Visa

Initial Business Response / [redacted] (1000, 6, 2014/10/03) */ October 3, Dear [redacted] , Thank you for alerting Visa to your situation through the Revdex.comWe are sorry to hear about the problems you encountered when trying to use your CSL Plasma cardI can certainly understand your frustration and I am grateful that you took the time to let me know about your concern By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" section As Visa is a separate company from the issuing bank, we do not determine or enforce the terms and conditions for any issued cardsAlso, we do not have access to your accounts in order to provide you with the refund you are requestingTo do this, you would need to contact the financial institution that issued the gift cardYou can find their contact information on the back of the card I appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of issuing financial institution you will be able to find a satisfactory resolution To that end, we ask that you please allow the Revdex.com to close this case against Visa Sincerely, [redacted] Visa Executive Inquiries Office Initial Consumer Rebuttal / [redacted] (3000, 8, 2014/10/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was charged cent fees for using my card at a gas station and once at Office Depot when I had the balance to cover it I want the cents back they charged me in fees I called and told them it was wrong to charge me the fees and asked to have them credited back and was told no I then told them I'd be contacting the Revdex.com and they had no response Final Business Response / [redacted] (4000, 10, 2014/10/10) */ Dear [redacted] , Thank you for continuing to contact Visa through the Revdex.comI am sorry to hear that the issuing bank is unwilling to provide you with the refund you have requestedHowever, as I stated in my previous letter to you dated October 3, Visa is a separate company from the issuing bank and does not set or enforce the terms and conditions for any issued cardAlso, because Visa does not have access to your account, there is no way for us to provide you with the refund you have requested The only entity that can resolve this matter is the issuing bank, so you may wish to open a Revdex.com case against them instead of VisaTo that end, Visa considers this matter resolved since we are not in position to assist you further Please allow the Revdex.com to close this case as Visa will no longer contend on this issue Thank you, [redacted] Visa Executive Inquiries Office

Initial Business Response / [redacted] (1000, 5, 2015/01/20) */ January 20, Attn: [redacted] Dispute Resolution Specialist Revdex.com Case #: XXXXXXXX RE: [redacted] Claim #: XXXXXXXXXX Date of Loss: 12/6/ Dear Ms [redacted] The following constitutes our response to Mr***'s complaint regarding a claim for benefits under the Wells Fargo Cellular Telephone BenefitThe cardholder does not purchase a policy of insurance but is instead provided this coverage as a benefit at no additional cost, resulting from the cardholder's relationship with Wells Fargo Every Wells Fargo cardholder receives a copy of the complete terms and conditions of the benefit in the Guide to Benefits provided at card issuance and periodically thereafter Mr [redacted] states in his complaint that he submitted a claim for a water damaged cellular telephone on 12/7/As stated in the guide to benefits, this benefit is for damaged or stolen cellular telephonesMr [redacted] was unable to verify the telephone was damaged because he turned it into AT&T in exchange for a new phone, without documenting the damage or receiving a repair estimateAT&T did not note a cause of failure or damage to the telephoneWe did verify that AT&T applied a $credit for the exchanged phone Since the telephone is no longer available for diagnosis and AT&T did not note the reason for trade-in, we are making a one-time exception for this requirement and will process Mr***'s claim in the amount of $less the $co-pay, for a total of $ Thank you for your consideration in this matterIf you should require any additional information, please do not hesitate to contact me directly at the telephone number or e-mail provided Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/01/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) Yes: I have been notified that they will send me a check, this was approximately one week agoHowever, as of yet, I have not received the check thank you very much for your assistance in this matter [redacted] ***

Initial Business Response / [redacted] (1000, 15, 2015/04/28) */ ***Document Attached [redacted] Dear [redacted] , Thank you for alerting Visa through the Revdex.com to the difficulties you have experienced while attempting to use your Xpectations Visa cardWe value your business and in an effort to assist with a resolution to this matter we have made numerous attempts to contact you by phone and e-mailWe regret to inform you that we cannot assist you directly with this matterVisa does not set up, service, or have access to cardholder accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, authorizing or declining transactions, how it manages statements, etc By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" sectionThe customer service depart you spoke with is a function of the financial institution that issued the card, and not a part of Visa As Visa is a separate company from the financial institution that issued your Xpectations Visa card, we do not have access to your account to make the changes you have requestedI would recommend that you continue to work with the financial institution that issued your Visa card I appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of the financial institution that issued your Visa card you will be able to find a satisfactory resolution Sincerely, [redacted] Visa Executive Inquiries Office

Initial Business Response / [redacted] (1000, 9, 2014/03/13) */ Dear Mr [redacted] Thank you for alerting Visa to this issue through the Revdex.com While we understand your frustration with the process, please continue to work with your Issuer, the financial institution that issued the card, on a resolutionIt is the decision of Issuer to continue to work with the merchant bank towards that resolutionVisa does not set up, service, or have access to cardholder or merchant accountsThis is done through our client financial institutions (the banks) Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under Visa's neutral trademarkThese financial institutions independently determine the terms and conditions of credit extensions, the number of cards to issue, and the interest rates and fees to charge cardholders, among other thingsVisa itself is not involved at the consumer level of payment card transactions: it does not issue cards, service a cardholder's account, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by them I suggest, also, that you bring the matter of this "fair use tax" to the attention of your IssuerThey may be able to help you resolve that matter as well I appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of your Issuer you will be able to find a satisfactory resolution Sincerely, [redacted] Visa Executive Inquiry Office

My complaint is with Visa and there Visa Rush cardCan't acces my money and there are no live representatives to talk toStrongly advise anyone one not to use this cardI believe it to be a big scamThey should be held accountable for there actions or should I say lack ofI hope this message don't fall on deaf ears and gets resolved

Initial Business Response / [redacted] (1000, 5, 2014/06/12) */ Dear Mr [redacted] , Thank you for alerting Visa to your situation through the Revdex.comWe value your business and are sorry to hear about your circumstancesHowever, we regret that we cannot directly help you with this matterVisa does not set up, service, or have access to cardholder or merchant accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, how it manages statements, etc Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under Visa's neutral trademarkThese financial institutions independently determine the terms and conditions of credit extensions, the number of cards to issue, and the interest rates and fees to charge cardholders, among other thingsVisa itself is not involved at the consumer level of payment card transactions: it does not issue cards, service a cardholder's account, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" section As it pertains to your inquiry, the Zero Liability rules do not apply to cards that are issued within the country of EgyptTo that end, the information that you received from the bank is correctYou may want to contact the bank again to explore any other options you may have as it regards to disputing these charges I appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of your bank you will be able to find a satisfactory resolutionWe ask that you please allow the Revdex.com to close this case against Visa Sincerely, [redacted] Visa Executive Inquiry Office Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/06/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) So basically, although your name is on the card, you are not responsible for it?!! How can you allow any institute to issue cards that have your logo if they can't respect the basic principal of a credit card which is basic security?!! This is unbelievable!! I wish I knew such facts before I used a card that has your logo on it!! Final Business Response / [redacted] (4000, 9, 2014/06/17) */ Dear Revdex.com, Visa has already responded to the concerns of Mr [redacted] His rebuttal has not brought up any new concerns that were not addressed in our initial responseHis rebuttal appears to be nothing more than frustrated critisism of our policies To that end, we ask that you please close this case, as Visa considers this matter resolved Thank you, [redacted] Visa Executive Inquiries Office

Initial Business Response / [redacted] (1000, 5, 2014/12/30) */ Dear [redacted] , Thank you for alerting Visa to your situation through the Revdex.comWe are sorry to hear about the problems you encountered when trying to use your Vanilla Visa gift cardWe can certainly understand your frustration and we are grateful that you took the time to let us know about your concern By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own Visa does not set up, service, or have access to cardholder accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, authorizing or declining transactions, how it manages statements, etc These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" sectionThe customer service department you called is not part of Visa, but is run by the financial institution that issued the card As Visa is a separate company from the issuing bank, we do not determine or enforce the terms and conditions for any issued cardsAlso, we do not have access to your account in order to provide you with the refund you are requestingTo do this, you would need to continue to work with the financial institution that issued the gift card We appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, we hope that with the help of the financial institution that issued your Vanilla Visa gift card you will be able to find a satisfactory resolution Sincerely, [redacted] Visa Executive Inquiries Office Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/01/02) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will contact the proper financial institutionThank you

Initial Business Response / [redacted] (1000, 5, 2015/09/14) */ Dear [redacted] , Thank you for contacting Visa concerning your credit card accountWe value your business and regret that we cannot directly help you with this situationVisa does not set up, service, or have access to cardholder or merchant accountsThis is done through our client financial institutions (the banks)Each financial institution has its own criteria for issuing Visa cards, how it manages statements, etcPlease contact the financial institution that issued your Visa credit card By way of background, Visa processes electronic payment transactions on its secure, global processing network and provides its financial institution clients with a broad range of platforms for consumer credit, debit, prepaid and commercial paymentsSome of Visa's financial institution clients issue payment cards to their cardholder customers under license from Visa which allows them to use our brand and trademarks in conjunction with their own These financial institutions independently establish policies to manage the terms and conditions of credit extensions, the interest rates and fees to charge cardholders, the settlement of bills, and other operationsVisa itself is not involved at the consumer level of payment card transactions; it does not issue cards, service cardholder accounts, assess cardholder fees, make loans to cardholders, or set interest ratesThe cardholder relationships belong exclusively to Visa's financial institution clients and are managed by themMore information is available on our website, www.visa.com, in the "About Visa" section As Visa is a separate company from the financial institution that issued your Visa card, we do not have access to your account to make the changes you have requested I appreciate that you brought this matter to our attentionWhile we unfortunately cannot assist you directly, I hope that with the help of the financial institution that issued your Visa card you will be able to find a satisfactory resolution Sincerely, Visa Executive Inquiries Office