The Bancorp Bank

Review: I received a visa promo code for completing a study through 20/20 Research. It was issued by The Bancorp Wilmington, DE. They allowed an unauthorized charge to occur. I went through their dispute process and my virtual card expired while I was waiting on them. When they finally recovered my money, they said I had to pay them $10 since my card expired. That's ridiculous. I couldn't have spent the money if I wanted to. They also debited off $0.78 for no rhyme or reason stating 2014-06-03 2014-06-03 USD (0.78) BALANCE REVERSAL PROCESS Fees CompleteDesired Settlement: I am owed all of this money IN FULL

2014-06-18 2014-06-18 USD 42.17 AUTOMATED CHARGEBACK ENTERPRISE SYSTEM Adjustment Complete

2014-06-03 2014-06-03 USD (0.78) BALANCE REVERSAL PROCESS Fees Complete

They owe me 42.17 + 0.78 = $42.95

I'm also contacting 20/20 Research about what they tried to do to me.

Business

Response:

[redacted]

This letter is in response to the concern you raised with the Revdex.com regarding your Visa Prepaid Card. We have reviewed your complaint and our findings are summarized below.

You were initially quoted the $10.00 card replacement fee since that is the standard disclosed fee for ordering a new card for any reason on this program. When we contacted you on June 23, 2014 you confirmed via email that you had contacted Customer Service again since you filed your complaint, and they have confirmed that due to the circumstances you will not be assessed the $10.00 card replacement fee.

You advised us that you consider this matter resolved and that you are satisfied with the resolution.

We apologize for the inconvenience and frustration you experienced, and we are glad that you were able to resolve the issue without further difficulty.

We hope that this information is helpful. Please contact us with any additional questions.

Sincerely,

The Bancorp Bank

Payment Solutions Group

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. However I do want it noted that they removed $0.78 with no permission, never explained themselves, and never refunded it. I'm not going to argue with them over $0.78, but if they do that to enough people, that's A LOT of money.

Review: I had an account with Simple.com, who claims that Bancorp is their "partner bank" (whatever that means). Unfortunately, Simple closed my account abruptly without my consent, despite multiple attempts on my part to resolve my issues with them.

On 2/10/2014, my Ohio tax refund posted to my Simple account first thing in the morning. That evening, Simple informed me that they were unable to accept my state tax refund because it was made out to both me and my husband Timothy. By this time, half the money had been spent. When I called Simple and spoke with Emily, she advised me to (1) rush to an ATM and withdraw the remaining balance as quickly as possible, allowing the account to overdraw, and (2) do the same thing when my IRS refund posted to the account (her exact words were "move the money out of the account as quickly as possible"). She advised me to wait for the State of Ohio and the IRS to process the rejected direct deposit and mail me checks, then cash the checks at another bank, then get a money order and deposit that to the Simple account.

So I moved as much of the money out of the account as I could, as advised by Emily on 2/10. This left the account overdrawn by $2502 (the amount of my IRS refund).

When I contacted the IRS, they said it would take 6-8 weeks for them to receive notice of the rejected direct deposit, process a paper check and mail it. Adding an extra week for me to deposit the check to another account, wait for it to clear, and initiate a transfer to Simple, that makes 7-9 weeks a reasonable timeframe to resolve the outstanding balance. In the meantime, I made sure that my regularly-scheduled monthly direct deposits continued to go into the Simple account on the 4th Wednesday of each month (2 monthly deposits of $723 and $168, for a total of $891/mo.). So far I have repaid $1782 in good faith, leaving a balance of $720.

On 3/19, I received an email from Robyn informing me that my account had been FROZEN due to "a large negative balance". By this time I had partially paid the negative balance, leaving $1611 due. Robyn threatened to send the account to collections and file a negative report against me with the consumer reporting bureaus if I did not pay the balance, but failed to provide a due date for the payment to be made. When I reminded her of the 6-8 week time frame provided by the IRS, she informed me that "The typical time frame for paying back a balance would be 50 days, which is about 6 or 7 weeks" and refused to extend that time frame.

On 4/7, I attempted to set up my PNC checking account to do a bank-to-bank transfer, so that I could finally pay off the $720 balance to Simple. Rather than allowing the initial trial deposit and withdrawal transactions from PNC to go through, Simple rejected them on 4/10, CHARGED OFF the remaining negative balance, and CLOSED THE ACCOUNT with NO NOTICE.

When I emailed Customer Service on 4/10 asking for an explanation, I received NO RESPONSE for several hours. Finally, that evening I was informed by [redacted] that because my account was charged off and closed, Simple would no longer accept my offer to repay my balance by electronic transfer. [redacted] also said that my monthly direct deposits scheduled for 4/23 would be rejected... which made NO SENSE because the deposit would be more than enough to cover the negative balance!!!

[redacted] insisted that my only option to repay the remaining balance was to mail a check to its "partner bank", Bancorp, at:

Bancorp Bank

Attn: Deposits

P.O. Box 15339

Wilmington, DE (no ZIP code was given)

This is suspiciously similar to the mailing address Robyn previously gave me for Simple itself (P.O. Box 15329, Wilmington, DE ).

[redacted] instructed me to include "a note explaining the repayment of a charged-off account with your account number." I insisted that I would not mail a check to some random P.O. box and HOPE it got handled correctly, when all Simple had to do was re-open the account and (1) let me initiate a transfer from PNC, or (2) accept the regularly-scheduled direct deposit on 4/23.

On 4/11 (today), [redacted] kept insisting that re-opening the account and accepting a deposit was not an option... until I demanded that he give me the phone number to speak with someone at Bancorp so that I could resolve the debt directly, since [redacted] obviously lacked the authority to resolve the problem. Within an hour, [redacted] emailed me saying, "I've spoken again with our partner bank and they have agreed to keep the account open until your direct deposits arrive. Your card will remain blocked until then. At that point, the chargeoff will be recovered. We can unblock your card and you can withdrawal any left over funds. Then we can close the account. This will prevent collections and a Chexsystems report."

WHY DID I HAVE TO ARGUE WITH [redacted] FOR 2 DAYS TO GET THIS RESOLVED??? And why was [redacted] so reluctant to give me the phone number for Bancorp if they are Simple's "partner bank"? Something dishonest is going on here.Desired Settlement: Because Simple/Bancorp CREATED THIS PROBLEM in the first place by their MISMANAGEMENT OF MY TAX REFUNDS, and their ongoing REFUSAL TO NEGOTIATE reasonable payment arrangements, I would like a personal apology. In addition to an apology, I am filing this complaint to ensure that Simple/Bancorp follows through with their promise to (1) accept my direct deposit on 4/23; (2) unblock my card to allow me to withdraw the remaining funds; (3) confirm to me in writing that the debt is PAID IN FULL and that I have no further obligation to Simple/Bancorp; and (4) confirm that NO ADVERSE INFORMATION will be reported to ANY CONSUMER REPORTING AGENCY regarding my account, EVER.

Business

Response:

[redacted]

This letter is in response to the concern you raised with the Revdex.com regarding your Simple account. We have reviewed the complaint and our findings are summarized below.

The terms of the Simple account specify that third party deposits are not accepted. Accordingly, when your account received an electronic deposit for a state tax refund in the amount of $453.00 on February 10, 2014 that included a third party’s name, your were notified by Simple that the item would be returned to the remitter. The item was returned to the remitter on February 11, 2014.

In the same email notification from Simple you were advised that if you also had a federal tax refund deposit coming to the account it would also be returned if it was payable to you and a third party. A direct deposit from the IRS in the amount of $2502.00 was presented to the account on February 12, 2014. It was returned to the IRS on February 14, 2014.

You completed a number of transactions during this period, including a debit in the amount of $2000.00 on February 12, 2014. Consequently, when the federal tax refund was returned to the IRS on February 14, 2014 it created a negative balance in the amount of $2502.00.

When we inquired with Simple about whether a phone agent might have prompted you to quickly withdraw your funds before the restriction was placed on the account, the agent’s recollection was that she had provided this recommendation as an “emergency” fix. This was an obvious departure from standard procedures, and we have communicated to the Simple management team that advising a customer to knowingly overdraw her account is not an acceptable method of account management.

We have allowed a number of subsequent deposits to post to the account, and as of April 24, 2014 they resulted in moving the account back to a positive balance of $171.73. You withdrew this amount from the account on April 25, 2014, and on that same day the Bank processed the recovery for the amount of $719.27 that was charged off on April 9, 2014. The charge off was processed due to a regulatory requirement that precludes us from carrying a negative balance for more than 60 days. Because we anticipated the ability to recover these funds the account was not closed. Consequently this situation will not generate any type of derogatory reporting. If you wish to close the account you may contact Simple at your convenience.

We apologize for the frustration and inconvenience this caused for you, [redacted]. Shortly after this occurred we were able to approve and implement a new policy regarding the receipt of tax refund deposits that are made payable to our customer and a third party. It is unfortunate that the solution was developed after you had already been inconvenienced, but we did want to let you know that we took your situation and your input very seriously. We truly regret your unfortunate experience.

We trust the information provided above will address this matter. Please contact us with any additional questions.

Consumer

Response:

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

Review: I have been trying to close my account with The Bancorp Bank for 3 months and have had numerous phone calls and faxed numerous documents in order to close this account. I supplied all the necessary paperwork to close the account but each time I attempted to close the account I never got a confirmation that it was closed nor any notification it could not be closed. Upon calling back, I would be told that I needed to give additional paperwork and then the process repeated itself. The company also had certain time lines for when documents would expire, but I was not told of any of these timelines during phone calls which would further delay the process.

I have had over 5 phone calls and connections with 3 agents trying to close this account but to no avail. Each time there is no activity on this account the bank charges me a fee so at this point I have never used the funds I put into the bank and they have been dwindling while this company drags out the closing process. They do not assume responsibility for their lack of communication or assume responsibility that the closing process being this long as a result of their poor service. This bank duped me in their "inactivity" policy in which they deduct funds and then have been making it painstaking and impossible to close my business with them thus appearing that they are taking advantage of their consumers and offering a fraudulent service.Desired Settlement: I want this bank account closed and I want a refund for the full amount in the bank account which was $50.

Business

Response:

[redacted]

This letter is in response to the concern you raised with the Revdex.com regarding your Bancorp Bank checking account. We have reviewed the complaint and our findings are summarized below.

We received your written request to close your account on October 18, 2013. The letter was attached to an internal closure case and forwarded for processing. On October 23, 2013 an agent from our Fulfillment team attempted to contact you by phone due to a security status on the account. There had been returned mail from your account recently, and we needed to resolve that status before processing the account closure so we knew we were sending the balance refund check to a valid, verified address. The agent left a detailed voicemail message confirming that we needed two different items to verify the current address on the account.

On November 4, 2013 you called Customer Service to confirm what documents were acceptable for address verification. You advised our agent that you would be faxing copies of your electric bill and current lease. Our Fulfillment team mailed a follow-up letter to you on November 15, 2013 advising you that we had not yet received the documents. On November 25, 2013 we received a cable bill and the lease agreement. The lease agreement was outdated and was therefore not accepted.

The Fulfillment team mailed a final follow-up letter to you on December 9, 2013 reminding you that we still needed one valid proof-of-address document. On January 13, 2014 you submitted a current cable bill as the final verification document. This document was accepted and the security status was removed from the account on January 15, 2014.

A review of the account confirms that the account closure was processed by the Fulfillment area on January 23, 2014. It would appear that the agent who processed the closure misfiled the paperwork, so it was not forwarded to management per the normal procedure. The closure paperwork was discovered on March 27, 2014 during an internal audit of pending account closures. The paperwork was immediately forwarded for processing.

During the period between January 23, 2014 and March 27, 2014 we had received additional returned mail for your account. Rather than delay the closure further we had an agent from our Security area contact you by phone on April 2, 2014. He was able to verify the current address and remove the security status that was triggered by the returned mail. He also confirmed with you that we would reverse the two inactivity fees that had been assessed to the account after we received your closure request in October 2013. These fees were reversed and a total of $9.90 in credited fees posted to the account on April 3, 2014.

The Bank then processed a treasurer’s check in the amount of $30.20 to refund the final balance of the account to you. The check was mailed to the verified address on April 4, 2014.

We apologize for the inconvenience and frustration that you experienced regarding the account closure, [redacted]. We truly regret the unusual delay you experienced due to our internal error. We have already been able to update an internal process based on this investigation, and we will continue to review this matter as part of our standard root cause analysis.

We trust the information provided above will address this matter. Please contact us with any additional questions.

Consumer

Response:

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

Review: I ordered a reloadable debit card from card.com and have yet to receive it over a month later. I have reached out to the company twice and have not received any response.Desired Settlement: I would just like to receive my debit card as ordered.

Business

Response:

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

Review: We had our HSA at Bancorp Bank. After receiving multiple charges and slow service we decided to transfer to a bank in Madison where the employees are VERY responsive to our needs and no charges. Our new bank, BMO [redacted], was required, by Bancorp, to fax our request to rollover the Bancorp money to our HSA, BMO [redacted], account. The fax was sent to Bancorp on 12-30-2014. It is now 2-15-2015 and the money has not been sent to BMO [redacted].

Bancorp closed the account on 1-12-15 and charged me $20 to do so. They said the transaction time would be 4 weeks, which is a VERY long time for an EFT. When I called asking why BMO hadn't received the EFT, Bancorp said they have 6 weeks to send the money to the new account. I complained, I need that money to pay for my husbands medications, and they gave me a tracking number that was supposed to be used by the new bank to force the money to transfer. BMO [redacted] can not find the EFT that the tracking number was supposed to find.

I called again and Bancorp Bank finally created a "ticket" for this issue! They promised to have someone call me and I still have not received that call.Desired Settlement: I want Bancorp to rollover my money to BMO [redacted] as I requested on 12-30-2014.

Business

Response:

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 $2,150.68 was mailed to BMO [redacted] on January 13, 2015. 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 19. 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 matter. Please contact us with any additional questions

Consumer

Response:

Review: I put in a dispute for univision card services and they credited me the money but never unblocked my card after they sent a new one and then just closed my account out without me getting my money and I need Revdex.com help getting it backDesired Settlement: 2,950.00

Business

Response:

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

Review: on 9/12/14 univision which is a part of the Bancorp bank shut my account down with no authorizing from me they were claiming it was suspicious activity on my account I told them it wasn't and by my account being blocked my direct deposit got sent back to my employer,so I was able to get the block off,so I had my employer send me the money back thru the account,on the 16th and it can't returned again,and when I call univision I get the run around they cant provide me with no information about why my direct deposit keeps sending my check back and I suppose to get another check tomorrow on the 19th and that one might get sent back I can't afford to wait another week to get paid,I was never notified about my account,or anything it's not right you can just shut my account off and can't even tell me why and I can't get a straight answer.Desired Settlement: at this point I just want my direct deposit open so I can get my money and after that I will go to another bank

Business

Response:

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

Business

Response:

October 8, 2014

RE: Your Univision MasterCard Prepaid Card

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 September 12, 2014, your card was blocked because a merchant credit posted to the account without a corresponding debit. The block prevented deposits from posting to the account, which is why the direct deposit from your employer was rejected.

You contacted Customer Service for Univision, the program manager, that same day in order to discuss your concern. At the end of this call the account block was removed.

The removal of the block allowed you to use the card for purchases; however, due to an error by the Customer Service representative, access to receive direct deposits was not reactivated.

On September 19, direct deposit access was reactivated and a Customer Service agent called you to advise you that direct deposits would once again be accepted and post to your account.

We sincerely apologize for the delay in reactivating direct deposit access. Additional coaching has been delivered to the representative who made the error. Univision also posted a courtesy credit of $20 to your account on October 1.

We hope this information is helpful. Please contact us with any additional questions.

Sincerely,

The Bancorp

Payment Solutions Group

Review: My Retirement fund from my previous employer had been sent to The Bancorp Bank. I have spoke to a couple of people at The Bancorp Bank and have received different answers for fees I am being charged. The first was by a Customer Service Rep who said I was charged a $10.00 annual fee, the next was by a Manager who contacted me back which then turned out to be $20.00 fee. On another call I was then informed that I had two accounts with them. The Manager I spoke to -Never- meantioned a second account. And I was also notified that the second account had been charged fees. I have never approved, agreed or allowed The Bancorp Bank to charge fees, nor did I give permission for them to open any account under my name. Upon trying to receive my retirement funds, I was notified that I would incur additional fees. The Bancorp Bank refuses to send me a statement to show what fees they have taken out as I was told its against their policy to send out anything until the end of the year. And what they send out at the end of the year is only what needs to be reported to the IRS. I have no clue how much this company is ripping me off.Desired Settlement: I would like a refund for any fee's the company has charged me. I cannot give an exact amount because I have been given different answers to what this fee is. I do not want to be charged any fees for having my IRA distributed to me. I did not authorize them to hold my money nor did I agree for them to charge me any fees. I would also like to receive a statement so I know exactly what activity has happened to this account.

Business

Response:

February 4, 2014

Re: Revdex.com Case ID [redacted]

This letter is in response to the concern raised you raised with the Revdex.com regarding your Safe Harbor IRAs at the Bancorp Bank. We have reviewed the complaint and our findings are summarized below.

There are in fact two Safe Harbor IRAs that were opened at our bank for you. The first account was opened on December 31, 2012 with an opening deposit of $2367.07. The second account opened on April 23, 2013 with an opening deposit of $24.40. Both of these accounts were direct rollovers from previous account custodians.

The Bancorp Bank frequently inherits IRAs when a consumer fails to respond with instructions when they are notified that the previous custodian of their account is exiting from that custodial responsibility. If that custodian does not receive any type of rollover or distribution instructions from the customer, the funds are rolled over to a bank that is set up as the default recipient. In this case the Bancorp Bank was the recipient, and we accordingly set up two Safe Harbor IRAs for you.

The accounts were set up according to the terms that govern these accounts. These terms do include some fees. In this case each account was charged the initial annual maintenance fee of $10.00 at account set up. The annual fee is subsequently charged each year in the anniversary month of the account opening. In this case the account ending in 8135 that was opened in December 2012 was charged an annual fee on December 31, 2013. This fee was increased from $10.00 to $20.00 in July of 2013. The account ending in 0948 was charged the initial annual maintenance fee of $10.00 when the account was opened in April 2013. No other fees have been assessed to the accounts, and both accounts are receiving interest credits each month.

The other fees you reference in your complaint are charged only if you decide to ask the bank to move the funds to another institution. Those fees are clearly defined and prominently listed on the account distribution paperwork. We have provided a transaction view for you for each of the accounts. This shows all debits and credits to the accounts since they have been opened.

[redacted] we truly regret any frustration or inconvenience you have experienced in relation to these accounts. As a courtesy we have refunded all maintenance fees from both accounts. Since both accounts have already been closed at your request, we have enclosed a check in the amount of $45.00. If you require additional information regarding the circumstances of the account rollovers you should contact your former employer who originally opened the accounts for you.

We trust the information provided above will address this matter. Please contact us with any additional questions.

Review: I have been trying to close a ira acct for several weeks. This was from a previous 401k that I had from work. It was transferred to them as I am no longer employed from that company. I have been giving the run around from them. I send requested documents and they in return tell me they didn't receive them. I sent them via email and fax and then email again. I unfortunately did not keep verifications of the 1st 2 transactions. This was because I didn't feel the need to keep them. I did keep the latest confirmation of my email being sent.Desired Settlement: I just want them to release my funds without a bunch of closing etc.. fee's that they say are associated with closing my acct. Not only are they prolonging this transaction(my opinion), but they are trying to include multiple fees to get my funds.

Business

Response:

Good morning, [redacted] I've attached a copy of the complaint response letter we mailed to [redacted] regarding his complaint. We believe this to be fully resolved. Please let me know if you have any questions. Thank you.[redacted]The Bancorp

Review: My money did not dispense out of an ATM using the paypal prepaid debit can paypal will not refund my money.Desired Settlement: I would like my money credited back on my card while the investigation is underway.

Business

Response:

Dear [redacted] This letter is in response to the concern you raised with the Revdex.com regarding your PayPal Prepaid MasterCard. We have reviewed your complaint and our findings are listed below. On September 28, 2014, you ordered your card online. On October 4, your card was activated and a cash load transaction for $420 was completed at ACE at 3:52 P.M. on October 6. That same day two separate ATM withdrawals were completed, each in the amount of $202.99. On October 7, a claim was submitted to NetSpend, the program manager, stating the ATM did not dispense the money for either of the $202.99 transactions. On November 5, provisional credits for both transactions along with the associated $1.95 fees posted to your account. On November 22, you attempted to use your card for cash withdrawals in the amounts of $300.00 and $40.00. You contacted Customer Service on November 24 stating you did not receive the cash from the ATM. Unfortunately, an error was made by the representative working your dispute claim and the provisional credit posted on December 15 instead of December 10. We sincerely apologize for the delay in posting the provisional credits. As a courtesy NetSpend has posted a $30.00 credit to your account along with the reversal of three $0.50 balance inquiry fees that posted to your account. We hope that this information is helpful. Please contact us with any additional questions. Sincerely, THE BANCORP Payment Solutions Group

Review: This company denied my claim for unauthorized charges based on a signed receipt from a merchant where my signature was forged. I have had my identity stolen back in April of this year and things of this nature has been going on since then. I demand they reopen the dispute and refund all charges immediately because someone forged my signature to illegally obtain funds. When my wallet was stolen I had other cards in there with my signature on them and my atm pin was also in there which would make it very easy for my signature to be forged and illegally used and also for my pin number to be used at the ATM to get funds off my card. I don't know whats wrong with this company but if they don't give me my money back immediately I will hire a lawyer to go through arbitration if my funds aren't returned. For the last time when my wallet was stolen all my personal info was stolen with it such as drivers license and social security card and other credit cards with my signature on them and my pin was also in my wallet so I can remember it. So whoever got it had all my information including how I sign things.Desired Settlement: ALL charges refunded immediately.

Business

Response:

[redacted]

RE: Your RushCard Visa Prepaid Card

Dear [redacted]:

This letter is in response to the concern you raised with the FDIC and Revdex.com regarding your RushCard Visa Prepaid Card. We have reviewed your complaint and our findings are summarized below.

[redacted], you contacted Customer Service at UniRush, the program manager, on September 17, 2014 regarding three transactions you claimed were unauthorized. The transaction amounts were $2500, $1200 and $490.

Bancorp immediately began an investigation which included contacting the merchant for supporting documentation. On September 29 we completed the dispute investigation and it was determined that no error had occurred and the dispute claims were denied.

A letter was mailed to you on September 29 explaining the results of the investigation and letting you know that no credits will be posted to the account.

[redacted], we regret that this is not the resolution you were seeking, and we understand your frustration. We are confident that we have completed a thorough and accurate investigation and that we have reached a correct resolution. If you have additional information regarding the transactions, have any questions or would like copies of the documents used in determining the final outcome you can contact the Disputes team directly at 1.877.554.2339.

We hope that this information is helpful. Please contact us with any additional questions.

Sincerely,

The Bancorp

Payment Solutions Group

Review: Last Wed 3-12-14 was told in error that they accept wire transfers to their AccountNow prepaid cards they offer thru their bank. Employer offered me an advance and sent thru wire transfer. Monday 3-17-14 was told that the advance (which is my check and someone elses check) would be there that day, checked, checked, still nothing. Called again and asked about where it was and that's when I was told they do NOT accept wire transfers and the lady was very sorry and apologized profusely for the misinformation. Today I called Chase bank and they can't tell me anything because it's not my account. I called back to my bank they told me their is nothing they can do, that I need to call my employer and have them void the transaction and send it ACH deposit. I have explained numerous times that Chase can't void it because it left their bank and is showing successfuly deposited. I was told by Chase that Bancorp would still get a confirmation number and it would be rejected and be sent back within a few days time. It has been a week now since that transfer was sent in. When I called Bancorp BACK to speak to a supervisor, the customer service agent I spoke with ACTUALLY ARGUED with me over allowing me to speak to a supervisor and put me on hold for about 15 minutes, then came back told me the same thing she kept repeating, that I need to have my employer void the transaction that they CAN'T touch and resend it ACH. I kept explaining, I believe I actually repeated myself 5-6 times before I became so frustrated I hung the phone up. I was not getting anywhere or any answers. The representative took the liberty of talking to their supervisor FOR me instead of allowing me to speak with them myself, and told me the supervisor said the same thing about ACH. They did not listen to me at all. I am very very very very very very frustrated.Desired Settlement: I want to know where my paycheck is. I either want it in my account, or voided and redeposited, or a check. I don't care. I just need my paycheck. This is another persons money involved as well.

Business

Response:

[redacted]

This letter is in response to the concern you raised with the Revdex.com regarding your AccountNow Gold Prepaid Card. We have reviewed your complaint and our findings are summarized below.

AccountNow has a policy that does not allow for wire transfer deposits. Per this policy, a wire transfer deposit is returned to the bank immediately upon receipt and a deposit to the account is never attempted.

Per AccountNow’s records this policy was explained to you during a phone call to Customer Service on March 18, 2014. When the calls between you and AccountNow’s Call Center Agents were reviewed, you indicated that you had contacted AccountNow’s office on March 17, 2014, at which time an agent had advised you that wire transfer deposits were acceptable.

AccountNow has searched all call records between the dates of March 12, 2014 and March 18, 2014; the first call they were able to find was on March 18, 2014. [redacted], if you called from an alternate telephone number, AccountNow would be happy to take that telephone number and pull any additional calls so they can ensure that their agents are providing accurate information.

On March 20, 2014 a call was placed to your phone number and a wire transfer return trace number of [redacted] was provided to the party answering the telephone, who stated that he was the other beneficiary of the deposit. This number will allow you to trace the returned deposit with the originating bank. The wire item was received by AccountNow on March 12, 2014, and returned the same day.

[redacted], we apologize for any inconvenience or frustration that this matter has caused. As mentioned above, if we receive an alternate phone number to use to check for additional recorded contacts with you we will be glad to do so.

We hope that this information is helpful. Please contact us with any additional questions.

Consumer

Response:

Review: On Oct. 14th, 2015 $173 was stolen from my Vanilla Visa gift card because the company approved and processed a fraudulent charge from a well known spam number. The fraudulent charge came from number [redacted] with a fake bussiness name of PP*FLEXZONE BENFOREMAN. Both Whitepages.com/phone/1-[redacted] and 411.com/phone/1-[redacted] reported the number was Teleport Communications America landline based in Omaha, NE with numerous comments from persons whose credit, bank accounts, and debit cards where drained by this same spam number. Customer Service representatives from Vanilla Visa then informed me that I would need to dispute the charges- a process that would take at least 30 days and then there is no guarantee the matter would be decided in my favor and I would get my money back even though the charge is from a spam number known for draining accounts. It is Vanilla Visa's responsibility to safeguard the products they sell. My gift card monies was drained because Vanilla Visa did not put into place the processes that would raise red flags when a "bussiness" attempts to use special characters instead of the alphabet to process charges. Vanilla Visa dropped the ball and I should not be penalized for what they failed to do by processing charges from a spam number. I want a refund of $173 dollars within 10 days not 30 days- it is my hard earned rightful money and Vanilla Visa has no right to withhold it from me because they failed to safeguard the product.

Product_Or_Service: Vanilla Visa gift card

Account_Number: 4847180034326081Desired Settlement: DesiredSettlementID: Other (requires explanation)

My $173.00 refunded to me within 10 days

Business

Response:

Good

afternoon, [redacted]. Attached please find the customer response letter for

Ms. [redacted] If you have any questions please feel free to contact me.

Thank you. [redacted]

Consumer

Response:

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

Review: I purchased a Vanilla gift card for my father, paid the $40.00 and the card never worked. When I called your customer service department I was told the only way I can get this resolved is to send a copy of my receipt along with a copy of my driver's license. Considering fraud is on a rampage, I indicated I would not send a copy of my driver's license to someone I do not know, but would be more than happy to send a copy of the receipt. Unfortunately, without a copy of my I.D. there is nothing that can be done. Hence, a $40.00 loss on my part.Desired Settlement: I want a full refund of my money OR if the company has a local office where I can show my I.D. to one of you employees for verification purposes I have no problem with that. However, I will not leave a copy of my I.D. for security reasons.

Business

Response:

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

Consumer

Response:

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

Review: On January 09, 2015 I tried to withdraw some money from an ATM and the money was not dispensed. I have been trying to obtain some information about the temporary credit on my account and today is January 19, 2014 and I don't have any answer for my questions or emails about my money. Normally when you have a problem with a transaction in your account you receive a temporary credit in the account until the investigation is completed.Desired Settlement: A temporary credit until the investigation is completed. My name is [redacted] my email address in the account is [redacted] and the claim number is claim number [redacted]

Business

Response:

This letter is in response to the concern you raised with the Revdex.com regarding your PayPal Prepaid MasterCard. We 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 $280 provisional credit to your account and mailed a letter notifying you of the next steps. NetSpend also contacted you via phone on January 23 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.

Review: I call to get my account balance and to order a new Card I advice the rep that my old card was getting damage and to keep my current card active cause I need my card but to put a request for new card well I tey to use my cc and it was decline I call and they said that there company was making changes that they no longer have visas only master cards and that my funds where remove to the madter card department I advise that no one inform me of thise changes and I never gave them permission to move my money when I spoke to master card they said they can help me putting my money back that I needed to wait fir my madter card customer service was terrible and they did mistakes on my account with out my permission removing my fundsDesired Settlement: I need them to refund my bills that didnt get paid late fees cause of there fault and medical isdues I had am a diabetic and they put my sugar up due to me getting mad and my waist of time with them

Business

Response:

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

Review: ORIGINAL COMPLAINT

The credit card company opened a credit card to a person over the phone in my name using stolen ID

The company opened a credit card to a person using my ID using an address that does not belong to me send them the card to the mentioned address, latter they sending me a letter stating the address has been changed to my address, when I called they said that they opened the account because the social security number matched the name, not needing any more information because all the info match, they said that this is common practice and that this card is used for money launderingDesired Settlement: DESIRED RESOLUTION

I want to see that this company to be fined for opening accounts with the proper verification

Business

Response:

November 11, 2013

RE: Your AccountNowVisa Prepaid Card

This letter is in response to the concern you raised with the Revdex.com regarding your AccountNowVisa Prepaid Card. We have reviewed your complaint and our findings are summarized below.

[redacted] on September 3, 2013, AccountNow, the program manager, received an online application in your name. You mention in the complaint that you thought the application was submitted over the phone, but a review of the application showed that based on the IP address it was actually submitted online from a FedEx location. The application was approved as the name and social security number matched.

On September 12, 2013 the card was activated and AccountNow received a request to change the address from [redacted]

Also on September 12, 2013, AccountNow closed the card immediately after they received a call from you stating that you did not apply for the card.

[redacted] your name, address and social security number have been added to our fraud prevention screening list to prevent any additional accounts from being opened using your information.

We apologize for any inconvenience you experienced. We have a robust process in place under our Customer Identification Program (CIP) to ensure that we verify the identity of our customers. Although the personal information that was provided allowed the account to be opened, we are confident that our systemic checks would have prevented any financial loss on your part.

[redacted] based on the results of our research it is apparent that some of your personal information has been compromised. We strongly recommend that you visit the Federal Trade Commission’s (FTC) website (www.ftc.gov) and click on the panel titled Fighting Back Against Identity Theft that is located on their home page. The FTC also has an Identity Theft Hotline that you may reach by calling 1-877-438-4338 (1-877-ID-THEFT).

We hope that this information is helpful. Please contact us with any additional questions.

Sincerely,

The Bancorp Bank

Payment Solutions Group

I have been a RushCard/Bancorp customer since 2012. Recently my paycheck came a day early and my card was suddenly and unexpectedly blocked without any prior notification or consent. Two business days later I still have not been given access to my own account and paycheck nor have I been given a legitimate reason from customer service as to why and how the issue even occurred. I was provided with poor, redundant and useless customer service by supervisors located either in the Philippines or India who couldn't do anything besides, continuously read off the script or flat out hang up rather than to assist me in resolving the issue.. Luckily I managed to speak with a supervisor named John ID# 41643 who called me back a couple hours later with an update however to my despair there was still no resolution so me and my family are spending this weekend with no access to our account or paycheck 2 entire business days later. I WILL NOT EVER DO ANY FUTURE BUSINESS WITH BANCORP AND ITS AFFILIATES AND HOPE THAT NO OTHER HARD WORKING CUSTOMER DOES!

Review: I paid for merchandise using my rush card on October 17,2014 to [redacted] for 52 and change. I NEVER received the merchandise. I got in contact with rush card on 24 or 25 fir them to look into this and give me my refund. I spoke to bank Corp 11/8/2014 and they stated to me I wasn't eligible for a provisional credit. and I would have to wait for 120 to receive my money back. I Don't have the merchandise and here it is 11Desired Settlement: Here it is 11/8 and I still don't have the merchandise. My money should be FDIC in insured. All I want is my refund or a provisional credit until they finish investigation the claim. I feel that is only fair to me the consumer

Business

Response:

[redacted]

RE: Your RushCard Visa Prepaid Card

This letter is in response to the concern you raised with the Revdex.com regarding your RushCard Visa Prepaid Card. We have reviewed your complaint and our findings are summarized below.

You called Customer Service for UniRush, the program manager, on October 24, 2014 to initiate a dispute claim regarding the $52.34 transaction from [redacted]. The written dispute form was received from you on Friday November 7. The investigation was concluded on that day, and a chargeback for the full transaction amount was submitted on November 10, the next business day.

Unfortunately, since the dispute is for non-receipt of goods, it is not covered under the Reg E guidelines that would make it eligible for provisional credit. The entire claim process could take up to 120 days. The merchant has until December 26 to respond with information showing that the transaction was properly billed based on the services provided. If a representment from the merchant either isn’t received or isn’t sufficient, final credit will be issued to your account on December 26, and you will be notified via a final dispute resolution letter.

We understand that you were hoping to have your funds available much quicker and we do apologize for the inconvenience. We appreciate your patience as we work through the regulatory procedures that we must follow regarding dispute claims of this type.

We hope that this information is helpful. Please contact us with any additional questions.

Sincerely,

The Bancorp

Payment Solutions Group

Review: I have be faxing Email and talked to Univision about my balance . Scam Rip Off Hard work Americans

I opened a univision prepaid card to get my Benefits .I tried to us my card one day said declined so I call customer service they said they need to verified my identity I need to Fax Driver license Current a Bill and Social I fax document April 3rd follow up They said documents are to dark $12 wasted Staple Resend FedEx Kinko's $9.89 Wasted documents to dark free Resend Still Cant Read documents .They request me take digital Pic email to them My son did this for me 3 different times they are unable to verify info .Today date April 22 2014. This company is a SCAM AND RIP OFF LOCATED OUTSIDE USA IN ECUADOR ..How can you put money on your card and they try to take it and give you the run around. The customer service supervisor univision in Ecuador said I Need to contact the Government in my sate to Get my remaining Balance. So I asked for a contact number for government They don't have any and I should call 911 to get government assistance ? [redacted]Desired Settlement: I Need get my remaining balance on card $429 estimated Refund Check mail to me and close my account This company is a Scam Rip Off .

Business

Response:

Good morning[redacted]. Sorry for the delay on this one, but it has been resolved. We credited several fees while the account was blocked, and [redacted] should already have received his refund check. I've attached copies of the check and the statement showing the account credits. Thank you.