AccountNow

Initial Business Response / [redacted] (1000, 5, 2014/10/15) */ Access to the funds was refused because the sender claimed that the transfer to the card was unauthorizedWe will not allow access to the funds and the card has been closedIf the consumer has any questions about the status of the funds, he should contact the party that the funds came from Initial Consumer Rebuttal / [redacted] (2000, 13, 2014/10/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Happy that the account has been cancelled!!!!!!!

Initial Business Response / [redacted] (1000, 5, 2014/07/29) */ A new card was mailed and activated on 7/17/We did not assess a fee for the new cardAccess was granted to the deposit on 7/11/while the new card was in transit

Initial Business Response / [redacted] (1000, 5, 2015/02/27) */ A check for the balance was processed and mailed to Mr [redacted] He was advised of the decision by telephone

Initial Business Response / [redacted] (1000, 5, 2015/02/11) */ The $was previously returned to the card when the authorization expired We have pulled the calls placed by Mr [redacted] He was calling our office when we were experiencing some telephone issues due to heavy call volume that was not resolved until late on 2/6/We sincerely apologize for the frustration but we want to assure Mr [redacted] that our agents were not intentionally dropping the calls We also want to apologize for his frustration related to the $authorization holdOur policy is not to release pay the pump authorizations, however, we do have a review policy related to possible issuesWe assure Mr [redacted] we are looking into the matter as to why we did not work with him to release the $earlier Again we apologize and thank him for bringing this matter to our attention

Initial Business Response / [redacted] (1000, 5, 2014/05/02) */ The card is not a gift card or rebate cardThe card is a prepaid debit card requiring fundingThe agent attempted to explain this during the call The card is activated and we can see that there is a declined transaction for $ The transaction declined because the card is unfunded If the card was given to the consumer as a rebate card, the consumer should contact the giver to inquire At this point in time we have closed the cardIf the consumer believes it was a rebate card given to them, they should be aware that the card has their name, date of birth, address and social security number and if a party provided the card to them as a rebate card then we are concerned with the application In order to keep the card, we will require full identity verification

Initial Business Response / [redacted] (1000, 9, 2015/05/22) */ A message was left for the cardholder on 5/We can transfer to an active card if she has the cardNotes are on the account and as of this date a return call has not been received Initial Consumer Rebuttal / [redacted] (3000, 11, 2015/05/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I repeatedly asked them to unlock the card I have to receive my paycheckThey locked it without my permissionI have been getting the run around with them for over a month nowThere was no possible compromiseI do not even shop at home DepotThey also told me once I got a new card in the mail that it would transfer right awayMeanwhile, they closed the locked card before it could transferThey can't do thatIt is against my rights Final Consumer Response / [redacted] (3000, 20, 2015/06/12) */ (The consumer indicated he/she ACCEPTED the response from the business.) I received a card maybe weeks ago ending in ***Please transfer my funds immediately Final Business Response / [redacted] (4000, 22, 2015/06/22) */ The funds have been moved

AccountNow accounts may be funded by deposits in the customer's name and all deposits are subject to verification and deposit limitsDeposits not in the customer's name or with details which do not match the customer account profile are subject to verification and may be returnedOn 3/10/a tax refund for a third party was received and the customer account was closedThe tax refund was returned to the OriginatorA second tax refund, in the customer's name, was received after the customer account was closed and the tax refund was also returned to the originatorThe customer will need to contact the [redacted] e regarding the status of the returned refunds.The customer may contact us at [redacted] with any questions

Initial Business Response / [redacted] (1000, 5, 2015/01/15) */ The funds have been movedTwo transfers occurredOne on 1/9/and another on 1/15/The closed account now has a zero balance Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/01/19) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 7, 2014/03/06) */ We have advised Mr [redacted] as to the status of his account and the card balance, outside of a public forum Initial Consumer Rebuttal / [redacted] (3000, 9, 2014/03/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) All I was told was my money had been sent back to Irs on the 22nd of Feb and as of today the Irs has not received refund Final Business Response / [redacted] (4000, 11, 2014/03/22) */ The remaining funds on the card were returned to the IRSThe funds were returned to the investigation unit of the IRS and we have received confirmation of recallWe cannot offer any additional information related to the timing as to when they will provide a status update on the funds that we returned

Initial Business Response / [redacted] (1000, 5, 2014/07/31) */ The $fee is clearly disclosed in the termsSince the consumer is not happy with the account, we have waived the initial feeThe fee has been credited back to the account The new monthly fee will charge on 8/15/and we will not waive any additional fees since the consumer agreed to the terms

Initial Business Response / [redacted] (1000, 5, 2015/08/06) */ We received a written notice from the customer on 06/23/related to unauthorized transactions totaling $We show that the customer received a $credit for one of the disputed transactions on 4/25/ On the written notice, the customer stated that he has possession of his AccountNow Visa cardFor the transaction related to the White Sox vs A's baseball game on April 13, 2015, our research with the merchant "Tickets" confirmed the name and address in the merchant records match what we have for the customer We show the customer's confirmed telephone number accessed the AccountNow account to review transactions and check the balance on April 15, The disputed transaction with the merchant had already occurred by this timeWe also captured an IP address which was used to access the account a total of times during the period while the disputed transactions occurred Based upon the facts available to us, we have denied the claim Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/08/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) fIRST OF ALL I DID MOT PURCHASE ANY TICKETS FOR THE A'S GAME AT NO TIME EVER, WHAT ADDRESS WHERE THE TICKETS SENT TO/ I DID NOT MAKE CHARGES THAT I AM CLAIMING TO BE UNAUTHORIZED WHAT HAPPENED TO THE OTHER $THAT WAS SENT TO YOU AS A CREDIT REFUNDED FOR ONE OF THE UNAUTHORIZED CHARGES IT DOESN'T MATTER HOW MANY TIMES YOU MAY RECEIVED A CALL NOR HOW MANY TIMES IVE LOGGED ONTO THE ACCOUNT ITS PROBABLY BEEN TO SEE THE STATUS, I WANT THE MONEY THAT BELONGS TO ME, SEND ME THE DOCUMENTS YOU CLAIM TI GAVE THAT YOU USED IN MAKING YOUR DECISION, I HAVE ALREADY ASKED THAT THE CLAIM BE REOPENED AND REINVESTIGATEDWHAT YOU DO MUST BE ILLEGAL Final Business Response / [redacted] (4000, 11, 2015/08/27) */ On 8/25/15, credits of $were applied to the customer account and telephone messages were left for the customer The customer may contact us at (XXX) XXX-XXXX Final Consumer Response / [redacted] (2000, 13, 2015/08/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 5, 2014/02/26) */ The bank policy is that the primary name of the refund must be in the name of the primary customerIn this case the refund did not have Ms [redacted] name on the refundThe bank will typically reject the item initially, but due to a processing issue, the tax deposit was acceptedOnce this was identified, a suspension was placed on the card to allow Ms [redacted] the ability to provide verfication, instead of returning the item back to the IRS due to a name mismatch Once we obtained the necessary documents, we completed the review and lifted the suspensionThis occurred on 2/19/We do apologize for the inconvenienceHowever, this measure is taken to assist in reducing the amount of tax fraud that occurs every yearIt is an effort to protect our cardholders and other tax payers

Initial Business Response / [redacted] (1000, 5, 2015/06/16) */ We investigated the claim and did not find an errorWe spoke to the customer on 6/1/and advised her of our findingsShe asked for copies of her billing statements and copies were requested to be mailed to her Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) According to Account now, just because there were previous transactions with Comcast they told me that the may4th transaction was correctAnd it was not authorized! Disputes dept, doesn't call back until a month after I filled my complaint telling me that all they can do is email me my statementsThat's ridiculous, especially after I placed numerous calls thru out the month of May trying to resolve this Final Business Response / [redacted] (4000, 13, 2015/07/21) */ We denied the claimIf the customer has additional details that she would like us to consider, she may provide them, but we investigated the claim and did not find an errorThe claim has been denied Final Consumer Response / [redacted] (4200, 15, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) Per 3way phone conversations with Comcast, Accountnow disputes and myself taken place to verify to Comcast date and amount of funds taken from my account unauthorizedBoth times Comcast requested from Accountnow either a screenshot showing transaction, or the ach tracking transaction #Comcast was willing to credit my account the $for that informationThe Accountnow dispute rep said they can't do screen shots not print out paper statements and didn't know any of the ach tracking Id informationPlus it was never sent to me either as I requested from Accountnow.....I have names, times and dates of each call to Accountnow and what I was told each time, regards to this matter and would be glad to forward it...thank you

Initial Business Response / [redacted] (1000, 5, 2014/08/06) */ An agent worked with the consumer on 7/29/to address the reasons why a card was not immediatly replaced and was delayedThe consumer requested a check by expedited delivery and requested that the card remain closedThe agent agreed to send a check for the remaining balance by expedited deliveryThe agent submitted the check request on 7/29/It was approved and submitted for processingThe check was produced and mailed by expedited delivery on 7/30/We have confirmed that the check was delivered on 7/31/to the address providedIt was delivered to the reception area and signed for by LOYTo date the check has not been cashed The consumer should contact the front desk if she has not received the package from the signerThe tracking number on the package is [redacted] XXXXXXXXXX and it was delivered by UPS

Initial Business Response / [redacted] (1000, 13, 2015/07/21) */ Our records do not show that any funds have been placed on the cardTo process the request further and to ensure that we have the correct account, we will require a card number A call was attempted to the consumer but the consumer keeps hanging upHe will need to contact our offices with the card number to provide additional assistance Initial Consumer Rebuttal / [redacted] (3000, 17, 2015/07/22) */ 7-22- Sent via email: my name is [redacted] I tried to contact you after you reaplyed to my tex to you about being took for 29dollars by the company you work for I was going to use youre card for my medications there was nothing in the envelope that said anything about a dollar fee for using that card I purchased a pack of smoaks and a soda that was a expensive pack of cigs dont you thinkwould you allow this to happen to youall I want is my money that was all I had to get my medications with I just need my money back ill get money orders and mail it I cant afford youre credit card or any of youre help thank you for youre help my email acct is [redacted] @gmail.com [redacted] Final Business Response / [redacted] (4000, 20, 2015/08/04) */ This complaint is unclearWe show that the customer's account was opened on 4/21/and that the account has been funded and transactions have occurredThe last transaction was a purchase which occurred on 7/22/We attempted to reach the customer at the telephone number provided in the complaint on 8/4/and there was no answerWe were unable to leave a message as the mailbox was fullWe were able to leave a message with a third party on 8/4/who answered the telephone number listed on the customer's accountWe request that the customer contact us and provide additional information regarding his complaintOur customer service telephone number is (XXX) XXX-XXXX

Initial Business Response / [redacted] (1000, 5, 2016/01/22) */ On 01/13/the customer filed a dispute claim for $representing the amount of the 1/13/transaction from First Midwest BankOn 1/22/a provisional credit of $and a credit for $representing the 1/13/ATM service charge fee, were applied to the customer accountWe will contact the customer with the final decision on the dispute by 3/6/ The customer may contact us with any questions at (866) 925-

Initial Business Response / [redacted] (1000, 8, 2014/05/08) */ We conducted and investigation into the claim and based on the facts, the claim was deniedA denial letter was mailed to the consumer on 4/15/If the consumer has additional facts that she would like to provide related to the claim she may contact our office and speak with the investigator Initial Consumer Rebuttal / [redacted] (3000, 10, 2014/05/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't understand why the claim was denied and I never received my tax refuned Final Business Response / [redacted] (4000, 12, 2014/05/21) */ The information related to the denial has been provided to the customer by the investigatorThis information was provided on 5/13/

Initial Business Response / [redacted] (1000, 5, 2015/04/06) */ The card was expedited and activated on 4/2/

Initial Business Response / [redacted] (1000, 8, 2015/02/19) */ The fee was disclosed in all the materials included with the card and is disclosed on the websiteA refund of the fee is not due

Initial Business Response / [redacted] (1000, 5, 2015/12/16) */ On 11/18/AccountNow received a deposit trace request from the Social Security AdministrationA trace request is normally initiated when the Social Security Administration receives a complaint of non-receipt of benefitsAccountNow called the customer at the telephone numbers provided to us and we were unable to reach the customer or leave a message because the voicemail box associated with the customer telephone number had not been establishedWe restricted the account until verification was completed On 12/15/we were able to reach the customerThe customer stated that he had not contacted the Social Security Administration prior to the account restrictionWe requested the customer provide his photo identification and a bill to verify his identity and addressThe customer refused and requested that the remaining balance on his account be returned to the Social Security Administration On 12/16/15, the Social Security Administration refused to provide a recall noticeWe advised the customer his account would be closed and a check will be sent to him for the remaining balance