Annette Johnson Bookkeeping

[redacted] [redacted] *** [redacted] [redacted] [redacted] [redacted] Dear [redacted] : We are in receipt of your correspondence dated January **, regarding the above referenced cardholder and credit account As a result of Complaint # [redacted] a thorough investigation was conducted A chronological accounting of the events that transpired on the account follows: On September *, 2016, [redacted] contacted us to report that that there were two transactions on his account from WM Supercenter #***, each in the amount of $200.00, of which he had no knowledge As a result of his claims, we opened an investigation of fraud On September **, 2016, copies of the sales drafts for the transactions were requested from WM Supercenter # [redacted] and an Affidavit of Fraud and Forgery was sent to the cardholder via USmail with a request that he complete and return it to us On October **, the completed Affidavit of Fraud and Forgery was received On November **, 2016, credits totaling $were issued on the account for the fraudulent charges On December *, 2016, [redacted] called our Customer Service department and advised that he did not feel that he should be held responsible for the late fees that were accruing on the account because the account balance was the result of activity that we had found to be fraudulent At that time, we applied credits to the account totaling $as adjustments for the accrued late fees Please be advised that on January **, 2017, we issued additional credits totaling $for late fees and interest chargesAdditionally, we have submitted requests to all major credit reporting agencies to have the delinquency removed from [redacted] ’s credit file On January **, we received a payment of $which brought the account balance to zero and as requested by [redacted] , we closed the account We hope to have been of assistance and thank you for the opportunity to respond Sincerely, First Choice Bank Customer Service

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted]

[redacted] [redacted] ** [redacted] [redacted] Thank you for your recent correspondence regarding the above-referenced individual We regret [redacted] ’s dissatisfaction with our serviceOur investigation found that the previous correspondence dated June **, was just recently received and was pending completionWe apologize for the delay The Speigel credit card account was established in November and First Consumer’s National Bank (“FCNB”) was the bank that funded the cardFCNB closed all Spiegel credit cards as of March *, The accounts were then forwarded to Card Processing Center to continue to collect on the outstanding balance until paid in fullA copy of the “Notice of Termination of Charging Privileges and Access Check Program” that was sent to [redacted] by FCNB is enclosed for your referenceSince the account was closed for use prior to the transfer in 2003, we are unable to provide specific details on the purchases or charges incurred at Speigel As a courtesy, we have waived three late fee charges of $each that were assessed on the account in March, April and June for a total of $ Sincerely, Donatella M [redacted] Card Processing Center Customer Service Enclosures

[redacted] ** [redacted] [redacted] [redacted] [redacted] ... [redacted] *** Dear [redacted] ,Thank you for your recent correspondence regarding theabove-referenced individual. [redacted] Corp (“Main Street”) acquiredthis account as a performing [redacted] Business Credit Card in December of2010. Pursuant to the terms and conditions that applied to this account,Main Street, through its servicer CardWorks, sent monthly statements andproperly applied and accounted for all payments and credits. There is acurrent balance due; however, because Main Street’s policy is to satisfy itscustomers when possible, Main Street will agree to permanently close thisaccount and it will reflect a -0- balance. If you need any furtherinformation please contact our customer service at ###-###-####. Thank you for the opportunity to respond. Sincerely,Kathy P [redacted] Corp.Customer Service

[redacted] [redacted] [redacted] [redacted] [redacted] *** [redacted] [redacted] [redacted] ***Dear [redacted] :We are in the process of reviewing your request and will notify you upon its resolution, or if we are need of any additional information.Sincerely,Customer ServiceGreen Dot

Tell us why here... [redacted] ***’s secured credit card account was opened on March **, 2017. It was determined that [redacted] has never successfully activated the card for his account. On April **, 2017, [redacted] made an unsuccessful attempt to activate his credit card, through our automated phone system, from phone number ###-###-####, a telephone number other than [redacted] ***’s home telephone number of ###-###-####, our number of record. No attempts at activation had been made prior to that date and none have been made since.Please be advised that our records indicate that the only telephone communication that ever occurred on the account was on March **, 2017, when an automated call was made to the cardholder to verify account activity which the cardholder was able to confirm. No prior or subsequent communication between [redacted] and our associates has been recorded. Additionally, our records indicate that no auto-pay arrangement has ever been established for [redacted] ***’s account, either by [redacted] or any other party. [redacted] ***’s account statement dated March , 2017 (copy enclosed) required that a minimum payment of $25.00 be paid no later than April **, 2017. No payment was received and a late fee $25.00 was assessed on April **, 2017, in accordance with the terms and conditions of the cardholder agreement for the account (copy enclosed). At this time, the account, which had not yet been successfully activated, also became delinquent. Please note that this statement contained the $39.00 annual fee which [redacted] mentioned in his complaint, which was billed to his credit card account on March **, 2017. No other $39.00 charge was charged to [redacted] ***’s account, at any time. [redacted] ***’s account statement dated April **, 2017 (copy enclosed) required that a minimum payment of $53.00 be paid no later than May **, 2017. No payment was received, and a late fee of $25.00 was assessed on May **, 2017, in accordance with the terms and conditions of the cardholder agreement though the fee was waived as a courtesy on May **, 2017. A nominal interest charge of $1.00 was also assessed to the account. [redacted] ***’s account statement dated May **, 2017 (copy enclosed) required that a minimum payment of $66.00 be paid no later than June **, 2017. No payment has been received to date.In an effort to resolve this matter, an attempt to contact [redacted] by telephone was made on June *, 2017 at ###-###-####; however, the line was disconnected, so we were unsuccessful in our attempt to reach him. A second attempt to reach [redacted] was made on June **, 2017 at ###-###-#### as well, though we were unsuccessful at reaching him.It was deemed appropriate to close the account on June *, 2017 and to refund [redacted] ***’s security deposit in the amount of $250.00. [redacted] may expect to receive the refund no later than June **, 2017.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [redacted] needs to refund of $this amount of the extra chargers that main street did to my account, I made my total payments paid $the original balance was only when [redacted] purchase the debt from [redacted] I need a credit back for 1234.00Thank you [redacted] *** In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved becauseAccording to this statement, I owed $7,as of May, I paid $per month for months from May - July 2017, that's $10,a difference of $2,I assume that if the company can give me a balance due in 2013, that any applicable interest was already included in that amountIf I was still required to pay after the company closed, I still show an over payment of $2,Please adjust the refund amount, and I would like to see a running balance as of May 2013.
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved.I will say that I have both contacted Green Dot bank via the numbers on their website, the numbers I found via google, and the numbers on my card; I will also say that if they do not have record of me linking a bank account to the card I would suggest they invest in better account recordsHowever, they refunded my money which is satisfactory and I'm not going to hold anything against the business, I also do not want the reader to see a single bad review of this business and decide to not bank with them; they're a financial institution that deals with millions of people, errors like this are bound to happen at some point, and they should be given a chanceIf the need arose in the future I would consider getting another account through this company which is to say I'm satisfied with their settlementThank you Green Dot Platinum, I hope this bump in the road can be used as a learning experience for your company, and I do hope you'll take my advice to heart and implement better customer tracking and accounting
Sincerely,
*** ***

Customer was informed of the $installation charge prior to the work being performedWhen work was completed, customer told us he was not aware of the installation chargeHe did request that we put the old battery back which was not a problemAs we were about to put the customers original
battery back in the phone, he changed his mind and agreed to pay the charge for the battery replacementThe next day, he again requested a refund on the installation chargeWe made clear that we were totally fine with giving him a full refund but he would have to return the new batteryWe are still willing to give him a full refundThis offer is limited since we do have to return his old battery to AppleWe have held it just in case he changed his mind again.He is totally welcome to a full refundHe just cannot keep the new battery and also get a refund

We regret the dissatisfaction of our cardholder and, as a result of her complaint, a thorough investigation into her claims was conducted *** *** initially notified us that the above referenced account was fraudulent on May *, We immediately opened an investigation of fraud and
among other things, it was determined that the checking account which was used to make a payment against the account balance was a valid *** *** checking account which belonged to *** ***Therefore, the initial fraud claim was denied We subsequently received information from the credit reporting agencies wherein *** *** was claiming that the account belonged to another individual with the same/similar name and in another instance, she was claiming “true identity fraud” so the investigation of fraud was re-opened and the claim of fraud was accepted on August *, Please be advised that a request for the deletion of the tradeline associated with the above-referenced account will be submitted immediately; however, it may take as many as days for the credit reporting agencies to update their records

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I recently submitted a complaint on green dot bank for their platinum secured credit cardBecause of the complaint they closed my account and are putting a negative report on my credit report and withholding my $deposit I had to give them to open the account. I want my disposit back and I want my credit report to not have any negative posting
*** ***

Thank you for your recent correspondence regarding the above-referenced account We apologize for any technical difficulties you experienced when attempting to reach our Customer Service DepartmentWe appreciate your feedback and are currently looking into solutions to solve the
problem In response to your concerns, we have confirmed that your account is reporting correctlyYour account was closed as of May **, Your balance at that time was $7,Payments on the balance are required regardless of whether an account is open or closedTherefore, we are unable to honor your request to refund the payments made on your accountBelow please find some information regarding the subsequent payments made on the account *** Your payment of $was received on August *** Because this payment was due on August **, 2017, a $late fee and $in finance charges were assessedAs a courtesy, on September *, 2017, the late fee was waived, and your payment of $on the same day brought the account balance to zeroAccordingly, your account will report as closed with a zero balance Thank you for the opportunity to respond. Sincerely, Zelkova Customer Service

*** *** ***
*** *** *** *** ***
*** *** *** *** ***
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*** *** *** *** *** *** ***
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*** *** ** ***
Dear *** ***,We are in receipt of your correspondence dated June **,
regarding the above- referenced cardholder and account.We regret the dissatisfaction of our cardholder and, as a result of his complaint, a thorough investigation into his claims was conducted.*** *** opened his secured Green Dot Platinum account on March **, 2017. *** *** paid a security deposit in the amount of $400.00, prior to using his account, as the required collateral for the account. The funds from the security deposit are retained in a separate account that is associated with *** ***’s credit card account but use of those funds for payments, etcis not permitted unless the account is closed by either Green Dot or our cardholder. In that instance, the security deposit is applied to any balance remaining at the time of account closure.We confirm that *** *** made a payment to his account, in the amount of $468.00, on June *, 2017. Beginning on June ** 2017, *** *** began calling our Customer Service Department repeatedly inquiring about when the funds from his payment would be made available to him in his available credit. On each occasion, *** *** was correctly informed that due to returned payments on his account, a hold was placed on the account for days. *** *** was informed that our policy mandates that when payments are returned unpaid by a financial institution, a block is placed on the account, which prevents its use, until a subsequent payment is received and the funds clear. Following is a brief history of the payments made by *** *** to date reflecting the returned payments: *** ***
*** ***
*** *** *** ***
*** *** *** *** *** *** *** *** *** ***
*** *** *** *** *** *** *** *** ***
*** *** *** *** *** ** *** *** *** ***
*** *** *** *** *** ** *** *** *** ***
*** ** *** *** *** ** *** ***
Enclosed also please find copies of the monthly statements reflecting account activity, including payments receivedPlease note that since the inception of the account, *** *** has made only one payment which actually cleared his financial institution. As a result, we were unable to process an exception to our policy.Section of the enclosed cardholder agreement entitled Credit Availability which states the following: Payments on your Credit Account and changes to your Credit Limit will change the amount of your Available Credit. The section describes when your Credit Account payments will be credited for purposes of your Available Credit. Crediting of payments for purposes of your scheduled payment obligations is described in “Receipt and Crediting of Payments” in Section 11, below. For purposes of your Available credit only, the following payments your make on your Credit Account will increase your Available Credit within to calendar days after we receive the payment. However, this policy is separate from, and independent of, our security policy regarding payment returned for insufficient funds. When payments are returned for insufficient funds, our security policy takes precedence[d1][d2].Upon review of the account history and *** *** continued dissatisfaction, we have deemed it appropriate to close the accountThe security deposit will be applied to the balance and a refund for the difference will be mailed to *** *** under separate cover.Thank you for the opportunity to respond.Sincerely,Customer ServiceGreen DotEnclosures

Attached, please find our confirmation letter that we have responded directly to the applicant, *** ***. Bonnie Y***Customer Care Director*** * *** ** *** *** **
*** ***

We
have reviewed *** *** concerns and would like to confirm that the account
was established within policy and proceduresAs per the enclosed copy of the Merchant
Application and Agreement, *** *** ** *** completed and signed the document
on July **, By signing the
Agreement, *** *** agreed to the terms and
conditions of the AgreementThe account was accordingly opened on August **,
Monthly
fees were assessed on the account in accordance with the terms and conditions agreed
to when signing the Agreement and statements reflecting these charges were
provided to the merchant on a monthly basisCardWorks has been providing
merchants with payment processing services for nearly years and our goal is
to help merchants build their businesses by offering quality payment processing
solutions at competitive ratesOur Agreements are clearly written and we
encourage our clients to ask questions if there is anything that they believe
is unclearEnclosed please also find a copy of the Terms and Conditions which
were provided to *** *** and which can also be found on our website, ***
Our review found that
prior to *** *** call on July *, 2017, there were no contacts from the
merchant to discuss the accountPlease note that *** *** is not an
authorized principal or contact on the accountWhile our goal is to provide excellent
customer service at all times, we were unable to honor *** *** request to
close the account without *** ***’ written authorization*** *** was
provided with the same information during subsequent calls on July **
For security purposes,
we require a written request from the principal to close the accountThis can
be either accomplished by mail or by email if sent from the email address
listed on file at time of the applicationAs an exception to this policy and
to bring this matter to a conclusion, on July **, we accepted a request to
close the account from *** *** in an email other than the one listed on the
application
As of July **, the
account is closed; no additional monthly fees will be assessed on the account
However, we deem all previously assessed fees and monthly charges as valid as
per the Agreement that was signed by *** ***Therefore, the account is not
eligible for any refund

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

[redacted]
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[redacted]
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               [redacted]   Dear [redacted]:   We are in receipt of your correspondence dated January **, 2017 regarding the above referenced cardholder and credit account.  As a result of Complaint #[redacted] a thorough investigation was conducted.  A chronological accounting of the events that transpired on the account follows:   On September *, 2016, [redacted] contacted us to report that that there were two transactions on his account from WM Supercenter #[redacted], each in the amount of $200.00, of which he had no knowledge.  As a result of his claims, we opened an investigation of fraud.  On September **, 2016, copies of the sales drafts for the transactions were requested from WM Supercenter #[redacted] and an Affidavit of Fraud and Forgery was sent to the cardholder via U. S. mail with a request that he complete and return it to us.  On October **, 2016 the completed Affidavit of Fraud and Forgery was received.  On November **, 2016, credits totaling $400.00 were issued on the account for the fraudulent charges.   On December *, 2016, [redacted] called our Customer Service department and advised that he did not feel that he should be held responsible for the late fees that were accruing on the account because the account balance was the result of activity that we had found to be fraudulent.  At that time, we applied credits to the account totaling $96.05 as adjustments for the accrued late fees.   Please be advised that on January **, 2017, we issued additional credits totaling $59.00 for late fees and interest charges. Additionally, we have submitted requests to all major credit reporting agencies to have the delinquency removed from [redacted]’s credit file.   On January **, 2017 we received a payment of $11.00 which brought the account balance to zero and as requested by [redacted], we closed the account.   We hope to have been of assistance and thank you for the opportunity to respond.   Sincerely,   First Choice Bank Customer Service