Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because:In response to the correspondentAccording to the Social Security Office there was only one account number they my funds to deposited into that accountAs per speaking with a representative I was give different account numbers in which I was informed given account numbersThen speaking with a woman named Michelle from your disputes department when I questioned her about it she stated "They virtual account numbers." According to banking (If customer has any account regarding what type it is: There only virtual account to an account.) How can I have account number on file with Social security and Metropolitan commercial bank/Nexscard have 7? Here the account#'s [redacted] Please look deep into thisAlso the ATM withdrawal that I never didSincerely; [redacted]
In response to [redacted] ’s dissatisfaction with our prior response we have re-reviewed our files regarding the transactions in which [redacted] is disputingThree disputed ATM transactions occurred on and two on ATM transaction, per review of [redacted] ’s account statement on that day, we note two transactions occurring at 7:41:26, which show an ATM transaction and a reversal of the same amount to the account relating to the disputed ATM transactionBased on this information, we conclude that there was no adverse effect to [redacted] ’s account balance relating to this transactionIn review of the two disputed ATM transactions which occurred on 5/*/16, we did not discover any information that indicated erroneous transactions occurredSince ATM transactions require a Personal Identification Number (PIN) to access funds, only [redacted] would be able to perform these ATM transactionOur cardholder agreement states “If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately ” Since [redacted] did not immediately notify us that anyone gained unauthorized access to her PIN, we were not able to conclude that these ATM transactions were erroneousWe have made every effort to review and resolve [redacted] ’s disputes in accordance with banking requirements and the cardholder agreement, which indicate the amount of time that may be needed to complete a dispute investigationSeparately, in response to [redacted] ’s concern that each card has its own account number, it is important to clarify that each card will receive its own internal reference number, not account number [redacted] ’s account is managed under one account numberThank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: The claim holds merit due to the fact that I never gave my card/pin info to anyone and furthermore the money that was deducted from my account may show a reversal on paper but in actual dollars it was never returned to my accountI know how to add numbers and it was never returned to me as Metropolitan Bank claims to be the caseI think I deserve and have a right to know what the investigation process entails so I feel all has been done to rectify the situation as oppose to trusting the word of a Bank that has an overwhelming amount of bad reviews and mostly known for cheating their own customers out of their hard earned money and denying most claims that are submittedCheck the Bank's reputation online which it speaks for itselfNOT TO BE TRUSTED!! They claimed in their statement a PIN is required when doing an ATM transactionNot in this case, I called the ATM provider which is PAI located at [redacted] & spoke with a customer service rep Cassidy who said if there are any questions regarding SKIMMING please don't hesitate to call her @ ###-###-####Cassidy forwarded this article to prove Metropolitan Bank was wrong in their assumption that I am the only person who could possible due an ATM transaction because my personal PIN# is needed to access the funds I was emailed the following link from Cassidy of PAI the ATM provider/servicing Coto educate those who thought a PIN is the only way to steal money from an ATM machine [redacted] [redacted] Sincerely, [redacted] Morgan In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
Dear *** ***,Please note that Metropolitan Commercial Bank is an issuing Bank for your Nexis CardWe do not have access to your information on our endWe have forwarded the complaint to the proper parties and have attached their response above.For a more effective resolution of this issue, please
contact Nexis card directlyLet us know if we may be of further help by contacting us at ***
Regards,Pamela S*Compliance Officer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:In response to the correspondent. According to the Social Security Office there was only one account number they my funds to deposited into that account. As per speaking with a representative I was give 7 different account numbers in which I was informed given 7 account numbers. Then speaking with a woman named Michelle from your disputes department when I questioned her about it she stated "They virtual account numbers." According to banking (If customer has any account regarding what type it is: There only virtual account to an account.) How can I have 1 account number on file with Social security and Metropolitan commercial bank/Nexscard have 7? Here the account#'s[redacted]Please look deep into this. Also the ATM withdrawal that I never did. Sincerely;[redacted]
In response to [redacted]’s dissatisfaction with our prior response we have re-reviewed our files regarding the transactions in which [redacted] is disputing. Three disputed ATM transactions occurred on 4/**/16 and two on 5/*/16. For privacy purposes, we have removed the amounts and locations of these ATM transactions, however, the results of our re-review are as follows: Regarding the 4/**/16 ATM transaction, per review of [redacted]’s account statement on that day, we note two transactions occurring at 7:41:26, which show an ATM transaction and a reversal of the same amount to the account relating to the disputed ATM transaction. Based on this information, we conclude that there was no adverse effect to [redacted]’s account balance relating to this transaction. In review of the two disputed ATM transactions which occurred on 5/*/16, we did not discover any information that indicated erroneous transactions occurred. Since ATM transactions require a Personal Identification Number (PIN) to access funds, only [redacted] would be able to perform these ATM transaction. Our cardholder agreement states “If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately…” Since [redacted] did not immediately notify us that anyone gained unauthorized access to her PIN, we were not able to conclude that these ATM transactions were erroneous. We have made every effort to review and resolve [redacted]’s disputes in accordance with banking requirements and the cardholder agreement, which indicate the amount of time that may be needed to complete a dispute investigation. Separately, in response to [redacted]’s concern that each card has its own account number, it is important to clarify that each card will receive its own internal reference number, not account number. [redacted]’s account is managed under one account number. Thank you.
All of our accounts are managed on a master account level, however when a customer obtains a new or replacement card, an internal reference number associated with the card is established. We only maintain one master account for [redacted], however during the time that [redacted] has been a...
cardholder of ours her card was replaced several times, prompting the creation of new internal reference numbers. These internal reference numbers provide an added level of security for the card and cardholder and are simply for internal use. All account management occurs at the master account level, which solely received [redacted]’s deposits, which she accurately stated. Nexscard fees are disclosed in the cardholder agreement which was provided to [redacted] upon her initial card receipt and with each replacement card sent to her. All fees that [redacted] deemed to be in error were reversed upon her request. [redacted] has initiated several transaction disputes, all of which followed a standard review process and each dispute review evaluates the specific circumstances of that dispute. [redacted] currently has appealed a dispute decision, which is under review. Upon conclusion of these reviews [redacted] will receive written notification of the resolution of this appeal.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
The claim holds merit due to the fact that I never gave my card/pin info to anyone and furthermore the money that was deducted from my account may show a reversal on paper but in actual dollars it was never returned to my account. I know how to add numbers and it was never returned to me as Metropolitan Bank claims to be the case. I think I deserve and have a right to know what the investigation process entails so I feel all has been done to rectify the situation as oppose to trusting the word of a Bank that has an overwhelming amount of bad reviews and mostly known for cheating their own customers out of their hard earned money and denying most claims that are submitted. Check the Bank's reputation online which it speaks for itself. NOT TO BE TRUSTED!! They claimed in their statement a PIN is required when doing an ATM transaction. Not in this case, I called the ATM provider which is PAI located at [redacted] & spoke with a customer service rep Cassidy who said if there are any questions regarding SKIMMING please don't hesitate to call her @ ###-###-####. Cassidy forwarded this article to prove Metropolitan Bank was wrong in their assumption that I am the only person who could possible due an ATM transaction because my personal PIN# is needed to access the funds. I was emailed the following link from Cassidy of PAI the ATM provider/servicing Co. to educate those who thought a PIN is the only way to steal money from an ATM machine. [redacted] Sincerely,[redacted] Morgan
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because:In response to the correspondentAccording to the Social Security Office there was only one account number they my funds to deposited into that accountAs per speaking with a representative I was give different account numbers in which I was informed given account numbersThen speaking with a woman named Michelle from your disputes department when I questioned her about it she stated "They virtual account numbers." According to banking (If customer has any account regarding what type it is: There only virtual account to an account.) How can I have account number on file with Social security and Metropolitan commercial bank/Nexscard have 7? Here the account#'s [redacted] Please look deep into thisAlso the ATM withdrawal that I never didSincerely; [redacted]
In response to [redacted] ’s dissatisfaction with our prior response we have re-reviewed our files regarding the transactions in which [redacted] is disputingThree disputed ATM transactions occurred on and two on ATM transaction, per review of [redacted] ’s account statement on that day, we note two transactions occurring at 7:41:26, which show an ATM transaction and a reversal of the same amount to the account relating to the disputed ATM transactionBased on this information, we conclude that there was no adverse effect to [redacted] ’s account balance relating to this transactionIn review of the two disputed ATM transactions which occurred on 5/*/16, we did not discover any information that indicated erroneous transactions occurredSince ATM transactions require a Personal Identification Number (PIN) to access funds, only [redacted] would be able to perform these ATM transactionOur cardholder agreement states “If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately ” Since [redacted] did not immediately notify us that anyone gained unauthorized access to her PIN, we were not able to conclude that these ATM transactions were erroneousWe have made every effort to review and resolve [redacted] ’s disputes in accordance with banking requirements and the cardholder agreement, which indicate the amount of time that may be needed to complete a dispute investigationSeparately, in response to [redacted] ’s concern that each card has its own account number, it is important to clarify that each card will receive its own internal reference number, not account number [redacted] ’s account is managed under one account numberThank you
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: The claim holds merit due to the fact that I never gave my card/pin info to anyone and furthermore the money that was deducted from my account may show a reversal on paper but in actual dollars it was never returned to my accountI know how to add numbers and it was never returned to me as Metropolitan Bank claims to be the caseI think I deserve and have a right to know what the investigation process entails so I feel all has been done to rectify the situation as oppose to trusting the word of a Bank that has an overwhelming amount of bad reviews and mostly known for cheating their own customers out of their hard earned money and denying most claims that are submittedCheck the Bank's reputation online which it speaks for itselfNOT TO BE TRUSTED!! They claimed in their statement a PIN is required when doing an ATM transactionNot in this case, I called the ATM provider which is PAI located at [redacted] & spoke with a customer service rep Cassidy who said if there are any questions regarding SKIMMING please don't hesitate to call her @ ###-###-####Cassidy forwarded this article to prove Metropolitan Bank was wrong in their assumption that I am the only person who could possible due an ATM transaction because my personal PIN# is needed to access the funds I was emailed the following link from Cassidy of PAI the ATM provider/servicing Coto educate those who thought a PIN is the only way to steal money from an ATM machine [redacted] [redacted] Sincerely, [redacted] Morgan In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
Dear *** ***,Please note that Metropolitan Commercial Bank is an issuing Bank for your Nexis CardWe do not have access to your information on our endWe have forwarded the complaint to the proper parties and have attached their response above.For a more effective resolution of this issue, please
*Compliance Officer
contact Nexis card directlyLet us know if we may be of further help by contacting us at ***
Regards,Pamela S
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:In response to the correspondent. According to the Social Security Office there was only one account number they my funds to deposited into that account. As per speaking with a representative I was give 7 different account numbers in which I was informed given 7 account numbers. Then speaking with a woman named Michelle from your disputes department when I questioned her about it she stated "They virtual account numbers." According to banking (If customer has any account regarding what type it is: There only virtual account to an account.) How can I have 1 account number on file with Social security and Metropolitan commercial bank/Nexscard have 7? Here the account#'s[redacted]Please look deep into this. Also the ATM withdrawal that I never did. Sincerely;[redacted]
In response to [redacted]’s dissatisfaction with our prior response we have re-reviewed our files regarding the transactions in which [redacted] is disputing. Three disputed ATM transactions occurred on 4/**/16 and two on 5/*/16. For privacy purposes, we have removed the amounts and locations of these ATM transactions, however, the results of our re-review are as follows: Regarding the 4/**/16 ATM transaction, per review of [redacted]’s account statement on that day, we note two transactions occurring at 7:41:26, which show an ATM transaction and a reversal of the same amount to the account relating to the disputed ATM transaction. Based on this information, we conclude that there was no adverse effect to [redacted]’s account balance relating to this transaction. In review of the two disputed ATM transactions which occurred on 5/*/16, we did not discover any information that indicated erroneous transactions occurred. Since ATM transactions require a Personal Identification Number (PIN) to access funds, only [redacted] would be able to perform these ATM transaction. Our cardholder agreement states “If you believe that anyone has gained unauthorized access to your PIN, you should advise us immediately…” Since [redacted] did not immediately notify us that anyone gained unauthorized access to her PIN, we were not able to conclude that these ATM transactions were erroneous. We have made every effort to review and resolve [redacted]’s disputes in accordance with banking requirements and the cardholder agreement, which indicate the amount of time that may be needed to complete a dispute investigation. Separately, in response to [redacted]’s concern that each card has its own account number, it is important to clarify that each card will receive its own internal reference number, not account number. [redacted]’s account is managed under one account number. Thank you.
All of our accounts are managed on a master account level, however when a customer obtains a new or replacement card, an internal reference number associated with the card is established. We only maintain one master account for [redacted], however during the time that [redacted] has been a...
cardholder of ours her card was replaced several times, prompting the creation of new internal reference numbers. These internal reference numbers provide an added level of security for the card and cardholder and are simply for internal use. All account management occurs at the master account level, which solely received [redacted]’s deposits, which she accurately stated. Nexscard fees are disclosed in the cardholder agreement which was provided to [redacted] upon her initial card receipt and with each replacement card sent to her. All fees that [redacted] deemed to be in error were reversed upon her request. [redacted] has initiated several transaction disputes, all of which followed a standard review process and each dispute review evaluates the specific circumstances of that dispute. [redacted] currently has appealed a dispute decision, which is under review. Upon conclusion of these reviews [redacted] will receive written notification of the resolution of this appeal.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
The claim holds merit due to the fact that I never gave my card/pin info to anyone and furthermore the money that was deducted from my account may show a reversal on paper but in actual dollars it was never returned to my account. I know how to add numbers and it was never returned to me as Metropolitan Bank claims to be the case. I think I deserve and have a right to know what the investigation process entails so I feel all has been done to rectify the situation as oppose to trusting the word of a Bank that has an overwhelming amount of bad reviews and mostly known for cheating their own customers out of their hard earned money and denying most claims that are submitted. Check the Bank's reputation online which it speaks for itself. NOT TO BE TRUSTED!! They claimed in their statement a PIN is required when doing an ATM transaction. Not in this case, I called the ATM provider which is PAI located at [redacted] & spoke with a customer service rep Cassidy who said if there are any questions regarding SKIMMING please don't hesitate to call her @ ###-###-####. Cassidy forwarded this article to prove Metropolitan Bank was wrong in their assumption that I am the only person who could possible due an ATM transaction because my personal PIN# is needed to access the funds. I was emailed the following link from Cassidy of PAI the ATM provider/servicing Co. to educate those who thought a PIN is the only way to steal money from an ATM machine. [redacted] Sincerely,[redacted] Morgan
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]