The Bancorp Bank

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 have also called them from phone number [redacted] That was the number I callem from and received improper information from!]

Good morning, [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]

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. 
 
Regards,

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

Revdex.com regarding the MyVanilla Visa Prepaid Card. We have reviewed the complaint and our findings appear below. On January 26, 2015, you contacted InComm, the program manager, on behalf of Jennie Avila, your sister, after efforts to register her MyVanilla account failed. Because your sister did not participate in the call, account information could not be provided to you. While we understand the inconvenience this causes, the policy is designed to protect the cardholder and must be adhered to. Upon receipt of your complaint, Wes Burton, an InComm Compliance Manager, contacted you and Ms. Avila and it was decided to close the account and mail a refund check. On January 29, a check for $70 was mailed to Ms. Avila via USPS. We trust this information is helpful. Please contact us with any additional questions.

Good afternoon, [redacted]  Attached please find the customer response letter and support documentation for Ms. [redacted].  If you have any questions please feel free...

to contact me.  Thank you.  [redacted]

Good afternoon, [redacted].  Attached please find the customer response letter for Ms. Simmons.  If you have any questions,...

please feel free to contact me.  Thank you.  [redacted]

[redacted]
[redacted]
[redacted]
 
RE: Your RushCard Visa Prepaid Card
 
 
[redacted]
 
This letter is in response to the concern you raised with the Better...

Business Bureau 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

[redacted]:
 
This letter is in response to the concern you raised with the Revdex.com regarding your AccountNow Prepaid Visa Card.  We have reviewed your complaint and our findings are summarized below.
 
On June 10, 2014, you requested to have a new card issued to you.  The card (ending in 9881) was mailed on June 12, 2014.  You contacted AccountNow, the program manager, on June 16 to report that you had not received the newly issued card.  AccountNow processed a new card order and mailed the card (ending in 1707) on June 17. 
 
On July 3, you reported that you still had not received the card ending in 1707, so AccountNow processed an expedited card order.  Our records indicate that the third card (ending in 5507) was delivered and activated on July 7.  The $25.00 fee for expedited card delivery was credited back to your account on July 10.
 
AccountNow has informed us that the card ending in 1707 was returned by the post office with the return reason of “undeliverable”.  There is no record of the card ending in 9881 being returned by the post office.  Unfortunately we cannot explain why you experienced such difficulty in having cards delivered by the post office when all the cards were sent to the same address, including the card successfully delivered by Federal Express.  You may want to contact your local Postmaster to see if they can determine if there are any issues with your mailing address according to the US Postal Service. 
 
We apologize for the inconvenience and frustration you experienced, and we are glad we were able to resolve this matter to your satisfaction.
 
We hope that this information is helpful.  Please contact us with any additional questions. 
 
 
Sincerely,
 
The Bancorp
Payment Solutions Group

I wrote a check to a attorney post date it he was to hold it for 15 days well that didnt happen he cashed the check before I got out of his office the back said they pay attention to the date on the check but when I ask them about it they said it wasnt them that done that but you say you want cash a check if it postdate that you dont pay any mind to the date but when I tried to cash a check that said the 24 on it you would not cash it you said you couldnt cash it to the 24 but you will cash a check 15 days out

This letter is in response to the additional concern you raised with Revdex.com regarding your Swift Non-Reloadable Prepaid Visa Card.  We have reviewed your most recent complaint and our findings are summarized below.
 
While we were continuing our investigation based on your most recent inquiry, we saw that Energy Plus processed a credit in the amount of $233.93 that posted to your account on May 15, 2014.  This brought your card balance to $250.00 as of May 15.
 
Based on this development it appears that the merchant had received your payment.  We have closed your dispute claim as resolved.  Your account is active and the remaining funds are available for use. 
 
[redacted], we appreciate your patience while we continued our investigation.  We are glad the merchant has posted this credit to resolve your dispute claim. 
 
We hope that this information is helpful.  Please contact us with any additional questions.

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 will reject the offer by the Bancorp bank since I did not authorized any transaction in that amount of $690 even though there was  a transaction after that in the amount $162.50.  I was taken that next transaction at an atm because
there might more unauthorized transactions on it.  Also Bancorp Bank has reported my previous debit lost or stolen without telling me about it and had to wait to get a new one so I can use the rest my money on the card.

Good morning, [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]

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]

Good morning, [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]

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]

This letter is in response to the concern...

you raised with the Revdex.com regarding your READYdebit Platinum Visa Prepaid Card.
 
Our research shows the phone agent concluded you had lost your card and required a new one. The request for verification documents was driven because of an address change.
 
AccountNow, the program manager, received valid copies of your identification card and birth certificate.  The other documents submitted were considered invalid: the bill you provided showed [redacted] Street with a portion of the street number cut off, while the W2 form showed W [redacted] Street and only a partial street number.
 
On February 5, 2015, you spoke with a manager and it was established that while you lost your purse you still had your card.  The manager reinstated the card that day.
 
On February 6, you began using your card again.  On February 12, as a courtesy, the $14.95 service charge that posted to your account on January 26 was reversed.
 
We hope this information is helpful. Please contact us with any additional questions%3

[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. 
 
 
[redacted]
 
[redacted]
[redacted]
[redacted]
[redacted]

Good afternoon, [redacted]  I've attached the response letter we mailed to [redacted] regarding her complaint.  Sorry for the delay.  Please let me know if you have any questions.Thank you.

Good afternoon, [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]

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.