A Locksmith

(The consumer indicated he/she DID NOT accept the response from the business.)They say they sent me a replacement card but if they would have it would have been forwarded to my correct addressAlso in these cases they should have sent out an email to me in regards to my accountThey should offer rush delivery for free to customeersMy family had to go days without basic needs due to them not having a proper way to let cardholders know that there card was going to be shut off

On 4/12/we advised the customer that her tax refund was processed by *** *** *** and when AccountNow returned the tax refund, the funds were returned back to TPGTPG is affiliated with AccountNow and we shared the documentation that the customer provided in order to facilitate the issuance of a check rather than have the funds returned by TPG to the ***On 4/15/we advised the customer that TPG issued a check to the customer on 4/12/The customer may contact AccountNow at *** *** with any additional questions or concerns

Initial Business Response /* (1000, 5, 2015/05/29) */
We will require verifiable address documentation to mail a check to a new address, the customer must provide documentation showing that he has moved to the new address
Initial Consumer Rebuttal /* (2000, 7, 2015/06/01) */
(The consumer
indicated he/she ACCEPTED the response from the business.)
OkI will fax documentationThank you

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, *** ***

Initial Business Response /* (1000, 5, 2015/05/22) */
We have received the error claim and have assigned the claim to an investigatorWe have business days to conduct and investigation before we are required to issue provisional creditWe have asked for a written confirmation of error as
wellWhile we are investigating this matter without the notice, we may extend the investigation period past the days if the written notice is not returnedPlease sign and return the written confirmation of notice while we are investigating this matter
Initial Consumer Rebuttal /* (2000, 7, 2015/05/27) */
5-27-
Sent via email:
This is Ms *** *** I have a complaint filed against account now they just refunded my money on my replaced card as of todayI strongly suggest you keep a close eye on this company because I know I will!

Complaint: ***I am rejecting this response because I never called inMy phone, wallet and and all my information was stolen from and now I'm a victim of identity theftI also have the police report I filed for all of these chargesI would like all the information used to deny my claim and I would like it in writing so I can take it to the police officer who filed the report for meAlso, I would like to have this case reopened, because someone has been calling in pretending to be me
Sincerely,*** ***

On May 2, 2017, the cardholder made a Green Dot swipe cash load in the amount of $to the account. The cardholder was assessed a $activation fee, leaving the account with a balance of $15.05. The cardholder then contacted AccountNow regarding adding a second cardholder to
the account as he was expecting a tax deposit for a third party. The second cardholder was added and the $second cardholder fee was assessed to the account, leaving the account with a balance of $5.05. The cardholder then used the card for a transaction with the merchant Kwik Fill
On May 3, 2017, the account was blocked due to notification of a mismatch name ACH tax deposit. The deposit was rejected and returned back to the Internal Revenue Service. The cardholder contacted AccountNow to inquire about the status of the account and was advised that the direct deposit rejected as it was a mismatch name ACH direct deposit and it takes hours for the system update when a second cardholder is added. Because the second cardholder’s direct deposit rejected the cardholder requested a refund of the second cardholder fee, however, the second cardholder was added successfully, so the agent denied the request
On May 9, 2017, upon review of the complaint, we have reversed the $second cardholder fee as a courtesy since the second cardholder direct deposit rejected.. The current account balance is $11.05. The account is active and available for useThe cardholder may contact AccountNow with any remaining questions at *** ***

The cardholder has not provided any new information that would result in a re-review of the original dispute resolutionBased on the facts available to us, we do not find that an error has occurredThe cardholder may contact AccountNow with any remaining questions at *** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

On March 8, 2017, an ACH tax deposit posted to the cardholder’s account in the amount of $2615.06.
On March 12, 2017, the account was blocked pending verification of a merchant refund without an offsetting debitWe requested verification documents to include a photo identification card,
a utility bill and the original purchase receipt
On March 13, 2017, the cardholder contacted AccountNow regarding the account block and was advised the account was blocked due to the refund received from the merchant WIS***, and that we needed a photo identification card, a utility bill and the original purchase receipt
On March 15, 2017, we received the cardholder’s photo identification card, the front of the card, the transaction order confirmation and a mailer showing a different address than was on file. The agent requested the cardholder provide a utility bill
On March 16, 2017, we received and reviewed the same documents that were provided on March 15,
On March 17, 2017, AccountNow Risk Department reviewed the documents provided, updated the address and reopened the account. We contacted the cardholder at the telephone number provided but there was no answer and a message was left. The cardholder has been actively using the accountThe cardholder may contact AccountNow with any remaining questions at *** ***
Tell us why here

Initial Business Response /* (1000, 7, 2015/07/21) */
We denied the claim and have mailed the details we used in arriving at our decision by mail as requested by the cardholder
Initial Consumer Rebuttal /* (3000, 9, 2015/07/23) */
(The consumer indicated he/she DID NOT accept the response from
the business.)
I still Haven't received any information Regarding their so called investigation for my claimInformation showing The reason Why my claim was denied.This is unacceptable and a really big inconvenience.I feel That account now could have been a little more sensitive Towards me considering I've been Dealing with them for Over 3yrs now With no incidents whatsoever and They could have done a more thorough investigationSomeone made Unauthorized purchases From my account without my knowledge..These purchases had to be made with credit therefore there should be signatures on receipts at the merchants..So whoever made these purchases had to sign for these Items and show Identification
Final Business Response /* (4000, 15, 2015/09/28) */
***Document Attached***
On 7/27/another copy of the AccountNow dispute denial letter was shipped to the customerOn 7/30/the customer signed for the package
Final Consumer Response /* (4200, 17, 2015/09/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No I do not accept the resolution that was offered to meI had unauthorized purchases that occurred within days those purchases was made with credit therefore the merchants should of ask for identification and signature At the time of purchase..I don't think it's fair to me because I visited businesses in the past but not the same locations..I work for a trucking company therefore I am all over town making deliveries.I really don't understand why my claim was denied in the first place I trusted account now to protect my funds and had been doing so for years now all of a sudden there's a problem..I wouldn't recommend anyone to use account now prepaid card

Initial Business Response /* (1000, 5, 2015/05/01) */
A card had to be reissued due to the customer reported that the card was damagedThe card reissue was processed on 4/25/
Initial Consumer Rebuttal /* (2000, 7, 2015/05/05) */
(The consumer indicated he/she ACCEPTED the response from the
business.)
The only reason why I accept is because I received a card but all the charges that this card company have are crazy and you wont know about them unless you really pay atattentionThe service reps really are no help

Initial Business Response /* (1000, 12, 2015/07/21) */
We do not have a prepaid card in the name provided on the complaintTo research the matter further, we will require the card number in question
Initial Consumer Rebuttal /* (3000, 14, 2015/07/25) */
(The consumer indicated he/she DID NOT
accept the response from the business.)
After what I thought was just activating the card, I received an email that said I was almost done, I just had to fax in my DL, SSC, and a billI sent those in, I called to find out the status even though YOUR email states YOU would be in touch with ME, just to find out the card was already activatedYou have put my identity at risk as I sent in all of the information your misleading email states I needed toThis is unacceptable and I'm reporting you to the Federal Reserve for being incredibly misleading in your terms and conditions
Final Business Response /* (4000, 16, 2015/08/06) */
In our original 7/21/response, we advised that we were unable to locate the customer account and we requested the card numberThe customer has not provided the card number in the rebuttalOn 8/5/and 8/6/15, we left voicemail messages requesting the customer call back and provide the card number so that we may identify the account in question and assist the customer

On April 17, 2017, the cardholder contacted AccountNow regarding his $direct deposit bonus. The agent advised the cardholder that he qualified for the direct deposit bonus as of April 12, and that it should post within days. On June 29, 2017, upon receipt of the
complaint the account was reviewed and we posted a $direct deposit bonus to the cardholder’s accountAn AccountNow customer service agent contacted the cardholder to adviseThe cardholder indicated that the replacement card that was processed on June 14, had not been received, the agent confirmed the address and processed a new replacement card
On June 14, 2017, the cardholder contacted AccountNow to file a dispute for a $ATM transaction indicating that it was unauthorized. We also received the cardholder’s written notification listing the transaction as unauthorized
On June 21, 2017, AccountNow concluded our investigation and determined the following:
Our records show that the cardholder spoke with an agent at 6:p.mEST on 06/07/and indicated that he was unable to use the card online with Money GramThe cardholder stated that he was unable to use the card at an ATMThe cardholder then stated that he was trying to send funds to himself through Money Gram due to him not being able to use the ATM
The cardholder confirmed that the $card present transaction with Sunoco at 4:p.mEST was successful on June 7, 2017. The cardholder also confirmed that he was able to check his balance at the ATM located at *** * *** *** at 4:p.mEST on June 7, The agent informed the cardholder that she did not show any ATM declined transactions on the account for June 7,
The agent then assisted the cardholder with instructions on how to send funds through Money GramThe agent also provided the cardholder with the options on how to access funds from the account through Walmart by processing a cashback transactionThe cardholder stated that he understoodThe cardholder did not request to have a new card issued during this call
Our records show that the cardholder did not speak with another agent until he filed the dispute on June 14,
In re-review of the June 14, dispute call, at the onset of the call the cardholder stated that he spoke with an AccountNow agent the week before and requested a block be placed on the cardThe cardholder stated that he had to block the card himself through the automated system on June 14, The cardholder indicated that the card was declined multiple times with multiple merchants due to the magnetic strip being damagedThe cardholder confirmed that he processed all of the transactions on the account except the disputed $ATM transaction that occurred on June 7, The cardholder indicated that he never went to the disputed ATM location
The card was still in the cardholder’s possession
There were no declined transactions due to invalid pin
There were no pin updates nor was the pin changed immediately prior to the dispute
Funds were not “drained” immediately.
Based on the facts available to us we determined that no error occurred.
On June 22, 2017, the final resolution letter was mailed to the cardholder
On June 28, 2017, upon receipt of the complaint an AccountNow investigator re-reviewed the denial decision and determined that no new information has been provided that would change the original denial decision and that the denial decision standsPer the cardholders request the denial decision reasons will be mailed to the cardholder at the address on file. The cardholder may contact AccountNow with any remaining questions at *** ***.Tell us why here

Initial Business Response /* (1000, 6, 2016/01/07) */
The customer has opened accounts including account XXXXXXXXXXXAll accounts with the exception of account XXXXXXXXXXX have $balances and have been closedAccount XXXXXXXXXXX has a balance and has been inactive since October and
was closedOn 1/5/the customer requested that the remaining balance on his account be sent to him in a check
A check for the remaining balance in account XXXXXXXXXXX has been sent to the customer

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

On March 20, 2017, the cardholder contacted AccountNow regarding some transactions. The cardholder was advised that she could view transactions for up to months
On March 27, 2017, the cardholder contacted AccountNow regarding paper statements for the month of February and March that
she would like mailed to herThe agent advised the cardholder to view the statements online
On April 1, 2017, the cardholder contacted AccountNow regarding paper statements and again the agent advised the cardholder to go online to access the statements. The cardholder requested to speak with a supervisor and was transferred. The supervisor attempted to walk the cardholder through accessing the statements online, however, the cardholder indicated that she already tried and was unable to do so
On April 4, 2017, upon receipt of the complaint we submitted a requested to provide the cardholder with copies of her statements
On April 5, 2017, February and March paper statements were sent to the cardholder via UPS tracking number ***
On April 7, 2017, the paper statements were delivered to the cardholderThe cardholder may contact AccountNow with any remaining questions at *** ***

Initial Business Response /* (1000, 5, 2016/01/13) */
On 12/25/the customer called and reported an unauthorized transactionWe advised the customer that her card would be restricted and a replacement card issuedThe call was disconnected before a dispute could be filed
On 12/26/the
customer called and a dispute was filedThe customer requested that her replacement card be sent to a new addressThe customer was asked to send a current bill to verify the address and the customer stated she did not have a bill or other address verification
On 12/26/the customer called and reported that she was no longer disputing the transaction and requested that the dispute be cancelledThe customer was advised that we required her photo id and a bill to verify her identity and addressThe customer was provided temporary access to her account
On 1/6/16, the customer called and asked how to lift the restriction on her accountThe customer was advised that we required her photo id and a bill to verify her identity and address
On 1/8/the customer called and we advised the customer that we required her photo id and a bill to verify her identity and address
On 1/12/we received the customer's photo id and a billWe called the customer and she stated that her daughter had used her card and performed the transactions which she disputed on 12/26/The customer's address was updated and the account was reopened
On 1/15/a message was left for the customer at the telephone number provided in the complaint

Initial Business Response /* (1000, 5, 2015/11/23) */
On 11/6/the customer account was openedOn 11/10/15, two cash withdrawal transactions were performed in Tijuana, MexicoOn 11/11/15, the customer was called to verify activityThe telephone number on file is disconnected and we were
unable to reach the customerThe account was restricted to verify the customer identity, address and to obtain cash deposit receipts
On 11/17/15, the customer called AccountNow and stated that there were no international transactions on his account and that his activity was limited to taxi charges in Las VegasThe customer was advised that we require his photo identification, a utility bill and cash deposit receiptsThe customer hung up
The telephone number and address listed in the Revdex.com complaint are different than the telephone number and address used to open the account on 11/6/
On 11/20/15, the customer was called at the telephone number provided in the Revdex.com complaintThe telephone rang, however there was no answer and there was no voicemail option
We request the customer contact us and provide the required documentation to verify his identity, address and the cash deposits on his accountWe may be reached at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/11/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
All factually incorrectFirst, THEY sent me the card, to THIS address so not sure how the address doesn't match what's on file because they obviously had the right one when sending me this card UNSOLICITEDPlease call my phone number listed, there is a valid voice-mail option and I've had the same number for almost yearsAt no time did anyone leave a message and at no time has it EVER been disconnectedThey are failing to disclose requesting a copy of my social security cardNo financial institution has ever required a copy of such, especially via fax or emailThis is a pre paid card so not sure why I have to verify that I went into a Walgreens to load it, with cashWhen I did contact someone after my card was frozen, I asked what caused my card to be frozen and they stated they were unable to discloseWhen I verified my SS#, address, date of birth and everything else required for them to speak to me, that should cover verificationI will not provide my SS card copy and after consulting an attorney, I am not required toI will provide a copy of my passport, a bill to my current address and a copy of the receipt from Walgreens for the cash load if that will resolve the issue to access MY funds, close my card and be done with these thief'sI will not provide my SS card or CA identification due to identity theft concerns and many of their customers posting of identity theft after providing such documentsAt this point the lies and conveniently left out pertinent data is almost comicalMy "middle ground" is to get my $300+ back without having to send anyone a copy of my SS card or drivers licenseIt's clear this is a less than integral institution due to hundreds of stories like mine posted within several forums across the webIt's sad to see some of the people have had their lives impacted negatively because of suchMy bad for not doing my homework before driving to Walgreens to put cash on the card so I had some funds available outside of the joint family account my wife has full visibility and access tooLesson learned, now can I get my money?
To clarify, my address is:
*** XXXXX
My phone number is: (XXX) XXX-XXXX
Final Business Response /* (4000, 15, 2015/12/23) */
On 12/23/15, we spoke to the customer and explained the reason for his account restriction for verificationThe customer acknowledgedWe sent the customer an email so that he could respond with the requested documentation
The customer provided the requested documentation and the account has been reopened
Final Consumer Response /* (2000, 17, 2015/12/29) */
(The consumer indicated he/she ACCEPTED the response from the business.)
*** was extremely helpful, thorough in his explanation and provided superior customer service in helping me resolve the matter

Initial Business Response /* (1000, 9, 2015/05/22) */
A message was left for the cardholder on 5/We can transfer to an active card if she has the cardNotes are on the account and as of this date a return call has not been received
Initial Consumer Rebuttal /* (3000, 11, 2015/05/26)
*/
(The consumer indicated he/she DID NOT accept the response from the business.)
I repeatedly asked them to unlock the card I have to receive my paycheckThey locked it without my permissionI have been getting the run around with them for over a month nowThere was no possible compromiseI do not even shop at home DepotThey also told me once I got a new card in the mail that it would transfer right awayMeanwhile, they closed the locked card before it could transferThey can't do thatIt is against my rights
Final Consumer Response /* (3000, 20, 2015/06/12) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I received a card maybe weeks ago ending in ***Please transfer my funds immediately
Final Business Response /* (4000, 22, 2015/06/22) */
The funds have been moved