EXPRESS MOVING, LLC

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.
 I have spoken with [redacted] at the Fredricksburg branch of [redacted] since filing this complaint. He has offered to...

resolve this issue.  Thank you for offering a venue for this resolution. Will you please close this complaint. [redacted]
Regards,
[redacted]

Jefferson Bank has investigated the complainant’s allegations of fraud regarding the useher Jefferson Bank Visa Check Card.  The facts and chronology of events surrounding this complaintfollow.   July 9, 2015 – Jefferson Bank contacted the complainant at approximately 8:15 a.m....

regarding suspicious cardtransactions that occurred on July 8, 2015. The complainant stated she was unaware of any transactions and that she did not have possession of her card.  She stated that her son, a non-signer, typically has her card in his possession, as he is the one that uses it.  The complainant was advised that the card should not be provided to another person for usage.  The Bank blocked the use of the card prior to initial contact with the complaint by phone and proceeded to report the card lost/stolen.  The Bank attempted to review the suspicious transactions with the complainant; however, the complainant stated said she would call back later after reviewing her account activity online.  The complainant called back at 5:00 p.m. and was upset with all the transactions that took place the night before.  She confirmed the transactions were fraudulent but provided the Bank with conflicting information regarding when the card was last used and reiterated that she was unaware of the transactions since the card is utilized by her son.  July 10, 2015 – The complainant contacted the Bank to discuss the unauthorized transactions.  She explained that sheand her son indicated it was possible the card was stolen by workers who were in the house on July 8, 2015.  That eveningof July 8th, the complainant stated her son noticed his wallet and a handgun were missing and the workers were suspected. The Bank was never notified that the card was stolen until the Bank contacted the complainant the following morning.  If the Bank would have been notified on July 8th that the card was stolen, the subsequent fraudulent charges would not have been approved.  The Bank provides multiple ways to report a lost or stolen card 24 hours a day.Our investigation revealed contradicting information was provided by the complainant regarding the use of the card by her son and facts on what transpired on the evening of July 8th when the card was apparently stolen.The Bank’s Visa Check Card Agreement states: “For transactions processed through the VISA system you will have no liability for unauthorized transactions (that is, yourliability will not exceed $0.00) if you report the unauthorized transactions to us. This special zero liability limitwill not apply if we determine that you were grossly negligent or fraudulent in the handling of your account or your Visa Check and Cash Card.”The investigation revealed that the complainant was negligent in the handling of her card and would be ineligible for $0.00 liability since the unauthorized transactions were not reported at the time the card was discovered missing/stolen.  The complainant wasinformed of this fact and advised that the recovery of any funds would have to be pursued directly with the police department.