Initial Business Response /* (1000, 5, 2015/06/16) */
We apologize for the delay in respondingWe have completed a review of the account and find that referral payments were eligible to be paidWe credited on 6/16/and the remaining on 6/17/
Please note that there is a
delay in applying the credits from the date of eligibilityThis is outlined in the terms
Initial Consumer Rebuttal /* (3000, 7, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The referral payments is less than half submitted in this complaintI would like to know which referrals were paid and which were not and why notSince this time more referrals have not been paid
Final Consumer Response /* (3000, 10, 2015/07/20) */
7-20-
Sent email to consumer regarding status of complaint
Sent via email from consumer:
Unfortunately noThey always claim to be working on it but never get a reply from them
Final Business Response /* (4000, 14, 2015/08/05) */
***Document Attached***
In this complaint the customer stated he had not been paid for qualifying referralsWe performed a review and credited the customer account for eligible referralsIn a rebuttal, the customer states that he is still due unpaid, qualifying referralsOn 8/4/the customer stated he would provide a listing of the non-paid referrals via email on 8/4/15, to assist us in our researchWe advised the customer that upon receipt, we will research and provide him with a statusThe customer later said that he would email the details during the weekend of 8/8-8/9/
Upon receipt we will review and contact the customer with the status
The customer is reminded that the Terms and Conditions for the referral program contain a maximum payout of referrals and $We are providing the Terms and Conditions for the program
Initial Business Response /* (1000, 5, 2015/04/15) */
We are returning the funds to the IRS for review and distributionThey are aware of the return and will require - weeks to review and determine distribution method
Initial Consumer Rebuttal /* (2000, 7, 2015/04/18)
*/
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2015/02/05) */
A new card was processed on 2/4/We have attempted to call to provide an alternate solution to access the funds, but calls are not being accepted at the telephone numbers available to us
Initial Consumer Rebuttal /* (3000,
10, 2015/02/19) */
Sent accountnow didn't send or transfer my direct deposit on time I have gotten hit with late charge fees that should of never happen
I got my card on February it wasn't sent to me they transfer my direct deposit on to another card that was supposed to be my update card but there action causes me to pay late fees and and postpone my hearing for my grandchildren who I am getting custody of there mishandling cause much stress I am asking accountnow too pay me for the stress the postpone I had to do do to there mishandling of a direct deposit causing stress and my meeting with my grandchildren lawyer that was very important for me to be there my life insurance car Insurance will be cancelled I am on a fix income that all my payment is due on a date if my payment is late then I will be hit with late fees I never had any problems with late payments why I can't afford there late fees this wasn't .my doing I didn't ask for late fees I going to give accountnow the chance to own up before I contract my lawyer I only asking for my misfortune that accountnow has brought into my life alone with stress and others that fair accountnow my lawyer say otherwise I hope that accountnow will own up and do the right thing I have health problems and the stress they put on me was uncalled for I didn't get accountnow prepaid card to become stress out wend I trusted accountnow to do what right
Final Business Response /* (4000, 13, 2015/02/26) */
The consumer has filed a complaint with another agencyOur response is being provided through that agency
Initial Business Response /* (1000, 5, 2015/05/08) */
We have been unable to reach the cardholder at any of the numbers that we have available to usWe have submitted a check request to mail a check for the balance to the address that we have on file
Initial Consumer Rebuttal /*
(3000, 7, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have not called me or sent me mailThey do have my phone number, and when I call I still get the run aroundThey don't want to give me my moneyThe longer it stay there they get the month service fee
Final Business Response /* (4000, 9, 2015/05/19) */
A check was requested as stated in the complaint responseA total of $in monthly fees was reversed before the check was processedThe account remains closed so there will not be any additional fees applied nor deposits accepted
Final Consumer Response /* (2000, 11, 2015/05/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I got a check
Initial Business Response /* (1000, 5, 2015/02/27) */
We apologize for the frustration that this matter causedWe have reviewed our records and we do not find that a fax was received to release the hold early which is a requirement of our policyThe hold has now automatically
released
We have reviewed the account and will re-review our policy as it relates to online transaction holds
Thank you for bringing this matter to our attention
Initial Business Response /* (1000, 5, 2014/06/26) */
We were unable to satisfactorily verify the verification documentation providedHowever, a manager worked this issue on June 16,
It has been determined that we will not reinstate the accounts in the name of *** ***
However, a request was submitted to issue checks for the remaining balance on two accounts in his nameOn June 17, 2014, a check in the amount of $for the balance in account XXXXXXXXXXXXX and a check in the amount of $for the card account ending in 6637, were approved for mailing to the address shown in our records
Initial Consumer Rebuttal /* (3000, 7, 2014/07/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
AccountNow Inc claims that they issued a check for MY MONEY that they are holdingYet it is July 1, and I have received nothing from themThey haven't sent any check to meAccountNow is holding and using my money
Final Business Response /* (4000, 9, 2014/07/08) */
The checks were cashed and cleared our bank on 7/3/
Initial Business Response /* (1000, 5, 2014/03/12) */
The issuing bank performs a review of all incoming tax depositsThey were unable to verify deposit information to the account information and exercised their rights to return the deposit for verification reasonsWe advised the
customer on 2/24/14, by email, that the deposit was automatically returned to the originator
The deposit was never accepted to the account to the account
Please run from this company I think they are all apart of a big fraud ringI think there no English speaking employee's is selling innocent people's card numberThey need to be stoppedThey won't even let you speak to any when in the statesThis is a horrible company
Initial Business Response /* (1000, 5, 2015/03/09) */
The item was returned on 2/20/to the originatorThe return trace number is XXXXXXXXXXXXXXXThis number can be provided to the originator for tracing purposes
Initial Business Response /* (1000, 5, 2015/03/31) */
In looking at the account notes, Ms*** called on 3/6/and spoke with an agentThe agent obtained approval to waive the $25, but appears that they did not complete the step to waive the feeThe fee has been waived as of
3/31/
Initial Business Response /* (1000, 5, 2015/03/26) */
A check for the balance (the fees have been waived) has been requested and will be mailed to the address on the account
Initial Business Response /* (1000, 6, 2015/01/27) */
We opened an investigation upon receipt of the error claimWe contacted the merchant as part of our investigationThe merchant advised us that the terminal was in balance and they denied our claim to attempt to recover the fundsWe
do not have any additional recourse and the merchant has stated that the dispense was goodWe completed our investigation on 12/31/and we mailed a letter confirming the results of our investigationIf the consumer believed that the merchant is incorrect in their findings, they will need to contact the merchant directly to resolve
Initial Business Response /* (1000, 5, 2015/09/03) */
On 8/28/15, we spoke to the consumer Ms***Ms*** stated her tax preparer; Marline ***, has prepared her tax return for the past yearsThe last years Ms*** has received her tax refund without issueMs
*** stated that her refund should have been deposited into her Bank of America account and the tax preparer opened the ReadyDebit account without her consent
Ms*** stated Ms*** won't return her callsStated she has contacted the Internal Revenue Service regarding the fraudMs*** stated she had also filed a police report with the ***, CA police department
This is a case of tax fraudThe ReadyDebit account was opened using consumer data that was not blockedThe tax refund deposit had no restrictions and met the deposit limit
We have advised Ms*** that the account has been closed and there is no remaining balanceWe advised that we can provide account records upon receipt of a court orderWe offered to contact the *** police department and provide our contact informationMs*** provided the police report number and the *** Police Department telephone numberOn 8/28/15, we spoke to Detective Cursey of the *** police department and provided our subpoena address and fax telephone number
Initial Business Response /* (1000, 5, 2015/12/02) */
The complaint does not identify the account number which received the depositOn 11/24/a call was placed to the author of the complaintMr*** provided the name and account number related to the deposit and sent the letter
described in his complaintOn 11/30/15, we advised Mr*** that we have directed our Bank to return the deposit via ACH (Automated Clearing House) to the originating financial institutionThe reversal process can take up to three business days
We consider the matter resolvedAdditional questions may be directed to (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2015/12/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Our bank finally advised that we received the money back
This company is the worst company for pre paid cards They restrict your card for no reason and expect you to pay for a expedited fee of $to get your card quickerThey never called regarding why your card was restricted Poor customer serviceIt takes minutes to even get to speak to someone live and then they don't understand you
Initial Business Response /* (1000, 5, 2015/01/27) */
An error claim must be filed during business hours, Monday through FridayOur records indicate that Mr*** has not called our office to file the claim during business hours, nor has he provided a contact number here to call
him
Our records indicate that the replacement card has now been received and activated
Mr*** may contact our office and file his claim during our business hoursWe will take the error claim and promptly conduct and investigation into the matter
Initial Consumer Rebuttal /* (3000, 7, 2015/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did call during business hours and therepresentative didn't want to help
Final Business Response /* (4000, 9, 2015/02/05) */
Our records indicate that you have only called on the weekend and were advised to call back on MondayIf you would like to file an error claim, please call our office Monday - Friday am - pm PT and we will file the claim and promptly conduct and investigation
Initial Business Response /* (1000, 5, 2014/07/10) */
The total amount of funds loaded to the card was $We do not have record of funds totaling $Ms*** disputed a transaction in the amount of $The merchant refunded the card on 6/25/and on 6/25/a message was left
for her to advise her of the merchant credit
A letter was also processed on 6/27/14, advising Ms*** that her error claim was closed due to a merchant refund
At the time Ms*** stated that the transaction was not authorized, the existing card was closed and a new card was requestedThe card was mailed on 6/23/
Initial Business Response /* (1000, 5, 2014/08/04) */
Under Regulation E, we have ten business days to investigate the matterIf we cannot complete our investigation, we are required to provide provisional credit in order to continue our investigation
We issued provisional credit on
7/23/14, which was on day nine
This is further explained in the terms and conditions
Account now holds your funds HOSTAGE...I lost my card they say it will be here in 4-business it never comes....then they offer for me to pay for 3day delivery..no sendvme my card..then in this day and age they say in order for me to close out the account.will take 3- weeks....SHUT THESE PPL DOWN NOW..I NEED MY *** MONEY
Initial Business Response /* (1000, 5, 2015/06/16) */
We apologize for the delay in respondingWe have completed a review of the account and find that referral payments were eligible to be paidWe credited on 6/16/and the remaining on 6/17/
Please note that there is a
delay in applying the credits from the date of eligibilityThis is outlined in the terms
Initial Consumer Rebuttal /* (3000, 7, 2015/06/18) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The referral payments is less than half submitted in this complaintI would like to know which referrals were paid and which were not and why notSince this time more referrals have not been paid
Final Consumer Response /* (3000, 10, 2015/07/20) */
7-20-
Sent email to consumer regarding status of complaint
Sent via email from consumer:
Unfortunately noThey always claim to be working on it but never get a reply from them
Final Business Response /* (4000, 14, 2015/08/05) */
***Document Attached***
In this complaint the customer stated he had not been paid for qualifying referralsWe performed a review and credited the customer account for eligible referralsIn a rebuttal, the customer states that he is still due unpaid, qualifying referralsOn 8/4/the customer stated he would provide a listing of the non-paid referrals via email on 8/4/15, to assist us in our researchWe advised the customer that upon receipt, we will research and provide him with a statusThe customer later said that he would email the details during the weekend of 8/8-8/9/
Upon receipt we will review and contact the customer with the status
The customer is reminded that the Terms and Conditions for the referral program contain a maximum payout of referrals and $We are providing the Terms and Conditions for the program
Initial Business Response /* (1000, 5, 2015/04/15) */
We are returning the funds to the IRS for review and distributionThey are aware of the return and will require - weeks to review and determine distribution method
Initial Consumer Rebuttal /* (2000, 7, 2015/04/18)
*/
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2015/02/05) */
A new card was processed on 2/4/We have attempted to call to provide an alternate solution to access the funds, but calls are not being accepted at the telephone numbers available to us
Initial Consumer Rebuttal /* (3000,
10, 2015/02/19) */
Sent accountnow didn't send or transfer my direct deposit on time I have gotten hit with late charge fees that should of never happen
I got my card on February it wasn't sent to me they transfer my direct deposit on to another card that was supposed to be my update card but there action causes me to pay late fees and and postpone my hearing for my grandchildren who I am getting custody of there mishandling cause much stress I am asking accountnow too pay me for the stress the postpone I had to do do to there mishandling of a direct deposit causing stress and my meeting with my grandchildren lawyer that was very important for me to be there my life insurance car Insurance will be cancelled I am on a fix income that all my payment is due on a date if my payment is late then I will be hit with late fees I never had any problems with late payments why I can't afford there late fees this wasn't .my doing I didn't ask for late fees I going to give accountnow the chance to own up before I contract my lawyer I only asking for my misfortune that accountnow has brought into my life alone with stress and others that fair accountnow my lawyer say otherwise I hope that accountnow will own up and do the right thing I have health problems and the stress they put on me was uncalled for I didn't get accountnow prepaid card to become stress out wend I trusted accountnow to do what right
Final Business Response /* (4000, 13, 2015/02/26) */
The consumer has filed a complaint with another agencyOur response is being provided through that agency
Initial Business Response /* (1000, 5, 2015/05/08) */
We have been unable to reach the cardholder at any of the numbers that we have available to usWe have submitted a check request to mail a check for the balance to the address that we have on file
Initial Consumer Rebuttal /*
(3000, 7, 2015/05/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have not called me or sent me mailThey do have my phone number, and when I call I still get the run aroundThey don't want to give me my moneyThe longer it stay there they get the month service fee
Final Business Response /* (4000, 9, 2015/05/19) */
A check was requested as stated in the complaint responseA total of $in monthly fees was reversed before the check was processedThe account remains closed so there will not be any additional fees applied nor deposits accepted
Final Consumer Response /* (2000, 11, 2015/05/22) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I got a check
Initial Business Response /* (1000, 5, 2015/02/27) */
We apologize for the frustration that this matter causedWe have reviewed our records and we do not find that a fax was received to release the hold early which is a requirement of our policyThe hold has now automatically
released
We have reviewed the account and will re-review our policy as it relates to online transaction holds
Thank you for bringing this matter to our attention
Initial Business Response /* (1000, 5, 2014/06/26) */
We were unable to satisfactorily verify the verification documentation providedHowever, a manager worked this issue on June 16,
It has been determined that we will not reinstate the accounts in the name of *** ***
However, a request was submitted to issue checks for the remaining balance on two accounts in his nameOn June 17, 2014, a check in the amount of $for the balance in account XXXXXXXXXXXXX and a check in the amount of $for the card account ending in 6637, were approved for mailing to the address shown in our records
Initial Consumer Rebuttal /* (3000, 7, 2014/07/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
AccountNow Inc claims that they issued a check for MY MONEY that they are holdingYet it is July 1, and I have received nothing from themThey haven't sent any check to meAccountNow is holding and using my money
Final Business Response /* (4000, 9, 2014/07/08) */
The checks were cashed and cleared our bank on 7/3/
Initial Business Response /* (1000, 5, 2014/03/12) */
The issuing bank performs a review of all incoming tax depositsThey were unable to verify deposit information to the account information and exercised their rights to return the deposit for verification reasonsWe advised the
customer on 2/24/14, by email, that the deposit was automatically returned to the originator
The deposit was never accepted to the account to the account
Please run from this company I think they are all apart of a big fraud ringI think there no English speaking employee's is selling innocent people's card numberThey need to be stoppedThey won't even let you speak to any when in the statesThis is a horrible company
Initial Business Response /* (1000, 5, 2015/03/09) */
The item was returned on 2/20/to the originatorThe return trace number is XXXXXXXXXXXXXXXThis number can be provided to the originator for tracing purposes
Initial Business Response /* (1000, 5, 2014/07/16) */
The account ID was verified on 6/30/and a card was expedited at the customer's request
Initial Business Response /* (1000, 5, 2015/03/31) */
In looking at the account notes, Ms*** called on 3/6/and spoke with an agentThe agent obtained approval to waive the $25, but appears that they did not complete the step to waive the feeThe fee has been waived as of
3/31/
Initial Business Response /* (1000, 5, 2015/03/26) */
A check for the balance (the fees have been waived) has been requested and will be mailed to the address on the account
Initial Business Response /* (1000, 6, 2015/01/27) */
We opened an investigation upon receipt of the error claimWe contacted the merchant as part of our investigationThe merchant advised us that the terminal was in balance and they denied our claim to attempt to recover the fundsWe
do not have any additional recourse and the merchant has stated that the dispense was goodWe completed our investigation on 12/31/and we mailed a letter confirming the results of our investigationIf the consumer believed that the merchant is incorrect in their findings, they will need to contact the merchant directly to resolve
Initial Business Response /* (1000, 5, 2015/09/03) */
On 8/28/15, we spoke to the consumer Ms***Ms*** stated her tax preparer; Marline ***, has prepared her tax return for the past yearsThe last years Ms*** has received her tax refund without issueMs
*** stated that her refund should have been deposited into her Bank of America account and the tax preparer opened the ReadyDebit account without her consent
Ms*** stated Ms*** won't return her callsStated she has contacted the Internal Revenue Service regarding the fraudMs*** stated she had also filed a police report with the ***, CA police department
This is a case of tax fraudThe ReadyDebit account was opened using consumer data that was not blockedThe tax refund deposit had no restrictions and met the deposit limit
We have advised Ms*** that the account has been closed and there is no remaining balanceWe advised that we can provide account records upon receipt of a court orderWe offered to contact the *** police department and provide our contact informationMs*** provided the police report number and the *** Police Department telephone numberOn 8/28/15, we spoke to Detective Cursey of the *** police department and provided our subpoena address and fax telephone number
Initial Business Response /* (1000, 5, 2015/12/02) */
The complaint does not identify the account number which received the depositOn 11/24/a call was placed to the author of the complaintMr*** provided the name and account number related to the deposit and sent the letter
described in his complaintOn 11/30/15, we advised Mr*** that we have directed our Bank to return the deposit via ACH (Automated Clearing House) to the originating financial institutionThe reversal process can take up to three business days
We consider the matter resolvedAdditional questions may be directed to (XXX) XXX-XXXX
Initial Consumer Rebuttal /* (2000, 7, 2015/12/08) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Our bank finally advised that we received the money back
This company is the worst company for pre paid cards They restrict your card for no reason and expect you to pay for a expedited fee of $to get your card quickerThey never called regarding why your card was restricted Poor customer serviceIt takes minutes to even get to speak to someone live and then they don't understand you
Initial Business Response /* (1000, 5, 2015/01/27) */
An error claim must be filed during business hours, Monday through FridayOur records indicate that Mr*** has not called our office to file the claim during business hours, nor has he provided a contact number here to call
him
Our records indicate that the replacement card has now been received and activated
Mr*** may contact our office and file his claim during our business hoursWe will take the error claim and promptly conduct and investigation into the matter
Initial Consumer Rebuttal /* (3000, 7, 2015/01/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I did call during business hours and therepresentative didn't want to help
Final Business Response /* (4000, 9, 2015/02/05) */
Our records indicate that you have only called on the weekend and were advised to call back on MondayIf you would like to file an error claim, please call our office Monday - Friday am - pm PT and we will file the claim and promptly conduct and investigation
Initial Business Response /* (1000, 5, 2014/07/10) */
The total amount of funds loaded to the card was $We do not have record of funds totaling $Ms*** disputed a transaction in the amount of $The merchant refunded the card on 6/25/and on 6/25/a message was left
for her to advise her of the merchant credit
A letter was also processed on 6/27/14, advising Ms*** that her error claim was closed due to a merchant refund
At the time Ms*** stated that the transaction was not authorized, the existing card was closed and a new card was requestedThe card was mailed on 6/23/
Initial Business Response /* (1000, 5, 2014/08/04) */
Under Regulation E, we have ten business days to investigate the matterIf we cannot complete our investigation, we are required to provide provisional credit in order to continue our investigation
We issued provisional credit on
7/23/14, which was on day nine
This is further explained in the terms and conditions
Account now holds your funds HOSTAGE...I lost my card they say it will be here in 4-business it never comes....then they offer for me to pay for 3day delivery..no sendvme my card..then in this day and age they say in order for me to close out the account.will take 3- weeks....SHUT THESE PPL DOWN NOW..I NEED MY *** MONEY