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.
According to my rewcords this business owes me an additional 87.00. The excuse for not rewarding me this amount is that my complaint is over 90 days old. I am only beginning to recheck my prior statements with this company, and, I am finding many mistakes.
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. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Myesha Mcmullen
4/21/2015
Complaint
Unauthorized transactions, reported to company, advised of policy and I have talk with 4 people everyone tells you something different
I called in to advise that there were several charges on my card from [redacted]. they advised me that with the dispute process it could take up to 90 days, but I...
would qualify for a temporary credit after 10 days. I allowed more than ten days and called back on day 12. the advisor told me he had seen that the forms were received that I had to send in and everything was ok. so but to allow another day before I would receive credit. so I did called back and the lady told me she didn't see the for[redacted] I told her they needed to listen to the last call that isn't want he told me. so she was like it isn't anything we can do, she should have sent them I told them I did, she got me to a supervisor. this lady tells me to send the forms again, and she will have them reviewed again and I will received my credit 10 more days have went by and nothing. the forms were received and they lied to me. so I spoke with another person and supervisor about the credit back to my card. he said it only take 45 days not 90 days and that I should have received a credit by now. that I will not get one and that isn't want I was told at all.
Desired Resolution
I want my money back now, I don't want to wait. I know that I didn't compete the charges.
October 20,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 14, 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 4, 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 November 28, 2015, an expedited replacement
card was issued to the address on the account. On December 1, 2015, [redacted]
contacted RushCard customer service and advised that she did not receive the
card replacement. On December 2, 2015, another expedited card was issued to [redacted] address which was received the next business day. [redacted] activated her
card and has unlimited access to her account. 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] called Revdex.com on 2/16/17 indicating he's heard nothing regarding his claim that Unirush states they reopened on 1/276/17. Would appreciate a status update.
October 28,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: ...
[redacted]
[redacted] Complaint number: [redacted] Complaint date: October 21, 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
VIA ONLINE
SUBMISSION:
RevDex.com
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re: Consumer: [redacted]
...
Complaint number: [redacted]
Complaint
date: May 21, 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 had debit from her account
by [redacted] for the amount of $104.00, and that RushCard put a hold on her
account. Ms. [redacted] also states that she
would like the hold to be removed from her RushCard account.
On May 21, 2016 [redacted] spoke with RushCard dispute
department regarding a transaction for the amount of $104.00. The disputes department placed a temporary
hold on [redacted] RushCard account ending in [redacted]. The transaction for the amount of $104.00 has
been credited to the RushCard account on May 21, 2016. A corporate customer service specialist attempted
to contact [redacted] on May 31, 2016 to advise her of this information.
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.
December 21, 2015 VIA ONLINE SUBMISSION: Revdex.com 7 W Seventh St Suite 1600 Cincinnati Ohio 45202 �...⇄ Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: November 29, 2015 To 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. Per previous response, On October 19, 2015, RushCard debited $344.14 from [redacted] account to recoup the initial credit issued in advance of the direct deposit posted on 10/16/2015. RushCard issued two supplementary courtesy credits of $344.14 per credit, to recompense [redacted] for the unusual account fluctuations and inconvenience caused by the service interruption. On October 2, 2015, the referrer applied for a RushCard with using a referral code [redacted] at the time of the application. On October 29, 2015, [redacted] contacted RushCard customer service and advised that her account and the referee was never provided the $20.00 refer a friend credit to both of their accounts. The referred cardholder will be required to load a minimum of $40.00 to the new card before the $20/$20 will payout. 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 Corporate Customer Service
November 3, 2017 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 ...
Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: November 2, 2017 To Whom It May Concern: This letter is in response to the consumer complaint number 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 RushCard blocked his card for months. [redacted] states he has sent in the necessary documents into RushCard numerous times. [redacted] also states that he wants access to his direct deposit funds. Our records indicate that on September 6, 2017 [redacted] RushCard ending in 6397 was blocked due to being confirmed compromised. On September 6, 2017 [redacted] was advised of this information. On September 18, 2017 [redacted] called to get a replacement card and update his address. [redacted] failed RushCard’s verification process. As per the RushCard Cardholder Agreement, RushCard requested proof of identity from [redacted]. [redacted] was asked to submit a copy of his Social Security Card, Government Issued Identification, and proof of address dated within the last 30 days. As of November 1, 2017, RushCard is requesting a clear copy of [redacted] Government Issued Identification and a valid form of proof of address. On November 3, 2017, a RushCard corporate resolution specialist contacted [redacted] to advise of this information. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. RushCard, Corporate Customer Service
The Revdex.com 7 W Seventh St Suite 1600Cincinnati Ohio 45202-2468 May 5, 2015 RE: Complaint ID: [redacted] We received [redacted] complaint regarding her cardstatus and the availability of her funds. RushCard logs all customer contactand activity...
associated with financial cards. After review of [redacted] account I am showing her cardwas blocked on 12/11/2014 due to her calling customer service and failingverification that was processed on the account. Documents were requested from[redacted] at the time of the account being blocked, but were never sent bythe cardholder. We are showing a MoneyGram load of $100.00 on 4/3/2015 to theblocked account for [redacted]. Unfortunately, due to the load being a thirdparty load, I cannot redirect the funds. The load can only be posted to theintended account. After further review on the account, I am showing documentswere requested again in April 2015 once the load was posted. Documents havebeen received as well as validated; the address on [redacted] account hasbeen updated. We have recently tried to reach out to [redacted] to discussfurther action with her RushCard, a voicemail was left on her Mobile Number forthe account. We will need to validate the RushCard that is in [redacted]’possession in order to unblock the card. In the event [redacted] Chamber does not havethe most recent card, we can get one sent out to the updated address as soon aspossible. Please request that [redacted] contacts corporate customerservice at, ###-###-#### option 1 to have this resolved as quickly as possible.We sincerely apologize for any inconvenience this has caused [redacted] and weappreciate her feedback. These typesof issues go directly against our mission of access and inclusion for everyoneand we look to be clearer and avoid similar problems for all of our customers. Regards, [redacted]Customer Service SpecialistTell us why here...
October 20, 2017 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: September 28, 2017 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 he requested for a replacement card and has not received it. [redacted] requested for the replacement card to be sent to a temporary address. [redacted] requests to have the replacement card sent to the correct address and to have access to his funds. On September 25, 2017, [redacted] requested a replacement card to be sent to the temporary address of 9020 Tuscany Way Austin TX 78754-4730. The replacement card was processed and has not been received as of date. On October 19, 2017 [redacted] card was replaced again expedited and will be received in 1-2 business days. The expediated fee of $30.00 has been waived. On October 19, 2017, a RushCard corporate resolutions specialist spoke with [redacted] to advise of the replacement card status. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. RushCard, Corporate Customer Service
March 2, 2017VIA ONLINE SUBMISSION:Revdex.com® 1 E 4th, STE 600Cincinnati Ohio 45202Re: 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 March 2, 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 contends that a transaction was withdrawn from her account that she did not authorize. [redacted] also states she contacted RushCard customer service and was given the runaround with no assistance. On March 2, 2017, a corporate customer service specialist contacted [redacted] regarding the transaction for $5.09 and $8.49 from [redacted]. The transactions settled on March 1, 2017. [redacted] was advised that she would need to file a dispute for the transactions if she did not agree with the debit from her account. [redacted] was advised of the disputes process to file a claim. We appreciate [redacted] feedback. Sincerely,RushCard Customer Service
October 23, 2015
VIA ONLINE
SUBMISSION:
Revdex.com®
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re: Complaint #[redacted]
Consumer:
[redacted]
To Whom It May Concern:
This letter is in response to the attached complaint,
Complaint No. 10818178, which the Revdex.com® (“Revdex.com”) received from [redacted] on October 9, 2015. 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 contends that RushCard would not
release an authorization hold that was made on October 7, 2015 in the amount of
$263.04.
On October 7, 2015 RushCard
received an authorization hold on [redacted]’ RushCard account ending in 9687
for $263.04. [redacted] was instructed by RushCard
customer service to send a Merchant Hold Release Letter to validate and release
the pending hold. The Merchant Hold Release Letter was never received, therefore
the authorization hold was released on October 17, 2015. On October 15, 2015, A RushCard Corporate
Customer Service Specialist contacted [redacted] and explained the Merchant Hold
Release process.
We appreciate [redacted]’
feedback and hope to provide a better understanding or the authorization
process.
Satoyra H.
Corporate 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 feel like that's an unacceptable response. I would like to know exactly where they are in this "investigation" and what steps do they take to investigate. It shouldn't take 3 months. I want my money back.Regards,
[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.
I did in fact discuss the deposits coming in under my business name. If, they had played the call back, they would know this. The response they gave, is almost verbatim to what I have told the representatives and Corporate. It is conveniently omitting that I did in fact tell the agent who opened the account for me that this would be in my business name.
Regards,
[redacted]
As I have said over and over; my account was hacked! Here is the second faxed copy of the dispute form sent on 12/18/17. The one they said they did not get. As you can see by the cover sheet, it was faxed in by [redacted] Office. I have been fighting this case since November 21 at 8 AM when I made the phone call to Rushcard. I was hacked; Rushcard does not offer checks, or check service, and [redacted] clearly used my account to pay [redacted] as a check payment, and I want my money back! This is the last reply from me. I will hire an attorney,
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] Problem: I've contacted in Irish several times about my refund check they said they sent it out on August 3,2016 and I still haven't gotten it.I contacted in Irish again on August 11 ,2016 and spoken to a supervisor and she senta message to the back office and still no updates.I've asked them several times to please send me my bill pay refund express so I can get it.
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. For your reference, details of the offer I reviewed appear below. RushCard issued two supplementary courtesy credits of $261.72 per credit, to recompense [redacted]’ for the unusual account fluctuations and inconvenience caused by the service interruption. Attached to the complaint response is the two direct deposits that were posted [redacted] RushCard account.... This was copied directly from the response and I will re-attach the same file they attached... It still shows no deposits of $261.72 but the direct deposits from my employer that are high-lighted. They state, yet again, that they issued two credits to recompense the unusual account fluctuations and I still haven't received one... I will also attach a copy of my statements from October as well as Novemeber so far to prove that nosuch credit has been made.
Regards,
[redacted]
December 9, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: October 19, 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. Per the previous response,
a $20.00 courtesy credit has been issued to [redacted] RushCard account. Ms.
[redacted] agreed to the $30.00 expedited card fee and the fee will not be waived. There will not be any other credits applied to
[redacted] RushCard account. 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.
According to my rewcords this business owes me an additional 87.00. The excuse for not rewarding me this amount is that my complaint is over 90 days old. I am only beginning to recheck my prior statements with this company, and, I am finding many mistakes.
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. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Myesha Mcmullen
4/21/2015
Complaint
Unauthorized transactions, reported to company, advised of policy and I have talk with 4 people everyone tells you something different
I called in to advise that there were several charges on my card from [redacted]. they advised me that with the dispute process it could take up to 90 days, but I...
would qualify for a temporary credit after 10 days. I allowed more than ten days and called back on day 12. the advisor told me he had seen that the forms were received that I had to send in and everything was ok. so but to allow another day before I would receive credit. so I did called back and the lady told me she didn't see the for[redacted] I told her they needed to listen to the last call that isn't want he told me. so she was like it isn't anything we can do, she should have sent them I told them I did, she got me to a supervisor. this lady tells me to send the forms again, and she will have them reviewed again and I will received my credit 10 more days have went by and nothing. the forms were received and they lied to me. so I spoke with another person and supervisor about the credit back to my card. he said it only take 45 days not 90 days and that I should have received a credit by now. that I will not get one and that isn't want I was told at all.
Desired Resolution
I want my money back now, I don't want to wait. I know that I didn't compete the charges.
Consumer Business Dialog
October 20,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted]...
[redacted] Complaint number: [redacted] Complaint date: October 14, 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 4, 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 November 28, 2015, an expedited replacement
card was issued to the address on the account. On December 1, 2015, [redacted]
contacted RushCard customer service and advised that she did not receive the
card replacement. On December 2, 2015, another expedited card was issued to [redacted] address which was received the next business day. [redacted] activated her
card and has unlimited access to her account. 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] called Revdex.com on 2/16/17 indicating he's heard nothing regarding his claim that Unirush states they reopened on 1/276/17. Would appreciate a status update.
October 28,
2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: ...
[redacted]
[redacted] Complaint number: [redacted] Complaint date: October 21, 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
May 31, 2016
VIA ONLINE
SUBMISSION:
RevDex.com
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re: Consumer: [redacted]
...
Complaint number: [redacted]
Complaint
date: May 21, 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 had debit from her account
by [redacted] for the amount of $104.00, and that RushCard put a hold on her
account. Ms. [redacted] also states that she
would like the hold to be removed from her RushCard account.
On May 21, 2016 [redacted] spoke with RushCard dispute
department regarding a transaction for the amount of $104.00. The disputes department placed a temporary
hold on [redacted] RushCard account ending in [redacted]. The transaction for the amount of $104.00 has
been credited to the RushCard account on May 21, 2016. A corporate customer service specialist attempted
to contact [redacted] on May 31, 2016 to advise her of this information.
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
December 21, 2015 VIA ONLINE SUBMISSION: Revdex.com 7 W Seventh St Suite 1600 Cincinnati Ohio 45202 �...⇄ Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: November 29, 2015 To 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. Per previous response, On October 19, 2015, RushCard debited $344.14 from [redacted] account to recoup the initial credit issued in advance of the direct deposit posted on 10/16/2015. RushCard issued two supplementary courtesy credits of $344.14 per credit, to recompense [redacted] for the unusual account fluctuations and inconvenience caused by the service interruption. On October 2, 2015, the referrer applied for a RushCard with using a referral code [redacted] at the time of the application. On October 29, 2015, [redacted] contacted RushCard customer service and advised that her account and the referee was never provided the $20.00 refer a friend credit to both of their accounts. The referred cardholder will be required to load a minimum of $40.00 to the new card before the $20/$20 will payout. 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 Corporate Customer Service
November 3, 2017 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 ...
Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: November 2, 2017 To Whom It May Concern: This letter is in response to the consumer complaint number 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 RushCard blocked his card for months. [redacted] states he has sent in the necessary documents into RushCard numerous times. [redacted] also states that he wants access to his direct deposit funds. Our records indicate that on September 6, 2017 [redacted] RushCard ending in 6397 was blocked due to being confirmed compromised. On September 6, 2017 [redacted] was advised of this information. On September 18, 2017 [redacted] called to get a replacement card and update his address. [redacted] failed RushCard’s verification process. As per the RushCard Cardholder Agreement, RushCard requested proof of identity from [redacted]. [redacted] was asked to submit a copy of his Social Security Card, Government Issued Identification, and proof of address dated within the last 30 days. As of November 1, 2017, RushCard is requesting a clear copy of [redacted] Government Issued Identification and a valid form of proof of address. On November 3, 2017, a RushCard corporate resolution specialist contacted [redacted] to advise of this information. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. RushCard, Corporate Customer Service
The Revdex.com 7 W Seventh St Suite 1600Cincinnati Ohio 45202-2468 May 5, 2015 RE: Complaint ID: [redacted] We received [redacted] complaint regarding her cardstatus and the availability of her funds. RushCard logs all customer contactand activity...
associated with financial cards. After review of [redacted] account I am showing her cardwas blocked on 12/11/2014 due to her calling customer service and failingverification that was processed on the account. Documents were requested from[redacted] at the time of the account being blocked, but were never sent bythe cardholder. We are showing a MoneyGram load of $100.00 on 4/3/2015 to theblocked account for [redacted]. Unfortunately, due to the load being a thirdparty load, I cannot redirect the funds. The load can only be posted to theintended account. After further review on the account, I am showing documentswere requested again in April 2015 once the load was posted. Documents havebeen received as well as validated; the address on [redacted] account hasbeen updated. We have recently tried to reach out to [redacted] to discussfurther action with her RushCard, a voicemail was left on her Mobile Number forthe account. We will need to validate the RushCard that is in [redacted]’possession in order to unblock the card. In the event [redacted] Chamber does not havethe most recent card, we can get one sent out to the updated address as soon aspossible. Please request that [redacted] contacts corporate customerservice at, ###-###-#### option 1 to have this resolved as quickly as possible.We sincerely apologize for any inconvenience this has caused [redacted] and weappreciate her feedback. These typesof issues go directly against our mission of access and inclusion for everyoneand we look to be clearer and avoid similar problems for all of our customers. Regards, [redacted]Customer Service SpecialistTell us why here...
October 20, 2017 VIA ONLINE SUBMISSION: Revdex.com 1 E. Fourth Street, Suite 600 Cincinnati, OH 45202 Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: September 28, 2017 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 he requested for a replacement card and has not received it. [redacted] requested for the replacement card to be sent to a temporary address. [redacted] requests to have the replacement card sent to the correct address and to have access to his funds. On September 25, 2017, [redacted] requested a replacement card to be sent to the temporary address of 9020 Tuscany Way Austin TX 78754-4730. The replacement card was processed and has not been received as of date. On October 19, 2017 [redacted] card was replaced again expedited and will be received in 1-2 business days. The expediated fee of $30.00 has been waived. On October 19, 2017, a RushCard corporate resolutions specialist spoke with [redacted] to advise of the replacement card status. We appreciate [redacted] feedback. Our goal is to provide financial convenience supported by reliable customer service. RushCard, Corporate Customer Service
March 2, 2017VIA ONLINE SUBMISSION:Revdex.com® 1 E 4th, STE 600Cincinnati Ohio 45202Re: 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 March 2, 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 contends that a transaction was withdrawn from her account that she did not authorize. [redacted] also states she contacted RushCard customer service and was given the runaround with no assistance. On March 2, 2017, a corporate customer service specialist contacted [redacted] regarding the transaction for $5.09 and $8.49 from [redacted]. The transactions settled on March 1, 2017. [redacted] was advised that she would need to file a dispute for the transactions if she did not agree with the debit from her account. [redacted] was advised of the disputes process to file a claim. We appreciate [redacted] feedback. Sincerely,RushCard Customer Service
October 23, 2015
VIA ONLINE
SUBMISSION:
Revdex.com®
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re: Complaint #[redacted]
Consumer:
[redacted]
To Whom It May Concern:
This letter is in response to the attached complaint,
Complaint No. 10818178, which the Revdex.com® (“Revdex.com”) received from [redacted] on October 9, 2015. 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 contends that RushCard would not
release an authorization hold that was made on October 7, 2015 in the amount of
$263.04.
On October 7, 2015 RushCard
received an authorization hold on [redacted]’ RushCard account ending in 9687
for $263.04. [redacted] was instructed by RushCard
customer service to send a Merchant Hold Release Letter to validate and release
the pending hold. The Merchant Hold Release Letter was never received, therefore
the authorization hold was released on October 17, 2015. On October 15, 2015, A RushCard Corporate
Customer Service Specialist contacted [redacted] and explained the Merchant Hold
Release process.
We appreciate [redacted]’
feedback and hope to provide a better understanding or the authorization
process.
Satoyra H.
Corporate 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 feel like that's an unacceptable response. I would like to know exactly where they are in this "investigation" and what steps do they take to investigate. It shouldn't take 3 months. I want my money back.Regards,
[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.
I did in fact discuss the deposits coming in under my business name. If, they had played the call back, they would know this. The response they gave, is almost verbatim to what I have told the representatives and Corporate. It is conveniently omitting that I did in fact tell the agent who opened the account for me that this would be in my business name.
Regards,
[redacted]
As I have said over and over; my account was hacked! Here is the second faxed copy of the dispute form sent on 12/18/17. The one they said they did not get. As you can see by the cover sheet, it was faxed in by [redacted] Office. I have been fighting this case since November 21 at 8 AM when I made the phone call to Rushcard. I was hacked; Rushcard does not offer checks, or check service, and [redacted] clearly used my account to pay [redacted] as a check payment, and I want my money back! This is the last reply from me. I will hire an attorney,
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.
Rushcard does not do credit advances. Rushcard is not a bank, Meta Payment Systems, a division of [redacted] is in an agreement with UniRush, LLC, to issue the Prepaid Rushcards. If Rushcard had the authorization to do preauthorized credits, they would have to go through [redacted], but [redacted] would need to do a credit check on me to authorize a credit to my prepaid card, I checked [redacted] has not done a credit check on me. I do not have an account with [redacted]. I have not received any phone calls or messages from Rushcard. Rushcard is not a credit card, I copied and pasted the terms and conditions below from Rushcards website, https://www.rushcard.com/legal/cardholder-agreement Please review the section Preauthorized credits. PREPAID VISA® RUSHCARD CARDHOLDER AGREEMENTIMPORTANT – 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 atwww.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.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.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 [redacted]; (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.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.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.FeeRush Unlimited PlanPay As You Go PlanDescriptionOne-Time Card Fee$3.95-$9.95$3.95-$9.95The One-Time Card Fee is based on the plastic design requested and is paid by you when you first load funds on your Card.Monthly Fee$7.95 OR $5.95 if you receive a payroll/government benefit Direct Deposit in the calendar monthNO CHARGEMonthly Fee assessed on the first day of every month. For your first month, the Monthly Fee may be prorated based on the date you first load funds on your Card.Transaction FeeNO CHARGE$1.00 each, limited to $10.00 total (Transaction Fees and International Transactions Fees as identified below) in each calendar month.1Assessed each time you make a signature purchase transaction (you sign the receipt or device at the time of purchase or purchase online) or PIN purchase transaction (you input your PIN before making a purchase).Add Money FeeNO CHARGENO CHARGEThird party load partners may charge a fee for use of their services.Toll-Free Telephone Balance InquiriesNO CHARGENO CHARGEYou may call the phone number printed on your Card at any time to receive your balance using our automated Voice Response system.ATM Balance Inquiry Fee – In Network2NO CHARGENO CHARGENo additional fees will be assessed by either RushCard or the ATM operator at ATMs within the MoneyPass network.ATM Balance Inquiry Fee – Out of Network3$0.50$0.50Assessed if you request a Card balance at an Out of Network ATM located in the 50 [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.ATM Withdrawal Fee – In Network2NO CHARGENO CHARGENo additional fees will be assessed by either RushCard or the ATM operator at ATMs within the MoneyPass network.2ATM Withdrawal Fee – Out of Network3$2.50$2.50Assessed if you use your Card to obtain cash from an Out of Network ATM located in the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.Rush Bill Pay Enrollment FeeNO CHARGENO CHARGEThere is no additional fee to enroll in Rush Bill Pay.Over the Counter Withdrawal Fee$2.50$2.50Assessed if you withdraw money over the counter at a financial institution.Card To Card Transfer FeePersonal Card-to-Card (transfers between the same Cardholder): NO CHARGE Cardholder-to-Cardholder:$0.99Personal Card-to-Card (transfers between the same Cardholder): NO CHARGE Cardholder-to-Cardholder: $0.99Assessed if you initiate a transfer of your funds from one Card to another Card.Replacement Card FeeFirst Card replacement in any 12 month period at NO CHARGE - $4.95 for each Card replacement within 12 months thereafter.First Card replacement in any 12 month period at NO CHARGE -$4.95 for each Card replacement within 12 months thereafter.No One-Time Card Fee will be assessed if you keep the same Card design. If you wish to change your Card design, the applicable One-Time Card Fee will be assessed as described above. This fee will vary depending on the Card design you choose.Expedited Card Fee$30.00$30.00Assessed if you request to issue your Card in the expedited time frame of two to three days.Expedited Cash Fee$30.00$30.00Assessed if you request to receive the balance of your Card sent to you via cash through one of our Designated Loading Partners if you have reported your Card as lost or stolen and do not have access to your Card balance.Paper Statement Fee$1.00$1.00Assessed each time you request a paper statement be mailed.Maintenance FeeNO CHARGE$1.95As permitted by law, Maintenance Fee will be assessed if there are no transactions or loads posted to your Card for at least ninety (90) consecutive days. Maintenance Fee is assessed each month and will be deducted from your Card balance until you next use your Card.INTERNATIONAL FEESInternational Transaction Fee4NO CHARGE$2.00 each, limited to $10.00 total (Transaction Fees and International Transactions Fees) in each calendar month.1Assessed if you make an international signature purchase transaction (you sign the receipt or device at the time of purchase or purchase online) or PIN POS purchase transaction (you input your PIN before making a purchase). The purchase would be made outside the [redacted] or the [redacted].International ATM Balance Inquiry Fee4$1.00$1.00Assessed if you request a Card balance at an ATM located outside the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.International ATM Withdrawal Fee4$2.50$2.50Assessed if you use the Card to obtain cash from an ATM located outside the [redacted] or the [redacted]. You may be charged an additional fee by the ATM operator even if you do not complete a transaction. This ATM fee is a third party fee amount assessed by the individual ATM operator and will be charged to your Card.Currency Conversion FeeSee DescriptionSee DescriptionYou may be charged a fee of up to 3% of the converted U.S. dollar amount of any transaction made in a currency other than U.S. dollars. See section 15 for additional information.Over the Counter Withdrawal Fee4$2.50$2.50Assessed if you withdraw money over the counter at an international financial institution1 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 MoneyPass ATM network. Locations of MoneyPass ATMs can be found at www.rushcard.com or www.moneypass.com.3 "Out of Network" refers to all ATMs outside of the MoneyPass 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.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."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.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.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 Visa, Interlink®, Plus®, Maestro®, or MoneyPass® Acceptance Mark. MoneyPass is a surcharge-free ATM network. See www.rushcard.com for a complete list of all surcharge-free MoneyPass 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 $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.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 below.Load TypeLoad LimitCash$1,000.00 total per 24 hour periodCard-to-Card transfer between two Cardholders$2,000.00 total per monthCard-to-Card transfer - one Cardholder with two or more Cards$2,000.00 total per 24 hour period & $5,000.00 total per monthACH/Direct Deposit via employer issued payroll$5,000.00ACH via PayPal, Government Benefits, or Child Support$2,000.00ACH - Tax Refund$9,999.99You will have access to your funds at the times noted below. The access times vary with each load method.Load TypeAccessDirect Deposit/ACHUsually same day as received; maybe up to 2 days early based upon source of the direct deposit and the timing of the payer fundingCash LoadUsually within one (1) hour, but no later than the next business dayRushCard to RushCard Transfer (1 or 2 Cardholders)Usually on the date specified by you, but no later than the next business dayPayPalSame day as receivedAll 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], Inc. (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.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.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, Interlink cards and Maestro 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.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 Maestro 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 Maestro network when making a transaction with a PIN, different terms may apply, such as MasterCard® 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 Maestro 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.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.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.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 [redacted] 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.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.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, P.O. Box 42482, Cincinnati, OH 45242 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.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.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.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 MasterCard zero liability rules, your liability for unauthorized MasterCard debit transactions using your PIN on the Maestro 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.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, P.O. Box 42482, Cincinnati, OH 45242, 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, P.O. Box 42482, Cincinnati, OH 45242. 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. 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. 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]: 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.Miscellaneous Terms/Governing LawThe Card and your obligations under this Agreement may not be assigned. We may transfer our rights under this Agreement. Use of your Card is subject to all applicable rules and customs of any clearinghouse or other association involved in transactions. We do not waive our rights by delaying or failing to exercise them at any time. If any provision of this Agreement shall be determined to be invalid or unenforceable under any rule, law, or regulation of any governmental agency, local, state, or federal, the validity or enforceability of any other provision of this Agreement shall not be affected. This Agreement will be governed by the law of the State of Delaware except to the extent governed by federal law.Amendment and Termination/CancellationWe may amend or change the terms and conditions of this Agreement at any time. Please review the latest Agreement online at www.rushcard.com. If required by applicable law, you will be notified of any change prior to the effective date of the change. If the change is made for certain reasons such as security purposes, we can implement such change without prior notice. We may cancel or suspend your Card or this Agreement at any time. You may cancel this Agreement by returning the Card to us. Your termination of this Agreement will not affect any of our rights or your obligations arising under this Agreement prior to termination.For security or other reasons, we may consider your Card inactive or dormant after a certain period of time as determined by us (such period normally being not less than 45 days) during which time you have not used your Card for any transactions or during which time you have maintained a zero or negative balance on your Card. If your Card is inactive, we may close or cancel the Card at our discretion. The Card and the funds loaded on your Card also may be deemed abandoned after a period of time specified by applicable law. Card funds that are presumed to be abandoned will be escheated to the appropriate state in accordance with applicable law. If your Card is closed with a negative balance, we may in our discretion (1) close your other Cards and/or (2) block you from applying for a new Card until you bring the Card with the negative balance positive, or (3) 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 Prepaid [redacted] RushCard(s) you may have, or you may open in the future.In the event that your Card is cancelled, closed, or terminated for any reason, you may request the unused balance, to be returned to you via a check to the mailing address we have in our records. We reserve the right to refuse to return any unused balance amount less than $1.00.If we identified any fraudulent, illegal or any other use of your Card which is not permitted by this Agreement, 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 Prepaid [redacted] 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.As Program Provider for your Prepaid [redacted] RushCard, UniRush has certain responsibilities with respect to you and your Card Account as described in this Agreement. One of those responsibilities is to choose the issuing bank for your RushCard and to direct the funds in your Card Account to be deposited at that issuing bank. By accepting and using your RushCard you appoint UniRush as custodian for your Card Account solely for the purpose of choosing the issuing bank for your RushCard and directing the funds in your Card Account to be deposited at the issuing bank. You acknowledge and agree that UniRush may choose to change the issuing bank for your RushCard at any time in UniRush’s sole discretion and direct the issuing bank to transfer the funds in your Card Account to the successor issuing bank selected by UniRush. UniRush will send written notice to you either electronically (if you have agreed to receive notices from UniRush electronically) or at the mailing address UniRush has on file for you, at least thirty (30) days before UniRush chooses to change the issuing bank for your Prepaid [redacted] RushCard and direct the transfer of funds to the successor issuing bank. The notice will include instructions describing how and when you may opt-out of the transfer of the funds in your Card Account. Opting-out of such a transfer will result in the closing of your RushCard and UniRush will return any funds in your Card Account, in excess of $1.00, by issuing a check to you. Under these circumstances, no fee will be charged for the check.English Language ControlsAny translation of this Agreement is provided for your convenience. The meanings of terms, conditions and representations herein are subject to definitions and interpretations in the English language. Any translation provided may not accurately represent the information in the original English.Customer ServiceFor customer service or additional information regarding your Card, please contact us at 1-866-RUSHCARD (###-###-####) or:UniRush, LLCP.O. Box 42482Cincinnati, OH 45242Email: [email protected] your security, please DO NOT send the following information via e-mail:Your 16 digit Account numberYour Personal Identifiable Information – such as Social Security Number or BirthdateYour RushCard logon information (User ID or password)Images of Identification (your state issued ID or social security card)Customer Service agents are available twenty-four (24) hours a day, seven (7) days a week.Telephone Monitoring/Recording/Calling & SolicitationWe may monitor and/or record telephone calls between you and us to assure the quality of our customer service or as required by applicable law. To the extent permitted by applicable law, you consent and agree that RushCard and service providers under contract to provide services for RushCard may contact you at any telephone number(s) that you provided or any number RushCard has for you in its records, including your cellular or other wireless device to service your Card. RushCard has your permission to contact you by any means available, including by text message. You also agree that RushCard may contact you using prerecorded messages or automatic dialers.No Warranty Regarding Goods or ServicesWe are not responsible for the quality, safety, legality, or any other aspect of any goods or services you purchase with your Card. You understand and agree all issues with the quality, safety, legality or any other aspect or services you purchase with a RushCard must be addressed and handled directly with the merchant from whom those goods or services were provided.Your Change of AddressYou are responsible for notifying us promptly upon a change to your address. If your address changes to a non-US address or a US address in the state of Vermont, we may close your Card and return or make the available funds to you.Privacy and Data ProtectionInformation We Collect ("Cardholder Information")Information about purchases made with the Card, such as date of purchase, amount and place of purchase;Information provided to us when the Card is requested; andInformation you provide when you call about the Card.Information Security:Only those persons who need it to perform their job functions are authorized to have access to Cardholder Information. In addition, we maintain physical, electronic and procedural security measures that comply with federal regulations to safeguard Cardholder Information.Disclosure:We may use Cardholder Information to provide customer service, to develop marketing programs, to help protect against fraud and to conduct research and analysis. In addition, it is often necessary for us to disclose Cardholder Information for the same purposes to companies that work with us. For example, we may provide certain Cardholder Information to companies that perform business operations or services on our behalf. We may also provide certain Cardholder Information to others as permitted by law, such as government entities or other third parties in response to subpoenas.Other Important InformationIf you are a resident of California or Vermont, we will not share with non-affiliates except for our own marketing purposes, our everyday business purposes, or with your consent. Nevada residents: We are providing this notice pursuant to Nevada law.ARBITRATIONAny claim, dispute, or controversy ("Claim") arising out of or relating in any way to: (i) this Agreement; (ii) your Card; (iii) the Cards of any additional cardholders designated by you; (iv) your purchase of the Card; (v) your usage of the Card; (vi) the amount of available funds on the Card; (vii) advertisements, promotions or oral or written statements related to the Cards, as well as goods or services purchased with the Card; (viii) the benefits and services related to the Cards; or (ix) transaction on the Card, no matter how described, pleaded or styled, shall be FINALLY and EXCLUSIVELY resolved by binding individual arbitration conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. This arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act (9 U.S.C. 1-16).We will pay the initial filing fee to commence arbitration and any arbitration hearing that you attend shall take place in the federal judicial [redacted] your residence.ARBITRATION OF YOUR CLAIM IS MANDATORY AND BINDING. NEITHER PARTY WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM THROUGH A COURT. IN ARBITRATION, NEITHER PARTY WILL HAVE THE RIGHT TO A JURY TRIAL OR TO ENGAGE IN DISCOVERY, EXCEPT AS PROVIDED FOR IN THE AAA CODE OF PROCEDURE.For a copy of the procedures, to file a Claim or for other information about these organizations, contact them as follows: AAA, at 335 Madison Avenue, New York, NY 10017 or at www.adr.org. All determinations as to the scope, interpretation, enforceability and validity of this Agreement shall be made final exclusively by the arbitrator, which award shall be binding and final. Judgment on the arbitration award may be entered in any court having jurisdiction.NO CLASS ACTION, OR OTHER REPRESENTATIVE ACTION OR PRIVATE ATTORNEY GENERAL ACTION OR JOINDER OR CONSOLIDATION OF ANY CLAIM WITH A CLAIM OF ANOTHER PERSON OR CLASS OF CLAIMANTS SHALL BE ALLOWABLE.This arbitration provision shall survive: (i) the termination of the Agreement; (ii) the bankruptcy of any party; (iii) any transfer, sale or assignment of your Card, or any amounts owed on your Card, to any other person or entity; or (iv) expiration of the Card. If any portion of this arbitration provision is deemed invalid or unenforceable, the remaining portions shall remain in forceIF YOU DO NOT AGREE TO THE TERMS OF THIS ARBITRATION AGREEMENT, DO NOT ACTIVATE OR USE THE CARD. SAVE YOUR RECEIPT AND CALL US AT THE NUMBER PROVIDED ON THE BACK OF YOUR CARD TO CANCEL AND TO REQUEST A REFUND.Disclaimer of WarrantiesEXCEPT AS EXPRESSLY OTHERWISE PROVIDED IN THIS AGREEMENT OR REQUIRED BY LAW, WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND TO YOU, WHETHER EXPRESS OR IMPLIED, REGARDING THE CARD, INCLUDING, WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.Limited Liability.UNLESS OTHERWISE REQUIRED BY LAW OR THIS AGREEMENT, [redacted] OR UniRush WILL NOT BE LIABLE TO YOU FOR: DELAYS OR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND OUR CONTROL, INCLUDING, WITHOUT LIMITATION, ACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF MERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEM FAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO YOUR EQUIPMENT, ANY INTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE EVENT THAT EITHER [redacted] OR UniRush IS HELD LIABLE TO YOU, YOU WILL ONLY BE ENTITLED TO RECOVER YOUR ACTUAL DAMAGES. IN NO EVENT SHALL YOU BE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN CONTRACT, TORT OR OTHERWISE), EVEN IF YOU HAVE ADVISED US OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE EXTENT OTHERWISE REQUIRED BY LAW. TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT YOUR RECOVERY FOR ANY ALLEGED NEGLIGENCE OR MISCONDUCT BY THE [redacted] OR UniRush SHALL BE LIMITED TO THE TOTAL AMOUNT LOADED ON THE CARD.This Cardholder Agreement is effective 11/17/2014.This Card is issued by [redacted], Member FDIC.[redacted]
[redacted]For customer service or additional information regarding your Card, please contact us at 1-866-RUSHCARD (###-###-####) or:UniRush, LLCP.O. Box 42482Cincinnati, OH 45242© 2004-2014 [redacted]
Regards,
[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.
Regards,
[redacted] Problem: I've contacted in Irish several times about my refund check they said they sent it out on August 3,2016 and I still haven't gotten it.I contacted in Irish again on August 11 ,2016 and spoken to a supervisor and she senta message to the back office and still no updates.I've asked them several times to please send me my bill pay refund express so I can get it.
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. For your reference, details of the offer I reviewed appear below. RushCard issued two supplementary courtesy credits of $261.72 per credit, to recompense [redacted]’ for the unusual account fluctuations and inconvenience caused by the service interruption. Attached to the complaint response is the two direct deposits that were posted [redacted] RushCard account.... This was copied directly from the response and I will re-attach the same file they attached... It still shows no deposits of $261.72 but the direct deposits from my employer that are high-lighted. They state, yet again, that they issued two credits to recompense the unusual account fluctuations and I still haven't received one... I will also attach a copy of my statements from October as well as Novemeber so far to prove that nosuch credit has been made.
Regards,
[redacted]
December 9, 2015VIA ONLINE SUBMISSION:RevDex.com 7 W Seventh St
Suite 1600Cincinnati Ohio
45202Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: October 19, 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. Per the previous response,
a $20.00 courtesy credit has been issued to [redacted] RushCard account. Ms.
[redacted] agreed to the $30.00 expedited card fee and the fee will not be waived. There will not be any other credits applied to
[redacted] RushCard account. 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