PrePaid Ventures, LTD

*** *** opened her account with us 12/**/At the time of purchase, along with her temporary card she would have been handed a copy of our Terms & Conditions which outlines all of the fees associated with the ***Within to business days after her purchase of the *** she
would have received her personalized card in the mail, once again with a copy of our Terms & ConditionsFurthermore, when a card holder calls our 800# to activate their card they have to agree that they have read and understand our Terms & Conditions I personally have spoken with *** *** on June*, and we reviewed these fees and the ways she could use the card and save money Over the course of the month’s that *** has been using her *** we have worked with her on numerous occasions and have refunded close to $dollars or approximately half the fee’s she had incurred during this same time periodAlso during this period her monthly fees were reduced to a little over $per month overall We have also handled numerous disputed transactions that she had called in about stating that she did not approve them nor did she know about them. While *** did switched banks, we were never sold or bought outWe did issue a new card to ***, and this was done in this way once again attempting to save *** *** moneyWhen we first attempted to explain the bank switch to *** and how it we could eliminate her Direct Deposit Load Fee she did not have the time to discuss this with us, and called us back days later As you can see we have made every attempt to satisfy ***’s requests and have valued her as a customerUnfortunately, we closed ***’s account this past November***,

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID#***, and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
They have sent files that cannot be openedAnd once again I did not speak to *** *** everThey never gave me a total credit of $And if you check the messages I no longer have access to on my old account you can seeI am as I said willing to go to the media in regards to this and right letters to who ever I need to that is how strongly I feel about thisI have seen other complaints on the Revdex.com site and other sites in regards to the same thing happening to them and it is NOT RIGHTI am a single *** mother and I work hard for my money and it shouldn't just be stolen the way it has beenThis company has taken advantage and something needs to be done
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]
 I have read the response from the business and they are lying. [redacted] has never spoken to me. And each time I was told he would call me I never received a call. They NEVER refunded $325 dollars to me at all and when I first opened account at check cashing place nothing but the card was given to me. So all that he is saying is Not True. I have statements. They also closed my account with out telling me. I found out when trying to make a purchase and my card was getting declined. 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We received your electronic transmission ID#[redacted]
NexisCard is a Pre-Paid Debit Card that is to be used by individuals and not for business use. The card holder in question was brought to our attention by our bank because they were receiving direct deposits in a company name rather than their...

personal name. Once we researched the account we contacted the card holder on Oct. **, 2014 and advised them that the information we had on file for her was incorrect and that we needed to update it. The card holder refused to supply any information, we then explained that because we couldn't update the incorrect information and because she was receiving direct deposit in a company name we would have to close the account. 
We have since closed the account and have issued a full refund of the balance, $31.05 via check to the address we have on file.

Dear [redacted], We have read your response and attached are two PDF documents showing the dates and the amount's of fees that were returned to your account along with courtesy adjustments. You may match these up to your actual transaction history.Please note that we did speak on July[redacted], 2014 where I attempted to tell you about switching your card so that you would continue not to be charged "Load Fees" for your payroll direct deposit. Also attached is a copy of the letter mailed out to you, November[redacted], 2014 regarding canceling your account with us.

Review: I have had it up to my neck with this place!! I think it should be illegal the way these companies abuse the "fine print" associated with these fees that this particular company imposes on their consumer! This card reoccurs fees from merchants when you do not have money on the card and when you load it all of your money gets sucked into decline fees, you and the said merchant that they allowed access to your account don't get a dime but they will allow the merchant numerous attempts to collect. This card also charges one dollar every time you use it WITHOUT CONSUMERS BEING AWARE and often causes a decline fee when that fee is not accounted for and on top of that they charge another fee just to call to straighten things out. Its a total rip off and they always refer to the fine print but I bought the card from a local merchant about 2years ago and I was handed a card and a receipt of purchase, I knew there was a load fee and I was under the impression that there would probably be some type of monthly maintenance fee but this card is a very greedy one it costs more to use than it does to maintain. Its clearly designed to make money at the expense of their consumers trust. If I wanted to get robbed I could just walk around with cash in my pocket! UNARMED ROBBERY is being taking place Via METAbank and it needs to stop!!Desired Settlement: I would personally like to have all my decline fees refunded and would hope that in the future they could take in consideration that a prepaid debit card is for people without a good financial situation and deceiving the poor is shameful.

Business

Response:

We have looked into and responded directly to the cardholder regarding this complaint. We understand his frustration, but also acknowledge that the terms and conditions for the use of the card are clearly stated in print as well as online and always available to the cardholder. The fees associated with the card are well described and consistently applied. As for the cardholder in this complaint, we reversed a month worth of fees as a goodwill gesture. We hope this will satisfy the cardholder and this Revdex.com complaint. As always, we are here to serve our customers and help them in any way we can.

Review: I had a prepaid account with [redacted]. When I first opened account it was a at a check cashing store and I was only given a card no info about fees was instructed to me. Months later I received a new card with no info only saying activate if not your direct deposit could be interrupted. So I did. Never got a letter in the mail saying why or even informing me that a new company had bought out old company and that is why I was sent a new card. I found that out when I was switched to a new account not being told that either only when I called in because my direct deposit wasn't posting until later than normal. This company states they are better than a regular bank because they don't have as many fees. Every time you use your card there is a fee. You get a atm fee and there fee they charge a dollar to a dollar and 50 cents anytime card is used. I didn't find out until months of having card and complaining about fees that I could only take money off at check cashing for a 1.00 to avoid all fees but then what is the purpose of having a debit card. They canceled my card at one point and said it was compromised. But they never told me and when I went to use my card and was out I was embarrassed because they never called to tell me they had to close it. Then they said go to location get a new card and new account. I got the new card but they had it still connected to old account which made NO SENSE. The people there are rude and nasty. No one calls you back and they steak your money and then don't want to answer our questions or play a game of pass the ball with your calls. I recently complained about fees and they closed my account without my knowledge again. Said someone called me but that was a lie and I have a call record. They said supervisor [redacted] would follow up still never got a call. I have spend over $245 in fees between the last month and a half. I want them all back! It is not right to advertise the way you do and this company should be shut down because they are truly scam artist.Desired Settlement: I want a refund check off all fee's incurred!

Business

Response:

[redacted] opened her account with us 12/**/12. At the time of purchase, along with her temporary card she would have been handed a copy of our Terms & Conditions which outlines all of the fees associated with the [redacted]. Within 7 to 10 business days after her purchase of the [redacted] she would have received her personalized card in the mail, once again with a copy of our Terms & Conditions. Furthermore, when a card holder calls our 800# to activate their card they have to agree that they have read and understand our Terms & Conditions. I personally have spoken with [redacted] on June*, 2014 and we reviewed these fees and the ways she could use the card and save money. Over the course of the 23 month’s that [redacted] has been using her [redacted] we have worked with her on numerous occasions and have refunded close to $325 dollars or approximately half the fee’s she had incurred during this same time period. Also during this period her monthly fees were reduced to a little over $12 per month overall. We have also handled numerous disputed transactions that she had called in about stating that she did not approve them nor did she know about them. While [redacted] did switched banks, we were never sold or bought out. We did issue a new card to [redacted], and this was done in this way once again attempting to save [redacted] money. When we first attempted to explain the bank switch to [redacted] and how it we could eliminate her Direct Deposit Load Fee she did not have the time to discuss this with us, and called us back days later. As you can see we have made every attempt to satisfy [redacted]’s requests and have valued her as a customer. Unfortunately, we closed [redacted]’s account this past November[redacted], 2014.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

I have read the response from the business and they are lying. [redacted] has never spoken to me. And each time I was told he would call me I never received a call. They NEVER refunded $325 dollars to me at all and when I first opened account at check cashing place nothing but the card was given to me. So all that he is saying is Not True. I have statements. They also closed my account with out telling me. I found out when trying to make a purchase and my card was getting declined.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

Dear [redacted], We have read your response and attached are two PDF documents showing the dates and the amount's of fees that were returned to your account along with courtesy adjustments. You may match these up to your actual transaction history.Please note that we did speak on July[redacted], 2014 where I attempted to tell you about switching your card so that you would continue not to be charged "Load Fees" for your payroll direct deposit. Also attached is a copy of the letter mailed out to you, November[redacted], 2014 regarding canceling your account with us.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID#[redacted], and have determined that my complaint has NOT been resolved because:

[Your Answer Here]

They have sent files that cannot be opened. And once again I did not speak to [redacted] ever. They never gave me a total credit of $325. And if you check the messages I no longer have access to on my old account you can see. I am as I said willing to go to the media in regards to this and right letters to who ever I need to that is how strongly I feel about this. I have seen other complaints on the Revdex.com site and other sites in regards to the same thing happening to them and it is NOT RIGHT. I am a single [redacted] mother and I work hard for my money and it shouldn't just be stolen the way it has been. This company has taken advantage and something needs to be done.

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: Please be advised,pursuant to 18 U.S. Code 1028 Fraud and Other Related Activity The [NEXISCARD] holder [redacted]: [redacted] is Taking action against NexiCard(TM).Point A. [redacted] Recieved A Phone Call From A Blocked Number On or Around Friday October [redacted] 2014 Around 5:00 Pm EST.Point B. Someone Impersonating an employee from [NEXISCARD]Names [redacted], Repeatedly Attempted to coerce [redacted]: [redacted] Into Giving An Unidentified Agent Her Social Security Number.Point C. [redacted]: [redacted] has every right to protect her identity and chose to exercise her right to privacy pursuant to he PRIVACY ACT OF 1974 (Public Law 93-579), and 5 USC 552a (e)(3). [redacted]: [redacted] Refused to give her private information to the unidentified agent who called her phone from a blocked number and told the unidentified agent that she will not and does not use a social security number, and will not be giving her information out to some random caller in order to protect herself from Identity Theft.Point D. The Unidentified Agent questioned [redacted]: [redacted] about account activity, asking why she was receiving direct deposits from a company called [redacted]. As far as I know it doesn't constitute identity theft to receive payments from your employer via direct deposit. Sometime after the conversation with the unidentified agent calling from a block number, [redacted]: [redacted] Account With Nexis Was Terminated.Without any written notifications from Nexiscard.Point E. [redacted]: [redacted] is an independent private contractor who is the [redacted] of [redacted] and pays herself a salary and has her funds transferred via direct deposit from her verified [redacted] account to her nexiscard. Everything that took place was unprofessional and suspect.Point F. Would [redacted] Have received a phone call for receiving funds from an employer if it was a well known corporation or government program?Desired Settlement: 1. This Matter Can Be resolved by nexiscard providing [redacted]: [redacted] An Copy of the original contract/ application signed by her on the day she first applied for her nexiscard.2. [redacted]: [redacted] demands A Copy of forms that show how much she paid nexiscard in fees from the time she applied for her nexiscard until present. this information is being requested pursuant to the Freedom of information act.3.I Would Like The remainder of The Funds on mycard transferred back [redacted].

Business

Response:

We received your electronic transmission ID#[redacted]

NexisCard is a Pre-Paid Debit Card that is to be used by individuals and not for business use. The card holder in question was brought to our attention by our bank because they were receiving direct deposits in a company name rather than their personal name. Once we researched the account we contacted the card holder on Oct. **, 2014 and advised them that the information we had on file for her was incorrect and that we needed to update it. The card holder refused to supply any information, we then explained that because we couldn't update the incorrect information and because she was receiving direct deposit in a company name we would have to close the account.

We have since closed the account and have issued a full refund of the balance, $31.05 via check to the address we have on file.

Review: I attempted to make a purchase in the amount of $500 with Chase, but my Nexis card was declined. When I looked at my statement I saw that the $500 was still removed from account despite the fact that my card was declined. I had a [redacted] from Chase call the [redacted] of the Nexis Card and explain to her that the funds would not be collected, but the [redacted] from Nexis Card refused to release my funds. I was told it would take 2 business days for the funds to be released, but they still haven't been. I just checked the terms on their website and it actually says that it will take 15 days!!! I cannot have my funds held for 15 days; I have already explained to Nexis card that I need to make my car payment!!!!Desired Settlement: RELEASE MY $500 IMMEDIATELY!

Business

Response:

Thank you for forwarding this to our attention. We reviewed the notes in the case and made the immediate determination to release the hold to assist the cardholder. Funds were made available upon notice of this Revdex.com complaint, and the cardholder was notified. PPV further reached out to the cardholder to make sure that they had received the funds. Cardholder stated that everything was "Ok".

Review: My account balance is negative over seven hundred dollars. It is a pre-paid card and should have over sixty dollars available. Customer service charges make it costly in addition to difficult getting a member service rep on the line. With a negative balance I have been unable to pay the customer service call center, in order to continue attempting resolution.Desired Settlement: I would like access to my available funds. I intended to pay my cell phone bill, due today. However that's not possible, so my phone will be temporarily disconnected.

Business

Response:

We have researched this item and discovered that Macy's had made an initial authorization for $801, and then settled for multiple amounts that did not trigger the automatic release of the authorization. This resulted in a negative balance of -$737. Upon discovering the error, the authorization has been released, and the funds returned to the card. We have also credited the cardholder with $20 as a goodwill credit, and reversed any fees incurred trying to resolve this issue. We hope this settles the matter.

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 and the matter has been resolved.

Thank you for all your help @ Revdex.com. My dispute was resolved this morning, with $20, extra for the trouble. #AWESOME 04/**/2014

Sincerely,

Review: I requested, filled out and mailed in a request form for refund of charges due to the lack of customer service received from an airline. After many attempts to contact the airline with no return correspondence, I then contacted Nexis Card in an effort to get hem involved with the refund process. I was told by the first customer service rep that the process typically takes up to 30 days, and if no response received, the money will be refunded back to my account. I contacted Nexis Card today to find out the status of the refund as my trip is soon approaching and I have not received correspondence from Nexis Card. After speaking with a customer service rep at Nexis Card, I was told that the airline actually has until 5/**/2015 to reply to Nexis Card about the refund and if no contact is made by that date, the funds would be returned to my card. My issue is that the trip I am supposed to attend for school begins on 5/**/2015, and it is not fair that I have to respond in a timely manner, and these companies do not. No one at Nexis Card could properly explain to me what I was supposed to do in this case, as I am needing an airline ticket, and cannot wait until the day of my trip to find out a result of my refund request. This complaint is due to the fact that it appears as though this is being done purposely to avoid refund. It is no coincidence that the deadline for this airline just happens to be on the same day as my departure, and it presents as though both companies are trying to avoid providing a refund. I currently have a open complaint with the airline, and this is the second complaint I have completed on Nexis Card and it's policies. Once this is worked out, I will be closing my account with this company as it is painfully obvious that they are only interested in their bottom line and not customer satisfaction.Desired Settlement: a complete refund of the $197.00 spent for the airline ticket before 5/**/2015 so that other arrangements can be made for air travel.

Business

Response:

3/** NexisCard received a call from Card Holder (**) who wished to file a dispute but did not inform us of the transaction to be disputed.3/** we received a faxed dispute from the Card Holder and forwarded to our dispute department.3/**: Dispute dept. updated account with notes whi** reflect “Rcvd ** letter for Mar[redacted] Spirit Air $196.18 transaction, ** states that they only meant to book the hotel and not the flight too. ** followed the merchants refund policy to get credit. Prcssd CB, Merchant has until 5/** to respond , this is a non reg e dispute no provisional credit will be issued during the investigation. Waiting on mer**ant response.4/**: ** called with regards to dispute explained as per notes merchant has until 5/** to respond to dispute ** started arguing saying that no where does she see dispute can take up to 45 days, explained terms and conditions can be found online and advises Card Holder it may take up to 45 days to investigate your complaint or question, ** ended call.4/**: NexisCard Dispute Dept. Contacted Spirit Airlines and was informed that ** had only 24 hours to cancel their ticket pur**ase in order to receive a full refund. Card Holder did not call in until March [redacted] for a March [redacted] transaction which was outside of Spirit Air refund policy. The Card Holder still has an open ticket which she can utilize at any time, Card Holder was also informed if she no longer wants the ticket she can receive a flying credit with Spirit Air.NexisCard is not obligated to refund the customer and Spirit Air has advised the customer of the options available to her based on their refund policy.

Review: I have called and complained about a hold on my accoutn for almost a month. When you call, you get [redacted]s who tell you what you want to hear (ie, they are working on the issue), and they tell you to call back and check on the status of an issue, only for you to call back and be charged $2 per call. Once you call back, the CSR and [redacted] behave like they have no idea of what you are talking about, and claim that they need to redo the whole process and once again you get told to call back to check on the status. Since March the [redacted], I have called over 10 times in regards to this issue, and it is still not resolved. One [redacted] last week told me that they would put in the new request, and that they would put in a request for me to be reimbursed all of the fees to call back to speak to customer service.I then call today and get told that no such requests have been put in and an email that was already sent in would need to be resent in to release the hold. They continue to charge you fees to contact incompetent cunstomer service because of their errors, and will not refund the charges.Desired Settlement: I would like the hold of $17.68 released, and I would like to be refunded the $20 for the numerous calls I have needed to make in regards to this issue.

Business

Response:

After reviewing the cardholder's account, we noted several items with our outsourced call-center that did not conform to our guidelines on Customer Service. We have immediately addressed these issues and reinforced our company policies with them. We have also reached out to the cardholder directly, reversed any fees incurred, released the hold in question, and made a good-will gesture in the amount of $25.00 to apologize for any inconvenience.