The Bancorp Bank

This letter is in response to the concern you raised with the Revdex.com regarding your Bancorp HSA The account records indicate that per your request a rollover check for $2,was mailed to BMO [redacted] on January 13, It is our understanding that the check has not been received by BMO [redacted] Bank In light of this, per your request, a new check was mailed to your home address via overnight delivery on February We apologize for the inconvenience you experienced We have been unable to determine the reason the first check was not delivered As of today, the check has neither been returned nor cashed We trust this information addresses this matterPlease contact us with any additional questions

Good afternoon, *** Attached please find the customer response letter for Ms [redacted] If you have any questions please feel free to contact me Thank you 73, 125);">

Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you for looking into this matter Regards,

This letter is in response to the concern you raised with the Revdex.com regarding your My Smart Saver Health Savings Account You expressed concern that you only recently received your Form 5498-SA from the BankWe have reviewed the complaint and our findings are summarized below Each year, the Bank is required to produce two tax-related forms for HSA customers: Form 5498-SA that you just recently received and Form 1099-SA We complied fully with the specific timeframes required by the IRS Form reports all contributions into your HSA for the prior tax year Per current regulations this form must be mailed annually to each HSA customer by May 31st for the prior tax year HSA custodians are required to wait and send this form in MayKeep in mind that individuals may continue to contribute prior-year contributions into a health savings account right up until the April tax filing deadline Therefore, financial institutions cannot possibly send the form any earlier without the risk of missing potential contributionsAll account holders receive this form in May and it is simply used for record-keeping and reporting to the IRS It is not a required form for filing your taxes Form 1099-SA is mailed annually to all HSA customers by January 31st This form reports all distributions from the HSA for the prior tax year This form would not be mailed if there were no distributions from the account in the prior year Please note that per IRS guidelines and banking regulations we provide copies of these forms to the IRS Strictly speaking, you are not required to attach physical copies of either of these forms when you file your taxes Contribution and distribution totals that you need when filing your tax returns are housed on your online banking accountYou can also easily obtain the information by calling our 24/customer service toll-free number In addition, our website contains updated tax-related information which includes details about when customers can expect to receive these tax reports Please view [redacted] and select “HSA Resources.” From there, you will find valuable information you can use for future reference I hope this letter explains the timing of the reports and how we furnish you with copies according to the current reporting guidelines so you may have them for your records If you did not receive your form 1099-SA please contact Customer Service at [redacted] *n order to request an additional copy We apologize for the inconvenience you experienced We trust the information provided above addresses this matter Please contact us with any additional questions

Good afternoon, *** Attached please find the customer response letter for MrHarris If you have any questions please feel free to contact me Thank you ***This letter is in response to the concern you raised with the Revdex.com regarding your Univision MasterCard Prepaid CardWe have reviewed your complaint and our findings appear belowOn June 7, you called Customer Service for Univision, the program manager, to report your card lostDuring that call you also opened a dispute claim for two transactions that took place on June 6, in the amounts of $1,and $On June 17, your Univision account was blocked due to suspicious transaction activityWhen you called Customer Service that day you were asked to provide copies of your photo ID, Social Security card and a proof of address document from within the past daysThe documents were received on June 21; however, the Risk Department advised Customer Service on June that although the photo ID and Social Security card were acceptable, the proof of address document was not and a different document was neededThe block remained on the accountOn July 3, provisional credit was posted to the account for $1,This total represented the $1,and $transactions minus the $customer liability disclosed in the Cardholder AgreementA letter was sent to you on July to advise you of the credit, and a second letter was sent to you on July confirming that the credit was permanent and the dispute claim was closedAfter additional review of your account activity was completed, Univision permanently closed your account on July and sent you a letter explaining the decisionOn August 8, you called Customer Service and were given details regarding the closure of the accountThat was the last communication you had regarding the account with either Univision or Bancorp until we received your Revdex.com complaintThe balance remaining on the account is now $1,In order to fulfill your refund request, valid copies of all the verification documents are required (photo ID, Social Security card and a proof of address document from within the last days)We apologize for the inconvenience you experiencedIt is always regrettable when we must close a customer’s account; however, at times it is the most prudent action to help ensure the safety and soundness of the customer networkWe hope this information is helpfulPlease contact us with any additional questions

[redacted] RE: Your MyVanilla Visa Prepaid Card [redacted] This letter is in response to the concern you raised with the FDIC and the Revdex.com regarding your MyVanilla Visa Prepaid Card We have reviewed your complaints and our findings are summarized below [redacted] , on December 26, The Bancorp blocked your account due to transaction activity that was considered suspicious You were advised that a refund check would be mailed for the full balance, once valid copies of your driver’s license, social security card, and proof of purchase was received A review of your account shows that you called Customer Service numerous times stating that you had already submitted documentation to InComm and Bancorp Unfortunately, we have no record of ever receiving these documents at The Bancorp However, on January 27, some of the requested documents were received at InComm They informed you that they needed all of the requested items The remaining documents were not received at InComm until April 11, Bancorp reviewed the submitted documents and gave InComm the approval to send you a refund check InComm processed the refund on April 23, in the amount of $5, A check has been sent to the address InComm has on file for you [redacted] , we apologize for the frustration and inconvenience this has caused It is always regrettable when we close a customer’s account, but sometimes we must make that decision as part of our commitment to protecting the overall safety of our customer network We hope that this information is helpful Please contact us with any additional questions

[redacted] This letter is in response to the concern you raised with the Revdex.com regarding your Univision MasterCard Prepaid Card We have reviewed your complaint and our findings are summarized below On June 19, 2014, Univision, the program manager for your card, placed the card into blocked status for security reasons, i.e., your recent pattern of the load transactions caused this action That same day, you were advised by a Univision phone agent that in order for the block to be removed you needed to provide valid copies of your photo ID, Social Security card and a proof of address document dated within the previous days On June 20, you submitted copies of a photo ID and Social Security card to Univision, but they have not yet received a valid proof of address dated within days of when it is submitted After a review of the photo ID and Social Security card Univision has determined that they cannot accept them due to some non-matching aspects in the documents A refund check cannot be mailed to you until you provide acceptable verification documents as well as the proof of address document Univision has made multiple attempts to contact you by phone (most recently on October and 13) and left voice messages informing you that a current proof of address document is needed When you have obtained the requested document please fax it to Univision at [redacted] We apologize for the inconvenience you have experienced, [redacted] *** Pursuant to our obligations under the Bank Secrecy Act, including the USA PATRIOT Act’s Customer Identification Program (“CIP”) requirements, we have put reasonable and prudent identity verification steps in place in order to prevent financial crimes, minimize fraud and protect our customers We understand that from your perspective there may be a perceived conflict between our regulatory obligations to protect the account, and the service experience you expect Our actions are undertaken with the goal of striking the best possible balance between the two We hope this information is helpful Please contact us with any additional questions Sincerely, The Bancorp Payment Solutions Group

Good morning, *** We have executed a settlement with Ms [redacted] , and as part of the settlement she agreed to withdraw her complaint I have attached z copy of the email she sent to your office requesting to withdraw the complaint We are still working on the other complaint from Ms [redacted] Please let me know if you have any questions Thank you[redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [I reject this responseThey need to investigate more If someone stole my debit card and I reported it stolen how am I responsible ? How is there are no errors when someone stole my card that none of those transaction were mine , I think it's absurd that your " dispute" department found no errors when clearly it was someone completely different making transactions2nd I never talked to anyone on March 11th about now getting a provision credit because no government funds? That doesn't make any sense that I can't get a credit because it was a direct deposit and not government money? I never spoke to anyone about that If they did you could believe I would have complained then because that's not right Every time I contacted card customer service I was told days for provisional creditThat's not okI want my 2,it's not right I'm paying for someone stealing my money and getting away with it Please fix this it's not fair Regards,

Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [I need to know what was the date the Bancorp has sent the request to the IRS to have my tax returned? Also explain to me how the IRS is notified that my tax return needs to be sent back to them? Also why do I have to be the one to contact the IRS when its the Bancorp Bank job to do so? Also what is documented under the lead # for the IRS to know about my monies being returned to them? I need these questions answered I'm tired of getting the runaround!.] Regards,

What a poor excuse for a business!! Have waited months for a distribution check First asked to wait 7-business days for them to "process" paperwork; then the check was not mailed to the right place Found out where they sent it They asked that I wait to see if it shows up there Did not! Now they have to cut another check Again wait 7-business days We will see if it shows up this time Does anyone answering their phones use English as their 1st language?

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution satisfies my needs, but I hope that this bank does not continue to direct their calls to the Philippians knowing that they are never getting resolved if processed through this center It was almost as if they were told to blow people off in a very polite way I have never seen anything like it in my life nor has my bank Regards,

Better Business Bureau: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below First of all Mr [redacted] refers to me calling in a second time on another dayThis situation occurred all on the same day in the same call!! I spent almost hours arguing with people about this before deciding it would NEVER get resolved if I did NOT contact Revdex.comI assume once Mr [redacted] received my Revdex.com complaint he knew something was amuck, because not only was my card reactivated that day, I was also sent a personal email by Mr [redacted] that he was handling the situationI did receive the replacement card in a timely fashion, which I am thankful forHowever, Mr [redacted] never stated to me how he was going to handle the rudeness and out right blatant mistake made by the customer service representative I had encountered on that phone callShe did NOT do her job, because she did NOT listen to the customer! Again as stated in my initial complaint with you she took matters into her own hands prior to hearing my concern, if they didn't house their customer service overseas where English is NOT understood very well, then this may have been avoidedWith that said I know using overseas help is cheaper than our own American blood because those people enjoy working for pennies, us Americans know we are worth more than that I would like to know how Bancorp Bank intends to RETRAIN Current employees and TRAIN Future employees on better listening skills, so this exact situation DOES NOT happen to someone else Regards,

Good morning, *** Attached please find the customer response letter for Ms [redacted] If you have any questions please feel free to contact me Thank you ***

Good afternoon, *** Attached please find the customer response letter Mr [redacted] If you have any questions please feel free to contact me Thank you ***

This letter is in response to the concern you raised with the Revdex.com regarding your Univision Prepaid MasterCard We have reviewed your complaint and our findings appear below.On January 23, 2015, your account was systemically blocked after a suspicious credit of $from Macy’s posted to it The block was prompted because no matching purchase from Macy’s appeared on your account.On January 25, you contacted Customer Service for Univision, the program manager, who advised you to have the merchant contact its Customer Service or Risk Department to discuss the transaction.On Monday January 26, the investigation was completed and the block was removed, granting you full access to your card The next day, Univision tried contacting you by phone to advise you of the removal of the block but there was no answer.We apologize for the inconvenience and frustration you experienced In the future, please ensure that the card presented for a merchant credit is the same card used when the purchase was madeBy doing so, you can prevent future account blocks from occurring.We hope this information is helpfulPlease contact us with any additional questions

[redacted] This letter is in response to the concern raised with the Revdex.com regarding your [redacted] Financial account We have reviewed the complaint and our findings are summarized below In addition to your complaint, The Bancorp received other complaints regarding problems encountered when attempting to negotiate the checks we sent to [redacted] customers in lieu of unredeemed rewardsAs a result, we recently arranged to print and mail replacement checks to affected customers We have been advised by our Deposit Operations Team that you should receive your replacement check within 5-business days We apologize for the inconvenience and uncertainty created by the initial check We appreciate the opportunity to fully resolve your concern We trust the information provided above addresses this matter Please contact us with any additional questions [redacted] [redacted] ***

Good afternoon, *** Attached please find the customer response letter for Mr [redacted] If you have any questions please feel free to contact me Thank you ***

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 meI have tried to call the phone number back many times but it just transferred me to the main numberAt the time I was being called I was working and could not answer my phone Regards,

This letter is in response to the concern you raised with the Revdex.com regarding your PayPal Prepaid MasterCardWe have reviewed your complaint and our findings appear below.On January 9, 2015, you attempted to withdraw funds from an ATM using your card; however, the funds did not dispense and your account balance was reduced by the withdrawal amount.NetSpend, the program manager, immediately began investigating your claim and asked you to send a written letter of dispute to support your claim.On January 10, NetSpend received your dispute letter, which made you eligible to receive provisional credit to your account if the investigation could not be concluded by the 10th business day, i.e., January 26.On January 23, NetSpend posted a $provisional credit to your account and mailed a letter notifying you of the next steps NetSpend also contacted you via phone on January to inform you that the credit had posted During that call you were provided with a direct contact at the NetSpend corporate office should you have any further questions or concerns regarding this matter.We greatly appreciate your patience while the investigation is ongoing The claim is scheduled to be completed no later than February 23.We hope this information is helpful