Unirush Financial Services

October 14,VIA ONLINE SUBMISSION:Revdex.com® 7W Seventh St Suite 1600CincinnatiOhio Re: Case # [redacted] Consumer: [redacted] To Whom ItMay Concern: This letter is in response to theattached complaint, Case No [redacted] , whichthe Revdex.com® (“Revdex.com”)received from [redacted] , on October 12, UniRush, LLC d/b/a RushCardtakes customer complaints seriously and strives to provide quality customerservice while dutifully protecting customer identities and resources RushCardcompletely understands the impact our mandatory updates have had on ourcardholders and we thank you for your patience during this transitionWe are not ableto respond in a timely manner to the high level of cardholder volume ande-mails that are being received We have been workingdiligently to get our system back up and running smoothlyCurrently ourwebsite is stable and will have accurate account information and full access.Your RushCard is available to make purchases and should be functioningproperlyAt RushCard, it is our responsibility to have ourcardholders’ funds available 24/7, when neededWe understand the seriousconsequences when we fail in meeting that expectationA $customerservice credit has been provided to [redacted] account for the inconvenience Again, we deeply apologize for the problems this outagecaused and pledge our best efforts toward preventing this from happening againRegards, Tyree T.Customer Service Specialist

The Revdex.com [redacted] ***Cincinnati Ohio [redacted] RE: Case [redacted] February 6, We received Mr***’s complaint regarding his blocked account and the level of customer service received due to his card being blocked RushCard logs all customer contact and activity associated with financial cards RushCard’s standard operating procedures require that we monitor our customer accounts for compliance, suspicious activity, account take over, fraudulent activity and to protect the integrity of RushCard as a business and our customer accounts On 1/8/Mr***’s card was blocked due to possible account take overPer process and procedure we have asked Mr [redacted] to provide us verification documentation (valid State issued ID/Driver’s License, SS card, proof of address – dated within the last days and release papers)Mr [redacted] sent in documents that were forwarded to the Corporate Office for reviewDocuments were reviewed and card has been unblockedWe apologize for the inconvenience that this has caused Mr*** We appreciate Mr***’s feedbackThese types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer to avoid similar problems for all of our customers Regards, [redacted] Customer Service Specialist

The Revdex.com [redacted] Case- [redacted] October 8, We received Ms***’s complaint regarding access to her funds and the level of customer service received RushCard logs all customer contact and activity associated with financial cards On 10/4/Ms [redacted] called in to request a card replacement and the agent issued a replacement card for Ms***’s other accountThis caused the active card to become permanently blockedWe apologize for the inconvenience and customer service experience Ms [redacted] had with our call centerThis has been sent over for feedback so we can coach and train the representative correctly to avoid situations like thisA new card has been expedited on 10/4/and the $ [redacted] fee has been waived due to this error We appreciate Ms***’s feedback These types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer and avoid similar problems for all of our customers Regards, [redacted] Customer Service Specialist

Revdex.com W Seventh Street, Suite Cincinnati, Ohio RE: Case [redacted] March 4, We received Mr ***’s complaint regarding access to his funds and the level of customer service received RushCard logs all customer contact and activity associated with financial cards During tax season here at Rushcard we experience an enormous amount of fraudulent and suspicious activityTax refund deposits are heavily scrutinized and in some cases we may ask for verification documentation to post deposits We show we received a federal tax refund deposit for Mr [redacted] on 2/18/with an effective date of 2/20/ We requested additional documentation to validate her account and the tax refundsThe validation process must be completed prior to any funds being releasedWe acknowledge the delay in posting the deposit, typically there’s a 2-business day turnaround but the President’s Day holiday added a couple more days to the turnaround time for processingUpon receiving all necessary documentation to validate Mr***’s account and tax refund our corporate staff was able to post and release Ms***’ tax refund on 2/27/We sincerely apologize for the delay and any inconvenience it may have caused Ms*** We appreciate Mr***’s feedbackThese types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer to avoid similar problems for all of our customers Regards, [redacted] CS – Audit/Compliance Analyst

July 29th, 2016VIA ONLINE SUBMISSION:Revdex.com EFourth Street, Suite 600Cincinnati, OH 45202Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: June 25th, 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 On June 06, 2016, [redacted] contacted UniRush to file a dispute claimShe said her card was used fraudulently to process a payment to [redacted] **, totaling $on June 5th, [redacted] stated she never authorized anyone to use her cardUniRush used its resources through [redacted] to recover the funds for [redacted] On July 15th, [redacted] provided documents with [redacted] address [redacted] as the servicing address [redacted] claimed fraud; however, she benefited from the transitionUniRush concludes no error found; therefore, no credit will be issuedIf [redacted] has any additional questions or concerns, she can reach us by calling customer service at ###-###-#### in the future for any concerns regarding her RushCard accountRegards,RushCard Corporate Customer Service Regards,RushCard Corporate Customer Service

Revdex.com Cincinnati Ohio face="Times New Roman" size="3"> W Seventh St Suite Cincinnati Ohio RE: Case [redacted] – [redacted] March 31, We received [redacted] complaint regarding the level of customer service received RushCard logs all customer contact and activity associated with financial cards I am unable to find an account for [redacted] using the address, phone number, and name provided for this complaintI would be more than happy to investigate this situation for [redacted] and assist in any way possible, with additional informationIf the address given is not the address where [redacted] received the card, please provide that address, the name how it appears on the card, and color or design of the card Upon receipt of additional identifying information from [redacted] we will be happy to further research this matter Regards, [redacted] Customer Service Specialist

On complaint [redacted] stated representative, she spoke to the representative; they told her she would get provisional credit after she sends the form back signed. However, she... did not receive the funds. She said she had called multiple times and spoke with rude representatives and supervisors and was they placed on a long hold. RushCard keeps recorded of every call and action done to an account. When [redacted] contacts RushCard on October 16, 2016, to file a dispute, the agent stated to her that she would need sign form or write a statement of her claim in her words and send it back to RushCard. Nowhere on our record did the agent mentioned anything to [redacted] about provisional credit. In fact, [redacted] claim does not qualify for a provisional credit. [redacted] claim is being worked accordingly; RushCard has already initiated chargebacks, and the merchant has up to 45 days to respond. [redacted] from RushCard about her claim by January 16. We appreciate [redacted] feedback regarding this matter, she can reach out to us by calling the number on the back of her card if she has any questions about her claim. Tell us why here...

October 14,VIA ONLINE SUBMISSION:Revdex.com® 7W Seventh St Suite 1600CincinnatiOhio Re: Case # [redacted] Consumer: [redacted] To Whom ItMay Concern: This letter is in response to theattached complaint, Case No [redacted] , whichthe Revdex.com® (“Revdex.com”)received from [redacted] , on October 13, UniRush, LLC d/b/a RushCardtakes customer complaints seriously and strives to provide quality customerservice while dutifully protecting customer identities and resources RushCardcompletely understands the impact our mandatory updates have had on ourcardholders and we thank you for your patience during this transitionWe are not ableto respond in a timely manner to the high level of cardholder volume ande-mails that are being received We have been workingdiligently to get our system back up and running smoothlyCurrently ourwebsite is stable and will have accurate account information and full access.Your RushCard is available to make purchases and should be functioningproperlyAt RushCard, it is our responsibility to have ourcardholders’ funds available 24/7, when neededWe understand the seriousconsequences when we fail in meeting that expectationA $customerservice credit has been provided to [redacted] account for theinconvenience Again, we deeply apologize for the problems this outagecaused and pledge our best efforts toward preventing this from happening againRegards, Tyree T.Customer Service Specialist

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. The addition information I received from Unirush ? or Rush Card Rep. did not make me happy with their response. I guess cause I have a Muslin last name I've had for 40 years being Black. I was not about to upload to them a copy of my social security card and a copy of my 1040 to people I don't know and this requirement seemed suspicious to me as Identity THEFT. I would have uploaded my a current copy of my ID but that is all. Now my utilities will be cut off because they did not give my money and yes I asked them to send it back. I did not just get that Rush card from them. They could have sent me my money themselves. I have told everyone I meet and see that your company put in this situation. Now I may have to wait another 12 weeks to get this money from the IRS. I will never do business with you again. BBB thank you for your help and letting my voice be heard. Regards, [redacted]

The Revdex.com W Seventh St Suite Cincinnati Ohio Case number: [redacted] May 8, We received [redacted] complaint regarding the bill payment and the level of customer service received RushCard logs all customer contact and activity associated with financial cards We sincerely apologize for the inconvenience that [redacted] experienced with her blocked account and access in receiving her fundsI am showing on 4/21/that [redacted] account has been permanently closed and a bill payment of $has been issued for the remaining balance [redacted] called into RushCard call center the same day to inquire about the block and was advised that the funds were issued to the address on the accountThe address on the account was [redacted] old address and needed to be changed to her current address to receive the bill payment [redacted] information was updated and a request was sent to Corporate to stop the bill payment and reverse the funds back to the accountThe time frame for a bill payment to be stopped and credited back to the account can take up to 7-bdsThe bill payment was stopped on 5/6/and the funds were reversed back to [redacted] accountI have spoken with [redacted] personally and advised that we can issue her funds sooner by processing express cash and waiving the $ fee [redacted] agreed to receive express cash and we have provided the reference number [redacted] Once again we apologize for [redacted] frustration and the inconvenience this may have caused We appreciate [redacted] feedbackThese types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer and avoid similar problems for all of our customers Regards, [redacted] Customer Service Specialist

Revdex.com:As I have spoken with several customer service agents I have been getting conflicting information and I have also Attorney General ans they have told that Rush is not suppose to be asking me for my social security card and I will not be sendingSee my problem is this I put the dispute in and information was still being sent to the very people that took my money in the first place Rush customer are not taking accurate notesI am being told to many did different thingThis makes me very angry with Rush I have be a customer since December that is a total of yearsI have filed a complaint with the Revdex.com, Federal Trade Commission and Consumer Financial Protection Bureau, and June 6, I will be filing a police report As I said this whole situation has cause me nothing but problems, and financial issue the very things they say that they want to preventI feel that No one is taking my case serious as they have texted information about a re-deposit to the very people that hacked my account to begin with so God knows what else they have sent themI was suppose to get check and then they void the check and say nothing I had to call into customer service to find out that is happeningLike I say I will not be sending Social Security card, and as for my Id they can have that because my address is currant on my ID my government issued ID [redacted] 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]

Revdex.com W Seventh St Suite Cincinnati OH RE: Case [redacted] April 21, We received [redacted] complaint regarding the availability of funds and the level of customer service received RushCard logs all customer contact and activity associated with financial cards The direct deposit in question was received by RushCard with a pay date of 4/16/ Since the direct deposit was over our card load limit of $10,additional documentation was required from [redacted] of his driver’s license or state identification card, social security card, and letter from the remitter validating the deposit amount as well as the address on the accountI am showing that we received non-sufficient documents from [redacted] on 4/15/ and 4/16/ [redacted] was advised to send in proper documentation and once received they would be forwarded to the corporate office for reviewThe process of validating documents can take 24-business hours to be reviewed and because of the very large dollar amount additional validation needs to be completed prior to posting the fundsOn 4/17/one of our corporate office specialist contacted [redacted] and advised him of the documents that are needed in order to post the direct deposit to his accountWe provided the corporate fax number and advised [redacted] to send the needed documents directly to our officeDocuments were received and reviewed and the direct deposit was posted to [redacted] account on 4/17/I do assure [redacted] that all calls will be reviewed and the agents involved will receive the appropriate feedback and coaching if necessaryWe sincerely apologize for any inconvenience and frustration this has caused We appreciate [redacted] feedback These types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer and avoid similar problems for all of our customers Regards, [redacted] Customer Service Specialist

Revdex.com W Seventh Street, Suite Cincinnati, Ohio RE: Case [redacted] March 10, We received Ms [redacted] ’s complaint regarding access to her funds and the level of customer service received RushCard logs all customer contact and activity associated with financial cards During tax season here at Rushcard we experience an enormous amount of fraudulent and suspicious activityTax refund deposits are heavily scrutinized and in some cases we may ask for verification documentation to post deposits We show we received federal and state tax refund deposit for Ms [redacted] on 2/25/with an effective date of 2/26/for federal and 2/27/for her stateWe requested additional documentation to validate her account and the tax refundThe validation process must be completed prior to any funds being releasedThere’s typically a 2-business day turnaround once received in our corporate officeUpon receiving all necessary documentation on 3/4/to validate Ms [redacted] ’s account and tax refund our corporate staff was able to post and release Ms [redacted] ’s tax refund on 3/7/We sincerely apologize for the delay and any inconvenience it may have caused Ms [redacted] We appreciate Ms [redacted] ’s feedbackThese types of issues go directly against our mission of access and inclusion for everyone and we look to be clearer to avoid similar problems for all of our customers Regards, [redacted] CS – Audit/Compliance Analyst

August 20, VIA ONLINE SUBMISSION: RevDex.com® W Seventh St Suite Cincinnati Ohio Re: Case # [redacted] Consumer: [redacted] To Whom It May Concern: This letter is in response to the attached complaint, Case No [redacted] , which the Revdex.com® (“Revdex.com”) received from [redacted] , on June 25, UniRush, LLC d/b/a RushCard takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer identities and resources [redacted] ’ complaint states that her card is closed and she does not have access to the funds that were credited to her account by [redacted] Mobile Per response, on June 16, 2015, [redacted] ’ RushCard account was permanently closed in accordance to RushCard terms and conditions [redacted] was refunded by [redacted] Mobile for $on 6/25/On June 29, a $provisional credit was reversed from [redacted] account for a dispute that was filed as an ATM non-dispenseThe reversal of this credit caused the account to go into a negativeThe outcome of the error allegation, ATM non-dispense, dispute has been final and [redacted] ’ received a letter in the mail regarding the outcome of the dispute On July 1, a RushCard Customer Service Specialist contacted [redacted] and advised her of this informationOn July 6, another RushCard Customer Service Specialist attempted to contact [redacted] with no answer Voicemails were left at each phone number on the RushCard accountOn August 20, a RushCard Customer Service Specialist spoke to [redacted] and advised her of the rebuttal process to reopen the denied unauthorized transaction dispute [redacted] will need to fax the rebuttal letter and any additional documentation to the disputes department at ###-###-####We encourage [redacted] to work with the merchant to resolve any issues regarding products or services renderedRushCard has determined that the transaction was completed as requested We appreciate [redacted] ’ feedback Tyree T Corporate Customer Service

Revdex.com [redacted] ***Re: [redacted] May 22, We received Mr***’ complaint regarding access to his funds and his card recently being blocked RushCard logs all customer contact and activity associated with financial cards Rushcard’s standard operating procedures require that we monitor our customer accounts for compliance, suspicious activity, account take over, fraudulent activity and to protect the integrity of Rushcard as a business and our customers our compliance team will block accounts Mr***’ accounts were closed because Rushcard believes that the cardholder was using his cards in a way that did not comply with the “Cardholder Agreement” agreed to by the cardholder As a result Ruschard closed the account in accordance with the Cardholder Agreement, which allows the company to “cancel or suspend [a cardholder’s] Card or this Agreement at any time.” We have sent the Mr***’ a complete record of all of the transactions made on all of his Rushcard accounts so that the cardholder can validate the remaining balance for each account At the time the company closed the cardholder’s accounts, he had RushCards with balances as follows: $*, $*, $ [redacted] and ($***) We hope this clears up any confusion Mr [redacted] may have experienced through this ordealWe appreciate Mr ***’ feedback Regards, [redacted] CS – Audit/Compliance Analyst

October 14,VIA ONLINE SUBMISSION:Revdex.com® 7W Seventh St Suite 1600CincinnatiOhio Re: Case # [redacted] Consumer: [redacted] To Whom ItMay Concern: This letter is in response to theattached complaint, Case No [redacted] , whichthe Revdex.com® (“Revdex.com”)received from [redacted] , on October 12, UniRush, LLC d/b/a RushCardtakes customer complaints seriously and strives to provide quality customerservice while dutifully protecting customer identities and resources RushCardcompletely understands the impact our mandatory updates have had on ourcardholders and we thank you for your patience during this transitionWe are not ableto respond in a timely manner to the high level of cardholder volume ande-mails that are being received We have been workingdiligently to get our system back up and running smoothlyCurrently ourwebsite is stable and will have accurate account information and full access.Your RushCard is available to make purchases and should be functioningproperlyAt RushCard, it is our responsibility to have ourcardholders’ funds available 24/7, when neededWe understand the seriousconsequences when we fail in meeting that expectationA $customerservice credit has been provided to [redacted] *ccount for the inconvenience Again, we deeply apologize for the problems this outagecaused and pledge our best efforts toward preventing this from happening againRegards, Tyree T.Customer Service Specialist

Hi, my name is [redacted] I just want to say thank you for expeditiously handling my case and having rush card call me to come to a resolution after a whole month of tryingI dont know exactly what it is you guys do to make these negligent companies come to realization, but I definetly appreciate it, and thank you for what you have done Truly thankful, God bless [redacted]

On June 17th, [redacted] contacted UniRush to file a dispute for two unauthorized payments made to [redacted] ***, posted June 17th, [redacted] hung up the phone before the dispute agent was able to gather any additional informationUniRush blocked the compromised card and issued a replacement card and sent it to the address on file [redacted] called a few minutes later and spoke with a different agentAgent advised her to signed the dispute form, and either sends it by mail, fax or uploaded it to her online account On June 27th, 2016, UniRush used its resources via [redacted] to file a chargebackOn July 10th, 2016, UniRush concluded no error occurredMerchant provided documents showing merchandise was delivered at [redacted] address, [redacted] ***Also, [redacted] had made four payments to the merchant in the past We appreciate [redacted] feedback regarding this matter, and the opportunity this will provide for us to improve upon this letter Regards, RushCard Corporate Customer Service

December 22, VIA ONLINE SUBMISSION: Revdex.com W Seventh St Suite Cincinnati Ohio Re: Consumer: [redacted] Complaint number: [redacted] Complaint date: December 16, 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 he has unauthorized transaction of around $***on his accountThe complaint also states that he is not able to reach customer service and he is being taken advantage ofcount records indicate [redacted] ’ has filed dispute for the unauthorized transaction but it was not found in his favorRushCard did issue $loyalty credit to [redacted] account due to the conversion If [redacted] do not agree with the outcome of the dispute he may send a rebuttal letter to reopen the denied unauthorized transaction dispute [redacted] will need to fax the rebuttal letter and any additional documentation to the disputes department at 917-383-We encourage [redacted] to work with the merchant to resolve any issues regarding products or services renderedRushCard has determined that the transaction was completed as requestedWe 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

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] requested for complaint # [redacted] to be reopened on June 8, [redacted] states that she received a letter from UniRush LLC (RushCard) on June 7, In her complaint, [redacted] indicates that the letter does not clearly state why her rebuttal was denied, and she is unclear as to how the document she received with the letter pertains to her dispute rebuttal denial [redacted] dispute was denied due to no error occurringThis was determined based on the fact that [redacted] RushCard was never out of her possession and the PIN on the account was never resetThe document [redacted] received with the letter dated May 24, shows that a new card was issued on April 14, and the PIN was changed on the account on April 25, No new cards were issued and no PIN changes were made prior to the disputed transactions Due to the confusion indicated by [redacted] regarding the rebuttal denial letter, UniRush, LLC has taken it upon ourselves to restructure this letter in a more customer friendly manner We appreciate [redacted] feedback regarding this matter, and the opportunity this will provide for us to improve upon this letter