Kroger Personal Finance, LLC

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me as long as they fix the inaccuracies on their website as to not mislead their customers any further
Regards,
*** ***

January 6,
*** *** ** ** *** *** ** ***
Dear *** ***,
Please let me apologize regarding the complaint with the Revdex.com concerning your card being cancelled
I understand your distress and disappointment over the handling of your *** Prepaid Debit
CardI agree the customer service you received was less than stellar and I regret the confusion surrounding the shutting down of your cardThe supervisor and I have discussed coaching opportunities for the agents who handled your calls
To apologize for the inconvenience of not having your card available for you to use, I have enclosed a $Kroger Gift CardThe Gift Card is read to use
Thank you *** ***, we appreciate your business!
Kind regards,
Nancy F*
The Kroger Co
Nancy.F*roger.com
***
Enclosure: 1-$Kroger Gift Card

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

*** *** *** *** ** ***
December 6,
*** ***
*** *** ***
*** *** ** ***
*** *** ***
*** *** ***
In reference to the complaint made
with the Revdex.com, I apologize regarding the issues you had with
the Visa Prepaid Debit Card
The Visa Prepaid Debit Card
Department informed me that they contacted you and advised you that funds
transfers cannot be done between a temporary card and a personalized card. The Ops Specialist attempted to convert the temporary
card to a personalized card; however, the system stated that the limit of the
number of personalized cards had been reached (you are only allowed two)This appears to be an error on the system as
it is recognizing a deactivated perm card as the second cardThey advised that
for the time being, you could continue using your current card
If
you need their assistance to help walk through logging into the website, please
give them a call back as I am told they gave you a direct line to speak with a
Specialist
To
apologize for any inconvenience, I have enclosed a $Kroger Family of Stores
Gift Card that you may use at ***, *** *** *** or any Kroger Family of
Stores
We
appreciate your business Ms***
Kind regards,
*** ***
The Kroger
Co
***
***
*** ** *** *** *** ***

Race St. Cincinnati, OH
June 8,
*** * ***
*** ** *** *** **
*** ** ***
Dear *** ***
Thank
you for speaking with me in regards to the complaint made
with the RevDex.com concerning the reimbursement of the $of *** Prepaid
Debit Cards
I
was pleased to let you know that U.SBank has approved and began the process
of issuing a check to you for the $890.
The check will be sent as certified mail and should be there in to
business days
I
apologize that you have been waiting since February for a response and have
enclosed $*** Family of Stores Gift Card that you may use at *** or
any of the *** Family of Stores. The
gift card is ready to use
We appreciate your business, Mr
***!
Kind regards,
*** ***
The ***
Co
***
***
Enclosure: 1-
$*** Family of Stores Gift Card
***

January 12,
*** *** *** *** *** *** *** ** ***
Dear *** ***,
Please let me apologize regarding the complaint with the Revdex.com concerning the ATM charges you received when using your
*** Prepaid Debit Card
We are not sure why you received
the charges and are thinking maybe the ATM provider changed; however, I was glad to see that most of the funds were credited to your card
To apologize for the frustration you may have experienced and to cover the remaining ATM fee/ you did not get credited to your card, I am enclosing a $Kroger Gift CardThe Gift Card is ready to use
Thank you *** ***, we appreciate your business!
Kind regards,
Nancy F*
The Kroger Co
Nancy.F*roger.com
***
Enclosure: 1-$Kroger Gift Card

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Race St. Cincinnati, OH
April 22,
*** * ***
*** ***
*** *** ** ***
Dear *** ***
I am
glad we had an opportunity to
discuss the complaint you made with the Revdex.com regarding your
Prepaid Debit card being locked.
As we discussed, your card was restricted due to a negative balanceAapparently, unbeknownst to you, the statement request had been turned on which put the account in a negative state. The statement fees have been refunded (and turned off) and the account reopenedThe available balance is $
To apologize for the frustration you
may have experienced, I am enclosing a $Kroger Gift CardThe Gift Card is
ready to use
Thank you ***, we appreciate
your business!
Kind regards,
Nancy F
The Kroger
Co
***
###-###-####
Enclosure: 1-$
Kroger Gift Card

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Race St. Cincinnati, OH
August 30,
*** ***
*** *** *** **
*** *** * ** ***
Dear Mr
Byrd,
Thank
you for speaking with me regarding the
Prepaid Visa Debit Card and the
complaint with the Revdex.com.
I am extremely sorry for the issues that you’ve had with the card.
I
apologize that the card was accidently shut down but I especially regret the
less than stellar customer service you received. To apologize for any frustration you may have
experienced, I have enclosed $in Kroger Gift Cards. The gift cards are just like cash and cannot
be replaced. Also, they do not have to
be used all at once; just keep scanning until all used up
We
appreciate your business *** *** and again, please accept my apologies for any
frustration you may have experienced
Kind regards,
Nancy F
The Kroger
Co
***
###-###-####
Enclosure: 2-
$& 1-$Kroger Gift Cards
*** *** ***

Third St Suite Cincinnati, OH
June 22,
*** *** *** *** *** *** ** ***
Dear *** ***,
Thank you for speaking with me regarding the Better Business ComplaintMy sincere apologies regarding the issue with the *** Prepaid Debit
Card
I have included with this letter a $Kroger gift card to apologize for any frustration you may have experiencedThe gift card is ready to use
Thank you for choosing the *** Prepaid Debit Card and for being a valued Kroger customer
Kind regards,
Nancy F*
Customer Response Manager
Kroger Personal Finance
*** ***
Enclosure: 1-$Kroger gift card

January 12,
*** ***
*** ** *** ** *** *** ** ***
Dear *** ***,
Please let me apologize regarding the complaint with the Revdex.com concerning the hold on your *** Prepaid Debit Card
I understand your disappointment over the handling of the hold and although holds can take up to days to clear, the concern should have been elevated to a Supervisor for a quicker releaseI have discussed coaching opportunities for the agents who handled your calls
To apologize for the inconvenience of not having your card available for you to use, I have enclosed a $Kroger Family of Stores Gift CardThe Gift Card is read to use at Fred Meyer or any Kroger Family of Stores
Thank you *** ***, we appreciate your business!
Kind regards,
Nancy F*
The Kroger Co
Nancy.F*roger.com
***
Enclosure: 1-$Kroger Family of Stores Gift Card

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Race St. Cincinnati, OH
August 26,
*** ***
*** ** *** ***
*** *
*** ** ***
Dear *** ***,
I
am sorry we did not have the opportunity to speak in regards
to the complaint
made with the Revdex.com concerning the fees with the ***a Prepaid
Debit Card
In
your complaint, you state that you are getting charged additional fees and that
you were told you could pay your bills through your bank
In
reviewing the calls you made to the Agents at the Prepaid Call Center, we found
the following:
Initial
call on 8/16/- It was noted that the customer asked if she could make direct
deposits to her card and agent advised she couldShe gave account
and routing numbers to cardholder. Agent
never advised she could make payments with her routing and account numbers
Call,
8/17/- Customer called to get routing and account number againShe
also called to get the maximum she can load to her cardShe also needed
login assistance for the websiteNo mention of making payments by routing
or account
Call,
8/24/- Cardholder called because she tried to pay bills with her card
but was being declinedShe was advised she could not payments with her
account and routing numberAdvised could only make payments with the card
number
Call,
8/24/- Upon onset of call, cardholder wanted to place a complaint
and speak with supervisor because she said she was told she could
make payments with her account and route number. The call was
escalated to a Manager to file a complaint
Because
we have been furnished’ with the contents of the calls made to the Prepaid Call
Center, it does not appear that at any time, on any of the calls did an agent
advise that bills could be paid using the account and routing numberAlso,
cardholders are provided with the terms and conditions stated below, therefore,
we do not believe we owe the disputed amount of $
No ACH
Payment/TransferDo not attempt to make an
automated clearing house (ACH) payment/transfer out of your Personalized Card using the underlying
account number of your Personalized Card (this number is printed in your
Personalized Card materials, but is separate
from the Personalized Card number which you use to make ordinary Personalized Card purchases)If you do so, we
may close your Personalized CardThe underlying account number of your Personalized Card is to be used only to
enable ACH direct deposits into your Card (payroll direct deposits, etc.)
You can use
your card to pay bills provided you use the digit card number on the front
of the card not your ACH number
Kind regards,
Nancy F
The Kroger
Co
***
###-###-####

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint
These gift cards do not even begin to resolve this complaintI had financial and physical hardships due to their error (including utilities being shut off) that have not been address, despite multiple voicemails being left for MsFand MrHIt appears that this issue will not be taken seriously unless an attorney is involvedThey have admitted doing this to other customers and this has to stop
Regards,
*** ***

Please forward this case to Nancy FieldsThank you

[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 If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

*** *** *** *** ** *** *** ** *** *** * *** *** * *** ** *** ** ***
Dear *** ***,
I am writing in hopes of clearing up the concerns you addressed with the Revdex.com in regards to the *** Prepaid Debit Card and points owed you
Below is a
chart with the points you earned, the amount and the date the points were issued to youThe last column shows the date the dollar amount was used and should have been on your receipt
Loyalty Number Points Amount Date Issued Date Redeemed
*** $02/17/$off 3/
*** $04/16/$off 4/
*** $06/16/$off 6/
*** $08/17/$off 8/
*** $09/17/$off 9/
*** $01/18/$off 1/
I regret that you did not receive a call back as this is not the expectation we have for our customersPlease find enclosed a $Kroger Family of Stores gift card that you may redeem at *** or any Kroger Family of Stores to apologize
Thank you *** *** for choosing the *** Prepaid Debit Card and for being a very loyal *** customerWe appreciate your business
Nancy F*
The Kroger Co
Nancy.F*roger.com
***
Enclosure: 1-$Kroger Family of Stores Gift Cards