A Locksmith

There are no $debit transactions on the customer account from 3/9/On 3/29/we called the customer to review his complaintWe were unable to reach the customer and there was no voicemail option.The customer may contact us at (*** ***

On March 31, 2017, the cardholder contacted AccountNow regarding a direct deposit. The agent advised the cardholder that there was no notification of the direct deposit.
On April 3, 2017, the cardholder contacted AccountNow regarding her ACH direct deposit. The agent advised
the cardholder that the ACH direct deposit from COUNTRYWIDE *** in the amount of $posted to the account
On April 5, 2017, AccountNow posted a $courtesy credit to the cardholder’s account for the inconvenience of the direct deposit delayThe cardholder may contact AccountNow with any remaining questions at *** ***

Initial Business Response /* (1000, 5, 2015/12/24) */
The customer account was closed due to multiple callers contacting AccountNowWe advised the customer that a check for the account balance would be sent to the address on fileThe customer requested that the check be sent to an alternate
address and we requested the customer provide verification that she was associated with the alternate address
On 12/21/15, the customer requested that the funds be sent to the address on fileA check was sent via UPS courier and the customer received the check on 12/23/at 1:21PM

Complaint: ***I am rejecting this response because: Pull the ATM surveillance footage, I am sure you would see who really used my card if anyoneAlso customer service told me NOT to order a new card until I went to Walmart and attempted a cash back transaction as it would block my card and make it in accessibleI did promptly while after the transaction at Walmart I called and we/you were to send me a new card, Aka blocking my cardI had no need to change my pin as I had not suspected fraud until I checked my account for an expecting payroll depositYou need to contact the merchant of this ATM and do a better investigation (pull security video) that would tell you right off the bat if I am responsibleAlso keep in mind every conversation I had with you company was recorded though my phone, so if you would like a lovely mpfile I can send it awayI request my $402.xx back and I have still to this date not received my replacement card.Sincerely,*** ***

We apologize for the inconvenience that the customer experiencedOn 4/1/we contacted the customer and provided a courtesy credit for the system problem that she experienced on 3/24/We will also review the customer's report of problems accessing a live customer service agent

Complaint: ***I am rejecting this response because: My card was stolen and uninformed about the transactions on my online accountI called the company as soon as I was aware and told them the card was not in my possessionMy card was used in a different of my location and the company refuses to do anything about it. Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/06/16) */
We apologize for the delay in respondingWe have completed a review of the account and find that referral payments were eligible to be paidWe credited on 6/16/and the remaining on 6/17/
Please note that there is a delay
in applying the credits from the date of eligibilityThis is outlined in the terms
Initial Consumer Rebuttal /* (3000, 7, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The referral payments is less than half submitted in this complaintI would like to know which referrals were paid and which were not and why notSince this time more referrals have not been paid
Final Consumer Response /* (3000, 10, 2015/07/20) */
7-20-
Sent email to consumer regarding status of complaint
Sent via email from consumer:
Unfortunately noThey always claim to be working on it but never get a reply from them
Final Business Response /* (4000, 14, 2015/08/05) */
***Document Attached***
In this complaint the customer stated he had not been paid for qualifying referralsWe performed a review and credited the customer account for eligible referralsIn a rebuttal, the customer states that he is still due unpaid, qualifying referralsOn 8/4/the customer stated he would provide a listing of the non-paid referrals via email on 8/4/15, to assist us in our researchWe advised the customer that upon receipt, we will research and provide him with a statusThe customer later said that he would email the details during the weekend of 8/8-8/9/
Upon receipt we will review and contact the customer with the status
The customer is reminded that the Terms and Conditions for the referral program contain a maximum payout of referrals and $We are providing the Terms and Conditions for the program

Initial Business Response /* (1000, 5, 2016/03/30) */
The Issuing bank restricted the customer account due to deposits belonging to a third partyThe Bank required provided the requested copies of the customer's current ID, Social Security card, recent utility bill and current ID and the Social
Security card for third partyThe Bancorp Bank also stated that the third party must provide a notarized letter authorizing ACH credits in the third party's name to the account
On 3/24/the customer provided the documentation that was requested and the restriction was removed from the account
Initial Consumer Rebuttal /* (2000, 7, 2016/04/04) */
The issue has been resolvedThank you

On August 6, 2017, the cardholder received a refund without an offsetting debit in the amount of $from the merchant MAURICE'S *** *** ** *** On August 7, the account was blocked for verification documents of the refundWe requested the cardholder provide the original
purchase receipt for verification On August 11, through August 15, 2017, the cardholder called in several times for the status of the account and was advised to send in the original purchase receipt On August 16, 2017, we received the cardholder’s original purchase receipt for $refund from the merchant MAURICE'S *** *** ** *** On August 17, 2017, AccountNow reviewed the original purchase receipt received via fax and reopened the cardholder’s accountThe cardholder may contact AccountNow with any remaining questions at *** ***Tell us why here

On February 23, 2017, the account received an ACH direct deposit in the amount of $
On March 3, 2017, the cardholder contacted AccountNow regarding processing a card to card transfer to another account outside of AccountNow. The agent advised the cardholder that a card to
card transfer could not be processed but that she could do an ACH transferThe cardholder indicated that she was not pleased with AccountNow and wanted to close the accountThe agent offered the cardholder to spend the funds down before closing the account and the cardholder declined as she just wanted to close the account out. The agent submitted a check request
On March 4, 2017, the cardholder contacted AccountNow regarding the status of the check request, the agent verified the address and advised of the timeframes.
On March 6, 2017, the Customer Care research department reached out to the cardholder as the check request indicated she wanted the funds transferred to another bank accountThe customer care agent advised the cardholder the check request timeframes are 2-weeks. The customer care agent offered the cardholder the option of doing a bill payment and the cardholder agreed. A bill payment was processed in the amount of $and $900.00.
On March 8, 2017, the cardholder contacted AccountNow for the status of the bill payment, the agent advised that it was in process
On March 9, 2017, the cardholder contacted AccountNow for the status of the bill payment, the agent advised that it was in process
On March 13, 2017, the cardholder contacted AccountNow for the status of the bill payment, the agent advised that it was in process
On March 14th and March 15th, 2017, the cardholder contacted AccountNow regarding the two bill payments for $and $and indicated that they had not been received.
On March 15th, 2017, the cardholder requested to cancel the bill payments. The agent advised the cardholder of the cancellation fees as well as advised the cardholder once cancelled if she was to receive the checks they would no longer be able to be cashed. The agent advised the cardholder the cancelled Bill Payment could take up to ten business days to be refunded back to the account and the cardholder agreed
On March 22, 2017, the cardholder contacted AccountNow for follon the bill payment stop request. The agent advised the cardholder of the timeframes.
On March 25, 2017, the cardholder contacted AccountNow for follon the bill payment request the agent advised the cardholder to allow until the end of the business day
On April 6, 2017, the bill payment refund in the amount of $and $posted to the cardholders accountA customer care agent contacted the cardholder to adviseAs of 4/7/the cardholder has exhausted all of the funds in the account.
On April 18, 2017, per the cardholder’s complaint request the account has been permanently closedWe apologize for any inconvenience this may have caused the cardholderThe cardholder may contact AccountNow with any remaining questions at *** ***.Tell us why here

On August 2017, we received the cardholder’s written notification claiming the transaction for $from PARKER SCHOOL UNIFORMS *** *** TX USAwas never receivedOn August 29, 2017, AccountNow filed a dispute indicating the transaction for $from PARKER SCHOOL UNIFORMS ***
*** TX USAwas unauthorizedOn August 31, 2017, the merchant PARKER SCHOOL UNIFORMS *** *** TX USAsubmitted a refund for the $transactionLater this day, the dispute final resolution letter was mailed to the cardholderOn September 1, 2017, the cardholder contacted AccountNow requesting for a check with the remaining balance of $to be sent to the address on fileOn September 7, 2017, AccountNow processed the check in the amount of $to the cardholder’s address on file, please allow up to 2-weeks to receiveAccountNow has looked into the issue of the card being closed due to the disputeWe do find that an error occurred and apologize for the inconvenience you may have receivedWe have provided feedback and training in regards to the agent who filed the dispute incorrectly and closed the cardThe cardholder may contact AccountNow with any remaining questions at *** ***Tell us why here

Upon receipt of the complaint, AccountNow has re-reviewed the call prior when we received the original Revdex.com complaint on July 3, 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

First of all, the authorized transactions for McGraw hill and SFCC were via linked payment method via service providersSecond of all, I clearly stated that my entire wallet and Android were lost/stolen which both contained all my accounts info, including my wallet which had my pin # for what card and my license, s.scard, etcand Android had my accounts shortcuted to main screen for ease of access to accounts which would also explain the "accessed from same IP address numerous times"! Do the math, how can anyone incorrectly enter pin, or whatever if all the info is right in front of them? Duh! Third, I wasn't even in Washington State during the posted transactions that took placeI was clear across the country in Schenectady New York dealing with a dying relativeAnd I cloned my wife's Android to my Android and by cloning them the IP address was cloned as well even a third grader would know that muchAlso, I have been fed every excuse in the book by your establishment as to why I'm still waiting or whatever and honestly it's getting pretty upsetting to deal with. Complaint: ***I am rejecting this response because:Sincerely,*** ***

Initial Business Response /* (1000, 5, 2015/11/16) */
Unmatched refund transactions are refunds that do not have a matching sale transaction on the accountUnmatched refunds are considered suspicious activity because a refund should only be credited back to the account used for the original
purchase
On 11/6/15, the customer's account received a WalMart refund for $The customer account also received an attempted refund from TargetThe customer account was not used for the purchase transactions and we restricted the account to request a copy of the original sale receiptsOn 11/7/15, we advised the customer that we required a copy of the original sales receipt for each unmatched refund transactionThe customer refused to provide the requested documentation
On 11/10/15, we made a one-time exception for the customer and reopened the accountWe were unable to reach the customer and we left messages on both of the customer's telephone numbers and we emailed the customerOn 11/10/15, the customer contacted AccountNow and was advised that the account had been reinstated
The customer has removed all funds from the account and on 11/12/the account was closed as the customer requested in the Revdex.com complaint

Initial Business Response /* (1000, 5, 2015/05/22) */
We have attempted to call the cardholder to see if she would still like copies of the statements and if so what monthWe have not heard back
The error claim was finalized on 5/20/

On August 2, 2017, the cardholder made a cash load of $and on August 3, 2017, the cardholder made a cash load of $to her card ending in ***The card ending in *** expired July A replacement card was sent in June 19, to the address on file, but the cardholder did not
receive it
Upon receipt of this complaint, September 7, 2017, AccountNow replaced the reissued card to the address on file and that matches the address listed in the complaint receivedPlease up to business days to receive the replacement card ending in ***As a courtesy, AccountNow has reversed the monthly maintenance fee of $The 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 April 29, 2017, two transactions with the merchant *** *** in the amount of $and $68.56, posted to the cardholders account on card ending in ***. These two transactions exceeded the cardholder’s current balance which was $and as a result it caused the account to go
overdrawn in the amount of $
Per the cardholder agreement it states;
Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable feesYou are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactionsNevertheless, if a transaction exceeds the balance of the funds available on your Ca rd, you shall remain fully liable to us for the amount of the transaction and any applicable fees
On May 19, 2017, the account had not cured the overdrawn balance of $and AccountNow closed the account to prevent further transactions from posting to the account which would cause the balance to become more negative. Because the account was closed prior to the cardholders May 25, 2017, direct deposit, it caused the direct deposit to reject and be returned back the originatorThe account must stay closed at this time, as we have gone back to the merchant *** *** and processed a chargeback to attempt to recover the overdrawn fundsThe cardholder may contact AccountNow with any remaining questions or to open a new account at *** ***

Initial Business Response /* (1000, 8, 2015/08/07) */
Three IRS tax refunds posted to this account on 2/10/15; $4620.00,$and $These deposits were removed from the account on 2/18/and were returned to the W&I division of the Internal Revenue Service in Fresno, CaliforniaThe
IRS does not provide additional information once funds are returned and all customer questions must be directed to the IRSOn 7/27/15, the customer provided the name of an IRS employee, ***, and requested we speak to her about the status of the returnsOn 7/28/15, *** ***, who is an employee in the W&I division in Fresno, was provided with the details surrounding these returnsMs*** stated she would perform research based upon these details, and would follow up with the customerAccountNow has no further information to provide
Initial Consumer Rebuttal /* (2000, 10, 2015/08/17) */
(The consumer indicated he/she ACCEPTED the response from the business.)

On March 31, 2017, the cardholder contacted AccountNow regarding a direct deposit. The agent advised the cardholder that there was no notification of the direct deposit. The cardholder later called regarding the direct deposit that had not posted. The agent advised the
cardholder to give the deposit until 2:00pm to post. We later learned that there was an internal issue causing a delay in ACH direct deposits posting to cardholders account
On April 3, 2017, the ACH direct deposit in the amount of $posted to the cardholder’s account.
On April 5, 2017, AccountNow posted a $courtesy credit to the cardholder’s account for the inconvenience of the direct deposit delayThe cardholder may contact AccountNow with any remaining questions at *** ***