Zone Labs, LLC

Initial Business Response / [redacted] (1000, 17, 2015/09/02) */ We chatted with this person a few timesWe told her we are NOT Webroot That's not the name of our companyWe told her to contact Webroot and not usWe have nothing to do with Webroot at all We don't have an employee named [redacted] and that phone number does not belong to our companyWe told this to this person over and over and she wont listen at all Please close this case since the person who filed it refuses to contact the company who she has an issue with and that is not our company Initial Consumer Rebuttal / [redacted] (3000, 19, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) Why did they answer the call I made while on the Webroot website? The # I called which was someone from Zone Alarm was on that Webroot website I was told by this [redacted] that they were a third party partner with Zone Alarm which is a product of Zone LabsI still want the $ put back on my credit card! Thank You [redacted] Final Business Response / [redacted] (4000, 21, 2015/09/08) */ We consider this matter closedWe will not be responding to anymoreWe are not WebrootIts as simple as that

Dear Mr [redacted] :We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.As a financial institution, we are required to comply with federal regulations related to opening accountsThe United States Financial Crimes Enforcement Network (FinCEN) "Know Your Customer" (KYC) requirements were proposed as part of a broader regulation setting out the core elements of a customer due diligence programTaken together, these elements are intended to help financial institutions avoid illicit transactions by improving their view of their clients' identities and business relationships.In review of your concerns, I found that the account that you requested to open on December 9th is for a tax preparation businessAccordingly, additional identifying information (to comply with the KYC program) is requiredAfter review of your new account submission, we reached out to you by phone on December 14th to request the following additional documents:1.Secondary Identification — No prior relationship exists with our bankSecondary ID must be presented if the primary ID does not display the current physical address.2.Tax Preparer documentation — Customers offering tax preparation services must provide the current year IRS Preparer Taxpayer Identification Number (PTIN) and Electronic Filer Identification Number (EFIN) so that we may ensure that a customer is properly registered to offer tax preparation services.3.Expected monthly activity — This is an enhanced due diligence requirement that is applied to all businesses.4.Bank statements from previous bank — The bank reserves the right to ask for bank statements to substantiate the types of transactional activity that should be expected in the account held with us.As of the date of this letter, all requested documentation has been received and your small business account for " [redacted] ***" has been opened with Fort Hood National Bank.Should you require further information or assistance in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat, or you may contact me directly at [redacted]

Complaint: [redacted] I am rejecting this response because: When I called the company I was told in order to close my son bank account I would need to produce a death certificate and show that I am an administrator for my sons estate, I was not aware my son had a loan with the bank (Therefore attempting to make me liable for the loan)Please note the bank would not close his account without these documents.I called again and was told they will close the account if I sent the death certificateBy then the document where submitted to the courts.Once I had the legal document needed I produce them to the companyThat is when I requested bank statements so I can sent to the court Short after I received a call from the collection agency regarding my son past due accounts.I sent an email to the bank asking for the collection department phone so I can find out the status of this outstanding loan an have not heard back for the company Regards, [redacted]

[redacted] We receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsSo that we may further assist you with this matter, we ask that you please forward a true, certified copy of the Death Certificate for the account holder to us at: [redacted] ***

November
2, 2015To
Whom It May Concern:Our
response to Ms***’s concerns
has been attached.Sincerely, *** *** Real Time Service Center Fort Hood National Bank

Dear Mr***:It was a pleasure to speak with you today about the concerns outlined in your letter to the Revdex.com.Please find enclosed a copy of the note, disclosure, and security agreement you signed on February 22, when you received Smart Cash loan -***This loan was
charged off on October 31, after ninety (90) days of non-payment.As discussed during our call, you may remit payment ofthe charged off balance of $by mailing a check or money order to:Fort Hood National BankAttn: Loan Operations*** *** *** *** *** ** ***
*** ***Vice PresidentCustomer Relations

November
6, 2015To
Whom It May Concern:Our
follow up response to Ms***’s rebuttal has been attached.Sincerely, *** *** Real Time Service Center Fort Hood National Bank

Dear Ms***: We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concernsA review of our records shows that your loan ending in -*** was paid in full as of December 15, This status was reported to the Credit Reporting
Agencies during that monthAccounts which are “paid as agreed” generally remain on the credit file for up to ten years from the date of last activityIf you wish to dispute this item for any reason, you may do so with the Credit Reporting Agency reporting the informationThey will, in turn, contact us concerning the dispute and we will respond with our findings and any supporting information

Initial Business Response /* (1000, 17, 2015/09/02) */
We chatted with this person a few timesWe told her we are NOT WebrootThat's not the name of our companyWe told her to contact Webroot and not usWe have nothing to do with Webroot at all
We don't have an employee named *** and that
phone number does not belong to our companyWe told this to this person over and over and she wont listen at all
Please close this case since the person who filed it refuses to contact the company who she has an issue with and that is not our company
Initial Consumer Rebuttal /* (3000, 19, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Why did they answer the call I made while on the Webroot website? The # I called which was someone from Zone Alarm was on that Webroot websiteI was told by this *** that they were a third party partner with Zone Alarm which is a product of Zone LabsI still want the $ put back on my credit card! Thank You*** ***
Final Business Response /* (4000, 21, 2015/09/08) */
We consider this matter closedWe will not be responding to anymoreWe are not WebrootIts as simple as that

Attached is a copy of our response to Mr***

October
23, 2015To
Whom It May Concern:Our
response to Ms***’s concerns has been attached.Sincerely, *** *** Real Time Service Center Fort Hood National BankOctober 22, 2015*** *** MtPleasant Ave Mamaroneck, NY 10543Re: Revdex.com #*** Dear
Ms***:We are in receipt of your recent letter to the Revdex.comPlease accept our sincere condolences for the loss of your son, ***.We reviewed our process concerning documents required for cases of this natureTypically, a Death Certificate along with one (1) of the following documents is needed:Small Estate Affidavit/Affidavit for Collection of Personal PropertyLetter of AdministrationLetter of TestamentaryMuniment of Title (Probated Will)However, if an account balance is greater than $with an estate of $50,or above; or if specific account information is requested, the Letter of Testamentary (with an existing will) or the Letter of Administration (with no existing will), in specific, will be requiredWhile the account in question did not meet the balance threshold, the Letter of Administration was necessary to provide you the requested copies of the account statementsThese were sent via secure email to *** on September 21st and 22ndWe also found that no communication concerning the collection of the loan in ***’s name was sent by us.Sincerely, *** *** *** ***
*** ** *** ***

Initial Business Response /* (1000, 17, 2015/09/02) */
We chatted with this person a few timesWe told her we are NOT Webroot That's not the name of our companyWe told her to contact Webroot and not usWe have nothing to do with Webroot at all
We don't have an employee named *** and that
phone number does not belong to our companyWe told this to this person over and over and she wont listen at all
Please close this case since the person who filed it refuses to contact the company who she has an issue with and that is not our company
Initial Consumer Rebuttal /* (3000, 19, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Why did they answer the call I made while on the Webroot website? The # I called which was someone from Zone Alarm was on that Webroot website I was told by this *** that they were a third party partner with Zone Alarm which is a product of Zone LabsI still want the $ put back on my credit card! Thank You *** ***
Final Business Response /* (4000, 21, 2015/09/08) */
We consider this matter closedWe will not be responding to anymoreWe are not WebrootIts as simple as that

Complaint: ***
I am rejecting this response because:
Please see attached notice received todayI call the number that Fort Hood provided me and was told they could not help me. Fort Hood sold the loan account to a debt collector after knowing of my sons passing. Once again becoming his administrator making me liable.
Regards,
*** ***

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
(After reading their guidelines, policy statements, and doing some Googling of my own; I realize that I wasn't being picked-on Over the pass years their has been a steady increase to tax preparation fraudespecially in Florida So financial institutions of all sorts are steping up their "Due Diligence" when someone says "I'm a tax preparer"................so I apologize for making such a big fuss FHNB)
Regards,
*** ***

Dear Mr. [redacted]:We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.As a financial institution, we are required to comply with federal regulations related to opening accounts. The United States Financial Crimes Enforcement...

Network (FinCEN) "Know Your Customer" (KYC) requirements were proposed as part of a broader regulation setting out the core elements of a customer due diligence program. Taken together, these elements are intended to help financial institutions avoid illicit transactions by improving their view of their clients' identities and business relationships.In review of your concerns, I found that the account that you requested to open on December 9th is for a tax preparation business. Accordingly, additional identifying information (to comply with the KYC program) is required. After review of your new account submission, we reached out to you by phone on December 14th to request the following additional documents:1.Secondary Identification — No prior relationship exists with our bank. Secondary ID must be presented if the primary ID does not display the current physical address.2.Tax Preparer documentation — Customers offering tax preparation services must provide the current year IRS Preparer Taxpayer Identification Number (PTIN) and Electronic Filer Identification Number (EFIN) so that we may ensure that a customer is properly registered to offer tax preparation services.3.Expected monthly activity — This is an enhanced due diligence requirement that is applied to all businesses.4.Bank statements from previous bank — The bank reserves the right to ask for bank statements to substantiate the types of transactional activity that should be expected in the account held with us.As of the date of this letter, all requested documentation has been received and your small business account for "[redacted]" has been opened with Fort Hood National Bank.Should you require further information or assistance in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat, or you may contact me directly at [redacted].

[redacted]
[redacted]
[redacted]
[redacted]
[redacted] We receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns. So that we may further assist you with this matter,...

we ask that you please forward a true, certified copy of the Death Certificate for the account holder to us at: [redacted]
[redacted]
[redacted]
[redacted]

Complaint: [redacted]
I am rejecting this response because: When I called the company I was told in order to close my son bank account I would need to produce a death certificate and show that I am an 
administrator for my sons estate,  I was not aware my son had a loan with the bank (Therefore attempting to make me liable for the loan). Please note the bank would not close his account without these documents.I called again and was told they will close the account if I sent the death certificate. By then the document where submitted to the courts.Once I had the legal document needed I produce them to the company. . That is when I requested bank statements so I can sent to the court.  Short after I received a call from the collection agency regarding my son past due accounts.I sent an email to the bank asking for the collection department phone so I can find out the status of this outstanding loan an have not heard back for the company.
Regards,
[redacted]

Initial Business Response /* (1000, 5, 2015/07/20) */
Hello,
We have chatted online with Ms. [redacted], and as we explained we didn't take her money, We didn't charge here credit card 19.95, We don't have any orders in our system for her.
We don't sell coupon books. Whom ever offered this is...

the responsible party. The only company we ever did business with that would offer you ZA for free if you bought something from them was from a company called TrialPay. We haven't done business with them for a long time. As we explained already the customer must contact TrialPay to get there promised free software OR to get that 19.95 back. Whomever it was they have the customers money and we don't. We are sorry for this trouble but If we had taken the money we would have resolved this on the spot and refunded it no questions asked.