Ready Credit Corporation

Initial Business Response / [redacted] (1000, 5, 2016/01/15) */ Dear Ms [redacted] , We apologize for any miscommunication that happened during your call with our representativesWe had a discussion with our dispute department to better understand all the details regarding the disputed transactions that took place in Alabama and MississippiAfter reviewing the investigation, we did not find that an error had occurredThe type of activity that appeared on the account did not fit a fraud patternThe card you reported to be compromised was used after the disputed transactions took placeThose transactions that took place afterwards were ones you authorized, since those were not disputed, which is evidence that the card was in your possession during this timeFurthermore, you communicated to us that no one else had access to your PIN number however there were no PIN declines nor changes to the PIN numberNo further attempts were made in Mississippi and Alabama on the card after the disputed transactionsThe receipts and the hospital paper work you submitted did not provide additional support in the dispute case since they were dated after the disputed transactions took placeBased on this, it was determined that no error was found and no credit would be provided Thank you, ReadyCARD Customer Service Team Initial Consumer Rebuttal / [redacted] (2000, 7, 2016/01/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) As I told the rep that cancelled my card, my card was in my possession I never stated that it wasn'tWhen I noticed the transactions on the 29th of December I called to file a dispute and was told to with draw the remaining funds out of my account so the card could be cancelled and that's what I didYes my card was used because I wasn't expecting anyone to be using it in another stateNo I did dispute charges in gainesville florida because those are transactions that I madeFurthermore I was never asked if anyone else has my pin so that information was never communicated cause it was never bought upThe entire statement is a complete lieI never left gainesville let alone Florida so I know I didn't make the other out of state purchasesI even contacted the hotel that stated they couldn't fine anything that shows I was there and I needed to contact my bankI also asked was the merchants contacted during the investigation but nick/Noah stated he couldn't provide that informationThis is not a way to handle customer that are a victim of fraudIf it's not resolved the next step will be civil courtI also have pictures taken with my family that also shows that I was in Gainesville with my family at my mom's residence where I reside

Initial Business Response / [redacted] (1000, 5, 2015/07/02) */ Dear Ms [redacted] , We apologize for any inconvenience this may have caused you or your daughterWe would be happy to mail a transaction summary to you to review if you would likeWe want to provide each of our customers with the best possible experience of using this card and being able to use the funds that are loaded on it at the time of purchase Cards that are issued from the kiosk at airports are instant anonymous cards and can be used anywhere Visa / MasterCard is exceptedThis card product does not have the functionality of going online and registering the card nor checking transaction history or balanceWe are very sorry for any miscommunication that was delivered to you and will address with the agent that informed you of this As for disputing charges, considering these cards are instant anonymous cards, disputes would not be honored as the card is not a personalized card with your daughters name on itOnce again these cards are instant anonymous prepaid debit cards and if lost or stolen can still be used by any other individual, just like cashWe would however be able to go over any transaction history with you over the phone to verify where the funds were spentWe would also suggest that you reach out to the companies in which the funds were spent at and request for a refund We are willing to talk to you over the phone regarding this matter and help resolve any conflict that this card has given youPlease reach out to us at the number listed on the back of your card and request to speak to either a supervisor or manager Thank you, ReadyCARD Customer Service Manager Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) I absolutely do not accept this answerNo where does it state at the time of purchase that this card is an "instant anonymous cash card" and that your money isn't protectedI also have no interest in calling in and speaking to another one of your "supervisors" as they were the most unhelpful, rude people I spoke to at your companyYes, the list needs to be mailed, but I also need the refundAlso, you should not be marketing a card where people can not review or dispute transactions on their cardThat's ridiculousHow can someone keep track of their spending if they have no way to review it? It sounds like this is what happened with my daughter's moneyI believe you guys take money off of peoples cards because you know that they cannot view their transactions, so they can't prove it and you won't be caught Final Consumer Response / [redacted] (3000, 11, 2015/07/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) No, not acceptableWe reviewed the kioskThere is nothing on it pertaining to what you stated aboveWe have found and contacted other customers of yours that have experienced the same problems with your companyThey have lost substantial amounts of moneyWe will be looking for more of your victims and together will file a class action law suitI can assure you that you messed with the wrong person this time Final Business Response / [redacted] (4000, 9, 2015/07/06) */ All customers have the ability to view the Terms and Conditions associated with the card product on the kiosk at the time of purchaseIf they purchase a card, they are agreeing to these termsCards that are issued do not have an individuals name printed on the card therefore these are classified as "instant" cards and are subject to being treated like cashWe would be happy to mail a transaction statement to you, to do so we will need the following information; Your card number, your address, phone number, and who to address the letter to Please let us know if you have any further questions Thank you, ReadyCARD Customer Service

Initial Business Response / [redacted] (1000, 10, 2015/07/24) */ Hello ***, We are sorry you are experiencing these issues with your Instant ReadyCARDIt appears that our customer service supervisor (Abe) has been able to reach out to you regarding your card and was able to activate your card upon receiving the refund verification documents and verifying that informationThe fax number you provided on the document was correct and our fax is working properly as we have been receiving faxes all day We apologize for any delay this may have causedWe hope you do not have any future issues with the card and using itIf so, please feel free to reach out to use at "[email protected]" Thank you, ReadyCARD Customer Service

Myreadycard company contacted me and promised me they will solve my problem

Thank-you for allowing to turn this unfortunate incident around for ***The card that *** was trying to register requires a phone registration by using the phone number on the back of the card and speaking to a live agenOnce we received this email from *** that she was in Guatmala and
did not have phone access to register her card, we were able to register her card with her US addressThe funds are now available for *** to use*** also has our email information to contact if she does run into any issues trying to spend the amount on the card. Thank you. Wendy

I am rejecting this response because:
Since I have to wait for up to more days, I do not accept this response until I get a definitive answer

Hello ***, Appreciate you reaching out to me regarding your lost card, in our research a card was mailed to address: *** *** *** *** ***, MplsMN The last digits on the replacement card was ***. If you did not receive the card we will block the card number and
resend you another cardAny question regarding the remaining balance and or transaction activity on the card please contact me at ###-###-####. Thank you Wendy C

Thank you for reaching out to us regarding *** ***'s concernRCC blocked the lost card and mailed a replacement card to *** *** *** ** Orinda, CA Attention *** *** on 7/27/There is a pending dispute on the original purchased cardPlease note a dispute can take at times
anywhere from 45-days to completeI will send the information to our processing company and have them follow up to ensure that a dispute form was sent to *** ***

Initial Business Response /* (1000, 5, 2016/01/15) */
Dear Ms***,
We apologize for any miscommunication that happened during your call with our representativesWe had a discussion with our dispute department to better understand all the details regarding the disputed transactions that took
place in Alabama and MississippiAfter reviewing the investigation, we did not find that an error had occurredThe type of activity that appeared on the account did not fit a fraud patternThe card you reported to be compromised was used after the disputed transactions took placeThose transactions that took place afterwards were ones you authorized, since those were not disputed, which is evidence that the card was in your possession during this timeFurthermore, you communicated to us that no one else had access to your PIN number however there were no PIN declines nor changes to the PIN numberNo further attempts were made in Mississippi and Alabama on the card after the disputed transactionsThe receipts and the hospital paper work you submitted did not provide additional support in the dispute case since they were dated after the disputed transactions took placeBased on this, it was determined that no error was found and no credit would be provided
Thank you,
ReadyCARD Customer Service Team
Initial Consumer Rebuttal /* (2000, 7, 2016/01/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
As I told the rep that cancelled my card, my card was in my possession I never stated that it wasn'tWhen I noticed the transactions on the 29th of December I called to file a dispute and was told to with draw the remaining funds out of my account so the card could be cancelled and that's what I didYes my card was used because I wasn't expecting anyone to be using it in another stateNo I did dispute charges in gainesville florida because those are transactions that I madeFurthermore I was never asked if anyone else has my pin so that information was never communicated cause it was never bought upThe entire statement is a complete lieI never left gainesville let alone Florida so I know I didn't make the other out of state purchasesI even contacted the hotel that stated they couldn't fine anything that shows I was there and I needed to contact my bankI also asked was the merchants contacted during the investigation but nick/Noah stated he couldn't provide that informationThis is not a way to handle customer that are a victim of fraudIf it's not resolved the next step will be civil courtI also have pictures taken with my family that also shows that I was in Gainesville with my family at my mom's residence where I reside

Initial Business Response /* (1000, 10, 2015/07/24) */
Hello [redacted],
We are sorry you are experiencing these issues with your Instant ReadyCARD. It appears that our customer service supervisor (Abe) has been able to reach out to you regarding your card and was able to activate your card upon...

receiving the refund verification documents and verifying that information. The fax number you provided on the document was correct and our fax is working properly as we have been receiving faxes all day.
We apologize for any delay this may have caused. We hope you do not have any future issues with the card and using it. If so, please feel free to reach out to use at "[email protected]".
Thank you,
ReadyCARD Customer Service

Initial Business Response /* (1000, 5, 2015/07/02) */
Dear Ms. [redacted],
We apologize for any inconvenience this may have caused you or your daughter. We would be happy to mail a transaction summary to you to review if you would like. We want to provide each of our customers with the best...

possible experience of using this card and being able to use the funds that are loaded on it at the time of purchase.
Cards that are issued from the kiosk at airports are instant anonymous cards and can be used anywhere Visa / MasterCard is excepted. This card product does not have the functionality of going online and registering the card nor checking transaction history or balance. We are very sorry for any miscommunication that was delivered to you and will address with the agent that informed you of this.
As for disputing charges, considering these cards are instant anonymous cards, disputes would not be honored as the card is not a personalized card with your daughters name on it. Once again these cards are instant anonymous prepaid debit cards and if lost or stolen can still be used by any other individual, just like cash. We would however be able to go over any transaction history with you over the phone to verify where the funds were spent. We would also suggest that you reach out to the companies in which the funds were spent at and request for a refund.
We are willing to talk to you over the phone regarding this matter and help resolve any conflict that this card has given you. Please reach out to us at the number listed on the back of your card and request to speak to either a supervisor or manager.
Thank you,
ReadyCARD Customer Service Manager

Initial Consumer Rebuttal /* (3000, 7, 2015/07/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I absolutely do not accept this answer. No where does it state at the time of purchase that this card is an "instant anonymous cash card" and that your money isn't protected. I also have no interest in calling in and speaking to another one of your "supervisors" as they were the most unhelpful, rude people I spoke to at your company. Yes, the list needs to be mailed, but I also need the refund. Also, you should not be marketing a card where people can not review or dispute transactions on their card. That's ridiculous. How can someone keep track of their spending if they have no way to review it? It sounds like this is what happened with my daughter's money. I believe you guys take money off of peoples cards because you know that they cannot view their transactions, so they can't prove it and you won't be caught.
Final Consumer Response /* (3000, 11, 2015/07/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No, not acceptable. We reviewed the kiosk. There is nothing on it pertaining to what you stated above. We have found and contacted 18 other customers of yours that have experienced the same problems with your company. They have lost substantial amounts of money. We will be looking for more of your victims and together will file a class action law suit. I can assure you that you messed with the wrong person this time.
Final Business Response /* (4000, 9, 2015/07/06) */
All customers have the ability to view the Terms and Conditions associated with the card product on the kiosk at the time of purchase. If they purchase a card, they are agreeing to these terms. Cards that are issued do not have an individuals name printed on the card therefore these are classified as "instant" cards and are subject to being treated like cash. We would be happy to mail a transaction statement to you, to do so we will need the following information; Your card number, your address, phone number, and who to address the letter to.
Please let us know if you have any further questions.
Thank you,
ReadyCARD Customer Service

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

On Friday, October 20, 2017 I sent an email to [redacted] requesting additional information. See a copy of the email below:Sent: Friday, October 20, 2017 3:51 PM  Hello [redacted], I just read your complaint with the Revdex.com and would like to help you. The daytime phone number provided was...

answered but you were not at that number. In order to assist you I will need more information.  Please call me with your card number- please do not email me the card number. Due to the Patriot Act-anti money laundering act, the machines can only load $1,000 per card. Did you get more than one card? You may use the card on many websites, but the card needs to be registered. (we can assist you if you have not been able to register you card) If you purchased the card from one of our kiosk at the airport, there is a one time 5.00 fee and a dormant fee if you do not use the card for 12 months.   Also, can you tell me what number you dialed that was posted on the back of your card? My hours are Monday- Friday 8:00-5:00 Central Standard Time.