Card Limited Corp

Customer acct suspended in violation of use of card - cash on/off is highly suspiciousAcct suspended until secondary ID check confirmedConfirmed on January 22, Acct reopened for use and CH advised of proper use of card

Internal policies and procedures have been initiated with the accountCustomer has been advised to provide forms of ID (Drivers License, Social Security Card, Utility Bill) for review before account will be considered for reopeningIf customer is unable to provide and is requesting their funds be returned, customer needs to contact the sending financial institution, also known as the Originating Depository Financial Institution (ODFI), and request a Letter of Indemnity (LOI) be sent releasing us from any obligation to the money deposited on the accountOnce the LOI has been received we will be able to release the funds backThis is different then opening the account to be usedforms of ID will need to be received in order for the account to be opened and be used.The account on record has been noted with this same information.Thank you,Card Limited

We apologize for the inconvenience this has caused and are looking into why the systems and process already in place did not initiate issuing the refund check in a timely manner.On November 4, 2015, a refund check was initiated for $*** to the address on fileYou should anticipate receiving the
check within 7-business days from November 4.Please contact customer service at ###-###-#### with any additional questions.Sincerely,Card Limited

Complaint: ***
I am rejecting this response because: this company still will not tell me or Revdex.com what the suspicious activity is they are "claiming" is the reason the put my card on hold which I will say I pay outrageous fees to use! And again I only use this card for direct deposit from DOR!so the only activity they see is DOR depositing my child support payments and ME withdrawing my child support payments.if they are ganna put a card on hold ,espically with no notifications to the card holder, then they should at the very least give that cardholder specific reasons as to why its being on hold.I didnt get ANY reason until I contact Revdex.com!but now that they are using suspicious activity as their excuse,I want to know exactly why because I dont want this company doing this to some other blind sided consumer who depends on that card to be active to get the money they need to live! And now that they are being questioned by Revdex.com they are trying to come after the consumer and make ME look like the bad guy or that I was doing something wrong with the card I purchased, has been using for several years for the same thing, with the same activity for years and that I pay these crazy fees to use!they should have better business practices!
Sincerely,
*** ***

Complaint: [redacted]
I am rejecting this response because:WHEN I...

CALLED CUSTOMER SERVICE AND TALKED TO AT LEAST 4 PEOPLE AND TWO SUPERVISORS, NONE OF THEM COULD TELL ME A REASON WHY MY CARD WAS BEING PUT ON HOLD! Which was one of the reasons I was extremely upset about this.Now in their response to Revdex.com they have a reason,wether its made up or not because the request cane from you ,I dont know but thats not what I was told! They said they didnt know why but every now and then it happens,which now im even more irritated and appalled that they are now giving a reason which I honestly dont believe.I only use this card to have child support from DOR direct deposited on it and thats all I use it for and have been for many years,and for them to now come back and tell you its because of suspicious activity is ludicrous!!!!!! I WOULD LIKE FOR THEM TO TELL YOU THE SUSPICIOUS ACTIVITY THEY ARE TALKING ABOUT BECAUSE I PROMISE THEY ARE LYING JUST TO GIVE YOU A LEGITIMATE RESPONSE!!! There has NEVER been any suspicious activity and I demand to know what ! This is again the way I receive my chikd support and for them to put a hold on my card I have had for several years with no letter, call, or warning whatsoever and for me not to be able to access the fund I need for my child is astonishing to me that this company can do something like that with NO JUSTIFICATION OR CAUSE!!!!! I am beyond furious and and disgusted with this company and how they practice! I could give you the number for my card so that you could access all my transactions and see there has been ABSOLUTELY NO suspicious activity!!!!they are a fraud and once this is settled and I can actually get the child support that has already been deposited on my card while it was put on hold I am cancelling this card!!
Sincerely,
[redacted]

We apologize for any inconvenience you may have experienced. We may close your card or refuse to process any transaction that we believe
may violate the terms of this Agreement or represents illegal or fraudulent activity. Please refer to the BuyRight Terms and Conditions for additional information: http://buyright.com/files/Terms_and_Conditions_BuyRight_MasterCard_20150519.pdf....⇄ previously responded, the account has been activated with advisement on proper usage of the card. If you require additional information please contact customer support at ###-###-####.

Funds are posted on the day in which they are received. Funds are available for immediate use (as long as the account is in good standing). There is no time-of-day requirement when posting funds. For this particular account, all funds received have been posted to the account for the date...

assigned.When you have payroll direct deposit, it’s done by ACH.  ACH transfers take longer at some places than others. ACH supports both credits and debits. You can ask one institution to move money to another institution (credit, or “push”) or you can ask it to get money from another institution (debit, or “pull”). Whether it’s an ACH credit or an ACH debit, the institution at which you request the ACH transfer always takes the lead (in the case of this account, [redacted]). It’s called the Originating Depository Financial Institution (ODFI). The institution on the other end is called the Receiving Depository Financial Institution (RDFI). Originating and receiving refer to the ACH transfer request, not where the money comes from or flows to. Whomever you ask to do the ACH is the ODFI. The ODFI is responsible for making sure they have the authorization to credit or debit the other account. That’s why sometimes you are asked to fill out a form for deposit when you received the card. The RDFI is required to credit or debit the account on the date the ODFI specifies. Therefore if ACH takes longer at one place than another, the delay is almost always caused by the ODFI, not caused by “the system” or the receiving end.

Internal policies and procedures have been initiated with the account. Customer has been advised to provide 3 forms of ID (Drivers License, Social Security Card, Utility Bill) for review before account will be considered for reopening. If customer is unable to provide and is requesting their funds...

be returned, customer needs to contact the sending financial institution, also known as the Originating Depository Financial Institution (ODFI), and request a Letter of Indemnity (LOI) be sent releasing us from any obligation to the money deposited on the account. Once the LOI has been received we will be able to release the funds back. This is different then opening the account to be used. 3 forms of ID will need to be received in order for the account to be opened and be used.The account on record has been noted with this same information.Thank you,Card Limited

Customer acct suspended in violation of use of card - cash on/off is highly suspicious. Acct suspended until secondary ID check confirmed. Confirmed on January 22, 2016. Acct reopened for use and CH advised of proper use of card.

Card Limited is able to return funds on the account in questions until a Letter of Indemnity (LOI) has been received either from the ODFI (Originating Depository Financial Institution). Card Limited is following procedures outlined by the issuing bank and NACHA. Until the LOI is received, Card...

Limited is unable to return the funds.Sincerely,Card Limited

Thank you very much for all your help. I can't express how happy I am right now. Thank you so much!!
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.
Sincerely,
[redacted]