A Locksmith

On August 25, 2017, AccountNow received a call through our automated system and the card was closed per the options chosen On August 30, 2017, the cardholder contacted AccountNow to inquire about the reason for the declined access to our website and the agent advised that on August 25, 2017, the card was closed through our automated systemThe cardholder advised that she was not the one who called that day to have the card closed Based off this information it appears that there are multiple people calling in on the account and the account was permanently closed due to multiple callersAs of today’s date September 7, 2017, there is a zero balance on the accountWe do apologize for any inconvenience this may have caused the cardholderThe cardholder may contact AccountNow with any remaining questions at [redacted] .Tell us why here

Initial Business Response / [redacted] (1000, 9, 2015/07/16) */ Received business response via email on 7/15/15: On 5/31/15, the customer reported her card was lostA replacement card was generated, however due to a processing error, the card was not sentOn 6/5/15, the customer address was verified and a second replacement card was generatedThe customer was advised that the card would be express mailed however due to a processing error, this card was mailed first class mail on 6/8/On 6/15/15, the customer reported that it had been receivedDuring a call with the customer, she stated that due to the inability to access her funds, she was late on her rent payment and was assessed a late feeThe customer stated she will provide a receipt displaying the fee and we will review for reimbursement Thank you [redacted] Compliance and Risk Development Manager Initial Consumer Rebuttal / [redacted] (2000, 11, 2015/07/27) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 13, 2015/07/21) */ Our records do not show that any funds have been placed on the cardTo process the request further and to ensure that we have the correct account, we will require a card number A call was attempted to the consumer but the consumer keeps hanging upHe will need to contact our offices with the card number to provide additional assistance Initial Consumer Rebuttal / [redacted] (3000, 17, 2015/07/22) */ 7-22- Sent via email: my name is [redacted] I tried to contact you after you reaplyed to my tex to you about being took for 29dollars by the company you work for I was going to use youre card for my medications there was nothing in the envelope that said anything about a dollar fee for using that card I purchased a pack of smoaks and a soda that was a expensive pack of cigs dont you thinkwould you allow this to happen to youall I want is my money that was all I had to get my medications with I just need my money back ill get money orders and mail it I cant afford youre credit card or any of youre help thank you for youre help my email acct is [redacted] @gmail.com [redacted] Final Business Response / [redacted] (4000, 20, 2015/08/04) */ This complaint is unclearWe show that the customer's account was opened on 4/21/and that the account has been funded and transactions have occurredThe last transaction was a purchase which occurred on 7/22/We attempted to reach the customer at the telephone number provided in the complaint on 8/4/and there was no answerWe were unable to leave a message as the mailbox was fullWe were able to leave a message with a third party on 8/4/who answered the telephone number listed on the customer's accountWe request that the customer contact us and provide additional information regarding his complaintOur customer service telephone number is (XXX) XXX-XXXX

Initial Business Response / [redacted] (1000, 5, 2015/09/03) */ AccountNow reserves the right to verify customer identity, address and transaction activity throughout the history of the accountOn 8/20/15, AccountNow required that the customer provide her photo identification, a utility bill and a copy of her signed Social Security Card On 8/24/15, we received the photo ID and we contacted the customer to request the Social Security cardOn 8/25/15, 08/26/and 8/27/we advised the customer that we still had not received her Social Security cardOn 8/28/15, we received the Social Security card and we contacted the customerThe customer advised us that she had cut up her AccountNow Visa cardWe reopened the account, updated the address and we generated a replacement Visa cardThe card was express shipped to the customer at company expenseThe replacement Visa card was activated on 9/1/

Initial Business Response / [redacted] (1000, 5, 2015/04/17) */ We need to ensure that the funds have not been returned to the sender by the issuing bankOnce we know that, we will be able to provide a response Final Business Response / [redacted] (4000, 8, 2015/04/21) */ We have received additional information from the issuing bankThey returned the funds back to the IRS on 4/6/Ms [redacted] will need to folldirectly with the IRSIt may take up to weeks from the date of return for the IRS to complete their review and update their records with the status of future distribution

On January 26, 2017, the cardholder contacted AccountNow regarding a hold on her account in the amount of $from the merchant [redacted] ** The agent advised the cardholder of the hold release date 02/01/The cardholder requested that the hold be released sooner and the agent advised the cardholder to provide a hold release letter from the merchant and advised the cardholder of the fax number to send the letter On January 27, 2017, AccountNow received a fax from the [redacted] requesting a partial hold release in the amount of$from the $transaction, but we are unable to release partial amountsThe cardholder contacted AccountNow for a follon the hold release letter and was advised a letter was received but only for a partial amount and that we were unable to release partial funds On February 1, 2017, the cardholder contacted AccountNow regarding the hold, the agent advised the cardholder if the merchant does not collect on the transaction the funds are due to release back into the account at midnight on 2/1/ The agent advised the cardholder to check back on 02/02/for the status On February 2, 2017, the hold in the amount of $released back into the cardholder’s account and the cardholder has been actively using the fundsThe cardholder may contact AccountNow with any remaining questions at [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/06) */ We received a written notice from the customer on 06/23/related to unauthorized transactions totaling $We show that the customer received a $credit for one of the disputed transactions on 4/25/ On the written notice, the customer stated that he has possession of his AccountNow Visa cardFor the transaction related to the White Sox vs A's baseball game on April 13, 2015, our research with the merchant "Tickets" confirmed the name and address in the merchant records match what we have for the customer We show the customer's confirmed telephone number accessed the AccountNow account to review transactions and check the balance on April 15, The disputed transaction with the merchant had already occurred by this timeWe also captured an IP address which was used to access the account a total of times during the period while the disputed transactions occurred Based upon the facts available to us, we have denied the claim Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) fIRST OF ALL I DID MOT PURCHASE ANY TICKETS FOR THE A'S GAME AT NO TIME EVER, WHAT ADDRESS WHERE THE TICKETS SENT TO/ I DID NOT MAKE CHARGES THAT I AM CLAIMING TO BE UNAUTHORIZED WHAT HAPPENED TO THE OTHER $THAT WAS SENT TO YOU AS A CREDIT REFUNDED FOR ONE OF THE UNAUTHORIZED CHARGES IT DOESN'T MATTER HOW MANY TIMES YOU MAY RECEIVED A CALL NOR HOW MANY TIMES IVE LOGGED ONTO THE ACCOUNT ITS PROBABLY BEEN TO SEE THE STATUS, I WANT THE MONEY THAT BELONGS TO ME, SEND ME THE DOCUMENTS YOU CLAIM TI GAVE THAT YOU USED IN MAKING YOUR DECISION, I HAVE ALREADY ASKED THAT THE CLAIM BE REOPENED AND REINVESTIGATEDWHAT YOU DO MUST BE ILLEGAL Final Business Response / [redacted] (4000, 11, 2015/08/27) */ On 8/25/15, credits of $were applied to the customer account and telephone messages were left for the customer The customer may contact us at (XXX) XXX-XXXX Final Consumer Response / [redacted] (2000, 13, 2015/08/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)

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 meI still feel that they have horrible customer service and use activities that are FRAUD Sincerely, [redacted] ***

Initial Business Response / [redacted] (1000, 5, 2016/01/22) */ On 01/13/the customer filed a dispute claim for $representing the amount of the 1/13/transaction from First Midwest BankOn 1/22/a provisional credit of $and a credit for $representing the 1/13/ATM service charge fee, were applied to the customer accountWe will contact the customer with the final decision on the dispute by 3/6/ The customer may contact us with any questions at (866) 925-

Initial Business Response / [redacted] (1000, 5, 2015/08/06) */ This account was restricted for customer verificationWe require a copy of the customer's photo identification, address verification such as a utility bill dated within days, a photocopy of the front of the AccountNow Visa card and a copy of the cash deposit receiptWe have not received the customer's photo identification, or the utility billThe telephone number on file has been disconnectedThe telephone number provided with the complaint has also been disconnectedWe request the customer provide the remaining documentation and a working telephone numberThe customer may contact us at (XXX) XXX-XXXX

Complaint: [redacted] I am rejecting this response because: you should not offer paid services to people since you refuse to offer clients like myself proper buyer protection! I declare Green Dot & our employees out of business by your own fault! [redacted] I did not get any package! Don't you think I would of signed for the item and be wearing it! [redacted] ! A government agency will find fault with you and close you and MetaBank down! You deserve it! Go screw off! [redacted] !Sincerely, [redacted]

The Refer-A-Friend program requires customer registration. When a customer registers, the customer is provided a description of the program. Within the registration process we provide a Q&A (question and answer) listing which contains the program terms and conditions. A copy of the Terms and... Conditions is being provided with this response.The customer may contact us with any additional questions. We may be reached at ( [redacted] (AccountNow REFER-A-FRIEND Terms & Conditions.docx)

On September 20, 2016, AccountNow contacted the cardholder at the number on file ending in 5687and left a voicemail message as the cardholder was unable to be reached On September 28, 2016, AccountNow contacted the cardholder at the telephone number provided in the complaint ending in We confirmed with the cardholder the account number and routing number to ensure that she had provided the merchant with the correct account informationThe cardholder confirmed that the she has provided the merchant with the correct account number and routing number The cardholder requested compensation for the dishonored transaction We advised the cardholder that to date we do not show any ACH debit attempts or rejects to her account from the merchant GC Services in the amount of $and that on September 12, 2016, we reversed her monthly maintenance fee in the amount of $as a courtesyThe cardholder advised that we do not have to issue her a compensation credit but she would continue to keep her claim open and disconnected the call If the cardholder can provide documentation from the merchant showing that the correct account number and routing number was used and there was an error on AccountNow which resulted in her payment being dishonored then we will re-review the complaint The cardholder may contact AccountNow with any remaining questions at ( [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/08/27) */ The customer's account was modified in error on 7/25/ The error was identified on 8/10/by a Customer Service RepresentativeThe error caused the account to be erroneously restricted From 8/10/to 8/13/the account remained restricted while the issue was researched On 8/13/15, we reopened the account which allowed the customer to utilize the card to perform transactions On 8/14/and 8/24/we left messages for the customer at the telephone number provided in the complaint On 8/26/15, as a courtesy to the customer the monthly fee was credited We regret this error and apologize for the inconvenience to the customer The customer may contact us at (XXX) XXX-XXXX We consider the issue resolved

Initial Business Response / [redacted] (1000, 5, 2015/12/02) */ On 12/2/we spoke to the customer and together we reviewed the description of Surcharge Free ATMs that is listed on the AccountNow.com websiteIncluded in the ATM location description is a tab labeled Learn MoreThe Learn More content provides the surcharge free description; "Surcharge-Free" means no ATM owner fee will be charged on ATM withdrawalsATM withdrawal fee under your Cardholder Agreement still applies" We advised the customer that an alternative transaction to avoid ATM fees is the Purchase-cashback transaction The customer stated he was satisfied with the information being provided and considered the issue resolved

Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ The card is not a Visa Gift CardThe card is a Visa prepaid reloadable cardThe fees applied to the card were billed as intended

Initial Business Response / [redacted] (1000, 5, 2015/04/16) */ We are in the process of pulling the calls to look into the matter reported by the consumer The service fee to mail a card expedited is $25, the consumer opted to have the card mailed regular mail and our records indicate that the card has been received and activated We will research the call matter and address accordingly Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) They have taken absolutely no action to resolve the matter and their bad customer serviceOpting out of paying for a 3-day delivery or paying nothing for a 5-day delivery wasn't much of difference therefore I chose the regular mailThis was an issue that should have been resolved by management instead of having me wait forever with no one ever coming to the lineThis was a lack of customer service which will be addressed by my deposits until some resolution comes about Final Business Response / [redacted] (4000, 9, 2015/04/30) */ We apologize that the customer is not happy with the service providedWe can assure the customer that we take each complaint seriously and work to address any service issues Final Consumer Response / [redacted] (4200, 11, 2015/05/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) This organization tries to make money off the bad luck of its customersTo charge for the card to be mailed express, due to no fault of the consumer is ridiculous and unimaginable that they would subject their customers to such a charge plus knowing that their are people out there that the service charges on those cards were lony on that card as it holds all their money which the surely gain interest on the longer they keep itAn incident happened last payday that they did not pay early as they advertise but more so at willAfter these people hat went to take money out of gte account on their usual day found out it was not their, and they got a dollar charge for insufficient transaction, I wonder how much they made from those charges aloneDisgusting behavior on leaderships \artAnd, the response I got previously said they will look into the phone all an time yet there was no mention of it in their final responseYES Account now you really work on customer service issues by ignoring them

On March 22, 2017, the cardholder received an ACH tax deposit in the amount of $The cardholder’s account was later blocked due to excessive purchase cash back activity On March 23, 2017, the cardholder contacted AccountNow due to she was unable to use the card The agent advised the cardholder that the account was blocked due to the excessive cash back activity and verification documents were needed to include an identification card and a current bill The cardholder’s date of birth on file was also incorrect The cardholder was given the upload site address to send the documents as well as a copy of the cardholder agreement was emailed to the cardholder We received the cardholder’s illegible identification card and a bill showing a different address that was on fileWe requested that the cardholder provide a clear copy of the phot identification card On March 24, 2017, the cardholder contacted AccountNow for the status of her documents and was advised that we still needed a clear copy of the photo identification card On March 25, 2017, the cardholder contacted AccountNow regarding sending the clear photo identification card The cardholder indicated she did not want to send it via fax as the document comes out too dark The cardholder was provided with the upload site to send in the documents On March 27, 2017, the cardholder contacted AccountNow and stated that she was having an issue with the upload site The cardholder was provided with the Customer Care email to send her documents The document was received by Customer Care and forwarded to the Risk Department for review On March 28, 2017, the cardholder contacted ACcountNow and requested that the deposit be returned back to the Internal Revenue Service The cardholder’s documents were reviewed to include a clear copy of the photo identification card and the block on the account was removedThe agent advised the cardholder that the block was removed On March 29, 2017, the cardholder contacted AccountNow to see what the cash out options on the account were The agent advised the cardholder of the Cash Advance options The cardholder has depleted the account to the balance of $The cardholder may contact AccountNow with any remaining questions at [redacted]

On March 6, 2017, we received a notification from the cardholder indicating that she did not received her February 1, 2017, social security direct deposit in the amount of $ The cardholder’s direct deposit history shows that a direct deposit posted on 1/26/in the amount of $which would be the cardholder’s February payment The cardholder’s complaint indicates that she did not receive her SSI benefits for the month of Mach as well The cardholders’s direct deposit history shows that a direct deposit posted on 2/23/in the amount of $which we be the cardholder’s March payment The cardholder has contacted AccountNow on 1/30/and 1/31/regarding how to send money through Money Gram, the agent walked the cardholder through the process There have been no additional calls on this account regarding a missing direct deposit On April 18, 2017, we reached out to the cardholder regarding the complaint at the telephone number provided there was no answer and a voicemail message was left with a direct telephone number to an agent We have no record of any further direct deposits attempting to post or reject since the February 24, direct deposit The cardholder should contact the Social Security Administration to confirm that the deposit was sent to the account If the cardholder can provide a trace number of direct deposit in question we will be more than happy to research furtherThe 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 ***, and find that this resolution is satisfactory to meSincerely, *** ***