Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I understand that the process could take up to 45 days. and no one ever calls me with updates, im always the one calling to complain. . what im not understanding is why is it still an investigation when they spoken to the merchant who released the funds back to the didpute team at rush card. it feels like rush card is holding on to my money. because [redacted] spoken to a rep from the dispute team, released my funds back to rush card and threw the case out. so it is now over a month later I still do not have my money and they still talking bout investigateing. I beleive someone is lieing and I need my money asap.
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. this has been past the 45 days and im not going continue to except this answer especpcially when the merchant gave me confirmation and verification through fax that my money was refunded back to rush card dispute team on may 18th. ive spoken with a supervisor today at rushcard who stated that he dosent understand what the hold up is and asked me to fax over the paper that [redacted] sent me. I faxed it over to rushcard this morning with all the notes on there that was provided to me and the direct contact person ive spoken to. now someone needs to contact these people and find out where my money is. .I am not going keep excepting this 45 day answer anymore. its always someone thats highter than you and I will go over whoever head I need to. this is going on 2 months now and no one has any answers for me ever. just what is it that the dispute team is doing? cause clearly there not doingthere job very well. I will seek legal action if I have to.
Regards,
[redacted]
SUBMISSION: �...⇄ Revdex.com® 1 E. 4th St Suite 600 Cincinnati Ohio 45202 Re: Case # [redacted] Consumer: [redacted] To Whom It May Concern: This letter is in response to the attached complaint, Case No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted], on May 23, 2017. UniRush, LLC which provides the RushCard prepaid card takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer funds and information. [redacted] complaint states that RushCard closed her account without notification. [redacted] also states that RushCard should be held accountable for closing her account. On May 23, 2017, [redacted] RushCard account was permanently closed in accordance with RushCard Risk procedure. RushCard is unable to keep this account safe, therefore the account has been closed. A corporate customer service specialist attempted to contact [redacted] on May 24, 2017 to advise of the account information. We appreciate [redacted] feedback. RushCard Corporate Customer Service
December 5, 2016 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted]...
Complaint date: December 3, 2016 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted] referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted]’ complaint contends that her funds for $81.31 are pending on her RushCard account. Ms. Daniel also states that she would like the pending hold to be released. The transaction for [redacted] in the amount of $81.31 was pending on [redacted] RushCard account ending in 5379. As of December 5, 2016, the pending hold for $81.31 has since been released. On December 5, 2016, a corporate customer service representative attempted to contact [redacted] to advise of the information. Regards, RushCard Corporate Customer Service
March 26, 2018 VIA ONLINE SUBMISSION: Revdex.com 1 E. 4th STE. 600 Cincinnati Ohio 45202 Re: Consumer: [redacted] ...
Complaint number: [redacted] Complaint date: March 20, 2018 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she contacted RushCard regarding a missing balance. [redacted] was told that RushCard would put in a ticket to research her account. [redacted] also indicated she was given conflicting information about the ticket information. [redacted] would like the missing funds credited back to her account. Per the RushCard Cardholder Agreement, “If you authorize a transaction, the preauthorization hold, the approval may result in a hold for that amount of funds for up to 10 (ten) days.” RushCard records indicate that [redacted] contacted customer service on March 18, 2018 and spoke to an agent regarding the pending hold of $607.40. [redacted] was then advised that the missing balance on her account would be investigated. The missing balance has been researched and on March 21, 2018 the transaction for $607.40 was released to the RushCard account. The pending hold has been automatically released. A corporate resolutions specialist contacted [redacted] on March 26, 2018 to advise of the following information. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. We sincerely apologize for the inconvenience this has caused. Regards, RushCard Corporate Customer Service
August 25, 2016 VIA ONLINE SUBMISSION:Revdex.com 1 E. 4th STE. 600Cincinnati Ohio 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: August 19, 2016 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she cancelled a [redacted] transaction in which she had to pick up the merchandise from a local store. [redacted] also states that she was told by RushCard to send in a fax authorization to release the pending transaction. [redacted] would like the pending hold to be released on her account today. Per previous response on August 19, 2016 [redacted] contacted RushCard corporate customer service and was advised that the transaction from [redacted] in the amount of $127.50 cannot be released. The pending hold for $127.50 will be automatically released in 10 days. A merchant hold release letter is not needed on the RushCard account, as we do not release [redacted] transactions. We appreciate this feedback and sincerely apologize for the inconvenience this matter has caused. Our goal is to provide financial convenience supported by reliable customer service. Regards, RushCard Corporate Customer Service .
November 13, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: October 16, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard worked
around the clock to resolve these problems.
At this time, our system is up and running and [redacted] have access to
her funds and account information. Additionally, a $25.00 courtesy credit was
issued to [redacted] RushCard account on October 28, 2015. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted] The disrespect and lack of customer service exhibited by this company's representatives is appalling and alarming. I have been calling since October to resolve issues with my account transaction since the formal dispute processed and am disgusted with the experience. The Credit Card transaction dispute of $1300 has been resolved and resurned to my account. However, prior to this dispute I submitted an ACH Debit of 852.99 for my housing company [redacted] on October 12th. The funds did not withdraw from my account until October 27th. However [redacted] already recieved an NSF returned payment fromt hier bank processor in regards to this transaction. Subquently, I am being charged this fee and late fees for a payment that was made on time. The amount nof 852.99 still has not found its way to the merchant nor back into my account to this day! I have called almost every week only to be transferred, misunderstood, and ultimately hung up on by representatives pretending to place me hold while reviewing the account. Speaking with a supervisor was equally frustrating as he expressed how notes placed on my account were not being stamped by representaives I spoke with. Theres no accountability with this company. An Error dispute form was sent ot to me via emaol supposedly on Dec 10th and I have yet to receive it, despite the 2 day turn around time expressed. I find this to be completely unacceptable and an utter disregard for your customers. What ever forms or documents that need to be sent to me so that I can submit all proof and reports of this issue needs to be made available to me personally immediately! 852.99 needs to be returned to my account immediately so that I can make my payment directly and avoid homelessness. $45 NSF charged to me by merchant for returned payment on finds that were clearly in my account, needs to be returned to my account balance imemdiately. $175 late fees charged by merchant due to non reciept of funds as a result of your company's negligence and system errors, also needs to be reimbursed. This issue is very time sensitive now that I have been dealing with it for over 2 months. I NEED RESOLUTION TO ALL FACTORS PRESENTED WITHIN THE NEXT 14 CALENDAR DAYS by December 30th!
October 22,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 16, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on deposit
at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
December 28, 2015 VIA ONLINE SUBMISSION: Revdex.com 7 W Seventh St Suite 1600 Cincinnati Ohio 45202 Re: Consumer: [redacted] Complaint number: [redacted]...
Complaint date: December 25, 2015 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she was locked out of her online account and was having issues contacting RushCard customer service. [redacted] also states that she is missing $250.00 from her account. [redacted] account history indicate she has successfully been using the card without any interruptions at the time when the conversion took place October 12, 2015. [redacted] will need to go through the proper steps to unlock her online account by resetting her password by selecting “forgot password”. [redacted] will need to verify the correct password is being used and make sure she is using [redacted] to access the website. If it is a Mobile App please uninstall and reinstall and clear cache/cookies. There is not enough information provided in regards to the $250.00 missing from [redacted] account. According to [redacted] account activity matches the balance on the account. We appreciate this feedback and sincerely apologize for the inconvenience this matter has caused. Our goal is to provide financial convenience supported by reliable customer service. Regards, RushCard Corporate Customer Service
January 26, 2018 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: January 4, 2018 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted]. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. In [redacted] complaint, she states, a fraudulent transaction posted to her RushCard account, which she then disputed, in result her claim was closed. On November 21, 2017, [redacted] contacted RushCard to dispute a transaction totaling $52.33. [redacted] was educated on December 6, 2017 that her dispute form was not clear and that she must resend a clear copy of the form. [redacted] failed to send in a clear copy of the form that is needed for research to be completed therefore her case was closed on January 3, 2018. Should [redacted] have any additional questions or concerns regarding this complaint, she can contact us at [email protected] Regards, RushCard Corporate Customer Service
Revdex.com:
I do see that I have a voicemail which I have not been able to listen to you yet but I appreciate them expediting my card and unlocking my account. I am accepting this resolution although I do want it noted that this is not the first time I have had issues with their service and I believe that they need to seriously improve their customer service and they also need to adopt the policy of most banks which is to contact the card holder when their is suspected fraud to verify the purchases before blocking the account.
Regards,
[redacted]
September 18, 2017 VIA ONLINE SUBMISSION: Revdex.com® 1 E. 4th Ste. 600 Cincinnati Ohio 45202 Re: Complaint ID: [redacted]...
Consumer: [redacted] To Whom It May Concern: This letter is in response to the attached complaint, Complaint No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted] on September 15, 2017. UniRush, LLC d/b/a RushCard takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she is unable to get her money off her RushCard. [redacted] also states that she received a replacement card with the same numbers. [redacted] was told her card replacement would be listed as lost and another card would be processed. [redacted] would like an expedited card sent to her free of charge so that she has access to the funds on her card. On August 17, 2017, a replacement card was processed for [redacted]. The replacement card was sent to encourage [redacted] to use her RushCard again. The replacement card was processed using the same card numbers, which enabled [redacted] to use the current card on her account. Or in the event [redacted] didn’t have the old card she could use the new card. On September 15,2017, a new card replacement was processed per [redacted] request. On September 18, 2017, a corporate resolutions specialist contacted [redacted] to advise of the following information. We appreciate [redacted] feedback and sincerely apologize for the inconvenience. Our goal is to provide financial convenience supported by reliable customer service. Regards, Corporate Customer Service
(I have highlighted in different colors to show the different levels that they don't help their consumers, they need to follow their own terms and conditions My name is [redacted] and I wanted to give you guys a copy of UniRush LLC., Terms and conditions. I have specifically...
highlighted the section in which my Complaint pertains too. I had mentioned a portion of this in my Complaint text but also had to go to the site and find the specific information to input into the denial of what the business responded to you and the Revdex.com inquiry. I don't know how to update the information on the complaint itself but I had found your information listed as a contact and consultant so I sending this to you as I don't know where to send it VIA fax or Online Submission but, due to my Online account with UniRush being compromised along with my prior E-mail I had no way to access my account and send my monthly statement as well with these terms and conditions. I have also included these specified terms and conditions because as I mentioned in my statement it Clearly states that if I(cardholder) contact Unirush(business) with-in 2 business days that I my Online access, PIN, and/or my card have been lost,stolen, or compromised I (cardholder) would lose no more than $50.00 but if I hadn't contacted them in 2 business days and they could of prevented the lose I could of lost all my funds in my Account which my SSI Direct Deposit came in on 8/26/16 and I contacted them on 08/27/16 to hold both cards and my account access because I believed it was compromised and that I lost my Card ending in [redacted]-when I lost my purse. Also to clearify I also have a [redacted] ATM less than 1 mi. from my house which I can take the entire amount of my account with out a problem and no fees which if I had my prior months statement or access I could show proof of that as well so Why would I use an ATM through [redacted] knowing that it is not in the [redacted] network and I couldn't take the entire amount out without being charged a fee and I don't even know how much at one time at that ATM you can take out because I never used it. I just want my disabilty money I am out so I can pay the cable bill I paid once already and it was returned or charge back and I now have a late fee in which it says they will cover as well. Plus pay my rent to ensure this cold winter My children an I are not homeless. Thank you Very Much Tina.... [redacted] "IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY BINDING ARBITRATION.This Cardholder Agreement ("Agreement"), effective on November 17th, 2014, outlines the terms and conditions under which the Prepaid [redacted] RushCard has been issued to you by [redacted]® ("[redacted]" or "Issuer"). By accepting, signing or using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" or "RushCard" means the Prepaid [redacted] RushCard. "Card Account" means the records maintained to account for the funds associated with the Card. "Load" means adding funds to your Card, including without limitation direct deposits. "Unload" means to remove funds from your Card by any means, including without limitation making purchases or withdrawals. "You" and "your" mean the person who applied for the Card and is authorized to use the Card as set forth in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. "Designated Loading Point" is any participating establishment that will accept cash value loads to be credited to your Card as specified at www.rushcard.com. "Program Provider" or "UniRush" means UniRush, LLC. UniRush offers the Card program to consumers and is an Independent Sales Organization ("ISO") pursuant to an agreement with the Issuer. The Card will remain the property of the Issuer and must be surrendered upon demand. You may not transfer the card to any other person. The Card may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law.1. USING A RUSHCARDYou acknowledge and agree that the funds available on the Card are limited to the funds that you have loaded or have been loaded on your behalf minus any pending loads or pending authorizations and funds unloaded from the Card which includes any and all applicable fees. You should safeguard your RushCard with the similar care you would give to cash. Keep the Card in your possession and do not give the Card to anyone else to use. You agree to sign the back of the Card promptly upon receipt. The Card is a prepaid card which allows you to access the available funds on your Card. The Card is not a checking or savings account and is not connected in any way to any other accounts. The Card is not a credit card. The Card is not a gift card and should not be used for gifting purposes. The Card is not for resale. You will not receive any interest on your funds loaded on the Card. The Card is not designed for business use and we may close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement or represents illegal or fraudulent activity. All funds are insured by the Federal Deposit Insurance Corporation ("FDIC") subject to applicable limitations and restrictions of such insurance. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any reference to "days" found in this Agreement are calendar days unless indicated otherwise.Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.2. OPENING A RUSHCARDImportant information for opening a Card: To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card.What this means for you: When you open a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may ask to see a copy of your driver’s license or other identifying documents. Even after you receive your Card and after you have used the Card, we may limit your ability to use the Card or certain Card features including without limitation loads until we are able to successfully verify your identity. You agree, represent and warrant that (1) you are 18 years of age or you are at least 13 years of age and have your parent’s or guardian’s consent to open a Card; (2) your personal information is true, correct, and complete; (3) you are a U.S. citizen or legal alien residing in the United States (excluding Vermont) or the District of Columbia; (4) you have provided us with a verifiable U.S. street address (not a P.O. Box); and (5) you have read this Agreement and agree to be bound by and comply with the terms of this Agreement.3. RUSHCARD ACTIVATIONYour RushCard will be initially activated when you successfully set a PIN (defined below) and load funds onto it in accordance with the rules applicable to the Card program in an amount greater than or equal to the Card One-Time Card Fee. See the Fee Schedule for details. If you load funds onto your Card without setting up a PIN, you will not be able to access to the funds until you set up your PIN. After the initial activation, if your Card has to be reissued for any reason, including expiration, you may activate the Card by following the instructions that accompany the Card. The expiration date of the Card is identified on the front of your Card.4. FEE SCHEDULEAll fees will be unloaded from the funds on your Card. Fees will be assessed as long as there is a remaining balance on your Card, except where prohibited by law. Any time your remaining Card balance is less than the fee amount being assessed, the balance of your Card will be applied to the fee amount. With the exception of an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a zero balance on your Card. With respect to an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a negative balance on your Card. If that occurs, funds subsequently deposited into your Card will be applied to the negative balance. If your Card has a negative balance, to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other RushCard(s) you may have, or you may open in the future. We reserve the right to immediately close your Card and any other Prepaid [redacted] RushCard(s) with us you may have without notice to you. The combined total of Transaction Fees and International Transaction Fees is limited to $10.00 in each calendar month and is based on the date the transaction is posted to your card account as reflected on your statement.2 "In Network" refers to the [redacted] ATM network. Locations of [redacted] ATMs can be found at www.rushcard.com or www.moneypass.com.3 "Out of Network" refers to all ATMs outside of the [redacted] ATM network. When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).4 Currency Conversion Fee also applies.5. PERSONAL IDENTIFICATION NUMBERWhen you activate your RushCard, you must select a Personal Identification Number ("PIN") to be assigned to your Card. Protect your PIN as you would protect your Card. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should notify us immediately. Also, please review the paragraph labeled "Your Liability for Unauthorized Transfers."6. AUTHORIZED CARD USERSYou may not permit another person to have access to your Card or Card number. If you provide access or permit another person to use your Card or Card number then you are liable for all transactions and fees incurred by such use of your Card.7. SECONDARY CARDHOLDER/COMPANION CARDSYour RushCard is for use by you. You may not request an additional Card for another person. We do not offer companion or secondary Cardholder Cards. You may not attempt to load your Card with direct deposits designated to another person and no one but you may load funds to the Card.8. CASH ACCESSWith your PIN, you may use your Card to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant that bears the [redacted], [redacted]®, Plus®, [redacted]®, or [redacted]® Acceptance Mark. [redacted] is a surcharge-free ATM network. See www.rushcard.com for a complete list of all surchargefree [redacted] ATMs. All ATM transactions are treated as cash withdrawal transactions. You may use your Card at an ATM. The maximum withdraw from an ATM in one transaction is $500.00. The maximum cumulative amount that may be withdrawn from multiple ATMs per 24 hour period is $1,500.00. You may use your Card to withdraw cash from a bank (over the counter withdrawal). The maximum amount of one over the counter withdrawal is $1,500.00. The maximum cumulative amount that may be withdrawn from multiple over the counter withdrawals per 24 hour period is $1,500.00.9. LOADING A RUSHCARDYou may add funds to your Card, called "value loading", at any time. You may add value or load your Card via direct deposit, ACH transaction from your checking or savings account, Card-to-Card transfers, PayPal, or cash at any Designated Loading Point. See www.rushcard.com for a complete list of Designated Loading Points. You may also obtain information on how to load your Card at www.rushcard.com. The minimum amount of the initial value load and each value reload is $0.01. The maximum amount of each load is belowAll checks (personal, payroll, cashiers) and money orders sent to the Issuer for Card loading will be returned unless we decide in our discretion to load the full amount to apply the check or money order towards a negative balance. Remote check deposit is available through [redacted] (a third party under contract with UniRush to provide you this service) via our mobile app. Terms and conditions apply to the remote check deposit. Visit the mobile app for more details.10. DIRECT DEPOSITThe direct deposit account number associated with your Card cannot be used for payment (preauthorized direct debits from merchants or from utility or Internet service providers). Instead, please use Rush Bill Pay for payments to merchants, utility or internet service providers, see section 11 for details. If a merchant or provider presents the direct deposit number for a payment, this will be declined and your payment to the merchant or provider will not be processed. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to give the bank routing number and direct deposit account number to anyone other than your employer or payer. YOU AGREE THAT ONLY DIRECT DEPOSITS IN YOUR NAME WILL BE LOADED TO THE CARD. ALL DIRECT DEPOSITS IN THE NAME OF ANYONE ELSE WILL BE DECLINED AND RETURNED.11. CARD FEATURES/USAGE DETAILSCard Details. The maximum combined amount that can be unloaded from your Card per 24 hour period is $2,500.00. The maximum combined value on your Card is $9,999.99. For security reasons, we may further limit the amount, type, or number of transactions you can make on your Card at any time in our discretion. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.Purchase Details. You may use your Card to purchase or lease goods or services anywhere debit cards, [redacted] cards and [redacted] cards are accepted as long as you do not exceed the value available on your Card. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.Funds Available. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction.Split Transactions. Some merchants do not allow Cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount you request to be withdrawn from the funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.Authorization Holds. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount (place a hold) on your Card Account of up to $75.00 or more. This may cause your Card to be declined even though you have sufficient funds on your Card to pay for the transaction. If this happens, pay for your purchase inside and tell the cashier exactly how much you want to spend. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant or we may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on "hold" will be removed. It may take up to thirty-five (35) days for the "hold" to be removed. During the hold period, you will not have access to the preauthorized amount. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.Preauthorized credits: If you have arranged to have direct deposits made to your RushCard at least once every 60 days from the same person or company, you can call us at ###-###-#### or email us at [email protected] to find out whether or not the deposit has been made.Right to Stop Payments. If you have set up regular payments from your Card, you may stop any of these payments. Here is how: Stop the Payment in Rush Bill Pay or call customer service at 1-866-RUSHCARD (###-###-####) and request a stop payment at least 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to send us your request in writing within 14 days after you call. Notice of varying amounts. If these regular payments may vary in amount, the party you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)Rush Bill Pay. We make available to you a billpayer system, Rush Bill Pay, which allows for payment to third parties via a pre-authorized electronic deduction or by issuing a paper check. Any payments made through this system will be deducted from the funds on your Card within twenty-four (24) hours or on any future date specified by you. If you do not have the funds available at the time we attempt to make the payment from your Card, the payment will not be made. If you have scheduled multiple payments to be made and the funds on your Card are not sufficient at the time we attempt to complete all of the scheduled payments, we pay only those for which your balance is sufficient to cover, starting with the lowest dollar amount payment. We will notify you by email of any failed attempts to make payments from your Card.12. NON-[redacted] DEBIT TRANSACTIONSNew procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions have been processed as [redacted] transactions unless you entered a PIN. Now, if you enter a PIN, transactions may be processed as either a [redacted] debit transaction or as a [redacted] transaction.Merchants are responsible for and must provide you with a clear way of choosing to make a [redacted] debit transaction if they support the option. Please be advised that should you choose to use the [redacted] network when making a transaction with a PIN, different terms may apply, such as [redacted]® zero liability, see section 20 for more details. Certain protections and rights applicable only to [redacted] debit transactions as described in this Agreement will not apply to transactions processed on the [redacted] network. Please refer to the paragraph labeled "Your Liability for Unauthorized Transfers" for a description of these rights and protections applicable to [redacted] debit and non-[redacted] debit transactions. To initiate a [redacted] debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or Internet purchase. To initiate a non-[redacted] debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-[redacted] debit transaction for certain bill payment, mail order, telephone, or Internet purchases.13. RETURNS AND REFUNDSIf you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. Neither the Issuer nor UniRush are responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.14. CARD REPLACEMENTIf you need to replace your Card for any reason, please contact us at 1-866-RUSHCARD (###-###-####) to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc. There may be a fee to replace your Card. See Fee Schedule for additional information.15. TRANSACTIONS MADE IN FOREIGN COUNTRIES/CURRENCIESIf you obtain your funds or make a purchase in a currency other than in US dollars, the currency which your Card was issued, the amount deducted from your funds will be converted by the network or payment association into US dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the network or payment association from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network or payment association itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, you will be assessed a foreign currency conversion fee of 3% of the transaction amount unloaded from the funds on your Card and will retain this amount as compensation for its services. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. For security reasons, Issuer or UniRush may limit or deny use of your Card in certain foreign countries or charge you a fee for such usage, see the Fee Schedule for additional information.16. RECEIPTSYou should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.17. CARD BALANCE/PERIODIC STATEMENTSYou are responsible for keeping track of your Card’s available balance. Merchants generally will not be able to determine your available balance. It’s important to know your available balance before making any transaction. You may obtain information about the amount of funds you have remaining on your Card by calling the phone number on the back of your Card or visiting us online at www.rushcard.com. Balance information, along with a sixty (60) day (or more) history of Card transactions is also available online at no additional cost at www.rushcard.com. You also have a right to obtain a sixty (60) day written history of Card transactions by calling the phone number on the back of your Card or by writing us at UniRush LLC, [redacted] and requesting the Card history. There is a fee to receive your Card history in writing, see the fee schedule for details. You will not receive paper statements in the mail unless you request paper statements be mailed to you and pay the applicable fee.18. CONFIDENTIALITYWe may disclose information to third parties about your Card or the transactions you make:Where it is necessary for completing transactions;In order to verify the existence and condition of your Card for a third party, such as a merchant;In order to comply with government agency, court order, or other legal or administrative reporting requirements;If you consent by giving us your written permission;To our employees, auditors, affiliates, service providers, or attorneys as needed; orOtherwise as necessary to fulfill our obligations under this Agreement. THIS IS FOR THE CABLE BILL PORTION OF DISPUTE AND WHAT THEIR TERMS AND CONDITIONS SAY:19. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONSIf we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;If a merchant refuses to accept your Card;If an ATM where you are making a cash withdrawal does not have enough cash;If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;If access to your Card has been blocked after you reported your Card lost or stolen;If access to your Card has been blocked by us for suspected fraud.If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;If we have reason to believe the requested transaction is unauthorized;If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; orAny other exception stated in our Agreement with you.THIS IS THE PART FOR THE ENTIRE SITUATION AND WHAT I AM SUPPOSED TO HAVE FOR PROTECTION IF I DO MY PART AND CONTACT THEM IN DUE TIME20. LOST OR STOLEN CARDS/YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONSNetwork transactions. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone else has transferred or may transfer money from your Card, call us at 1-866-RUSHCARD (###-###-####).Under [redacted] U.S.A. Inc. Operating Regulations, your liability for unauthorized [redacted] debit transactions on your Card is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by [redacted] or ATM cash withdrawals.Under [redacted] zero liability rules, your liability for unauthorized [redacted] debit transactions using your PIN on the [redacted] network with your Card account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as a method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period.If your Card has been lost or stolen, we will close your Card to keep losses down.Your Liability for Unauthorized Transfers on your Card.Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning toll-free at ###-###-#### is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.(*WHAT I WAS SUPPOSE TO GET FOR DOING THE RIGHT THING!)21. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS ON YOUR PERSONALIZED CARDIn case of errors or questions about your Card, call us at the number provided on the back of your Card, write to Cardholder Services at UniRush LLC, [redacted], or email [email protected] as soon as you can. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at the number provided on the back of your Card or writing us at UniRush LLC, [redacted]. Fees may apply, see the Fee Schedule for details.You will need to tell us:Your name and Card number.Why you believe there is an error, and the dollar amount involved.Approximately when the error took place.If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.IMPORTANT: If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not provide a provisional credit to your Card. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. This type of credit is referred to as a "provisional" (or temporary) credit. (I never received any credit for the time being to pay my bills and rent, and if I don't have by the 8th I am going to be homeless) If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling us at ###-###-#### or via email at [email protected]."(https://www.rushcard.com/legal/cardholder-policy-terms)...⇄ have emailed and called them to get a statement emailed and faxed to me so that I can have some documentation for these ERRORs well I wait and wonder. I am so frustrated they asked me not to contact Revdex.com until after they credited my account and that if I didn't wait it could affect the outcome of my claim. I didn't put several claims in like they are stating I asked them to cancel my cards and change my account due to being compromised and they didn't close the card with all my funds on it they closed the other card that I didn't even set up yet due to I was gonna allow my daughter to use it and it was lost,stolen or compromised same date and time. 8/26/16 after 230-3pmThank you again and let me know how I can be of assistance to get this settled for my families sake of a home. thank you [redacted] I apologize for the length but I am trying to be very thorough and complete. my contact information is [redacted]-Cell###-###-####-Home
October 21,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 13, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on
deposit at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
October 23,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 18, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on deposit
at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
This letter is in response to the consumer complaint # referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. In [redacted] complaint he states, he disputed unauthorized transactions; however, his dispute was denied. He is requesting a refund. Our records indicate on October 6, 2017, [redacted] disputed unauthorized transactions with [redacted]. He claimed his card was in his possession and his pin written on the back of his card. On October 23, 2017, [redacted] dispute was denied due to pattern of use. Regards, RushCard Corporate Customer Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Im not sure if anyone is reading my responses or not but this is my second time attaching proof to the Revdex.com that I changed my plan on 8.31.2015 to pay as you go. It disturbs me deeply that no one is viewing my proof and responding to that fact. Yes I received a voicemail from someone with a 513 area code and I called back and left a voicemail. No one called back. I feel that I am being taken in circles with this company and I dont deserve or appreciate it. It does not seem that I am getting help from the Revdex.com either. Maybe I need to take this matter to a higher authority. I do not appreciate being ignored or made to feel like I am a liar and out to hash a scheme. Someone needs to call my phone, acknowledge that my email proof is valid and stop sending contradicting responses in regard to the credit/bill amounts. I changed my plan AUGUST 31, 2015. I HAVE ATTACHED AN EMAIL AS PROOF 3 times (1-to RUSH AND 2- to the Revdex.com) but I am STILL BEING ACCUSED OF NOT CHANGING MY PLAN.
Regards,
*** ***
February 9, 2016 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: ...
Revdex.com [redacted] Complaint date: February 9, 2016 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted] referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] states in his complaint that RushCard has not credited his direct deposit funds. [redacted] also states that he wants his deposit credited to his RushCard account. RushCard records indicate that no deposit has posted to date for $132.93 to [redacted] account. While we are often able to provide access to funds up to two days before the effective date, funds availability is largely based on the source of the direct deposit and the timing of the payer funding. On February 9, 2017 a corporate customer service representative contacted [redacted] to advise him of this information. [redacted] states that he will contact the remitter of the funds again and provide any trace information to RushCard to try and locate the deposit. We appreciate [redacted] feedback. Regards, RushCard Corporate Customer Service
December 3, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: November 28, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. We are proactively
reaching out to our customers who were impacted by the outage and confirming
that their cards are working properly.
In addition, as a Thank You to our cardholders for sticking with us, we
have announced a Fee Holiday beginning November 1, 2015 and continuing through
February 29, 2016. For more details,
please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on
deposit at the issuing bank and protected by FDIC insurance. On October 12, 2015, [redacted] attempted to
process a card to card transfer in the amount of $454.88 from card number ending
in [redacted] to [redacted]. The card to card transfer failed and the funds were not deducted
from [redacted]’ RushCard account. Attached to the complaint response is a
screenshot of the failed transfer. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
I understand that the process could take up to 45 days. and no one ever calls me with updates, im always the one calling to complain. . what im not understanding is why is it still an investigation when they spoken to the merchant who released the funds back to the didpute team at rush card. it feels like rush card is holding on to my money. because [redacted] spoken to a rep from the dispute team, released my funds back to rush card and threw the case out. so it is now over a month later I still do not have my money and they still talking bout investigateing. I beleive someone is lieing and I need my money asap.
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. this has been past the 45 days and im not going continue to except this answer especpcially when the merchant gave me confirmation and verification through fax that my money was refunded back to rush card dispute team on may 18th. ive spoken with a supervisor today at rushcard who stated that he dosent understand what the hold up is and asked me to fax over the paper that [redacted] sent me. I faxed it over to rushcard this morning with all the notes on there that was provided to me and the direct contact person ive spoken to. now someone needs to contact these people and find out where my money is. .I am not going keep excepting this 45 day answer anymore. its always someone thats highter than you and I will go over whoever head I need to. this is going on 2 months now and no one has any answers for me ever. just what is it that the dispute team is doing? cause clearly there not doingthere job very well. I will seek legal action if I have to.
Regards,
[redacted]
May 24, 2017 VIA ONLINE...
SUBMISSION: �...⇄ Revdex.com® 1 E. 4th St Suite 600 Cincinnati Ohio 45202 Re: Case # [redacted] Consumer: [redacted] To Whom It May Concern: This letter is in response to the attached complaint, Case No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted], on May 23, 2017. UniRush, LLC which provides the RushCard prepaid card takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer funds and information. [redacted] complaint states that RushCard closed her account without notification. [redacted] also states that RushCard should be held accountable for closing her account. On May 23, 2017, [redacted] RushCard account was permanently closed in accordance with RushCard Risk procedure. RushCard is unable to keep this account safe, therefore the account has been closed. A corporate customer service specialist attempted to contact [redacted] on May 24, 2017 to advise of the account information. We appreciate [redacted] feedback. RushCard Corporate Customer Service
December 5, 2016 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted]...
Complaint date: December 3, 2016 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted] referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted]’ complaint contends that her funds for $81.31 are pending on her RushCard account. Ms. Daniel also states that she would like the pending hold to be released. The transaction for [redacted] in the amount of $81.31 was pending on [redacted] RushCard account ending in 5379. As of December 5, 2016, the pending hold for $81.31 has since been released. On December 5, 2016, a corporate customer service representative attempted to contact [redacted] to advise of the information. Regards, RushCard Corporate Customer Service
March 26, 2018 VIA ONLINE SUBMISSION: Revdex.com 1 E. 4th STE. 600 Cincinnati Ohio 45202 Re: Consumer: [redacted] ...
Complaint number: [redacted] Complaint date: March 20, 2018 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she contacted RushCard regarding a missing balance. [redacted] was told that RushCard would put in a ticket to research her account. [redacted] also indicated she was given conflicting information about the ticket information. [redacted] would like the missing funds credited back to her account. Per the RushCard Cardholder Agreement, “If you authorize a transaction, the preauthorization hold, the approval may result in a hold for that amount of funds for up to 10 (ten) days.” RushCard records indicate that [redacted] contacted customer service on March 18, 2018 and spoke to an agent regarding the pending hold of $607.40. [redacted] was then advised that the missing balance on her account would be investigated. The missing balance has been researched and on March 21, 2018 the transaction for $607.40 was released to the RushCard account. The pending hold has been automatically released. A corporate resolutions specialist contacted [redacted] on March 26, 2018 to advise of the following information. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. We sincerely apologize for the inconvenience this has caused. Regards, RushCard Corporate Customer Service
August 25, 2016 VIA ONLINE SUBMISSION:Revdex.com 1 E. 4th STE. 600Cincinnati Ohio 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: August 19, 2016 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she cancelled a [redacted] transaction in which she had to pick up the merchandise from a local store. [redacted] also states that she was told by RushCard to send in a fax authorization to release the pending transaction. [redacted] would like the pending hold to be released on her account today. Per previous response on August 19, 2016 [redacted] contacted RushCard corporate customer service and was advised that the transaction from [redacted] in the amount of $127.50 cannot be released. The pending hold for $127.50 will be automatically released in 10 days. A merchant hold release letter is not needed on the RushCard account, as we do not release [redacted] transactions. We appreciate this feedback and sincerely apologize for the inconvenience this matter has caused. Our goal is to provide financial convenience supported by reliable customer service. Regards, RushCard Corporate Customer Service .
November 13, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: October 16, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard worked
around the clock to resolve these problems.
At this time, our system is up and running and [redacted] have access to
her funds and account information. Additionally, a $25.00 courtesy credit was
issued to [redacted] RushCard account on October 28, 2015. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.
Regards,
[redacted] The disrespect and lack of customer service exhibited by this company's representatives is appalling and alarming. I have been calling since October to resolve issues with my account transaction since the formal dispute processed and am disgusted with the experience. The Credit Card transaction dispute of $1300 has been resolved and resurned to my account. However, prior to this dispute I submitted an ACH Debit of 852.99 for my housing company [redacted] on October 12th. The funds did not withdraw from my account until October 27th. However [redacted] already recieved an NSF returned payment fromt hier bank processor in regards to this transaction. Subquently, I am being charged this fee and late fees for a payment that was made on time. The amount nof 852.99 still has not found its way to the merchant nor back into my account to this day! I have called almost every week only to be transferred, misunderstood, and ultimately hung up on by representatives pretending to place me hold while reviewing the account. Speaking with a supervisor was equally frustrating as he expressed how notes placed on my account were not being stamped by representaives I spoke with. Theres no accountability with this company. An Error dispute form was sent ot to me via emaol supposedly on Dec 10th and I have yet to receive it, despite the 2 day turn around time expressed. I find this to be completely unacceptable and an utter disregard for your customers. What ever forms or documents that need to be sent to me so that I can submit all proof and reports of this issue needs to be made available to me personally immediately! 852.99 needs to be returned to my account immediately so that I can make my payment directly and avoid homelessness. $45 NSF charged to me by merchant for returned payment on finds that were clearly in my account, needs to be returned to my account balance imemdiately. $175 late fees charged by merchant due to non reciept of funds as a result of your company's negligence and system errors, also needs to be reimbursed. This issue is very time sensitive now that I have been dealing with it for over 2 months. I NEED RESOLUTION TO ALL FACTORS PRESENTED WITHIN THE NEXT 14 CALENDAR DAYS by December 30th!
October 22,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 16, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on deposit
at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
December 28, 2015 VIA ONLINE SUBMISSION: Revdex.com 7 W Seventh St Suite 1600 Cincinnati Ohio 45202 Re: Consumer: [redacted] Complaint number: [redacted]...
Complaint date: December 25, 2015 To Whom It May Concern: This letter is in response to the consumer complaint referenced above. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she was locked out of her online account and was having issues contacting RushCard customer service. [redacted] also states that she is missing $250.00 from her account. [redacted] account history indicate she has successfully been using the card without any interruptions at the time when the conversion took place October 12, 2015. [redacted] will need to go through the proper steps to unlock her online account by resetting her password by selecting “forgot password”. [redacted] will need to verify the correct password is being used and make sure she is using [redacted] to access the website. If it is a Mobile App please uninstall and reinstall and clear cache/cookies. There is not enough information provided in regards to the $250.00 missing from [redacted] account. According to [redacted] account activity matches the balance on the account. We appreciate this feedback and sincerely apologize for the inconvenience this matter has caused. Our goal is to provide financial convenience supported by reliable customer service. Regards, RushCard Corporate Customer Service
January 26, 2018 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: January 4, 2018 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted]. UniRush, LLC which is the program manager for the RushCard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. In [redacted] complaint, she states, a fraudulent transaction posted to her RushCard account, which she then disputed, in result her claim was closed. On November 21, 2017, [redacted] contacted RushCard to dispute a transaction totaling $52.33. [redacted] was educated on December 6, 2017 that her dispute form was not clear and that she must resend a clear copy of the form. [redacted] failed to send in a clear copy of the form that is needed for research to be completed therefore her case was closed on January 3, 2018. Should [redacted] have any additional questions or concerns regarding this complaint, she can contact us at [email protected] Regards, RushCard Corporate Customer Service
Revdex.com:
I do see that I have a voicemail which I have not been able to listen to you yet but I appreciate them expediting my card and unlocking my account. I am accepting this resolution although I do want it noted that this is not the first time I have had issues with their service and I believe that they need to seriously improve their customer service and they also need to adopt the policy of most banks which is to contact the card holder when their is suspected fraud to verify the purchases before blocking the account.
Regards,
[redacted]
September 18, 2017 VIA ONLINE SUBMISSION: Revdex.com® 1 E. 4th Ste. 600 Cincinnati Ohio 45202 Re: Complaint ID: [redacted]...
Consumer: [redacted] To Whom It May Concern: This letter is in response to the attached complaint, Complaint No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted] on September 15, 2017. UniRush, LLC d/b/a RushCard takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] complaint states that she is unable to get her money off her RushCard. [redacted] also states that she received a replacement card with the same numbers. [redacted] was told her card replacement would be listed as lost and another card would be processed. [redacted] would like an expedited card sent to her free of charge so that she has access to the funds on her card. On August 17, 2017, a replacement card was processed for [redacted]. The replacement card was sent to encourage [redacted] to use her RushCard again. The replacement card was processed using the same card numbers, which enabled [redacted] to use the current card on her account. Or in the event [redacted] didn’t have the old card she could use the new card. On September 15,2017, a new card replacement was processed per [redacted] request. On September 18, 2017, a corporate resolutions specialist contacted [redacted] to advise of the following information. We appreciate [redacted] feedback and sincerely apologize for the inconvenience. Our goal is to provide financial convenience supported by reliable customer service. Regards, Corporate Customer Service
(I have highlighted in different colors to show the different levels that they don't help their consumers, they need to follow their own terms and conditions My name is [redacted] and I wanted to give you guys a copy of UniRush LLC., Terms and conditions. I have specifically...
highlighted the section in which my Complaint pertains too. I had mentioned a portion of this in my Complaint text but also had to go to the site and find the specific information to input into the denial of what the business responded to you and the Revdex.com inquiry. I don't know how to update the information on the complaint itself but I had found your information listed as a contact and consultant so I sending this to you as I don't know where to send it VIA fax or Online Submission but, due to my Online account with UniRush being compromised along with my prior E-mail I had no way to access my account and send my monthly statement as well with these terms and conditions. I have also included these specified terms and conditions because as I mentioned in my statement it Clearly states that if I(cardholder) contact Unirush(business) with-in 2 business days that I my Online access, PIN, and/or my card have been lost,stolen, or compromised I (cardholder) would lose no more than $50.00 but if I hadn't contacted them in 2 business days and they could of prevented the lose I could of lost all my funds in my Account which my SSI Direct Deposit came in on 8/26/16 and I contacted them on 08/27/16 to hold both cards and my account access because I believed it was compromised and that I lost my Card ending in [redacted]-when I lost my purse. Also to clearify I also have a [redacted] ATM less than 1 mi. from my house which I can take the entire amount of my account with out a problem and no fees which if I had my prior months statement or access I could show proof of that as well so Why would I use an ATM through [redacted] knowing that it is not in the [redacted] network and I couldn't take the entire amount out without being charged a fee and I don't even know how much at one time at that ATM you can take out because I never used it. I just want my disabilty money I am out so I can pay the cable bill I paid once already and it was returned or charge back and I now have a late fee in which it says they will cover as well. Plus pay my rent to ensure this cold winter My children an I are not homeless. Thank you Very Much Tina.... [redacted] "IMPORTANT – PLEASE READ CAREFULLY. THIS AGREEMENT CONTAINS AN ARBITRATION PROVISION REQUIRING ALL CLAIMS TO BE RESOLVED BY BINDING ARBITRATION.This Cardholder Agreement ("Agreement"), effective on November 17th, 2014, outlines the terms and conditions under which the Prepaid [redacted] RushCard has been issued to you by [redacted]® ("[redacted]" or "Issuer"). By accepting, signing or using the Card, you agree to be bound by the terms and conditions contained in this Agreement. "Card" or "RushCard" means the Prepaid [redacted] RushCard. "Card Account" means the records maintained to account for the funds associated with the Card. "Load" means adding funds to your Card, including without limitation direct deposits. "Unload" means to remove funds from your Card by any means, including without limitation making purchases or withdrawals. "You" and "your" mean the person who applied for the Card and is authorized to use the Card as set forth in this Agreement. "We," "us," and "our" mean the Issuer, our successors, affiliates or assignees. "Designated Loading Point" is any participating establishment that will accept cash value loads to be credited to your Card as specified at www.rushcard.com. "Program Provider" or "UniRush" means UniRush, LLC. UniRush offers the Card program to consumers and is an Independent Sales Organization ("ISO") pursuant to an agreement with the Issuer. The Card will remain the property of the Issuer and must be surrendered upon demand. You may not transfer the card to any other person. The Card may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law.1. USING A RUSHCARDYou acknowledge and agree that the funds available on the Card are limited to the funds that you have loaded or have been loaded on your behalf minus any pending loads or pending authorizations and funds unloaded from the Card which includes any and all applicable fees. You should safeguard your RushCard with the similar care you would give to cash. Keep the Card in your possession and do not give the Card to anyone else to use. You agree to sign the back of the Card promptly upon receipt. The Card is a prepaid card which allows you to access the available funds on your Card. The Card is not a checking or savings account and is not connected in any way to any other accounts. The Card is not a credit card. The Card is not a gift card and should not be used for gifting purposes. The Card is not for resale. You will not receive any interest on your funds loaded on the Card. The Card is not designed for business use and we may close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the terms of this Agreement or represents illegal or fraudulent activity. All funds are insured by the Federal Deposit Insurance Corporation ("FDIC") subject to applicable limitations and restrictions of such insurance. Our business days are Monday through Friday, excluding federal holidays, even if we are open. Any reference to "days" found in this Agreement are calendar days unless indicated otherwise.Write down your Card number and the customer service phone number provided in this Agreement on a separate piece of paper in case your Card is lost, stolen, or destroyed. Keep the paper in a safe place. Please read this Agreement carefully and keep it for future reference.2. OPENING A RUSHCARDImportant information for opening a Card: To help the government fight the funding of terrorism and money laundering activities, the USA PATRIOT ACT requires all financial institutions and their third parties to obtain, verify, and record information that identifies each person who opens a Card.What this means for you: When you open a Card, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may ask to see a copy of your driver’s license or other identifying documents. Even after you receive your Card and after you have used the Card, we may limit your ability to use the Card or certain Card features including without limitation loads until we are able to successfully verify your identity. You agree, represent and warrant that (1) you are 18 years of age or you are at least 13 years of age and have your parent’s or guardian’s consent to open a Card; (2) your personal information is true, correct, and complete; (3) you are a U.S. citizen or legal alien residing in the United States (excluding Vermont) or the District of Columbia; (4) you have provided us with a verifiable U.S. street address (not a P.O. Box); and (5) you have read this Agreement and agree to be bound by and comply with the terms of this Agreement.3. RUSHCARD ACTIVATIONYour RushCard will be initially activated when you successfully set a PIN (defined below) and load funds onto it in accordance with the rules applicable to the Card program in an amount greater than or equal to the Card One-Time Card Fee. See the Fee Schedule for details. If you load funds onto your Card without setting up a PIN, you will not be able to access to the funds until you set up your PIN. After the initial activation, if your Card has to be reissued for any reason, including expiration, you may activate the Card by following the instructions that accompany the Card. The expiration date of the Card is identified on the front of your Card.4. FEE SCHEDULEAll fees will be unloaded from the funds on your Card. Fees will be assessed as long as there is a remaining balance on your Card, except where prohibited by law. Any time your remaining Card balance is less than the fee amount being assessed, the balance of your Card will be applied to the fee amount. With the exception of an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a zero balance on your Card. With respect to an ATM Balance Inquiry Fee, International ATM Balance Inquiry Fee, or Expedited Card Fee, this will result in a negative balance on your Card. If that occurs, funds subsequently deposited into your Card will be applied to the negative balance. If your Card has a negative balance, to the extent permitted by law, we may, at our option and without waiving any of our rights, offset any direct loss up to the amount suffered by us as a result of such use from any balance on your Card or any other RushCard(s) you may have, or you may open in the future. We reserve the right to immediately close your Card and any other Prepaid [redacted] RushCard(s) with us you may have without notice to you. The combined total of Transaction Fees and International Transaction Fees is limited to $10.00 in each calendar month and is based on the date the transaction is posted to your card account as reflected on your statement.2 "In Network" refers to the [redacted] ATM network. Locations of [redacted] ATMs can be found at www.rushcard.com or www.moneypass.com.3 "Out of Network" refers to all ATMs outside of the [redacted] ATM network. When you use an ATM, you may be charged a fee by the ATM operator or any network used to complete the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).4 Currency Conversion Fee also applies.5. PERSONAL IDENTIFICATION NUMBERWhen you activate your RushCard, you must select a Personal Identification Number ("PIN") to be assigned to your Card. Protect your PIN as you would protect your Card. You should not write or keep your PIN with your Card. Never share your PIN with anyone. When entering your PIN, be sure it cannot be observed by others and do not enter your PIN into any terminal that appears to be modified or suspicious. If you believe that anyone has gained unauthorized access to your PIN, you should notify us immediately. Also, please review the paragraph labeled "Your Liability for Unauthorized Transfers."6. AUTHORIZED CARD USERSYou may not permit another person to have access to your Card or Card number. If you provide access or permit another person to use your Card or Card number then you are liable for all transactions and fees incurred by such use of your Card.7. SECONDARY CARDHOLDER/COMPANION CARDSYour RushCard is for use by you. You may not request an additional Card for another person. We do not offer companion or secondary Cardholder Cards. You may not attempt to load your Card with direct deposits designated to another person and no one but you may load funds to the Card.8. CASH ACCESSWith your PIN, you may use your Card to obtain cash from any Automated Teller Machine (“ATM”) or any Point-of-Sale (“POS”) device, as permissible by a merchant that bears the [redacted], [redacted]®, Plus®, [redacted]®, or [redacted]® Acceptance Mark. [redacted] is a surcharge-free ATM network. See www.rushcard.com for a complete list of all surchargefree [redacted] ATMs. All ATM transactions are treated as cash withdrawal transactions. You may use your Card at an ATM. The maximum withdraw from an ATM in one transaction is $500.00. The maximum cumulative amount that may be withdrawn from multiple ATMs per 24 hour period is $1,500.00. You may use your Card to withdraw cash from a bank (over the counter withdrawal). The maximum amount of one over the counter withdrawal is $1,500.00. The maximum cumulative amount that may be withdrawn from multiple over the counter withdrawals per 24 hour period is $1,500.00.9. LOADING A RUSHCARDYou may add funds to your Card, called "value loading", at any time. You may add value or load your Card via direct deposit, ACH transaction from your checking or savings account, Card-to-Card transfers, PayPal, or cash at any Designated Loading Point. See www.rushcard.com for a complete list of Designated Loading Points. You may also obtain information on how to load your Card at www.rushcard.com. The minimum amount of the initial value load and each value reload is $0.01. The maximum amount of each load is belowAll checks (personal, payroll, cashiers) and money orders sent to the Issuer for Card loading will be returned unless we decide in our discretion to load the full amount to apply the check or money order towards a negative balance. Remote check deposit is available through [redacted] (a third party under contract with UniRush to provide you this service) via our mobile app. Terms and conditions apply to the remote check deposit. Visit the mobile app for more details.10. DIRECT DEPOSITThe direct deposit account number associated with your Card cannot be used for payment (preauthorized direct debits from merchants or from utility or Internet service providers). Instead, please use Rush Bill Pay for payments to merchants, utility or internet service providers, see section 11 for details. If a merchant or provider presents the direct deposit number for a payment, this will be declined and your payment to the merchant or provider will not be processed. The bank routing number and direct deposit account number are for the purpose of initiating direct deposits to your prepaid Card Account only. You are not authorized to give the bank routing number and direct deposit account number to anyone other than your employer or payer. YOU AGREE THAT ONLY DIRECT DEPOSITS IN YOUR NAME WILL BE LOADED TO THE CARD. ALL DIRECT DEPOSITS IN THE NAME OF ANYONE ELSE WILL BE DECLINED AND RETURNED.11. CARD FEATURES/USAGE DETAILSCard Details. The maximum combined amount that can be unloaded from your Card per 24 hour period is $2,500.00. The maximum combined value on your Card is $9,999.99. For security reasons, we may further limit the amount, type, or number of transactions you can make on your Card at any time in our discretion. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction.Purchase Details. You may use your Card to purchase or lease goods or services anywhere debit cards, [redacted] cards and [redacted] cards are accepted as long as you do not exceed the value available on your Card. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself.Funds Available. Each time you use your Card, you authorize us to reduce the value available on your Card by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount on your Card through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction.Split Transactions. Some merchants do not allow Cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount you request to be withdrawn from the funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined.Authorization Holds. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount (place a hold) on your Card Account of up to $75.00 or more. This may cause your Card to be declined even though you have sufficient funds on your Card to pay for the transaction. If this happens, pay for your purchase inside and tell the cashier exactly how much you want to spend. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant or we may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on "hold" will be removed. It may take up to thirty-five (35) days for the "hold" to be removed. During the hold period, you will not have access to the preauthorized amount. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days.Preauthorized credits: If you have arranged to have direct deposits made to your RushCard at least once every 60 days from the same person or company, you can call us at ###-###-#### or email us at [email protected] to find out whether or not the deposit has been made.Right to Stop Payments. If you have set up regular payments from your Card, you may stop any of these payments. Here is how: Stop the Payment in Rush Bill Pay or call customer service at 1-866-RUSHCARD (###-###-####) and request a stop payment at least 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to send us your request in writing within 14 days after you call. Notice of varying amounts. If these regular payments may vary in amount, the party you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.)Rush Bill Pay. We make available to you a billpayer system, Rush Bill Pay, which allows for payment to third parties via a pre-authorized electronic deduction or by issuing a paper check. Any payments made through this system will be deducted from the funds on your Card within twenty-four (24) hours or on any future date specified by you. If you do not have the funds available at the time we attempt to make the payment from your Card, the payment will not be made. If you have scheduled multiple payments to be made and the funds on your Card are not sufficient at the time we attempt to complete all of the scheduled payments, we pay only those for which your balance is sufficient to cover, starting with the lowest dollar amount payment. We will notify you by email of any failed attempts to make payments from your Card.12. NON-[redacted] DEBIT TRANSACTIONSNew procedures are in effect that may impact you when you use your Card at certain merchant locations. In the past, transactions have been processed as [redacted] transactions unless you entered a PIN. Now, if you enter a PIN, transactions may be processed as either a [redacted] debit transaction or as a [redacted] transaction.Merchants are responsible for and must provide you with a clear way of choosing to make a [redacted] debit transaction if they support the option. Please be advised that should you choose to use the [redacted] network when making a transaction with a PIN, different terms may apply, such as [redacted]® zero liability, see section 20 for more details. Certain protections and rights applicable only to [redacted] debit transactions as described in this Agreement will not apply to transactions processed on the [redacted] network. Please refer to the paragraph labeled "Your Liability for Unauthorized Transfers" for a description of these rights and protections applicable to [redacted] debit and non-[redacted] debit transactions. To initiate a [redacted] debit transaction at the POS, swipe your Card through a POS terminal, sign the receipt, or provide your Card number for a mail order, telephone, or Internet purchase. To initiate a non-[redacted] debit transaction at the POS, enter your PIN at the POS terminal or provide your Card number after clearly indicating a preference to route your transaction as a non-[redacted] debit transaction for certain bill payment, mail order, telephone, or Internet purchases.13. RETURNS AND REFUNDSIf you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. Neither the Issuer nor UniRush are responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase with a Card. All such disputes must be addressed and handled directly with the merchant from whom those goods or services were provided.14. CARD REPLACEMENTIf you need to replace your Card for any reason, please contact us at 1-866-RUSHCARD (###-###-####) to request a replacement Card. You will be required to provide personal information which may include your Card number, full name, transaction history, copies of accepted identification, etc. There may be a fee to replace your Card. See Fee Schedule for additional information.15. TRANSACTIONS MADE IN FOREIGN COUNTRIES/CURRENCIESIf you obtain your funds or make a purchase in a currency other than in US dollars, the currency which your Card was issued, the amount deducted from your funds will be converted by the network or payment association into US dollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by the network or payment association from the range of rates available in wholesale currency markets for the applicable central processing date, which may vary from the rate the network or payment association itself receives, or the government-mandated rate in effect for the applicable central processing date. If you obtain your funds or make a purchase in a currency other than the currency in which your Card was issued, you will be assessed a foreign currency conversion fee of 3% of the transaction amount unloaded from the funds on your Card and will retain this amount as compensation for its services. Transactions made outside of the 50 United States and the District of Columbia are also subject to this conversion fee even if they are completed in U.S. currency. For security reasons, Issuer or UniRush may limit or deny use of your Card in certain foreign countries or charge you a fee for such usage, see the Fee Schedule for additional information.16. RECEIPTSYou should get a receipt at the time you make a transaction using your Card. You agree to retain, verify, and reconcile your transactions and receipts.17. CARD BALANCE/PERIODIC STATEMENTSYou are responsible for keeping track of your Card’s available balance. Merchants generally will not be able to determine your available balance. It’s important to know your available balance before making any transaction. You may obtain information about the amount of funds you have remaining on your Card by calling the phone number on the back of your Card or visiting us online at www.rushcard.com. Balance information, along with a sixty (60) day (or more) history of Card transactions is also available online at no additional cost at www.rushcard.com. You also have a right to obtain a sixty (60) day written history of Card transactions by calling the phone number on the back of your Card or by writing us at UniRush LLC, [redacted] and requesting the Card history. There is a fee to receive your Card history in writing, see the fee schedule for details. You will not receive paper statements in the mail unless you request paper statements be mailed to you and pay the applicable fee.18. CONFIDENTIALITYWe may disclose information to third parties about your Card or the transactions you make:Where it is necessary for completing transactions;In order to verify the existence and condition of your Card for a third party, such as a merchant;In order to comply with government agency, court order, or other legal or administrative reporting requirements;If you consent by giving us your written permission;To our employees, auditors, affiliates, service providers, or attorneys as needed; orOtherwise as necessary to fulfill our obligations under this Agreement. THIS IS FOR THE CABLE BILL PORTION OF DISPUTE AND WHAT THEIR TERMS AND CONDITIONS SAY:19. OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONSIf we do not properly complete a transaction from your Card on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:If through no fault of ours, you do not have enough funds available on your Card to complete the transaction;If a merchant refuses to accept your Card;If an ATM where you are making a cash withdrawal does not have enough cash;If an electronic terminal where you are making a transaction does not operate properly, and you knew about the problem when you initiated the transaction;If access to your Card has been blocked after you reported your Card lost or stolen;If access to your Card has been blocked by us for suspected fraud.If there is a hold or your funds are subject to legal or administrative process or other encumbrance restricting their use;If we have reason to believe the requested transaction is unauthorized;If circumstances beyond our control (such as fire, flood, or computer or communication failure) prevent the completion of the transaction, despite reasonable precautions that we have taken; orAny other exception stated in our Agreement with you.THIS IS THE PART FOR THE ENTIRE SITUATION AND WHAT I AM SUPPOSED TO HAVE FOR PROTECTION IF I DO MY PART AND CONTACT THEM IN DUE TIME20. LOST OR STOLEN CARDS/YOUR LIABILITY FOR UNAUTHORIZED TRANSACTIONSNetwork transactions. Contact us at once if you believe your Card has been lost or stolen. Telephoning is the best way to minimize your possible losses. If you believe your Card has been lost or stolen, or that someone else has transferred or may transfer money from your Card, call us at 1-866-RUSHCARD (###-###-####).Under [redacted] U.S.A. Inc. Operating Regulations, your liability for unauthorized [redacted] debit transactions on your Card is $0.00 if you are not grossly negligent or fraudulent in the handling of your Card. This reduced liability does not apply to PIN transactions not processed by [redacted] or ATM cash withdrawals.Under [redacted] zero liability rules, your liability for unauthorized [redacted] debit transactions using your PIN on the [redacted] network with your Card account is $0.00 if you notify us within two (2) business days and you exercise reasonable care in safeguarding your Card from loss, theft, or unauthorized use. This reduced liability does not apply if a PIN is used as a method of verification for a disputed transaction or you have reported two (2) or more incidents of unauthorized use in the immediately preceding twelve (12) month period.If your Card has been lost or stolen, we will close your Card to keep losses down.Your Liability for Unauthorized Transfers on your Card.Tell us AT ONCE if you believe your Card or PIN has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning toll-free at ###-###-#### is the best way of keeping your possible losses down. You could lose all the money in your Card account. If you tell us within 2 business days after you learn of the loss or theft of your Card or PIN, you can lose no more than $50 if someone used your Card or PIN without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your Card or PIN, and we can prove we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500. Also, if your electronic history shows transfers that you did not make, including those made by your Card or other means, tell us at once. If you do not tell us within 60 days after the earlier of the date you electronically accessed your account (if the unauthorized transfer could be viewed in your electronic history), or the date we sent the FIRST written history on which the unauthorized transfer appeared, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period.(*WHAT I WAS SUPPOSE TO GET FOR DOING THE RIGHT THING!)21. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS ON YOUR PERSONALIZED CARDIn case of errors or questions about your Card, call us at the number provided on the back of your Card, write to Cardholder Services at UniRush LLC, [redacted], or email [email protected] as soon as you can. We must allow you to report an error until sixty (60) days after the earlier of the date you electronically access your Card, if the error could be viewed in your electronic history, or the date we sent the FIRST written history on which the error appeared. You may request a written history of your transactions at any time by calling us at the number provided on the back of your Card or writing us at UniRush LLC, [redacted]. Fees may apply, see the Fee Schedule for details.You will need to tell us:Your name and Card number.Why you believe there is an error, and the dollar amount involved.Approximately when the error took place.If you provide this information orally, we may require that you send your complaint or question in writing within ten (10) business days.We will determine whether an error occurred within ten (10) business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question.IMPORTANT: If we ask you to put your complaint or question in writing and you do not provide it within ten (10) business days, we may not provide a provisional credit to your Card. If we decide to do this, we will credit your Card within ten (10) business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. This type of credit is referred to as a "provisional" (or temporary) credit. (I never received any credit for the time being to pay my bills and rent, and if I don't have by the 8th I am going to be homeless) If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents we used in our investigation. If you have any further questions regarding our error resolution procedures, please contact us by calling us at ###-###-#### or via email at [email protected]."(https://www.rushcard.com/legal/cardholder-policy-terms)...⇄ have emailed and called them to get a statement emailed and faxed to me so that I can have some documentation for these ERRORs well I wait and wonder. I am so frustrated they asked me not to contact Revdex.com until after they credited my account and that if I didn't wait it could affect the outcome of my claim. I didn't put several claims in like they are stating I asked them to cancel my cards and change my account due to being compromised and they didn't close the card with all my funds on it they closed the other card that I didn't even set up yet due to I was gonna allow my daughter to use it and it was lost,stolen or compromised same date and time. 8/26/16 after 230-3pmThank you again and let me know how I can be of assistance to get this settled for my families sake of a home. thank you [redacted] I apologize for the length but I am trying to be very thorough and complete. my contact information is [redacted]-Cell###-###-####-Home
October 21,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 13, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on
deposit at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
October 23,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 18, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. A small number of accounts are still in an
inactive state which can be corrected when the cardholder contacts us. We are proactively reaching out to our
customers who were impacted by the outage and confirming that their cards are
working properly. In addition, as a
Thank You to our cardholders for sticking with us, we have announced a Fee
Holiday beginning November 1, 2015 and continuing through February 29,
2016. For more details, please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on deposit
at the issuing bank and protected by FDIC insurance. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service
This letter is in response to the consumer complaint # referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. In [redacted] complaint he states, he disputed unauthorized transactions; however, his dispute was denied. He is requesting a refund. Our records indicate on October 6, 2017, [redacted] disputed unauthorized transactions with [redacted]. He claimed his card was in his possession and his pin written on the back of his card. On October 23, 2017, [redacted] dispute was denied due to pattern of use. Regards, RushCard Corporate Customer Service
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Im not sure if anyone is reading my responses or not but this is my second time attaching proof to the Revdex.com that I changed my plan on 8.31.2015 to pay as you go. It disturbs me deeply that no one is viewing my proof and responding to that fact. Yes I received a voicemail from someone with a 513 area code and I called back and left a voicemail. No one called back. I feel that I am being taken in circles with this company and I dont deserve or appreciate it. It does not seem that I am getting help from the Revdex.com either. Maybe I need to take this matter to a higher authority. I do not appreciate being ignored or made to feel like I am a liar and out to hash a scheme. Someone needs to call my phone, acknowledge that my email proof is valid and stop sending contradicting responses in regard to the credit/bill amounts. I changed my plan AUGUST 31, 2015. I HAVE ATTACHED AN EMAIL AS PROOF 3 times (1-to RUSH AND 2- to the Revdex.com) but I am STILL BEING ACCUSED OF NOT CHANGING MY PLAN.
Regards,
*** ***
February 9, 2016 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: ...
Revdex.com [redacted] Complaint date: February 9, 2016 To Whom It May Concern: This letter is in response to the consumer complaint # [redacted] referenced above. UniRush, LLC which is the program manager for the Rushcard prepaid debit card program takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources. [redacted] states in his complaint that RushCard has not credited his direct deposit funds. [redacted] also states that he wants his deposit credited to his RushCard account. RushCard records indicate that no deposit has posted to date for $132.93 to [redacted] account. While we are often able to provide access to funds up to two days before the effective date, funds availability is largely based on the source of the direct deposit and the timing of the payer funding. On February 9, 2017 a corporate customer service representative contacted [redacted] to advise him of this information. [redacted] states that he will contact the remitter of the funds again and provide any trace information to RushCard to try and locate the deposit. We appreciate [redacted] feedback. Regards, RushCard Corporate Customer Service
December 3, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: November 28, 2015To Whom It May
Concern:This
letter is in response to the consumer complaint referenced above. UniRush, LLC which provides the RushCard prepaid
card takes customer complaints seriously and strives to provide quality
customer service while dutifully protecting customer funds and information. RushCard
experienced a significant service interruption on Monday, October 12, 2015 related
to our processor conversion. The
conversion took significantly longer than expected and we were down for several
hours more than we had previously alerted our cardholders. In addition, after we came back up, we
experienced delays in posting direct deposits, the cardholder website was
intermittently unavailable and some information on the website, including
balance information, was incorrect. In
addition, a small subset of cardholders were locked out of their accounts. These problems dramatically increased traffic
to the call center. We increased the
number of incoming trunk lines to the maximum supported by the telecom
equipment, but still experienced longer than usual wait times and some callers
were unable to get through. We
worked around the clock to resolve these problems. At this time, our system is up and running
and cardholders have access to their funds and account information. We are proactively
reaching out to our customers who were impacted by the outage and confirming
that their cards are working properly.
In addition, as a Thank You to our cardholders for sticking with us, we
have announced a Fee Holiday beginning November 1, 2015 and continuing through
February 29, 2016. For more details,
please visit https://blog.rushcard.com/rushcard-fee-holiday/.It is important to
note that while we had processing issues and at times customers were unable to
use their cards, at no times were cardholder funds or personal information at
jeopardy. At all times, cardholder funds were accounted for and on
deposit at the issuing bank and protected by FDIC insurance. On October 12, 2015, [redacted] attempted to
process a card to card transfer in the amount of $454.88 from card number ending
in [redacted] to [redacted]. The card to card transfer failed and the funds were not deducted
from [redacted]’ RushCard account. Attached to the complaint response is a
screenshot of the failed transfer. We appreciate this
feedback and sincerely apologize for the service issues and inconvenience our
cardholders experienced following the processor conversion. Our goal is to
provide financial convenience supported by reliable customer service. RushCard Customer
Service