Blackhawk Network

VIA Revdex.com WEBSITEMarch 23, 2016Revdex.comComplaint Case: [redacted] RE: [redacted] Dear [redacted] On February 26, 2016, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to three iTunes eGift cards that she ordered through [redacted] Blackhawk fulfills these orders for [redacted] .On November 30, 2015, [redacted] placed an order online through [redacted] for three iTunes eGift cardsThe order was returned as undeliverable mailSince we are unable to reprint the iTunes cards for [redacted] , we have refunded [redacted] for the orderWe have also contacted them regarding this refund so that they could initiate the refund to [redacted] If [redacted] has not already received the refund, then she would need to reach out to [redacted] as they are the payment processor for her orderWe apologize for any delay or inconvenience that [redacted] may have experienced.Since the refund has been processed on our end, we consider this matter to be closedPlease, reach out with any further questions.Best Regards, [redacted] Blackhawk NetworkCustomer Service Specialist [redacted] (Response - [redacted] - [redacted]

VIA Revdex.com WEBSITE September 14, Revdex.com Complaint Case: [redacted] RE: [redacted] Dear [redacted] On September 3, 2017, Blackhawk Network Inc(“Blackhawk”) received a complaint from [redacted] with respect to a $“Style Everywhere” Visa Gift card Blackhawk is the program manager for this card on behalf of the issuer, MetaBank On August 27, 2017, Ms [redacted] purchased a “Style Everywhere” Visa Gift card at her local Lowe’s store for $ As stated on the card packaging, this card may be used at “any fashion retailers where Visa debit is accepted” This means that the card may be used at department stores, upscale boutiques, accessory shops, shoe stores, and men’s clothing and accessory stores Ms [redacted] has stated that the verbiage should be changed as this was misleading to her as she believed that the card could be used anywhere; regardless of the type of business We appreciate Ms [redacted] ’s feedback and apologize for any inconvenience and/or misunderstanding that she may have experienced As of September 4, 2017, Ms [redacted] had depleted the entire balance of this card She was successfully able to use it at various retailers Accordingly, we now 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 [redacted]

Initial Business Response / [redacted] (1000, 8, 2015/10/12) */ VIA Revdex.com WEBSITE October 12, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] , On September 24, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] Litzey with respect to unauthorized ATM transactions made with her PayPower Visa Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank Unfortunately, Ms [redacted] appears to have been the victim of identity theftOn September 14, 2015, someone impersonating Ms [redacted] (a fraudster) called our customer service and requested to have her address updatedThe fraudster had already stolen Ms [redacted] 's identity, so she was able to provide all the information required to authenticate her over the phoneSince the customer service agent was able to properly authenticate the caller, the agent made the requested change to Ms [redacted] 's accountThe fraudster then asked for a replacement card and requested the account balance On September 23, 2015, a direct deposit posted to Ms [redacted] 's accountSince the fraudster had requested the replacement card, the customer was able to check the balance and withdraw funds from this account via an ATMLater that day, Ms [redacted] contacted us to dispute theunauthorized ATM transactions that had posted to her account On September 23, 2015, we applied a provisional credit to Ms [redacted] 's account in the amount of $We expect to resolve this case no later than November 7, We [redacted] notify Ms [redacted] as to the resultsIf the dispute is resolved in her favor, then the credit [redacted] remain permanentAs a courtesy, we have reversed fees in the amount of $on Ms [redacted] 's account We consider this matter closedPlease, 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 / [redacted] (2000, 10, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) My only concern is [redacted] this happen again?

Initial Business Response / [redacted] (1000, 11, 2015/12/15) */ VIA Revdex.com WEBSITE December 15, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] , On November 20, 2015, Blackhawk Network Inc("Blackhawk") received a complaint from [redacted] [redacted] with respect to a Reloadit PackBlackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack On September 29, 2015, Mr [redacted] purchased a Reloadit Pack and associated $to itUnfortunately, Mr [redacted] was unable to apply the Pack to a prepaid card, since it had been associated with another user's safeAlthough Mr [redacted] insists that he did not provide the PIN to anyone, it appears that he may have been the victim of a scam Later that day, Mr [redacted] contacted customer service since he was unable to apply his PackHe was informed that the Pack had been associated with a safeMr [redacted] confirmed that the safe was not hisMr [redacted] requested a refundWe immediately blocked the Pack from use and requested that he send in documentation to verify him as the purchaserIt generally takes business days from the time a refund request is approved for the customer to receive a checkThe approval process takes longer in scam cases due to the fact that documentation needs to be received and reviewed by our Risk department We apologize for any inconvenience or delay that Mr [redacted] has experiencedWe have processed a refund for the full amount of his Reloadit PackThe check was issued on December 10, Mr [redacted] should receive the check in 7-business days We consider this matter closedPlease, 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 / [redacted] (1000, 8, 2015/09/02) */ VIA Revdex.com WEBSITE August 29, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On August 7, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to disputed charges on his Visa Gift cardsBlackhawk is the program manager for these cards on behalf of the issuer, MetaBank On July 25, 2015, Mr [redacted] contacted customer service to dispute a $transaction on each of his five Visa Gift cardsOn August 21, 2015, chargebacks were processed with the merchant for all of the transactionsWe are awaiting resolution of these chargebacksWe sent a letter to Mr [redacted] explaining that it may take up to days to resolve this disputeWe expect that the chargeback [redacted] be resolved by the first week of October We [redacted] be in contact with Mr [redacted] regarding this matter once the chargebacks have been resolvedIf they are resolved in his favor, we [redacted] credit the $back to each of his gift cards Accordingly, we consider this matter to be resolvedPlease reach out to us with any further questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted] XXXXX www.BlackhawkNetwork.com [redacted] @bhnetwork.com

VIA Revdex.com WEBSITE November 4, Revdex.com Complaint Case: [redacted] RE: [redacted] Dear [redacted] , On October 18, 2016, Blackhawk Network, Inc(“Blackhawk”) received a complaint from [redacted] with respect to the expiration of three LG Visa Prepaid Cards Blackhawk’s affiliate, Blackhawk Engagement Solutions, manages this program and issues these reward cards We sincerely apologize for any inconvenience that [redacted] may have experienced The cards that were issued as part of the LG Prepaid Card program were issued with a six month timeframe All three of the cards that [redacted] received have expired and were never used while the funds were available and the cards were activePer the terms and conditions of the LG Prepaid Card program, prepaid cards cannot be reissued after expiration date has expired nor can a check be received Since the funds are no longer available once the cards expire, we are unable to reissue the cards or provide a refund Accordingly, we consider this matter closed Please, reach out to us with any further questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted]

Initial Business Response / [redacted] (1000, 8, 2015/09/14) */ VIA Revdex.com WEBSITE September 14, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On August 21, 2015, Blackhawk Network Inc("Blackhawk") received a complaint from [redacted] with respect to applying funds from his Reloadit Pack to his prepaid card via the Reloadit Safe on www.reloadit.comBlackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack On August 19, 2015, Mr [redacted] purchased a Reloadit Pack and associated $to itMr [redacted] states that he experienced difficulties accessing the website in order to apply a Reloadit Pack to a prepaid cardNevertheless, on August 20, 2015, the funds were successfully applied to his prepaid cardWe apologize for any inconvenience or delay that Mr [redacted] may have experienced We consider this matter to be closedPlease 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 / [redacted] (1000, 8, 2015/10/23) */ VIA Revdex.com WEBSITE October 23, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] On September 28, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to an unauthorized transaction on her PayPower Visa Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank Ms [redacted] disputed a transaction for merchandise that she never receivedOn October 19, 2015, we applied a provisional credit to Ms [redacted] 's account for $which is the amount of the disputed transactionWe expect to resolve the case by October 31, 2015, and [redacted] notify Ms [redacted] as to the resultsIf the dispute is resolved in her favor, then the credit [redacted] remain permanent We consider this matter to be resolved at this timePlease reach out to us with any further questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted] XXXXX www.BlackhawkNetwork.com [redacted] @bhnetwork.com

I had a prepaid Visa sent to me as a Reward from VerizonIt got lost on my deskWhen I found it, the card had expired, but still has a balanceI called to get a new card and was told the $(REALLY !) fee to replace the card exceeded my current balance so I was [redacted] out of luckThat is a bunch of **

Final Consumer Response / [redacted] (2000, 6, 2015/08/26) */ I received a check in the mail for my $refund from Blackhawk Network, IncI am pleased with the outcome and just wanted to thank you very much for what you didI consider this case closedThank You

Initial Business Response / [redacted] (1000, 8, 2015/02/17) */ VIA Revdex.com WEBSITE February 17, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On January 27, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a Visa Gift cardBlackhawk is the program manager for these cards on behalf of the issuer, MetaBankMs [redacted] complained that she could not access the money associated with her card Blackhawk apologizes for any inconvenience Ms [redacted] may have experienced On January 22, 2015, Blackhawk experienced that may have prevented Ms [redacted] from accessing her money for a short period of timeWe have contacted Ms [redacted] and confirmed that she has access to her money and that there are no further issues Accordingly, we consider this matter to be resolvedPlease reach out to us with any questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted] NV XXXXX [redacted] @bhnetwork.com

Initial Business Response / [redacted] (1000, 5, 2015/04/27) */ VIA Revdex.com WEBSITE April 27, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On April 21, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a charge on her PayPower Visa Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank On April 17, 2015, Ms [redacted] attempted to pay at the pump for a gasoline purchaseThe transaction was approved resulting in an authorization holdFor security purposes, the transaction is cancelled if the customer does not begin to pump gas within a certain amount of timeThis was the case for Ms [redacted] She swiped her card and that authorized it for $Although she did not pump gas before the transaction was cancelled, the authorization remainedThis is explained in the terms and conditions of the PayPower card: If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to days With respect to Visa cards, transactions other than PIN debit transactions (that is, signature transactions and online transactions) are settled via a two-step methodFirst, the merchant obtains an "authorization" for a transactionAn authorization [redacted] not reduce the balance on the card, but it does reduce the balance available to the customer for spendingIf the transaction is completed, it [redacted] "settle" and be posted to the accountIf the transaction never settles, then after some period of time (generally no more than ten days), the authorization hold [redacted] disappear from the account, and the amount of the authorization hold [redacted] once again be available for the cardholder to spend The transaction never settled and the authorization hold was released on April 20, by the merchantThis made the $available for useAs a courtesy for any inconvenience, we have reversed fees on Ms [redacted] ' account for a total credit of $ Accordingly, we consider this matter to be closedPlease reach out to us with any further questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted] NV XXXXX www.BlackhawkNetwork.com [redacted] @bhnetwork.com Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) That is not what is stated in the terms of service and they have not issued a $credit Final Business Response / [redacted] (4000, 9, 2015/04/29) */ VIA Revdex.com WEBSITE April 29, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Rebuttal Dear Ms***, On April 29, 2015, we received a rebuttal from [redacted] in regards to our response to her original complaint The information stated in our response was copied from our terms and conditions of use of the PayPower cardThis Cardholder Agreement is provided online at: https://www.paypower.com/Content/PDF/TC/TCs_PayPower_Visa_Prepaid_Card_XXXXXX_Me...⇄ The fees totaling $were reversed on April 21, They are listed as "Monthly Maintenance Fee Reversal" on Ms [redacted] ' transaction statement which she may obtain by logging on to her account at www.paypower.comThere are two of these for a credit of $each We consider this matter to be closedPlease 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 / [redacted] (1000, 6, 2015/09/11) */ VIA Revdex.com WEBSITE September 11, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On August 28, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a block on his T-Mobile Visa Prepaid CardBlackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank On August 24, 2015, a block was placed on Mr***'s accountThe account was blocked 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 moneyThis is often referred to as "points boosting" Mr [redacted] had been previously warned that his accounts would be closed if he continued to use them in this mannerSince the activity continued, this account and all of the other accounts registered in his name have been closedA refund was issued for $1,on September 2, Mr [redacted] should receive the check soon if he has not already done so Accordingly, we consider this matter to be closedPlease 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 / [redacted] (2000, 8, 2015/09/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

On March 22, 2016, Blackhawk Network, Inc(“Blackhawk”) received a complaint from Ellen [redacted] with respect to an unauthorized charge on her Visa Gift cardBlackhawk is the program manager for these cards on behalf of the issuer, MetaBank On November 29, 2015, Ms [redacted] contacted customer service She stated that she had received the card as a gift When Ms [redacted] tried to use the card, she discovered that there was a $balance A $purchase from [redacted] had been made on November 9, We asked Ms [redacted] to provide a completed dispute form and proof of purchase Ms [redacted] provided the form, but was unable to provide the proof of purchase as the card was given to her as a gift Nevertheless, we have credited $to the replacement card that Ms [redacted] received We have contacted her to let her know that the balance has been restored to the card and is ready for use anywhere within the U.Sthat Visa debit is accepted

VIA Revdex.com WEBSITE April 10, Revdex.com Complaint Case: [redacted] RE: [redacted] Dear [redacted] *., On March 28, 2018, Blackhawk Network, Inc(“Blackhawk”) received a complaint from [redacted] with respect to an order that he placed on eBay for three Babies R Us gift cards Mr [redacted] placed his order on February 22, At that time, Gift Card Mall, a Blackhawk affiliate, fulfilled these orders We no longer sell our products on eBay On March 25, 2018, Mr [redacted] originally contacted us for assistance with an order that he had placed more than two years ago He stated that he had not previously realized that he had received three Target gift cards instead of the Babies R Us cards that he had ordered Unfortunately, we have no record of activation for the card numbers that Mr [redacted] provided to us In order to process a refund or reprint of a customer’s order, a customer must reach out to us and notify us of the problem within days There is also an eBay Money Back Guarantee that is in effect for days from the date of purchase Since it has been over two years since Mr [redacted] placed his order, we are unable to refund or reprint his order at this timeWe apologize for any and all inconveniences that Mr [redacted] may have experienced Accordingly, we consider this matter to be closed Please, reach out with any further questions Best Regards, [redacted] Blackhawk Network Customer Service Specialist [redacted]

My experience with GiftCar [redacted] has been terrible The one redeeming person in this terrible experience is [redacted] He was calling from a California phone number He deserves all kudos and a BIG raise and/or promotion Otherwise, this has been a big mess One thing deserves a mention Customer reps that respond to callers should be able to speak English Not just a little, but have achieved some fluency [redacted] was not such a person No one knew the whole story, so I had to constantly repeat it each time I spoke with someone

Final Consumer Response / [redacted] (2000, 10, 2016/01/19) */ They contacted me directly and were able to re-issue a replacement card Thank you

Initial Business Response / [redacted] (1000, 5, 2015/03/02) */ VIA Revdex.com WEBSITE March 2, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On February 23, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a block on his PayPower Visa Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank We apologize for the negative experience Mr [redacted] had, but his inconvenience resulted from our attempt to protect him and his account On February 10, 2015, a block was placed on Mr [redacted] 's card because we could not verify his identity without additional informationOn February 12, 2015, Mr [redacted] contacted customer service to check the status of his cardIt was explained to him that there was a block on his accountThe agent explained that the issue would be escalated to our Risk Department and someone would be in contact with him On February 17, 2015, our Risk Department spoke with Mr [redacted] , obtained necessary information, and removed the block on his accountMr [redacted] can now use his account and access his moneyAs a courtesy, we reversed fees on Mr [redacted] 's account for a total credit of $ Mr [redacted] has requested compensation for late fees that he states that he had to pay as a result of a late payment caused by the block on his cardI have contacted him several times to request documentation supporting the late feeTo date, Mr [redacted] has failed to provide any evidence supporting this claim Accordingly, we consider this matter to be resolvedPlease 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 / [redacted] (1000, 10, 2015/05/04) */ ***Document Attached [redacted] VIA Revdex.com WEBSITE May 4, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On April 1, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] [redacted] with respect to his Canada PayPower Visa Prepaid CardsBlackhawk's affiliate, Blackhawk Network (Canada) Ltdis the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd On March 4, 2015, Mr [redacted] 's account was closed because of suspicious transaction patternsPer the terms and conditions of the card: We may, at any time and for any reason, terminate your Card and/or your use of your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons On March 5, 2015, Mr [redacted] contacted our Risk departmentWe requested various documents to verify his identityAt that time, we explained to him that we would refund him once the requested documentation had been received and the refund had been approvedThat day, we also closed a second account in Mr [redacted] 's name Mr [redacted] provided the documentation, and we approved a refund for the remaining balance on both accounts on April 16, We have processed the refundMr [redacted] should receive a check for the full amount of both cards within days Accordingly, we consider this matter to be resolvedPlease 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 / [redacted] (2000, 14, 2015/05/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I recieved my check last weekThe entire process was horrificNo compensation for time lapseThere was no adequate update on the processing of refundThe account was closed 3rd of March, I filed a Revdex.com complaint on 31st of March and the Business is just (4th of May) responding over a month later I had to borrow money and pay INTEREST to keep my life in orderThis matter [redacted] not be resolved until I get some type of compensation for the hardships caused by Black hawk network and their month processing time while providing inadequate updates Something has to be done about the processing time for refundsThis business should not have the rating it does based on the total number of complaints and processing and response timesThey [redacted] certainly be hearing from the Canadian consumer protection agengy

Initial Business Response / [redacted] (1000, 8, 2015/12/30) */ VIA Revdex.com WEBSITE December 30, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] On December 8, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from *** Maria [redacted] with respect to an unauthorized transaction and transfer on her Canada PayPower Visa Prepaid CardBlackhawk's affiliate, Blackhawk Network (Canada) Ltd., is the program manager for these cards on behalf of the issuer, All Trans Financial Services Credit Union Ltd The first part of Ms [redacted] 's complaint pertains to a disputed transaction that posted to her account on September 4, Ms [redacted] first contacted us to dispute the transaction on October 19, At that time the investigation beganIt generally takes 45-days to resolve a disputeOn November 30, 2015, the dispute was resolved in Ms [redacted] 's favor and a credit of $was credited to her accountMs [redacted] withdrew the majority of these funds via an ATM withdrawal on December 2, The second part of Ms [redacted] 's complaint pertains to a $Canada PayPower Reload Pack that she mistakenly applied to a blocked accountOn November 6, 2015, Ms [redacted] purchased a Canada PayPower Reload Pack and associated $to itThat same day, she applied the Pack to her prepaid card that had been suspended the previous yearMs [redacted] immediately contacted us to request a refund for the $On November 12, 2015, after review of documentation that she had sent to us, we were able to successfully transfer the funds from the suspended account to her open account so that she could access these funds We apologize for any inconvenience or delay that Ms [redacted] may have experiencedAs a courtesy, we have reversed fees on her account in the amount of $Ms [redacted] has already accessed these funds Accordingly, we consider this matter to be resolvedPlease 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