Global Cash Card Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Global lied to me about this transfer for days, insisting they had no record of it, after I faxed a copy of the receipt to them on the 15th. They kept telling that they were 'working on it', but no progress was made. I was put on hold for times exceeding 30 minutes. I have a printout from [redacted] showing that the money was received by Global at 12:30 p.m., on the 15th. Global security dept. insisted the issue was that I loaded too much that day, from a Western Union transfer as well, and that by some 'law they were required to hold the funds until they found out, from me, where I got the money. That was from the security dept., that person hung up on me, later that dept. claimed no knowledge of making that claim. The fact that they claimed it was [redacted]'s fault is their way of avoiding responsibility for anything. I had to pay for a motel since Wednesday, fifty a night, because I could not pay for an apartment I wanted, now I am out a lot of money and will just barely make it through this month.I suffered monetary damages because of this. I deserve to be re-imbursed. I deserve better than what they are offering for a reason of what happened. I can never trust [redacted] or Global again.Also, this brings up the possibility that this was a computer failure, or someone hacked into thew computer systems of these companies and they do not want to admit anything. This has far reaching implications. This could be a national security issue, maybe subversive's were responsible for this. Whatever the reason, I suffered at the hands of these companies, and it was only because I am just one man and not a huge company with a frat deal of money that I was treated like I had to bear the brunt of this and accept that there was nothing I could do until this was handled in some way.I was victimized by both companies here. I cannot except this meaningless excuse for what I went through. I lost a thousand dollars for almost a week. That destryoed my state of emotional health. 
Regards,
[redacted]

As we have stated previously the $4.50 is the fee that the particular ATM charges and not Global Cash Card. Please refer to the cardholder agreement and review the fee schedule for more information. In order to avoid the ATM fee you can use an [redacted] or [redacted] ATM in the future. If you have any further questions please contact our customer service department at [redacted] and we will be happy to assist you.

It is the responsibility of the cardholder to keep the demographic information on the account current.  The system generated forms to the address on file.   The outcome of the dispute claim remains, regardless if the forms were received.  If further information is received, such as official documentation verifying the dates of hospitalization, the case may be reviewed further, however at this point with the details that we have, the case remains closed.

Thank you for your inquiry.  Our records indicate that a representative has spoken with you in regards to your concerns.  As stated, if the card is swiped at the pump, $100.00 will be authorized on your card.  Once the transactions settles for the final amount, the $100.00 will be...

released.  For future reference, the card can be swiped inside the gas station to avoid the $100.00 pre-authorization.  The decline fee in question has been credited to your account.  Should you have any further questions, please do not hesitate to contact the customer service number on the back of your card.

Thank you for your inquiry. We empathize with your frustration however we have no dispute rights on this transaction based on the information that has been provided to us. Please submit a written request to the dispute department in order to receive more information on the final decision. We...

recommend that you contact Credit Acceptance New York for a resolution. You can contact us at ###-###-#### if you have any further questions.

Thank you for your inquiry. We apologize for the inconvenience that you have experienced. As we have spoke over the phone on October 17, 2016 as a courtesy we have provided you with the total disputed amount as a provisional credit. Our records indicate that we have sent you...

the dispute form on September 13, 2016 to the address on file however since you have not received it, we will be sending you the form again.  Please send us the completed form once you receive it.  If you have any further questions don't hesitate to contact me directly at [redacted] ext. [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
These are not purchases made by me if they didnt look into this I am just confused as to how I am being held accountable for someone else having my card in the time it was over drawn.... and in other words I have received a new card payed this money that I did not spend and when I used it it took the last bit of money I had off and required me to pay the rest in cash how could I have over drawn a card that would not allow me to just days ago? 
Regards,
[redacted]

Thank you for your inquiry. Our records indicate that you received your payroll on April 26, 2016 in the amount of $97.58. On the same day you attempted to make a $100 purchase 3 times. Due to insufficient funds in your account you were charged a $.80 fee three times which is indicated in the terms...

and conditions that you have received with your card. As a courtesy we have refunded a total of $2.40 however we recommend that you review the terms and conditions that was provided to you. If you have any further questions you can contact our customer service department at [redacted] and we will be happy to assist you.

We apologize for any inconvenience you have endured with your account.  Unfortunately the value load was not transmitted to us from the payment provider.  A ticket was submitted to investigate the load after the value load receipt was received from you.  The funds were loaded to your...

account on April 4, 2015.  Please do not hesitate to contact customer service at [redacted] if you have any further questions.

We have attempted to reach out to Mr. [redacted] to no avail.  Global Cash Card issued a reimbursement for the requested fees as a courtesy on 01/21/2015.  A check was issued and sent out the same day, which zeroed the account balance.  The customer should expect to receive a check by Mail.  Our logs do not show that a supervisor was expected to return a call to Mr. [redacted].  If our logs did indicate that a call to the customer was expected, this would be a matter that would be investigated and handled internally.  If in fact a failure to comply with the customer’s request was identified, disciplinary action or further training would be provided to the individual(s) involved.  Global Cash Card takes pride in providing world-class customer service; it is the foundation in which Global Cash Card was built upon, which is why we offer 24/7 customer service and have supervisors available at all times. Should the customer need further assistance, he’s more than welcome to reach me directly.  My name is [redacted]; I am the Fraud Risk Supervisor.  Phone number 866-395-9200 Ext [redacted]

We apologize for any inconvenience the customer may have experienced.  There appears to have been a processing error on the merchant’s end in which they placed a hold on the customer’s account twice for the same transaction.  If a transaction is on hold we must honor the pending...

transaction for the merchant to collect, this is how pending transactions are handled among all financial institutions, not just Global Cash Card. In an effort to provide World Class Customer Service, Global Cash Card offered the customer the option of contacting the merchant and sending us a faxed letterhead requesting for the funds to be released, at which point we can manually expedite the process of removing the hold from that transaction as a courtesy to the cardholder. Global Cash Card provides this option as a courtesy, which is not very common among the industry.  Furthermore, our logs indicate that the customer did not want to reach out to the merchant to take advantage of this optionOn 02/16/2015, during a call from the customer, the issue was escalated to one of our customer service supervisors.  The customer service supervisor released the transaction for the customer as a courtesy after confirming through our processor that only one transaction was meant to be collected.    At this time the transaction has been cleared from the customer’s account and the balance was adjusted accordingly.  Should the customer need further assistance, she can reach me directly.  My name is [redacted]; I am the Fraud/Risk Supervisor Phone 866-395-9200 Ext ###.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.Global Cash Card, did deposit my refund on the same day; February 4, 2015. Although I had to send my Identification and social security cards to an email address that could be viewed by anyone. Because the payment was from a third party (Internal Revenue Service) and this card was given to me by my employer for direct deposit since 9/2012. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Rebuttal:The business reason for charging fees for a transaction from a "Surcharge" Free ATM is inaccurate and directly contradicts what was stated when the business was contacted directly on Jan 2015/ Feb 2015, and November 2014. With regards to those dates I received 3 different answers as to why I was charged a fee.1) the atm owner charges a fee (this is inaccurate; as the ATM owner publicly states on the ATM's that it is SURCHARGE FREE). I called the ATM owner (PNC Bank) and verified this). The ATM fee's are NOT charged at all WAWA Stores.2) the rep stated that 711 stores all charge a fee and charge the item purchase twice as a standard measure. (This was also unfounded; and what was determined was Global Cash Card has this problem themselves with all 711 stores and refuses to fix the problem).Global Cash Card has a history of problems:[redacted]
Regards,
[redacted]

We can certainly empathize with your frustration. As we had previously discussed,  you had made a deposit on October 14, 2015 through [redacted].  The notification that is normally delivered to Global Cash Card through our servers was not transmitted and that’s what caused the initial delay.  Additionally, due to the fact that cash was loaded to your account using multiple sources, we had to understand and verify where the funds were coming from. We attempted to contact you multiple times on your cell phone and your motel room to discuss your account, however we were unable to reach you. As we have discussed, due to the inconvenience that you have experienced we are able to offer a $25 gift card.

Thank you for your inquiry.  I verified your address as what we have in our system, we will resend the forms today.  Please call [redacted] if you have further questions.

Thank you for your inquiry. We empathize with your frustration. As we have discussed over the phone on April 8, 2016 our records indicate that you have 3 authorizations pending for $403.95, $403.95 and $503.95. As we have already explained in order for us to be able to release the funds earlier than...

the set date, we require the merchant to send a release letter head stating that they will not be collecting the funds. Our records indicate that [redacted] tried to provide you with the same resolution. Please contact our customer service at [redacted] with any additional questions.

Again we apologize for any inconvenience you have experienced.  We called the phone number provided to you and were able to speak with a customer service professional.  We have left multiple voicemails and sent emails to try to get a hold of you to rectify the situation.  Please call me directly at your earliest convenience to discuss.  My name is [redacted] and I can be reached directly at [redacted] ext [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

Thank you for your inquiry.  We were experiencing an unusually high call volume due to network issues out of our control on July 24, 2015.  Great customer service is of utmost importance to us and we apologize for any inconvenience that you experienced.  Our records indicate you were...

able to connect with the dispute department on July 25, 2015 and a claim was initiated with [redacted] on your behalf.  There would not be a charge for a replacement card, however it appears that you requested to have a card issued via FedEx in which case there is a charge.  Please feel free to contact us toll free for any additional questions at [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
It took 14 hrs for yoursupport person to contact me which is very unprofessional.when I did actually speak to an individual they can hardly come in English they didn't understand what I was saying nor could they communicate clearly no succinctly a resolution and then I use profanity out of frustration and I have no regrets about it.Clearly you have no idea how to run a business;it's called customer service recovery perhaps if you look in one of your management books you might find that embedded somewhere.I used profanity after a week of frustration and that has nothing to do with the fact that you are trying to run a business but clearly don't have the tools to do so. When a customer has an issue you try and resolve the issue resolving the issue would have been express mailing me my card with my $250 lingering in cyberspace that would have solved this issue. Don't tell me what I did. You were not doing me a favor it was my money that you gained interest on (by the way I know how those cards work).at this point this company really has nothing more to offer a clearly so I don't even want to drag this out until 2015 when I'm ready I will cancel my relationship with them shortly thank you for the opportunity to express myself and let the public know what is happening behind the scenes.furthermore invest in hiring individuals who at least have a college education to work in your customer service department.
Regards,
[redacted] MBA, MS