Complaint Review: UniRush Financial - Baby Phat Visa Rush Card

I would like to start off by saying, this is the worst company I have ever encountered in my life. The customer service is horrible, somethings always wrong with their computer systems, you can never get through to check your account if it's a Friday and speaking to a rep. is out of the question, and if you don't withdraw your funds by 7am then you probably won't get them on that day.

I've had a RushCard for almost two years. I got it as a recommendation of a friend of mine. I used this card for approximately 6mos. when I first got it, and I experienced all of the issues listed above. Then I decided to stop using it, and started having my direct deposit re-directed to my checking account at my bank, but I left my card active just in case I ever decided to use it again.

Just recently in the last month, I decided to have my direct deposit set back up to go to my RushCard again. This was just going to be a temporary situation. Since I set this up I've had nothing but problems and I've only had it set up for two pay periods.

My first check was suppose to be posted to my account on Friday July 18, 2008. I checked my account before going to work at 5am on that day. Nothing was posted or pending on my account. Mind you of what I stated earlier, you have to do this as early as possible if you get paid on a Friday or you won't be able to get any money out of your account or get through on their lines. I did speak with a rep since it was early enough to still get through, and also I spoke with a supervisor named Aronson. I was informed that they are not required to have your money in your account until 11am est. and I should wait until after that point to call in regarding the matter. Even though at that time I will not be able to get through on their lines. After fussing at him for about 45mins he decides to post my money to my account. I should have taken this as a warning sign.

I never would have imagined what would happen when my second check was to post two weeks later. On Aug. 1, 2008, I did everything that was done on July 18 - I even spoke with the same Supervisor. But, this time I was informed my check would be posted in 1hr (this was at 6am). I checked my account at 7am, 8am, 9am - no check posted or pending on my account. My check finally posted around 10am.

At, 11am I went to the cash station on my lunch period at work - and was denied any withdrawals - stating insufficent funds even though I had close to $1000.00 in the bank. Of, course I called several times. Each time I called their 800# I got a busy signal. This occurred from 11am-2pm. Around 2:30pm I was finally able to get to the automated system at least & was told I had a balance of only $199.95. I tried to get through to a rep for over 2hrs. Every time I would try holding for one, their lines would allow you to hold for only so long and hang up on you. Once, I was able to speak with a rep around 4pm I was told the reason for my low balance was because of ATM withdrawal done on that day. Even though I did not receive the cash for any of the withdrawals I tried making and they were aware of their system problems and had resolved the issue. But, my money was still pending release and my now balance was only $17. Needless to say I asked for a supervisor. I spoke with Mary after waiting 1 1/2 hrs on hold, who stated she had placed all my money back on my account and I could withdraw funds now.

After speaking with Mary, I went to two different ATM's and was denied any withdrawals. Except, one for $200.00, all the rest stated insufficent funds. I tried calling back. It took another 1 1/2 hrs to get through to a rep.(who was very rude). She informed me that they were showing ATM withdrawals again, and again I explained what happened at the ATM's. But was told this time I would have to wait until Sunday to get any of my money back. When I asked to speak back to Mary I was denied my request and placed on hold to speak with another Supervisor. I sat on hold for almost 2hrs without anyone coming to the line. I eventually hung up, this was at 8pm.

I tried calling them again at 10pm, lines were still busy. When I was finally able to get through to automated system, I sat on hold for at least 1 1/2hrs to get through to another rude rep named Yen (who hung up on me when I asked to speak to a supervisor). I did call back. After holding for another 1+hr I got through to another rep, who did at least place me on hold for a supervisor named Joann(id#87704). Joann basically did nothing for me, but explained that the only reason charges were reversed before was because thier corporate office OK'd them to do that for clients being charged any amounts before 4pm, since problems were suppose to have been corrected at that point, and my charges were after 4pm. She stated they had to wait for Corporate to ok any other charges to be corrected and that they would not get any info from them until Sat morning after 9am, and I would get a callback from a supervisor by 10am on Saturday. (this call ended at 2:30am cst)

I never got a callback on Sat. I could not get through on their lines at all, lines kept disconnecting. I tried to call several times. Finally, on Sunday morning, after being able to hold for an hour to speak with a rep. I got through to rep Lisa (015707) who was able to reverse the ATM Withdrawals. But, you would never believe that they had the nerve to charge ATM balance inquiry fees of .50cents each. I had three of those + they charged an $1.95 additional fee to the atm fee that I paid for the $200 I did get out the ATM. I was told those charges could not be reversed because they were charged by the system, corporate would have to reverse them and I would be given a callback (yeah, right). Not that it's alot of money, but still in all how do you charge a fee when the fees were incurred because of your companies system.

Anyway, I will be changing my direct deposit as of Monday......... Take it from me run away from this company. Never do business with them. Russell and Kimora together or not are out to make money. Don't allow yours to make them richer.....

MAD AS HELL
chicago, Illinois
U.S.A.