In the case of errors or questions about your card, write to us at:
PayForward Member Services
P.O. Box 2155
Sioux Falls, SD 57101
or call us at 844-944-9273 or email@example.com
Contact us as soon as possible if you think an error has appeared on your card account. We must allow you to report an error until 60 days after the earlier of: (i) the date you electronically accessed your account, provided the error could be viewed in the electronic history; or (ii) the date we sent the FIRST written history on which the error appeared.
You may view transactions by visiting your account at PayFoward.com. When notifying us, you will need to tell us: (i) your name and card number; (ii) why you believe there is an error, and the dollar amount involved; and (iii) approximately when the error took place. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.
We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days to investigate. If we need more time, we credit your card within 10 business days for the amount you think is in error, so that you will have the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive it within 10 business days, we may not provisionally credit the card. We also may not credit the card if the error does not represent a qualifying dispute, as identified in the Disputes with Merchants section of the Cardholder Agreement. We will let you know the results of our investigation within 3 business days of completing it. If we decide that there was no error, we will send you a written explanation.
You agree that any unauthorized use does not include use by a person to whom you have given authority to use the card or PIN and that you will be liable for all such uses by such person. For example, if you have given your card or card information to another person to use, such as a friend or relative, you are responsible for that person’s transactions with your card, and if you have given your card information to a merchant for a transaction, you have given authority to that merchant to debit the card for that transaction.