Santa Barbara Tax Products Group

I recently used [redacted] to file my taxes in which I chose to have the fees taken out of my refund as I do every year without a problem this year has however been very differentThe IRS sent SBTPG my refund on 2/which they took the fees and then said they sent them to my Bank to be deposisted but my bank rejected the fundsI checked my Bank account on 2/which was my direct deposit date and still had nothing snowingI then called my Bank to ser if any thing had been sent and they had nothing from SBTPG and did not reject any thingI then found out that SBTPG has but a hold on my account and refused to send my money until I verified my idI sent that id in on the 18th like I was toldThey Lady I spoke to that day told me to take a front and back photo of my id( the primary name on The account) and upload it and they would verify and I should call back on tuesday and they should know somethingI called on tuesday and was told it was still processingI asked to talk to a supervisor who was completely rude and kept telling me this was my fault and she was doing me a favor by placing a hold on my account and funds.She then told me that I needed to send both ids( mine and my husbands) vía email and that she would have her supervisor look it up when he came in and to give it hrs before I would see progress in my accountToday makes hrs since that phone call and I still have the hold and no progress with getting my refundI would not recommend any one use this company as they are rude and useless seems to me as they are id verify everyone to charge them another fee to send a checkI just want my money and for them to be a little more understanding that people are upset that they have already waited days for this money and another 2-weeks is just crazy

February 26, [redacted] Dear Mr [redacted] , This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 18, In your complaint, you stated that you filed your tax return through [redacted] After learning your account was placed on hold, you were asked to submit your identification to the TPG websiteYou attempted to call TPG’s customer service but were unable to reach a reprehensive to answer your questions If a taxpayer enters a bank account that will not accept the refund deposit, the transaction is rejected by the receiving bankOftentimes this occurs because the taxpayer has entered incorrect bank account information or the account is closedIn these cases, the receiving bank rejects the transaction, and returns the funds to the sender, in this case, TPGTPG has nothing to do with the incorrect account information entered by the taxpayer or the receiving bank’s decision to reject the fundsOnce TPG receives the rejected refund, the company has the option of making another attempt to disburse the funds to the customer or simply returning the funds to the IRS Controls are in place to protect our customers from identity theft and fraudTPG has requested that you provide your valid personal ID to verify that you are the correct account holder Your information was being verified and the hold was released from your accountOn February 23, TPG processed your tax refund as a check and mailed it to you on the same datePlease allow up to days for the check to reach your address listed above We apologize for the inconvenience in which your inquiry was not handled by our customer service agents Customer courtesy is an extreme priority for us and in this case, we apparently failed you All the customer agents involved have been reminded of their obligation to always process customer inquiries and in a respectful manner If you have any questions or concerns, please feel free to contact me directly at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

March 15, [redacted] class="MsoNormalCxSpMiddle"> Dear Mr [redacted] , This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on March 8, In your complaint, you stated that TPG required you to send your identification and because we would not accept it, you requested to have funds sent back to the IRSYou are requesting a refund of the refund transfer fee On February 24, 2016, TPG processing on behalf of [redacted] disbursed your tax related Refund Transfer (RT) proceeds to the account directed by you in your electronic applicationFunds were deposited to the account instructed on the [redacted] Refund Processing AgreementYour financial institution rejected the funds and declared the account invalid You may contact your financial institution and provide them with trace number: [redacted] for further details regarding the rejection of funds The funds were returned to TPG on February 26, As a risk control, rejected transactions are placed on hold until TPG can verify the taxpayer’s identity, at which time a Cashier’s Check is issued On March 4, 2016, TPG was unable to successfully verify the personal information you provided in order to release the hold on the accountPer your request, the refund is being processed to be returned to the IRSPlease be advised that once we have returned funds to the IRS it can be several weeks before they acknowledge receipt and post to your accountYou may contact the IRS directly at [redacted] to determine the status of your refund TPG provided the service which we were contracted to provide in deducting the applicable fees and depositing the funds into the account which you directed on the online agreement; therefore we deny the request for reimbursement of the bank refund processing fee If you have any other questions or concerns, please feel free to contact me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Senior Compliance Analyst

Maryanne [redacted] Re: Case [redacted] September 22, Dear [redacted] , This is in response to the complaint filed against Santa Barbara Tax Products Group (TPG) to the Revdex.com of San Diego on September 18, regarding service issues Upon review of your record, a Refund Transfer (RT) was chosen when your taxes were prepared through Turbo TaxOn April 21, the IRS funded your federal return; fees were deducted to pay your Turbo Tax user fees and an additional bank deposit product feeThe balance was deposited to the account instructed on The [redacted] Company Refund Processing AgreementYour Bank rejected the funds and declared the account an R“Account Closed”The funds were returned to TPG on April 23, TPG has nothing to with incorrect account information entered by the taxpayerOnce TPG receives the rejected refund our company has the option of making another attempt to disburse funds to the customer or simply returning the funds to the IRS This second attempt to deliver the refund through an alternative delivery method, which is a paper check, was returned to our office on June 5, as “undeliverable” No interest is earned on your deposit and your deposit is not being used by any financial institution during the processing of your refundSince we could not proceed any further in our efforts, TPG has returned funds associated with your tax return filing back to the Internal Revenue Service, specifically the RICS/IVO Division of the IRS in Fresno, on June 11, The funds were sent back electronically via the FMS ACH Credit Gateway processPlease allow approximately 10-weeks from the date for the IRS to acknowledge receipt of funds We thank you for the inquiryIf you have any further concerns or questions regarding this complaint, please feel free to contact me at 877- [redacted] , Monday through Friday am to pm Respectfully, [redacted] Compliance Analyst

Dear Mr***, This letter is in response to the rebuttal complaint filed through the Revdex.com against Santa Barbara Tax Products Group (TPG) on March 29, TPG understands your frustration regarding the receipt of your Federal Tax RefundHowever, TPG has provided the service which we were contracted to provide in deducting the applicable fees and depositing the funds into the account which you directed on the online agreement Unfortunately, the account information you provided to have your funds deposited at the time of filing was inaccurateAs a second attempt, TPG disbursed funds related to your return via a Cashier’s Check mailed to the address on recordHowever, that check was returned as undeliverableFollowing that, as a courtesy, TPG made a final attempt in offering an Indemnity Bond which would place a stop payment on the lost/stolen Cashier’s Check and issue a replacement checkAt that time, you decided not to proceed with the Indemnity Bond and requested TPG to return your funds to the IRS We realize this letter is not the answer you were hoping for, but per your request, on March 21, 2018, TPG began the process to have your funds returned to the Internal Revenue Service (IRS), specifically the RICS/IVO Division of the IRS in Fresno, CAAs a courtesy, TPG will expedite the process to have your funds returned to the IRS via CheckOnce the check has been issued, TPG will provide you with a check copy and tracking information to the email address on record If you have any questions or concerns, please, do not hesitate to contact TPG directly at 877-908-7228, Monday through Friday, 7:am to 4:pm Respectfully, [redacted] Program Operations Analyst

Dear Ms***, We are writing in response to a complaint filed through the Revdex.com against Santa Barbara Tax Products Group (TPG) on February 27, Please allow me to explain the role of TPG in this matterTPG, on behalf of [redacted] (Bank), offers tax related financial products through a network of tax preparation franchises, independent tax professionals and online tax preparation providersThese products provide the taxpayer a method of having their tax preparation fees deducted from their tax refund without paying any upfront feesWhen your taxes were prepared through the online software provider, you chose a Refund Transfer (RT) productWhen the taxpayer selects an RT, they direct the IRS to deposit their tax refund into a temporary account at the BankWhen the Bank receives the IRS refund, the Bank makes deductions from the refund to pay the tax preparation fees and Bank feeThe balance of the refund is then disbursed to the taxpayer by way of deposit to an account designated by the taxpayerIn the complaint filed with Revdex.com, it was stated that there were problems surrounding the receipt of your tax refund and that you have been provided conflicting information by TPG employees Specifically, you stated that you received different dates from TPG on when your refund check was printed out It also stated that you were lied to and that your bank did not reject payment To resolve the issue at hand, you would like your refund I want to address both portions of your complaint, but would like to first and foremost apologize for your negative experience with TPG customer service We take this complaint very seriously and are committed to providing you a positive experience with our company We appreciate you as a customer and value your business We are truly sorry to hear you have had this experience To help you understand our process we have listed out the events associated to your account as follows: · According to our records, on January 27, 2017, TPG received your electronic filing record from your online software providerThis means that you elected to initiate a Refund Transfer to pay your tax preparation fees· On February 22, 2017, TPG received payment related to your federal tax refundTPG then deducted the fees related to your tax software fees and Refund TransferOn that same date, it was deposited to the account with [redacted] Bank, as requested when you filed your tax returnPlease refer to the detailed client letter mailed to the address on record for the account your refund was deposited into along with the tracking details· On February 24, 2017, your financial institution rejected the funds and declared the account an R03/ No Account-Unable to Locate AccountThe funds were returned to TPG on February 24, You were then notified that a Cashier’s Check would be issued to the address filed on your tax return· On March 3, 2017, TPG has record of the check being verified by a financial institutionIf you have any other questions or concerns, please feel free to contact TPG at [redacted] , Monday through Friday between 7:00am to 4:00pm (PST) Respectfully, [redacted] Compliance Analyst

[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.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***

February 24, [redacted] Dear Ms [redacted] , This is in response to your complaint against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 16, In your complaint, you stated that your account was on hold after you opted for an [redacted] ***After contacting TPG, you were unable to receive the information you needed regarding the whereabouts of your refund Upon review of your account, your account was placed on hold because the account information you entered was invalidOn February 9, the IRS funded your federal return; fees were deducted to pay your [redacted] user fees and an additional Bank processing fee for the RTThe balance was deposited to the account instructed on the [redacted] Refund Processing AgreementYour financial institution rejected the funds and declared the account as an R03/“No Account/Unable to locate account” You may contact your financial institution and provide them with trace number: [redacted] , date of deposit and amount for further details regarding the rejection of fundsTPG confirmed the attempted deposit and rejection with [redacted] at [redacted] ext [redacted] The funds were returned to TPG on February 11, TPG was able to verify your information allowing TPG to take the hold off your accountYour check has been processed on February Please allow up to days for the check to reach your address on file Please note there is no interest is earned on your deposit and your deposit is not being used by any financial institution during the processing of your refund If you have any questions or concerns, please feel free to call me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

March 3, [redacted] Dear Mr [redacted] , This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Better Business Bureau on February 23, Your complaint stated that after you filed your taxes, you were notified there was a hold on your accountYou did not receive any explanation for the holdWhen you tried calling TPG to inquire about the hold, you were unable to reach a TPG representative to discuss the status of your funds We experienced extremely large call volumes which correlates to extremely large funding from the IRSThis unexpected spike in business caused extreme demand on our resources such as our call center We apologize for the inconvenience this has caused you and the inability for you to reach live customer support Due to the amount of compromised SSNs along with non-public personal information (NPPI) throughout the country, we have put controls in place to prevent identity theft and fraudTPG feels this is the most prudent course of action to protect taxpayers given the current environmentTPG is committed to protecting your privacy and ensuring that only you can access your funds Despite your history with us, your account was flagged for further reviewOn February 25, TPG was able to verify your information and release the hold on your accountYour return has been direct deposited into the account you provided when filing your taxes Thank you for taking the time to communicate to us why our service did not meet your expectations Additionally, we thank you for your loyalty in using our bank productWe have every desire to address your needs and provide the best solution available to resolve your issue as soon as possible We hope the points listed above offered a fair explanation and solution If you have any other questions or concerns, please feel free to contact me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

[redacted] ** [redacted] Re: Case [redacted] April 14, Dear [redacted] , This email is in response to the complaint filed against Santa Barbara Tax Products Group to the Revdex.com of San Diego on April 4, regarding delivery issues TPG allows taxpayers the opportunity to correct mistakes in their account information and avoid reprocessing until the item is received, which may be several days or several weeks TPG offers a Web site where customers can change their account information TPG also notifies the customer, through e-mail, at the time of funding, that the refund has been received and will be deposited into the bank account On March 11, 2015, you called our Customer Service line and when you indicated that you were having difficulties with our website, our agent provided you the option to send in an Account Change Form with IDs to verify your identity You stated that you would not be sending in that email TPG began the process of returning your funds to the IRSThis process can take up to business daysPlease be advised that once we have returned funds to the IRS it can be several weeks before they acknowledge receipt and post to your accountWe apologize for this inconvenience, but please understand it is our obligation to follow these procedures to ensure the money is forwarded to the lawful owner The fees deducted from your refund were [redacted] user fees of $for tax preparation If you would like reimbursement of these fees, please contact [redacted] directly TPG did not charge any fees for our services Full disclosure of the Bank and TPG are on the [redacted] webpages I’ve attached a few SAMPLE screen shots for your review Please feel free to contact me at 877-908-7228, Monday through Friday am to pm, if you have any further questions or concerns regarding this complaint Respectfully, [redacted] Senior Compliance Analyst

March 14, [redacted] Dear Ms***, This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Better Business Bureau on March 4, Your complaint stated that you filed your taxes on January but did not receive your refundYou called TPG and was given a number of different dates as to when you should receive your tax refund Upon review of your record, it shows that the account you tried depositing your refund into was closedIf a taxpayer enters a bank account that will not accept the refund deposit, the transaction is rejected by the receiving bankOften times this occurs because the taxpayer has entered incorrect bank account information or the account is closedIn these cases, the bank “rejects” the transaction, and returns the funds to the sender, in this case, TPG As a risk control, rejected transactions are placed on hold until TPG can verify the taxpayer’s identity, at which time a Cashier’s Check is issued TPG was able to verify your information and released the hold on the accountThe refund was reissued as a Cashier’s Check on February 29, TPG confirmed that the check was negotiated on March 9, Thank you for taking the time to communicate to us why our service did not meet your expectationsIf you have any other questions or concerns, please feel free to contact me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

Problem: This business is ran by criminals and liarsThey had problems with my tax return, which took them weeks to "resolve." I then filed a complaintThey immediately decided to reject my return and send it back to the IRS; this lasted for about a week, before they changed their mind (WITHOUT my permission) and decided they would keep itTwo weeks ago, they claimed it was mailedA week ago, they again claimed it was mailedI have received absolutely nothingWhen I call them, they lecture me about how important they are and how much worse they could make this for meThis is unacceptableThey are holding MY moneyI want it ASAP, and I want my charges that they took from my return refundedI will never again do business with [redacted] as long as they associate themselves with these criminal buffoons Desired Outcome: GIVE ME MY MONEY

February 19, [redacted] [redacted] S [redacted] Wa [redacted] Dear Mrs***, This letter is in response to the complaint filed against Santa Barbara Tax Products Group (TPG) to the Revdex.com of San Diego and Imperial Counties on February 9, regarding your tax refund deposit As I confirmed with you on the phone, after a thorough investigation into your account, we believe that you are a victim of Identity Theft We have placed an identity theft indicator on your account Please disregard any written notices or statements you may have received regarding this fictitious account No information concerning this account will be reported to any credit agencies We encourage you to contact the IRS at the Identity Theft Specialized Unit, toll free at (800) 908- The IRS can assist you with questions regarding identity theft related to your account You will need to fill out the IRS Identity Theft Affidavit, Form 14039, please locate this form on www.irs.gov As a victim of identity theft, you should take immediate steps to protect your personal information We have provided a link to the Federal Trade Commission’s website for information on what you should do as a victim of identity theft: http://www.ftc.gov/bcp/edu/microsites/idtheft So that we may investigate this matter more thoroughly and help provide as much information as possible to the authorities, please provide us with a copy of the signed for and a government issued photo ID for our records This will help us validate your identity and your claim of identity theft If you have any further concerns or questions regarding this complaint, please feel free to contact me at [redacted] , Monday through Friday 7am to 3pm PST Please reference case # [redacted] Respectfully, Chr [redacted] C [redacted] Santa Barbara Tax Products Group

March 21, [redacted] ** [redacted] Dear Ms [redacted] This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on March 9, Your complaint stated that since February 18, you have been waiting for your refund to be deposited into your bank accountYou realized that the account you entered for your refund to be deposited to is closedYou called to inform TPG about your account but learned there was a hold placed on your refundYou requested your refund be sent back to the IRS but have been given different timeframes when the refund would be returned We apologize for the inconvenience you experienced and the manner in which you felt our customer service agents handled your inquiryWe have spoken with the customer service representatives regarding your complaint and reminded them of their obligation to always process customer inquiries in a respectful manner Controls are in placed to protect our customers from identity theftAs explained to you during our phone conversation on March 17, since there was an error in your account information as well as the address you entered while filing your tax return, TPG is obligated to send your refund back to the IRSTPG has begun the process of returning your funds to the IRS, specifically the RISC/IVO Division of the IRS in Fresno, CaliforniaThe funds will be sent back via Cashier’s Check and you will be provided a tracking number to enable you to track the delivery statusThis process can take up to daysPlease be advised that once we have returned funds to the IRS it can be 10- weeks before they acknowledge receipt and post to your account Thank you for taking the time to communicate to us why our service did not meet your expectationsIf you have any other questions or concerns, please feel free to contact me at 877-908-7228, Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

March 1, [redacted] Dear [redacted] , This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 20, Your complaint stated that after filing your taxes with [redacted] , your refund was sent back to TPG after being rejectedOnce you learned this information, you were asked to upload your identification and that the process would take daysAfter over a week, you were still unable to have your account released from the holdYou also stated you were unable to locate TPG’s contact information which made it difficult for you to contact TPG to inquire regarding the status of your refund TPG’s website, [redacted] contains a Contact Us page You can find our contact information by clicking “For Taxpayers” on our homepage and then click “NEED HELP?” on the following page You have a number of options on this 1) you may submit a request by clicking the button at the top right of the page titled “Submit a request” or 2) click on “Contact Information” to get live support by using the appropriate support departments listed on the page Our hours of operation are also listed on the Contact Information pageIf using our website to submit a request, you simply provide TPG with your email address, subject title, description of your inquiry, and choose whether you are a taxpayer or tax professionalYou are also able to provide any attachments associated with your inquiry Upon review of your record, a Refund Transfer (RT) was chosen when your taxes were prepared through Turbo Tax On February 9, the IRS funded your federal return; fees were deducted to pay your Turbo Tax user fees and an additional Bank processing fee for the RT The balance was deposited to the account instructed on the [redacted] Refund Processing Agreement Your financial institution rejected the funds and declared the account an R03/ “No Account – Unable to Locate Account” You may contact the ACH Department for Security Service Federal Credit Union at [redacted] and provide them with trace number: [redacted] , date of disbursement and amount for further details regarding the rejection of fundsThe funds were returned to TPG on February 11, If a taxpayer enters a bank account that will not accept the refund deposit, the transaction is rejected by the receiving bankOften times this occurs because the taxpayer has entered the incorrect bank account information or the account is closedIn these cases, the receiving bank “rejects” the transaction and returns the funds to the sender, in this case, TPGTPG has nothing to do with the incorrect account information entered by the taxpayer or the receiving bank’s decision to reject the fundsOnce TPG receives the refund, the company has the option of making another attempt to disburse the funds to the customer or simply returning the funds to the IRS Controls are in place to protect our customers from identity theft and fraudTPG verified your information and released the hold from your accountOn February 22, TPG was issued your tax refund as a check and mailed it to you the same dayYour account confirms that the check cleared on March 1, Thank you for taking the time to communicate to us why our service did not meet your expectations We hope that the points above addressed your needs and provided the best solution available to resolve your issueIn addition, we will further evaluate how we can enhance our processes to avert this problem from occurring again in the near futureIf you have any other questions or concerns, please feel free to contact me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

April 7, [redacted] Dear Mr [redacted] , This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on March 29, In your complaint you stated that you filed your tax return through [redacted] and elected to have a Refund Transfer (RT)The IRS notified you that your return was approved on March but the funds were not deposited into your designated accountAfter learning that your refund went through TPG, you were asked to upload your identificationAfter following those procedures, you were told it would take over a week to process your documents Due to the amount of compromised SSNs along with non-public personal information (NPPI) throughout the country, we have put controls in place to prevent identity theft and fraudTPG feels this is the most prudent course of action to protect taxpayers given the current environmentTPG is committed to protecting your privacy and ensuring that only you can access your funds After TPG contacted you and verified your personal information, TPG was able to release the hold on your accountOn March 31, your return was direct deposited into the account you provided when filing your taxes Thank you for taking the time to communicate to us why our service did not meet your expectationsIf you have any other questions or concerns, please feel free to contact me at 877-908-7228, Monday through Friday, 7am to 4pm Sincerely, Melissa Gaines Compliance Analyst

February 18, [redacted] Dear Mr***, This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Better Business Bureau on February 12, Your complaint stated that you were unable to receive adequate answers regarding the hold on your accountYou also stated that you had an unpleasant encounter with one of TPG’s Customer Service agents Upon review of your record, a Refund Transfer (RT) was chosen when your taxes were prepared through Turbo Tax On February 9, the IRS funded your federal return Your bank rejected the funds and declared the account “No Account / Unable to Locate Account” You may contact your bank and provide them with trace number: [redacted] for further details regarding the rejection of funds If a taxpayer enters a bank account that will not accept the refund, the transaction is rejected by the receiving bankOften times this occurs because the taxpayer has entered the wrong account information or the account is closedIn these cases, the receiving bank “rejects” the transaction, and returns the funds to the sender, in this case, TPGOn February 18, the rejected funds were reprocessed and converted into a checkThe check will be issued within the next hoursPlease allow up to days for the check to be received at your address of record On behalf of TPG, I would like to formally apologize for the manner in which your inquiry was handled by our Customer Service agentsThe customer agent you named has been reminded of their obligation to always process customer inquiries in a respectful manner If you have any questions or concerns, please feel free to contact me at [redacted] , Monday through Friday, 7am to 4pm Sincerely, [redacted] Compliance Analyst

Dear [redacted] This letter is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 17, In your complaint, you state fees were paid through Turbo Tax, but the company (TPG) will not release the fundsTo give you some background information and help you appreciate our role in your complaint, we would like to explain TPG’s relationship with [redacted] BankTPG is a third party processor for the BankThrough this relationship, [redacted] is able to offer tax products which are sold through TPG through independent tax professionals and online tax preparation servicesThe product you have used through TPG, called a “Refund Transfer”, allowed you to pay for your tax software and tax preparation fees directly out of your tax refundThis saved you the difficulty of paying these fees upfront to your tax preparer or Software CompanyOn January 30, 2017, TPG received your electronic filing record from TurboTax.comThis means that you used TurboTax.com to prepare your own tax return and you elected to utilize a Refund Transfer to pay your software feesTPG received the data file and no monies were transferredAccording to our records, as of February 23, 2017, funds have not been received by the IRSAccording to the IRS, taxpayers can generally expect refunds to be issued in less than days after the electronic return was acceptedOf course, certain factors can cause delays to taxpayer refunds which are out of the control of Tax Products GroupFor example, if your return contains Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC), the IRS will not issue your tax refund before February 15th, which means you should expect your deposit the week of February 27thRest assured that using a Refund Transfer does not delay the deposit of your tax refundWe are here to help and want you to get your refund as quickly as possibleTo keep you informed about the status of your refund payment, please use the following tools, which are updated in real time: • Please utilize the “Where’s My Refund” tool at the IRS to check on the status of your refund - https://www.irs.gov/refunds or by calling them directly at 800-829-• Please log into your TPG account on our website to get up-to-date information about your Refund Transfer filing Additional information is available through our help center and automated phone centerWe encourage you to read about possible payment delays in more detail by viewing the IRS website at https://www.irs.gov/individuals/refund-timingIf you have any questions or concerns, please do not hesitate to contact TPG directly at 877-908-7228, Monday through Friday, 7:am to 4:pmSincerely, [redacted] Compliance Analyst

Dear Mr***, This is in response to your complaint filed a***t Santa Barbara Tax Products Group (TPG) through the Revdex.com on August 11, Your complaint stated that you filed your taxes on January 20, and the IRS approved your refund on May 20, Your refund was sent to TPG on June 14, Your complaint stated that because of the amount of time it took for your identification to be verified, the IRS debited your account for processing feesYou claimed TPG deducted $in fees and is still holding onto your refundOn July 27, 2016, TPG informed you that your return was sent back to the IRS and explained it would take weeks for your return to be deposited into your accountYou claimed that TPG was collecting interest while holding your refundTo address your complaint while still protecting your identity, we have written you a detailed letter with specific information related to your accountOur letter outlines the timeline of events and referenced specific dollar amountsTo respond to your Revdex.com complaint, we still summarize the events, but please reference the letter we sent you for additional details.On January 20, 2016, TPG received your electronic filing record from Turbo TaxThis means that you used tax software to prepare your own tax return and you elected to utilize a Refund Transfer to pay your software feesTPG received the data file and no monies were transferredOn June 14, 2016, your refund was approved by the IRS and payment was made to TPGTPG deposited your refund into the account number you provided, but the deposit was rejected by your bank because it was deemed as an “R02: Account Closed”Due to certain fraud filters, your transaction was placed on hold in a non-interest bearing account.On March 23, 2016, TPG auto debited your personal account to collect the outstanding Turbo Tax user fees as agreed upon during the preparation of your tax return The auto debit was also rejected by your bank You requested that TPG update your account to reflect your new account number and addressTPG explained we were unable to process that request as it is a***t TPG policy and advised you to have your mail forwarded to your new addressTPG sent your refund as a Cashier’s Check to the address listed on your accountUnfortunately, your check was sent back to TPG as “undeliverable”On August 3, 2016, your refund was returned to the IRS because TPG could not proceed any further in our efforts due to two (2) failed attempts to deposit your refund: 1) to the designated account and 2) to the address on recordPlease allow 10-weeks for the IRS to process your refundPlease contact a tax advocate in your state for more information regarding your refund at 954-423-7677.Please understand that with the heightened fraud in the tax industry, we are required to set up procedures to protect our clients from identity theftWe understand your frustration and apologize for any inconvenience that you may have experiencedIf you have any questions or concerns, please feel free to contact TPG at 877-908-7228, Monday through Friday, 7am to 4pm.Sincerely, [redacted] Compliance Analyst

February 24, [redacted] Dear Ms [redacted] , This is in response to your complaint against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 16, Your complaint stated that you filed your taxes on January but since then have not received your refundYou had contacted TPG on February to find more information about your refund and why it was initially rejected Upon review of your record, a Refund Transfer (RT) was chosen when your taxes were prepared through [redacted] *** On February 9, the IRS funded your federal return; fees were deducted to pay your [redacted] user fees and an additional Bank processing fee for the RTThe balance was deposited to the account instructed on the [redacted] Refund Processing Agreement Your financial institution rejected the funds and declared the account an R03/ “No Account/Unable to locate account” You may contact your financial institution and provide them with trace number: [redacted] for further details regarding the rejection of fundsThe funds were returned to TPG on February 11, If a taxpayer enters a bank account that will not accept the refund deposit, the transaction is rejected by the receiving bank Often times this occurs because the taxpayer has entered incorrect bank account information or the account is closedIn these cases the receiving bank “rejects” the transaction, and returns the funds to the sender, in this case TPGTPG has nothing to do with incorrect account information entered by the taxpayer or the receiving bank’s decision to reject the fundsOnce TPG receives the rejected refund, the company has the option of making another attempt to disburse funds to the customer or simply returning the funds to the IRS TPG was able to verify your information and release the hold on your accountOn February 20, TPG issued a check for your refund and mailed it to your address on recordPlease allow up to days for the check to reach your address Sincerely, [redacted] Compliance Analyst