Zebit Inc

I am unable to see any additional comments or details from the consumerThe following is all I see and therefore I don't have any information needed to formulate a response.Warm Regards,*** A.Director, Customer ServiceZebit, Inc.*** *** ***
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From the BUSINESS:Sent 6/5/2:20:PMHello ***,I am sorry that we have not been able to resolve your application statusThe third party provider that we use to validate identity is called Lexis NexisAt this time, my suggestion is that you work directly with them to request a copy of your identity report and review any multiple identities in your profileYou can begin that process at the following link: https://personalreports.lexisnexis.com/ or you can also contact their customer service department directly at 888-497-***While I am unaware of their policies and/or procedures, they may be able to work directly with you to review your identity report and clear up any multiple identitiesWe regrettably don't have a way to override the result that we get from them and as such we don't have a way to complete an application for credit if/when we are unable to validate identityI hope that Lexis Nexis is able to provide you assistance. Regards,*** A.Director, Customer ServiceZebit, Inc

Hello ***,Thank you for your feedbackZebit does not run any credit checks as part of our approval processEverI sent you an email yesterday morning asking you to send me screen shots of where you are seeing separate hits to your credit report from Zebit so that I can pass that along
to our Legal Team for reviewAs of now, I have not received any response or screen shots of what you are referring toIf there were hits, that is a problem since we do not run any credit checksI reviewed your application for a Zebit account and see that you didn't complete the application and abandoned the processI see that our system sent you notification that we were unable to process your application as it was "incomplete"We did not say that you were not approved due to your creditWe would never not approve an application due to someone's credit rating since we do not run credit checksPlease do provide us with evidence of any hit to your credit report from Zebit as we need to investigate this right awayAgain, we do not run credit checks, so if one was done, something is not right and we need to investigate it immediately.Warm Regards,*** **Director, Customer ServiceZebit, Inc

Hello ***,I am very sorry for the experience you have had with ZebitUpon reviewing your account, I do show that we had to lower your available Zebit credit due to a system errorSpecifically, when you registered for Zebit, the system doubled your annual income amount and thus calculated your
credit line off of an incorrect income amountSo that we were not extending credit beyond someone's means, we had to make an adjustment to the calculation of your credit and lowered it to match your actual annual incomeThe Zebit Account Holder Agreement you have received via email when being approved for your Zebit Account, indicates that we reserve the right to lower a ZebitLine as part of an ongoing verification of AccountsI am sorry that you were impacted and we do appreciate your payment history with usWe have taken measures to review our underwriting systems to do all we can to avoid issues in the futureWe will continue this effort so that we can avoid disappointing our members.Warm Regards,*** *.Director, Customer ServiceZebit, Inc

From the BUSINESS:Sent 5/31/12:04:PMRead by ***@gmail.com on 5/31/10:36:PMHello ***,Per my response to your previous Revdex.com complaint, I am very sorry for the frustration you have had with ZebitAs previous explained, all of our applications go through multiple identity and fraud checks These are not credit checks, however, we use a third party service provider that looks at data from several sources related to things like name, social security number, date of birth, and address in an attempt to validate the applicant’s information We rely on this third party service provider and the veracity of their underlying information, which at times can be imperfectDuring the application process we received information that your identity couldn't be validated through our third party providerUnfortunately, our current system does not allow such instances to pass and we do not have the ability to override that information on a case by case basis at this time.We take the quality of service that our Customers receive very serious and I see that we received emails from you regarding this issue and responded appropriately, with the information that we had availableOur Customer Service center monitors and records inbound calls and after looking for any calls from the phone number you provided on this Revdex.com complaint (and your previous complaint), I am unable to locate any callsIs it possible that you contacted us from a different phone number than the one you have provided here? If so, please provide that phone number and the date that you contacted us by phoneI definitely want to review any calls and understand the service that was providedIf it was not up to our standards of highest quality, I want to address this immediately with any staff that you spoke withWe do not allow for customers to be "hung up on" or to be spoken to in a "rude" manner and this is a very serious issue if it occurred.Again, I am very sorry for your experience and we apologize for not being able to approve everyone, but are working hard to serve every applicant in the future.Regards,*** A.Director, Customer ServiceZebit, Inc

Hello Miss *** - Thank you for your patience as we reviewed your account based on the concerns you shared. We have also reviewed the associated account that is not in good standing that is listed at the same address as youIn addition to looking at all of the information we have in our
systems related to applications and orders, we have third-party services that we use in order to verify information that our members provide, and as a matter of policy, we rely on that information. This third-party provider also allows us to do manual reviews like we have done here in your caseThe information we have verified from the third-party provider is showing both account holders as currently residing at the same address.Our internal policies are established to prevent fraudulent transactions and/or transactions that may result in a loss, and where an account holder shares an address with another account holder who is in default, we have determined that to present the risk of loss. As we've said, we are reaching out to the other account holder in an attempt to resolveWhile we hope you understand the reason for our policy, we are so sorry for the impact to you. I will reach out to you separately as well: if you have any other questions that I can help answer, don't hesitate to be in touch.Best regards,*** ***Head of Customer Service, Zebit

Hello ***,I am sorry to hear about your experience with Zebit and upon review, I see that we are attempting to speak with you, the account holder, via telephone to conduct an account verificationWe take account security very serious and saw that someone other than you, the account holder,
attempted to place an order on the account and then sent Zebit an email regarding the accountWhile you may be related to the other person, we are only able to work with the approved registered user who applied for the credit that was receivedIt appears that our Customer Service Team left a voicemail for you and has asked that you contact us to verify your account and ensure that our account holder policy is reviewedI see that a refund was issued on Saturday, December 2, at 9:37am (Pacific)This was transmitted to the issuing bank of the card, so the refund should be reflected there shortly, depending on the processing times of the issuing bank of the card.Regards,*** **Director, Customer ServiceZebit, Inc

Hello ***,I am sorry to hear about your experience with ZebitUpon reviewing your account, I see that we were able to resolve the matter and clear up the confusion that caused the issuePlease let us know if you need any future assistance and we'll be happy to help.Regards,*** *.Director,
Customer Service

Hello Mr***,I am sorry to hear about your experience with ZebitUpon review of your account, I show that you had requested that your Zebit account be closed on November 2, We complied with that request and closed the accountAfter an account is closed, we are unable to reopen itI am
sorry if you were told something differentI have provided additional coaching to our Customer Service Team so that they are advising a customer of our account closure proceduresI have also spoken with our Legal Department and they advised they have been in correspondence with you and have responded to your emailsI am sorry that we are unable to reinstate your account at this time.Regards,*** **Director, Customer Service

Hello ***,Thank you for your feedback regarding your experienceI am very sorry that we are unable to accept tips as regular income as part of our underwriting processAt this time, we are unable to accept tips as regular income as income from tips can vary and fluctuateAs such, we aren't
able to accurately determine what ones annual income is if there is fluctuation in part of the income receivedI am sorry that we are unable to accept tips as part of your annual income amount.Regards,*** *.Zebit, Customer Service

Hello - Upon review of your account, I see that you have been in contact with our Legal Department and that the issue was resolvedPlease let us know if you need any further assistance and we'll be happy to help.Regards,*** **Director, Customer ServiceZebit, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Hello,Thank you for your feedbackUpon reviewing your account, I see that our Legal Department has been in contact with you regarding the closure of your Zebit AccountFor your security, we do not disclose specific reasons behind the closure of a Zebit account in a public forum, like a Revdex.com
complaint responseI am sorry that I don't have specifics to share here regarding your account status.Regards,*** **Director, Customer ServiceZebit, Inc

Hello ***,I sincerely apologize for the cancellation of your Zebit orderWe experienced a widespread pricing system issue that caused product prices to appear at up to a 95% discountBecause of this critical business error, we had to cancel orders that were placed during the small window of time
that pricing was not accurate and heavily discounted in errorThe cancellation of the order processed a refund of any payment made at checkoutWe have fully investigated the issue and are putting safeguards in place to ensure this doesn't happen in the futureAgain, I am very sorry that we had to cancel your order and will be doing all we can to ensure this doesn't happen again.Regards,*** A.Director, Customer ServiceZebit, Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactorily to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

I submitted complaint ID # *** on Zebit Inc, and Revdex.com closed the complaint citing a non response from the customerI responded to Revdex.com, and I would like the complaint reopenedThe complaint has not been resolved.Desired Outcome: I want this unscrupulous company to permanently delete my personal information from their files and serversI want all my personal information which they unethically (and possibly illegally) obtained to be permanently destroyed, and for Zebit to not have any remnants of my personal information anywhere any one in Zebit or a third-party to gain access toFurthermore, I want a formal apology from Zebit for the mental anguish they have bestowed upon me to my countless sleepless and restless nights, since August 5, 2016, when I was informed by a Zebit employee that they would have to retain my personal information indefinitely

Hi [redacted] - Thank you for making us aware of this situation.  Our systems holds accounts for review when we receive an update to employment status that impacts income. Thank you so much for speaking with our Customer Service Team so we could work with your employer and get this resolved...

for you. Please feel free to reach out if we can help you with anything else.   Best regards,Yolanda D[redacted]Head of Customer Service, Zebit

Hello [redacted],I am very sorry for any inconvenience you have experienced with Zebit. Upon review of your account, I do see that you attempted to make a payment of $3.69 using a card ending in 5649 that was not successful. Each attempt to make a payment with that card was immediately reversed as the...

billing address did not match what the card issuer had on file for you. We don't have any control over that and we are reliant on the information that the issuing bank of the card relays back to us. On each attempt, I see that the authorization reversed, so no money was captured or being held on our end. I see that you were able to successfully make the payment when you tried a different card. We recommend contacting the issuing bank of the card to verify the address that they have on file for you. Again, I am sorry that you had trouble making a payment and please know that we didn't have any way of correcting that since we don't have access to your debit/credit card account.Regards,[redacted]Director, Customer ServiceZebit. Inc.

Hello [redacted],I sent you an email November 8th advising that we have a process that has been in place were we can accept additional income for review. I haven't heard back from you to see if you would like us to have a secure upload link sent to you for upload of a pay stub from your other employment. Please let us know how you would like to proceed.Regards,[redacted]Zebit, Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]