A Locksmith

Initial Business Response /* (1000, 5, 2015/10/05) */
AccountNow accounts are subject to the Office of Foreign Asset Control regulationsOFAC regulations block transactions in US Sanctioned countriesThe OFAC Sanctioned Countries List includes LebanonAttempted transactions in a sanctioned
country may require customer verificationAdditional information about sanctioned countries may be obtained from the United States Department of The Treasury website: www.treasury.gov
We closed the account as the customer requested on 9/28/
Initial Consumer Rebuttal /* (2000, 7, 2015/10/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)

yes you have received additional facts! A POLICE report was filed like I repeatedly told you! I have submitted a formal complaint as well to federal Reserve as both are aware that I was miles from home when transactions disputed happened and that your trying to hold me responsible for such and are investigating . Complaint: ***I am rejecting this response because:Sincerely,*** ***

Complaint: ***I am rejecting this response because: I knew they would throw that in my faceYes I accept the CT*** and only authorization there were mutiple foreign transactions onlineI don't regularly check my online account with Account now because I trusted them to be safe with my moneyI do business with Inter voucher but stated to the lady that she remove the other CT*** as she agreed if it wasn't mine then to do soI am not trying to waste my time or account now's timeI made deposits into that account in good faith that I wouldn't have to worry about this type of situation, they let me downI do not get receipts at Atm' s most the time and If I do in fact get them I simply throw it awayI may have withdrew money, If I did I withdraw, and I'm not saying I didn't, but chances are I just threw the receipt away without thinking it was going to come back to me like thisLook I'm not going to sit here and waste anyone's timeI simply want my money back and my account closed, for goodI was on the phone with the lady for a whileI believe they said the call was recordedSo we can go back to the phone call if we have toOther than that when I did call back to ask how it was going they did seem to know what to say as it seem they had to put me on hold to figure out what to say to meThat recording should be there as wellWith so complaints against these people for the other reasons and these types as well I would figure they comply before we have to take further actionThan you for your time Revdex.com and Account Now
Regards,
*** ***

Initial Business Response /* (1000, 5, 2015/12/03) */
On 12/2/15, we advised the customer that the remaining funds on the account had been transferred to the account Issuing Bank due to the inactivity and closure of his accountWe requested the customer provide his Driver's License and a current
bill to verify his identity and addressThe customer provided the documentation and we advised the customer that the funds have been recalled and upon receipt, a check will be sent to him
We advised the customer that we anticipate that the process will take no more than weeks
The customer stated he was satisfied with the outcome of his complaint

Due Date: 4/19/
Originator:
Revdex.com
Log # ***
Customer Name: *** ***
Complaint:
They blocked my account and won't tell me why, I can't access it or transfer my funds to my other account.I was hung up on and yelled at by supervisor
My card expired and I was sent another card, but the company said that it's for a new accountAccount Now won't let me transfer my funds or access my account onlineI was hung up on twice trying to speak with a supervisorWhen I did get to speak with a supervisor, they wanted me to send a photo copy of my social security card and ID because they said my account was locked, but would not tell me whyI was yelled at by the supervisor and she threatened to send all my funds on my card back to the sender when I requested to transfer them to my other accountI requested to speak to *** (supervisor I did get to speak with) supervisor, she hung up on meI was told I would have to wait for them to resend another card connected to my expired account, but that I can't access my funds for at least two weeksIt is April 1st, and my rent is dueI don't have two weeks to wait for my funds when they should just be able to grant my request to just transfer my funds to my new account that I have a new card for, that was sent to me by their company to my current addressI am going to lose my residence and my job if I can't access my moneyI asked about cancelling my account and having the full amount of funds in my account to be sent to me, and the supervisor said that she was not able to do so
Consumer's Desired Resolution:
I would like to get my funds from my expired account to my new account in fullAlso be refunded the account maintenance fees from January - AprilThen close all my accounts after I have all my money out of my accountsPeople to be notified how rude and unhelpful the customer service is for this company as wellI could barely understand anyone I spoke with any time I called
Response:
On 4/1/the customer requested that AccountNow transfer funds from her account to another accountWe advised the customer that due to the fact that the Visa card associated with her account had expired and that both accounts had different addresses, we required a copy of her photo identification and a utility bill to verify her identity and addressWe also advised the customer that a replacement card was mailed to her on 2/23/The customer stated she had not received the replacement cardThe customer refused to provide verification documentationWe advised the customer that the remaining funds could be returned to the Originator and the customer refused
On 4/6/the customer provided her photo identification and we advised the customer that we required valid address verification
On 4/14/the customer provided documentation to verify her address and we advised the customer that we required valid address verification
On 4/18/the customer requested that all of her AccountNow accounts be closed and the remaining funds be mailed to her in a checkThe customer stated that she would provide address verificationWhich met the AccountNow requirementAll customer accounts were closed
On 4/19/we reviewed the documentation which was provided on 4/18/and we called the customer to advise that a check for the remaining account balance will be issuedWe anticipate a delivery date by 4/22/The customer may call us with any remaining questions or concernsWe may be reached at (*** ***

Initial Business Response /* (1000, 5, 2015/10/05) */
This customer requested that AccountNow mail a replacement Visa card to an address in MexicoWe have advised the customer that we are unable to mail outside of the countryIn addition, customer's must reside in the United StatesIf the
customer has relocated outside of the United States, the account must be closed
The security questions which we ask are based upon personal information for the customer and are used to identify a customer and prevent fraud
We will send the customer a check for the remaining balance to a US address upon verification that the customer resides at the addressThe customer may upload a utility bill, insurance or bank statement to the AccountNow portal accessible at AccountNow.com or the documentation may be faxed to: (XXX) XXX-XXXX
On 9/24/we attempted to reach the customer at the telephone number provided on his accountWe were advised that the telephone belongs to a motel in Georgia and the customer is no longer a residentWe have sent an email to the address provided in the Revdex.com complaint requesting that the customer contact usThe customer may also reach us at: (XXX) XXX-XXXX

Initial Business Response /* (1000, 5, 2015/05/12) */
The $expedite fee has been credited
Initial Consumer Rebuttal /* (2000, 7, 2015/05/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)

On May 4, 2017, the cardholder contacted AccountNow to file a dispute on a cancelled ACH transaction from the merchant Geico in the amount of $321.38. The agent advised the cardholder since the transaction involved the account number and routing number that the account would have to be
closed, but we could allow a one-time access to the balance on the account. The cardholder advised that she would apply for a new account at a later time
On May 5, 2017, the cardholder contacted AccountNow for the one-time access to the balance on the account
On June 15, 2017, dispute credited posted to the cardholders account in the amount of $
On June 16, 2017, the final resolution letter was mailed to the cardholder
On June 17, 2017, the cardholder contacted AccountNow regarding the dispute credit. The agent advised the account was closed, but that the cardholder could apply for a new account and that we could issue the balance in a check. The cardholder indicated she had a new address and the agent advised the cardholder to provide verification documents of the new address. The cardholder requested to speak with a supervisor. The cardholder requested access to the funds but was advised that the one-time access was already given. The supervisor advised the cardholder that we could issue a check with verification documents, the cardholder then disconnected the call. The cardholder did open a new account with AccountNow Green Dot bank. The card was mailed on June 20, and activated on June 23,
On June 23, 2017, the cardholder contacted AccountNow regarding a card to card transfer to the new account. The agent advised the cardholder we were unable to process the transfer as verification documents were needed on the old account and then a check could be issued
On June 27, 2017, upon receipt of the complaint a risk agent reviewed the account detailsBecause the account was permanently closed due to a dispute and a new account was opened, the cardholder did not have to receive a check for the balanceWe contacted the cardholder at the telephone number provided and processed a card to card transfer from the old account to the new account in the amount of $323.88.We apologize for any inconvenience the cardholder has experienced and as a courtesy we have reversed the cardholder’s 6/27/first Monthly Maintenance fee of $The cardholder may contact AccountNow with any remaining questions at *** ***
Tell us why here

We apologize for any inconvenience to the customerThe reason for the account closure was based upon the information that was provided to AccountNowThe remaining portion of the customer's tax refund has been returned to the Internal Revenue Service W&I DivisionThe processing of a returned refund may take 6-weeks as defined by the Internal Revenue ServiceThe customer must contact the Internal Revenue Service W&I Division for additional information

Initial Business Response /* (1000, 5, 2015/06/22) */
The suspension was lifted as of 6/12/We do not have record of the $loadThe customer has been advised to contact the merchant where the card was loaded

Response:
On July 3, 2017, the cardholder contacted AccountNow to report the card lost and requested to have the address updatedWhile processing the address update with the agent, the cardholder failed the security questions and verification documents were requested to include a photo
identification card and a utility billThe cardholder requested for the card to be expedited once the documents were received and reviewedThe agent advised the cardholder of the $fee for this service and to allow up to business to receive the expedited card
On July 6, 2017, the cardholder submitted a photo identification card and an address documentThe address was updated and the card was expedited to the cardholder
On July 7, 2017, the cardholder contacted AccountNow and processed a replacement card through the automated systemThe automated telephone system goes through a series of prompts to have the card replacedThe cardholder chose the option to have the new card replaced and expedited
Upon receipt of this complaint, AccountNow has reversed the $expedited fee for the cardholderThe cardholder may contact AccountNow with any remaining questions at *** ***.Tell us why here

Initial Business Response /* (1000, 5, 2015/07/21) */
The account has been closed
Initial Consumer Rebuttal /* (2000, 7, 2015/07/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

On 4/27/the customer disputed transactions for a total of: $
The disputed transactions began on 4/7/16, the same day that a payroll ACH deposit of $was applied to the accountThe customer received two additional ACH deposits on 4/21/which funded additional
disputed transactions
Three of the disputed transactions occurred at the ATM located at *** *** *** ** *** ** ***. The customer has prior undisputed transactions at this 7-Eleven since August Two of the transactions have occurred since February
The PIN associated with the customer card was established on 10/5/and there were no PIN failures while the disputed transactions were occurring
There is an undisputed card present transaction during the time the disputed transactions occurred
During the time the disputed transactions occurred, the customer accessed the account times from an IP address that has accessed the account times since July
We found that the customer’s disputed spending pattern is consistent with the customer’s spending patternWith the facts available to us, we did not find that an error has occurred and we sent the customer a denial letter on 5/3/
On 5/9/AccountNow returned a call from the customerWe were unable to reach the customer and we left a message with AccountNow contact information
We stand behind our dispute denial decisionThe customer may contact AccountNow at *** *** with any questions

Initial Business Response /* (1000, 5, 2015/08/17) */
On 8/3/15, the customer contacted AccountNow to dispute charges from Globe Life Insurance that had been double billed in the months of May, June and July Based upon the customer dispute, the account was restricted and the dispute was
submitted to the Dispute Department for processing
On 8/4/15, the disputed transactions were reviewed by the Dispute DepartmentThree of the charges were direct debit transactions and following our policy to prevent additional unauthorized direct debit transactions, the account was closedA call was placed to the customer
On 8/5/15, the customer called AccountNow and a new account was opened for the customerThe card was mailed to the customer on 8/6/Our records show that the customer was credited for the disputed transactions and the account was reopened on 8/5/to allow the customer access to the balance
On 8/7/15, the proof of the account closure was faxed to the telephone number that the customer provided
On 8/11/15, a call was placed to the customer to review the status of her account and to address any additional questionsThe customer could not be reached and a message was left for the customerA second call and message was left on 8/17/The customer may call us at (XXX) XXX-XXXX with any additional concerns
Initial Consumer Rebuttal /* (2000, 10, 2015/08/17) */
8-17-
Sent via email from consumer:
*** ***
Good afternoon,
Yes and thank you for your assistance
Sent from Yahoo Mail for iPhone
Final Business Response /* (1000, 8, 2015/08/17) */
On 8/17/15, the customer contacted AccountNow and stated that neither she or her employer received the 8/7/correspondence regarding her accountThe customer provided her email address and an email was sent to the customer providing the account restriction and replacement card dates that she requestedThe customer confirmed receipt of the email and stated this resolves her complaint

Due to privacy laws, we are only able to release account information to the customerThe customer may contact us at (*** ***On 3/18/we called the consumer who filed the complaintWe were unable to reach the consumer and we left a message requesting that the consumer have the customer
contact us

Initial Business Response /* (1000, 5, 2015/08/27) */
On 8/13/15, AccountNow received a security breach notification meaning the customer's account number may have been exposedOur policy is to advise the customer of the compromise occurrence, verify the customer address and to issue a replacement
cardThe customer address required updating and we requested documentation from the customer
On 8/13/15, AccountNow received the requested address verification documentation and a replacement card was issuedThe replacement card was activated by the customer on 8/17/

Initial Business Response /* (1000, 5, 2015/05/22) */
We are attempting to reach the customer to transferWe initially tried an invalid number but have sense located a new numberA message has been leftWe have also sent an email to arrange a call back

Initial Business Response /* (1000, 9, 2016/01/04) */
The customer's dispute was accepted on 12/13/and the customer was provided with the processing timeframeOn 12/15/15, AccountNow advised the customer that the dispute investigation was in progressOn 12/16/15, AccountNow advised the
customer that the dispute was being evaluated for a provisional credit and an update would be provided by 12/29/On 12/28/15, provisional credit for $102.00, amounting to the disputed Automated Teller Machine $withdrawal and $fee was posted to the customer account
A letter announcing the provisional credit was mailed to the customer on 12/29/This credit has been granted provisionally while we complete our investigationThe investigation will be finalized no later than 01/27/

Initial Business Response /* (1000, 8, 2015/09/15) */
On 9/10/15, the merchant, ***, processed credit transaction for $85.00, debit transaction for $and additional authorizations for $eachThe credit and debit transactions offset and the customer balance was not changedThe
authorizations caused the customer's account balance to be decreased by $On 9/11/15, we received a faxed letter from the merchant to release one authorizationWe released the authorization hold and $was restored the customer account
The customer requested that the 2nd authorization be removedBased upon our review of this customer's excellent history, we released the remaining $authorization ahead of the scheduled expiration dateOn 9/11/15, we spoke to customer to advise that the $was restored to his accountThe customer stated that he was satisfied with this resolution
On 9/12/15, *** processed a debit transaction for $
On 9/14/15, we spoke to the customer about the 9/12/debitThe customer acknowledged that the debit represents his purchase on 9/10/and he had no additional questions or concerns involving this issue
We consider the issue closed

Complaint: ***I am rejecting this response because: I stated to the representative that I didnt want a replacement cardI also advised them that verification of my identity was verified in order to have an account with the company, inwhich I still have an active accountAGAIN , I REFUSED TO HAVE A REPLACEMENT CARD AND HAVE HAD THIS ACCOUNT FOR ALMOST YEARS!! I asked the representative to transfer funds to my active account WHICH IS MY RIGHT AS A CONSUMER TO DO SO! THEY ARE TRYING TO FORCE ME TO GET A NEW CARD THAT I DO NOT WANT AND THE REASON I DO NOT WANT A NEW CARD IS BECAUSE OF THE PROCESS THEY PUT YOU THROUGH TO HAVE ACCESS TO YOUR OWN MONEY! AGAIN ON AN ACCT THAT I SET UP AND BEEN ACTIVE FOR ALMOST YEARS!!Sincerely,*** ***