Initial Business Response /* (1000, 5, 2014/05/02) */
The fee has been credited
Initial Consumer Rebuttal /* (2000, 7, 2014/05/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am very satisfied with the out comeThank you very for your help
Initial Business Response /* (1000, 5, 2014/10/16) */
We have reviewed our records
We received a report on 9/19/that the card had been lostThis was a FridayThe card was closed and a new card was requestedA file was produced and picked up by the card processor on Monday
9/22/14, and the card was mailed the same day on 9/22/
Typical mail timeframes are five to seven business days, but this depends on mail delivery times in the customer's mail delivery areaMail delivery can take up to business days
On 10/6/14, Mr*** reported that he had not received the replacement card and asked to have the card expeditedThere is a $fee for this service
The replacement card account was closed on 10/6/14, a new card requested by expedited serviceA file was produced and picked up by the card processor on 10/7/14, and the card was mailed the same day on 10/7/The card was received and activated on 10/8/
We apologize if Mr*** felt that the service provided was unsatisfactoryWe find that the agents promptly processed the request as soon as the loss and non-receipt of the cards were received and that the requests were processed correctly
Initial Business Response /* (1000, 5, 2014/08/01) */
Holds are placed on accounts to ensure that funds are available when the merchant presents the transaction for paymentThe following information can be found our our website within the customer accountThis explains the hold process
and what measures can be taken to release a hold early
How long do holds stay on my account?
All holds have an expiration date lasting approximately to business days from the date of serviceHotels and rental car merchant holds may take longer (up to business days)
Back to Top
How do I release a hold on my account?
All holds automatically drop off after the specified expiration date; or when the merchant collects on the final bill; you don't need to do anythingTo release an authorization before the expiration date, we would need a fax directly from the merchant advising AccountNow that they will not collect their funds(Please note that if the merchant is collecting any portion less than the hold amount, the hold will not be released until the final purchase is posted.) Once we get the fax, we will review and remove the authorization held if the fax is completeThere may be a $service fee for this exception request
If you wish to proceed with an early hold release, please contact the merchant to provide the following information:
a) Fax on company letter head matching the name of the merchant sent to (XXX) XXX-XXXX
b) The reason to release the hold
c) Exact dollar amount of the hold to release
d) Contact information and name of the person responsible for sending the fax
Initial Consumer Rebuttal /* (3000, 7, 2014/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I plan on closing this account because of the poor customer service and the way the bank holds the customers's funds even when the merchant has informed the customer that funds were releasedThis puts the customer at a great disadvantage and the bank should be for the customer not against them
Funds were finally returned after going back and forth between bank and merchantThe customer shouldn't have to do that to have funds returned or released from a hold
Final Business Response /* (4000, 9, 2014/08/11) */
Our hold policy is in place to prevent accounts from becoming overdrawnWe apologize for the frustration that the matter caused
Final Consumer Response /* (4200, 11, 2014/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm attempting to close this account, I will no longer be using their serviceTks
Initial Business Response /* (1000, 5, 2015/02/25) */
The funds were transferred on 2/11/
Initial Consumer Rebuttal /* (2000, 7, 2015/02/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/11/06) */
AccountNow received two complaints from this customer for the same issueOne complaint was sent to the Federal Deposit Insurance Corporation and the second was sent to the Revdex.com
We have received Veterans
Administration deposits on this customer account since August On October 28, 2015, AccountNow closed the account due to a change of address, repeated calls by a third party, and the inability for the customer to provide address verificationAccountNow contacted the Veteran's Administration and a representative stated that the new address did not match the address on file at the VAOn 10/31/AccountNow advised the customer that the account would be reopened on 10/31/only to allow the customer to remove remaining funds and the account would then be permanently closed at the end of the dayThe customer was provided with the account balance and the customer performed transactions to remove funds
The account was closed as we advised and has a remaining balanceWe have been unable to reach the customer to make arrangements for the remaining balance to be sent to the customer by checkWe request the customer contact us at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now supplied many answers and excuses for withholding funds that are illegal to with holdthe representative s were impossible, so I had my son deal with themthey started calling my phone repeatedly, so I blocked them on my phonethe address with the VA is not the same as the one with aaccount now, and never has beenWe sent many forms of verification, account now claims were not received, or not acceptable
Final Business Response /* (4000, 14, 2015/12/17) */
The last deposit posted to the account occurred on 11/25/It was from the Veteran's Administration and the amount was $The customer account was reopened to allow the customer to remove the remaining fundsThe account now has a $balance and has been closedThe customer may destroy and discard any remaining Visa cards
No additional deposits will post to the account and will be returnedWe recommend that the customer contact the Veteran's Administration to make arrangements for future benefit payments to avoid any delays
Final Consumer Response /* (4200, 16, 2015/12/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now has mailed new debit cards to me and my son mid December (XXXX) to the *** address they say is invalidI have mail and emailed these letters to the appropriate agencies including Account now and the FDIC
Initial Business Response /* (1000, 5, 2015/08/04) */
The fee for an over the counter cash advance is 3%
The $represents the fee that was assessed for the $cash advanceThis is disclosed in the fee schedule available to all customersTherefore this fee is validCustomers
have the option to withdraw cash from Automated Teller Machines or perform purchase cashback transactions for lower fees
Initial Business Response /* (1000, 5, 2015/02/19) */
Based on the timeframes that the deposit was submitted to us, we applied the deposit at the next possible posting window on 2/6/Our records indicate that this is a new payroll provider for the customerHe may want to check with the
provider to determine their processing windows
Initial Business Response /* (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
*** ***
Compliance and Risk Development Manager
Initial Consumer Rebuttal /* (2000, 11, 2015/07/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2014/12/19) */
We have a policy related to gasoline holdsThis policy is described in the customer center:
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
Gasoline holds are not released until the item clears
Initial Business Response /* (1000, 5, 2015/08/06) */
This account was restricted for documentary verification from the customer including her photo identificationWe apologize if the customer was advised that a tax transcript would suffice or if the customer was advised that a check would
be mailed to her without receipt of her photo identification and address verification
We have credited the customer account for the fees which were assessed and we have removed the transferred fundsThe account has been closed with a $balance
Initial Business Response /* (1000, 5, 2014/12/29) */
This fee is disclosed in the termsHere is the disclosure:
Monthly Fee (SVC CHG-MONTHLY)
Initially charged at time of first value load on your Card, and charged on the same day of each subsequent month - $per month
The fee
was charged as dislcosed in the terms related to the card
In reviewing the customer account history, it appears that the customer experienced access issues on 3/29/We apologize for the inconvenience that the customer experienced.The monthly fee assessed on the customer account is $The March fee was assessed on 3/2/On 4/7/we
called the customer to review the complaint and to advise that we have credited the account for the March monthly feeThe call was dropped and we called a second timeWe were unable to reach the customer and we left a messageThe customer may call us with any additional questions or concerns at *** ***
Initial Business Response /* (1000, 5, 2014/03/14) */
The documents were provided, verified, the address updated and a new card mailed on 3/5/Our records indicate that the new card was activated on 3/10/
Initial Business Response /* (1000, 5, 2014/06/09) */
Our records indicate that the check was received and cased on 5/27/We will review and expenses incurred related to the delayPlease provide the invoices showing dates and fees incurred for reviewThe documentation may be faxed to
XXX-XXX-XXXX
Initial Business Response /* (1000, 5, 2016/01/06) */
On 12/23/the customer called AccountNow and questioned a Direct TV authorization holdThe customer was provided with the authorization hold expiration dateOn 12/26/15, the customer called and again questioned the Direct TV
transactionThe customer service representative interpreted the customer comments as disputing the transaction and restricted the account
On 12/30/the customer reported that she had not disputed a transactionHowever, the customer account also experienced a security violation
On 1/5/16, the security violation was resolved and the account restriction was removedThe customer has access to her funds and is using her account
On 1/6/a message was left for the customer at the telephone provided in the complaintThe customer may contact us at (XXX) XXX-XXXX with any remaining questions
Initial Business Response /* (1000, 5, 2014/05/21) */
We are not saying that we have not received the verification documentationWe have attempted to contact the customer to advise her of the issue but we have not received a return call
We have not received the necessary documentation
We will require an unexpired Photo IDThe copy sent shows an expired IDWe will require a current utility bill to verify the address
This is what we are waiting on
Initial Consumer Rebuttal /* (3000, 7, 2014/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
THAT IS UNTRUE- I finally received an email from them on MAY 13TH! I have been calling and leaving messages since beginning of April- The utility bill I sent on 4/was the previous month's bill then and I also sent them a picture of my Alien ID card that is still very much active
Final Business Response /* (4000, 9, 2014/06/03) */
We have pulled all the documentation sent and have been able to pull the necessary documentation together from the various faxes to mail a checkA check has been requested
Final Consumer Response /* (2000, 11, 2014/06/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/09/01) */
This account was opened on 7/31/A deposit was received on 8/12/and the account was restricted by AccountNow on 8/15/due to activityOn 8/19/15, we permanently closed the account
During an 8/19/call, Ms*** confirmed
her Name and Email Address were linked to an AccountNow account, however the Social Security Number, Date of Birth and deposit posted to the account were not hersMs*** stated that she did not have any other incidents of Identity Theft and that she has not contacted law enforcement about this incidentMs*** did request that we block her email address from additional use at AccountNow and we have done thatMs*** stated there were no additional questions or open issuesWe consider Ms***'s complaint resolved
AccountNow is nothing but a ripoffMy account was closed on Sunday, November 27, and I was never notifiedIt was closed due to negative account balance which was generated from their monthly fee of $and I charge that was sent through weeks after the fact which I dont understand how because it was taken right out of my account the same dayI didnt know my account was closed until I logged in on this morning to see if my deposit hand been posted and I receive a message stating that my access to the AccountNow customer service center was restrictedSo I called in and spoke with a Customer Service Representative and eventually a supervisor and basically all I got was a *** you and oh wellThey told they were under no obligation to inform that my account was being closed because " they didnt close it was done automatically by their system on negative accounts." So I asked them can I reactivate the account since my deposit was pending and they informed that they couldnt reactivate the account but I can request a new account be reapplying againThey said my direct deposit was being rejected and would be sent back to my employer when then business hoursAccountNow is nothinng but a ripoff and the customer service department dont have access to do anything but tell you about your account which is what you can do online yourselfThey didnt offer no apologies or alternative solutions just an oh wellSo here it days before my rent is due, car note is due, and my daughter's birthday and I dont have any moneyMy company pays us once a month because we are salaried employees and due to my account being closed they wont be able to issue me another check until January 1, AccountNow states in their consumer agreement that your funds are FDIC insured and you wont be held responsible for any charges you didnt create which I figured by now is a lieI sent in a dispute regarding a $ATM charge that was on my account, I notified them that the no money was issued from ATM but the money was still withdrawn from my accountThey process the dispute within days and told me it was denied but I never received any communication as into why only that the decision was final and can not be undoneSo I had to contact the ATM company directly to have the issue resolved because they never received any dispute issued from AccountNow so basically they just lied to mePlease dont use this card it is a waste of time and you will be disappointed I had this card for years and now I am leaving them because they customer services sucks and so does their policy and proceduresBasically I was told that everything is done by an automated system the customer service reporesentatives are just there for those who dont want to access the online system
Initial Business Response /* (1000, 5, 2014/05/02) */
The fee has been credited
Initial Consumer Rebuttal /* (2000, 7, 2014/05/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I am very satisfied with the out comeThank you very for your help
Initial Business Response /* (1000, 5, 2014/10/16) */
We have reviewed our records
We received a report on 9/19/that the card had been lostThis was a FridayThe card was closed and a new card was requestedA file was produced and picked up by the card processor on Monday
9/22/14, and the card was mailed the same day on 9/22/
Typical mail timeframes are five to seven business days, but this depends on mail delivery times in the customer's mail delivery areaMail delivery can take up to business days
On 10/6/14, Mr*** reported that he had not received the replacement card and asked to have the card expeditedThere is a $fee for this service
The replacement card account was closed on 10/6/14, a new card requested by expedited serviceA file was produced and picked up by the card processor on 10/7/14, and the card was mailed the same day on 10/7/The card was received and activated on 10/8/
We apologize if Mr*** felt that the service provided was unsatisfactoryWe find that the agents promptly processed the request as soon as the loss and non-receipt of the cards were received and that the requests were processed correctly
Initial Business Response /* (1000, 5, 2014/08/01) */
Holds are placed on accounts to ensure that funds are available when the merchant presents the transaction for paymentThe following information can be found our our website within the customer accountThis explains the hold process
and what measures can be taken to release a hold early
How long do holds stay on my account?
All holds have an expiration date lasting approximately to business days from the date of serviceHotels and rental car merchant holds may take longer (up to business days)
Back to Top
How do I release a hold on my account?
All holds automatically drop off after the specified expiration date; or when the merchant collects on the final bill; you don't need to do anythingTo release an authorization before the expiration date, we would need a fax directly from the merchant advising AccountNow that they will not collect their funds(Please note that if the merchant is collecting any portion less than the hold amount, the hold will not be released until the final purchase is posted.) Once we get the fax, we will review and remove the authorization held if the fax is completeThere may be a $service fee for this exception request
If you wish to proceed with an early hold release, please contact the merchant to provide the following information:
a) Fax on company letter head matching the name of the merchant sent to (XXX) XXX-XXXX
b) The reason to release the hold
c) Exact dollar amount of the hold to release
d) Contact information and name of the person responsible for sending the fax
Initial Consumer Rebuttal /* (3000, 7, 2014/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I plan on closing this account because of the poor customer service and the way the bank holds the customers's funds even when the merchant has informed the customer that funds were releasedThis puts the customer at a great disadvantage and the bank should be for the customer not against them
Funds were finally returned after going back and forth between bank and merchantThe customer shouldn't have to do that to have funds returned or released from a hold
Final Business Response /* (4000, 9, 2014/08/11) */
Our hold policy is in place to prevent accounts from becoming overdrawnWe apologize for the frustration that the matter caused
Final Consumer Response /* (4200, 11, 2014/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I'm attempting to close this account, I will no longer be using their serviceTks
Initial Business Response /* (1000, 5, 2015/02/25) */
The funds were transferred on 2/11/
Initial Consumer Rebuttal /* (2000, 7, 2015/02/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/11/06) */
AccountNow received two complaints from this customer for the same issueOne complaint was sent to the Federal Deposit Insurance Corporation and the second was sent to the Revdex.com
We have received Veterans
Administration deposits on this customer account since August On October 28, 2015, AccountNow closed the account due to a change of address, repeated calls by a third party, and the inability for the customer to provide address verificationAccountNow contacted the Veteran's Administration and a representative stated that the new address did not match the address on file at the VAOn 10/31/AccountNow advised the customer that the account would be reopened on 10/31/only to allow the customer to remove remaining funds and the account would then be permanently closed at the end of the dayThe customer was provided with the account balance and the customer performed transactions to remove funds
The account was closed as we advised and has a remaining balanceWe have been unable to reach the customer to make arrangements for the remaining balance to be sent to the customer by checkWe request the customer contact us at (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (3000, 7, 2015/11/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now supplied many answers and excuses for withholding funds that are illegal to with holdthe representative s were impossible, so I had my son deal with themthey started calling my phone repeatedly, so I blocked them on my phonethe address with the VA is not the same as the one with aaccount now, and never has beenWe sent many forms of verification, account now claims were not received, or not acceptable
Final Business Response /* (4000, 14, 2015/12/17) */
The last deposit posted to the account occurred on 11/25/It was from the Veteran's Administration and the amount was $The customer account was reopened to allow the customer to remove the remaining fundsThe account now has a $balance and has been closedThe customer may destroy and discard any remaining Visa cards
No additional deposits will post to the account and will be returnedWe recommend that the customer contact the Veteran's Administration to make arrangements for future benefit payments to avoid any delays
Final Consumer Response /* (4200, 16, 2015/12/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Account Now has mailed new debit cards to me and my son mid December (XXXX) to the *** address they say is invalidI have mail and emailed these letters to the appropriate agencies including Account now and the FDIC
Initial Business Response /* (1000, 5, 2015/08/04) */
The fee for an over the counter cash advance is 3%
The $represents the fee that was assessed for the $cash advanceThis is disclosed in the fee schedule available to all customersTherefore this fee is validCustomers
have the option to withdraw cash from Automated Teller Machines or perform purchase cashback transactions for lower fees
Initial Business Response /* (1000, 5, 2015/02/19) */
Based on the timeframes that the deposit was submitted to us, we applied the deposit at the next possible posting window on 2/6/Our records indicate that this is a new payroll provider for the customerHe may want to check with the
provider to determine their processing windows
Initial Business Response /* (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
*** ***
Compliance and Risk Development Manager
Initial Consumer Rebuttal /* (2000, 11, 2015/07/27) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2014/12/19) */
We have a policy related to gasoline holdsThis policy is described in the customer center:
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
Gasoline holds are not released until the item clears
Initial Business Response /* (1000, 5, 2015/08/06) */
This account was restricted for documentary verification from the customer including her photo identificationWe apologize if the customer was advised that a tax transcript would suffice or if the customer was advised that a check would
be mailed to her without receipt of her photo identification and address verification
We have credited the customer account for the fees which were assessed and we have removed the transferred fundsThe account has been closed with a $balance
Initial Business Response /* (1000, 5, 2014/12/29) */
This fee is disclosed in the termsHere is the disclosure:
Monthly Fee (SVC CHG-MONTHLY)
Initially charged at time of first value load on your Card, and charged on the same day of each subsequent month - $per month
The fee
was charged as dislcosed in the terms related to the card
In reviewing the customer account history, it appears that the customer experienced access issues on 3/29/We apologize for the inconvenience that the customer experienced.The monthly fee assessed on the customer account is $The March fee was assessed on 3/2/On 4/7/we
called the customer to review the complaint and to advise that we have credited the account for the March monthly feeThe call was dropped and we called a second timeWe were unable to reach the customer and we left a messageThe customer may call us with any additional questions or concerns at *** ***
Initial Business Response /* (1000, 5, 2015/03/31) */
A new card was mailed on 3/30/as soon as documentary verification was completed
Initial Business Response /* (1000, 5, 2014/03/14) */
The documents were provided, verified, the address updated and a new card mailed on 3/5/Our records indicate that the new card was activated on 3/10/
Initial Business Response /* (1000, 5, 2014/08/22) */
Upon receipt of identity verification documentation, the card was reissuedThis occurred on 8/20/
Initial Business Response /* (1000, 5, 2014/06/09) */
Our records indicate that the check was received and cased on 5/27/We will review and expenses incurred related to the delayPlease provide the invoices showing dates and fees incurred for reviewThe documentation may be faxed to
XXX-XXX-XXXX
Initial Business Response /* (1000, 5, 2016/01/06) */
On 12/23/the customer called AccountNow and questioned a Direct TV authorization holdThe customer was provided with the authorization hold expiration dateOn 12/26/15, the customer called and again questioned the Direct TV
transactionThe customer service representative interpreted the customer comments as disputing the transaction and restricted the account
On 12/30/the customer reported that she had not disputed a transactionHowever, the customer account also experienced a security violation
On 1/5/16, the security violation was resolved and the account restriction was removedThe customer has access to her funds and is using her account
On 1/6/a message was left for the customer at the telephone provided in the complaintThe customer may contact us at (XXX) XXX-XXXX with any remaining questions
Initial Business Response /* (1000, 5, 2014/05/21) */
We are not saying that we have not received the verification documentationWe have attempted to contact the customer to advise her of the issue but we have not received a return call
We have not received the necessary documentation
We will require an unexpired Photo IDThe copy sent shows an expired IDWe will require a current utility bill to verify the address
This is what we are waiting on
Initial Consumer Rebuttal /* (3000, 7, 2014/05/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
THAT IS UNTRUE- I finally received an email from them on MAY 13TH! I have been calling and leaving messages since beginning of April- The utility bill I sent on 4/was the previous month's bill then and I also sent them a picture of my Alien ID card that is still very much active
Final Business Response /* (4000, 9, 2014/06/03) */
We have pulled all the documentation sent and have been able to pull the necessary documentation together from the various faxes to mail a checkA check has been requested
Final Consumer Response /* (2000, 11, 2014/06/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 5, 2015/09/01) */
This account was opened on 7/31/A deposit was received on 8/12/and the account was restricted by AccountNow on 8/15/due to activityOn 8/19/15, we permanently closed the account
During an 8/19/call, Ms*** confirmed
her Name and Email Address were linked to an AccountNow account, however the Social Security Number, Date of Birth and deposit posted to the account were not hersMs*** stated that she did not have any other incidents of Identity Theft and that she has not contacted law enforcement about this incidentMs*** did request that we block her email address from additional use at AccountNow and we have done thatMs*** stated there were no additional questions or open issuesWe consider Ms***'s complaint resolved
AccountNow is nothing but a ripoffMy account was closed on Sunday, November 27, and I was never notifiedIt was closed due to negative account balance which was generated from their monthly fee of $and I charge that was sent through weeks after the fact which I dont understand how because it was taken right out of my account the same dayI didnt know my account was closed until I logged in on this morning to see if my deposit hand been posted and I receive a message stating that my access to the AccountNow customer service center was restrictedSo I called in and spoke with a Customer Service Representative and eventually a supervisor and basically all I got was a *** you and oh wellThey told they were under no obligation to inform that my account was being closed because " they didnt close it was done automatically by their system on negative accounts." So I asked them can I reactivate the account since my deposit was pending and they informed that they couldnt reactivate the account but I can request a new account be reapplying againThey said my direct deposit was being rejected and would be sent back to my employer when then business hoursAccountNow is nothinng but a ripoff and the customer service department dont have access to do anything but tell you about your account which is what you can do online yourselfThey didnt offer no apologies or alternative solutions just an oh wellSo here it days before my rent is due, car note is due, and my daughter's birthday and I dont have any moneyMy company pays us once a month because we are salaried employees and due to my account being closed they wont be able to issue me another check until January 1, AccountNow states in their consumer agreement that your funds are FDIC insured and you wont be held responsible for any charges you didnt create which I figured by now is a lieI sent in a dispute regarding a $ATM charge that was on my account, I notified them that the no money was issued from ATM but the money was still withdrawn from my accountThey process the dispute within days and told me it was denied but I never received any communication as into why only that the decision was final and can not be undoneSo I had to contact the ATM company directly to have the issue resolved because they never received any dispute issued from AccountNow so basically they just lied to mePlease dont use this card it is a waste of time and you will be disappointed I had this card for years and now I am leaving them because they customer services sucks and so does their policy and proceduresBasically I was told that everything is done by an automated system the customer service reporesentatives are just there for those who dont want to access the online system