All American Cultured Marble Inc

I am responding on behalf of Canyon State Credit Union in regards to a complaint by one of our members. This particular member states that his credit card payment has been rejected multiple times and that he has incurred undue fees. The member also states that the payment
method he is using is sufficient to accommodate this payment. The member has provided documentation to substantiate that sufficient funds were available at the time of payment. However, it is the paying account information that is rejectingRealizing this is stressful and frustrating for the member, we have attempted to explain that upon receipt and submission of the payment, the paying institution is rejecting the payment account information and returning a response of "ACCOUNT FROZEN." We have reached out to our credit card vendor to validate the return reason and we have confirmed that the response code is "ACCOUNT FROZEN." We have documentation that substantiates this return reason and have provided that to the member. The member is adamant that this is not the case. In order to investigate further, we need to have a joint call with the member, Canyon State Credit Union, and the paying institution to authorize us to obtain payment information to determine why the payment keeps rejecting. We have reached out to the member by phone and email and await a response. Once this issue is resolved to the member's satisfaction, an additional response will be submitted

Our initial response to the complaint was made to ensure we were timely with our response.  After the response was submitted, the member contacted the Credit Union and was told that it is not an issue with Canyon State Credit Union as we are processing his payment(s) according to his instructions; that it is the receiving bank that is rejecting the payment with a status of "Account Frozen."  We have attempted multiple times to explain this to him and his authorized representative, however they insist that it is of our doing that the transaction cannot be processed.  We tried to contact the receiving bank but cannot speak to the issue without the cardholder present.  This was communicated to the member and his authorized representative. That said, we have offered a different solution for the member to make his payment, we have reversed the fees associated with the rejected transactions and offered to correct his credit bureau if derogatory information was submitted. This was all communicated to the member and authorized representative.

I am NOT going to accept this.....I have been dealing with this for months now.  This is getting exhausting.  I will have my wife call and speak Canyon State Credit Union Credit Card, because they obviously STILL have no clue about what they are doing.  Once again for you, the Revdex.com, I pay Canyon State Credit Card with my [redacted] Debit Card that has a checking account through [redacted].  I can only assume that Canyon is trying to put through my checking account information directly through [redacted], and they are denying it because I do not directly have an account with them.  ONCE AGAIN, my [redacted] checking account is through MY [redacted] DEBIT CARD.  THE CHECKING ACCOUNT AND ROUTING NUMBERS ARE COMPLETELY CORRECT, AS I PAY 5 OTHER CREDIT CARDS THE EXACT SAME WAY AND THEY HAVE NEVER, EVER HAD A PROBLEM IN DEBITING MY ACCOUNT.  I HAVE HAD THIS ACCOUNT FOR 15 YEARS. AND THERE IS NO WAY THEY ARE TELLING CANYON THAT MY ACCOUNT IS FROZEN.  IT MUST BE SOMEONE AT METABANK, WHO CAN'T LOCATE MY ACCOUNT AS IT IS THROUGH ONCE AGAIN, [redacted].   THEY ARE ABSOLUTELY HORRIBLE, NOT ONLY IN KNOWLEDGE OF HANDLING ACCOUNTS, BUT ALSO CUSTOMER SERVICE.