A Locksmith

On July 29, 2017, the cardholder contacted AccountNow and filed a dispute indicating transactions were unauthorized.
On July 31, 2017, we received the cardholder’s written notification.
On August 3, 2017, an AccountNow investigator concluded its investigation and determined the...

following:
There were no declined transactions due to invalid PIN, during the disputed transactions occurred.
Card in possession, PIN not mentioned during the dispute intake call.
There were no PIN updates, PIN was not changed immediately prior to the dispute.
Funds were not drained immediately.
There were not any attempted card present transactions made on the card after it was closed, which indicates the user of the card was aware the card was blocked without attempting a transaction.
Based on the facts available to us, we do not find that an error has occurred.
On August 4, 2017, the dispute final resolution letter was mailed to the cardholder.
The cardholder may contact AccountNow with any remaining questions at [redacted].Tell us why here...

On April 19, 2017, the cardholder contacted AccountNow and filed a dispute in the amount of $94.99 with the merchant WWW RIP HEALTH COM FAC ASHLEY ZYCH@RNY indicating that the transaction was unauthorized.  A replacement card was issued.
 
On April 20, 2017, we received the...

cardholder’s written notification.
 
On April 21, 2017, the cardholder contacted AccountNow and was granted a one-time access to his funds while he awaited the replacement card.
 
On April 24th and April 25th the cardholder contacted AccountNow to follow up on the dispute, the agent advised the cardholder that the dispute was still in process.
 
On April 25, 2017, an AccountNow investigator concluded its investigation and determined the following:
There was previous history with WWW RIP HEALTH COM for $2.95 on March 29, 2017.
The investigator called the merchant WWW RIP HEALTH COM FAC at the telephone number [redacted] and spoke with an agent.  The investigator provided  the agent with the cardholders name and address and confirmed that all information matched to our records for the cardholder
The agent confirmed that the cardholder made an order for a 14 day trial for a cream and eye solution.
The cardholder failed to cancel the product during the required timeframe. The original $2.95 charge on March 19, 2017, is for the shipping and handling fee.  The product was sent to the same address listed on file via USPS.
 
Based on the facts available to us we found that no error occurred. On April 27, 2017, the final resolution letter was mailed to the cardholder.
 
On April 27, 2017, the cardholder contacted AccountNow for dispute follow-up, the agent submitted a request to have the cardholder contacted.
 
On April 1st and April 3rd the cardholder contacted AccountNow regarding the dispute outcome, the cardholder requested a callback from an investigator.
 
On May 5, 2017, an investigator attempted to reach the cardholder at the telephone number provided but there was no answer and a voicemail message was left. The cardholder contacted AccountNow back and was advised that an investigator attempted to reach him.
 
On May 10, 2017, the cardholder contacted AccountNow requesting more information on why the dispute was denied.  The agent submitted a callback request.
 
On May 11, 2017, an AccountNow investigator contacted the cardholder at the telephone number provided and advised the cardholder of the specific denial reasons.  The cardholder was advised to contact the merchant for further resolution. The cardholder may contact AccountNow with any remaining questions at [redacted].
 Tell us why here...

Initial Business Response /* (1000, 5, 2015/05/19) */
We reviewed the documentation provided. We also contacted the merchant where the customer filed a claim. They advised us of the outcome and that they advised the customer to take the matter up with the seller. We do not have any recourse in...

this matter. The customer should contact the seller as advised by the merchant.
We will not refund the amount in question as this matter is between the customer and the seller and we have provided our decision in a letter mailed to the customer on 5/18/15.
Initial Consumer Rebuttal /* (3000, 7, 2015/05/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response , in previous conversations I was told "not to contact the seller".This is just the outcome you get when dealing with companies that do not have the consumers interest only their own. As far as being mailed a letter (negative), I'm still waiting on the one for how the decision was made in reference to my claim. I would list the representative whom I spoke with if need be. I would also like to add that the decision was made prior to receiving the documentation so nothing was reviewed. It doesn't matter if I frequented a site XXXXXXxs before if the services weren't rendered on the XXXXXX time I have a right to complain!
Final Business Response /* (4000, 9, 2015/06/03) */
We conducted an investigation. We contacted the merchant, they advised that there was not an error and the recourse was for the customer to contact the seller.
This is our position in this matter. The customer will need to deal directly with the seller.
Final Consumer Response /* (4200, 11, 2015/06/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I followed protocol and I was unsuccessful dealing with the merchant what is the sense of having an account and I'm not protected. That's like saying my money is safer in the back of my closet. This company is just ridiculous and very unprofessional to say the least.

This account was funded with a federal tax refund on 2/3/16. On 2/5/16 we restricted the account due to the transaction activity. On 2/8/16 we provided the customer with the reason for the account restriction and the requirements to remove the restriction. We require the customer's photo...

identification, the customer's signed Social Security Card, the customer's utility bill and the customer must provide the names and reasons for the transfer activity.On 3/4/16 we received documentation from the customer that was inadequate. On 3/24/16 we called the telephone number on the account and it is disconnected. We called the telephone number listed on the complaint and we were unable to reach the customer. We left a message with AccountNow contact information.We request the customer call us at [redacted] to make arrangements to fulfill the requirements to reopen the account.

Initial Business Response /* (1000, 5, 2015/04/21) */
AccountNow did not assess any fee related to the stop payment request. Ms. [redacted] called on 3/24/15, the payment was already processed and therefore mailed. We did place a stop payment as she requested and we did not apply a fee to this...

action. Any fees imposed to her were imposed elsewhere. We honored her request and stopped payment on the item. We will not remit fees that have been imposed to her by others, when she requested us to take the action.
Initial Consumer Rebuttal /* (3000, 7, 2015/04/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
When I called to cancel the payment the rep told me that the payment was still in process and he could cancel it before it was mailed out. If that had not been the case, like he said to me on the phone; then I would have not had you cancel the check and I would have just told my landlord not to deposit it. But that wasn't the case, the rep TOLD me the check would not be mailed. So I figured, after him saying that; it wouldn't have. But it was. So negligence on HIS part, the information was wrong on all parties.
Final Business Response /* (4000, 9, 2015/04/30) */
There was no way to stop the process at the time the stop payment was requested. The item was already processed. We prevented the payment as requested.

On September 9, 2017, the cardholder contacted AccountNow regarding a pending transaction on her account from the merchant Jimmy Jazz E-Commerce in the amount of $88.82.  The agent advised the cardholder in order for the hold to be released sooner than the scheduled date the merchant would...

need to provide a hold release letter.  The agent provided the cardholder with the fax number for the merchant to send the letter to.  Under the Money On Your Card May Be Held Until a Transaction is Completed section in your terms and conditions indicates:   When you use your Card to pay for goods or services, certain merchants may ask us to pre-authorize the transaction in advance and may estimate the final purchase amount. When you use your Card at an ATM or for a teller cash withdrawal transaction, we generally pre-authorize the transaction in advance (including all applicable fees). When we pre-authorize the transaction, we will place a “hold” on your Card’s funds for the amount indicated by the merchant, and this transaction will show as “pending” in your transaction history. We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the final transaction amount (such as to cover a tip at a restaurant). Transactions at certain merchants that preauthorize high dollar amounts, especially rental car companies and hotels, may cause a “hold” on your available balance for up to 90 days. You will not be able to use the money on your Card that is “on hold.” We will release any remaining amount when the transaction finally settles.   As of September 15, 2017, the hold expired and the funds from Jimmy Jazz E-Commerce in the amount of $88.82, was automatically released back on to your account. The cardholder may contact AccountNow with any remaining questions at [redacted].   Tell us why here...

Initial Business Response /* (1000, 5, 2015/11/17) */
On 11/5/15, we advised the consumer that his issue requires him to contact law enforcement. Law Enforcement has the authority to obtain records and the resources to perform an investigation. Law Enforcement may call the AccountNow law...

enforcement line at: (XXX) XXX-XXXX.
Initial Consumer Rebuttal /* (3000, 7, 2015/11/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have submitted a police report to local authoriites, I have also contact Moneygram who is the service provider that transferred the money to accoutn now. Money gram advised me that Account now has the ability to reject the payment back to money gram, and then money would be able to refund me the payments. Account Now is not giving me a reponse. I have contacted my contact Rodolfo at XXX-XXX-XXXX multiple times and have not received a call back from him regarding this process.. I do not accpet this response from them, and want a refund with my problem being resolved.
Final Business Response /* (4000, 9, 2015/11/23) */
On 11/20/15 a call was placed to the consumer to address his rebuttal. We advised the consumer that there are no funds to return. The consumer expressed frustration with the handling of his calls and stated that he believed that the funds were being held for return. We apologized to the consumer that his understanding was incorrect.
The consumer stated that he had filed a report with his local Sheriff's Department and requested information related to an investigation and the potential return of his funds. We referred the consumer back to his Sheriff's Department and reiterated that we will cooperate by providing records upon receipt of a Court Order.
The consumer asked for a recommendation related to future money transfer service transactions. We advised the consumer that he should consider money transfer Service transactions as he would treat cash transactions. Once the money is sent, it is not recoverable. We suggested that the consumer should consider safer options in the future anytime he is not 100% certain of the receiving party legitimacy.
We advised the consumer that we utilize experiences such as his to improve the handling of consumer calls in the future.
Final Consumer Response /* (4200, 11, 2015/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have followed all proper procedures and protocols, and still no resolution. I would like account now to reimburse me my $125

Initial Business Response /* (1000, 5, 2015/06/09) */
The claim filed was for quality of services. We attempted to resolve the issue with the merchant on behalf of the cardholder. The merchant denied the claim.
The recourse is between the cardholder and the merchant.

On March 12, 2017, the cardholder closed card ending in [redacted] through the automated telephone system as Lost.   A replacement card was ordered.
On March 16, 2017, the cardholder closed the replacement card ending in [redacted] through the automated telephone system as Lost.   The...

cardholder contacted AccountNow and advised card was closed, requested an Expedited replacement card, but the cardholder failed the security questions.  The agent requested verification documents to include a photo identification card and a utility bill through the AccountNow document upload site.
 
On March 17, 2017, the cardholder contacted AccountNow to confirm the verification documents that she needed to send in, the agent advised the cardholder to send a photo identification card and a utility bill.  The cardholder indicated that she did not have a photo identification card, but that she had a social security card.
 
On March 21, 2017, we received the cardholder’s social security card and a bill and advised that we still needed a photo identification card.
 
On March 22, 2017, we received the cardholders BJ’s membership card.                            
 
On March 23, 2017, we received a Department of Motor Vehicles mailer.
 
On March 30, 2017, we received the cardholder’s photo identification card.  We reissued a replacement card to the cardholder.  The cardholder contacted Account Now for the status of her account.  The agent advised the cardholder that all documents were reviewed and the replacement card was issued and advised the cardholder of the timeframes.  Upon review of the complaint AccountNow Risk Department contacted the cardholder at the telephone number provided, but there was no answer and a voicemail message was left.
 
On March 31, 2017, we attempted to contact the cardholder again at both telephone numbers provided in the complaint.  A voicemail message was left on the daytime telephone number and we spoke with a gentleman and left a message for a callback on the evening telephone number.  If the cardholder has the original expedited card ending in [redacted] in her possession we will allow access to the funds with that card and close the new replacement card that was ordered on March 30, 2017.  The cardholder may contact AccountNow with any remaining questions at [redacted].

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Sincerely, [redacted]

On May 19, 2017, the cardholder contacted AccountNow to file a dispute with the merchant [redacted] for a transaction that posted to the account in the amount of $94.95, indicating that the transaction was unauthorized. The agent filed the dispute and advised the cardholder that a replacement card...

would need to be issued.  While processing the replacement card, the cardholder failed the security questions and verification documents were requested to include a photo identification card, a social security card and a utility bill.
On May 22, 2017, the cardholder contacted AccountNow to obtain access to the online account. The agent advised the cardholder that the verification documents were needed in order to replace the card and unlock the online access. The cardholder then inquired about the dispute status and the agent advised that the dispute was still in process.
 
On May 31, 2017, the cardholder contacted AccountNow requesting for access to the funds received from the dispute credit. The agent advised the cardholder that in order to provide access to the funds or issue a replacement card she needed to provide the verification documents that were requested on May 19, 2017, due to the security question failure. The cardholder refused to provide the documentation.
On June 5, 2017, upon review of this complaint AccountNow has not received any verification documents from the cardholder. We can provide the cardholder a one-time access to the funds with the current card ending in [redacted].  However, the card will still need to be replaced due to the claim of unauthorized transaction. Once verification documentation is received we can process a replacement card to the cardholder or process a card to card transfer as a courtesy to the cardholder’s other account with us. The cardholder may contact AccountNow with any remaining questions at [redacted]Tell us why here...

Initial Business Response /* (1000, 5, 2015/10/27) */
This customer has two accounts. One of the accounts has a $0 balance and is inactive. The second account is restricted due to verification failure which required the customer to provide her photo id, her signed Social Security card and a current...

utility bill. The customer provided her signed Social Security card and an illegible photocopy of her Driver's License only. The customer states in her complaint that the fee for an expedited replacement card is $5. The correct fee is $25.00.
On 10/13/15, a call was placed to the customer. The customer was asked verification questions which she answered correctly. The customer stated that she was in the process of moving and would have a new permanent address in a week. The customer asked why she was required to verify her identity and address for a prepaid card account. We advised the customer that documentation is required when a verification failure occurs or a change of address. We also advised the customer that the USA Patriot Act mandates that customer verification is performed.
The customer stated she would provide a clear copy of her Driver's License which lists her current address. The customer stated she would be moving soon and she would provide a utility bill when she is settled at her new address.
The customer provided the copy of her Driver's License and the restriction was removed.
Initial Consumer Rebuttal /* (3000, 7, 2015/10/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
After only posting on this site did I get a response. Account now is a major rip off and I am closing my account with them. I was not pleased because this was the most stressful process that I have been through with a bank and this is a pre-paid account in which I pay money to have my money put on the card. I was very displeased with Account now. I advise no one to get this card.
Final Business Response /* (4000, 9, 2015/11/13) */
On 11/4/15, AccountNow received the customer rebuttal to the Revdex.com complaint. The rebuttal from the customer states that she is closing her AccountNow account. Based upon the customer statement, the account was closed.
On 11/5/15, the customer contacted AccountNow and stated that she did not want her account closed.
On 11/6/15, the account was reopened and a call was placed to the customer to address the inconsistency between her Revdex.com rebuttal statement that she was closing her AccountNow account and her verbal request on 11/5/15 for her account to remain open. We were unable to reach the customer and a message was left on the customer voicemail.
On 11/10/15, a second message was left for the customer.
We request the customer contact us at (XXX) XXX-XXXX to address her account status.
Final Consumer Response /* (4200, 11, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I never closed the account but it was surprisingly closed by the business(Accountnow). They told me I would have to send in my information again which they stated they already had in order to re-open the account. I contacted corporate office and no ever called me neither did they leave a voicemail. This company is a big fraud and thief. Not a good company to have an account with.

Initial Business Response /* (1000, 5, 2015/11/23) */
On 11/10/15, the customer filed a dispute for multiple transactions, which occurred from 10/16/15 through 11/3/15 and which amounted to a total balance of $1324.96. The customer advised AccountNow that her Visa card was lost in the backseat of...

her car.
Our investigation considered the following facts: the customer called AccountNow on 10/20/15 and did not report any suspicious activity. The customer checked her account balance on 10/20/15 and did not report any suspicious activity. The customer has other transactions which occurred between 10/16/15 and 11/3/15 which were not disputed. One disputed transaction is an ATM (Automated Teller Machine) withdrawal at a location which had been used by the customer for two previous transactions. Two additional ATM withdrawals occurred at a location which had been used by the customer for eleven previous transactions. Two City of Portland transactions were disputed and the customer has previous City of Portland transactions for the same amount. Three Fred Meyer, pin used, transactions were disputed and the customer has eight previous Fred Meyer transactions since July 2015.
On 11/13/15, the customer stated that she had found her Visa card and that her husband knows the PIN (Personal Identification Number).
On 11/16/15 we sent a letter to the customer with the results of our investigation. We advised the customer that we have determined that no billing error occurred and we will not be crediting her account.
Based upon the facts available to us, we stand behind our decision. If the customer has additional information, she may contact us at the telephone number which was provided in the 11/16/15 letter which is; (XXX) XXX-XXXX.

An AccountNow prepaid card was mailed to the cardholder ending in [redacted] on July 22, 2015.  The cardholder did not activate the card until May 17, 2016.
On June 15, 2016, the account was funded with an ACH direct deposit from DFA Payroll.
 
On April 3, 2017, we received notification...

that the card ending in [redacted] was possibly compromised and would need to be replaced.  An email notification was sent to the cardholder to advise.
 
On April 10, 2017, the cardholder contacted AccountNow and while going through the verification process the cardholder provided a date of birth that was different than what we had on file. The agent advised the cardholder to send in verification documents so that the date of birth could be corrected.  The agent provided the cardholder with the fax number and the upload site to send in the documents.
 
On April 12, 2017, the card ending in [redacted], was closed due to a replacement card ending in [redacted] had already been sent on April 5, 2017 and activated on April 10, 2017.  We received the cardholder’s identification card, but no action was taken as the account showed no restriction.
 
On May 2, 2017, upon receipt of the complaint the cardholder indicated that the date of birth was still incorrect. We re-reviewed the identification card that was received and updated the cardholder’s date of birth.    The cardholder also indicated she was looking for a $15.00 bonus and a $20.00 referral fee.  The account has been reviewed and because the account was applied for in July 2015 but not funded until June 2016, the cardholder does not qualify for this promotion. The cardholder can reference the information at [redacted].
§This offer is available to all AccountNow Gold Visa Prepaid Card customers. To qualify for the $15 direct deposit bonus, within 6 months after being approved to receive a card you must deposit at least $500 in qualifying deposits per month via recurring direct deposit in two or more consecutive months. Bonus must be redeemed by phone at [redacted] within 30 days of meeting qualifications. Please see help for eligibility and redemption requirements.
 
On May 3, 2017, we have reversed the 4/15/2017 $9.95 Monthly Maintenance fee as a courtesy due to the delay in updating the cardholder’s date of birth. The cardholder may contact AccountNow with any remaining questions at [redacted].

On August 11, 2017, the cardholder contacted AccountNow in regards to an unauthorized transaction from BCP*AMERICASTESTKITCHE in the amount of $19.95. During the conversation, the agent advised the cardholder that we will need block and replace the card due to the unauthorized transaction. The...

agent also advised the cardholder that we can file a dispute against the transaction from BCP*AMERICASTESTKITCHE .  The cardholder refused both of these processes and disconnected the call.
Per the cardholder agreement listed under the section titled, “You Must Notify Us of Lost or Stolen Cards/Unauthorized Activity” indicates the following:
You agree to notify us of the loss, theft or unauthorized disclosure of any number or PIN that might be
used to access Card funds. If you believe the Card has been lost or stolen or that someone has transferred or may transfer value from the Card without authorization, contact us at the address, website or phone number listed above in “In Case of Errors or Questions About Card Transactions.” You agree to cooperate reasonably with us and our agents and service providers in our attempts to recover funds from, and to assist in the prosecution of, any unauthorized users of your Card. You agree that any unauthorized use does not include use by a person or merchant to whom you have given authority to use the Card or PIN and that you will be liable for all such uses by such person or merchant.
 
During the day of August 11, 2017, the cardholder spoke to multiple agents that advised the card has to be replaced when we receive notification that there is an unauthorized transaction on the account. During one of the calls, the cardholder validated the address on file with the agent and the replacement card was processed.
Upon receipt of this complaint, August 14, 2017, as a courtesy AccountNow has issued a credit for the $10.00 card replacement fee that the cardholder received on August 11, 2017 and processed the replacement card as expedited with no fee. Please allow up to 3 business days to receive the expedited replacement card. The cardholder may contact AccountNow with any remaining questions at [redacted].Tell us why here...

On April 3, 2017, the cardholder contacted AccoutNow and requested to file a dispute on multiple unauthorized transactions. The agent filed the dispute and advised that the card would need to be replaced.
 
On April 26, 2017, the cardholder contacted AccountNow to follow-up on the dispute,...

the agent advised the cardholder that the dispute was still in process. The cardholder was requesting provisional credit, the agent advised the cardholder to send in the dispute written notification.
 
On May 9, 2017, the cardholder contacted AccountNow to follow-up on the dispute, the agent advised the cardholder that the dispute was still in process.
 
On May 16, 2017, AccountNow concluded its investigation and determined the following:
The account was funded by an ACH tax deposit in the amount of $9,126.89 that posted to the account on 2/23/17.
The cardholder claims there are multiple unauthorized transactions and ATM withdrawals on the account. The cardholder wanted to dispute the transactions that occurred between 2/15/17 and 3/26/17. The cardholder claims she was incarcerated while the disputed transactions occurred.
The PIN was not reported as lost or compromised, yet 19 of the disputed transactions were PIN based and there were not any PIN changes made on the card until 3/24/17, which indicates the user of the card was aware of the PIN without having to change it for the majority of the transactions.
The cardholder has two prior transactions at the ATM located at [redacted] since December 2016.
The cardholder has one prior transaction at Shoppers Food store #[redacted] since January 2017.
The cardholder has three prior transactions at Walker Mill Citgo since December 2016.
The cardholder has one prior transaction at the ATM located at [redacted] ** since February 2017.
The location of the card is unknown but it appears to be in the cardholder’s possession as the cardholder has undisputed transactions occurring after the disputed transactions occurred.
Based on the facts available to us, we do not find that an error has occurred.  The dispute resolution letter was mailed to the cardholder.
 
On May 17, 217, the cardholder contacted AccoutnNow to follow up on the dispute, the agent advised the cardholder that the dispute was denied.  The cardholder requested a callback from an investigator for more details.
 
On May 19, 2017, upon receipt of the complaint an AccountNow investigator re-reviewed the dispute denial and contacted the cardholder at the telephone number provided and advised of the dispute denial reasons.  The cardholder indicated that her purse and the card were at home when she was arrested and someone took her card.  The cardholder stated that whomever took her card, then put her card and purse into her storage unit after the funds were spent. The cardholder advised she was able to obtain the card back as she was able to get it from her storage unit. The cardholder indicated she was not aware of who stole the purse or how they were able to obtain her PIN.  The cardholder states she submitted evidence to show proof that she was incarcerated.  The investigator advised the cardholder that no documents had been received at this time and that she could re-submit them but at this time the claim will remain denied due to the facts we have.  The cardholder understood. The cardholder may contact AccountNow with any remaining questions at ([redacted].
 Tell us why here...

On August 1, 2017, the cardholder contacted AccountNow and filed a dispute indicating transactions were unauthorized. The agent informed the cardholder that she would be required to answer security questions in order to process the replacement card. While processing, the cardholder failed the...

security questions and verification documents were requested to include a photo identification card and a utility bill listing her current address.
On August 14, 2017, the cardholder submitted the documents via the AccountNow upload website.
On August 17, 2017, AccountNow has reviewed the documents received and replaced the card to the address on file by federal express per the cardholder’s request. Please allow up to 3 business days to receive the replacement card and the charge of $25.00 for this process has been applied to your account. The cardholder may contact AccountNow with any remaining questions at [redacted].Tell us why here...

Initial Business Response /* (1000, 5, 2015/11/23) */
This customer account has an authorization hold from HSN for $187.06.
On 11/17/15, the customer called AccountNow about the hold and we advised the customer that Merchant's will hold funds to guarantee funds are available when a debit is...

presented for payment. This hold is set to expire on 11/23/15 and in order to release a merchant hold, AccountNow requires written release from the merchant, on company letterhead. The letter must contain the exact and specific reason to release the hold, the exact dollar amount of the hold to release and the name and telephone number for the merchant employee authorizing the hold release. The letter must be faxed to XXX-XXX-XXXX. Upon receipt, AccountNow will contact the customer.
On 11/18/15 and 11/19/15, the customer called AccountNow and stated that the merchant had sent a hold release letter. We advised the customer that the letter had not been received.
On 11/20/15, we called the customer and left a message at the telephone number on file.

Initial Business Response /* (1000, 5, 2015/04/17) */
We need to ensure that the funds have not been returned to the sender by the issuing bank. Once we know that, we will be able to provide a response.
Final Business Response /* (4000, 8, 2015/04/21) */
We have received additional information...

from the issuing bank. They returned the funds back to the IRS on 4/6/15. Ms. [redacted] will need to follow-up directly with the IRS. It may take up to 12 weeks from the date of return for the IRS to complete their review and update their records with the status of future distribution.

Initial Business Response /* (1000, 5, 2015/07/22) */
We are unable to locate an account with the information provided on the Revdex.com complaint.
We will require a card number to research further.