Complaint Review: H & R Block Bank HSBC

Nancy McGuire has returned the outstanding debt of $718.91 due to the fact for whatever reason the credits reporting companies did not have this debt reported. Nancy McGuire said that it was reported in October 2000. I would to thank Nancy for her time in this matter.

Thank you HSBC for doing the right thing

Nancy McGuire has returned the outstanding debt of $718.91 due to the fact for whatever reason the credits reporting companies did not have this debt reported. Nancy McGuire said that it was reported in October 2000. I would to thank Nancy for her time in this matter.

Thank you HSBC for doing the right thing

Nancy McGuire has returned the outstanding debt of $718.91 due to the fact for whatever reason the credits reporting companies did not have this debt reported. Nancy McGuire said that it was reported in October 2000. I would to thank Nancy for her time in this matter.

Thank you HSBC for doing the right thing

Nancy McGuire has returned the outstanding debt of $718.91 due to the fact for whatever reason the credits reporting companies did not have this debt reported. Nancy McGuire said that it was reported in October 2000. I would to thank Nancy for her time in this matter.

Thank you HSBC for doing the right thing

thank you Nikki

1)Do I want it on my credit report the answer is no I do not. If it was put on my credit report It would have been paid this debt is over 8 years.

2)Did I receive funds for 2004-2005?
I have not received anything yet do not know what will happen to those refunds (H&R Block did those also)

Also, does HSBC have the outstanding debt against you,
previous posted info
Tamara informed us that this was due to an earned income credit that was not applied to our 1999 return $641.95
HSBC as an outstanding debt of $718.91 against us from 1999.

I'll call the IRS today but the website said I should receive the refund no later than may 8
I be receiving refunds for 2004-2005 dunno when they coming.

Did you receive refunds on your 2004 & 2005 taxes? If you didn't, you may not have known about your offset. If you did receive refunds, then the IRS goofed and hadn't set up the offset yet. In addition, H&R Block would not have had to find out about any offsets if you didn't get one.

What may have happened is this. In 1999, something was filed incorrectly which caused IRS to refund you too much money. It sometimes can take them up to 3 years to realize it, or they may have realized it within the 1st year. They may have sent you a letter telling you that you owe them back the money, but it went to your old address. They usually give a certain time period to dispute the monies owed. When you didn't answer, or pay, they assumed you agree you owe them back the money. They probably just waited until you got a refund, then kept the money.

If I were you, I would not keep asking why it's not on your credit report, or they may put it on as an IRS debt which is what you DON'T want.

Also, does HSBC have the outstanding debt against you, or does the IRS? HSBC wouldn't have an outstanding debt against you if it had to do with earned income credit, unless they are collecting for the IRS.

There is also a chance that the IRS goofed and you don't really owe them the money. They did that to me last year because, I think, the efile did not send every page and they were missing one. When I got the letter from IRS that I owed the money, I sent them the proper page in my tax packet and they accepted that and replied that I do not owe them any money.

H&R Block usually calls the offset line to see if your refund is being offset by any amount before they agree to your rapid refund. That may be why they offered the 48 hr one, because they heard there was an offset, but needed to investigate (they should have told you). Or, they just offered the 48 hr one because the refund was over a certain amount. I believe there is something in your paperwork from H&R Block stating that your rapid refund will be denied if there is any offset.

You can call the IRS directly to see if there are any offsets against your refund and why.

thank you guys for your help I'm sure number 2 is the right one but should it have gone on a credit report? or maybe under our ssn# in there systems? It was the same bank different name they change it and I only know that because Darrie Hollmon told me that.

ok ok the debt from 1999 We would have paid if I knew about. We had our house refinanced in 2006 the lender had checks made out to all outstanding debtors they would have got a check too. If H&R Block Bank (HSBC) had disclosed this debt. Just for the record Darrie Hollmon said I DO NOT KNOW WHY IT IS NOT ON THE REPORT (referring to credits reports) hmmmmm the help I need is what to do about being mislead. If my wife and I owe this debt consider it paid but 8 years go by and we leave H&R Block without any knowledge of this. We did move in 1999 which I did tell Darrie Hollmon & Nancy McGuire .

I really enjoy being lied too, Nancy McGuire at tax payers recovery said she would call me back but did she nope I guess friday was golf day who knows why people lie, I guess it takes one to know one soooo I'm stumped there. I will be forwarding all this information to her bosses maybe they will know why she lied.

The only thing I got from H&R Block was a letter saying due to an outstanding debt we will not be able to issue the loan that you applied for, lets see 2007 minus 1999 is 8 years my first written notice and it did not state what the outstanding debt was, we thought that was up to par.

Oh I forgot to mention Charles from the local H&R Block office he called twice and he seemed really concerned about our situation he was not going to provided any finical services, IRA ROTHS 401K and such. We both felt really bad about this. The only guy from H&R Block that calls How funny is that (hey Charles why don't you call George and Kelly their getting a hefy refund...could be an easy commission.) He spoke to Kelly on Wednesday Kelly told him to call me on Saturday and like clock work he called back yes Nancy Mcguire he pick up that phone pushed those digits and we spoke, it was amazing stuff don't worry Nancy we only spoke about what Charles needs were and that was it.

so if any could help me I would greatly need some.

I will pay this outstanding debt too

hate to be lied to
Do these people at H&R Block really care?

I would ask for a debt validation as it seems everyone is just guessing. How can anyone just take monies without validation unless (see #2)......

Number two, they way this is written out, it almost seems as if there is a judgment and garnishment in place that you are not aware of.

IRS state that my refund should arrive may 8th
HSBC provided us with a 48 hour loan.
on the Truth in lending act disclosure statement line 4 (Amount paid for prior year items owed to H&R Block......$0.00)

at H&R Block we filed 2004,2005,2006

there are no problems with the IRS or this Outstanding Debt.

the problem is H&R Block did
A) should have notify of this debt when we were at H&R Block but they did not
B) should have put this outstanding debt on our credit reports but did not
C) should have deny us the RAL but they did I the loan agreement and disclosure statment


ok so if this is all true what can I do to repair my credit (went and spent some monies I thought I had coming to me 2 days ago)

Nancy M the boss of Darrie said that she could charge off the $718.91 debt but that does not help my me now. Just want the balance of the refund to go on the H&R block emerald green card and pay these bills.

some please tell me I should not count my chickens before they hatch cuz when we went to H&R Block in 1999 those chicken did hatch.

I do not think that it is fair that my wife and I were mislead like this (ok sign this for your 48 loan....wife calls up and HSBC says well you owe this outstanding debt....if we were notify at the office we could have add that debt to line 3 or 4 in the Truth in lending act disclosure statement or just held back and use our monies for our bills not for gifts for the grandchildren or school

I hope you are not confused anymore everyone thinks this about a dispute about the outstanding debt but it is not This is about being mislead

I am confused. If the money being withheld came from a 1999 return, and is affecting a 2006 return, then something doesn't make sense.

The IRS will only go back three years to audit a return (unless fraud is involved, then there is no time limit), and a 1999 return is 7 years old. I suspect that the EIC was denied in 1999, and you never took any steps to repay monies that were owed from that time. I'll bet this is not something new or that you were not aware of, but rather you knew of the EIC overpayment (for whatever reason) and ignored it.

There is a possibility that you did owe money from the 1999 return, and had at some time established a repayment plan with the IRS, and that you have never fully complied with their repayment schedule. Then the issue of an audit over 3 years old would not be germaine.

If that is not the case, then the reason must lie somewhere else, such as from a 2005 return, which would seem much more logical. In any event, you should have recieved your refund, minus whatever was withheld to satisfy a prior debt. The question should probably be "What was the reason for money withheld? Who withheld it?"

Based on your complaint, I would suspect the problem lies in monies owed last year to HSBC bank rather than the IRS. The IRS would contact you via mail to try to obtain payment for monies owed. I am not sure how HSBC contacts you.

I would call the IRS directly and see if something did happen on their end that caused this. At least then you'd have an answer, even if it's not a wonderful one to hear. Their toll-free number is 1-800-829-1040, Monday through Friday. Pretty late hours, I called them in the evening.

It definitely does sound like the IRS reduced your refund by the $718.91. I'm speculating, based on what H&R Block said, that it may be for an earned income credit that was TAKEN by you on your 1999 taxes that they have since disallowed.

The IRS does 'review' your taxes when they are filed electronically. I did mine online and the tax program made it clear that my refund was in a 'pending' status until the IRS sent an electronic approval of the tax return I submitted.

If this IS the case, that you had an EIC in 1999 that the IRS is now disallowing, and reducing your refund by that amount, definitely not confident that the customer service rep would've comprehended this is what happened.

Again, I'm just speculating, but that would be a valid reason by the IRS to reduce a refund.

I'm wondering if the reason you didn't get the 48 hour payment is possibly BECAUSE the IRS may have specifically reviewed your tax return? Again, if that is a reason, the Cust. Svc. Rep. certainly should have been able to explain all this to you.

I hope you get answers very shortly, and your refund!

An earned income credit is a refund of money not a charge.

And HSBC should not know ANYTHING about your taxes or status of taxes. All they get is an authorization from the IRS, stating if they are releasing or holding any refund.

An earned income credit is a refund of money not a charge.

And HSBC should not know ANYTHING about your taxes or status of taxes. All they get is an authorization from the IRS, stating if they are releasing or holding any refund.

An earned income credit is a refund of money not a charge.

And HSBC should not know ANYTHING about your taxes or status of taxes. All they get is an authorization from the IRS, stating if they are releasing or holding any refund.

HSBC doesn't collect on unpaid taxes. They wouldn't even know that you owed. I am betting that what they said was that your return had been reduced by the amount you owed. This isn't any reflection on the bank, or H&R Block, for that matter.