Haverty Furniture Co

Revdex.com La Posada Drive Austin, TX Re: Case # [redacted] Dear Ms***: First Bank & Trust of Brookings, SD ('the Baal, is in receipt of your follow up correspondence dated October 7, 2015, in regards to a complaint made by [redacted] ***In summary, Ms [redacted] is requesting further clarification on certain functions of her new account, including interbank transfers and direct depositAs previously stated, the Bank was informed that Ms [redacted] activated her new Visa Mango card on August 24, The Bank does not have information regarding Ms [redacted] Visa Mango account, as the card is issued by Sunrise Banks, NAIf there are further questions on the details of this situation, please contact Praxell Customer Service at [redacted] , as they work directly with the issuing bank of Ms [redacted] accountThe Bank considers Ms [redacted] complaint resolved and offers our most sincere apologies for any inconvenience she may have experiencedIf you have any further questions, please contact me [redacted] General Counsel/Director of Corporate Risk Management Cc: [redacted] W Street, #New York, NY

Re: Case # [redacted] : Dear Ms***: First Bank & Trust of Brookings, SD ('the Bank'), is in receipt of your correspondence dated August 31, 2015, in regards to a complaint made by [redacted] In summary, Mr [redacted] is requesting that a credit be placed on his Mango card or provided to his employer to compensate for a direct deposit not posting to his accountMr [redacted] was notified that his Mango card would no longer be issued by the Bank, and he was given the option to continue his Mango relationship by activating a new card issued by Sunrise Banks, N.AMr [redacted] activated his new Mango card on August 11, The Bank understands that the direct deposit in question has been posted to Mr [redacted] Mango account with Sunrise Banks, N.A., in the amount of $If there are further questions on the details of this situation, please contact Praxell Customer Service at 1-855-687-2036, as they work directly with the issuing bank of Mr [redacted] ' accountThe Bank considers Mr***'s complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact meSincerely, [redacted] General Counsel/Director of Corporate Risk Management Cc: [redacted] ***

Dear Ms [redacted] :First Bank & Trust of Brookings, SD ('the Bank'), is in receipt of your correspondence dated July 28, 2015, in regards to a complaint made by [redacted] In summary, Mr [redacted] is requesting that the merchant charges he has disputed on his Mango account be refunded in full.The Bank understands Mango conducted a full investigation into each of the charges Mr [redacted] disputedIn summary, due to the account usage pattern displayed by Mr [redacted] throughout the timeframe of the investigation, the Bank concurs with Mango's conclusion to decline refunds of the disputed chargesA clear, repetitive cycle was demonstrated in which the account was loaded, then the account history was accessed multiple times online by Mr [redacted] , then the transactions began occurring until the balance became lowAt that time, the cycle would repeat, and the account never went into a non-sufficient funds statusFull investigation notes from Mango are enclosed for your review.Although the card is closed, Mango is allowing the account to receive any merchant credits of these transactions, which have been agreed upon between Mr [redacted] and the merchantOnce all merchant credits have been received, Mango will issue a check to Mr [redacted] for the totalThe Bank encourages Mr [redacted] to work directly with Mango to obtain a delivery status of the check.The Bank considers Mr [redacted] 's complaint resolved and offers our most sincere apologies for any inconvenience he may have experienced.If you have any further questions, please contact meSummary:New Mango account holder [redacted] disputed card not present transactions totaling $3,USD as unauthorizedAll of the disputed transaction were purchased with the cardholder's Virtual Card ending in ***On the Mango Dispute Resolution Form, the cardholder states he did not authorize and had no knowledge of the disputed charges.Investigation:The account was created May 28, When reviewing the weblogs for the cardholder's online account, cardholder established a history of using IP address [redacted] with an online username [redacted] on the same date the account was createdOn this same day, the cardholder called Mango Customer Service in order to gain early access to the Virtual CardShortly after this request, the cardholder successfully verified his identity by correctly answering Out of Wallet questionsAfter a few more hours, the cardholder called Mango Customer Service to request additional information on how to load the accountThe weblogs indicate the cardholder checked his online account at least times using the same IP address and usernameThis series of events establishes the cardholder using the IP address [redacted] and username ***, and the cardholder's intent to manually load the account.On the following day, May 29,2015, the account received two micro ach loads, and a Western Union load of $USDWithin several hours, the Virtual Card ending in was used for the initial purchase on the accountThis transaction was later disputed as unauthorized by the cardholderShortly after the charge, the online account was accessed several times by the cardholder using the same IP address and username as the day beforeThis indicates the cardholder became aware of the activity after the initial purchase against the account.On May 30,2015, three more transactions were made that were later disputed as unauthorizedAfter the first two transactions on that day, the cardholder again accessed the online account using the same IP Address and usernameShortly after that log in, the third transaction of the day took placeA few hours later, the online account was once again accessed with the same information.Early on May 31, 2015, the fifth disputed transaction was charged against the account, followed by access to the online accountLater that day, the sixth disputed transaction was charged against the accountAt this point, the charges against the account totaled roughly $USD, while the initial load to the account was just over $USDThis leaves an estimated account balance of $USDNo additional transactions were attempted until the account was loaded at about 6PMThe account was loaded with an additional $USD via Western Union, indicating that the individual conducting the disputed transaction has a clear understanding of the account balanceAt around 7PM, the online account was accessed and two additional transactions were placed within minutes of login, further supporting the notion that the disputed transactions were conducted by an individual with full access to the account.As the disputed transactions continue, a clear pattern developed: The account is loaded, the online account is periodically accessed, transactions occur until the account requires additional funds to make more purchases, and then the cycle begins again.In addition to the cycle mentioned above, the investigation revealed a few additional detailsSince the first transaction was declared unauthorized, the virtual card could have only been compromised during the account load processUpon further review, Western Union only requires the PAN number to be provided for a load to be performedIn order to make a purchaseOnline purchases would require the CVV and expiration date to be included along with the PAN number.Secondly, the account did not experience any Non Sufficient Funds declines during the roughly days of disputed transactionsDuring this timeframe, the account was periodically loaded times via Western UnionWhen the account balance dropped too low to continue with additional purchases, the account was always sufficiently loaded.Finally, the weblogs recording the online account access indicate the account was accessed anywhere from to times per day during the period of disputed transactionsThe vast majority of the access came specifically from IP address [redacted] When this IP Address was traced, the orgin was in [redacted] , [redacted] This matches the cardholder's city of residence on file.Conclusion:With the evidence provided above, we find that the cardholder contributed to or caused the losses from unauthorized transactions as a result of their actionsThe weblogs indicate continuous monitoring of the account by the cardholder combined with the multiple account loads indicate cardholder participation and consent in the disputed transactionsThis dispute is declined in full.The cardholder is eligible to receive the remaining balance on the account via checkThe cardholder must verify their current address before the check can be issued

Complaint: [redacted] I am rejecting this response because it fails to address my concerns: 1) reduction in services without notification, ie., bank-to-bank transfers, 2) lack of access to my funds (since Aug 26), 3) inept customer service--not 24/(frequent min waits on hold until I hung up or disconnects), silly advice ("withdraw your $balance from ATMs or get 'cash back' from merchants"), no email communication, no supervisors/managers available, broken promises that "a member of 'The Team' would get back" to meWhen I closed my account on Sept 7, concluding that that was the only way to access my funds, I was told I would receive a check for the balance "in to wks." What?! We live in the 21st century, not the 19th of Wells Fargo stagecoachAdditionally, on Sept 14, I called mango/sunrise to tell them to return to sender my paycheck that would be direct deposited on the 17th because it was too late to stop itCS said, "It's a simple matter, Miss ***, simply tell your employer to stop the check." I had just finished telling him my employer told me it was too late to stop itThen he told me someone from The Team would get back to meNo one didMost likely because they didn't want to give me the bad news that mango/sunrise is incapable of returning a checkNow there is even more money in my account to which I have NO access.Since the savings portion of my account yields 6% interest, I expect to receive 6% interest on the total of my funds until I deposit the check that may someday arrive Regards, [redacted] ***

As of August 1, 2016, Rev Worldwide, Incis no longer the owner/processor for the [redacted] Prepaid Card programPlease direct your complaint to Praxell and/or Sunrise Banks, N.A Kind regards, [redacted] ***Rev Worldwide

This has been the worst company to work with they changed over to a new card and hold your money hostage and don't have any way of fixing itEveryone who I talked to was very hard to understand and rudeIf they didn't have my money already I would be up and leaving them right nowThey even tried calling this so called new company they are going to and waiting on hold with me for minutes which is crazy and the guy pretty much told me I was a lair about waiting so long on the phone the times I called and never got to speak with any one and I proved him wrong poor run companythe guy I spoke with was a supervisor and was very unprofessional

November 3, [redacted] , [redacted] Revdex.com [redacted] Re: Case # [redacted] : [redacted] /> Dear Ms [redacted] : First Bank & Trust of Brookings, SD (‘the Bank’), is in receipt of your letter dated October 21, 2014, regarding a complaint made by [redacted] In summary, Mr [redacted] is questioning the availability of a credit in his account and is requesting access to the funds A deposit was made to Mr [redacted] ’s account on October 7, 2014, however, the item deposited was not in Mr [redacted] ’s name As a result,a block was placed on his account On October 15, 2014, Mr [redacted] was presented identity verification questions in order to remove the account block and was unable to provide the correct responses It is the Bank’s understanding that Mango Customer Service has informed Mr [redacted] on several occasions of the blocks, the verification documentation required to have the blocks removed, and an e-mail address and a fax number where the documentation may be sent No requested documentation has been received to date In order to remove the block from his account, Mr [redacted] must provide a copy of a state issued ID or driver’s license and a utility bill for himself and for the individual named on the received deposit itemThe Bank understands Mango Customer Service has instructed Mr [redacted] to send the required documentation to [redacted] or fax them to [redacted] The Bank considers Mr [redacted] ’s complaint resolved and offers our most sincere apologies for any inconvenience he may have experienced If you have any further questions, please contact me Sincerely, [redacted] Cc: [redacted] ***

Revdex.com La Posada Drive Austin, TX Re: Case # [redacted] Dear Ms***: First Bank & Trust of Brookings, SD ('the Baal, is in receipt of your follow up correspondence dated October 7, 2015, in regards to a complaint made by [redacted] ***In summary, Ms [redacted] is requesting further clarification on certain functions of her new account, including interbank transfers and direct depositAs previously stated, the Bank was informed that Ms [redacted] activated her new Visa Mango card on August 24, The Bank does not have information regarding Ms [redacted] Visa Mango account, as the card is issued by Sunrise Banks, NAIf there are further questions on the details of this situation, please contact Praxell Customer Service at [redacted] , as they work directly with the issuing bank of Ms [redacted] accountThe Bank considers Ms [redacted] complaint resolved and offers our most sincere apologies for any inconvenience she may have experienced.If you have any further questions, please contact me [redacted] General Counsel/Director of Corporate Risk ManagementCc: [redacted] ***W Street, #83New York, NY

Dear Ms [redacted] : First Bank & Trust of Brookings, SD ('the Bank'), is in receipt of your email correspondence dated February 19, 2015, in regards to a complaint made by [redacted] Per your request, this written response is being provided to confirm that the matter has been resolvedIn summary, Mr [redacted] was requesting the status of a replacement balance refund checkThe Bank understands that a replacement balance refund check was sent on June 23, in the amount of $to the address listed on the accountThe check was cashed on June 30, The Bank considers Mr [redacted] ' complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact meSincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: My account was still open until I called them to resolve thisThe bank closed my account the day I sent in the ID and Utility BillOnce I called them to resolve the issue they then at that point informed me that my account was being closed in April of this YearThey contacted me once saying that the bill that I emailed them was not good enough, so I sent them an energy/light billAfter this I received no further response from this bank of thievesI emailed them and asked for an update and they emailed me back saying they couldn't disclose information through emailSo, I called them and asked for the risk department time and time again after that to still not speak with anybody about my accountEverytime I confirmed who I was I was sent to a voicemailNo matter what time of day it wasThe bank did not try to reach out to me not onceI left several voicemailsNo I very busy at the time in to handle everything the bank wanted me to doSo I put it off to the side until I recently did my taxes this yearAnd my account was open this whole timeI called in occasionally to verify thisSo the bank is lying about all the detail they sent outWhat they are saying is they will hold on to the moneySo basically they are trying to keep my money and that's not ok with meWhy not reverse the transfer on their own? Why do I have to jump through all these loops for tax refund money that's legally due to me? Why? Because they are thieves and are trying their every effort to hold on to $plus because not only are they gaining interest from it but they are hoping eventually I give up on itWell this is not happeningThis is a bank and I need my money sent to meThe documents I've sent this year are valid and that's the reason that they've began to dodge me until I've gotten the Revdex.com involvedI refuse to let this issue go until they send me my check as promised following the sending in of my documents Regards, [redacted]

December 15,
-0.4pt;">*** ***, Dispute Resolution Specialist Revdex.com La Posada Drive Austin, TX Re: Case #***: Dear Ms***: First Bank & Trust of Brookings, 5D ('the Bank'), is in receipt of your correspondence dated December 11, 2015, in regards to a complaint made by *** ***In summary, Mr*** is requesting clarification on his account statusMr*** was notified via e-mail that his Mango card would no longer be issued by the Bank and was given the option to have his account closed or to continue his Mango relationship by activating a new card issued by *** *** N.AA copy of that e-mail is enclosed for your reviewMr*** closed his account with the Bank on August 27, 2015, and he opened his new account with *** *** N.A., that same dayThe Bank understands the transactions in question were conducted through to Mr***' Mango account with *** *** N.AFor further information, please contact *** Customer Service at ***, as they work directly with the issuing bank of Mr***' accountThe Bank considers Mr***' complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact meSincerely, *** *** *** *** ** *** *** ***

Re: Case #***: Dear Ms***: First Bank & Trust of Brookings, SD ('the Bank'), is in receipt of your correspondence dated August 31, 2015, in regards to a complaint made by *** ***In summary, Mr*** is requesting that a credit be placed on his Mango card or provided to
his employer to compensate for a direct deposit not posting to his accountMr*** was notified that his Mango card would no longer be issued by the Bank, and he was given the option to continue his Mango relationship by activating a new card issued by Sunrise Banks, N.AMr*** activated his new Mango card on August 11, The Bank understands that the direct deposit in question has been posted to Mr*** Mango account with Sunrise Banks, N.A., in the amount of $If there are further questions on the details of this situation, please contact Praxell Customer Service at 1-855-687-2036, as they work directly with the issuing bank of Mr***' accountThe Bank considers Mr***'s complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact meSincerely, *** *** General Counsel/Director of Corporate Risk Management Cc: *** *** *** ** *** ***
*** ** ***

Dear Customer,
After verifying the documents you have provided to verify you account, we have mailed a check containing the remaining funds in your account to the address listed in your account
Check Details:
Check#:
"white-space:pre"> ***
Amount: $Mail Date: 8/22/Address: * *** ***
*** *
Cambridge, MA
We apologize for the inconvenience
Kind regards,
Rev Worldwide, Inc

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

customer service is lacking big timeI took me a while to find a way to contact someone
I wanted to sign up online but I couldn't get past the verification page because of a technical issue, so I calledThe phone number provided goes to an automated menu and it doesn't have the option for non-cardholders who need support/have questionsI used the "lost/stolen" card option to get to talk to someoneI spoke to a woman that led me through the sign up process, still, we ended on the same error msgI asked her what is to be done from there, she said to waitWait to what end? If it doesn't work, THEN what? She said to call back, so I asked to have her information in the case that I wait and nothing happens and I DO call back, she'd know my situation and I wouldn't have to explain myself again to another repHowever, she refused and rushed to get off the call with an impatient toneI was not being a rude or uncourteous customer, but her attitude stunk anywayImmediately after, I called again and spoke with a man named Hector, he was willing and just told me to call back tomorrow when the support team was availableThe savings % is a good deal, but it might not be worth committing to a company that have poor representatives and poor mapping on their website
Overall I am left feeling irritated and uncared for

Dear Ms***: First Bank & Trust of
Brookings, SD ('the Bank'}, is in receipt of your correspondence dated February 23, 2016, in regards to a complaint made by *** ***In summary, Mr*** is requesting clarification on his card status of his Mango accountAlthough Mr***'s complaint is regarding his Mango account, we have regarded the complaint as one against the Bank given that Mango is the marketer and service provider of the account, not the issuerOn April 23, 2015, Mr*** requested to close his Mango Prepaid MasterCard account issued by the BankThere has been no activity on his account since that timeAs of September 1, 2015, the ownership of the Mango program transitioned from the Bank to PraxellCard accounts are now issued by Sunrise Banks, NAMr*** may direct questions regarding the status of any active accounts to Mango Prepaid Visa Support at 1-855-687-The Bank considers Mr***'s complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact me

Re: Case #*** Dear Ms***: First Bank & Trust of Brookings, SD (`the Bank'), is in receipt of your follow up correspondence dated October 2, 2015, in regards to a complaint made by *** ***In summary, Ms*** is requesting further clarification on the changes to her account and how to access the funds in her accountMs*** was notified that her MasterCard Mango card would no longer be issued by the Bank, and she was given the option to continue her Mango relationship by activating a new Visa card issued by Sunrise Banks, N.AA copy of that e-mail notification in enclosed for your reviewThe Bank was informed that Ms*** activated her new Visa Mango card on August 24, She was sent a confirmation e-mail for the order of her new card along with a statement that when her new Visa was activated, her MasterCard would automatically closeThe remaining prepaid MasterCard balance was transferred to her Visa balanceIf there are further questions on the details of this situation, please contact Praxell Customer Service at ***, as they work directly with the issuing bank of Ms*** accountThe Bank considers Ms*** complaint resolved and offers our most sincere apologies for any inconvenience she may have experiencedIf you have any further questions, please contact meSincerely, *** *** General Counsel/Director of Corporate Risk Management Cc: *** *** W Street, #New York, NY

May 4, *** ***, ***
*** *** Revdex.com *** ** *** ***
*** ** *** Re: Case #***: Dear Ms***: First Bank & Trust of Brookings, SD ('the Bank'), is in receipt of your email correspondence dated April 28, 2015, in regards to a complaint made by *** ***In summary, *** *** is requesting that his Union Plus account be reopened, and that he is refunded two monthly subscription feesThe Bank understands that the two monthly subscription fees assessed during the time *** *** did not have a card in his possession have been refunded to the account as of April 28, *** ***'s account has been reinstated and a new card has been orderedThe card should arrive to the account address within 7-business daysIn addition, the Bank understands that *** *** has been granted early access to his virtual card expiration date and CVV2, which will allow him to access the funds on the account immediatelyThe Bank considers *** ***'s complaint resolved and offers our most sincere apologies for any inconvenience he may have experiencedIf you have any further questions, please contact meSincerely, *** *** *** ***/*** ** *** *** *** Cc: *** *** *** * *** ***
*** ** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meThe deposit was made after the complaint and it says a lot about the company when they called me "Mr ***" in the response letter since that is not my name
Regards,
***l ***

Dear Mr***,I am terribly sorry that you have not received any funds that are owed to youWe are happy to investigate further, however we are unable to locate an account with any of the customer information providedPlease provide us with either of the following details to help us locate your
account: - Account Number - Card Number - Social Security Number of the listed cardholder - Address listed on the account - Phone number listed on the account Sincerely,*** ***Rev Worldwide, Inc