Fisher's Tavern

Cardholder David C [redacted] sent a dispute form to Kaiku Team on Jan15, Friday after hoursThe form was forwarded to Dispute Department on Monday, Jan MrC [redacted] reached out to Kaiku Team multiple times in regards to speed the dispute process and was advised that the dispute process can take up to 30-days to resolveProvisional credits are issued on the 10th business day from reporting your dispute claim On Febit was brought to Kaiku Team’s attention via Revdex.com complaint that the provisional credit had still not been issuedKaiku team responded to MrC [redacted] assuring a timely resolution and asked to allow hours to get this rectifiedKaiku Team then reached out directly to our Dispute Team and provisional credit was issued the same day Kaiku Team notified MrC [redacted] the following morning that the provisional credit was applied and confirmed that MrC [redacted] had access to his funds

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11744048, and find that this resolution is satisfactory to me Regards, [redacted] ***

Cardholder Kara S [redacted] initiated a Card to bank transfer from her Kaiku Card to her Fiancé’s account at the Suntrust Bank on JanMs S [redacted] contacted Card Services Team on Janand requested a dispute form to dispute the above mentioned transaction as the funds never reflected on the receiving end MsS [redacted] was provided with a dispute form A dispute form was received on Janand was handed over to appropriate teamMsS [redacted] contacted on Feband was notified that the dispute is being investigated MsS [redacted] was notified on Febby Card Services Team that the transfer cannot be disputed due to no chargeback rights MsS [redacted] was referred to contact the receiving bank On FebMsS [redacted] provided a direct debit dispute form to Kaiku’s issuing bank The Bancorp Bank and that was declined as wellBut, MsS [redacted] was offered assistance by The Bancorp Bank to assist her if she has a number to a local branch she was working withThe Bancorp bank was willing to reach out directly to that local branch On Febit was brought to Kaiku Team’s attention about this matter via Revdex.com complaintKaiku Team reached out to MsS [redacted] and assured a resolution as soon as it can be Kaiku Team contacted The Bancorp bank and our transaction processing partner to provide any details on this matter After communicating back and forth with The Bancorp Bank, our account contact person at The Bancorp Bank reached out to the ACH department of Suntrust bank at 1-800-221-From what they were told by Suntrust ACH Dept., the funds were deposited two (2) days after MsS [redacted] made the transfer which seems about time frameThen the $was spent from the accountTherefore, it was concluded that this transaction was valid and it was advised that MsS [redacted] should contact the ACH department at Suntrust bank MsS [redacted] was notified of the outcome via email and was also contacted by the Kaiku Team on Feb At this point, Kaiku is not holding any funds of MsS***

Kaiku has a safety feature where logging to the Kaiku account profile online at www.kaiku.com is restricted from a foreign IP, prior to an initial load to the Card account Once the load is made to the account for the first time, Cardholders can then successfully log in to their Kaiku online profile If the Card account is placed on hold due to a log in attempt from a foreign IP, the Cardholder receives a message online sign on screen to call the 24/Card Services Team (###-###-####) for further directions to have the account reinstated Cardholder H [redacted] ’s Kaiku Card was placed on hold on August 18, due to a log in attempt from Netherland based IP addressCardholder called the 24/Card Services Team and was advised to email Kaiku Risk Team at [redacted] @kaiku.comAn email was sent by the Cardholder on August and was responded to on the same dayIn the email, Kaiku requested Cardholder to confirm if he is travelling outside the country, so Kaiku Team can assist the Cardholder accordinglyNo response was received in regards to Kaiku’s request but another email was sent by the Cardholder to reinstate the account Kaiku responded to the second email on the same day requesting to confirm what was asked in the previous email As of August 19, Kaiku Risk Team reached out to the Cardholder and inquired if Cardholder is travelling, to which Cardholder confirmed he is not travelling, but uses different WIFI connections and one of them may have generated an IP address from Netherland At this point, the Card account has been reinstated and the issue has been resolved with the CardholderCardholder now have full access to his account

Cardholder S [redacted] contacted Card Services Team on Jan13, and filed disputes for transactions conducted on Jan7, Dispute reason was that MsM [redacted] returned purchased items but no refund has been made to the account On Jan27, MsM [redacted] called to inquire about her dispute claims and was notified that the Dispute Team is working on her claims and also no dispute forms has been receivedMsM [redacted] was advised that she has one (1) more day to provide a dispute form in order to receive a provisional credit for the disputed transactionsMsM [redacted] was not happy to know about this and stated about contacting Kaiku Corporate Office On Jan28, MsM [redacted] again called Card Services Team and inquired about her dispute claimsMsM [redacted] was advised that the dispute claims are still in process and provisional credit was not posted because no dispute forms were received within business daysThe dispute claim can take up to 45-days for a decision MsC [redacted] then asked to close the dispute claims and the accountShe stated that she is not concerned about getting money back and will consider it a lossPer MsM***’s request the dispute claims were closed The account was not closed due to remaining balance in the accountMsM [redacted] was notified that account can be closed with zero balance only, so the balance can be spent or a check can be issuedMsC [redacted] disconnected the call MsM [redacted] called again on the same day and asked she would like to re-open dispute claimsMsM [redacted] was notified that the dispute claims can be re-opened and dispute forms will be required from herForms can be sent via email to [email protected] or fax at ###-###-#### On Feb1, Kaiku Corporate Team reached out to Ms M [redacted] via email and provided a dispute form to complete and return for a timely resolutionKaiku Team also tried to contact MsM [redacted] via phone number provided in the complaint but was not reachable On Feb3, dispute forms were received by Kaiku Team via fax and were forwarded to Disputes TeamProvisional credits were applied on the same day and dispute claims were reopened Kaiku Team notified MsM [redacted] on the same day about provisional credits were applied and confirmed that MsM [redacted] had access to her funds

Cardholder Schantel Hall filled a dispute claim for an unauthorized transaction of $200. The dispute was filed in the manner it was received. Due to the unauthorized transaction Mrs. Hall’s existing Card was replaced to avoid any future unauthorized transaction. Since the Card was blocked, Mrs.... Schantel’s direct deposit was rejected and was not credited to Kaiku Card. On Nov. 11th, this matter came to Kaiku Team’s attention. Kaiku Team ordered a replacement Card and initiated an expedited delivery. Also, a credit of $25.00 was applied to Mrs. Hall’s account balance to compensate for the troubles and inconvenience that led to this negative experience. Kaiku Team confirmed that same day a provisional credit for the disputed amount of $200.00 was applied to the account balance. As of Nov. 18th, Kaiku Team confirmed Mrs. Hall have an Active Card in her possession and an access to her funds.

Cardholder Heidi R [redacted] ’s initial Kaiku Card was expiring on September 30 and a replacement Card was shipped on August 19 to the address on file. The replacement Card was returned to Kaiku as undeliverable on September 4. Kaiku notified the Ms. R [redacted] at the email address on file on the... same day about the Card is returned. Cardholders can update certain personal information via their online Card profile, including their address. The Kaiku’s system indicates that Ms. R [redacted] updated her address on October 15, 2014 and no additional updates were attempted after that date. Ms. R [redacted] contacted Kaiku Card Services via phone on October 7 and requested to update the address and re-send the Card. As a standard procedure, Ms. R [redacted] was advised to provide a proof of address. On Oct. 8, Ms. R [redacted] faxed a proof of address to the Card Services Team but the proof of address was not accepted by Card services and she was advised to provide the proof of address to the Kaiku Corporate Team at [email protected]. On Oct. 14, Ms. R [redacted] emailed the proof of address to the Kaiku Corporate Client Relations Team. The address was updated and Card was mailed via USPS priority mail on the same day. A Tracking number for the Card shipment was provided to Ms. R [redacted] and the Card was received on Oct. 16. For safety reasons, a newly issued Card that comes in the mail requires activation before making purchases. Since the replacement Card was not activated, the transactions conducted by Ms. R [redacted] were declined. The Card that was shipped to Ms. R [redacted] is a permanent Card. Kaiku switched its Card printing style to digital printing, which imprints the Card number instead of raised numbers. Today Oct. 19, the Kaiku Corporate Client Relations Team contacted Ms. R [redacted] and offered assistance to resolve the matter. After our conversation, Ms. R [redacted] decided to continue her relationship with Kaiku and cancelled the demand of issuing a cashier’s check for the remaining Card balance. Our Team assured Ms. R [redacted] that the Card is “Active“ to use for transactions and the address on file is the updated address. Kaiku apologized for all troubles and has credited a $25.00 credit to compensate for the inconvenience caused during the Card replacement process.

Cardholder Matthew A [redacted] sent dispute forms to Kaiku Team on Saturday, June 4thKaiku team business hours are Monday through Friday, 9:AM to 5:PM PST, except holidaysThe dispute forms were forwarded to the Dispute Department at our transaction processing partner on Monday, June 6thMr A [redacted] was notified via an email that forms are received and forwarded to Disputes TeamDispute forms are handled in the manner they are received at the Disputes Department and sometimes can take 2-daysDispute claims were filed on June 10th It came to Kaiku Team’s attention via Revdex.com complaint on June 21st about the provisional credit has not been appliedKaiku Team reached out to MrA [redacted] and assured a timely resolution to this matterProvisional credits were applied on June 23rd and Kaiku Team confirmed that MrA [redacted] was able to access the fundsKaiku Team is in the process of determining the possible reason behind this delay caused by our transaction processing partner that handles dispute claims

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11821142, and find that this resolution is satisfactory to me Regards, [redacted] ***

MsE [redacted] signed up for the Kaiku Card on SepOnce the application is approved, the card takes 5-business days to arrive at Cardholder’s addressMsK***’s Card was shipped on SepThe Card was returned to Kaiku on Sepas undeliverable by USPSKaiku notified MsK [redacted] on the same day via an email and asked to confirm the addressMsK [redacted] responded back after hours on Sep30, FridayKaiku team respond to emails between 9am to 5pm pst and is closed on the weekendsOct3, Monday, Kaiku team shipped MsK***’s Kaiku Card via FedEx and responded to MsK***’s email by providing her the tracking number of FedEx shipmentIt was confirmed by Kaiku team that the Card was received and activated by MsKnow on Oct

Cardholder R [redacted] filed dispute claims for unauthorized transactions on June Anytime unauthorized transactions notified by a Cardholder, there existing Card gets blocked to avoid any further unauthorized transactionsKaiku Team is investigating the reason why a replacement Card was not issued for MrR [redacted] On July 1, MrR [redacted] ’s VA credit was rejected and returned back to the VA Department due to existing Card being blockedOn July 7, MrR [redacted] contacted Kaiku Team via email about his VA depositKaiku Team responded to the email on same day addressing all questions and concerns MrR [redacted] expressedKaiku Team also notified MrR [redacted] to contact the VA Department to re-deposit his funds and offered to provide any documentation that may be required to provide to the VA DepartmentAs of July 20, Kaiku Team confirmed that claims for MrR [redacted] have been reopened and provisional credits have been appliedMrR [redacted] was able to access those funds

Cardholder Justin P*** contacted Card Services Team on Sept30th and reported about his Kaiku card being taken by the ATMMrP*** requested to have a new card delivered to his new address, he was advised that the address needs to be updated on the account before ordering a new cardMrP***
was provided with a fax number to send a proof of addressMrP*** chose the online option to update his addressAfter the address was updated, a replacement card was ordered for MrP***On 10/05/16, MrP*** faxed in his ID only, which gave an impression to the Card Services Team that MrP*** is requesting to update the addressSince there was no proof of address attached to the fax, MrP*** was asked to provide a proof of addressThe replacement card was shipped on 10/06/MrP*** called Card Service back on 10/10/and notified the card has not been receivedAt that point, another replacement card was ordered for MrP*** and that card was shipped on 10/11/The second replacement card was received and activated by MrP*** on 10/15/Kaiku Team confirmed that MrP*** was able to access his funds and successfully using his Kaiku card

Cardholder N*** *** initiated an ACH transfer from her
Kaiku Card to her American Express account on FebMsS*** contacted the
Card Services Team on the same day and inquired about the time-frame for an ACH
transferMsS*** was advised that the exact time frame cannot be
provided
but generally between 3-business days
On March 1, MsS*** contacted Card Services Team and
notified that the receiving card (American Express) rejected the transferMs
S*** inquired about how long for the funds to reflect back in her Kaiku
account balanceAgain, MsS*** was told about 3-business days as it will be returned as an ACH transfer as well
On March 2, Kaiku Team became aware of this matter through
Revdex.com complaintKaiku Team reached out to MsS*** and assured to assist with
this matter in a timely manner
On March 3, the transfer was reversed and the funds were reflected
back in MsS***’s Kaiku account balanceThe transfer was rejected with a
reason “DDA transfer returned for no account”Kaiku Team notified MsS***
about the transfer reversal and confirmed that MsS***s access to those
funds
In regards to MsS***’s concern about Card being rejected
at multiple ATM machines, Kaiku Team emailed MsS*** and suggested keeping her
Card away from any magnetic device including any magnet on the purse/wallet
Most likely a Card with magnetic stripe will become unreadable if it gets
demagnetized after coming in contact with a magnetKaiku Team also ordered a
replacement Card for MsS*** and notified her existing Card will remain
active until she receive and activates the replacement Card

Kaiku Team confirmed that MsM***’s claims were denied based
on the factors that were identified, which indicated that MsM*** had been
issued four (4) replacement Cards after the initial Card was issued, within five
(5) months of account openingEach of the replacement Cards have had the same
pattern of disputes; this repeat behavior indicates an abuse of the dispute
process
As it was informed in our previous response, Kaiku Team is
still in the process of getting more details from the Disputes departmentKaiku
Team has already requested to re-send these claims to merchants for a representment
Per Reg E a merchant has up to days to respond, if no response is received, then
the claim will be approved in MsM***’s favor
On March, the Chargeback Team confirmed that the claims
has been sent to the merchant and merchant have until April for a representment
MsM*** will be informed of the outcome accordingly

Cardholder David C*** sent a dispute form to Kaiku Team
on Jan15, Friday after hoursThe form was forwarded to Dispute Department on
Monday, Jan
MrC*** reached out to Kaiku Team multiple times in
regards to speed the dispute process and was advised that the dispute
process
can take up to 30-days to resolveProvisional credits are issued on the
10th business day from reporting your dispute claim
On Febit was brought to Kaiku Team’s attention via Revdex.com
complaint that the provisional credit had still not been issuedKaiku team
responded to MrC*** assuring a timely resolution and asked to allow
hours to get this rectifiedKaiku Team then reached out directly to our
Dispute Team and provisional credit was issued the same day
Kaiku Team notified MrC*** the following morning that the
provisional credit was applied and confirmed that MrC*** had access to his
funds

An account gets blocked systematically after a large transaction is posted to the accountThis is a precautionary step where a transaction is verified by the cardholderIf the transaction is not authorized by the cardholder, they are guided to follow the dispute processIf validated, the account
gets reinstatedCardholder Michael G***’s account was blocked to validate a large transactionThe transaction was not authorized by MrG*** and a dispute claim was filedMrG***’s existing card was also replaced to avoid any future unauthorized chargesPer Reg E guidelines, a provisional credit was applied on the 10th business day of reporting the transaction and MrG*** was able to access the fundsOn June 28th, another unauthorized transaction was posted to MrG***’s accountThis was charged on the secondary card on MrG***’s accountKaiku Team filed the dispute claim for that transaction and replaced the card for the secondary cardholder on MrG***’s accountPer Reg E guidelines, a provisional credit was applied on the 10th business day of reporting the transactionKaiku Team had been working closely with its issuing bank and discovered that many cards were affected by a breach that had charged some cards fraudulentlyKaiku have replaced all the cards that were impactedAs of today, July 12th, Kaiku confirms that MrG*** was able to access the funds

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11115976, and find that this resolution is satisfactory to me
Regards,
*** C***

Complaint:
I am rejecting this response because I was not mailed the reason I was denied.Al I receved un mail was that an error did not occur.I dont have the reason I was denied.I read my kaiku policy and it states I am not liable for unauthorized charges.I know the investigation is not correct I never authorized these transacción.I emailed kaiku to tell me why I was denied and no answer.I called right away when I could not find my debit card.Why was an error not occured? Thats what I dont understand .Why am I not protected?My money was never safe.I now See I was denied again? This needs to reopen I want my stolen money back.I worked a whole month to pay the rent because I was left behind I got evicted I have proofOf my eviction I have proof of emails about me making the promise to pay it con time days before my card was stolen I have proof of date and time and messages
Regards,
*** M***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11744048, and find that this resolution is satisfactory to me
Regards,
*** ***

On March 1, Cardholder Alandra C***’s Card was blocked as
a safety measure to confirm a large transaction that took place on her Kaiku
CardMsC*** contacted the Card Service Team and confirmed that
transaction was not authorized by herCard Services Team notified MsC***
that the
existing Card is being replaced to avoid further unauthorized transactions
MsC*** was guided to follow the dispute process once the transaction is
settled and was notified that it can take up to days for a transaction to
settle
On March 3, Kaiku Team became aware of this matter through Revdex.com
complaint and reached out to MsC*** and assured to assist her with this
matterKaiku Team ordered another replacement Card and shipped it via an
expedited shipping method
On March 4, the transaction was settled and a dispute claim
was loggedA completed dispute form was also received and forwarded to the
Disputes Department
As of March 7, Kaiku confirmed that MsC*** had received
and activated her replacement Card
March 8, Kaiku Team emailed MsC*** addressing her concerns
about unauthorized transactions and assured her that any unauthorized
transaction that takes place on her Kaiku Card is covered under Regulation E
Currently the dispute investigation is in process and a
provisional credit for the disputed transaction will be posted on the 10th
business day