Initial Business Response /* (1000, 5, 2015/12/03) */
On 11/19/15, customer verification was required due to the receipt of a deposit in the name of an individual other than the customer nameThe account was restricted and the customer was advised that copies of the customer's current
photo identification, social security card, recent utility bill and documentation from the third party authorizing credits in their name to the account was required
On 11/20/the customer documentation was reviewed and the restriction was removed
Do not get it the operating system tell u u should get yo direct deposit today nd then wen u talk to a representative it come day later or the day after that which is falsifying they r full of ** especially with that get paid 2day faster
Initial Business Response /* (1000, 7, 2015/02/27) */
Access was granted to the account on 2/26/and withdrawn in fullThe account is closed
Per the terms and conditions we may verify the account activity and the consumer identityThere are not any additional funds to remit to the
consumer
Initial Consumer Rebuttal /* (2000, 9, 2015/03/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This is correct, the matter is ultimately resolvedI finally contacted someone at the business and they helped me w/d my fundsFurther, they need to sit down and design a new way for consumers to resolve these matters more efficientlyIf I didnt try a new angle, ID still be sitting here with a red face twiddling my thumbs
On 4/27/the customer disputed transactions for a total of: $
"MARGIN: 0in 0in 0pt">
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, 2014/04/02) */
Please direct this complaint to The Bancorp Bank for a responseThank you
Final Business Response /* (1000, 24, 2014/04/22) */
Upon receipt of the required verification documentation we processed a check requestThe check
processed and was approved for mailing on 4/14/It mailed to the new address on 4/15/
Initial Business Response /* (1000, 6, 2015/05/29) */
This is a matter between the customer and the merchantHowever, we are in the process of attempting to work with the merchant to resolve the issue on behalf of Mr***Mr*** will be issued credit if we are able to resolve the
matter in his favor
He may also contact the merchant and attempt to resolve it directly with them
Initial Business Response /* (1000, 8, 2015/07/21) */
We are applying the deposits to the card upon receiptI have spoken to the customer and explained the receipt datesIncluded here are the trace numbers for the customer to provide to the originator:
6/12/XX
XXXXXXXXXXXXXXX
7/10/XX XXXXXXXXXXXXXXX
Initial Business Response /* (1000, 8, 2014/08/18) */
The investigator explained the circumstances and the manager contacted Ms*** to follto see if she had any additional questions
Initial Consumer Rebuttal /* (2000, 10, 2014/08/21) */
(The consumer indicated he/she
ACCEPTED the response from the business.)
My inital call was on 11/25/Do to a lost cardi recieved a secondary card days priior which I inteded to split the money and use it for bill paymentsUntil I realized the nightmare that unfolded before meSo calling on that Wednesday telling her my urgent circumstances , months pregnant and have children its the only money I am recieving at this timeShe told me to call back Friday and the money can be tranferedI reapeated back to her everything she said to me and she assured me again call in Friday and the tranfer will be madeCome Friday I called and the rep who took the call had broken english and read a script to me that she kept reapeating to me before reading the notes that the supervisor took on WednesdayI then asked to speak to the supervisor in which she said the script again and said she will not be able to help youI told her I didnt care our conversation was doneSo I then spoke to the supervisor come to find out was the same one from WednesdayI reminded her what was said then she stated to me rudly I would have to put in a request for a transfer and that will take 24-buisenss hours and being it was a holiday I was going to have to wait until Monday to have it processedAt this point I was livid I asked her why didnt she tell me this on Wednesday when I called in she claimed she did then I repeateded verbatim what she said all she did was give me a fake apology for misleading me with information I then asked her to speak to her supervisorShe gets on the phone again reading a script telling me there was nothing they could do because the company that does the transfers is closedI then told her the money was on the account because I recieved a text saying I had fund transfered to a card I dont not even have in my possession She then tells me it was activated which they charge $I told her how could I have gotten the card if there poloicy is 7-business days and I its only been and if that is the case the trasfer should be able to be processedWe went back and forth and she ended the call with it will be processed Monday and the money will be avalible TuesdayHere is Tuesday I call because the funds are stilll not thereThe rep tells me there was no request sent for a transfer and I was going to have to file one and wait another 24-buiseness days***? I told her why would I wait that long and I can just wait for the replacement she barks back rudly and says yea you can just wait I said what was the point in me callin these past few days to be lied to about my money that I work for thats ***She then agaon tells me there is nothing they can do about this I would have to waitI asked for the names of these people so I can personally hold the accountable for the lack of help and actionsShe then tells me she cannot tell me there names which is funny because when you call they say there name but being they have such broken english its hard to understandAnyways she then tells me to wait so I reminded her she was the same person I have been speaking to and had it not been for her misleading conversation Wednesday and knowing her job role none of this would be taking place so I asked to speak to her supervisor which she acted as if she couldnt hear me and hung up in my faceNo telling how much money I have lost trusting this companyIve asked if monthy staments could be sent to my home in which I never reciveddo to missing funds Im sure where therePlease DO NOT TRUST this company they are a fraud and will steal your money and tell you THERE IS NOTHING THEY CAN DO ABOUT IT
Initial Business Response /* (1000, 5, 2015/11/23) */
This customer account has an authorization hold from HSN for $
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 paymentThis hold is set to expire on 11/23/and in order to release a merchant hold, AccountNow requires written release from the merchant, on company letterheadThe 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 releaseThe letter must be faxed to XXX-XXX-XXXXUpon receipt, AccountNow will contact the customer
On 11/18/and 11/19/15, the customer called AccountNow and stated that the merchant had sent a hold release letterWe 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, 2015/05/01) */
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, 5, 2014/02/21) */
We requested documentary verification due to an inconsistency with the addressThis measure is taken to ensure the security of consumer fundsThe consumer refused to provide the documentation and we advised the consumer that the funds
would then be returned back to the IRS for additional verification and determination of release to the correct ownerDue to the refusal to provide verification we initiated a return back to the IRS on 2/14/Typically their review can take up to weeksThe consumer will need to contact them directly for a status
Final Consumer Response /* (2000, 7, 2014/03/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
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, 2015/02/05) */
We denied the error claimWe re-reviewed the claim when Ms*** called us, but we stand behind our decisionWe do not find that an error occurred, therefore, we will not remit any funds related to the claims filed
Initial
Consumer Rebuttal /* (3000, 7, 2015/02/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again.....As Account Now stand behind their decision, I as well stand behind my claim that they are fully responsible for the funds taken from me and I further request that account provide full details of their findings as to how the funds were taken, where they were taken and who is actually responsible for these unauthorized transactionsI fail to understand how an institution can make their services available as a substitute for regular banking practices and then allow funds to be taken and not feel the need to take full responsibility for this mishap when I have made them fully aware that I am not responsible for these funds
I am again requesting Revdex.com and will file a claim with the FDIC regarding this ordeal and that I am fully dissatisfied with the way this has been handled and definitely still expecting full restitution for the amount of $because this created a financial strain on my household
This type of behavior not only happened on one occasion but it was on two separate occasions after they assured me that closing the account and issuing a new card would prevent this from happening
Therefore, based on my understanding of banking practices, Account Now should be held fully liable for this and make a speedy restitution
Regards,
*** ***
Final Business Response /* (4000, 9, 2015/02/17) */
We do not find that an error occurred and the claim is denied
Final Consumer Response /* (4200, 11, 2015/02/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again, Account Now have failed to give any clear details as to why they are denying this claimThey have failed to provide burden of proof that I am responsible for the removal of the said fundsI have repeatedly tried to get details of their investigation and to date have received no concrete details as to where the funds were taken (merchant) and how these funds were retrieved from my account on both occasions
Therefore, again I am requesting that Account Now fully reimburse me for the funds taken from my account owned by them along with interest for the time that have lapsed since the claim was filed
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2016/01/07) */
The customer account is closed and the last activity occurred in May The balance is $On 1/5/and 1/6/we left messages for the customer at the telephone number provided in the complaintWe request the customer contact us
at (XXX) XXX-XXXX to discuss her account
Initial Consumer Rebuttal /* (2000, 10, 2016/01/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (4000, 7, 2014/11/03) */
We have listened to the callsWe do not believe that the agent misrepresented the feesThe questions that were being asked were perceived as fees related to the load and the agent correctly disclosed the fees related to the load
There was not a discussion about other feesThe fees are disclosed in the terms that were provided at the time of purchase
We have refunded the fee and are processing a check request to the address on the account in the amount of $10, which is the full amount of the load
The account has been closed since the customer has indicated that they do not wish to use the card
Initial Business Response /* (1000, 5, 2015/02/27) */
The agents were not refusing to return the funds to the IRS, they were trying to assist Ms***A return to the IRS would mean that Ms*** would be without her refund for a minimum of - weeksWe were trying to avoid
that
A new card was processed after verification on 2/25/
Our records indicate that Ms*** has additional cards with usAttempts were made to contact Ms*** today to arrange a funds transfer to another card, but we are unable to reach her at any of the telephone numbers provided in our records and there is not an option to leave a message
The card will arrive in the next - days
Initial Consumer Rebuttal /* (3000, 7, 2015/03/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account now is not fully being honest.I have contacted them multiple timesToday I spoke to a lady name ms.isiol which is a supervisior on03/05/and again she said she could not put a transfer to another card that I have with themSo I still dont have the card yetI still dont have access to my funds to pay bills and on my way of getting kicked outI just need my funds al I can handle my business
Final Business Response /* (4000, 9, 2015/03/13) */
Ms*** contacted our office on 3/6/and provided my nameThe funds were transferred based on a note that I left on the card on 2/27/when I left the message for herThe funds were moved to an active card
Final Consumer Response /* (2000, 11, 2015/03/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 8, 2015/07/21) */
We followed the RegE guidelinesWe issued a provisional credit on 6/26/which was in accordance with Regulation E, while we completed our investigationThe merchant advised us that an error had not occurredWe mailed a letter on
7/8/informing the customer that the provisional credit would be reversed on 7/15/We reversed the provisional credit on 7/15/
Initial Business Response /* (1000, 5, 2015/06/09) */
The hold policy was explained to the cardholder and the following policy is provided on the AccountNow website:
"Why do I have a hold on my account balance after purchasing gas?
If you purchase gasoline using a credit transaction
some gas stations may place a hold on your account for approximately $or more which may limit access to your account balance for up to business days
To avoid such holds, we recommend that you purchase gas using a debit transactionSimply swipe your card at the pump or take your card inside to the cashier and use your card and PIN to pay for the gas using a debit transaction."
Initial Business Response /* (1000, 5, 2014/07/10) */
The account was reinstated on 6/24/
Initial Business Response /* (1000, 5, 2015/12/03) */
On 11/19/15, customer verification was required due to the receipt of a deposit in the name of an individual other than the customer nameThe account was restricted and the customer was advised that copies of the customer's current
photo identification, social security card, recent utility bill and documentation from the third party authorizing credits in their name to the account was required
On 11/20/the customer documentation was reviewed and the restriction was removed
Do not get it the operating system tell u u should get yo direct deposit today nd then wen u talk to a representative it come day later or the day after that which is falsifying they r full of ** especially with that get paid 2day faster
Initial Business Response /* (1000, 7, 2015/02/27) */
Access was granted to the account on 2/26/and withdrawn in fullThe account is closed
Per the terms and conditions we may verify the account activity and the consumer identityThere are not any additional funds to remit to the
consumer
Initial Consumer Rebuttal /* (2000, 9, 2015/03/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)
This is correct, the matter is ultimately resolvedI finally contacted someone at the business and they helped me w/d my fundsFurther, they need to sit down and design a new way for consumers to resolve these matters more efficientlyIf I didnt try a new angle, ID still be sitting here with a red face twiddling my thumbs
On 4/27/the customer disputed transactions for a total of: $
"MARGIN: 0in 0in 0pt">
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, 2014/04/02) */
Please direct this complaint to The Bancorp Bank for a responseThank you
Final Business Response /* (1000, 24, 2014/04/22) */
Upon receipt of the required verification documentation we processed a check requestThe check
processed and was approved for mailing on 4/14/It mailed to the new address on 4/15/
Initial Business Response /* (1000, 6, 2015/05/29) */
This is a matter between the customer and the merchantHowever, we are in the process of attempting to work with the merchant to resolve the issue on behalf of Mr***Mr*** will be issued credit if we are able to resolve the
matter in his favor
He may also contact the merchant and attempt to resolve it directly with them
Initial Business Response /* (1000, 8, 2015/07/21) */
We are applying the deposits to the card upon receiptI have spoken to the customer and explained the receipt datesIncluded here are the trace numbers for the customer to provide to the originator:
6/12/XX
XXXXXXXXXXXXXXX
7/10/XX XXXXXXXXXXXXXXX
Initial Business Response /* (1000, 8, 2014/08/18) */
The investigator explained the circumstances and the manager contacted Ms*** to follto see if she had any additional questions
Initial Consumer Rebuttal /* (2000, 10, 2014/08/21) */
(The consumer indicated he/she
ACCEPTED the response from the business.)
My inital call was on 11/25/Do to a lost cardi recieved a secondary card days priior which I inteded to split the money and use it for bill paymentsUntil I realized the nightmare that unfolded before meSo calling on that Wednesday telling her my urgent circumstances , months pregnant and have children its the only money I am recieving at this timeShe told me to call back Friday and the money can be tranferedI reapeated back to her everything she said to me and she assured me again call in Friday and the tranfer will be madeCome Friday I called and the rep who took the call had broken english and read a script to me that she kept reapeating to me before reading the notes that the supervisor took on WednesdayI then asked to speak to the supervisor in which she said the script again and said she will not be able to help youI told her I didnt care our conversation was doneSo I then spoke to the supervisor come to find out was the same one from WednesdayI reminded her what was said then she stated to me rudly I would have to put in a request for a transfer and that will take 24-buisenss hours and being it was a holiday I was going to have to wait until Monday to have it processedAt this point I was livid I asked her why didnt she tell me this on Wednesday when I called in she claimed she did then I repeateded verbatim what she said all she did was give me a fake apology for misleading me with information I then asked her to speak to her supervisorShe gets on the phone again reading a script telling me there was nothing they could do because the company that does the transfers is closedI then told her the money was on the account because I recieved a text saying I had fund transfered to a card I dont not even have in my possession She then tells me it was activated which they charge $I told her how could I have gotten the card if there poloicy is 7-business days and I its only been and if that is the case the trasfer should be able to be processedWe went back and forth and she ended the call with it will be processed Monday and the money will be avalible TuesdayHere is Tuesday I call because the funds are stilll not thereThe rep tells me there was no request sent for a transfer and I was going to have to file one and wait another 24-buiseness days***? I told her why would I wait that long and I can just wait for the replacement she barks back rudly and says yea you can just wait I said what was the point in me callin these past few days to be lied to about my money that I work for thats ***She then agaon tells me there is nothing they can do about this I would have to waitI asked for the names of these people so I can personally hold the accountable for the lack of help and actionsShe then tells me she cannot tell me there names which is funny because when you call they say there name but being they have such broken english its hard to understandAnyways she then tells me to wait so I reminded her she was the same person I have been speaking to and had it not been for her misleading conversation Wednesday and knowing her job role none of this would be taking place so I asked to speak to her supervisor which she acted as if she couldnt hear me and hung up in my faceNo telling how much money I have lost trusting this companyIve asked if monthy staments could be sent to my home in which I never reciveddo to missing funds Im sure where therePlease DO NOT TRUST this company they are a fraud and will steal your money and tell you THERE IS NOTHING THEY CAN DO ABOUT IT
Initial Business Response /* (1000, 5, 2015/11/23) */
This customer account has an authorization hold from HSN for $
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 paymentThis hold is set to expire on 11/23/and in order to release a merchant hold, AccountNow requires written release from the merchant, on company letterheadThe 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 releaseThe letter must be faxed to XXX-XXX-XXXXUpon receipt, AccountNow will contact the customer
On 11/18/and 11/19/15, the customer called AccountNow and stated that the merchant had sent a hold release letterWe 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, 2015/05/01) */
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, 5, 2014/02/21) */
We requested documentary verification due to an inconsistency with the addressThis measure is taken to ensure the security of consumer fundsThe consumer refused to provide the documentation and we advised the consumer that the funds
would then be returned back to the IRS for additional verification and determination of release to the correct ownerDue to the refusal to provide verification we initiated a return back to the IRS on 2/14/Typically their review can take up to weeksThe consumer will need to contact them directly for a status
Final Consumer Response /* (2000, 7, 2014/03/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
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, 2015/02/05) */
We denied the error claimWe re-reviewed the claim when Ms*** called us, but we stand behind our decisionWe do not find that an error occurred, therefore, we will not remit any funds related to the claims filed
Initial
Consumer Rebuttal /* (3000, 7, 2015/02/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again.....As Account Now stand behind their decision, I as well stand behind my claim that they are fully responsible for the funds taken from me and I further request that account provide full details of their findings as to how the funds were taken, where they were taken and who is actually responsible for these unauthorized transactionsI fail to understand how an institution can make their services available as a substitute for regular banking practices and then allow funds to be taken and not feel the need to take full responsibility for this mishap when I have made them fully aware that I am not responsible for these funds
I am again requesting Revdex.com and will file a claim with the FDIC regarding this ordeal and that I am fully dissatisfied with the way this has been handled and definitely still expecting full restitution for the amount of $because this created a financial strain on my household
This type of behavior not only happened on one occasion but it was on two separate occasions after they assured me that closing the account and issuing a new card would prevent this from happening
Therefore, based on my understanding of banking practices, Account Now should be held fully liable for this and make a speedy restitution
Regards,
*** ***
Final Business Response /* (4000, 9, 2015/02/17) */
We do not find that an error occurred and the claim is denied
Final Consumer Response /* (4200, 11, 2015/02/25) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once again, Account Now have failed to give any clear details as to why they are denying this claimThey have failed to provide burden of proof that I am responsible for the removal of the said fundsI have repeatedly tried to get details of their investigation and to date have received no concrete details as to where the funds were taken (merchant) and how these funds were retrieved from my account on both occasions
Therefore, again I am requesting that Account Now fully reimburse me for the funds taken from my account owned by them along with interest for the time that have lapsed since the claim was filed
Sincerely,
*** ***
Initial Business Response /* (1000, 5, 2016/01/07) */
The customer account is closed and the last activity occurred in May The balance is $On 1/5/and 1/6/we left messages for the customer at the telephone number provided in the complaintWe request the customer contact us
at (XXX) XXX-XXXX to discuss her account
Initial Consumer Rebuttal /* (2000, 10, 2016/01/26) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (4000, 7, 2014/11/03) */
We have listened to the callsWe do not believe that the agent misrepresented the feesThe questions that were being asked were perceived as fees related to the load and the agent correctly disclosed the fees related to the load
There was not a discussion about other feesThe fees are disclosed in the terms that were provided at the time of purchase
We have refunded the fee and are processing a check request to the address on the account in the amount of $10, which is the full amount of the load
The account has been closed since the customer has indicated that they do not wish to use the card
Initial Business Response /* (1000, 5, 2015/02/27) */
The agents were not refusing to return the funds to the IRS, they were trying to assist Ms***A return to the IRS would mean that Ms*** would be without her refund for a minimum of - weeksWe were trying to avoid
that
A new card was processed after verification on 2/25/
Our records indicate that Ms*** has additional cards with usAttempts were made to contact Ms*** today to arrange a funds transfer to another card, but we are unable to reach her at any of the telephone numbers provided in our records and there is not an option to leave a message
The card will arrive in the next - days
Initial Consumer Rebuttal /* (3000, 7, 2015/03/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account now is not fully being honest.I have contacted them multiple timesToday I spoke to a lady name ms.isiol which is a supervisior on03/05/and again she said she could not put a transfer to another card that I have with themSo I still dont have the card yetI still dont have access to my funds to pay bills and on my way of getting kicked outI just need my funds al I can handle my business
Final Business Response /* (4000, 9, 2015/03/13) */
Ms*** contacted our office on 3/6/and provided my nameThe funds were transferred based on a note that I left on the card on 2/27/when I left the message for herThe funds were moved to an active card
Final Consumer Response /* (2000, 11, 2015/03/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 8, 2015/07/21) */
We followed the RegE guidelinesWe issued a provisional credit on 6/26/which was in accordance with Regulation E, while we completed our investigationThe merchant advised us that an error had not occurredWe mailed a letter on
7/8/informing the customer that the provisional credit would be reversed on 7/15/We reversed the provisional credit on 7/15/
Initial Business Response /* (1000, 5, 2015/06/09) */
The hold policy was explained to the cardholder and the following policy is provided on the AccountNow website:
"Why do I have a hold on my account balance after purchasing gas?
If you purchase gasoline using a credit transaction
some gas stations may place a hold on your account for approximately $or more which may limit access to your account balance for up to business days
To avoid such holds, we recommend that you purchase gas using a debit transactionSimply swipe your card at the pump or take your card inside to the cashier and use your card and PIN to pay for the gas using a debit transaction."