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H&R Block H&r promised us an instant loan and then denied it the next day. We bought insurance for piece of mind and they did not honor their word. Ripoff Kayenta Arizona
We have filed taxes with H&R Block for many years and have trusted what they do with our taxes and how they prepare them. We always pay the piece of mind guarantee that pretects us in case there is a mistake on our tax forms and we are overpaid or underpaid due to error on their part. This year when we filed we were told that we would get our RAL in two days as usual but when we went to get it they said we were declined due to poor credit. As it turns out we were not declined for poor credit we were declined because the IRS said there was an offset on our state taxes. Keep in mind that H&R block has done our taxes for years.We trusted them and paid the extra for the piece of mind guarantee. When it came down to it they lied to us and said it was bad credit and not human error due to taxes we filed with them. We waited the two weeks that they said it would take for the refund and waited paitently still anware that there was a mistake in our past filing the prior year.Finally we checked our status with the IRS and found that a deposit was made for the full amount of our taxes that we had coming and there evidently was a mistake but did not change the amount we would be paying or recieving. Even though the deposit was made to the H&R bank we were told that the abnk does not release the direct deposits until the following week making it all together a 3 wk wait for what we paid two days plus the piece of mind guarantee that we have purchased every year since filing with H&R Block. One way they are doing this is by using the Household bank which is not a bank that they subcontract with but own, making this a conflict of interest and H&R a monopoly business supporting all of its own infastucture and giving them complete control. You would think that this could be a good thing for when mistakes are made they have the control over their own business to rectify the wrong but they instead use it to hide behind. It is hard to get a main phone # to call when there is a problem and even when you happen to get throught they are not about consumer satisfaction, even though you pay for it! They tell you the rules that they have predetermined not considering your individual case, and than they dismiss you as the problem. I have paid them thousands of dollars over the years and still I am not a valued customer. They will still try to decieve me to get the business through lies about the reason I was declined for the loan in the first place because they were the ones that made the initial mistake causing the denial and they did not want to fix their own mistake. Is that the piece of mind I paid for?
Michelle
Monument Valley, Utah
U.S.A.
1 Updates & Rebuttals
Joseph
New Orleans,Louisiana,
U.S.A.
You misunderstand the POM
#2UPDATE Employee
Sat, February 10, 2007
I'm sorry you and problems with the RAL, but I don't believe you completely understnad the Peace of Mind.
Block does not guarantee the RAL. The decision on whether is solely the responsibility of HSBC (Houselhold Bank). The Block preparer has no knowledge of your credit worthiness, nor do they have access to those records.
If there is a debt owed to the state or other government entity, there is no way the preparer can know. For example, if you owed state tax, and never paid it, then only you and the state would know.
Being turned down for the RAL is not a function of the POM, which only covers errors by Block discovered by the IRS. It does not cover RAL decisions, and in fact, only becomes effective after the end of the tax filing deadline (April 17, this year). If you discovered a mistake and reported it to Block in March (for example), then there is time for a correction to be made before the deadline, and the POM would not apply. Report the same error on April 18, and the guarnatee applies. Its all a matter of timing.