Ready Funds

My card was cloned and almost $1000 was withdrawn within a 24 hour period. I reported it the next day, and 45 days later got a letter stating "no error occurred"! How is it that I could not get more than $250 withing a 24 hour period, but a thief could take over $950 out of 3 different ATM? Ready Fund$ only wants to make monet, and not follow through on investigation.

In response to the complaint ID [redacted] : · The cardholder filed a dispute on 4/26/· Regulation E for dispute resolutions was followed · A PIN is required for ATM withdrawals, and prevents withdrawing funds at the ATM from a card stolen from a purse Please let me know if you need more information Sincerely, [redacted] ***

Complaint: [redacted] I am rejecting this response because: I believe that Regulation E and "Unauthorized electronic funds transfer" states to limit the liability on a lost card is up to $50 if the card is reported as lost within 2 business days...which it was less than 24 hours later. Regulation E as I believe, also states that you must provide provisional credit, in which you did not do. Regulation E applies in my favor, regardless if a PIN was used because you were notified within 24 hours and have proof and documentation that it was not an authorized transaction. Sincerely, [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meAlso, I did check and see that there was atms that I could use that would not charge my card and I have used atms
before that did say I would get charged for taking money off my cardBut, not once for the money that was charged on my card did I get an alert saying I would be charged and the atms on their site did say I would not get charged a fee for using them but yet I got charged anywayIf they're gonna charge my card after their site says that certain atms won't charge my card and I get charged anyway, then they need to fix their site to be more accurateIt's just bad business if they have atms on their site that won't charge and I get charged anywayAnd again, I have gone to atms that did say I would get charged, but the atm I used was on their site as one of the atms that wasn't supposed to charge me and the atm I used didn't say it either.
Sincerely,
*** ***

Initial Business Response /* (1000, 5, 2015/12/14) */
Hello,
You can go into any bank that accepts MasterCard and get a free teller cash advance after each payroll.
We will contact you by phone to speak to you as well.
You can always reach us using email:
[redacted]@readyfunds.net
Thank...

you,
ReadyFunds
Initial Consumer Rebuttal /* (2000, 8, 2015/12/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)

See attached.

Complaint: [redacted]
I am rejecting this response because:
I believe that Regulation E and "Unauthorized electronic funds transfer" states to limit the liability on a lost card is up to $50 if the card is reported as lost within 2 business days...which it was less than 24 hours later. Regulation E as I believe, also states that you must provide provisional credit, in which you did not do. Regulation E applies in my favor, regardless if a PIN was used because you were notified within 24 hours and have proof and documentation that it was not an authorized transaction.
Sincerely,
[redacted]

In response to the complaint ID [redacted]:   ·         The cardholder filed a dispute on 4/26/2017. ·         Regulation E for dispute resolutions was followed.  ...

·         A PIN is required for ATM withdrawals, and prevents withdrawing funds at the ATM from a card stolen from a purse.   Please let me know if you need more information.   Sincerely,   [redacted]