Unirush Financial Services

The Revdex.com
** [redacted]
 
RE:  [redacted]
 
June 13,
2014
 
We have
received Mr. [redacted]’s second rebuttal regarding the status of his dispute. We here at
Rushcard have submitted a dispute on Mr. [redacted]’s behalf to [redacted]. As
stated, [redacted] handles all disputes on Rushcard’s behalf. We show Mr. [redacted]’s
dispute was initially denied. Upon investigating the
dispute they have denied [redacted] sends out a denial letter – they would have
sent it to the address on the dispute claim. If Mr. [redacted] would not have
received the letter we advised him to contact [redacted] directly, based on the
response he was able to speak with [redacted] and get a time-frame as to when to
expect the denial letter.
 
If Mr. [redacted] feels this information provided from
[redacted] is inadequate he needs to contact [redacted] as [redacted] handles these
types of issues related to disputes. [redacted] contact number is [redacted].
 
Regards,
 
[redacted]
CS – Audit/Compliance Analyst

June 30, 2016
 
VIA ONLINE SUBMISSION:
Revdex.com®
1 E. 4th STE 600
Cincinnati Ohio...

45202               
Re:         Complaint ID: [redacted]
                Consumer: [redacted] [redacted]  
                               
To Whom It May Concern:
 
This letter is in response to the attached complaint, Complaint No. [redacted] which the Revdex.com® (“Revdex.com”) received from [redacted] [redacted] Perry on 6/23/2016.  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] [redacted] complaint contends that she cannot collet her funds from RushCard.  [redacted] also states that she does not have the documentation required to send in.  [redacted] wants the funds on her RushCard account.
 
On May 22, 2016, [redacted] contacted RushCard customer service to order a replacement card and failed verification.  As per the RushCard Cardholder Agreement, RushCard requested proof of identity from [redacted], and she was asked to submit a copy of her Social Security Card, Government Issued Identification, and proof of address dated within the last 30 days.  [redacted] began submitting the requested documents to verify her identity on June 8, 2016.  As of June 30, 2016 additional documentation is still needed to verify [redacted] identity.  A corporate customer service representative attempted to contact [redacted] to advise of this information on June 30, 2016. 
 
Our customer’s security is a top priority at RushCard and proper verification is a necessary step to that goal.
 
Regards,
Corporate Customer Service
 
[redacted]

April 18, 2016
New Roman', serif;">VIA ONLINE SUBMISSION: Revdex.com® 7 W Seventh St Suite 1600 Cincinnati Ohio 45202             Re:       Complaint ID: [redacted]             Consumer: [redacted]                         To Whom It May Concern: This letter is in response to the attached complaint, Complaint No. [redacted] which the Revdex.com® (“Revdex.com”) received from [redacted] on April 13, 2016.  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 she attempted to load a $170.00 cash load onto her RushCard account on April 6, 2016.  [redacted] also states that she has not received her funds and was advised to fax the receipt. [redacted] would like for the cash load to be refunded to her RushCard account. On April 7, 2016, [redacted] contacted RushCard customer service and advised that the $170.00 cash load did not post to her RushCard account.  RushCard records show that the cash load was not received, therefore [redacted] will need to contact the vendor to work directly with receiving the cash load. On April 18, 2016, a corporate customer service specialist contacted [redacted] and advised her of this information.     We appreciate [redacted] feedback and sincerely apologize for the inconvenience this has caused.    Regards, Tyree T. RushCard Corporate Customer Service

Revdex.com:
The Rush Card company seemed to have sat on my paperwork even though it was verified and accepted.But My delay became an issue due to the weekend then a holiday.They told me 1-3 days(IT was actually business days  not regular days) for a hold to be released after verification. Second day they had no information. The 3rd day no deposit so I called and they said that it would be release by the end of the day.So far so good.MY FUNDS ARE THERE NOW.Problem is until I called, I don't think they were in a hurry to release them.
 
So to let you know and everyone else know My taxes were deposited and put on hold 2/14/2014..and released today 2/20/2014.It took longer due to holiday and the weekend. Everyone with concerns stay on them  because things can be over looked.

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.   
UniRush, LLC d/b/a Rushcard has their facts all twisted. I have stated already to UniRush, LLC that I lost my picture I'D at the same time I lost my Rushcard. In my dispute letter it states that I lost my card on "June 8, 2016 or June 9, 2016." Furthermore it has been well over a week since I requested the documents that Unirush, PLC used to deny my claim which they are required to provide me "promptly" pursuant to the Cardholder Agreement and the Electronic Funds Transafer Act. Which they STILL have not provided me. Finally, I am filing an Arbitration claim against Unirush, PLC today and if they don't respond I will file a lawsuit against them in County Court. When In file legal action I am sure they will pay me my money back. See you soon Unirush, LLC
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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. 
Regards,
[redacted]

On June 06, 2016, [redacted] contacted UniRush to file a dispute claim. She said her card was used to process an unauthorized payment to [redacted]. [redacted] stated she never authorized anyone to use her card. At this point the dispute is under investigations. Once dispute is finalized [redacted] will be notified by mail if the case has been approved or denied. A final credit will be issued by August 4th, 2016 if the case is approved.
 
If [redacted] has any additional questions or concerns, she can reach us by calling the number on the back of her card. We appreciate [redacted] feedback regarding this matter, and the opportunity this will provide for us to improve upon this letter.

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. 
Thank you so much for your assistance, I appreciated it so much.
Regards,
[redacted]

Better Busines* Bureau:
I have reviewed the response made by the busines* in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
As of today 8/11/15, my complaint ha* been satisfied. The $30 fee ha* been reversed. I still however feel that Rush Card need* to have better business practices when it comes to the consumer. I will be closing my account once I withdraw my last funds from this account. Thank you for your assistance.
 
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]
 
I am writing in regards to the response email I received from you earlier today.  The following message was Rushcard's response: November 3, 2015VIA ONLINE SUBMISSION:Revdex.com 7 W Seventh St Suite 1600Cincinnati Ohio 45202Re:      Consumer:                  [redacted]            Complaint number:    [redacted]            Complaint date:          October 29, 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.  [redacted]’s complaint contends that she was unable to get in contact with RushCard customer service. [redacted] also would like to be refunded for a $245.80 transaction that was made on her RushCard account. RushCard experienced a significant service interruption on Monday, October 12, 2015 related to our processor conversion. 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. On October 10, 2015, a transaction for $245.80 from [redacted] was processed on [redacted] RushCard account. On October 12, 2015, the transaction settled on the account. [redacted] will need to contact the merchant to receive a refund. If [redacted] is unable to resolve the issue with the merchant, she can file a dispute regarding the transaction.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  I did as the email stated and I called [redacted] and spoke with the Manager, Stephanie.  She advised me that SHE personally refunded my Rushcard on 10/10/15 in the amount of $245.80 and she double-checked and the refund was ACCEPTED by Rushcard.  Rushcard NEVER added the money back into my account.  The problem is with Rushcard, NOT [redacted].   I have continued to call Rushcard, and email Rushcard EVERY DAY, MULTIPLE TIMES A DAY, since October 11, 2015.  I cannot reach a person....PERIOD.    I think I have been MORE than patient with Rushcard and am hoping that You, Revdex.com, can get through to them to get this corrected!  I appreciate all that you are doing and look forward to hearing from you soon! Thank You!! [redacted]Complaint# [redacted]  Submitted on 10/29/2015

May 10, 2016
none;"> VIA ONLINE SUBMISSION: Revdex.com 7 W Seventh St Suite 1600 Cincinnati Ohio 45202 Re:       Consumer:                   [redacted]             Complaint number:     [redacted]             Complaint date:          May 10, 2016                         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.  [redacted] complaint contends that she has not been emailed or received any contacted from Rushcard regarding her dispute rebuttal. [redacted] is also requesting that her $806 be refunded to her.   On May 06, 2016 [redacted] contacted Rushcard customer service and spoke to a representative regarding her denied dispute. [redacted] was advised that she could file a rebuttal dispute. On May 10, 2016, RushCard received [redacted] rebuttal letter for the dispute. The letter was forwarded to our dispute department for review. On May 10, 2016 a RushCard corporate customer service specialist contacted [redacted] to advise her of this information and the rebuttal timeframe of 45-90 days. We appreciate [redacted] feedback. Our goal is to provide financial convenience and security supported by reliable customer service.  RushCard, Corporate Customer Service

Revdex.com
7 W Seventh Street, Suite 1600
Cincinnati, Ohio 45202
RE:  Case [redacted]
March 11, 2014
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 activity. Tax 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 Ms. [redacted] on 2/27/2014
with an effective date of 2/27/2014. We requested additional documentation to
validate her account and the tax refunds. The validation process must be
completed prior to any funds being released. We acknowledge the delay in
posting the deposit, typically there’s a 2-3 business day. Upon receiving all
necessary documentation to validate Ms. [redacted]’s account and tax refund our
corporate staff was able to post and release Ms. [redacted]’s tax refund on 3/4/2014.
We sincerely apologize for the delay and any inconvenience it may have caused Ms.
[redacted].
We appreciate Ms. [redacted]’s feedback. These 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
this has been past the 45 days and im not going continue to except this answer especpcially when the merchant gave me confirmation and verification through fax that my money was refunded back to rush card dispute team on may 18th. ive spoken with a supervisor today at rushcard who stated that he dosent understand what the hold up is and asked me to fax over the paper that [redacted] sent me. I faxed it over to rushcard this morning with all the notes on there that was provided to me and the direct contact person ive spoken to. now someone needs to contact these people and find out where my money is. .I am not going keep excepting this 45 day answer anymore. its always someone thats highter than you and I will go over whoever head I need to. this is going on 2 months now and no one has any answers for me ever. just what is it that the dispute team is doing? cause clearly there not doingthere job very well. I will seek legal action if I have to.
Regards,
[redacted]

rushcard, (Doesn't deserve capitalization) is definitely the most horrible prepaid debit card company that I have ever in my life did business with. This horrible company win people over with the "get your paycheck 2 days faster" offer, but it is definitely NOT worth it. I've been at the mall shopping and 1,000's of miles away people are online ordering whatever they choose, paying for it with my card information, and these is(rushcard) take 90+ days to investigate and decide if they're going to give me my money back. But they really messed up near the end of last year when they held my paychecks that had been direct deposited my employer as usual. I lost my home, my car, everything except my child and my mind, I lost because of rushcard. I've hired a lawyer and I urge any one that has been through what I've been through to do the same, this company literally ruined my entire life and I'm just getting back on my feet.

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.
This company refuses to take responsibility for their deceptive practices and causing me numerous late fees on my bills. This company knew in December that the amount was going to be over $[redacted], but yet gave me misleading information on several occasions. I was told in December that the only thing I needed to send in to them was a document showing where it was coming from and the amount. I sent it in and even verified that had received it. I was told that the document was fine and they didn't need anything else from me. I was assured they were attaching the document to my account and when the funds came in that they would release them. Like I previously stated I've never heard about any additional documents until January 29,2015 when my funds were sent to them. Even then they kept giving me misleading information. One person says I need this document, the next person says the funds should be posted in 1 to 2 business days, then another person says oh in addition to the documents you've already sent in we this and that. I really feel like if you all knew in the beginning that I needed all of these different documents, why wasn't I informed? You all record your conversations go back and review what I was told from beginning to end. Each time I called which was plentiful, I was receiving nothing but a complete runaround. It still took several days for them to tell me all the documents I needed to send in. They would tell me one day send this in, the next day oh in addition to that we need this. Even after the first lie in December, if someone would've told me look here's a list of what we need from you(not pick one thing at a time) it wouldn't have taken almost two weeks for you all to release my money. Since you all didn't I feel as though you should be held responsible for all the late fees and charges I've received. Please don't point the finger at me as if I'm the reason this all occurred, your staff from the beginning gave me the wrong information. You hired them not me!!! Your response is just as bad as your customer service agents! Trying to flip this around on me are you serious?
Regards,[redacted]

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 complaint [redacted] states, he disputed a transaction with RushCard and did not receive provisional credit as promised on Terms and Conditions.
On November 2nd,2016, [redacted] filed a disputes for ATM mis-dispense. [redacted] said he attempted to withdraw $300 from his account, but the ATM failed to dispense cash requested and his account showed the withdraw. [redacted] was advised if disputes take more than twenty business days provisional will be issued to his account. The twentieth business day will be on December 1st, 2016.

April 26, 2016
VIA ONLINE SUBMISSION:
Revdex.com®
7 W Seventh St Suite 1600
Cincinnati Ohio 45202
Re:       Case # [redacted]
            Consumer: [redacted]
                       
To Whom It May Concern:
This letter is in response to the attached complaint, Case No. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted], on March 7, 2016. UniRush, LLC which provides the RushCard prepaid card takes customer complaints seriously and strives to provide quality customer service while dutifully protecting customer funds and information. 
[redacted] complaint contends that she filed an unauthorized transaction dispute for multiple transactions that was denied. [redacted] also stated that she sent in a rebuttal letter and requesting to receive his funds.
On March 23, 2016, [redacted] filed an unauthorized transaction dispute regarding multiple transactions made on her account.  On March 31, 2016, the RushCard dispute team received a signed unauthorized transaction dispute form from [redacted]. On April 5, 2016, [redacted] unauthorized transaction dispute was denied due to no error occurred.
[redacted] was advised of the rebuttal letter process to reopen the dispute. On March 7, 2016, [redacted] faxed her rebuttal letter to the disputes department. On April 14, 2016, [redacted] rebuttal letter was denied due to no additional info was provided to overturn the previous decision. We have attached the rebuttal denial as [redacted] states she did not receive the original one that was physically mailed. We encourage [redacted] to work with the merchants directly to resolve any issues regarding products or services rendered. RushCard has determined that the transaction was completed as requested.
We appreciate [redacted] feedback. Our goal is to provide financial convenience and security supported by reliable customer service. 
Regards,                       
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.  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.]
My issue is I never called to file a dispute. I called to find out some steps I could do just in case I wasn't able to contact I tunes. The rep to it upon himself to block the card when I made it very clear that didn't need to happen. 
In regards to me receiving my card. I was never told I had to sign for the card or I would've made it known my name isn't on the machine to buzz people in. My name is on the mailbox. Furthermore I was home all day also spoke to a rep that morning to told me my card wouldn't be getting to me now until 12/29/2014 due to the weather. I didn't find out till yesterday early morning to just make sure it'll be here to just find out it came Friday and I wasn't able to sign for it because I didn't even know it was coming or needed signature. Some of these reps have been rude along with supervisors. Now I've had to come out of money I already don't have to have my money sent to me. Listen to the customers a little more and this wouldn't have happened. I clearly stated my card didn't need to be blocked. Have better communication with you customers. I've read a lot of complaints to see my chance of getting this resolved in a timely manner... From what I can see this is happening way to often. You all should've come up with better solutions for your company by now. 
Regards,[redacted]

June 16, 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. [redacted], which the Revdex.com® (“Revdex.com”) received from [redacted] on June 1, 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 she experienced activation
issues when she received her RushCard.
 
On June 16, 2015, RushCard has reversed the $3.95 onetime
card fee back to [redacted] account and a bill payment check has been issued
to the address on file. [redacted] will receive the bill payment check within
7-10 business days and her account will remain closed.  
 
We appreciate [redacted] feedback.    
 
[redacted]
Corporate Customer Service

I have advised the consumer that [redacted] requested that this customer’s account be closed due to fraud and for documents to be fax to their department to validate the identity of the cardholder. I have provided simple instructions of the steps that the consumer will need to take in order to retrieve the funds.   Thank you, UniRush, LLC                            
Tyree T., Customer Service Specialist