Kroger Personal Finance, LLC

*** ***
*** *** **
*** ** ***
*** *** ***
In response to the complaint made to
the Revdex.com, please let me apologize that you were not allowed
to
use the MasterCard Gift Card on STEAM.
Unfortunately, the MasterCard Gift Cards are not allowed to be used on
that site and according to the terms and conditions, they do indicate "we
may decline authorization for any illegal transaction or Internet gambling
transaction." *(see attached)
I am glad, however, that you have
used the $MasterCard Gift Card on other transactions.
To apologize for any inconvenience,
I have enclosed a $Kroger Family of Stores Gift Card that you may use at Food
Less or any Kroger Family of StoresThe card is ready to useThe closest Food Less is located at *** ** *** *** *** *** ** about 10-miles from your zip, ***
Thank you Mr***; we appreciate
your business
Kind regards,
‘
*** ***
The Kroger
Co
***
***
*** ** *** *** *** ** *** *** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11296974, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

555
Race St.     Cincinnati, OH 45202
 
 
March 1, 2016
*
[redacted]
[redacted]  
[redacted]
[redacted]  [redacted]
 
Dear Ms. [redacted],
 
I
regret the issues you had with the Visa Prepaid Card....


 
Please
be assured that there is not an issue with the CV2 number on the back of the
card. In reviewing the call, I could not find where the agent said there was a problem with the security codes not matching the card numbers or
that we had received many calls regarding this. I was informed that the reason the
card was turned off was because it looked as it was being fraudulently used due
to an address verification failure and not due to the CV2 code not matching the
card number. 
 
However,
I am happy that a new card was mailed to you on February 21 and hopefully you
have received it by now. 
 
In
reviewing the call, the agent could have provided clearer communication and I
wanted you to know that they have been coached using appropriate feedback from
the call. To apologize for that, I have enclosed a $25 Kroger Gift Card that is
ready for you to use.
 
Thank
you for your business Ms. [redacted].
 
Kind regards,
‘
 
[redacted]
The Kroger
Co.
[redacted] 
[redacted]
 
Enclosure: 1-
$25 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 11954906, and find that this resolution is satisfactory to me. 
Regards,
Tina Kemp

[redacted]     [redacted]
 
 
November 14.
2016
 
[redacted]
[redacted]
[redacted]
 
[redacted]
 
Thank
you for speaking with me regarding the Prepaid MasterCard Debit Card and...

the
complaint with the Revdex.com.  
I am extremely sorry for the issues that you had with the card but I am
happy that we could resolve for you in a timely manner. 
 
I
regret the less than stellar customer service you received at the store and
when you phoned. To apologize for any
frustration you may have experienced, I have enclosed a $50 [redacted] Family of
Stores Gift Card.  The gift card is ready
to use at Food for Less, Ralphs or any [redacted] Family of Stores.
 
We
appreciate your business Mr. [redacted].
Kind regards,
 
 
 
[redacted]
[redacted]
[redacted] 
[redacted]
[redacted]
[redacted]

302
Third St    Suite 300    Cincinnati, OH 45202August 6,
2015[redacted]Dear Ms.
[redacted],Thank
you for speaking with me regarding the Better Business Complaint.  My sincere apologies regarding the issue with
the Visa Prepaid...

Debit Card.  I
have included with this letter a $50 Kroger gift card to apologize for any
frustration you may have experienced.  The
gift card is ready to use.Also,
I wanted to make you aware regarding the following change that is taking place:Effective August 31, 2015, ReCharge cards will no longer be available in your local Kroger store. You can instantly reload your card fast and easy in any Kroger check-lane.  Just take your card and cash to the register and ask the cashier to load your card. To get Money to another card holder, load your card in the check-lane and then perform a card to card transfer online at kpfprepaid.com or through the mobile app. Direct Deposit is also a great reload option.  You can choose to have whole pay check or a portion loaded directly to your card from your employer. Download the 1-2-3 REWARDS mobile app or call customer service to get your account and routing number for easy set up.  Please contact ###-###-#### for any questions regarding the Visa Prepaid Debit Card.Thank
you for choosing the Visa Prepaid Debit Card and for being a valued Kroger
customer.Kind regards,Nancy F[redacted]Customer
Response ManagerKroger
Personal FinanceNancy.f[redacted]@kroger.com###-###-####Enclosure: 1-$50
Kroger gift card[redacted]

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted] As they mentioned in their response, Kroger has contacted the credit reporting agencies to remove the inquiry from my bureau.    I am satisfied with their actions. Sincerely,[redacted]

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

555
Race St.     Cincinnati, OH 45202
 
 
June 9, 2016
 
 
[redacted]
[redacted]
[redacted] **  [redacted]
Dear Mr. [redacted],
 
In
regards to the complaint...

with the Revdex.com concerning the points
earned using the [redacted] Prepaid Debit Card, our [redacted] Loyalty Manager
reached out to you on May 30 but has not heard back to help with resolving this
or any other questions you may have.
 
As
noted in his letter to you, you should be receiving 1 Rewards Point per dollar
spent with your [redacted] outside of [redacted] stores and 2 Rewards Points
per dollar spent with your [redacted] inside of [redacted] stores.
 
You
have earned 400 Rewards Points on purchases made with the Rewards Prepaid [redacted]
which does not qualify for a reward.  500
points are needed. 
 
            If you have any questions I may
answer, please email or call me, Mr. [redacted]. 
Thank you!
 
Kind regards,
 
 
[redacted]
The Kroger
Co.
[redacted]  
[redacted]

[redacted]
Dear [redacted],
The Kroger Co. and [redacted] are committed to providing service excellence to our customers and regret any frustration you may have experienced regarding the individual in...

the Kroger store who submitted your information for a Kroger Rewards [redacted].
[redacted], the issuing bank for the Kroger Rewards [redacted] has requested that the credit inquiry be removed from the credit bureau system. The request may take up to 60 days for the credit bureau to process.
To apologize for any inconvenience, I have enclosed a $25 Kroger Gift Card. The gift card is ready to use.
Thank you for being a loyal Kroger customer. We appreciate your business!

Kind regards,
Nancy F[redacted]
The Kroger Co.
nancy.f[redacted]@kroger.com
[redacted]
Enclosure: 1- $25 Kroger Gift Card

555
Race St.     Cincinnati, OH 45202
April 22,
2016
[redacted] [redacted]
[redacted] [redacted]
Dear Mr.
[redacted],
            Regarding the complaint you...

made
with the Revdex.com concerning the purchasing of incorrect cards,
we appreciate you sending the proof of identity and address. On Monday, U.S.
Bank is mailing you by UPS overnight, two checks in the amount of $997 each,
tracking #[redacted].  
To
apologize for any inconvenience, please find enclosed a $25 Kroger Family of
Stores Gift Card that you may use at [redacted] or any Kroger Family of Stores and
an additional $10 gift card to cover the cost of the card fees when you
purchased them. The gift cards are ready to use. 
            Thank you Mr. [redacted], we appreciate
your business!
Kind regards,
[redacted]
The Kroger
Co.
[redacted] 
[redacted]
Enclosure:  1-$25 & 1-$10 Kroger Family of Stores
Gift Cards

555
Race St.     Cincinnati, OH 45202
 
 
 
August 11,
2016
 
[redacted]
[redacted]
[redacted]
[redacted]
 
Dear Ms.
[redacted]
 
Thank
you for speaking with me in regards to the complaint made with...

the RevDex.com concerning the wire transfer being rerouted from its original
destination.
 
I
will contact you when the store tells me when you can pick up the owed $212
however; per our conversation, I wanted to send you the gift cards to apologize
for this unfortunate incident.  If indeed
you would like to purchase Identity Theft coverage, I have enclosed a $200 Visa
that you may use for that or anything that you wish.  I have also enclosed a $50 Kroger Gift
Card.  Both cards are ready to use and
both cards do not have to be used all at once.
 
            We appreciate your business, Ms.
[redacted]!
 
Kind regards,
 
 
 
[redacted]  [redacted] [redacted]
[redacted]

[redacted]     [redacted]
*
 
December 8,
2016
 
[redacted]
[redacted]
 
I
am sorry we have not been able to talk regarding the...

complaint with the RevDex.com but I have been unable to reach you by phone.
 
Per
your complaint, you were not able to make online transactions with the
MasterCard Gift Card.  In order to make
an online transaction, Gift Cards must be registered with a name and address.  This is a requirement of most vendors.  Also, the card cannot be used at an ATM. The
card can be used at any brick and mortar establishment where MasterCard is
accepted. 
 
I
am hoping that you have used the MasterCard Gift Card with no issues but if you
did have any problems, please let me know.
 
In
your dispute, you have asked for a return of the $3 purchase price.  I am happy to enclose a $25 Kroger Gift Card
- $3 refund and $22 to apologize for any inconvenience you may have
experienced. The gift card is ready to
use.
 
We
appreciate your business Ms. [redacted] and thank you for being a loyal Kroger
customer.
 
Kind regards,
 
 
[redacted]
The Kroger
Co.
[redacted] 
[redacted]

555 Race St. Cincinnati, OH 45202
March 31, 2016
[redacted]
[redacted]
Dear [redacted],
I am sorry we did not have an opportunity to discuss the complaint you made with the Revdex.com regarding the hold on your Prepaid Debit...

card.

We have released the hold and per my email to you, the $57.50 is ready to use.

To apologize for any inconvenience I would have liked to have sent you a $25 Kroger Family of Stores Gift Card but I could not find an address for you.
Thank you [redacted], we appreciate your business!
Kind regards,
Nancy F.The Kroger Co.
[redacted]
###-###-####

We appreciate the opportunity to address the customer’s concern with the assistance of the Revdex.com. Please forward this Revdex.com complaint to Nancy F[redacted] with Kroger Personal Finance (KPF) Department. The customer's money is held in case the hotel finds damages since we would have no way to collect because...

this is not a credit card.
Regards,
Kroger Co.
Ref # [redacted]

[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 [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
This is not true I did ask the representative if I could pay bills. Now they are lying on me. With that Said I will take this a step further. I would like this complaint to stay publicly on file. Until I can hear the recording It is not over I know what I asked. Also I never spoke with anyone name Nancy that responded to this complaint.  This is the worst Pre-paid card ever.. Warning do not I repeat do not get this [redacted] card it is worthless!
Regards,
[redacted]

[redacted]    [redacted]
 
 
 
January 25,
2017
 
 
[redacted]
*
[redacted]
            Thank
you for taking the...

time to contact us regarding the 1-2-3 Rewards Visa rewards.  I am sorry that you have been dealing with
this issue for so long.  I have had the monthly
maintenance fees removed, as well as the expedite fee.  In total, $26 in fees has been refunded to
your account.
 
In
addition to the refunded fees, I am happy to enclose a $20 Kroger Family of
Stores gift card to further apologize for the situation.  The gift card is ready to use. If you have
any questions, either now or in the future, please do not hesitate in
contacting me.
 
            Thank you for choosing the 1-2-3 Rewards
Visa and for being a valued Kroger customer. 
We appreciate your business!
           
Kind regards,
 
 
 
Greg Thompson
Kroger
Personal Finance
[email protected]
513-246-3057
 
Enclosure:  
1-$20:
204326

555
Race St.     Cincinnati, OH 45202
May 24, 2016
[redacted]
[redacted]
[redacted]
*
[redacted]...

*
            Thank you for speaking with me regarding
the complaint you made with the Revdex.com. 
            I am sorry you did not get the help
you needed with the $15 ITunes Gift Card and as agreed in our conversation, I
am enclosing a $15 Kroger Gift Card to replace it.  To apologize for the frustration you may have
experienced, I am also enclosing a $25 Kroger Gift Card. The gift cards are
ready to use.
            Thank you for being a loyal Kroger
customer, Ms. [redacted]
Kind regards,
Nancy Fields
The Kroger
Co.
[redacted] 
[redacted]
[redacted]