A Locksmith

Initial Business Response / [redacted] (1000, 7, 2015/06/18) */ We will require valid address verification and a legible copy of the photo IDA third party has sent the only set of documentation received and the photo ID is illegible and the address does not verifyWe need a utility bill that is in the customer's name so that we can call to verifyIf the third party has power of attorney to manage the account, we will require the power of attorney documentation Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/06/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is no need for power of attorney, the customer is requesting this himselfThe resident now resides at the Tennessee State Veterans Home at [redacted] XXXXX and all documents were submitted on 12/10/14, in which I have copy of the fax receivedHE RESIDES IN A NURSING HOME, SO THERE WILL BE NO UTILITY BILL!!!!!!!!!!!!!!!!!!!!!!!!! You told us once you received this fax, that the his check would be sent in to weeks BECAUSE YOU WERE JUST VERIFYING WHO HE WAS!!!!None of the documents sent were illegible, you could clearly see his social security number and id on the copy submittedYou are withholding a DISABLED VETERANS money!!!!!!!!!!!!!!!!!!!!!! We will refax the documents sent on 12/10/to reverify, but after that no more stalling, please send his money in the amount of $1,410.00! Thank You Final Business Response / [redacted] (4000, 22, 2015/08/26) */ We placed a call to the telephone number provided for the Tennessee State Veterans Home on 8/14/and spoke to [redacted] , Licensed Master Social WorkerMs [redacted] stated that she had the authority to speak on Mr [redacted] 's behalfWe reviewed the reason for the restriction with Ms [redacted] ; a change of address without verificationMs [redacted] provided Mr [redacted] 's current address as: The Tennessee State Veterans Home, [redacted] XXXXX We advised Ms [redacted] that we had contacted the Nashville Regional Veterans Affairs Office to request guidance and we would provide a status upon receipt from the VAOn 8/17/15, Vicki [redacted] of the Nashville VA office advised AccountNow that the remaining funds of $must be returned to the VAMs [redacted] stated she would submit a formal letter requesting return of funds to AccountNow and she will contact Ms [redacted] and speak to her On 8/20/Ms [redacted] advised that she had spoken to Ms [redacted] and had obtained the customer's address in order to update the VA filesMs [redacted] also stated that a letter of indemnification had been sent to AccountNow for the return of the remaining fundsWe received the VA letter and removed the funds from Mr [redacted] 's account for return to the VA On 8/21/15, Ms [redacted] confirmed that she had spoken to Ms [redacted] and that she had been advised that Mr [redacted] 's VA records would be updated with his current information and that the funds held by AccountNow had been recalledMs [redacted] stated she was satisfied with the outcome of this complaint and considered the issue resolved Final Consumer Response / [redacted] (2000, 24, 2015/08/27) */ 8-27- Sent via email: [redacted] Yes Ma'am it hasI spoke with their fraud department rep, [redacted] , who was very helpful with resolving this issueMr [redacted] will be receiving his money very soonI thank you so much for all of your assistance in this matter Thanks so much, [redacted] T [redacted] , LMSW Tennessee State Veterans Home-Humboldt

Initial Business Response / [redacted] (1000, 10, 2015/07/21) */ We apologize for the delay in receiving the cardOur records indicate that the card was expedited on 6/8/and activated by the customer on 6/14/

On June 11, 2017, the cardholder contacted AccountNow to file a dispute regarding four unauthorized transactions On June 12, 2017, we received the cardholder’s written notification On June 15, 2017, and investigator concluded its investigation and determined the following: The cardholder is disputing transaction(s) as unauthorizedThe card is in the cardholder’s possession The disputed transactions occurred on 6/8/11:AM to 6/10/8:PM [CST] There disputed transactions are PIN-based, yet the PIN was not reported as compromised/lost yet there is no PIN failure on the card when the transactions occurred The account was funded by an ACH Deposit for $ on 6-9- The Cardholder accessed the account times while the disputed transactions occurredThe cardholder accessed the account time(s) prior to the disputed transactions occurring since 5-25- There were no test transactions in the transaction history to indicate someone else was checking the account There were no balance inquiries before, or during the disputed transactions With the facts available to us we found that no error occurred On June 16, 2017, the final resolution letter was mailed to the cardholder On June 19, 2017, we received the cardholder’s letter of complaint On June 23, 2017, upon re-review of the denial decision we determined the following: The cardholder has possession of the card and she resides in the state of Kansas The disputed card present transaction occurred in the state of Florida The cardholder does not have any previous card present transaction history in FloridaBased on the re-review this appears to be a skimming issue We contacted the cardholder at the telephone number provided and advised her of there-review We apologized for the initial denial decision and advised that final credit would be issued to her account in the amount of $by the end of the day The cardholder may contact AccountNow with any remaining questions at (866) 925-

Initial Business Response / [redacted] (1000, 5, 2015/11/17) */ On 11/5/15, we advised the consumer that his issue requires him to contact law enforcementLaw Enforcement has the authority to obtain records and the resources to perform an investigationLaw Enforcement may call the AccountNow law enforcement line at: (XXX) XXX-XXXX Initial Consumer Rebuttal / [redacted] (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 nowMoney 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 paymentsAccount Now is not giving me a reponseI have contacted my contact Rodolfo at XXX-XXX-XXXX multiple times and have not received a call back from him regarding this processI do not accpet this response from them, and want a refund with my problem being resolved Final Business Response / [redacted] (4000, 9, 2015/11/23) */ On 11/20/a call was placed to the consumer to address his rebuttalWe advised the consumer that there are no funds to returnThe consumer expressed frustration with the handling of his calls and stated that he believed that the funds were being held for returnWe 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 fundsWe 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 transactionsWe advised the consumer that he should consider money transfer Service transactions as he would treat cash transactionsOnce the money is sent, it is not recoverableWe 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 / [redacted] (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 resolutionI would like account now to reimburse me my $

Initial Business Response / [redacted] (1000, 5, 2015/06/18) */ The verification was completed on 6/15/and a new card mailedFunds from the card were transferred to a card that the customer recently received, pending receipt of the replaced card Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of today 6/21/I have not received my new cardEvery time I have Account NOW Transfer money into a different account it costs me $So the issue still isn't resolved Final Business Response / [redacted] (4000, 11, 2015/07/13) */ The card was received and activated on 6/30/ Final Consumer Response / [redacted] (2000, 13, 2015/07/14) */ 7-13- Sent via email: [redacted] Yes it was resolved when I finally got a hold of the Vice President of Marketing

(The consumer indicated he/she DID NOT accept the response from the business.)My daughter and I have provided account now with every documents they have requested, and every time we call them to see if they received it, and to follow up they are asking for the same informationI strongly believe that they are stringing us along because they don't want to give back the moneyI am very upset with all of thisI just want my money back, and I will NEVER do business with this company againCan you please help me to get my money backThank you

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. Still not satisfied with Account Now Sincerely, [redacted]

On May 26, 2017, the cardholder contacted AccountNow and indicated that her brother made an ACH deposit to her card using her account number and routing numberThe agent advised the cardholder of the timeframes for an ACH deposit to post is 3-business days On May 27, 2017, the cardholder contacted AccountNow in regards to an ACH deposit that she was expecting to post to her accountThe agent advised the cardholder that we have not received any ACH Deposits at this time The cardholder then indicated she was trying to process a Western Union load using her account number and routing numberThe agent advised the cardholder that when processing a Western Union cash load she would need to provide the merchant with the full card number and not the account number and routing numberThe cardholder then requested to speak with a managerThe manager advised the cardholder in order to load funds through our cash loading partners such as Western Union, the full card number is needed, and they do not request the account and routing numberThe manager went through the process on how to load cash deposits through our cash load partners As of May 30, 2017, AccountNow has not received any ACH deposit’s or cash loads on the cardholder’s accountThe cardholder will need to contact the originator of the funds and follow up with them directlyThe cardholder may contact AccountNow with any remaining questions at [redacted] .Tell us why here

Complaint: [redacted] I am rejecting this response because:Sincerely, [redacted] I submitted payment exactly as the instructions said, I followed up with Customer Service to ensure it as the correct way I received the following conformation Number [redacted] I sent it via routing number [redacted] , followed by account number [redacted] , all of which was in my credit card package, and again I verified this information on 5-15-with Account nows customer service So I did exactly as the instructions read and doubled checked with Account Nows Customer service and my money is gone My bank insist that my money was sent in this exact manner

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 meSincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/07/21) */ A check for the remaining balance was submitted for processing on 7/14/The check will be mailed to the address on the account Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) Account Now should be accountable for the overdraft fees and late fees that was caused by the delay in the fundsWe are looking to receive an additional dollars to cover those fees

Complaint: [redacted] I am rejecting this response because: I do agree with the fact that I would go to the 7/on [redacted] **, but the ones that I submitted to them were transactions that I did not make, I usually would go to that store on the week I would pick up my kids from school and that week I did not and that is why I included them in the disputeAnd I see they did not say anything about the couple of transactions in [redacted] where I have no reason to be in and one more thing, there were many many transactions about balance inquiries, why would I do that at an atm and get charged when I could do it online on my phone for free, makes no sense Yes they did contact me once from the dispute department, once and I did get there voicemail and tried for over a week everyday to get a hold of somebody in that department because apparently that was the only department I could speak tooThe voicemail was left by a [redacted] did not even give a last nameand his so called direct numberand I nvr received anything in regards to a call back after that And what does me changing my pin#, I changed my pin # after I realized that the transactions were made for security purposesand what does my direct deposits have anything to do with itnoneSincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/11/23) */ On 11/10/15, the customer filed a dispute for multiple transactions, which occurred from 10/16/through 11/3/and which amounted to a total balance of $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/and did not report any suspicious activityThe customer checked her account balance on 10/20/and did not report any suspicious activityThe customer has other transactions which occurred between 10/16/and 11/3/which were not disputedOne disputed transaction is an ATM (Automated Teller Machine) withdrawal at a location which had been used by the customer for two previous transactionsTwo additional ATM withdrawals occurred at a location which had been used by the customer for eleven previous transactionsTwo City of Portland transactions were disputed and the customer has previous City of Portland transactions for the same amountThree Fred Meyer, pin used, transactions were disputed and the customer has eight previous Fred Meyer transactions since July 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/we sent a letter to the customer with the results of our investigationWe 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 decisionIf the customer has additional information, she may contact us at the telephone number which was provided in the 11/16/letter which is; (XXX) XXX-XXXX

Initial Business Response / [redacted] (1000, 5, 2015/10/27) */ This customer has two accountsOne of the accounts has a $balance and is inactiveThe 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 billThe customer provided her signed Social Security card and an illegible photocopy of her Driver's License onlyThe customer states in her complaint that the fee for an expedited replacement card is $The correct fee is $ On 10/13/15, a call was placed to the customerThe customer was asked verification questions which she answered correctlyThe customer stated that she was in the process of moving and would have a new permanent address in a weekThe customer asked why she was required to verify her identity and address for a prepaid card accountWe advised the customer that documentation is required when a verification failure occurs or a change of addressWe 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 addressThe 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 / [redacted] (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 responseAccount now is a major rip off and I am closing my account with themI 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 cardI was very displeased with Account nowI advise no one to get this card Final Business Response / [redacted] (4000, 9, 2015/11/13) */ On 11/4/15, AccountNow received the customer rebuttal to the Revdex.com complaintThe rebuttal from the customer states that she is closing her AccountNow accountBased 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/for her account to remain openWe 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 / [redacted] (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 accountI contacted corporate office and no ever called me neither did they leave a voicemailThis company is a big fraud and thiefNot a good company to have an account with

The customer reported fraudulent activity and the customer account was restricted and a stop payment was processedOn 4/11/a check for the remaining balance on the customer account was express mailed to the customer On 4/11/we contacted the customer and apologized for the inconvenience that the customer experienced On 4/12/16, the courier service reported that the check had been delivered to the customer The customer may contact us with any remaining questions or concerns at [redacted]

The customer changed address and did not notify AccountNowUpon receipt of the new address, a replacement card was shipped to the customerExpedited delivery is an optional service that was offered to the customerThe customer declined and the replacement card was shipped at company expense

Complaint: [redacted] I am rejecting this response because: AccountNow/Green Dot money card was not there all the times I checked my PO Box for my package that never arrived! It still has not arrived! Just because I got a fake tracking number does not mean Iuly sent out my package! Iuly did not send me my item! AccountNow and Iuly falsely claims I received the item! I told the it investigator I could not sign for a make believe fake package since I did not receive it! What the hell is wrong with you [redacted] people! I will continue to give both Iuly and AccountNow/Green Dot money card bad reviews! Give me my [redacted] money back! I hope your companies get shut down! [redacted] !Sincerely, [redacted]

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 $ 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 amountWhen 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 historyWe 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 daysYou 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 accountThe cardholder may contact AccountNow with any remaining questions at [redacted] Tell us why here

The charges described in the complaint are related to a $authorization which was posted on 3/25/and a debit for $which posted on 3/29/Both transactions originated from the Dana Hotel and Spa The $authorization expired and the funds were returned to the customer’s available balance and a refund for $from Dana Hotel & Spa was posted to the customer’s account on 4/10/ On 4/13/we reviewed the status of the transactions with the customerThe customer stated she had no remaining concerns at this time and she would close the complaint

On March 6, 2017, the cardholder contacted AccountNow to request the cancellation of two Bill Payments that he had processed on February 23, and March 28, 2017, in the amount of $x 2, for a total of $The agent advised the cardholder of the $stop payment fee, and the cardholder indicated that he did not want to pay the $fee for the request to stop the Bill PaymentsThe cardholder was then advised that if the Bill Payments are not cashed within a day timeframe of the date of them being sent, that the funds will automatically post back to the accountThe cardholder refused as he indicated he did not want to pay the $fee and did not want to wait the day timeframe On May 18, 2017, customer care received a Consumer Affair Complaint in regards to the Bill Payments not being received and the fees associated to stop the Bill PaymentsThe customer care agent contacted the cardholder and advised a request was submitted to stop the Bill Payments, and advised the cardholder that the $fee would be waived as a courtesy The cardholder was advised of the hour timeframe for the funds to post back into to the account The cardholder may contact AccountNow with any remaining questions at ( [redacted] Tell us why here