This company is stealing hundreds of thousands of dollars from consumers!!
I had my federal tax refund direct deposited like many of you as well, and of course my funds have been held since Feb 1st, 2010. TOTAL $4887. Im not going to go into what happened bcuz the same story is happening to all of us!
I'M GOING TO SHOW YOU HOW TO TAKE DOWN THIS COMPANY:
WE CANNOT START A CLASS ACTION LAWSUIT!!
READ TERMS AND CONDITIONS!!!! We've waived our rights per terms and conditions!
WE CANNOT SUE, WE'VE ALSO WAIVED THAT RIGHT!: ''As used in this Arbitration Provision, the term "Claim" means any claim,
dispute or controversy between you and us arising from or relating to the Card or
this Agreement as well as any related or prior agreement that you may have had with
us or the relationships resulting from this Agreement, including the validity, enforceability
or scope of this Arbitration Provision or the Agreements. "Claim" includes claims
of every kind and nature, including but not limited to initial claims, counterclaims,
cross-claims and third-party claims and claims based upon contract, tort, fraud
and other intentional torts, statutes, regulations, common law and equity. The term
"Claim" is to be given the broadest possible meaning that will be enforced and includes,
by way of example and without limitation, any claim, dispute or controversy that
arises from or relates to (i) your Card, or the Cards of any Additional Cardholders
designated by you; (ii) the amount of Available Funds on the Cards; (iii) advertisements,
promotions or oral or written statements related to the Cards, goods or services
purchased with the Cards; (iv) the benefits and services related to the Cards; and
(v) your enrollment for any Card. We shall not elect to use arbitration under the
Arbitration Provision for any Claim that you properly file and pursue in a small
claims court of your state or municipality so long as the Claim is individual and
pending only in the court.''
ALSO THIS IS WHAT THEIR TERMS SAY ABOUT BREAKING LAWS:
any provision of this Agreement shall be determined to be invalid or unenforceable
under any rule, law, or regulation of any governmental agency, local, state, or
federal, the validity or enforceability of any other provision of this Agreement
shall not be affected. This Agreement will be governed by the law of the State of
South Dakota except to the extent governed by federal law.
BUT WHAT WE CAN DO!!! THEY'VE BROKEN ONE MAJOR FEDERAL LAW THAT IS CALLED: Expedited Funds Availability Act
The Expedited Funds Availability Act requiresSO HERE'S WHAT HAS TO BE DONE BY ALL OF US:
all banks, savings and loan associations, savings banks, and credit unions to make funds
deposited into checking, share draft and NOW accounts available according to specified
time schedules and to disclose their funds availability policies to their customers. The
law does not require an institution to delay the customer's use of deposited funds but
instead limits how long any delay may last. The regulation also establishes rules designed
to speed the return of unpaid checks.
1. File a complaint with BBB. STAY ON TOP OF IT!
2. File a complaint with the FTC!
3. File a complaint with the Consumer Affairs office in CA.
4. File a complaint with your local Attorney Generals office.
5. File a lawsuit in small claims court. Most states limit is $5000.
6. Seek legal aid.
KEEP ALL DOCUMENTS WITH DATES AND TIMES YOU'VE SENT THEM! KEEP A SCREEN SHOT OF YOUR ACCOUNT BALANCE AND RECEIPTS! RECORD DATES AND TIMES OF EVERY CALL, AND WHO YOU SPOKE WITH!
When the government and state offices keep getting a complaint they will be stopped and our legal system will take them down! Companies like this never last, its just unfortunate that i didn't do my research until now!
WE WONT GET OUR MONEY BACK UNTIL ENOUGH OF US KEEP COMPLAINING! TRUST ME, THE FTC AIN'T NUTHIN TO PLAY WITH....