AccountNow

Initial Business Response / [redacted] (1000, 5, 2015/09/18) */ On 9/11/15, we processed a replacement card and shipped express mail at company expenseWe called the customer at the telephone number on file: (XXX) XXX-XXXX to advise her the replacement card would be delivered on 9/15/There was no answer and we were unable to leave a message On 9/14/a call was placed to the telephone number provided with the complaint; XXX XXX-XXXXThe customer returned the call and we advised the customer that a replacement card would be delivered to her on 9/15/ The customer stated that she incurred late feesWe provided the customer with the AccountNow fax telephone number; (XXX) XXX-XXXXCustomer requests for reimbursement require verifiable statements or bills with the fees incurredThe customer has submitted documentationIt will be reviewed for paymentChecks may take up to weeks On 9/15/15, the replacement card was activatedWe apologize for any inconvenience experienced by the customer

Initial Business Response / [redacted] (1000, 5, 2015/10/05) */ On 9/23/15, we conducted a conference call with the customer and a Hertz Car Rental Customer Service Agent; [redacted] , agent number *** [redacted] advised that the car was rented through Hotwire.com and since the final bill was processed by Hotwire, the authorization hold would not be matched off [redacted] stated that she would request a hold release letter be sent to AccountNow On 9/24/15, we had not received the hold release and we called Hertz car Rental againWe spoke to David, agent number ***He stated that the release had not yet been sent by HertzHe sent another request to have the release sent to AccountNow On the afternoon of 9/24/15, the Hertz authorization hold release letter was receivedThe hold for the $was removed and the customer was advisedThe customer stated that he would cancel the Revdex.com complaint Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/10/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) I went on to the Revdex.com to cancel the complaint but could not find itWithin hours, we had a call from [redacted] who was very nice and everything happened just as he said that it happenedI have been a customer of Accountnow for over yearsI have never had a problem and when I did, I was very happy with how it was handledI would like this complaint to be cancelled

Initial Business Response / [redacted] (1000, 5, 2015/03/18) */ We have prepared and mailed a letter that includes the information that we used to arrive at our decisionThe letter was mailed on 3/17/ Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/03/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) Account NOW is OUTRIGHT LYING! Oh my GOD! I received their letter in the mailI'd think it was a joke if it wasn't so incredibly shocking and disgusting FIRST, it said that there were FIVE UNDISPUTED CHARGES at the BIG DEAL SUPERSTORE since February Oh my GOd, they are LIARS! I have never been to that store in my life, let alone to the BRONX in YEARS!!!!! It said that there were undisputed charges with Gamestop since 2013! I SAID that I have been to the GameSTOP stores in the past in my letters to ACCOUNTNOWThere are DOZENS of GAMESTOP stores in NYCI have never disputed those because I made those charges! I have NEVER EVER EVER been to a GAMESTOP in the BRONX, and the only time I spent that large amount of money was when I bought the WiiU system for my daughter in December of Liars!!!!! Finally, the bank said that the balance on the card was almost depleted and yet there were no inquiriesLYING AGAIN! The money was depleted on the SAME DAY (12/4)and I called as soon as I noticedWhy are they LYING!?! And what about the sneaker store? OMG, barring Gamestop, these aren't even charges I would use AccountNOW, stop LYINGNow I am really angryI DID NOT make these charges, and I want my money refundedI'd also like to see this alleged PROOF that I went to these stores! I'm locked out of that former account and have been since I disputed I am shocked and APPALLED by AccountNOW's behaviourHow dare they???? I HAVEN'T BEEN TO THE BRONX IN YEARS, ACCOUNTNOWWhy in the world would I be escalating this? Paris? Yes! Went last summerLONDON? Yes, that's my homeWent last summer, had a freaking blast The BRONX!!!!!??? NEVER!! I apologize to the Revdex.com rep who has to read thisI'm British, and usually very calm, cool and reservedI'm absolutely appalled and disgusted by AccountNOW's behaviourHow repulsive I do NOT accept this decision at all Final Consumer Response / [redacted] (4200, 11, 2015/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received NO callsThe bank tried this beforeA woman from the "investigator's office" calledI called her back several timesI always got the machineI even left her a message as to when I would be available since I work in production Please send an email leaving the NAME and NUMBER of the "investigator" ONLINE (here or via email), and the day and time that I should callI will reply to the email confirming receipt I would ALSO like a printout of my AccountNow account from all of I have no access to it at all, and it absolutely GALLS me that the bank can just say, "Oh, yeah, uh, we saw you want to this completely random part of town and spent money in the randomest of stores multiple times, so, oh well." The bank thinks this is just about $It was at first, and now it's moreIt's about a bank lyingI am being accused of theft and then trying to scam a bankI did everything right the minute that I discovered the theft that took place over the course of ONE DAY,in ONE part of town and the bank said I didn'tI filed a claim as soon as I discovered the theft THE NEXT DAY, and in the latest letter from the bank, it said I did NOTHINGEven though it's all in writing and in the bank's own records! How do I fight that? It's hard to know whether to laugh or cry AccountNow, please leave a phone number and a name ONLINENo vague claimsPLEASEYou have my emailIt's the one I emailed you from the day after the theft even though you said I didn't I'm a senior production manager: the money that was stolen is a DAY rateMy issue is that someone can steal from me and a bank can say it never happened, call me a liar and a thief, and that's the end of it Via email, please send a day, time and name of a person that I should callI will reply to that email saying that I will do itTHEN, everyone is covered and this can be resolved Thank youSorry, Revdex.com rep, I know you get millions of these complaints a year, and it must make work...interesting, lolBut I never stand up for myselfThis time I amThanks so much Final Business Response / [redacted] (4000, 13, 2015/04/29) */ We have called and attempted againWe request at this time that the customer provide us with an alternate number and or a day and time that she will be available when the investigator calls

Initial Business Response / [redacted] (1000, 8, 2014/05/21) */ We reviewed the calls related to this matterThe card was closed and replaced because the customer called to advise us that she could not locate the cardThe agent offered her the option to look for the card and the customer declined, stating that she did not have timeThe card was closed and a new card issued We do not find that she was left on holdIf she called from an alternate telephone number, please provide that number to us and we will continue to research the calls Our records indicate that the new card has now been received and activated Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/05/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have never declined time to find my card why would I do that if she was giving me extra time I never sated my card was lost I merely asked the cost of a replacementWhich she concluded my card was lost and blocked it I have my sprint spine bill which can show the amount of call and good time I have experienced when dealing with those people at account now they are rude and play the language barrier game I have since left the company in all because of my digits with their customer service and I'm baffled at the response they sent ! I have also called from my work phone XXXXXXXXXX as well as my cell XXXXXXXXXX so if they would like to play hardball I can present proof of my wait times :)

Initial Business Response / [redacted] (1000, 5, 2015/11/13) */ Customers with a history of two qualifying deposits may qualify for their direct deposit to post up to two days earlyCustomer accounts without a history of direct deposit do not qualify Our review of the customer call history shows the customer contacted AccountNow on 10/28/and requested a status of his direct depositWe asked the customer if this would be his first deposit on this account and the customer stated that it would beWe advised the customer that there were no pending deposits and we provided processing informationThe customer stated he wanted his deposit posted upon receipt and not on the date it was scheduled to postThe Customer Service Agent advised the customer that an account must have a history of at least two direct deposits, before the account qualifies for an early postingThe customer was not happy with the information and we apologizedThe customer then hung up We received two additional calls from the customer on 10/28/During these calls, we advised the customer that there were no pending deposits On 10/29/15, the customer called and stated he has a pending deposit coming through that was supposed to have posted yesterdayWe advised the customer that his deposit should post on 10/30/The cardholder stated that was unacceptable and he wanted it to post nowWe advised the customer it could not be posted early because his account did not meet the qualifications and the customer asked for a supervisorUpon the customer's insistence, his call was transferred to five Supervisors who each advised the customer of the policy for early deposit and that his account did not currently qualifyThe customer refused to accept the information The last AccountNow employee to speak to the customer on 10/29/15, asked if the policy for early posting of deposits had been explained to the customerThe customer said no and the Supervisor then explained the qualification for early posting of direct depositsWe advised the customer that we require a history of qualifying deposits before we will post the funds a day or two earlyWe advised the customer that this account does not have a history of previous deposits and does not qualifyThe customer stated "so nothing's going to happen?" The Supervisor responded "unfortunately no"The customer stated that he had already complained to the Revdex.com, Attorney General and FCC and he will involve social media Our review of the history of the customer calls shows that the customer was provided with the policy during his first callOur records show that the customer was advised several more times that his deposit did not qualify and that we provided the qualifications for early posting of a direct deposit several times The customer may contact us at (XXX) XXX-XXXX with any additional questions Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) This is a bold lieI do have more than one account with account now and I WAS told to use this one and it WOULD link with the other accounts and I would not have to wait the days! The reps exact words were I guarantee it! But I'm sure that you won't be able to find that call huh seeing how after reading your response how you massage the truth to make the customer look bad leaving out all the details of how I was treated on those callsYou even made me wait again on my next depositYou are liars and you once again prove how manipulate you are

Initial Business Response / [redacted] (1000, 5, 2015/08/06) */ This account was restricted for customer verificationWe require a copy of the customer's photo identification, address verification such as a utility bill dated within days, a photocopy of the front of the AccountNow Visa card and a copy of the cash deposit receiptWe have not received the customer's photo identification, or the utility billThe telephone number on file has been disconnectedThe telephone number provided with the complaint has also been disconnectedWe request the customer provide the remaining documentation and a working telephone numberThe customer may contact us at (XXX) XXX-XXXX

We are unable to locate the account that is referenced in the complaint.On 3/29/we called and left a message for the customer.On 3/30/we placed a second call and we were unable to reach the customer.We require additional information to investigate this complaintThe customer may call us at [redacted]

Initial Business Response / [redacted] (1000, 5, 2014/08/29) */ The account issue has been addressed and the customer has been advised Initial Consumer Rebuttal / [redacted] (3000, 7, 2014/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) the dispute claims I sent in for money that was taken off my card, I havent got back and they sent me a new card because of the dispute, but didnt let me activate my new one, says I have to use my old one, I dont get it.and now I cant even see my statement online because it's under the new card I am not aloud to use.I want my refund for my disputes that is for this company NOSTALGIACAKES SHANGHAI I did not authorize charges of 50.33, 50.33, 50.35, 45.28, and international pin charges for each of these 1.49, also disputed this company FHT*BSCOMICS LTD, for I would also like the cents back everytime I have called them they take out of my account to resolve these mattersand I did send in my documents they requested, still nothing(Less)

Initial Business Response / [redacted] (1000, 5, 2015/03/23) */ The cards state on them that they are not gift cards and the fees are disclosedFunds will not be refundedThe recipient should discuss with the purchaser Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/03/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) The fees are disclosed ON THE INSIDE OF THE PACKAGE not on the outsideThis is a deceptive business practiceThere is no information on the packages stating that $will be deducted the day after purchase and every month thereafterAgain, this is deceptiveIf your company is legitimate then they will state the costs on the packageI'm sure many people have been duped by this shady business practice Final Business Response / [redacted] (4000, 9, 2015/04/01) */ The fees are disclosed and the packaging states that the card is not a gift cardMs [redacted] will need to discuss this with the purchaser of the cardsWe will not refund the $

Initial Business Response / [redacted] (1000, 7, 2015/07/21) */ We denied the claim and have mailed the details we used in arriving at our decision by mail as requested by the cardholder Initial Consumer Rebuttal / [redacted] (3000, 9, 2015/07/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) I still Haven't received any information Regarding their so called investigation for my claimInformation showing The reason Why my claim was denied.This is unacceptable and a really big inconvenience.I feel That account now could have been a little more sensitive Towards me considering I've been Dealing with them for Over 3yrs now With no incidents whatsoever and They could have done a more thorough investigationSomeone made Unauthorized purchases From my account without my knowledge..These purchases had to be made with credit therefore there should be signatures on receipts at the merchants..So whoever made these purchases had to sign for these Items and show Identification Final Business Response / [redacted] (4000, 15, 2015/09/28) */ ***Document Attached [redacted] On 7/27/another copy of the AccountNow dispute denial letter was shipped to the customerOn 7/30/the customer signed for the package Final Consumer Response / [redacted] (4200, 17, 2015/09/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) No I do not accept the resolution that was offered to meI had unauthorized purchases that occurred within days those purchases was made with credit therefore the merchants should of ask for identification and signature At the time of purchase..I don't think it's fair to me because I visited businesses in the past but not the same locations..I work for a trucking company therefore I am all over town making deliveries.I really don't understand why my claim was denied in the first place I trusted account now to protect my funds and had been doing so for years now all of a sudden there's a problem..I wouldn't recommend anyone to use account now prepaid card

Initial Business Response / [redacted] (1000, 5, 2015/09/18) */ On 9/14/15, we spoke to [redacted] in the Accounting Department at the hotel W Chicago-City CenterMr [redacted] confirmed an authorization hold was placed on an account belonging to [redacted] on 7/31/The $ authorization hold was placed on the account for incidental hotel charges, should any occurMr [redacted] stated that he had advised the customer that the hold would be released in 7-business days and the full $amount restored to Mr [redacted] 's account if there were no chargesA review of Mr [redacted] 's AccountNow account shows that there are no current authorization holds and the hotel has not posted a debit to Mr [redacted] 's account We contacted Ms [redacted] and she advised that Mr [redacted] is her fiancé and he accompanied her during the stay at the hotel W Chicago-City CenterWe advised Ms [redacted] that authorization holds can be placed on accounts by merchantsThis is described in the Cardholder AgreementThe duration of an authorization hold is based upon the transaction typeThe duration of the hold for a hotel is business days We advised Ms [redacted] that there are no authorization holds from the hotel W Chicago-City Center at this timeMs [redacted] stated Mr [redacted] believed $was still being held and unavailable to him On 9/15/15, we spoke to Mr [redacted] and advised him that there are no current authorization holds on his account and based upon the business day hold, the $authorization placed on his account by hotel W Chicago-City Center, would have expired on 8/14/ We reviewed the transactions on the account with Mr [redacted] from 7/30/15, the day before the $authorization hold and afterMr [redacted] requested we speak to Ms [redacted] and we reviewed the transactions with Ms***We advised Ms [redacted] that she and Mr [redacted] may review transaction history through the AccountNow customer centerThe Customer Center will display all credits and debits that have posted to Mr [redacted] 's accountIf they identify a discrepancy, they are encouraged to contact AccountNow at (XXX) XXX-XXXX At this time, we consider the issue resolved

Initial Business Response / [redacted] (1000, 5, 2014/11/03) */ We have researched this matterWe found that the the reason that credit was not granted was because the referrals did not use the referral code Because the agents did not explain this upon the initial calls regarding the matter, we have granted Mr [redacted] the credit for his friendsWe are continuing to research this matter to locate the friends to also grant them credit If Mr [redacted] is to receive additional credits, he must ensure that his friends use his referral code Initial Consumer Rebuttal / [redacted] (2000, 7, 2014/11/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept because I got what was advertised

Initial Business Response / [redacted] (1000, 5, 2015/02/17) */ Our policy for verification requires and unexpired photo IDOnce we received the unexpired photo ID we reinstated the account Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/03/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) The issue wasn't anything to do with verificationThe issue is why were the accounts blocked in the first placeI have read all of the terms and we did nothing wrongThere customer service people told us it was from a card to card transfer the was for $and that we can only allowed to transfer $per day, but the terms say so this all happen for no reason and caused a lot of problems and late payments Final Business Response / [redacted] (4000, 9, 2015/03/11) */ The following is disclosed in the terms and conditions: "We may cancel or suspend your Card or this Agreement at any time." Based on the activity to the card, we suspended the account and asked for verification documentation

Initial Business Response / [redacted] (1000, 5, 2014/07/14) */ We apologize for the inconvenienceThe account has already been closed at the customer's request

The customer has accounts which have received Social Security benefit depositsThe customer has previous accounts which have all been closed with a $balanceOn 11/3/the card ending in ***, associated with account number [redacted] , was restricted because an invalid CVV code was entered into the AccountNow.com customer centerOn 12/3/AccountNow received a TRACE request from the US Treasury, initiated by the Social Security AdministrationA TRACE request is an indication that Social Security has received a report of missing benefitsWhen we receive a TRACE request, we close the account and require a Letter of Indemnification from the US Treasury for the return of the remaining fundsAccount number [redacted] was closed for this reason.On 12/16/we received a call and the caller was verified as the customerThe caller reported the Visa card ending in ***, associated with account number [redacted] , had been lostThe account was restricted and a replacement card was mailed to the customer at the address on fileOn 12/17/we received a call and the caller was verified as the customerThe caller stated that she had not reported the card as lostWe restricted the replacement card and we advised the customer that because we have multiple callers on the account, we require documentation to verify her identity and addressOn 2/26/we received a copy of the customer's photo identification card and a mailerThe photo identifications does not list the customer's current address and we are not able to verify the address from the mailerWe advised the customer that we require a utility bill dated within days to verify the her addressThe customer has stated she is homeless and we requested an alternative to a utility bill such as a bank statement, insurance statement or other verifiable documentationThe Social Security benefits which posted to this account may also be returned to the US Treasury upon receipt of a Letter of Indemnification.On 3/23/we called the customer at the telephone number listed on the complaintThere was no answer and the number does not allow a message to be leftWe also sent an email to the address provided in the complaintWe provided an AccountNow contact telephone number in the emailThe customer replied and requested the telephone number to callWe provided the AccountNow contact telephone number a second time.We have not received a call from the customerWe request the customer call us at ( [redacted]

Initial Business Response / [redacted] (1000, 6, 2014/08/29) */ Credit was provided on 8/26/upon completion of the investigation of errorA copy of the transactions were sent to the consumer at the same time an error claim form was requested

Initial Business Response / [redacted] (1000, 5, 2014/11/25) */ The package received was an offer for a cardThe consumer should destroy the package mailedWe have removed her name from our mailing list and will not mail any additional offers

Initial Business Response / [redacted] (1000, 5, 2014/12/30) */ There is a fee that is applied at first load and then monthly thereafterThis fee is disclosed in the termsOur records indicate that this was also explained by telephone on 12/18/and again on 12/21/

Initial Business Response / [redacted] (1000, 5, 2015/05/27) */ The claim was filed in our office on 5/11/We asked for written confirmation of the error, which as of 5/27/15, has not been returnedIf the written confirmation is not returned within business days, under regulation E, we may extend our investigation to days without issuing provisional creditThis is explained in detail in the terms and conditions The investigation was however completed today and ruled in favor of the customerWe did not issue provisional credit, instead we issued final creditThe claim is finalizing and final credit will be applied to the card account by the end of business 5/27/and all applicable notifications will be mailed

Initial Business Response / [redacted] (1000, 5, 2015/06/22) */ There is one $fee that has been chargedThe fee has been creditedIf the customer wants to send the disconnect notice and the invoice showing the reconnect fee, we will review the documentation to see if any reimbursement is due The documentation must be the original documentation provided by the carrier and can be faxed to XXX-XXX-XXXX Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/06/25) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept & I hope they honor there word