Genesis Landscaping

Initial Business Response / [redacted] (1000, 5, 2015/10/30) */ October 30, Attn: [redacted] Dispute Resolution Specialist Revdex.com Case #: XXXXXXXX RE: [redacted] Claim #: XXXXXXXXXX Date of Loss: 8/16/ Dear Ms [redacted] The following constitutes our response to Mr ***'s complaint regarding a claim for benefits under the US Bank Purchase Protection BenefitThe cardholder does not purchase a policy of insurance but is instead provided this coverage as a benefit at no additional cost, resulting from the cardholder's relationship with US Bank Every US Bank cardholder receives a copy of the complete terms and conditions of the benefit in the Guide to Benefits provided at card issuance and periodically thereafter In Mr***'s complaint, he states he submitted a claim for benefits after a camera was stolenHe indicated that the claim was being denied for failure to meet time frames in reporting his claimReferring to the guide to benefits under: What items are covered by Purchase Security? And What documents do I need to submit with my claim? What items are covered by Purchase Security? Your eligible purchases are protected against damage due to the following: Fire, smoke, explosion, riot, or vandalismWindstorm, lightning, hail, rain, sleet, or snowAircraft, spacecraft, or other vehiclesTheft (except from autos or motorized vehicles)Accidental discharge of water or steam from household plumbingSudden accidental damage from electric current(This benefit does not apply to electronic components.) What documents do I need to submit with my claim? Your completed and signed claim formYour Visa card receiptThe itemized store receiptA police report (made within forty-eight (48) hours of the occurrence in the case of theft), fire, insurance claim, or loss report, or other report sufficient to determine eligibility for benefitsA copy of your insurance declaration page, when applicableDocumentation (if available) of any other settlement of the theft or damageAny other documentation deemed necessary to substantiate your claim All claims must be fully substantiated as to the time, place, cause, and amount of damage or theftIn most cases you will be asked to send, at your expense, the damaged item to substantiate a claimRetain the item in the event it is requested by the Benefit Administrator When Mr [redacted] reached out to report the incident, during his first notice of loss call on August 23, 2015, he stated that his camera was lost from his boat on August 16, 2015, or days prior to when he reported the lossHe was given a verbal denial at that time, as lost items are not covered under the benefitMr [redacted] then asserted that his loss was due to the camera being stolenThe forms to document his claim and related instructions were then sent to Mr [redacted] for completion After reviewing the documentation received on September 10, 2015, Mr [redacted] was informed that his claim was denied, because he failed to report the loss to the authorities within hours of the lossMr [redacted] states that he was never told of this requirementIn addition to the disclosure of this requirement in the guide to benefits that each cardholder receives with his credit card and periodically thereafter, this requirement is also included with the claim formThe incorrect denial was issued for failure to report the claim within timeframesThe actual reason for denial was Mr [redacted] failed to report his theft to the authorities within the timeframe requirement of hoursAs a result this claim remains deniedThis information was provided to Mr*** Thank you for your consideration in this matterIf you should require any additional information, please do not hesitate to contact me directly at the number or e-mail provided Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/11/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I followed their instructions but "they" kept changing the termsIt is my belief that this company does not honor their agreements in order to save money at the "members" expenseI gave them the info they needed they kept wanting more and/or changing the requirements It would be interesting to see what percentage of of filed requests are actually honored by this company Final Business Response / [redacted] (4000, 9, 2015/11/11) */ We have reviewed again the claim for benefits filed by [redacted] ***, regarding a camera that was stolenThe most recent correspondence from Mr [redacted] provides no new information that helps us reach a different conclusionPer the terms and conditions of the benefit, for an item purchased that has subsequently been stolen to be covered by the benefit, a police report must be filed within hours of the theftThat requirement is a part of the disclosure provided to the cardholder as an enclosure with the credit card, and periodically thereafterAt the time that Mr [redacted] first reported the claim, it was already beyond that time frame for a police report to be filedThe request for a copy of said police report was included in the documents required to be submitted by Mr***His documentation did not include a timely police reportTherefore, there is no new information that results in a different adjudication of Mr***'s claim Final Consumer Response / [redacted] (4200, 11, 2015/11/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) If I could afford it, I would sue themIt is my belief this is the "standard operating method"I am currently looking for an alternate to them, which is difficult because they are such a large company and I use that card a lot and the card is from a "loyalty" program with my grocery storeStuck between a rock and a hard place

Dear Sir/Madam, Please see out attached response to MrIgor [redacted] complaint

Initial Business Response / [redacted] (1000, 8, 2015/12/08) */ Dear Mr [redacted] , Thank you for alerting Visa through the Revdex.com to your concerns about an H-E-B location that would not accept a properly presented Visa gift cardVisa takes all complaints seriously and we have opened a Visa Rules Management Compliance Case for this merchant This alleged violation is currently under investigation by the merchant's bankWe will update this Revdex.com complaint once we receive a confirmation that this merchant is in compliance with the Visa Rules regarding honoring all properly presented Visa cards In the meantime, we appreciate your patience while the compliance process takes its course Sincerely, [redacted] Visa Executive Inquiries Office

Initial Business Response / [redacted] (1000, 14, 2015/12/08) */ Dear [redacted] Thank you for alerting Visa, through the Revdex.com, to your concerns regarding the fees that are being assessed by Seattle Pacific UniversityWe value your business and regret to hear about any inconvenience this may have caused youVisa takes all complaints very seriously and we have conducted a thorough investigation into your inquiry After reviewing the information that you provided us, we have determined that the fee that is being assessed by this merchant qualifies as a properly disclosed Service Fee, and is not considered a surchargeA Service Fee differs from a surcharge as it must meet a very specific set of guidelines and definitionsFor example, very few types of merchants are allowed to charge Service Fees; among those, however, are universities and colleges Based on the information available to us, we feel that Seattle Pacific University has followed the guidelines for properly assessing a qualified Service FeeIf you have complaints about other merchants engaging in improper surcharging practices, I would encourage you to report any such violation to the financial institution that issued your Visa cardIf you would prefer to submit a complaint online, you can go to this page, https://usa.visa.com/Forms/checkout-fees-form.html, fill out the form, and submit it directly to Visa We appreciate that you took the time to bring this matter to our attentionI hope that this information has provided some clarification into this issuePlease allow the Revdex.com to close this case Sincerely, [redacted] Visa Executive Inquiries Office Initial Consumer Rebuttal / [redacted] (2000, 16, 2015/12/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Complaint: [redacted] I am rejecting this response because: That is just an excuseWells Fargo is telling me it is all up to VisaSo Wells Fargo is Lying? Wells Fargo says it is all up to Visa!!Sincerely,Michael [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/04/23) */ Dear [redacted] , Thank you for alerting Visa through the Revdex.com to your situationWe value your business and we regret to hear about the difficulties you experience with you Visa prepaid rewards cardVisa takes all complaint very seriously; that is why we have conducted a thorough investigation into this matterBefore going any further, I feel it is appropriate to help give you a better understanding of the parties involvedVisa does not set up, service, or have access to cardholder accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, authorizing or declining transactions, how it manages statements, etc By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" sectionThe card services department you spoke with is a function of the financial institution that issued the card, and is not a part of Visa In an effort to provide you with as much support as possible, I have reached out to the financial institution that issued the card on your behalf and was put in contact with the card services department that you spoke withDuring this conversation, I had them review with me all of the notes taken from all of the communications between them and yourselfTheir records indicate that following your conversation with [redacted] on March 2015, a replacement card was mailed to your addressThe amount of this card was $19.78, which represents the remaining balance on the original card minus the fees associated with issuing a new card to replace one that has expiredTheir records also indicate that the new card was activated on March 2015, and on March it was used in the amount of $leaving a remaining balance of $Furthermore, there were notes indicating that there were multiple attempts made by the card services provider to contact you by phone, but all of theirs calls went unanswered Based on the above information from the card services provider, Visa considers this matter to have been resolvedIf you feel any of this information is inaccurate, please contact the card services department using the contact information located on the back of the cardAs Visa is a separate company from the financial institution that issued the card as well as the card services provider, we are unable to assist you further in this matter We appreciate that you took the time to bring this matter to our attentionHopefully with the help of the financial institution that issued the card, you will be able find a satisfactory resolutionWe ask that you please allow the Revdex.com to close this complaint against Visa, as we have addressed this inquiry to the extent of our ability Sincerely, [redacted] Visa Executive Inquiries Office Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) did not receive card.you are telling me that you mailed a card,it was received, activated within or daysyet when the same case was viewed in April the acctshowed no actionthat is why I was referred to a supervisor.if used last of march I wouldn't waste my time in Aprthe card was to be mailed in weeks,why wait weeks and call about same card if I had already received cardand your several attempts to call me are false,my phone receives any message that is left & my caller id & messages are checked.no messages left on machine and someone didn't erase the message accidentally.you have already made your mind up you are not going to pay out anything.that is why all the claims of phone calls,card mailed & fees.stall,stall,fees,fees until nothing is left Final Business Response / [redacted] (4000, 9, 2015/05/08) */ Dear [redacted] , Thank you for your response dated April I am sorry that you feel that the information provided to Visa by the financial institution that issued your card (also known as the issuer), is inaccurateIn order to address these concerns, you are going to have to contact the issuer, as Visa does not have any involvement in managing the cardholder relationship As I stated in my letter dated April 2015, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" sectionThe card services department you spoke with is a function of the issuer, and is not a part of Visa The statements regarding a replacement card being mailed to your address were made by the issuer, and not by VisaThe statements regarding attempts to contact you by phone were also made by the issuer, and not by VisaThe only involvement Visa has had in this matter up to this point is me reaching out to the issuer on your behalf; as a courtesy to you I completely understand your frustrations, as it appears that you and the issuer have differing accounts of the details surrounding this matterHowever, your complaint is actually with the issuer and not with VisaFor further assistance you must contact the issuer directlyTheir contact information can be found on the back of your cardVisa has already provided you with all of the information and support that we can in this matter Sincerely, [redacted] Visa Executive Inquiries Office Final Consumer Response / [redacted] (4200, 11, 2015/05/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) You are the parent company, your name on the letter head,it's your problemBut you chose to bury the problem in red tapeI am terribly disappointed in the way you have handled this situationSuch a small problem for you, could have been handled with a couple phone callsVery sad way to handle businessI hope you will do a better job of customer service in the future.I know you think you've won, but you have failed miserably in the customer service dept Revdex.com, thank you for all your help I am officially ending trying to seek a resolution to this problemI do not accept their proposed resolution for the problem, but I will not pursue this issue any further

Initial Business Response / [redacted] (1000, 5, 2015/08/07) */ August 7, Attn: [redacted] Dispute Resolution Specialist Revdex.com Case #: XXXXXXXX RE: [redacted] Claim #: XXXXXXXXXX Date of Loss: 4/19/ Dear Ms [redacted] : The following constitutes our response to Ms ***'s complaint regarding a claim for benefits under the Citi Bank Purchase Protection BenefitThe cardholder does not purchase a policy of insurance but is instead provided this coverage as a benefit at no additional cost, resulting from the cardholder's relationship with Citi Bank Every Citi Bank cardholder receives a copy of the complete terms and conditions of the benefit in the Guide to Benefits provided at card issuance and periodically thereafter As indicated in Ms***'s complaint, she submitted a claim reporting stolen sunglasses and a dressShe indicated that the claim had not been paid and additional documentation was being requestedAs indicated in the guide to benefits under: What items are covered by Purchase Security? And What documents do I need to submit with my claim? What items are covered by Purchase Security? Your eligible purchases are protected against damage due to the following: Fire, smoke, explosion, riot, or vandalismWindstorm, lightning, hail, rain, sleet, or snowAircraft, spacecraft, or other vehiclesTheft (except from autos or motorized vehicles)Accidental discharge of water or steam from household plumbingSudden accidental damage from electric current(This benefit does not apply to electronic components.) What documents do I need to submit with my claim? Your completed and signed claim formYour Visa card receiptThe itemized store receiptA police report (made within forty-eight (48) hours of the occurrence in the case of theft), fire, insurance claim, or loss report, or other report sufficient to determine eligibility for benefitsA copy of your insurance declaration page, when applicableDocumentation (if available) of any other settlement of the theft or damageAny other documentation deemed necessary to substantiate your claim All claims must be fully substantiated as to the time, place, cause, and amount of damage or theftIn most cases you will be asked to send, at your expense, the damaged item to substantiate a claimRetain the item in the event it is requested by the Benefit Administrator Ms [redacted] indicated upon filing of her claim that she was robbed while riding on a trainShe provided receipts for the sunglasses and the dress being claimedBoth of these items were purchased from Saks Fifth AvenueSaks was contacted on 5/14/and a Saks representative provided information that the dress that was claimed for $had been returned to the storeThe sunglasses were not returned at that timeAdditional documentation was received on 6/8/2015, and a denial was issued On 7/8/15, Ms [redacted] advised us that while returns had been made, the dress for $was not returned to SaksA request for the return receipt was madeTo date, Ms [redacted] has not provided this informationIn an attempt to verify her claim, a third call was placed to Saks on 8/6/15, and during that call we were advised by the Saks manager that the dress in question was not returned; that another dress was returned along with other itemsAs a result of this additional information, we are reopening the claim and will continue to processPayment will be issued upon receipt of additional documentation that has been requested from Ms*** Thank you for your consideration in this matterIf you should require any additional information, please do not hesitate to contact me directly at the number or e-mail provided above

Dear Sir/Madam, Please see our attached response

Complaint: ***I am rejecting this response because: Visa accepts no role or responsibility in the "Verified by Visa" systemUnbelievableThey should not be allowed to conduct their business like this. Sincerely,Cristina ***

Initial Business Response /* (1000, 5, 2015/05/28) */
Dear Mr***,
Thank you for contacting Visa through the Revdex.com regarding the internet pharmacy www.northwestpharmacy.comWe appreciate that you took the time to ask us about this
Visa is responsible to ensure that
Visa cards are not offered as a payment method for anything that would violate federal or state lawsAt present, our policy requires that any merchant, such as an internet pharmacy, be legally compliant in the jurisdiction it operates from and in the jurisdictions where it sells drugs to customersOur research indicates that there are multiple internet pharmacies that fail to meet these criteria including the internet pharmacy www.northwestpharmacy.comDue to the potential health and safety issues associated with this merchant they are not permitted to transact over the Visa Payment SystemFor additional information relating to safe online pharmacies please visit www.legitscript.com and www.safemedsonline.org
I hope that this helps answer your questionThank you again for contacting Visa
Sincerely,
***
Visa Executive Inquiries Office
Initial Consumer Rebuttal /* (3000, 7, 2015/06/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
VISA claims that its action was done to protect consumers, but that is baloneyThe people who buy at Northwest Pharmacy do not need any such protectionVISA claims to base its evaluation on ratings by LegitScript, but LegitScript gives "unapproved" ratings to all foreign pharmacies even if its investigations find nothing wrong with themIf VISA really wants to protect consumers from fraud, it should stop processing hundreds of millions of dollars of orders per year for worthless pills and weight-loss schemes marketed through infomercials
Final Business Response /* (4000, 9, 2015/06/23) */
Dear *** ***,
In response to the rebuttal that you submitted to the Revdex.com, I would like to reiterate what was stated in my previous letter and what we discussed during our phone conversationThe Visa rule that prohibits merchants like www.northwestpharmacy.com from engaging in transaction over the Visa Payment System is in place in order to fulfil our obligation to ensure compliance with any and all applicable federal and local legislation and/or regulationVisa does not enact rules or policies for the purpose of disadvantaging any merchants in favor of other merchants as you have insinuated
As I acknowledged over the phone, Visa is not permitted to address the specifics of any legislation and/or regulation that is being sustained or the specifics of any potential violations that may occur if Visa were to permit this merchant to transact over our networkDue to the extremely sensitive legal and regulatory nature of this inquiry, Visa is unable to contend on this matter any further as we have communicated all that we are at liberty to discuss
Visa would like to thank you for your understanding in this matter, and we appreciate that you took the time to bring it to our attentionI realize that this is not likely the resolution that you desired, but I can assure you that the information I have provided to you is accurate and is indeed the answer to your inquiryWe ask that you please allow the Revdex.com to close this case as Visa will now consider this matter resolvedThank you
Sincerely,
***,
Visa Executive Inquiries Office
Final Consumer Response /* (4200, 11, 2015/06/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is no proposed resolutionVISA say it is following unspecified "legislation and/or regulation" cannot be specific because the matter is too "sensitive." (In other words, "we have reasons but we won't give them to you.") I do not believe there is any legal reason why VISA cannot permit cardholders to use their cards to purchase from legitimate Canadian pharmaciesI suspect that VISA does not want to reveal the real reason behind its policy to prevent others from seeing that it is baseless and might violate antitrust lawsVISA representative told me that others have made the same complaint as I have

Initial Business Response /* (1000, 5, 2015/11/10) */
Dear Mr***,
We are sorry that you did not receive the NFLShop.com $off + free shipping offer on Sunday October Due to greater than expected demand, our limited number of promotional codes for this promotion were exhausted
To
show our appreciation of you as a customer, we are providing you with a $Visa Pre-Paid card that can be used wherever Visa is accepted
Thank you,
Visa Checkout Customer Support Team
Initial Consumer Rebuttal /* (2000, 7, 2015/11/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I thank Visa Checkout's Customer Support Team for their response, am satisfied with it, and consider this issue resolved

Complaint: ***I am rejecting this response because Visa***, not the bank, lists some benefits in the website for Visa Infinite customersTherefore, regardless of the bank, if the card is a Visa Infinite
card there are some benefits provided by Visa
The reply seemed to generic for what I complained aboutI never asked for any refund, despite what it says in Visa's replyI'm complaining about the lack of answer to my questions regarding the benefits available to Visa Infinite cardholders like me, that are advertised directly by Visa in their visa*** website, not through my bank.Sincerely,Igor ***

Initial Business Response /* (1000, 5, 2015/12/22) */
Dear *** ***,
Thank you for alerting Visa through the Revdex.com regarding the difficulties you are experiencing with your Visa gift cardWe value your business and regret to hear about your situationUnfortunately, we
are unable to assist you directly with this matterVisa does not set up, service, or have access to cardholder accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, authorizing or declining transactions, how it manages statements, etc
By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own
These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" sectionThe customer service department that you spoke with is a function of the financial institution that issued your Visa card, and not a part of Visa
As Visa is a separate company from the financial institution that issued your Visa card, we do not have access to your account to make the changes that you have requestedI would recommend that you contact the financial institution that issued your Visa card with your concerns
I appreciate that you took the time to bring this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of the financial institution that issued your Visa card you will be able to find a satisfactory resolution
Sincerely,
***
Visa Executive Inquiries Office
Initial Consumer Rebuttal /* (3000, 7, 2015/12/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hi,
Thank you for the responseCan you please provide the contact for the institution as they are not replying to my calls/faxes or preferably can you please reach out to them on my behalf?
If you are in licence with them I would think this is something you can do?
Thanks,
***
Final Business Response /* (4000, 9, 2015/12/31) */
Dear *** ***,
Thank you for the response that you submitted to the Revdex.comUnfortunately, we do not have access to the contact information for the financial institution that issued your Visa cardThere is typically a phone number on the back of the card that the cardholder can use to contact the cardholder services department for the issuing financial institution
I hope with this information, you will be able to get in contact with the financial institution that issued your Visa card and find a satisfactory resolution to this matterThank you
Sincerely,
***
Visa Executive Inquiries Office
Final Consumer Response /* (4200, 11, 2016/01/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Hi,
I have called, faxed and had no responseAs it is a card using visa, can you please contact them? I am unsure why you would not be able to do so if it is card using visaSeems unreasonable and uncooperative
Please advise or provide alternative contact information for the Visa using institution
Thanks
***

Great customer service Have had glasses done there for the past several years Sheila is so knowledgeable, patient and thorough We have moved to Florida and I still get my new glasses from Brooks Optical This is definitely a business that looks after the customer in more ways than one

Initial Business Response /* (1000, 5, 2015/11/10) */
Dear Mr***,
We are sorry that you did not receive the NFLShop.com $off + free shipping offer on Sunday October Due to greater than expected demand, our limited number of promotional codes for this promotion were exhausted
To show our appreciation of you as a customer, we are providing you with a $Visa Pre-Paid card that can be used wherever Visa is accepted
Thank you,
Visa Checkout Customer Support Team
Initial Consumer Rebuttal /* (2000, 7, 2015/11/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Ok, where is itThis acceptance is conditional upon receiving the gift card

Dear Sir/Madam,
Please see our attached response to MrMote’s response

Initial Business Response /* (1000, 5, 2015/12/30) */
December 30,
Attn: *** *** Dispute Resolution Specialist
Revdex.com Case #: XXXXXXXX
RE: ***, ***
Claim #: XXXXXXX
Date of Loss: 12/2/
Dear Ms***
The following constitutes our response to Mr
***'s complaint regarding a claim for benefits under the Chase Bank Price Protection BenefitThe cardholder does not purchase a policy of insurance but is instead provided this coverage as a benefit at no additional cost, resulting from the cardholder's relationship with Chase Bank
Every Chase Bank cardholder receives a copy of the complete terms and conditions of the benefit in the Guide to Benefits provided at card issuance and periodically thereafter
In Mr***' s complaint, he states he submitted a claim under the benefits for Price Protection on a suit purchased from Brooks Brothers of New YorkAs a part of the claims process, it is the cardholder's responsibility to provide documentation that the item purchased and the sale item advertised and available are identicalHis claim was denied since the benefit only applies to an identical item being available on sale as the item purchased and Mr*** did not and was unable to provide an ad identifying that the item on sale was the identical to the one he purchased
As part of reviewing this claim since Mr***' s complaint, we contacted Brook Brothers and were able to confirm that the advertised item was identical to the one Mr*** purchasedAs a result, the denial will be overturned and a check for the price difference will be issued
Thank you for your consideration in this matterIf you should require any additional information, please do not hesitate to contact me directly at the number or e-mail provided

Initial Business Response /* (1000, 5, 2015/06/05) */
June 5th,
Revdex.com, Inc
Broadway #
Oakland, CA XXXXX
Re: *** *** ***
Case # XXXXXXXX
Dear Revdex.com:
We have received your Complaint Activity Report dated as of June 2,
regarding *** *** ***With the information provided, we do not have sufficient detail about *** Allen ***'s Visa card and without getting further information from him and his bank would need to cooperate to help us investigate further
Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under Visa's neutral trademarkThese financial institutions independently determine the terms and conditions of credit extensions, the number of cards to issue, and the interest rates and fees to charge cardholders, among other thingsVisa itself is not involved at the consumer level of payment card transactions: it does not issue cards, service a cardholder's account, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" section
We encourage the cardholder to contact their issuing bank directly for further assistanceHe can request that his bank block certain transactions from specific merchantsHe can also dispute any charges that he did not authorizeAn additional option is to request that his bank send a "contact cardholder update" message in their next Visa Account Updater (VAU) file to update his file, if they are currently electing to provide updates for his accountsThese are actions that Visa cannot take without instruction from the issuing financial institutionVisa Account Updater only provides information to merchants at the direction of the issuing financial institution
In general, issuing banks and acquiring banks can elect to participate in VAUThe issuing bank determines whether to provide updated credit and debit card information through VAU to participating acquiring banks and their enrolled merchantsFurther, the cardholder agreement between you and your issuing bank and/or your issuing bank's privacy policy may explain how the issuing bank may use cardholder information
You may contact Visa at XXX-XXX-XXXX or ***@visa.com with any questions or further information
Sincerely,
Visa Executive Inquiries

Initial Business Response /* (1000, 5, 2015/08/14) */
Dear Mr***,
Thank you for alerting Visa through the Revdex.com to your concerns regarding the solicitation you received for a Visa card through Merrick BankUnfortunately, we are unable to assist you directly with this
matterVisa does not set up, service, or have access to cardholder accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, authorizing or declining transactions, how it manages statements, etc
By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own
These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" section
As Visa is a separate company form Merrick Bank, we were not connected to the unwanted solicitation that you receivedAlso, Visa does not have access to any of your accounts or personal information
I appreciate that you took the time to bring this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of Merrick Bank you will be able to find a satisfactory resolution
Sincerely,
***
Visa Executive Inquiries Office

Initial Business Response /* (1000, 8, 2015/11/23) */
Dear Revdex.com,
Visa has resolved this matter directly with the consumerPlease close this case
Thank you,
Visa Executive Inquiries Office