Swift Prepaid Solutions, Inc..

We apologize for any inconvenience Mr. [redacted] may have experienced in attempting to use or activate the card. Card ending [redacted] has been activated and is ready to be used. If Mr. [redacted] has any further questions regarding this claim, please have him contact us at [redacted]  Thank you,...

Swift Prepaid Solutions

Initial Business Response /* (1000, 5, 2015/04/27) */
We apologize for any inconvenience Ms. [redacted] may have experienced. Per terms and conditions of the card, printed on the card sleeve handed out with the card and at our website www.[redacted].com printed on the back of the card....

The card funds do expire on the date printed on the front of the card and are subject to a $10 reissue fee for any reason including expiration date, which a new card has to be reissued to the cardholder. The $2.95 monthly maintenance fee is applicable after expiration as well. The corporate incentive reward cards that Swift Prepaid Solutions issues, do fall within other guidelines and are able to have different expiration dates, unlike consumer funded gift cards, which do have a longer set expiration date. The original card (ending in [redacted]) remains expired and unusable due to the expiration date encoded in the magnetic stripe on the back of the card. As an exception and a courtesy to the card holder, Ms. [redacted], we will be reissuing her card with no fees with another 6 month expiration date; we are unable to extend a 5 year expiration date because of program parameters set up with our client. The new card (ending in [redacted]) should be received within the next 10 business days at the address provided in the Revdex.com information. If Ms. [redacted] has any further questions regarding this claim, please have her contact us at X-XXX-XXX-XXXX.
Thank you,
Swift Prepaid Solutions.
Initial Consumer Rebuttal /* (3000, 7, 2015/04/28) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do appreciate that I will be receiving a new card within the next ten days.
However, the primary motivation for my complaint is that I believe the Swift Prepaid Solutions terms of service to be deceptive. The purpose of this deception appears to be retention of consumers' money.
I contend that the conditions under which the cards are given to market research study participants qualify the cards under the definition of "general use pre-paid card," which makes them subject to the CARD Act. In fact, when I called [redacted] Research on April 23 to ask how much I was paid last November, I stated that my query was for tax purposes. [redacted] in [redacted]'s Bethesda office responded, "it's a gift," in her explanation of why the income did not need to be reported to the IRS. There was no loyalty, award, or promotional program under which the card was issued. I am not an employee or a customer of [redacted] Research.
Futhermore, even for a rewards card, four months is a dramatically short period of validity. Swift Prepaid Solutions seems to be setting short windows for card use as a matter of practice. The apparent intent is to collect more money in fees.
Last, when consumers, myself included, call Swift using the 800-number on the card, we are told that we must pay a re-issue fee for expired cards. Numerous Revdex.com complaints document this problem. Yet, if one complains to Revdex.com, suddenly the reissue fees disappear. While this saves me $10, I am still concerned about these opportunistic fees. Numerous consumers will pay them and not know that, should they complain here rather than call the number on the card, the fees can be eliminated.

I had received a prepaid card as a gift and tried to use it and it did not work. Then realized that it is a reward card and it expires 1 year from issue. I have tried to contact the number on the back of the card and there was no answer. I emailed the company through the website provided and did not receive an answer. I further went to their website and and found another number to contact and still no one answered. I had to look to Revdex.com to find the long distance number to call and finally someone answered. I was told that since no one called to reactivate the card during the 2 month grace period I was out of luck and they cannot reactivate since the card is now expired. No where on the card states that they cannot reactivate it or send out a new card. It just states that the card expires on the month and date listed on the card and a monthly maintenance fee of $2.95 will be charge starting on the beginning of the following month following expiration. By looking at the back of the card there should still be approx. $30 left on the card. But since they stated to me that there is nothing they can do because the card is closed?

Initial Business Response /* (1000, 5, 2015/05/26) */
We apologize for any inconvenience Mr. [redacted] may have experienced. Per terms and conditions of the card posted at our website www.prepaidcardstatus.com printed on the back of the card. The card funds do expire on the date...

printed on the front of the card and are subject to a $10 reissue fee for any reason including expiration date, which a new card has to be reissued to the cardholder. The $2.95 monthly maintenance fee is applicable after expiration as well. The corporate incentive reward cards that Swift Prepaid Solutions issues, do fall within other guidelines and are able to have different expiration dates, unlike consumer funded gift cards, which do have a longer set expiration date. The original card (ending in [redacted] remains expired and unusable due to the expiration date encoded in the magnetic stripe on the back of the card. As an exception and a courtesy to the cardholder, Mr. [redacted] we will be reissuing his card with no fees. The new card (ending in [redacted] should be received within the next 10 business days at the address provided in the Revdex.com information. The card can be used as a credit to make purchases or the PIN can be retrieved at our website (www.prepaidcardstatus.com) or by calling X-XXX-XXX-XXXX to make purchases as a debit. If Mr. [redacted] has any further questions regarding this claim, please have him contact us at X-XXX-XXX-XXXX.
Thank you,
Swift Prepaid Solutions

Initial Business Response /* (1000, 8, 2015/08/03) */
We apologize for any inconvenience Mr. Michael [redacted] may have experienced. Per terms and conditions of the card posted at our website www.prepaidcardstatus.com and printed on the back of the card. The card funds do expire on the date...

printed on the front of the card and are subject to a $10 reissue fee for any reason including expiration date, which a new card has to be reissued to the cardholder. The $2.95 monthly maintenance fee is applicable after expiration as well for each month expired. The corporate incentive reward cards that Swift Prepaid Solutions issues, do fall within other guidelines and are able to have different expiration dates, unlike consumer funded gift cards, which do have a longer set expiration date. The original card (ending in [redacted]) remains expired and unusable due to the expiration date encoded in the magnetic stripe on the back of the card. As an exception and a courtesy to the cardholder, Mr. [redacted], we will be reissuing his card with no fees. The new card (ending in [redacted]) should be received within the next 10 business days at the address provided in the Revdex.com information. If Mr. [redacted] has any further questions regarding this claim, please have him contact us at 1-888-794-3828.
Thank you,
Swift Prepaid Solutions

Initial Business Response /* (1000, 8, 2015/08/12) */
We apologize for any inconvenience Mr. [redacted] may have experienced. [redacted] is one of the merchants that participate in the [redacted] program per the [redacted] website. Mr. [redacted] card was successfully used at...

another participating merchant [redacted] on 07/27/2015 for the full amount of $50. If Mr. [redacted] has any further questions regarding this claim, please have him contact us at X-XXX-XXX-XXXX.
Thank you,
Swift Prepaid Solutions
Initial Consumer Rebuttal /* (3000, 10, 2015/08/12) */
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted] is correct that I used the $50 at [redacted] after submitting my initial claim (about 2 weeks later). I'm not satisfied, however, that they claim that the card is accepted at [redacted] and it clearly wasn't. I would like an explanation as to why I couldn't use the card at one of the retailers listed on their website - [redacted] which I tried over 6x. At this point, I'm asking my company to discontinue business with [redacted] because of advertising falsely that it was accepted at [redacted] - I wasted too much time trying to contact [redacted] and following their direction in driving to different retail outlets that "accept" their card just to be turned away with another, "Your card has been declined". The whole experience was horribly embarrassing, and their response is, [redacted] is one of the merchants that participate in the [redacted] program"...I believe I've proven that's incorrect. Absolutely unacceptable.
Final Business Response /* (4000, 12, 2015/08/20) */
We apologize for any inconvenience or misunderstanding Mr. [redacted] may have experienced. [redacted] is one of the merchants that participate in the [redacted] program per the [redacted] website. Each merchant supplies their merchant codes for each store and the merchant codes are added daily by our processor. We apologize that this particular store was not added at the time of Mr. [redacted]'s attempted spend, but we have updated all of [redacted] locations now correctly to the system. As, a courtesy for the inconvenience that Mr. [redacted] experienced we have issued a [redacted] prepaid card in the amount of $20 to Mr. [redacted]. The card ending in [redacted] should be delivered to the address on the Revdex.com information in 7-10 business days. The card issued is not a [redacted] card, it is a [redacted] prepaid card that can be spent anywhere [redacted] is accepted. If Mr. [redacted] has any further questions regarding this claim, please have him contact us at X-XXX-XXX-XXXX.
Thank you,
Swift Prepaid Solutions
Final Consumer Response /* (2000, 14, 2015/08/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I appreciate the apology as well as the [redacted] prepaid card. This company stands behind their products and owns its mistakes. I am extremely grateful. Thank you.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11146225, and find that this resolution is satisfactory to me.  Thank you Revdex.com for your help and action in getting this issue resolved. Also thanks to Swift for reissuing the cards.
Sincerely,
William [redacted]

Hi Revdex.com and [redacted]
We are willing to review the card accounts and respond accordingly, but we are unable to find card accounts with the name provided in the Revdex.com complaint [redacted] We would need to cross reference the name and address to be sure we are reviewing the...

correct card accounts. The other option is if actual card account numbers can be provided. Sometime are cards are not personalized and are embossed generically with "Thank You", which can cause an issue with locating the card accounts without the card account numbers. Additionally I tried to search by phone number and email address, but was unsuccessful. Many times updated cardholder information is not updated on the card account, which can make it difficult to find card accounts.If possible please supply the full card account numbers for further review. We look forward to reviewing the card accounts and resolving this issue as soon as possible.
Thank you for your coorperation.
Swift Prepaid Solutions

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.
Sincerely,
A B[redacted]

We apologize for any inconvenience Mr. Gerard L[redacted] may have experienced. As a one-time courtesy to the cardholder, Mr. L[redacted], we have reversed all deducted fees, bringing the card to it's full original balance of $120. The card account is activated and can be used immediately.  ...

 If Mr. L[redacted] has any further questions regarding this claim, please have him contact us at [redacted]    Thank you,  Swift Prepaid Solutions

Hi [redacted]
Can you please provide the last 4 digits of the 4 cards in question?
Once we have identified the specific cards we will be able to do research into each card account and resolve your complaint in a timely manor.
We appreciate your time in helping us identify the...

specific cards.Thanks,
Swift Prepaid Solutions.