As Mr [redacted] indicated in his response, he entered the incorrect Routing/ABA number in the payment informationThese funds were rejected by his bank and we received them back from the bank todayWe will submit another ACH today (2/8/17) to the updated info in his fileThe funds should post within 1-business days (standard ACH delivery time), depending upon the bankWe still ask that Mr [redacted] abide by section 5.Kof the Client Agreement and at least update information regarding his complaints in the multiple other venues where he has posted regarding his issueWe now consider the matter closed, however if there is an issue with this latest ACH transfer, please contact us
I am rejecting this response because: Hello CCNOW Support, You only response now with reply to Revdex.com all the time you NEVER response you scammers First you denied the transfer to [redacted] bank account (owner of HKYIHE), then we email why etc you never response Suddnly you say maybe the bank details are incorrect how can the bank details are incorrect when ALL THE TIME the payment was good in hong kong and always come there??? SInce you NEVER pay out since MANY months I asked a PARTNER to accept the money transfer and his name is [redacted] he has his own company in The Netherlands to collect money for me for 10% of the amount He has NO relationship with my company, but since you have an ICELAND bank account in EUROPE I send you a partner of mine in THE NETHERLANDS from europe to accept the transfer Since he is no business for HKYIHE we cant send you the owner papers So please tell us how to proceed??? - Why you need documents for [redacted] ***? (you already have this for YEARS since we are client for CCNOW and all the time we get the money in hong kong - Why you need owner papers for [redacted] ***? (you already have this sinds the beginning) You are ALL scammers and thinking about reasons for not paying me!!! I would like to aks you to send the money to my PRIVATE bank account to [redacted] *** PLEASE SEND MY MONEY TO MY PRIVATE BANK ACCOUNT [redacted] ***: Account Number/ [redacted] Beneficiary Name [redacted] Beneficiary Address [redacted] ,HUNAN,CHINA Beneficiary BankSWIFT Code [redacted] City CHANGSHA Location CHINA Its MY money and I have right to get MY MONEY!!!
We have received the inquiry and have an investigation open with our head office in Iceland (Snorrason Holdings EHF) which is responsible for payments to nclients such as yourselfThe payment mentioned in the complain was requested to be paid on Jan4th and we have an open request for a trace of this payment from Arion Bank in IcelandIn regards to reserves, these were released back to your CCNow account balance on March and we will attempt to pay them and the remainder of the account balance on our next payment date of March We will forward the correspondance from our bank in regards to the Jan 4th payment as soon as it is receivedWe have also escalated this situation with the parent company and have requested an immediate investigation into the missing wire transfer from JanuaryAs of today, we do not have a further update on the status of this wire, but will respond once more information is available
Initial Business Response / [redacted] (1000, 5, 2015/12/09) */ We have been in contact with Ms [redacted] regarding this issue, and are in the process of returning the fundsThere was miscommunication between separate parties, and this resulted in a refund being locked due to an open dispute at a banking partnerWe are working with Ms [redacted] to return funds and refund the order in full, as well as communicate the policies better with PayPal and our supplier's customer serviceWe hope that Ms [redacted] will return as a customer in the future and that the issue has been resolved to her satisfaction Initial Consumer Rebuttal / [redacted] (2000, 6, 2015/12/09) */
We have contacted this client with a request for further informationA copy of that email is listed belowUpon investigation of this issue, the Revdex.com complaint was initiated from [redacted] (with whom we have communicated with in the past), however the current payment beneficiary listed in the account is " [redacted] ", who is located in the Netherlands rather than Hong KongWe do not have a record of this person being associated with the account and need confirmation of their relationship, as well as a copy of a government issued photo ID.Once we receive the required information to meet bank and government required AML (anti-money laundering) and KYC (know your customer) regulations, we can send payment.With two pieces of information, we can finalize payment:1) Copy of the primary beneficiary's ID2) clarification of the role of [redacted] in association with this account, confirmation of the payment changes, and that payment should proceed to this person
I am rejecting this response because: never mind about the 4th Jan payment, but my previous payment on 1st March, after 2 weeks, it was reversed back to you again.I received this message:Hello,Due to an issue with our bank, we are forced to cancel this payment. It will be re-issued on the next available payment cycle. Please verify all payment details are correct (such as if the account number is in IBAN format if that is required for your country). If all payment details are correct, no further action is required. We apologize for the inconvenience.Regards,-CCNow Risk Management I have couple of questions:1, You have been using this "an issue with our bank", since Sep 2016, so before you wired out my payment on 1st March, you would not know this? And you still wired it out and charged me 15$?2, There's nothing wrong with my payment details, I have been using it since 2013. Why you ask me to confirm again? Confirm what?3, When you will eventually give me my money back without any excuse anymore? Reply my answer and successfully give me my money back please.
The initial email response we received from Mr [redacted] regarding our query was not sufficient and did not address the questions posed directlyHe has also violated section 5.Kof the CCNow Client Agreement in the meantime by posting potentially misleading information on various websitesWe assume that he will remove or rectify those posts with factual information at a minimum, as a result of this Revdex.com process.We still plan on releasing the payment on Jan11, unless we can receive direct answers to our risk questions and we can re-evaluate the risk to CCNow and our consumers.Attached is a file laying out some of the factors of the suspicious nature of the account activityLack or delay of ACH processing had nothing to do with this payment being held in reserveCCNow maintains strict controls in order to protect consumers.Until we get exact clarification on these orders, are able to investigate, and make contact with the customers, payment will not be released prior to January as per the Reserve Section 4.Jof the CCNow Client Agreement, which Mr [redacted] agreed to and electronically signed
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
Initial Business Response / [redacted] (1000, 5, 2015/07/15) */ CCNow has a day return/refund policy (Policy: http://www.ccnow.com/return-policy), and we will on a case by case basis provide a refund up to days in certain circumstances after a purchaseApparently we were not contacted until approximately days after the order was receivedThis is an unusual amount of time to request a refund for merchandise purchased anywhere and the refund request was likely was denied upon phone request due to standard customer service policiesWe could not find a written request for a refund from Mrs [redacted] It is a violation of CCNow's policy for unauthorized items to be sold via our retail service from our suppliers (Supplier product policy: http://www.ccnow.com/prohibited-items)Due to this apparent product violation, we will issue a full refund to Mrs [redacted] 's credit card used to make the purchaseThis refund should be received within business days, likely sooner depending upon the issuing bank We trust that this resolves the issue to Mrs [redacted] 's satisfaction and this matter can be closed Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) The delayed request for a refund was due to the fact that I didn't know the product was not authentic until it brokeI appreciate CCNow refunding the purchase price of the item and look forward to that credit showing up on my card
Another wire transfer was sent to this client on May for the $paymentThe other payment is still in tracking and we will resend once it is located if it has not already been receivedPlease see attachment for details on the wire transfer sent on May Thanks, -Matt
I do show there was a delay in the last payment to them for the amount of $scheduled for DecThey have indicated to hold payment until requested as a setting in our system for the remainder of the fundsI will have our staff perform a manual accounting entry and submit a new wire transfer to Mr [redacted] next week (by Tuesday, Jan 9) for the remainder owed in the account in addition to the delayed payment memo from Dec
I am rejecting this response because: I have not received any of the $that CCNow claimsThey sent me an email on December 16, indicating payment, however, I have not received any of these fundsI complained again to CCNow on January 3, and have not received any response whatsoever.Sincerely, [redacted]
We are currently reconciling your accountPayment will be sent after this reconciliation is completed and assumes all reserves are completedAs far as hundreds of calls and emails per day, we will not answer excessive contacts on the same issueCalling over one hundred times a day will result in a phone number being blocked for harassmentAll due payments will be issued as soon as possibleWe will provide more information on the reconciliation once available
Hello,We are happy to respond to Mr [redacted] 's inquiry.We have temporarily suspended ACH payment processing, but we can effect wire transfer paymentsHowever, this has nothing to do with the payment reserves currently held on this account.A chargeback was recently issued, and this prompted a security audit of the accountAccording to this audit (some details have been withheld for security concerns and internal data security), suspicious activity has been noted on the account.An email was sent to Mr [redacted] on Oct10, asking him to clarify the activity of the account.Upon review, all orders appeared to initiate from Mr [redacted] 's ISP locations, and have a similiar customer profilesWe asked for clarification of this and it was not explained.As per the CCNow Client Agreement, please see sections 2.C and 2.DThis sort of activity is prohibited and would result in a suspension and/or temporary hold of funds.For reference the terms Mr [redacted] agreed to - http://www.ccnow.com/client-agreement:2.C"The CCNow Site cannot be used to sell Merchandise for in-person sales."2.D"You will not allow anyone to place orders on a Customer's behalfYou will not enter orders on behalf of Customers Yourself ("Self-Keying") ..."Being that one chargeback has already been processed for a recent order placed from Mr [redacted] 's location, these reserve rules would apply as per Section 4.Jof the Client Agreement (to protect customers and CCNow) from further chargebacks.We attempted to call customers to confirm the products were received, however, no customer had a valid phone numberThis also shows possible fraudulent activity.To release funds, we need an explanation as to why Mr [redacted] placed these orders from his locations, all with similar email/customer profiles, why no phone number is valid on any order, and why the website listed on the invoices is no longer accessibleUpon receiving these answers, we can complete the security audit and a security investigation with PayPalOnce complete, we can access an appropriate reserve schedule commiserate with the CCNow Client Agreement terms and risk profileIf we cannot receive adequate answers to complete this investigation, nor get in contact with any customer listed on the orders, the payment reserve will be held for days (January 11, 2017), assuming no further chargebacks, reports of fraud, or negative activity occur.We have closed the account for future orders as per Mr [redacted] 's request and will await his answers from our email regarding the suspected violations of the CCNow Client Agreement, and continue to attempt to contact the customers to confirm the validity and delivery of the ordersFunds will eventually be released to Mr [redacted] , the timing of which will depend upon the facts and nature of the transactions conducted, his response to the audit, and assuming no law enforcement, criminal, or civil action is initiated against him.To reiterate, Mr [redacted] will receive payment as long as he responds to our security questions, no further chargebacks are issued, customers can confirm purchase, and he did not break the law
As Mr [redacted] indicated in his response, he entered the incorrect Routing/ABA number in the payment informationThese funds were rejected by his bank and we received them back from the bank todayWe will submit another ACH today (2/8/17) to the updated info in his fileThe funds should post within 1-business days (standard ACH delivery time), depending upon the bankWe still ask that Mr [redacted] abide by section 5.Kof the Client Agreement and at least update information regarding his complaints in the multiple other venues where he has posted regarding his issueWe now consider the matter closed, however if there is an issue with this latest ACH transfer, please contact us
I am rejecting this response because: Hello CCNOW Support, You only response now with reply to Revdex.com all the time you NEVER response you scammers First you denied the transfer to [redacted] bank account (owner of HKYIHE), then we email why etc you never response Suddnly you say maybe the bank details are incorrect how can the bank details are incorrect when ALL THE TIME the payment was good in hong kong and always come there??? SInce you NEVER pay out since MANY months I asked a PARTNER to accept the money transfer and his name is [redacted] he has his own company in The Netherlands to collect money for me for 10% of the amount He has NO relationship with my company, but since you have an ICELAND bank account in EUROPE I send you a partner of mine in THE NETHERLANDS from europe to accept the transfer Since he is no business for HKYIHE we cant send you the owner papers So please tell us how to proceed??? - Why you need documents for [redacted] ***? (you already have this for YEARS since we are client for CCNOW and all the time we get the money in hong kong - Why you need owner papers for [redacted] ***? (you already have this sinds the beginning) You are ALL scammers and thinking about reasons for not paying me!!! I would like to aks you to send the money to my PRIVATE bank account to [redacted] *** PLEASE SEND MY MONEY TO MY PRIVATE BANK ACCOUNT [redacted] ***: Account Number/ [redacted] Beneficiary Name [redacted] Beneficiary Address [redacted] ,HUNAN,CHINA Beneficiary BankSWIFT Code [redacted] City CHANGSHA Location CHINA Its MY money and I have right to get MY MONEY!!!
We have received the inquiry and have an investigation open with our head office in Iceland (Snorrason Holdings EHF) which is responsible for payments to nclients such as yourselfThe payment mentioned in the complain was requested to be paid on Jan4th and we have an open request for a trace of this payment from Arion Bank in IcelandIn regards to reserves, these were released back to your CCNow account balance on March and we will attempt to pay them and the remainder of the account balance on our next payment date of March We will forward the correspondance from our bank in regards to the Jan 4th payment as soon as it is receivedWe have also escalated this situation with the parent company and have requested an immediate investigation into the missing wire transfer from JanuaryAs of today, we do not have a further update on the status of this wire, but will respond once more information is available
Initial Business Response / [redacted] (1000, 5, 2015/12/09) */ We have been in contact with Ms [redacted] regarding this issue, and are in the process of returning the fundsThere was miscommunication between separate parties, and this resulted in a refund being locked due to an open dispute at a banking partnerWe are working with Ms [redacted] to return funds and refund the order in full, as well as communicate the policies better with PayPal and our supplier's customer serviceWe hope that Ms [redacted] will return as a customer in the future and that the issue has been resolved to her satisfaction Initial Consumer Rebuttal / [redacted] (2000, 6, 2015/12/09) */
We have contacted this client with a request for further informationA copy of that email is listed belowUpon investigation of this issue, the Revdex.com complaint was initiated from [redacted] (with whom we have communicated with in the past), however the current payment beneficiary listed in the account is " [redacted] ", who is located in the Netherlands rather than Hong KongWe do not have a record of this person being associated with the account and need confirmation of their relationship, as well as a copy of a government issued photo ID.Once we receive the required information to meet bank and government required AML (anti-money laundering) and KYC (know your customer) regulations, we can send payment.With two pieces of information, we can finalize payment:1) Copy of the primary beneficiary's ID2) clarification of the role of [redacted] in association with this account, confirmation of the payment changes, and that payment should proceed to this person
I am rejecting this response because: never mind about the 4th Jan payment, but my previous payment on 1st March, after 2 weeks, it was reversed back to you again.I received this message:Hello,Due to an issue with our bank, we are forced to cancel this payment. It will be re-issued on the next available payment cycle. Please verify all payment details are correct (such as if the account number is in IBAN format if that is required for your country). If all payment details are correct, no further action is required. We apologize for the inconvenience.Regards,-CCNow Risk Management I have couple of questions:1, You have been using this "an issue with our bank", since Sep 2016, so before you wired out my payment on 1st March, you would not know this? And you still wired it out and charged me 15$?2, There's nothing wrong with my payment details, I have been using it since 2013. Why you ask me to confirm again? Confirm what?3, When you will eventually give me my money back without any excuse anymore? Reply my answer and successfully give me my money back please.
The initial email response we received from Mr [redacted] regarding our query was not sufficient and did not address the questions posed directlyHe has also violated section 5.Kof the CCNow Client Agreement in the meantime by posting potentially misleading information on various websitesWe assume that he will remove or rectify those posts with factual information at a minimum, as a result of this Revdex.com process.We still plan on releasing the payment on Jan11, unless we can receive direct answers to our risk questions and we can re-evaluate the risk to CCNow and our consumers.Attached is a file laying out some of the factors of the suspicious nature of the account activityLack or delay of ACH processing had nothing to do with this payment being held in reserveCCNow maintains strict controls in order to protect consumers.Until we get exact clarification on these orders, are able to investigate, and make contact with the customers, payment will not be released prior to January as per the Reserve Section 4.Jof the CCNow Client Agreement, which Mr [redacted] agreed to and electronically signed
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
Initial Business Response / [redacted] (1000, 5, 2015/07/15) */ CCNow has a day return/refund policy (Policy: http://www.ccnow.com/return-policy), and we will on a case by case basis provide a refund up to days in certain circumstances after a purchaseApparently we were not contacted until approximately days after the order was receivedThis is an unusual amount of time to request a refund for merchandise purchased anywhere and the refund request was likely was denied upon phone request due to standard customer service policiesWe could not find a written request for a refund from Mrs [redacted] It is a violation of CCNow's policy for unauthorized items to be sold via our retail service from our suppliers (Supplier product policy: http://www.ccnow.com/prohibited-items)Due to this apparent product violation, we will issue a full refund to Mrs [redacted] 's credit card used to make the purchaseThis refund should be received within business days, likely sooner depending upon the issuing bank We trust that this resolves the issue to Mrs [redacted] 's satisfaction and this matter can be closed Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/07/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) The delayed request for a refund was due to the fact that I didn't know the product was not authentic until it brokeI appreciate CCNow refunding the purchase price of the item and look forward to that credit showing up on my card
Another wire transfer was sent to this client on May for the $paymentThe other payment is still in tracking and we will resend once it is located if it has not already been receivedPlease see attachment for details on the wire transfer sent on May Thanks, -Matt
I do show there was a delay in the last payment to them for the amount of $scheduled for DecThey have indicated to hold payment until requested as a setting in our system for the remainder of the fundsI will have our staff perform a manual accounting entry and submit a new wire transfer to Mr [redacted] next week (by Tuesday, Jan 9) for the remainder owed in the account in addition to the delayed payment memo from Dec
I am rejecting this response because: I have not received any of the $that CCNow claimsThey sent me an email on December 16, indicating payment, however, I have not received any of these fundsI complained again to CCNow on January 3, and have not received any response whatsoever.Sincerely, [redacted]
We are currently reconciling your accountPayment will be sent after this reconciliation is completed and assumes all reserves are completedAs far as hundreds of calls and emails per day, we will not answer excessive contacts on the same issueCalling over one hundred times a day will result in a phone number being blocked for harassmentAll due payments will be issued as soon as possibleWe will provide more information on the reconciliation once available
Hello,We are happy to respond to Mr [redacted] 's inquiry.We have temporarily suspended ACH payment processing, but we can effect wire transfer paymentsHowever, this has nothing to do with the payment reserves currently held on this account.A chargeback was recently issued, and this prompted a security audit of the accountAccording to this audit (some details have been withheld for security concerns and internal data security), suspicious activity has been noted on the account.An email was sent to Mr [redacted] on Oct10, asking him to clarify the activity of the account.Upon review, all orders appeared to initiate from Mr [redacted] 's ISP locations, and have a similiar customer profilesWe asked for clarification of this and it was not explained.As per the CCNow Client Agreement, please see sections 2.C and 2.DThis sort of activity is prohibited and would result in a suspension and/or temporary hold of funds.For reference the terms Mr [redacted] agreed to - http://www.ccnow.com/client-agreement:2.C"The CCNow Site cannot be used to sell Merchandise for in-person sales."2.D"You will not allow anyone to place orders on a Customer's behalfYou will not enter orders on behalf of Customers Yourself ("Self-Keying") ..."Being that one chargeback has already been processed for a recent order placed from Mr [redacted] 's location, these reserve rules would apply as per Section 4.Jof the Client Agreement (to protect customers and CCNow) from further chargebacks.We attempted to call customers to confirm the products were received, however, no customer had a valid phone numberThis also shows possible fraudulent activity.To release funds, we need an explanation as to why Mr [redacted] placed these orders from his locations, all with similar email/customer profiles, why no phone number is valid on any order, and why the website listed on the invoices is no longer accessibleUpon receiving these answers, we can complete the security audit and a security investigation with PayPalOnce complete, we can access an appropriate reserve schedule commiserate with the CCNow Client Agreement terms and risk profileIf we cannot receive adequate answers to complete this investigation, nor get in contact with any customer listed on the orders, the payment reserve will be held for days (January 11, 2017), assuming no further chargebacks, reports of fraud, or negative activity occur.We have closed the account for future orders as per Mr [redacted] 's request and will await his answers from our email regarding the suspected violations of the CCNow Client Agreement, and continue to attempt to contact the customers to confirm the validity and delivery of the ordersFunds will eventually be released to Mr [redacted] , the timing of which will depend upon the facts and nature of the transactions conducted, his response to the audit, and assuming no law enforcement, criminal, or civil action is initiated against him.To reiterate, Mr [redacted] will receive payment as long as he responds to our security questions, no further chargebacks are issued, customers can confirm purchase, and he did not break the law