1000, 5, 2015/04/20) */
A dispute was filed, the amount of the dispute credited and a check mailedThe card has been closed so all additional deposits were returned to the senderMr*** will need to contact the sender
Initial Consumer Rebuttal /* (3000, 7,
2015/04/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never got final settle amount are a check
Final Consumer Response /* (4200, 11, 2015/05/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I was only refund out the
Final Business Response /* (4000, 14, 2015/06/17) */
We have refunded the total amount in the account of $195.67, which was the amount after the credits were issued for the error claim
We do not have any record of a deposit directed to the account in the amount of $If Mr*** directed a deposit to the account, he should contact the sender for a statusIf he would like us to research we will require a trace number to further research the account

Initial Business Response /* (1000, 5, 2016/01/27) */
On 1/26/we called the consumer and requested information in order to identify the account in questionThe consumer stated that an account was opened in her husband's name
We identified the account and advised the consumer that a tax
refund had posted to the account on 2/12/and that the monthly fee of $was then posted to the account as defined in the Cardholder Agreement
The remaining balance of the tax refund was sent to the IRS W&I division on 5/6/The consumer stated she would contact the Internal Revenue Service for further assistance
We provided contact information to the consumer if she should have future questions