The Bancorp Bank

*** *** ***
*** *** ***
*** ** ***
RE: Your Swift Non-Reloadable Prepaid Visa Card
*** *** ***
This letter is in response to the concern you raised with
the FDIC and Revdex.com regarding your Swift Non-Reloadable Prepaid Visa Card. We have reviewed your complaint and our findings are summarized below
*** *** on April 22, Energy Plus charged your Prepaid Card in the amount of $233.93. The following day Energy Plus settled the transaction and received the funds for your transaction. The funds were deducted from your card account at that time
On May 1, Swift, the program manager, contacted you to advise you that the merchant had settled the transaction. You were advised that you would need to submit a dispute in order to reclaim the funds. You insisted a check be cut for you immediately because the bill had been paid twice; however, Swift was unable to do this as the funds were no longer in their possession. Energy Plus received the funds on April 23, 2014. You were advised that the only way to reclaim your funds was to file a dispute. Swift then flagged the transaction in question for dispute
*** ***, we apologize for the frustration and inconvenience this has caused. It is regrettable that we were not able to immediately resolve your concern. We will be glad to assist you with the dispute process if you have any questions
We hope that this information is helpful. Please contact us with any additional questions

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

Good morning, *** Attached please find the customer response letter for Mr***. If you have any questions please
feel free to contact me. Thank you

Good afternoon, *** I've attached the rebuttal response that we mailed to *** *** today, along with some supporting documentation. Please let me know if you have any questions. Thank you

Dear Ms***:This letter is in response to the concern you raised with the Revdex.com regarding your RushCard Prepaid Visa Card We have reviewed your complaint and our findings appear below.On June 2, 2014, you called to file dispute claims for $and
$173.79.The $transaction took place at a *** SupercenterOn June 2, you filed a verbal dispute On June 3, after your written dispute form was received the dispute was classified as a Regulation E claim and provisional credit posted to your account on the tenth business day, June On June 17, a letter was mailed informing you of the provisional credit That same day you called Customer Service and received verbal notification of the provisional credit Although *** ultimately provided documentation establishing that the funds had been dispensed, the provisional credit had been made permanent and the claim was closed in your favor.The $transaction also took place at a *** SupercenterOn June 2, you filed a verbal dispute claiming Non Receipt of Goods or ServicesOn June 3, your written dispute form was received and the matter was classified as a Non-Regulation E claim for which provisional credit is not providedA chargeback was filed with Visa *** confirmed the transaction was valid and a letter was mailed to you on November informing you of the outcome.We hope this information is helpfulPlease contact us with any additional questions

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

October 8,
*** *** ** ***
*** *** ***
*** ** ***
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 $to your account on October
We hope this information is helpful. Please contact us with any additional questions.
Sincerely,
The Bancorp
Payment Solutions Group

*** *** ***
*** ** *** ***
*** *** ** ***
RE: The Platinum Signature Prepaid MasterCard
*** *** ***
This letter is in response to
the concern you raised with the Revdex.com regarding The Platinum Signature Prepaid MasterCard. We have reviewed your complaint and our findings are summarized below
We have tried to determine why Advent, the program manager, did not correctly process your initial card request. However, because of the program’s impending shutdown (cards will no longer be operational after November 4, 2014) we could not complete our research
Rather than cause further delays and more inconvenience for you, we have enclosed two balance refund checks The first check is for $and includes reimbursement for two Live Agent Assistance fees of $We did not see any fees for $that you referenced in your complaint. After we processed the first check we realized it did not include reimbursement for the $fee that was assessed to your account on July to send a new card via expedited delivery. Since that card was not received we have enclosed a second refund check for $34.95. You were not charged any fee for the processing of the two refund checks.
We apologize for the inconvenience and frustration you experienced. We hope this information is helpful, and that you find this resolution to be acceptable. Please contact us with any additional questions

Good afternoon, ***. Attached please find the customer response letter for Mr*** 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 PayPal Prepaid MasterCard. We have reviewed your complaint and our findings are summarized below
On Tuesday, September 2,
2014, a security block was placed on your account by NetSpend, the program manager, after your card number was believed to have been potentially compromised. The block was intended to prevent any financial loss from your account
On September 4, a new card was mailed to you via overnight mail. You were not charged any fees for having the card sent to you via expedited delivery
We apologize for the inconvenience you experienced. Please be assured this action was taken in order to maintain the security of your account by reducing your risk to potential fraud
We hope this information is helpful. Please contact us with any additional questions.
Sincerely,
The Bancorp
Payment Solutions Group

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

March 5,
*** *** ***
*** *** ***
*** ** ***
RE: Your The Approved Card Account
*** ***
***
This letter is in response to the concern you raised with the Revdex.com regarding your The Approved Prepaid MasterCard. We have reviewed your complaint and our findings are summarized below
*** ***, your card was blocked on December 11, due to a Bank-to-Card transfer that posted to the account. The block was due to a name mismatch between the external bank account and your Approved Card account. You were asked to provide a letter from the bank verifying that proper authorization was given to transfer funds from that account
Our Fraud team attempted to contact you between December 11, and February 18, but they were unsuccessful
On February 18, you called into the call center asking why the card was still blocked. The phone agent was unsure of the status so they asked you to allow so the issue could be researched by the processor. The processor’s Fraud responded that they had never received the requested documents from the transferring bank. Accordingly, the block remained on the account.
After your complaint was received a Fraud Analyst contacted the transferring bank and verified the account information. On February 21, the block on the account was removed. An attempt was made to contact you by phone at *** *** but the number was invalid. An email was then sent informing you that the card was reopened
*** ***, in the complaint you mention that you have received a fee each time you speak to a phone agent. We wanted to make sure that you are aware that you have not received any fees for speaking to a Customer Service Representative regarding the fraud block. Live Agent Support Fees are not charged to cardholders when they are calling in regard to fraud block inquiries.
There was a monthly Account Maintenance fee charged to your account on January 26, 2014. That fee was reversed on February 21, (Below is the screen shot for reference.)
We understand that frustration and inconvenience that this has caused you. In the future, we ask that if something like this happens again that you provide the requested documents as soon as possible. This will speed up the review process and you will regain access to your funds much more quickly
We hope that this information is helpful. Please contact us with any additional questions.
Sincerely,
The Bancorp Bank
Payment Solutions Group

This letter is in response to the concern you raised with the Revdex.com regarding your RushCard Prepaid Card. We have reviewed your complaint and our findings are summarized below
*** ***, on February 14, you called Customer Service and verbally
initiated a dispute for numerous unauthorized transactions that you alleged had posted to your account while you were in the hospital. You were informed of the dispute timeframes and also told that a replacement card would be mailed to you since the card that was used for the unauthorized transactions has been closed as a security precaution. The following day, an unauthorized transaction dispute form was sent to you. We received the completed written dispute form from you on March 6, 2014.
On March 20, we mailed the final determination letter to you letting you know that the investigation had been completed and that we did not find that an error had occurred. Your card was closed on March 21, due to security concerns about the account.
*** ***, on March 22, the remaining balance in your account was returned to you via a refund check in the amount of $479.02. The check was mailed to same address provided on the complaint:
*** ***
*** * *** *** *** ***
*** *** ** ***
We apologize for the frustration this has caused. It is always regrettable when we close a customer’s account, but at times it is the most prudent action in order to help maintain the overall safety and soundness of our customer network
We hope that this information is helpful. Please contact us with any additional questions

Good afternoon, *** Attached please find the customer response letter for Mr***. 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 *** and find that this resolution is satisfactory to me

Good morning, *** Attached please find the customer rebuttal response letter for Mr***. 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 ***, and find that this resolution is satisfactory to me
Please make sure that personal information included on the business response (my phone number) is not published

I never accepted or signed nor I was told about Bank Secrecy Act and USA Patriot Act when I signed up for the univision card, I did signed the univision card holder agreement which doesn't states that I have to provide my photo id, social security card, proof of address at any pointI have already given them my name, ssn, dob, address and the card was sent on my address which I later activatedThe card holder agreement I signed clearly states in the Amendment and Cancellation section, “In the event that your Card Account is cancelled, closed, or terminated for any reason, you may request the unused balance to be returned to you via a check to the mailing address we have in our records.”
Secondly, I received an e-mail from *** *** that my card was blocked because the pattern of transactions looks the same as potential fraud, now when I signed up for the univision card no one told me about this that I have to use my hard earned my like they tell me to, it's my money I can use it however I want it to and it's my rightIf you guys have these type of rules and regulations you should these things before you start giving services to your customersFirst you don't tell me about these thing when I signed up for the card then you just come out of the blue and start saying me that these things are prohibited, so again I am not going to provide my personal information to you guys because I just don't trust you, but if *** *** gives me a personal guarantee that my personal info wont be misused I can provide that, but if in future my personal info gets compromised in any circumstances if *** *** will take full responsibility for that whatever the circumstances are I can provide the documents he need me to, otherwise just unsuspend my card so I can use the remaining funds on my card

Ms
"Verdana",sans-serif">Good afternoon, ***. Attached please find the customer response letter for Ms***. If you have any questions please feel free to contact me. Thank you. ***

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