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One Global Finance, Inc.

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One Global Finance, Inc. Reviews (12)

We stated in our previous response to Mr***
that Walmart forced posted a transaction to Mr***’s card accountWe were
able to get the money back from Walmart, and on January 25, 2016, posted a
credit in the amount of the forced posted transaction onto Mr***’s card
accountWe called Mr*** in order to explain this to him, but we were only
able to leave him a message
We thank Mr*** for being an Exact Prepaid
MasterCard customer

We reviewed Mr***’s complaintHe returned an
item to Walmart on January 3, and Walmart agreed to provide a credit back
to his card account for the amount of the transactionMr*** believed he
should have received the credit from Walmart immediatelyHowever, when a
return is
made to a merchant it takes to business days for the merchant to
send the credit back to the cardIn this case, the credit was received from Walmart
on January 6, 2016, and was posted to Mr***’s card account on the same
day
As we researched this matter further, Mr***’s
Exact Prepaid MasterCard account balance became negative when a separate
transaction was forced through by Walmart on January 4, When a
transaction is forced through by a merchant it means the merchant did not
receive an authorization to verify whether the cardholder had funds on the
account before entering into the transactionWe would ask Mr*** to review
his card account to determine whether he in fact made a purchase at Walmart on
January 4, The forced transaction occurred at the Walmart where Mr
*** frequently makes purchasesIf Mr*** claims that transaction was
not authorized, he needs to contact the dispute department so we can attempt to
dispute the transaction on his behalfIf he did make such purchases, then the
matter should be closed
We thank Mr*** for being an Exact cardholder

Complaint: ***
I am rejecting this response because:No reason was stated for the closure of the account.
Sincerely,
*** ***

Complaint: [redacted]
I am rejecting this response because: This explanation is insufficient. I elect to go to arbitration. Since Exact Prepaid Master Card sure of their figures this matter can simply be resolved once and for all by having Exact Prepaid Master Card present to the arbitrator the exact time line that I have on my text alert system. Reasonable request. Exact Prepaid MasterCard contends that the text alert system doesn't show all of the financial features and transactions. (HOW CONVENIENT!) Has anyone ever noticed that when a mistake is made to an account, as is the case here, it's most always in the advantage of the company. Few companies make the mistake of putting TOO MUCH into the account, but, as is this case, my account showed a minus in the amount for a grand total of -$178.00 Please explain to the arbiter and myself where the minus amounts came from, the reason, rationale and dates of these reversals and why two transactions were denied at [redacted] grocery stores on the dates in question on my last response? May I add that I use the 'alert' system with both my [redacted] and my [redacted] account. Both alerts and the online reconciliation match. They do not in the case here. There is a bigger issue here. The issue I present, is that even if refunds are not shown on the text alert system, the new balance on the text alerts should. This is where the fuzzy math comes into play. By hiding the true value from the alert system, the whole purpose of the alert system is circumvented. I have no desire to go back and forth with this company indefinitely. Unless I am mistaken, there should be more complaints of this nature against company or they have, should learn from the error of there ways. This is a matter of principle. I contend I had to suspend my direct deposit to protect my money. Other wise I would be in the hole - $112.00 I await further instructions for both parties regarding submission to the Revdex.com / Arbitrator on the financial timeline on this account on the days outlined in my last response. This is my first step in shedding light to this situation, before State and Federal agencies are brought in.
Sincerely,
[redacted]

Revdex.com Response     Complainant:               [redacted]            Complaint...

ID:                               [redacted]                      Program:                                      Wired Plastic                 Cid:                              [redacted]   Initial Response:        September 6, 2017                 We have reviewed Ms. [redacted]’s complaint relating to the closure of her card account. Ms. [redacted] claims that when she called customer service she was told her account was closed because she “had broken cardholder policy.” We researched the closure of Ms. [redacted]’s card account. Our records indicate that her card account was closed on July 12, 2017, by the Bank. Pursuant to the cardholder agreement the Bank has the right to cancel, repossess, or revoke a card account at any time without prior notice subject to applicable law. We issued Ms. [redacted] a check for the remaining balance on her card account. She claims she requested to speak to a supervisor, and a call back request was made. On July 17, 2017, a supervisor attempted to call Ms. [redacted], but was unable to reach her at the number we had on file. We apologize to Ms. [redacted] for any inconvenience this may have caused her.

We reviewed Mr. [redacted]’s
complaint. In our previous response, we reported that we charged back a
transaction from Walmart Mr. [redacted] believes he did not make. On January 29,
2016, Walmart second presented the transaction claiming that Mr. [redacted] entered
into the transaction. As a result, Walmart took the money back from Mr.
[redacted]’s card account. We have since provided a credit for the money Walmart
has taken from his account.
Mr. [redacted] asserts that he uses text alerts to
manage his card account. We are pleased that Mr. [redacted] takes advantage of this
convenient feature. Text alerts are a useful tool, unfortunately, there is not
a text alert for every possible transaction that could affect his card account.
However, as we have explained to Mr. [redacted] all transactions are disclosed on
the cardholder website. In addition, there is a mobile app he can use to view
all transactions on his card account.
Mr. [redacted] asserts that Walgreens used to manage and
service this card program. To be clear, Walgreens distributed the cards, but it
did not manage or service the program. The same bank and company that issued
and serviced the cards while Walgreens was selling the cards is the same
company that is now issuing and servicing the card.
This issue was created by Walmart. We are trying to
assist Mr. [redacted] to resolve it. We do not receive the money that Walmart took from
Mr. [redacted]’s card account.
We have contacted Mr. [redacted] to explain the process
to him, but have only been able to leave a message. We thank Mr. [redacted] for using
the Exact Prepaid MasterCard.

Complaint: [redacted]
I am rejecting this response because: This response is an insult to my intelligence!  All of my transactions are in sequence and I can account for each and every penny. I made no transaction on the day in question and the idea that a merchant has the ability to FORCE a transaction through with a debit card is ludicrous! The way 'debit' cards work is that you have to have the funds available or the transaction is declined. This is creative mathematics and I will go so far as to say it's outright FRAUD! To insinuate that I expected an immediate refund to be posted to my account is to add insult to injury. I am a Federal Supervisor with the oversight of close to 50 individuals. The point is I am not STUPID! I never had these problems as long as Walgreen's was connected to this card. This is a new company with outrageous fee's.  Walgreen's now has no connection with this new company, and I can clearly see why. I elect to go to binding arbitration because this is more than being cheated out of $58.00 This is about principle!     
Sincerely,
[redacted]

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

Revdex.com Response     Complainant:             [redacted]   Case Number:             [redacted]   Program:...

                   One Global - Wired Plastic                   Cid:                              723283              Initial Response:        January 25, 2018   We reviewed Ms. [redacted]’ complaint. Ms. [redacted] alleges that she has had money stolen from her card account.   Ms. [redacted] alleges that on January 20, 2018, she attempted to use her card, but her transaction was declined for insufficient funds. She checked her account online and saw that she had a negative balance, but she believed that she had funds on her card account. She contacted customer service and was advised that she did have a positive balance and that there was a system error. We contacted Ms. [redacted] on January 23, 2018, and advised her that we had discovered the cause of the error. We have removed that code that was causing the discrepancy in the balance display. We also reversed two customer service fees associated with this issue and a monthly fee as a courtesy to Ms. [redacted].

Complaint: [redacted]
I am rejecting this response because: This is either a fraudulent company or there is voodoo transactions going on behind the scenes with one or more individuals. I also plan to contact the 'Georgia Department of Law - Consumer Protection Unit.' While it does appear that a credit of $60.00 (approximately)was returned to my account on or around January 25, 2016 I had to make a small purchase to have it reflected on my text alerts. Knowing the history of my experience with this company I chose to stop my automatic Federal Government payroll deductions starting this current pay cycle. THANK GOD I DID!
Carefully monitoring my text alerts Here is the transaction record: 1/16/16 a transaction in the amount of $215.45 was approve. Leaving a balance of $2.31 (This is where it get murky and transactions took place behind the scenes that did not reflect on my alerts leading me to contact the Revdex.com. Subsequently though showing a balance $2.31 I made a [redacted] DVD rental for $2.14 on 1/28/16 at 12:45 pm which showed I had a balance of $57.85 (IT'S A MIRACLE!) That same day 1/28/16 I made a purchase of $16.36 at the [redacted] which left me a balance of $41.49. I promptly went to the [redacted] ATM and withdrew $30.00 for a total fee transaction of $35.45 which left me a current balance of $8.77. I should have a balance of $8.77 as of 1/29/16 @ 8:55 am (Minus fees)
I sought to make a purchase of $7.00 this morning at [redacted] Grocery Store (1/30/16) the transaction was denied. Then I sought to have the amount be lowered to $5.00 and again it was denied. I called the automatic system for my balance (Which is a fee - really?) and my balance is NEGATIVE -$112.00
This company needs to be on the next episode of 'American Greed!' Here is how their scam works. They have transactions that do not appear on the alerts / text system. (When someone as I shine a light on them they come up with some [redacted] and [redacted] story of how Walmart 'FORCED' a transaction through, so are they now going to say that the [redacted] ATM forced a transaction to be posted in the amount of -$112. but called me and the Revdex.com about how they were able to get Walmart to see the error of their way) Once these hidden transactions are done on this company's part they can adjust the figures anyway they want as what goes on behind the scenes do not appear. Then the Exact Prepaid Master Card people wait for the a 'Direct Deposit' to hit, and withdraw t those funds leaving a lesser amount for the customer. Perhaps because of the small percentage who complain, these illicit transactions, no doubt which can amount to God only knows how much? But I would not be surprised that the amount could potentially reach in the millions. Are successful and come up with a dog and pony show reason why these figures don't match
With all due respect, Exact Prepaid Master Card picked the wrong customer to defraud! (No wonder Walgreens parted ways with these people!) Let bring this to light! Please explain to me and the Revdex.com and the Georgia Attorney General how my account was credited $60.00 a few days ago and now is negative in almost double the amount that was credited? If Mr. Chris T[redacted] wants this case resolved, this company will now pay me, $112 for my account. This is only fair and just seeing that this company would have absconded
with $112 once my direct deposit hit thus hopping my Revdex.com case was dismissed and recouping their refund. I also would like Walmart to be brought in and see if they did in fact credit my account $60.00 or if this is a fabrication? If it is, then I contend fraud has been committed to the Revdex.com as well based upon misrepresentation of material facts. This case needs to be presented to the FFC , the FBI and to Judge Judy on national television, (Which may not be a bad idea?) This company has 7 days to credit my account $112 or I will proceed with all of the above actions! Once my account is credited the above figure, I will close my account and be done with Exact Prepaid Master Card. If these actions that I am requesting are not agreed to, then I will proceed with legal means at my disposal for recoupment, including court and lawyer fee's!

Sincerely,
[redacted]

We reviewed Ms. [redacted]’ complaint. She alleges that she
had a poor experience when she called into customer service. We went back and listened
to the calls. Based on that review, we believe Ms. [redacted] was treated fairly and
courteously. As Ms. [redacted] requested, we closed her card account, and we...

mailed a
balance refund check to her on January 29, 2016.

Revdex.com Response     Complainant:             [redacted]            Complaint ID:                           [redacted]                      Program:                                    Wired Plastic                 Cid:                            [redacted]   Second Response:      September 8, 2017     We have received Ms. [redacted]’s response. As we explained to Ms. [redacted] in our previous response, pursuant to the cardholder agreement the Bank has the right to cancel, repossess, or revoke a card account at any time without prior notice subject to applicable law. The Bank chose to cancel Ms. [redacted]’s account at its discretion in accordance with the cardholder agreement. If Ms. [redacted] wishes to contact the Bank regarding the closure of her account, she can do so at 1(866) 271-1623.

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Address: 5711-F Bramblegate Rd., Greensboro, North Carolina, United States, 27409

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