Plastyc, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I faxed what they wanted since 2/**/and I have attached proof that the fax was successfully sentI had to pay for the fax and I am not sending it again.I was told it would take five business days for the account to be removed from the holdThey also say on their website that they respond to emails within hours but I have sent numerous emails that have yet to be responded to.So don't believe that they are sincere in what they are saying because they are not.I want them to close the account,refund my money that's not associated with the deposits and send the funds back to the *** so my customers can receive the money from the *** so they can pay me for job.Upside can go to hell
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

What are you talking about, the card was stolen and a new card was issue If you notice the transaction was made in another state I do not live in another state I live in California So you are accusing me of something I didn't do On the card, I was owe money and before the money was even issue to me, the card was closed Of course I am not paying any money back because I don't owe you any money YOU OWE ME MONEY!!! I would like my money before the card was closed by your companyWhat a joke, you took fees out my account and now your stealing my money!!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We recommend that *** *** contact the Risk Team directly at ###-###-#### - this is the team that would receive the fax and who we have requested the expedite from. The number on the back of the card is customer service, who will only know about the status of a release hold once the internal Risk Team has posted it to the account. Again, we apologize for this inconvenience

*** *** has now been told on multiple occasions (email, phone and physical mail) that her disputes have been denied after researching the disputes with the merchants and ATM providers. We have closed her account due to this misuse and sent a letter from our issuing bank, MetaBank. The
disputes were denied due to ATM use immediately after funds were loaded onto the card ($and $222.67). There was no PIN attempt made (i.esomeone trying an incorrect PIN), no PIN query made on the IVR, and no further attempts were made once there was not enough funds on the card to make an ATM withdrawal. As well, *** *** stated that she never lost the card and has had it in her possession. That being said, temporary credits were initially given for the disputes and *** *** spent those funds. She is not "out" any money as she spent the temporary credit funds - when the temporary credits reversed, the account went into a negative balance. We are not asking *** *** to reimburse our bank for those funds that she spent and will not pursue any further reclaimation. We are considering this matter closed

We apologize for any inconvenience this hold on *** ***'s account has caused. We received a call from the *** ** police department regarding *** *** contacting them about fraudulent checks being written off of this account. We do request *** *** fax the information to release
the account as verification that it is not someone else trying to use her account. We have expedited the request to release the account to our Risk Team who would receive the fax (our agent misspoke - it takes hours for a *** call back and up to hours to release an account after verifying the sent documentation). We recommend that *** *** contact the Risk Team directly at ###-###-#### if she has any further questions on her documentation

*** ***' account was credited the full amount of $on 12/** (perhaps after she called). The reason why her account had been marked potentially fraudulent was due to the fact that within the system, it noted that there were returns of $(one in which *** "advised" our system
that the hold should be removed and then another where *** actually made a "purchase return"). This caused what is called an "excessive credit" flag and marked the account. When *** *** called in, the account what released. We apologize for any inconvenience this caused *** ***. As a note, *** *** included sensitive information such as full card number and last four SSN in her complaint. If possible, we recommend that her complaint be removed or not made visible to public for her security

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 and the matter has been resolvedMy money was returned to my account this morning so I'm happy
Sincerely,
*** ***

We understand *** ***s frustration but unfortunately we are not able to refund the $as the transactions went through as purchases to ***. *** *** will have to speak with *** directly to cancel those PINs and refund her card, just like if returning goods in a store.
But, if *** *** would like to add those minutes to the recipient cell phone, the following three PINs can be used from *** so she is not "out" of any funds - *** *** ***. *** *** has also been advised via email

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
My request has not been expedited and when I called AGAIN today to speak with someone-they provided no information and said I would have to wait an additional hoursI requested a call back from a *** yesterday and as of 10:15am EST, there has been no call backUpside is unable to confirm a fax has been receivedVery poor business service and an additional complaint has been filed with the FTC for questionable business practices as I have provided the required information and UPSide continues to hold my money.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We are mandated by [redacted] and our issuing bank to review any and all purchase returns on accounts in which a purchase was never made.  It is best practices in the financial industry that any credit to an account (in this case called an excessive credit) that we need to see the purchase receipt in...

order to allow the credit.  This cardholder in fact had two of these purchase returns on his account for which he cannot provide the purchase receipt.  In order to release this account, the merchant will have to force a purchase transaction to remove the funds from the account ($200 and $450).  We apologize that this is an inconvenience but we are not able to release the account until that time.  If the cardholder has any further questions, he can contact [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[redacted] can not give me a refund because the transaction was not made through their payment center and [redacted] card can not give me a refund until I find the Authentication Key that was used when the transactions  went through. Here are the 3 codes  [redacted]  [redacted]
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

[redacted] is not missing any funds on his account.  On 3/* there were indeed two "purchases" from [redacted]'s Sales, both of which were in pending status on that date.  One of the purchases dropped off the account on 3/* and the other cleared as a final posted purchase on 3/*.  We have...

attached the dates in question showing that there is only one final purchase on [redacted]'s account and the running balance is correct.  We apologize if our agent misspoke and will make sure to retrain that agent on pending/posted transactions.

It could possibly be that the funds will be returned tomorrow. But the fax was logged on 10/* (Monday) and 10 business days from that date is 10/**. We will do all we can with the chargebacks team to expedite this request for [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:

I would just like a refund
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We are regulated by the federal government to no longer allow tax returns on prepaid cards that are not in the cardholder's name.  These multiple loads need to be returned to the [redacted].  This can take up to 8 weeks for the [redacted] to complete.  Do to this activity, we must receive the...

cardholder's ID, SSN and utility bill to release the account once the funds are removed.  There is no memo on the account that a fax has been received.  Please fax this to ###-###-#### for verification.  We have reversed the $0.99 monthly fee that was charged for March.

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 and the matter has been resolved.
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:

[Your Answer Here]
This person who is writing the Revdex.com is not understanding the issue.  There was an Amazon credit to the account.  When I look to get my money from the Amazon deposit, the account was negative.  If you do not owe me nothing, why is my account in negative balance, why is not in zero balance.  Why did I not receive my Amazon funds???? That money is not yours but mines, even the agents were confused because they even said, the account went negative all of a sudden when the day before it was a credit on my account.  This makes no sense. I have documents from your company crediting my account so why is it negative????? You accused me of a dispute when charges were clearly made in another state. How can I make these charges when I live and work in a different state??? You are not addressing the issue and not telling me on why I was not able to obtain my money when the account was positive with a credit: 09/**/14 Credit Amazon.com Marketplac +$69.47.  If I do not owe any money, why was I not able to obtain the funds which was the last deposit.  I want my money that belongs to me which is $69.47.  This company is clearly ripping me off. If you are confused, please have someone works on this matter, thank you!!
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

After reviewing this account, it appears that all issues have be rectified.  [redacted] had received the forms but was unaware when she contacted us.  All four disputes have been initiated.  And though the full dispute process can take up to 120 days, [redacted] should receive...

temporary credits within 10 business days (from receipt of the dispute forms on 3/**).  Please note that these credits are only temporary and may be reversed if deemed undisputable after the full dispute process is complete.  The $30 express shipping fee and $9.95 card replacement fee were already reversed per the terms and conditions.

We understand [redacted]'s frustration but we are regulated by [redacted] to follow their dispute process.  As the transactions were still pending, we can't dispute them as they may "drop-off" the account.  The $3.33 purchase did just that.  We have initiated disputes for the other three...

transactions and have emailed [redacted] a dispute form to use in order to complete the dispute.  Please note that the dispute process can take up to 120 days to complete but [redacted] should receive temporary credits within 10 business days.  Please fill ou the form for each transaction in order to expedite the process.