Blackhawk Network

Initial Business Response / [redacted] (1000, 5, 2015/02/23) */ VIA Revdex.com WEBSITE February 23, 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 PayPower Visa Prepaid Card to which he opted to have his tax refund depositedBlackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank On February 5, 2015, Mr [redacted] filed his taxes through TaxAct and registered for a PayPower cardIt normally takes 7-business days for the card to be deliveredOn February 20, 2015, Mr [redacted] received his card and has since used his card to make purchases at retail locations and to withdraw funds at ATMs without any further issuesTo date, Mr [redacted] has not been charged any fees 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 Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/02/26) */ 2-26- Sent via email: [redacted] resolved

VIA Revdex.com WEBSITE April 23, Revdex.com Complaint Case: [redacted] RE: [redacted] Dear [redacted] *., On April 5, 2018, Blackhawk Network, Inc(“Blackhawk”) received a complaint from [redacted] with respect to two MasterCard cards on which she discovered unauthorized charges These cards are distributed by Blackhawk, but are not managed by our company We appreciate Ms [redacted] providing the card numbers in order to make it easier for us to assist her; however, we do not have access to these cards in any of our systems Through research, we were able to identify the cards as MasterCard cards issued by U.SBank We attempted to reach out to them for further assistance, but have not received a response Since we do not have access to MsKahn’s accounts, we are unable to assist her with her dispute or provide a refund We suggest that Ms [redacted] contact U.SBank for further assistance She should be able to do so by contacting the phone number or website listed on the back of the card We apologize for any inconvenience that Ms [redacted] may have experienced Accordingly, we consider this matter closed Please, reach out to us with any further questions Best Regards, [redacted] Blackhawk Network Custo [redacted]

Initial Business Response / [redacted] (1000, 10, 2015/09/04) */ VIA Revdex.com WEBSITE September 4, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On August 18, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a Canada PayPower Reload PackBlackhawk's affiliate, Blackhawk Network (Canada) Ltdis the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd On August 6, 2015, Mr [redacted] purchased a Canada PayPower Reload Pack and associated $to itWhen Mr [redacted] attempted to remove the "scratch off" to apply the Pack to his prepaid card, the PIN became damaged so that he was unable to read itHe was unable to successfully apply the Pack without the PIN That same day, Mr [redacted] called us and requested assistanceWe requested copies of the Pack and his receipt to verify himOn August 31, 2015, we were able to properly authenticate Mr [redacted] We applied the funds from his Pack to his prepaid cardWe apologize for any inconvenience or delay that Mr [redacted] may have experienced 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 Business Response / [redacted] (1000, 9, 2015/12/04) */ VIA Revdex.com WEBSITE December 4, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] On November 17, 2015, Blackhawk Network Inc("Blackhawk") received a complaint from [redacted] [redacted] with respect to a refund for the remaining balance on her PayPower Visa TravelMoney Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank On September 10, 2015, Ms [redacted] 's account was closed by the issuing bankPer the terms and conditions of Ms [redacted] 's card: We may cancel or suspend your card account 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 On November 16, 2015, Ms [redacted] contacted us to request a refund for the remaining balance on the cardOn November 24, 2015, a check was issued to Ms [redacted] for the full remaining balance of the cardIt generally takes 7-business days for a customer to receive the checkMs [redacted] should receive the check soon if she has not already done soWe apologize for any inconvenience or delay that Ms [redacted] 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

I have never been treated and talked to so rudely than I was when I called the company that services the gift card for Blackhawk Network When I asked to speak to the manager he was the rudest of all of themThe best part is that it takes 3-days to get your money put back on your prepaid debit cardI would never recommend anybody to purchase a card that is associated this company

VIA Revdex.com WEBSITE August 17, Revdex.com Complaint Case: [redacted] RE: [redacted] Rebuttal Dear [redacted] *., On July 12, 2017, “Reloadit” received a rebuttal from [redacted] with respect to our response to his original complaint“Reloadit” is actually a brand name; not a companyBlackhawk Network California, Incissues the Reloadit PackWe sincerely apologize for the delay and inconvenience that Mr [redacted] may have experiencedWe have issued two refund checks to Mr***The checks have been issued via USPS standard deliveryWe are unsure as to why Mr [redacted] never received either checkBoth checks were issued by our check processing companyIn order to ensure that Mr [redacted] receives this third check, we will be issuing this check directly and requiring a signature upon deliveryIt does take a couple days for us to set Mr [redacted] up in our systems so that the check may be createdThe check should be ready by Monday, August 17, 2017, and will be sent via overnight deliveryWe will provide Mr [redacted] with tracking information once the check is mailedAccordingly, we consider this matter to be resolvedPlease reach out to us with any further questionsBest Regards, [redacted] Blackhawk Network Customer Service Specialist Reno, NV [redacted]

Initial Business Response / [redacted] (1000, 15, 2015/05/15) */ ***Document Attached [redacted] VIA Revdex.com WEBSITE May 15, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On April 17, 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 Mr [redacted] complained about his failure to receive credit for a refund he tried to post to his cardAs set forth below, we are still investigating whether Mr [redacted] is entitled to this refund or whether his claim is fraudulentIf we determine that his claim is not fraudulent, we [redacted] send him a check for the amount of the refund Mr [redacted] states that he purchased a computer from Lenovo that he later returnedAlthough he purchased the computer with another payment method, he attempted to place the return on his T-Mobile Prepaid Card., which at that point had a zero balanceHe states that someone from our customer service team told him that he could have the credit posted to the T-Mobile card, even though he did not use that card to make the original purchaseWe have no record of this conversationAlthough this sort of refund is theoretically possible, it is not a good practice (and most merchants [redacted] not do it) because it [redacted] generally be flagged as suspected fraud On April 6, 2015, a credit for $1,from Lenovo posted to the accountThat same day, our fraud detection system flagged this as likely fraud and blocked the accountOn April 8, 2015, Mr [redacted] contacted us to unblock his cardHe was asked to send in documentation to verify his identity so that this matter could be resolvedWe never received the documentationThe next day, on April 9, 2015, Mr [redacted] called customer service and told us that he would not send in the documentation and wanted a refund insteadSince he refused to send us the documentation, we promptly closed the account for suspected fraud.We cannot reopen it We still suspect fraud on this accountHowever, we are in contact with Lenovo to determine (i) if this refund was legitimate and (ii) if so, whether Lenovo has provided Mr [redacted] with a refund through other meansIf the refund was legitimate and Mr [redacted] has not received a refund from Lenovo, we [redacted] mail him a check for $1,We believe we should have our investigation completed very soon 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] (3000, 17, 2015/05/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) That is a complete and 100% lieThis company also handles PAYPAL and I think everyone who has dealt with them knows that they [redacted] FIND EVERY EXCUSE TO HOLD YOU MONEY TO MAKE INTEREST ON THE FUNDS I was told the funds would be released and to go down to my bank and withdrawlI tried with them on the phone and no luckThats where the fun beganI was then asked to send them A photo copy of MY LICENSE , A COPY OF THE INVOICE, and A PHOTO OF THE CARDI did immediately that nightI had also asked that they send me a formal email requesting the documentsTHEY WOULD NOT UNDER ANY CIRCUMSTANCES SEND ME AN EMAILThey don't want any type of paper trail The next day I get a call from " [redacted] " from the risk departmentHe is now telling me that the documentation that they requested was not enought and wanted the original invoice with the original persons name that I had purchased it from with the charges and billing informationWhy? I don't know because I sent them an actual shipping invoiceOk, so I had to ask the person(whom I do not know personally, if it was ok to send them this) FineNow I had to call Lenovo back and get them to send me the documentationDONENow I forward all of this information to " [redacted] " from Risk ManagementNow I felt ok to send this because he told me he was in [redacted] Not true, I found out he was located in [redacted] Now I get [redacted] off at him for lying to me and having me send all of this personal information to a foreign countryHe threatens me and tells me he knows where I live now!!!!!!!! He then informs me that he could not have released the funds anyway because the original card was not the one that funds were going back onTHEY TOLD ME I COULD DO ITI OWN A MERCHANT SERVICES COMPANY AND WOULD NOT HAVE WASTED THE TIME WITH THEIR BS I had to call back over timesI heard that the funds were gonePERIOD"For recovery?" WTF? Then given different case numbers, then, they had on card but would not give backJUST MAKING STUFF UP AS THEY WENT ALONGNow days later they are telling me that it was approved for refund and would take another daysThat was on the 11th Oh, to addLenovo called them on way and they [redacted] just told him to bad! THIS COMPANY IS A CROCK! Not one thing they have said was trueJust call them and find outAsk them to send you an email in any type of litigation This money had to be used to buy a new laptop for workNot to make them interest and hold it for daysWHAT A NIGHTMAREDO NOT GIVE THIS COMPANY ANY MONEY!!!!

VIA Revdex.com WEBSITE April 10, Revdex.com Complaint Case: [redacted] RE: [redacted] Dear Maite B., On April 4, 2018, Blackhawk Network, Inc(“Blackhawk”) received a complaint from [redacted] with respect to an unauthorized charge on a Visa Gift card that she never received as part of an order she placed on GiftCards.***This website is operated by Blackhawk, which is the program manager for this card on behalf of the issuer, MetaBank On December 11, 2017, ** [redacted] purchased two $Visa Gift cards on the GiftCard [redacted] website One of the cards was never received, although it was activated and used to make two purchased for a total of $ On December 27, 2017, ** [redacted] contacted us to let us know that the card was never received At that time, she was informed that the card had been used and the dispute process was explainedOn January 3, 2018, a letter was sent to ** [redacted] requesting documentation to continue with the dispute process In the letter, it was also explained that it could take up to days for this matter to be resolved On January 9, 2018, we received the first page of the dispute form; however, there are three pages to this document that need to be submitted As a result, this case was pending the receipt of the additional documentation Although all of the documentation was never received, we credited ***’s account with $on April 9, as a courtesy in an attempt to resolve this matter We have processed a refund for the full amount that ** [redacted] paid for the card in the amount of $ The check will be sent via USPS by the end of next week It generally takes 7-business days to be received once it is sent The check will arrive in a “postcard” style format We have reached out to ** [redacted] and provided this information, as well as, a sample copy of a check so that she knows what to expect We apologize for any delay or inconvenience that ** [redacted] may have experienced 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]

Initial Business Response / [redacted] (1000, 8, 2015/04/29) */ VIA Revdex.com WEBSITE April 29, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On April 8, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to an unauthorized charge on her Visa Gift cardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank On November 20, 2014, Ms [redacted] contacted customer serviceShe stated that: (i) she made a purchase from PayPal [redacted] ; (ii) the merchandise was returned to the merchant and (iii) the merchant refused to refund her for the merchandiseWe sent Ms [redacted] a letter and a dispute form which explained the dispute process and the information required On November 21, 2014, a dispute form was received from someone other than Ms [redacted] Since Ms [redacted] was the only person registered to the card, the dispute form would have needed to be in her nameThat same day, we sent a letter to Ms [redacted] requesting additional information including a completed dispute form We never received any of the requested documentation from Ms [redacted] Unfortunately, we are unable to assist a customer with a dispute unless this documentation is receivedOn April 21, 2015, we called Ms [redacted] and left a voicemail requesting that she return our callWe have not heard back from Ms [redacted] Visa requires that all transaction disputes be filed within days of the transaction date 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 Business Response / [redacted] (1000, 8, 2015/02/17) */ VIA Revdex.com WEBSITE February 17, Revdex.com Complaint Case: RE: Sally Medina Dear MsGreen, On January 29, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from Sally Medina with respect to her PayPower Visa Prepaid CardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank Blackhawk apologizes for any inconvenience MsMedina experienced as a result of not being able to access her funds On December 10, 2014, MsMedina contacted customer service to report her PayPower card as lost and requested a replacementIt normally takes 7-business days to receive a replacement card via standard deliveryOn December 26, 2014, MsMedina contacted customer service as she had not received the replacement cardAt that time, another replacement card was requested and the $fee to expedite the shipping was waivedExpedited shipping takes 3-business days to be deliveredMsMedina contacted customer service two more times and an expedited card was shipped each time and the fee was waived On January 14, 2015, MsMedina finally received her replacement cardWe have verified that the address, to which each of the replacements was shipped, was correct and constant for all requestsWe are unsure why MsMedina did not receive a replacement card soonerWe have provided a $credit to her account as a courtesy We consider this matter closedPlease, reach out to us with any further questions Best Regards, Heidi Lyttle Blackhawk Network Customer Service Specialist Reno, NV www.BlackhawkNetwork.com [email protected]

Complaint: [redacted] I am rejecting this response because:I have already supplied the information about my other form of payment twice to the customer service email, [redacted] , which is the address provided on their dispute formI have tried to contact them to confirm receipt but there is no way to contact their dispute areaI will send it again today to the department that responded to my Revdex.com disputeSincerely, [redacted]

Gift Card Mall ( [redacted] ) took my request but never followed up with a confirmation email letting me know the e-card was deliveredI called the company's customer service who told me it was delivered and that a confirmation email was sent to me; however, I am 100% positive no confirmation was sent to meI would never use this business againThe original order also stated I would receive a confirmation email once my credit card payment was approvedI never received that eitherI have used many other e-gift sites, and this is the only one that has failed to deliver conformations

Initial Business Response / [redacted] (1000, 8, 2015/12/04) */ VIA Revdex.com WEBSITE December 4, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] On November 9, 2015, Blackhawk Network Inc("Blackhawk") received a complaint from [redacted] with respect to a block on a PayPower Visa Prepaid card that is registered in his mother's nameBlackhawk is the program manager for this card on behalf of the issuer, MetaBank On October 23, 2015, after several attempts to register a PayPower card, Mr***'s mother's account was blocked due to suspected fraudNo fraud detection system is perfect, and occasionally, systems block cards where no fraud is involvedThat same day, Mr [redacted] contacted customer service to inquire on the status of her accountWe explained to him that the account had been blocked and to send in documentation that proves that he has Power of Attorney in regards to her affairsOn October 30, 2015, we received the requested documentation and forwarded it to our legal departmentOn November 6, 2015, we received approval from our Legal team to unblock the cardThat same day, the card was unblocked and the customer was notified of thisSince that time, the customer has used the card numerous times to make purchases at local retailersWe apologize for any inconvenience or delay that Mr [redacted] may have experienced, but it resulted from our attempt to protect his mother and her account 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

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 meI look forward to hearing from them by 6/27/that the chargeback has been processed and settledThank you for your assistance.Sincerely, [redacted]

VIA BBB WEBSITE July 27, 2017 RevDex.com Complaint Case: [redacted] RE: [redacted] Dear [redacted] *., On July 12, 2017, “Reloadit” received a complaint from [redacted] with respect to a refund for his Reloadit Pack. “Reloadit” is... actually a brand name; not a company. Blackhawk Network California, Inc. issues the Reloadit Pack. On June 13, 2017, Mr. [redacted] purchased a Reloadit Pack and associated $300 to it. On June 21, 2017, Mr. [redacted] contacted us to request a refund since he was unable to load the Pack to an online safe at [redacted] . The safe is now the only way that a Reloadit customer may apply a Pack to a prepaid card. The safe is a requirement in an effort to safeguard our customers from fraud. It generally takes 30 business days for a customer to receive a refund check. The original check was expedited for Mr. [redacted] and mailed on June 30, 2017 via USPS. It generally takes 7-10 business days for the check to be received once it is sent. Since Mr. [redacted] never received the check, a stop payment was placed on the original check and the check was reissued. Mr. [redacted] should expect to receive the check by the middle of next month. It will arrive in a “postcard” style format. We apologize for any inconvenience or delay that Mr. [redacted] may have experienced. 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 Reno, NV 89511 [redacted]

Initial Business Response / [redacted] (1000, 10, 2016/02/24) */ February 24, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms [redacted] On February 3, 2016, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to the balance on her Visa Gift cardBlackhawk is the program manager for this card on behalf of the issuer, MetaBank On January 29, 2016, Ms [redacted] purchased a $Visa Gift cardThat day, she used it at a restaurant, but was told that there was only $available on the cardThis is due to the gratuity allowance that is set at this establishmentAlthough the card had a $balance, the restaurant personnel could not charge the full amount in order to ensure that funds were available in the event the Ms [redacted] would have liked to include a gratuity on this card Upon receipt of this complaint, we verified that the account had a remaining balance of $We contacted Ms [redacted] and explained this to herMs [redacted] has since spent the entire balance of the card with no further issues Accordingly, we consider this matter to be 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, 2015/04/13) */ VIA BBB WEBSITE April 13, 2015 RevDex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms. ***, On March 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from [redacted] with respect to a... PayPower Visa Prepaid Card to which she opted to have her tax refund deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for the negative experience Ms. [redacted] had, but her inconvenience resulted from our attempt to protect her and her account. On March 4, 2015, Ms. [redacted] had a tax refund posted to her account. That same day, we placed a block on Ms. ***'s account because we could not verify her identity without additional information. In order to remove this block, multiple forms of documentation are required including a photo ID, Social Security card, and utility ***. Ms. [redacted] contacted our customer service for assistance and was advised that we needed this documentation in order to remove the block on her account. We were unable to properly authenticate Ms. ***. This account has been closed and we are sending the funds back to the IRS via check. We suggest Ms. [redacted] contact the IRS regarding this refund. 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 www.BlackhawkNetwork.com [redacted] @bhnetwork.com Initial Consumer Rebuttal / [redacted] (2000, 10, 2015/04/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response / [redacted] (1000, 8, 2015/02/26) */ VIA Revdex.com WEBSITE February 26, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On February 10, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to a $25Nintendo Wii gift card he purchased over two years ago at Kmart as a gift for his sonNintendo issues this card; Blackhawk distributes the card to various retailers for saleApparently, Mr [redacted] bought the wrong system card; his son does not have a Nintendo systemMr [redacted] complained that Kmart, Nintendo, and Blackhawk all refused to give him a refund Mr***'s gift card is still good for $on the Nintendo WiiGift cards generally are non-refundableAs Blackhawk is merely the distributor of the card, we [redacted] not give Mr [redacted] $(which we would not be able to recover) simply because he bought the wrong cardWe [redacted] contact Nintendo on Mr***'s behalf to see if they [redacted] take their card back and provide Mr [redacted] with a refundWe [redacted] update this response when we hear back from Nintendo 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 / [redacted] (3000, 10, 2015/03/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I absolutely do not accept their responseThere are number of problems with Ms [redacted] 's answerFirst, she implies this is a "gift card." This is not a gift cardIt is a points cards for a nintendo system required to use the full functionality of the sytemSecond, she states they are "generally non-refundable"In fact, nowhere does it say this card is non-refundable if the points are never used or the "silver area" never "scratched off." It does say "For refunds on un-reedemed cards, please send email to: [redacted] @blackhawk-net.com", which I did several time with not even the courtesy of a responseThird, I am not sure how to respond to their rejection of a common consumer practice of returning the wrong purchased item when there is nothing that says there are no returns and, in facts, identifies how to get a refund written right on the product itselfSince I was only asking for a return of $not $as Ms [redacted] keeps referring to in here response, I [redacted] accept $as a refund Final Business Response / [redacted] (4000, 12, 2015/03/12) */ VIA Revdex.com WEBSITE March 11, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, As we promised in our first response to Mr***, we contacted Nintendo on his behalfNintendo stated that they e mailed him at the e mail address he provided in his complaint, provided him with a direct phone number to their Escalation Team, and asked him to give them a call to discuss the matterSo far, Nintendo has not received a call or an e-mail reply from Mr*** We believe that Nintendo [redacted] attempt to resolve Mr***'s complaint if he contacts them as they requestedAs we neither issue nor sell the card, we cannot provide a refund 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 / [redacted] (1000, 5, 2015/03/19) */ VIA Revdex.com WEBSITE March 19, Revdex.com Complaint Case: XXXXXXXX RE: [redacted] Dear Ms***, On February 11, 2015, Blackhawk Network, Inc("Blackhawk") received a complaint from [redacted] with respect to seventeen Reloadit Packs that she purchased as a result of a scamBlackhawk's affiliate, Blackhawk Network California, Incis the issuer of the Reloadit Pack Unfortunately, Ms [redacted] was a victim of a very common fraud schemeTypically, the fraudster [redacted] call a potential victim and impersonate a government officialThe victim is told that they must pay money immediately in order to avoid some impending disasterThe victim is asked to use a cash-like money transfer deviceWhen the victim provides the codes for the device to the fraudster, the fraudster transfers the money to one or more prepaid cards they control (as a result of identity theft) and disappears The most prevalent variant of this scheme is the IRS impersonation scamThe IRS has put out a number of press releases and videos in an attempt to warn the publicRegrettably, their efforts have not been entirely successful Ms [redacted] 's case fits the pattern all too wellOn February 24, 2015, Ms [redacted] received a call from someone (a fraudster) claiming to be from the IRSShe was asked to purchase seventeen Reloadit Packs for a total of $in order to pay taxes she allegedly owedShe purchased the Packs in separate transactions during the course of hoursEach time she provided the PINs to the fraudster over the phone immediately after completing the purchasesWithin hours of each purchase, all but four Packs were used On February 25, 2015, Ms [redacted] contacted customer service to report the fraudAt that time, we were able to block Packs for $each that had not been usedIn addition, during the process of our investigation into this fraud, we were able to recover $from accounts that had not been spent by the fraudsterMs [redacted] provided us with copies of her photo ID, receipts, and the backs of the packs to verify her as the purchaserWe have processed a refund for the total amount of funds recovered in the amount of $Ms [redacted] should receive a check by the end of this month We are sorry that Ms [redacted] was victimized by this fraud schemeWe are unable to refund anything further since the remaining funds have been used by the fraudsterWe suggest that Ms [redacted] file a police report regarding this matterWe [redacted] assist law enforcement agencies in their efforts to apprehend the perpetrators 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 Business Response / [redacted] (1000, 16, 2015/12/15) */ VIA Revdex.com WEBSITE December 15, 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 cards received from Incentive CardLab, which is a Blackhawk brand name Incentive CardLab offers businesses the opportunity to purchase incentive gift cards at a bulk discountMs [redacted] ' company purchased $gift cardsPer the terms and conditions of these cards, there is a fee of $(per month, applied to the Card balance beginning months prior to Card expiration)Since of these cards had not been given out, the fees depleted the balances on these cardsSince the card disclosures were misunderstood or overlooked, we have reissued the cards to Ms [redacted] as a courtesyThe cards [redacted] be shipped via UPS and Ms [redacted] should receive them by early next week at the latestWe apologize for any inconvenience Ms [redacted] and her company 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 Consumer Rebuttal / [redacted] (2000, 18, 2015/12/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)