Blackhawk Network, Inc.

Initial Business Response /* (1000, 5, 2015/03/27) */
VIA Revdex.com WEBSITE
March 27, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted] Forte
Dear Ms. [redacted],
On February 5, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] Forte with...

respect to accessing a Reloadit Pack placed in his Reloadit Safe on www.reloadit.com. This website is operated by Blackhawk's affiliate, Blackhawk Network California, Inc.
On March 6, 2015, [redacted] purchased a Reloadit Pack which he placed in his Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. [redacted] originally added the correct card number. It can take a few hours for a card to be validated once it is added to the safe. [redacted] did not realize this and attempted to add the card again; however, he input the number incorrectly prior to card validation. [redacted] states that he was unable to apply the Pack from the safe to his prepaid card. On March 6, 2015, [redacted] contacted customer service to request assistance with this issue as he kept getting the error message; "Invalid Card". This is likely due to the invalid card number that was added by [redacted] in an attempt to expedite the load process.
On March 13, 2015, after conferring with our technical team regarding this matter, we contacted [redacted] to troubleshoot this issue. We researched this further and contacted [redacted] to further troubleshoot on March 16, 2015. Since [redacted] continued to have difficulties, he requested to have a refund for the Reloadit Pack. We have processed the refund for the full amount of his Pack. A check was sent to his address on March 24, 2015.
Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com
Initial Consumer Rebuttal /* (2000, 7, 2015/04/06) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The company eventually decided to issue me a refund via check, but also cancel my card. This was a big hassle, and headache but was resolved. I was truly inconvenience due to this issue.

Initial Business Response /* (1000, 9, 2015/12/04) */
VIA Revdex.com WEBSITE
December 4, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On November 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted]...

[redacted] with respect to a Visa-branded Reward Card ("Reward Card"). Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards.
We sincerely apologize for any inconvenience and delay that Ms. [redacted] may have experienced. Our records indicate that the card was originally issued on September 14, 2015 and mailed on September 18, 2015. On October 26, 2015, a replacement card was mailed per Ms. [redacted]'s request. Upon receipt of this complaint, we replaced the card again. This time we expedited the shipping and mailed it via UPS. Ms. [redacted] should have received the card by now.
It is our intention that our Reward Card recipients have a positive experience with the cards that we provide.
Accordingly, we consider this matter closed. Please, reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
Reno, NV XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

VIA Revdex.com WEBSITEMarch 31, 2016Revdex.comComplaint Case: [redacted]RE: [redacted]Dear Ms. Buenrostro,On March 8, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with respect to the activation of a Visa Gift card. Blackhawk is the program manager...

for these cards on behalf of the issuer, [redacted]On January 3, 2016, [redacted] contacted us to request a replacement for a damaged card. At that time, the card was registered to [redacted] and a replacement card was issued. Upon receipt of the new card, several attempts were made to use it prior to activation. This caused a block to be placed on this card as a fraud prevention measure. Since the card was blocked, [redacted] was unable to activate it.On March 8, 2016, the card was unblocked. We reached out to [redacted] to inform her of this and provided instructions on activating the card. [redacted] confirmed that she was able to successfully activate the card. The card is now active and ready for use and may be used anywhere in the U.S. that Visa debit is accepted. We apologize for any delay or inconvenience that [redacted] and her son may have experienced.Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions.Best Regards,[redacted]Blackhawk NetworkCustomer Service Specialist[redacted](Response - [redacted] - [redacted]

Initial Business Response /* (1000, 10, 2015/12/24) */
VIA Revdex.com WEBSITE
December 24, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On December 2, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from [redacted]...

with respect to applying funds from his Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack.
On November 20, 2015, Mr. [redacted] purchased a Reloadit Pack and associated $500 to it. Mr. [redacted] states that he experienced difficulties accessing the website in order to apply a Reloadit Pack to a prepaid card. Nevertheless, on December 1, 2015, the funds were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. [redacted] may have experienced.
Since Mr. [redacted]' money was successfully transferred from his Reloadit Pack to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
Reno, NV XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 5, 2016/01/29) */
VIA Revdex.com WEBSITE

January 29, 2016
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On January 15, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from [redacted] with respect to...

rebates that he was supposed to receive as part of a consumer promotion. Blackhawk's affiliate, Blackhawk Engagement Solutions, manages the program that fulfills these consumer rebates.
We apologize for any inconvenience or delay that Mr. [redacted] may have experienced. A rebate check in the amount of $30 was issued to the customer on January 12, 2016. Mr. [redacted] should have received it by now.
Accordingly, we consider this matter resolved. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
Reno, NV XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 8, 2015/08/12) */
VIA Revdex.com WEBSITE
August 12, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On July 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with...

respect to his Visa Gift cards being blocked. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank.
On July 21, 2015, a block was placed on both of Mr. [redacted]'s Visa Gift cards in an effort to protect him from potential fraud. On July 22, 2015, the blocks were removed from his cards as no further risk was found. At that time, Mr. [redacted] regained access to the remaining balances on these cards. He has made transactions using the cards since they have been unblocked. We apologize for any inconvenience Mr. [redacted] may have experienced.
We consider this matter to be closed. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com
Initial Consumer Rebuttal /* (3000, 10, 2015/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The concern being fraud is understood, my complaing with the business is their representative telling me that my card was blocked, refusing to tell me why. Him being utterly rude even after I told him I would call the Revdex.com. he said "You can call whomever you want, I won't unblock this card until you send me pictures of the front, back and the receipt." I have not tried using my card again, my wife did after the card was unblocked I assume. I don't know what their procedures state or what their training program is. I don't need any further apologies for incovenience, I don't know how many people the deal with every day, they should consider revising their policies if they feel they can control someone's money based on their own opinion.

Final Consumer Response /* (2000, 6, 2015/08/26) */
I received a check in the mail for my $500 refund from Blackhawk Network, Inc. I am pleased with the outcome and just wanted to thank you very much for what you did. I consider this case closed. Thank You.

VIA Revdex.com WEBSITE
 
April 7, 2017
 
Revdex.com
Complaint Case: [redacted]
 
RE: [redacted]
 
Dear [redacted].,
 
On March 30, 2017, Blackhawk Network, Inc. (“Blackhawk”) received a complaint from [redacted] with respect to the closure of five of his Visa...

Gift Cards.  Blackhawk is the program manager for these cards on behalf the issuer, MetaBank.
 
On November 17, 2016, all five of **. [redacted]’s accounts were closed by request of the sponsor bank. Per the terms and conditions of **. [redacted]’s cards:
 
We may cancel or suspend your card account or this Agreement at any time without notice for any reason (for example, if we suspect fraud or unauthorized activity on your card account), subject to applicable law.
 
Our issuing banks regularly monitor account activities with the ultimate goal of providing a safe and secure alternative banking product to all of our customers.  While we cannot disclose the nature of the activity that prompted the closure of **. [redacted]’s accounts, we do hope that he appreciates our commitment to security.
 
We apologize for any delay or inconvenience that **. [redacted] may have experienced.  We have issued a refund for the amount of all five Visa Gift Cards.  The check was mailed on March 31, 2017.  It generally takes 7-10 business days for the check to be received via USPS.  It is sent in a “postcard” style format.  We have reached out to **. [redacted] and informed him of this.  We have also sent him a copy of a sample check so that he knows what to expect.
 
Accordingly, we consider this matter to be closed.  Please reach out to us with any further questions.
 
Best Regards,
 
[redacted]
Blackhawk Network
Customer Service Specialist
Reno, NV 89511
[redacted]

Initial Business Response /* (1000, 8, 2015/07/15) */
VIA Revdex.com WEBSITE
July 15, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On June 30, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with respect to...

applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack.
Ms. [redacted] states that she has experienced difficulties accessing her Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe.
On June 26, 2015, Ms. [redacted] purchased a Reloadit Pack and associated $150 to it. On July 2, 2015, the funds were successfully applied to her prepaid card. We apologize for any inconvenience or delay that Ms. [redacted] may have experienced.
Since Ms. [redacted] was able to transfer the money from the Reloadit Pack to her prepaid card, we consider this matter to be closed. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com
Initial Consumer Rebuttal /* (3000, 11, 2015/07/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I intend to follow through with my complaint in the form of a FBI criminal investigation. This company may blame the delay on "waiting" periods etc... However the experience I had was far from any normal disclaimer issues. Their website was down or having technical difficulties for a week straight. The 3 customer service departments I spoke with told contradicting stories. Blackhawk Corp. contacted me via email after my Revdex.com complaint. I responded with the requested info and never received a reply email until 7/16, 3 weeks after the initial email...during that time when I called BlackHawk their customer service line had a recording stating that there were no calls being taken due to an "emergency" situation.
Final Business Response /* (4000, 15, 2015/08/12) */
[redacted]Document Attached[redacted]
VIA Revdex.com WEBSITE
August 12, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On July 16 & 17, 2015, we received rebuttals from [redacted] with respect to our response to her original complaint.
We sincerely apologize for any inconvenience that Ms. [redacted] has experienced. We understand her frustration and continue to work to improve the security of our customers and their accounts.
We consider this matter to be closed. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 10, 2015/09/15) */
VIA Revdex.com WEBSITE
September 15, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On September 9, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from [redacted] with respect...

to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack.
On September 3, 2015, Ms. [redacted] purchased a Reloadit Pack and associated $145 with the Pack. She states that she attempted to transfer the money on her Pack to a prepaid card via the internet and was told that she would need to wait three hours before the money would show up in her prepaid card account. Later that day, Ms. [redacted] contacted customer service because the funds had not been applied to her card.
Unfortunately, Ms. [redacted] appears to have been the victim of a cloned site. She certainly did not go to www.reloadit.com; instead, she went to a site that looked like www.reloadit.com but was not (we have discoveredseveral such sites and continue to contact those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site never tells the customer to wait three hours (or any amount of time) before their funds [redacted] show up in their prepaid account. We know that a number of cloned sites use a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack.
When Ms. [redacted] entered her Pack number on the cloned site, she gave the fraudsters the information they needed to transfer the money on her Pack to a prepaid card they controlled. By the time Ms. [redacted] called customer service, the fraudsters had done just that.
Unfortunately, we cannot provide a refund to Ms. [redacted] because she gave the Pack number to a criminal. We suggest that she file a police report regarding this matter. If Ms. [redacted] does pursue this matter with law enforcement, then we [redacted] assist them in their efforts to apprehend the perpetrators.
We consider this matter closed. Please, reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

This is a terrible gift card. First rip off is the £2.95 card issue fee then the £3.00 annual fee then when I did try and use it, it won't let me register it on line so I have to phone to register costing me 10p per minute which took 3 minutes total so far £6.25
But I have 2 £25.00 cards so £12:50 waisted. Then I try and use them on line at debenhams and surprise surprise they are declining them. So I try them in store at morrisons and once again declined. So I try and email them but there's no email address, try to call them costing me 10p per minute again but no person just computers to register. I am not going to waist any more time or money on these crap rip off cards. They are obviously a waste of money and a scam.

Initial Business Response /* (1000, 8, 2015/02/18) */
VIA Revdex.com WEBSITE
February 13, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On February 3, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with...

respect to accessing funds applied to her safe on www.reloadit.com. This website is operated by Blackhawk's affiliate, Blackhawk Network California, Inc.
On February 1, 2015, Ms. [redacted] purchased a Reloadit Pack which she applied to a safe on www.reloadit.com . The safe allows our Reloadit customers to store multiple Packs for future loads. Ms. [redacted] states that "technical difficulties" prevented her from being able to apply the pack from the safe to her prepaid card. We attempted to contact Ms. [redacted] several times to assist with this issue. On February 8, 2015, she was able to successfully load her funds from the safe. On February 12, 2015, we were able to confirm with Ms. [redacted] that there were no further issues. She stated that she would follow up with the Revdex.com.
Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] NV XXXXX
[redacted]@bhnetwork.com

Initial Business Response /* (4000, 8, 2014/11/03) */
VIA Revdex.com WEBSITE
November 3, 2014
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On October 24th, 2014, Blackhawk Network, Inc. (Blackhawk) received a complaint from Mr. [redacted], with...

respect to a $50 Apple iTunes gift card he purchased for $35 through an eBay.com promotion. Blackhawk distributes iTunes gift cards for sale through eBay. Mr. [redacted] stated that he was unable to redeem the gift card and wanted a refund. Later, Mr. [redacted] made the same complaint regarding a second $50 gift iTunes gift card purchased for $35 through eBay.
BHN apologizes for the inconvenience Mr. [redacted] experienced with his gift cards. We note that both gift cards show up as "activated" with the full balance available. We are not certain why Mr. [redacted] could not redeem them.
eBay has already refunded the $35 purchase price for the first card to Mr. [redacted]'s PayPal account. Once we contacted eBay and requested they do the same for the second card, the other $35 credit was also issued to the customer. eBay [redacted] only refund the purchase price of each card.
To make up for the remaining $30 of lost value (the $15 per card that Mr. [redacted] got when he purchased the cards via the promotion), we have sent a $30 giftcardmall.com e-card to Mr. [redacted]'s e-mail address, which he [redacted] receive within 48 hours. He can use this card for any one of hundreds of cards available on Blackhawk's giftcardmall.com.
We consider this dispute to be resolved.
Best Regards,
[redacted]
Customer Service Specialist
[redacted] NV XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 8, 2015/10/02) */
VIA Revdex.com WEBSITE
October 2, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On September 10, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted]...

with respect to unauthorized charges on a Visa-branded Reward Card ("Reward Card"). Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards.
We sincerely apologize for any miscommunication on our part and any inconvenience that Mr. [redacted] may have experienced. On September 11, 2015, a credit was applied to your card for the entire disputed amount. Our records indicate that the Reward Card has now been fully used.
Accordingly, we consider this matter closed. Please, reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Complaint: [redacted]I am rejecting this response because: the response by the business was incomplete.  All they did was quote from their policy manual.  They did not address my questions and/or concerns.  They say specifically that "disputes may be filed within 60 days from the time that a transaction posts."  The policy is simply unacceptable.  It does not allow for theft or fraud of the gift card.  How am I supposed to file a dispute within 60 days of the posted transaction when I'm not even aware such a transaction took place?  Rather the policy I believe should read that the dispute should be filed within 60 days of DISCOVERY.  Otherwise why bother with an expiration date on the card?
Again I must insist that I am not at fault and ask that you reconsider my claim for refund in the amount of $100.
Sincerely,[redacted]

Initial Business Response /* (1000, 8, 2015/10/30) */
VIA Revdex.com WEBSITE
October 30, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On October 6, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with...

respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack.
On August 20, 2015, a Reloadit Pack was purchased and $50 was associated to it. Ms. [redacted] states that it was purchased for her due to an emergency, evacuation situation. Currently, all Reloadit Packs may only be applied to prepaid cards via the Reloadit Safe at www.reloadit.com. The safe is a requirement in order to safeguard our customers from fraud.
On August 21, 2015, the Pack was successfully applied to a third party prepaid card. Ms. [redacted] states that she no longer has access to that account. For security purposes, we do not have access to our customers' safes. Ms. [redacted] would have had to add this card to her safe. Since the funds were applied to a third party account, we do not have access to them and are unable to retrieve them. We suggest that Ms. [redacted] contact her prepaid card company for further assistance. We apologize for any inconvenience Ms. [redacted] may have experienced.
We consider this matter to be resolved at this time. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 8, 2015/10/12) */
VIA Revdex.com WEBSITE
October 12, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted],
On September 18, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from [redacted] with...

respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank.
On October 2, 2015, our Disputes team was able to resolve Mr. [redacted]'s case. On this date, the amount of the disputed charges was credited to the customer's Visa Gift card. We reached out to the customer and let him know that the funds were now available. Mr. [redacted] has since used his card for various retail transactions with no further issues.
We now consider this matter resolved. Please, reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

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. Sincerely, [redacted]

Initial Business Response /* (1000, 16, 2015/12/17) */
VIA Revdex.com WEBSITE
December 17, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On November 24, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from [redacted] with respect...

to a Visa Buxx Card. Blackhawk is the program manager for these cards under the brand name CardLab on behalf of the issuer, The Bancorp Bank.
Mr. [redacted] ordered a Visa Buxx Card for his teenage son. He claims that he has requested multiple replacements of this card after the original had been lost. We do not why Mr. [redacted] did not receive the replacement cards that were issued to him. We have refunded the remaining card balance of $414.14 back to Mr. [redacted]'s credit card that was used to order and load the Visa Buxx Card originally. This credit should be available to Mr. [redacted] at this time. We apologize for any inconvenience or delay that Mr. [redacted] experienced.
Accordingly, we consider this matter to be closed. Please, reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
Reno, NV XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com

Initial Business Response /* (1000, 5, 2015/12/29) */
VIA Revdex.com WEBSITE
December 29, 2015
Revdex.com
Complaint Case: XXXXXXXX
RE: [redacted]
Dear Ms. [redacted]
On December 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with respect...

to a refund for the remaining balance on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank.
On October 23, 2015, our sponsor bank closed Mr. [redacted] account. The account was closed due to a review of his account activity that revealed that he had been using this card, as well as, cards from other accounts for a practice known as "manufactured spending". This is the act of using a credit card to purchase a prepaid product and then using the prepaid product to pay the credit card account; therefore, earning points without actually spending any money. This is often referred to as "points boosting".
We have refunded the remaining balance on Mr. [redacted] account in the amount of $862.45. The refund was issued on December 24, 2015. It generally takes 7-10 business days for a customer to receive a refund check.
Accordingly, we consider this matter to be closed. Please reach out to us with any further questions.
Best Regards,
[redacted]
Blackhawk Network
Customer Service Specialist
[redacted] XXXXX
www.BlackhawkNetwork.com
[redacted]@bhnetwork.com