This is a summary of what happened to me as a result of using a
prepaid Visa card from a company call RushCard. On Friday, January 2, 2009
I went to withrdraw $400.00 from the card to get a money order to pay my
rent. The transaction failed. The receipt stated that the terminal timed
out. The clerk suggested that I wait awhile and try again. I tried again
and the transaction went through. I then tried to do a third transaction
when I was told I did not have enough money in my account. I went home
looked up my account online and found out that I had been charged for the
first transaction that I never received money for.
I called RushCard who advised me that the charge would drop off after 48
hours. I waited 48 business hours and called again on Tuesday, January 6,
2009. They then told me that the dispute could take up to 90 days. I put
up a huge fuss about waiting 90 days to get my money so they told me to fax
over a Dispute Resolution Form they emailed me .
I then faxed over the dispute resolution form on Wednesday, January, 7, 2009 with
the receipt and copy of my ID. They then told me another 48 hours after I
put pressure on them because I am not willing to wait 90 days for my money.
I called today, Friday, January 9, 2009, after another 48 hours and I have
to wait again. After I expressed much disapproval they told me that the
earliest they could have "an answer", not my money, but an answer for me
was February, 28, 2009. I continued to press the issue and then I was told
they would have "an answer" in about 3-5 business days.
I asked for the physical mailing address, they told me they could not give
it to me. I asked for the local phone number, they stated they could not
give it to me. I asked for corporate contact information and they stated
they cannot give it to me. The only thing she told me was that she was in
Chicago, Illinois, when on Tuesday I was given a P.O. Box in Cincinnati,
Ohio. I asked for the name of her supervisor, and she being a supervisor
would not give me the name or her superior. I stated, " do you mean to
tell me that you cannot give me the name of your supervisor?", she agreed.
I then threated to call ABC, CBS, NBC, and every three letter agency I
could think of and she finally gave me the name of "a" supervisor.
On Friday, January 16, 2009, aftr 5 business days I called back for them to
tell me that they have no credit for me and I may have to wait before or
after February 28, 2009.
I am so upset. I cannot get my money. They are treating me as if they have
a right to my money, this is a debit card, not a credit card. Their terminal
timed out and now I am suffering.
I was withdrawing the money from a check-cashing place from a live person not an ATM machine like they keep claiming. The money was going to be used to pay my rent. I now have over $100 in late fees and money that was supposed to go towards my other bills have gone towards my rent.
I don't think they plan to ever give me my $400.00 back. I have the receipt that says their terminal timed out.