BBB Accredited Business since

Blackhawk Network, Inc.

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Phone: (925) 226-9990 View Additional Phone Numbers 6220 Stoneridge Mall Rd, Pleasanton, CA 94588 View Additional Email Addresses http://www.blackhawknetwork.com


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Description

Blackhawk Network Holdings, Inc. offers a prepaid and payments network, which supports the distribution of gift cards, prepaid telecom products and financial service products across a global network.


BBB Accreditation

A BBB Accredited Business since

BBB has determined that Blackhawk Network, Inc. meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

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Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that affect the rating for Blackhawk Network, Inc. include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 708 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

708 complaints closed with BBB in last 3 years | 238 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 32
Billing/Collection Issues 92
Delivery Issues 31
Guarantee/Warranty Issues 68
Problems with Product/Service 485
Total Closed Complaints 708

Customer Reviews Summary Read customer reviews

25 Customer Reviews on Blackhawk Network, Inc.
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 25
Total Customer Reviews 25

Additional Information

BBB file opened: January 09, 2009 Business started: 06/12/2001 Business started locally: 06/12/2001 Business incorporated 07/14/2003 in AZ
Type of Entity

Corporation

Business Management
Ms. Heidi Lyttle, Manager Lucy Gutierrez, Manager Ms. Teri Llach, CMO Ms. Alexia Oswald, Public Relations Mr. Bill Tauscher, CEO Ms. Lisa Wong, Director, Customer Service
Contact Information
Principal: Ms. Heidi Lyttle, Manager
Number of Employees

900

Business Category

Internet Marketing Services Online Retailer Credit Cards & Plans

Service Area
Nationwide
Alternate Business Names
Cardlab Gift Card Mall Gift Card Mall.com GiftCards.com Go Wallet Omnicard Pay Power Visa PayPower
Products & Services

www.giftcardmall.com


Customer Review Rating plus BBB Rating Summary

Blackhawk Network, Inc. has received 0 out of 5 stars based on 0 Customer Reviews and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Additional Locations

  • 5918 Stoneridge Mall Rd

    Pleasanton, CA 94588

  • 6220 Stoneridge Mall Rd

    Pleasanton, CA 94588 (925) 226-9990 (888) 633-9432 (888) 633-9445 (877) 781-5159

  • THIS LOCATION IS NOT BBB ACCREDITED

    2801 - 3300 Bloor St W

    Etobicoke, ON M8X 2

  • THIS LOCATION IS NOT BBB ACCREDITED

    550 - 170 Attwell Dr

    Etobicoke, ON M9W 5

  • THIS LOCATION IS NOT BBB ACCREDITED

    16650 Westgrove Dr
    Ste 500

    Addison, TX 75001

  • THIS LOCATION IS NOT BBB ACCREDITED

    16650 Westgrove Dr Ste 500

    Addison, TX 75001

  • THIS LOCATION IS NOT BBB ACCREDITED

    10615 Professional Cir Ste 102

    Reno, NV 89521

X

BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

9/23/2016 Billing/Collection Issues
9/23/2016 Problems with Product/Service
9/21/2016 Problems with Product/Service
9/20/2016 Problems with Product/Service
9/18/2016 Problems with Product/Service
9/16/2016 Problems with Product/Service | Complaint Details Unavailable
9/8/2016 Problems with Product/Service
9/8/2016 Problems with Product/Service
9/8/2016 Problems with Product/Service
9/6/2016 Delivery Issues | Complaint Details Unavailable
9/3/2016 Problems with Product/Service
9/3/2016 Problems with Product/Service
9/3/2016 Delivery Issues
9/3/2016 Problems with Product/Service
8/26/2016 Problems with Product/Service
8/23/2016 Problems with Product/Service
8/22/2016 Delivery Issues
8/17/2016 Billing/Collection Issues
8/4/2016 Problems with Product/Service
7/28/2016 Problems with Product/Service
7/27/2016 Problems with Product/Service
7/23/2016 Problems with Product/Service
7/21/2016 Problems with Product/Service | Complaint Details Unavailable
7/15/2016 Problems with Product/Service
6/28/2016 Problems with Product/Service
6/25/2016 Problems with Product/Service
6/24/2016 Problems with Product/Service
6/23/2016 Problems with Product/Service
6/18/2016 Problems with Product/Service
6/17/2016 Advertising/Sales Issues
6/15/2016 Problems with Product/Service
6/8/2016 Billing/Collection Issues
6/4/2016 Advertising/Sales Issues
6/4/2016 Delivery Issues
6/4/2016 Problems with Product/Service
5/31/2016 Delivery Issues
5/31/2016 Problems with Product/Service
5/28/2016 Problems with Product/Service
5/25/2016 Problems with Product/Service
5/23/2016 Problems with Product/Service
5/20/2016 Delivery Issues
5/18/2016 Billing/Collection Issues
5/18/2016 Delivery Issues
5/18/2016 Problems with Product/Service
5/18/2016 Delivery Issues
5/17/2016 Billing/Collection Issues
5/13/2016 Guarantee/Warranty Issues
5/13/2016 Problems with Product/Service
5/13/2016 Problems with Product/Service
5/13/2016 Problems with Product/Service
5/13/2016 Problems with Product/Service
5/13/2016 Problems with Product/Service
5/12/2016 Problems with Product/Service
5/11/2016 Problems with Product/Service
5/7/2016 Problems with Product/Service
5/7/2016 Problems with Product/Service
5/7/2016 Problems with Product/Service
5/5/2016 Billing/Collection Issues
4/30/2016 Problems with Product/Service
4/27/2016 Problems with Product/Service
4/23/2016 Problems with Product/Service
4/23/2016 Problems with Product/Service
4/23/2016 Guarantee/Warranty Issues
4/23/2016 Problems with Product/Service
4/20/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Spoke with several agents and supervisors and each of them gave different information and ultimately each one lied and gave false information. On Feb. 27th I called to update my mailing address and request a new card. I was under the impression that it was taken care of. I called again a few days later to ask a question about my direct deposit and confirm my card was ordered with correct address and all. At that point all seemed well. I called a few days after that to check the balance of my account and was told that the address I was supposed to have the card sent to was not the one on file. So I got escalated to a supervisor and was told that it was correct and I'd receive my card in 7 - 10 business days. Today is the 10th day and it didn't arrive so I called back and was told that it was sent to the incorrect address and that his agent made a mistake and input it incorrectly. He said he for sure had it corrected and said they will send me another but I am going out of town tomorrow and that it was their fault so they should compensate for the mistake. They stated 3 - 5 business days was the soonest and there were no other options. I let them know I'd give them a call back if I wanted that option. So I had to call back 3 time because they kept hanging up on me. Finally, I was able to speak with someone and she stated that my address STILL had not been corrected even though the supervisor guaranteed that the issue was remedied. So, once again, she stated that she changed my address and sent another card. We will see if it actually arrives or not.

Desired Settlement: I feel a reasonable resolution would be for the company to overnight me a new card because it was due to the agent error. The supervisor even admitted that they made a big mistake and that they should have been trained how to handle this situation properly.

Business Response:

 

 

 

VIA BBB WEBSITE

 

            April 8, 2016

 

Better Business Bureau

Complaint Case: ********

 

RE: A**** *******

 

Dear *** ***********

 

On March 15, 2016, Blackhawk Network, Inc. (“Blackhawk”) received a complaint from ***** ******* with respect to a replacement for her T-Mobile Visa Prepaid Card.  Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank.

 

On February 27, 2016, *** ******* contacted us to report her card as lost/stolen.  We shipped a replacement card via standard delivery that same day.  It normally takes 7-10 business days for the card to be delivered.  On March 11, 2016, *** ******* contacted customer service to request a replacement card since she never received the original card that was sent.  A replacement card was expedited to her at no charge due to the inconvenience.  She was informed that it normally takes 3-5 business days for delivery. 

 

On March 16, 2016, *** ******* received her card and has since used her card to make purchases at retail locations and to withdraw funds at ATMs without any further issues.  Since it took a total of 13 business days for *** ******* to receive her card, we have reversed fees on *** ***** account for a total credit of $44.  We apologize for any delay or inconvenience that *** ******* may have experienced.

 

Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions.

 

Best Regards,

 

***** ******

Blackhawk Network

Customer Service Specialist

****, NV 89511

************************

**************************

 

 

4/20/2016 Advertising/Sales Issues | Complaint Details Unavailable
4/14/2016 Guarantee/Warranty Issues | Complaint Details Unavailable
4/11/2016 Problems with Product/Service | Complaint Details Unavailable
4/11/2016 Problems with Product/Service | Complaint Details Unavailable
4/9/2016 Problems with Product/Service
4/9/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I went to **** ***** on 2/18/16 store **** ************ to purchase 2 reload net spend cards 500time2 you have go on line at ************** and put the money in a safe own by Blackhawk network but it is a scam when they get the money in what they call a safe it never let you put the money on any card I was told the that web need to be fix I was lie to and ask for my money back I sent every they need and have not sent me my 1000.oo it is a scam and want my money now everyday they tell lie to Product_Or_Service: 2 redoad cards

Desired Settlement: DesiredSettlementID: Refund refund my 1000.00 now

Business Response: VIA BBB WEBSITE

March 24, 2016

Better Business Bureau
Complaint Case: ********

RE: ******* *** ******

Dear *** ***********

On March 1, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* *** ****** with respect to two Reloadit Packs. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack.

On February 18, 2016, **. ****** purchased two Reloadit Packs and associated $500 to each. Unfortunately, **. ****** had difficulty applying the Packs to her prepaid card via **************** because her prepaid card was not compatible with the Reloadit product. On February 20, 2016, **. ****** contacted us to request a refund. It usually takes 30 business days for a customer to receive a refund check.

We apologize for any inconvenience or delay that **. ****** may have experienced. We processed a refund for the full amount of her Reloadit Packs. The check was cashed on March 16, 2016.

Since **. ****** has received her refund, we now consider this matter to be resolved. Please, reach out to us with any further questions.

Best Regards,

***** ******
Blackhawk Network
Customer Service Specialist
***** ** *****
************************
**************************
(Response - ******** - ********** * ************

4/9/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Ordered gift cards November 30, 2015. Still have not received the gift cards. Ordered gift cards November, 2015. $60 iTunes cards. Paid with Visa. They were lost in shipping. Notified my credit card company of this issue. I was told January 31, 2016 cards would be reissued. I could expect to see shipment 7-10 business days. Still do not have gift cards. E-mail correspondence keeps apologizing. Need resolution. All correspondence has been via e-mail. ADDITIONAL DETAILS: Case is being handled by another organization: Gift Card Mall

Desired Settlement: I would like to have the cards delivered and in my possession by February 4, 2016.

Business Response: VIA BBB WEBSITE

March 23, 2016

Better Business Bureau
Complaint Case: ********

RE: ******* ******

Dear *** ***********

On February 26, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to three iTunes eGift cards that she ordered through *******. Blackhawk fulfills these orders for *******.

On November 30, 2015, *** ****** placed an order online through ******* for three iTunes eGift cards. The order was returned as undeliverable mail. Since we are unable to reprint the iTunes cards for *** ******, we have refunded ******* for the order. We have also contacted them regarding this refund so that they could initiate the refund to *** ******. If *** ****** has not already received the refund, then she would need to reach out to ******* as they are the payment processor for her order

We apologize for any delay or inconvenience that *** ****** may have experienced.

Since the refund has been processed on our end, we consider this matter to be closed. Please, reach out with any further questions.

Best Regards,

***** ******
Blackhawk Network
Customer Service Specialist
***** ** *****
************************
**************************
(Response - ******** - ********** * ************

4/9/2016 Problems with Product/Service | Complaint Details Unavailable
4/9/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: My 11 card order that I placed on 3/1/16 was canceled. Ordered the same way we have for over 3 years with them. We have ordered gift cards almost every month for over 3 years with them. A flashy "design your own card" came up and I thought oh I will put my logo there this time instead of ordering selected print like my partner has done over the past years. I went through and order 11 cards designing them, adding all 11 peoples names and address to send them to. Then I wrote a card to each one that was specific to the reason for giving them the card to only find out the next day that my 1.5 hours of time was for nothing and wasted. Yes there is a corp. order section but we are not a corp. company. We are a small "mom & pop" business that owns several single condos and we lease them out. I called them this morning to be told that my account with them has been deleted and I will receive a refund in 1-15 days. Well that is my debit card to my checking account and now I can not order new cards to give to these 11 people until I get my refund. I also emailed each person yesterday giving them the details of their card so they can watch for it in the mail (something we have always done) now to find out I have to email them all to let them know that this company failed on their end and I have to wait for my money back in order to go buy an non personal gift card from a local store. Here are the order numbers. ******************** ************************************************************ ******************** ******************** ******************** ******************** ******************** ******************** ******************** ******************** ******************** *******************. I was told if I hadn't designed my own card with our logo on it the orders would have went through just fine as always. I told the CSR on the phone that they should take their design your own card today ad off of their site as it is false advertising and has created time loss for me as well as aggravation and head ache.

Desired Settlement: Please take your design your own card and upload what you would like on your card from your site if do not allow it after the fact. This has been time consuming and a big disappointment to me now that I have to let my residents know that the confirmation emails that I sent to them are now canceled and I have to figure something else out. Please concider changing your ad and sending me a gift card for all the troubles of this matter.

Business Response: VIA BBB WEBSITE

March 31, 2016

Better Business Bureau
Complaint Case: ********

RE: ****** *****

Dear *** ***********

On March 4, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to eleven orders placed on *******************. This website is operated by Blackhawk.

On March 1, 2016, *** ***** placed eleven orders on ******************* for personalized Visa Gift cards. There is an option on the website that allows one to choose a custom Visa card. Once someone clicks on that option from the homepage of the website, one is directed to a page that allows the customer to upload an image. On that page where a photo is uploaded it states the following:

If you are using a company logo or other copyright material please use our Corporate site to design your image. We can only accept personal images on ****************

A link is actually attached to the word "Corporate" to direct customers to our Incentive CardLab site in the event that a company logo or copyrighted material is being used.

We apologize for any misunderstanding or inconvenience that *** ***** may have experienced. On March 5, 2016, *** ***** did replace all eleven orders through ************************* All orders were shipped with no further issues.

Accordingly, we consider this matter closed. Please, reach out to us with any further questions.

Best Regards,

***** ******
Blackhawk Network
Customer Service Specialist
***** ** *****
************************
**************************
(Response - ******** - ********** * ***********

4/9/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: A gift card was purchased from their sister company ************* on 6-6-15 for ** *** in the Amount of 103.29 as the card is worth 129.57.When you click on the link to retrieve the Ecode to get the gift card electronic code it advises the code is from their partner site **********. To access your eGift card click here. When I clicked there and accessed my account with ****** the gift card is not there. The Egift card is on the ************* website but does not give out the card number with the pin it continues to say I need to get that information from ******. I called ************* they advised they cannot help me because the number for the egift card is a ****** number ***************). I called ****** agents 4 days in a row 2/27-3-1 to try to rectify this situation. All of their agents advise I need to call *************. When I call them the same agents answer. I then talked to an agent named ****** from ****** who would not let me talk to a supervisor after 15 minutes of requesting one. He continuously stated there was none available. I stated I would wait and I am requested to talk to a supervisor above him regarding this since after 4 days no documentation of my calls have been made and both companies the same person is answering. I am requesting a refund for my purchase or my gift card back or a credit. I will no longer do business with either company as this is not this first time this has happened with the ****** company gift cards. Order_Number: ********************

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like a refund asap and a call from a manager.

Business Response: VIA BBB WEBSITE

March 31, 2016

Better Business Bureau
Complaint Case: ********

RE* ******* ******

Dear *** ***********

On March 4, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ****** with respect to an order she placed on *****************. This website is operated by Blackhawk Network, Inc.

We apologize for any inconvenience or confusion that *** ****** may have experienced with our customer service department. ************* and **** ** are no longer affiliated with one another as ************* is now a part of Blackhawk and **** ** is not. This may have attributed to the poor customer service that *** ****** experienced.

We have reached out to *** ****** and have provided her with the ** **** egift code and PIN. She should be able to use it without any further issues if she has not already done so.

Accordingly, we consider this matter to be resolved. Please, reach out to us with any further questions.

Best Regards,

***** ******
Blackhawk Network
Customer Service Specialist
***** ** *****
************************
**************************
(Response - ******** - ********** * ************

4/9/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: Visa giftcard for $50 not working I purchased a $50 gift card for my son for Christmas and after activating it found it was not working. We contacted the number provided on the call and they assured us it would work. After again attempting to use it and being declined we called again and they offered to issue a new card.I received the new card weeks later and when I called to activate it got an automated message saying "your card is not activated, return to the place of purchase." I contacted customer service and asked for a refund, and they advised I would need the initial receipt for the card, which I do not have as I disposed of this card when the new card was issued. I was told they would have to review the claim, even though they indicated that their records showed that the card had never been used and had a balance. I asked if it could just be activated and they told me they would need to create a new case to review and that this could take days to weeks to decide. I went online and looked at reviews for gift card mall, and see that hundreds of people have provided reviews with similar issues, and have been unable to use the gift cards they spend their money on. I believe this company may be a scam designed to take people's money and hold it for protracted times to gain interest, this is fraudulent and reprehensible. Gifts should bring joy not hassle- this company is terrible and has terrible customer service. I would like my $50 back, but also desire a closer level of scrutiny for this company that is bilking people out of hard earned and well intentioned spending on gifts,

Desired Settlement: I would like the business to issue a prompt refund to my address of the $50.

Business Response:
VIA BBB WEBSITE

March 31, 2016

Better Business Bureau
Complaint Case: ********

RE: ********* ******

Dear Ms. Buenrostro,

On March 8, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ****** with respect to the activation of a Visa Gift card. Blackhawk is the program manager for these cards on behalf of the issuer, *********

On January 3, 2016, *** ****** contacted us to request a replacement for a damaged card. At that time, the card was registered to *** ****** and a replacement card was issued. Upon receipt of the new card, several attempts were made to use it prior to activation. This caused a block to be placed on this card as a fraud prevention measure. Since the card was blocked, *** ****** was unable to activate it.

On March 8, 2016, the card was unblocked. We reached out to *** ****** to inform her of this and provided instructions on activating the card. *** ****** confirmed that she was able to successfully activate the card. The card is now active and ready for use and may be used anywhere in the U.S. that Visa debit is accepted. We apologize for any delay or inconvenience that *** ****** and her son may have experienced.

Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions.

Best Regards,

***** ******
Blackhawk Network
Customer Service Specialist
***** ** *****
************************
**************************
(Response - ******** - ********** * ************

4/9/2016 Problems with Product/Service
4/7/2016 Guarantee/Warranty Issues
4/6/2016 Problems with Product/Service
4/5/2016 Billing/Collection Issues
4/5/2016 Problems with Product/Service
4/1/2016 Billing/Collection Issues
4/1/2016 Problems with Product/Service
3/31/2016 Advertising/Sales Issues
3/28/2016 Problems with Product/Service
3/22/2016 Problems with Product/Service
3/21/2016 Problems with Product/Service
3/17/2016 Problems with Product/Service
3/15/2016 Problems with Product/Service
3/15/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: I purchased a $100 PayPower Prepaid Visa TravelMoney Card ending in **** on 11/1/14. Loaded money on it, fraudulent charges were made, no refund. I purchased a $100 PayPower Prepaid Visa TravelMoney Card ending in **** on 11/1/14. I loaded the card with money multiple times and used the card multiple times over the month of November. On November 2, 2014, there was a fraudulent charge made for $500 plus I was charged a $10 foreign transaction fee. This transaction was listed as "************** FLEXPAY". Then, again on November 3, 2014, another fraudulent charge made for $500 plus I was charged a $10 foreign transaction fee. This transaction was listed as "************** FLEXPAY". My account was then closed and permanently locked due to fraudulent charges. On November 30, 2014, I received two $500 credit transactions from the company I am assuming is called Flexpay, and the funds were added back to my PayPower card account ending in ****. These two credits were titled "************** FLEXPAY" and "************** FLEXPAY". I called PayPower and requested that since my account was permanently closed that they refund me the balance of my account and they refused to do so and said it was against their policy and there was nothing they could do about it. They were very rude to me and would not listen to my explanation. I even escalated the issue to a supervisor and still got nowhere. I was stuck with a $1,000 balance on my card and they were refusing to refund me the $1,000.

Desired Settlement: I am requesting that the $1,000 balance that was in my account on November 30, 2014 be refunded to me. My current account balance is $934.55 because I have been charged a monthly maintenance fee of $5.95 every single month since my account was closed in November of 2014. I am requesting that the full $1,000 is refunded to me and that I am not charged the monthly maintenance fees that I have been charged. To conclude, I am looking for a full $1,000 settlement to be refunded to me.

Business Response: Initial Business Response /* (1000, 10, 2016/02/24) */ VIA BBB WEBSITE February 24, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. **********: On February 2, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to his PayPower Visa TravelMoney Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On November 10, 2014, Mr. ******'s account was blocked and subsequently closed due to suspicious transactions. We received an alert from the issuing bank advising us of these transactions. Per the Cardholder Agreement: 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 July 24, 2015, Mr. ****** contacted us regarding the status of his account. We requested various documents to verify his identity. Mr. ****** did provide the requested documentation; however, we are unable to reopen a closed account. We did reverse all of the monthly maintenance fees that had accrued during the time that Mr. ******'s account was not accessible to him. On February 10, 2015, a check for the full amount of $1000 was issued to Mr. ****** at the address to which the account was registered. Mr. ****** should receive the check very soon if he has not already done so. The check **** arrive in a "postcard" style format. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

3/14/2016 Problems with Product/Service | Read Complaint Details
X

Additional Notes

Complaint: purchased gift card, was shorted on what i paid for Purchased a $50.00 gift card from Lowe's in Albany, NY The Visa Gift card on the front says NO FEE's After purchase.. 6 hours later after purchase. I went to use it and they said it had only 41.67 on the card. I paid the $4.95 fee at purchased for the card.. Why wasn't $50.00 on the sealed card.

Desired Settlement: Either refund me they money I didn't receive. Or send me a gift with the correct amount

Business Response: Initial Business Response /* (1000, 10, 2016/02/24) */ February 24, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ******* Dear Ms. *********** On February 3, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ******* with respect to the balance on her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On January 29, 2016, Ms. ******* purchased a $50 Visa Gift card. That day, she used it at a restaurant, but was told that there was only $41.67 available on the card. This is due to the gratuity allowance that is set at this establishment. Although the card had a $50 balance, the restaurant personnel could not charge the full amount in order to ensure that funds were available in the event the Ms. ******* 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 $8.33. We contacted Ms. ******* and explained this to her. Ms. ******* has since spent the entire balance of the card with no further issues. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

3/14/2016 Problems with Product/Service
3/11/2016 Delivery Issues
3/10/2016 Problems with Product/Service
3/10/2016 Problems with Product/Service
3/10/2016 Problems with Product/Service
3/8/2016 Billing/Collection Issues
3/8/2016 Billing/Collection Issues
3/8/2016 Problems with Product/Service
3/8/2016 Problems with Product/Service
3/4/2016 Problems with Product/Service
2/26/2016 Problems with Product/Service
2/23/2016 Problems with Product/Service
2/22/2016 Problems with Product/Service
2/22/2016 Problems with Product/Service
2/22/2016 Problems with Product/Service
2/22/2016 Guarantee/Warranty Issues
2/19/2016 Problems with Product/Service
2/18/2016 Guarantee/Warranty Issues
2/17/2016 Problems with Product/Service | Read Complaint Details
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Complaint: In June 2015 I submitted two rebate requests for Midland radio products. The rebates are not being processed. I waited for my rebates, then called have tried for two months and many calls to the rebate processing center to get two rebates submitted last June to be fulfilled. The rebate tracking code is XXXXXXXXX. Since October I have been promised it would be escalated and re-processed. The representatives have said the all the information I submitted was complete and accurate and that it was mis-processed originally. I have been patient and looked for a professional resolution to this. From what I've seen online, this has been a common problem with Midland rebates and Blackhawk/rewardscentral.com.

Desired Settlement: I have called the customer hotline for Blackhawk's 'rewardscentral' website that processes the rebates for Midland radio. I've have called them 5-6 times since late October, each time being promised it would be fixed in 'two more weeks..', with no results. Midland Radio has been contacted and has not responded in electronically. When I called their helpline I was transferred and put on hold for nearly 15 minutes when my call was completely dropped. I have engaged the radio seller via Amazon.com who is aware and directed me back to the rebate center. The rebates were submitted in June of 2015. The rebate processing center acknowledged they have ALL the required information and forms, they simply miscoded it.

Business Response: Initial Business Response /* (1000, 5, 2016/01/29) */ VIA BBB WEBSITE January 29, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: *** ***** Dear Ms. *********** On January 15, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from *** ***** with respect to rebates that he was supposed to receive as part of a consumer promotion. Blackhawk's affiliate, Blackhawk Engagement Solutions, manages the program that fulfills these consumer rebates. We apologize for any inconvenience or delay that Mr. ***** may have experienced. A rebate check in the amount of $30 was issued to the customer on January 12, 2016. Mr. ***** should have received it by now. Accordingly, we consider this matter resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

2/16/2016 Problems with Product/Service
2/12/2016 Problems with Product/Service
2/12/2016 Billing/Collection Issues
2/12/2016 Problems with Product/Service
2/11/2016 Billing/Collection Issues | Read Complaint Details
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Complaint: Attempted to use Reloadit Service to put money on debit card. Money would not load. Requested money back on 11/19/15. Have yet to receive money. On 11/19/15, requested money back after trying to use Reloadit Services for 2 days and the money would not load to my debit card. Was told it would take 30 days to receive my $300. After 30 days, called back. Was told request was not processed and would expedite which would take 7 to 10 days. Called back on 12/30/15. Told because of holidays **** not be receiving money until 1/23/16. Could not explain why money had not been sent yet despite request being made prior to holidays. Gave several excuses to include having to get the process started as it was not previously done. 4 1/2 calls were made to Reloadit that day because the customer service representatives kept changing there stories regarding my money. On the 3rd call, asked to speak to a supervisor. ***** came to the phone and also reasoned the money was not returned due to the holidays but could not explain why this would be the case when the request was made in November 2015. When asked for the company's address in order to report concerns to better business bureau, she gave the 800 number to Reloadit. When I persisted, she hung up in my face. When I called back and asked to speak to *****, I was placed on hold for over 10 minutes. As I began dialing Reloadit from another phone while placed on hold, ***** finally came to the phone. She had a different accent, but was friendlier. I had to ask her to spell the address she provided because I did not understand her. Reloadit has very shady practices to include the representatives lying to you to get you off the phone, trying to make you think you don't know what you are talking about, and failing to provide information when requested.

Desired Settlement: I want my money back. They know they owe it to me, and it should not take 60 days when THEY indicated 30 days.

Business Response: Initial Business Response /* (1000, 8, 2016/01/25) */ VIA BBB WEBSITE January 26, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. **********, On January 8, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from **** ***** with respect to a refund for a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., issues the Reloadit Pack. On November 18, 2015, Ms. ***** purchased a Reloadit Pack and associated $300 to it. Ms. ***** states that she experienced difficulties applying the Pack to her prepaid card. She attempted to load the Pack to a prepaid card several times, but the loads were rejected by the card company and the funds reversed back to the Pack. On November 19, 2015, Ms. ***** contacted us and requested a refund for her Reloadit Pack. It generally takes 30 business days for a refund check to be received. A check was supposed to be issued on January 7, 2016, but a technical issue prevented it from being sent. The check was successfully reissued on January 26, 2016. The customer should receive it in 7-10 business days. It **** arrive in a "postcard" style format. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

2/11/2016 Problems with Product/Service
2/11/2016 Problems with Product/Service | Read Complaint Details
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Complaint: website issues, horrible customer service, product not explained properly. I bought a paypower reloadable visa card and later a reloadit card to add money to it. I bought the paypower card and used it right away, for an online purchase, with no problems. They sent me a permanent card with my name on it within a few weeks. Today, I went and bought a reloadit card to add funds to my account. I needed to use the card immediately. It was an emergency situation. I didn't have trouble the first time so I didn't expect any problems. I went online to load the money on my card and the website was down for maintenance. (apparently, after reading other complaints, this happens often. The phone number given on the back of the card wasn't working either, it said they were down for maintenance as well. I was screwed. A few hours later I tried again. This time the website worked. I was able to set my account up but I wasn't able to immediately add my money to my card. They had to verify my card first. I searched everywhere on their site for help. I wanted to know how long it would take to be verified. Absolutely no where on the website did it say anything about the card needing to be verified in the first place or how long that would take or that funds wouldn't immediately be available. Once again, that left me screwed. I decided to call customer service to get answers. I first tried the number on the back of the card. It did not work, wasn't in service. Then I tried every number listed on their website. Again, none of them would work. I started to get extremely nervous and decided to look them up on bbb. I found many other complaints. The bbb had numbers listed for customer service so I tried those. FINALLY, I was able to get a hold of the company. A man answered and asked me for the number on the back of my card. There was no number but he insisted there was. He was able to look me up by name. I then asked him how long it would take for my card to be verified and that I needed my money immediately. He told me, "As you know it can take 3 to 4 hours to verify the card after reloading it for the first time. I told him I DIDN'T KNOW and was upset because I have used other prepaid cards before and the funds were always immediately available. No where on the card (when I bought it) or on the website does it say that it takes a while for you to actually use the card and access your money. I think it should be explained better. He didn't reply. Then I told him that all the numbers on the website wouldn't work and that I had to find it from the bbb. He said that he thought it was due to the website being down for maintenance earlier that day (which doesn't explain why the number on the back of the card didn't work either). I continued to tell him that I was nervous about this company because of the reviews I read and that website being down seemed to be a common complaint. I explained that I needed a card where I can be sure my money is safe and that I can immediately access it. Instead of reassuring me that they were a good company and that my money would be safe, he said "I'm sorry, can I do anything else to help you?" I wasn't sure whether to laugh or cry. I trusted this company with a lot of my hard earned money. I ended up nervously laughing and said, "I guess not" and hung up. My plan is to pray the card **** be verified and that the money **** be on it soon. I **** go to an atm and take out every penny and throw the card away. I would not recommend buying anything from this company.

Desired Settlement: I mostly want others to know what they are getting before they buy it. I would like the company to explain somewhere that the money you give them may not be immediately available. The card says that using your reloadit pack is easy by signing up with an email address. Then it says to put it into your reload it safe and use your money to pay bills, etc. It doesn't say anything about how long it takes for you to access your money. It is very different from other prepaid cards and others may buy it expecting to use their money right away like other competing cards. I'd love to hear from the company that my money is actually safe and that I am not going to have problems often with their website or phone not working. That is a big deal when they have my money.

Business Response: Initial Business Response /* (1000, 5, 2016/01/26) */ VIA BBB WEBSITE January 26, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. **********, On January 13, 2016, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ******** with respect to applying funds from her Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com . Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On January 11, 2016, Ms. ******** purchased a Reloadit Pack which she placed in her Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a brief waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a brief card validation period for each new prepaid card that is added to the safe. On January 11, 2016, Ms. ******** created a safe and added a Reloadit Pack and prepaid card. She was unable to access her funds immediately due to our security features that are in place to protect our customers from fraud, but after the card validation period expired, Ms. ******** was able to successfully load her prepaid card. We apologize for any inconvenience, but these measures are necessary to protect our customers from fraud. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

2/11/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I ordered an ecard on 11-20, they billed me on 11-22, never were able to fulfill order. I have made several calls since ordering to get refund. On XX-XX-XX I submitted an order for 3 e-gift cards. Within 24 hrs I received emails, I was able to print two of them but the third would not download. I called several times receiving promises of getting a new email, a telephone call, etc. It took about a month after sitting on hold for sometimes 20 mins for them to figure out the vendor no longer was part of their gift card program. I was told a credit would be submitted. I believed a credit would process about as quickly as the billing which happened in two calendar days. Each week I would call to find out why my credit card was not credited and why I was not receiving any email or phone call to tell me status as promised the call the week before. Either the manager that submitted the credit was not available or I was given a bogus answer about a credit being submitted and I would be receiving an email or phone call. I waited for the 10-15 day period to pass, I was told on X-XX-XX it was submitted on 1-6-16 and it would be 3-5 business days. Today 1-18-16, I was told it would be 10-15 days again. They could not tell me why they were able to **** me within two calendar days but they cannot credit me for 2 months. I fear without making a complaint, I **** never see my $50 refund. My ticket with them is XXXXXXX.

Desired Settlement: $50 refund to my credit card.

Business Response: Initial Business Response /* (1000, 9, 2016/02/10) */ VIA BBB WEBSITE February 10, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *********** On January 20, 2016, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to a Catherine's egift card that was ordered via the website http://giftcards.kroger.com. This website is operated by Blackhawk. On November 20, 2015, Ms. ****** placed an order for three egift cards. She received the cards, but was unable to redeem the Catherine's egift that she received. On January 20, 2016, we refunded Ms. ****** for this card, since she was unable to use it. We apologize for any inconvenience or delay that Ms. ****** may have experienced. Accordingly, we consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 11, 2016/02/11) */ I have received my refund. Good luck getting a response as they have absolutely no concerns. They owe me several promised responses.

2/10/2016 Billing/Collection Issues
2/9/2016 Problems with Product/Service
2/5/2016 Advertising/Sales Issues
2/3/2016 Problems with Product/Service
2/3/2016 Problems with Product/Service
2/3/2016 Problems with Product/Service
2/3/2016 Problems with Product/Service
2/1/2016 Problems with Product/Service
1/26/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I placed an order that was never received. The company charged my credit card. I cannot get in touch with Customer Service after multiple attempts. I tried to order two giftcards from this organization. I received an order confirmation and my credit card was charged. However, I never received the order. I also never received a notification indicating that the order had shipped. I made several attempts to contact the company to check on the status of the order and/or to receive a refund. I sat on hold for more than 3 hours. I spoke to a person twice, who placed me on hold each time, with no one returning to answer my call. I emailed the company. I sent Facebook and Twitter messages. NO ONE ANSWERS. But, my credit card was charged!

Desired Settlement: I would like a refund of the $150 I was charged.

Business Response: Initial Business Response /* (1000, 5, 2016/01/08) */ VIA BBB WEBSITE January 8, 2016 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ******** Dear Ms. *********** On December 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ******** with respect to two Safeway gift cards that were ordered via www.giftcardmall.com . This website is operated by Blackhawk. On December 11, 2015, Ms. ******** placed an order for one $50 and one $100 Safeway gift card. She chose to have the order shipped via USPS First Class Mail which generally takes 7-15 business days to be received. The cards were shipped on December 15, 2015. Ms. ******** should have received her order by now. We have reached out to Ms. ******** several times in order to confirm that she has received this order. Since Ms. ******** did not respond to us, we must assume that there are no further issues. We apologize for any delay or inconvenience that Ms. ******** may have experienced. Accordingly, we consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/25/2016 Problems with Product/Service
1/22/2016 Problems with Product/Service
1/22/2016 Problems with Product/Service
1/22/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Made a purchase of gift cards in early December for give as gifts. Requested a refund as some of them were not needed. On about 12/4/15 I purchased 4 gift cards from Blackhawk Network. There were for $75 each and one was for $150. I then found out that I only needed the $150 card. So I called up and requested the 3 cards valued at $75 each be cancelled and for me to be refunded on them. I was told by customer service that refund was in progress and would take 1-15 business days. It is well beyond that now, I've made two or three calls to customer service asking what the deal is. I'm not getting any answers lately.

Desired Settlement: I am due a refund back to my credit card used to order gift cards in the amount of $225 which I have yet to see. Invoice number on order was XXXXXXX-XXXX-XXXXXX Confirmation number for cancellation/refund is #XXXXXXX

Business Response: Final Consumer Response /* (2000, 6, 2016/01/22) */ Complaint can be cancelled. I received credit due me from them yesterday so I am all set now. Thank You

1/22/2016 Problems with Product/Service
1/21/2016 Guarantee/Warranty Issues
1/20/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I purchase this reload prepaid card on 10/19/2015 from Vons store to transfer money to Paypal of amount 150 dollar , when i go online to their website this company experience computer difficulty with in two days , so i call them (XXXX-XXX-XXXX) and the customer service is horrible , i ask for a full refund on 10/22/2015 this company tell me the send my money on the Nov X XXXX and have no got the refund so i can again on the NovX XXXX no respond of the refund , next day i call they stated that i **** receive on the dec X XXXX again no refund i tried of try of getting the round around. Help Product_Or_Service: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Refund and stop them from selling this product to store and get my refund please!

Business Response: Initial Business Response /* (1000, 8, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** J. **** Dear Ms. Buenrostro, On December 8, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** **** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On October 19, 2015, Ms. **** purchased a Reloadit Pack and associated $150 to it. Unfortunately, Ms. **** had difficulty applying the Pack to her prepaid card via www.reloadit.com because her prepaid card was not compatible with the Reloadit product. On October 23, 2015, Ms. **** contacted us and requested a refund. It generally takes 30 business days for a customer to receive a refund check in the mail. We apologize for any inconvenience or delay that Ms. Murray has experienced. We have confirmed that the check was received and cashed on December 9, 2015. As a result, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/20/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: This is with regard to the PayPower Reloadable Visa Prepaid Card issued by this company. I received the card as a gift and the information with the product indicated the card had to be activated before it could be used. I was aware that there were monthly services charges with this card so I was waiting to use it until such time as I would use up the entire amount on the card.The card was purchased for the amount of $150. By the time I found a purchase that I wanted to make for that amount and activated the card so that I could use it, the card was only worth $85.86. This was because the montly services fees associated with the prepaid card started the day the card was purchased.I believe that monthly service fees for the card should not have begun until the card was activated. In my mind this is an unfair business practice. A monthly service fee, regardless of whether or not the card is used, seems unreasonable to me. The company already claims a fee for every transaction on the card so why the monthly fee. However, this is nothing compared to the practice of the monthly service fee that is charged from the date the card is purchased (even though the card may not have been activated at that time. Product_Or_Service: PayPower Prepaid Visa Card

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Refund I would like the company to issue a credit for all the monthly services fees that were made against the card prior to my activating the card.I would also like to see some consumer protection in this regard to put an end to such a practice by all such companies.

Business Response: Initial Business Response /* (1000, 11, 2015/12/31) */ VIA BBB WEBSITE December 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** ****** Dear Ms. *********** On December 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ****** ****** with respect to his dissatisfaction with the fees associated with his Canada PayPower Prepaid Visa Card. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd., is the program manager for this card on behalf of the issuer, All Trans Financial Services Credit Union Ltd. Evidently, the person who purchased this card believed that a Visa gift card had been purchased. The Visa gift cards Blackhawk distributes do not include any post-purchase fees. The purchaser, however, did not purchase a Visa gift card. Instead, a general purpose reloadable debit "(GPR") card was purchased. These cards are not gift cards. They are for self-use and are often used as checking account substitutes. Like most GPR cards, the Canada PayPower Visa Prepaid card includes a monthly fee. That fee is clearly stated on the back of the package and in the cardholder agreement. The fees begin to accrue after the initial activation that occurs at the time of purchase. On December 9, 2015, we reversed the fees on Mr. Friends' card as a courtesy to him in the amount of $69.30. Since it has been quite some time since Mr. ****** used this account, we reissued a card to his address so that he could access these funds. It generally takes 7-10 business days for a customer to receive a replacement card. Mr. ****** should have received the card by now. He may use the card anywhere that Visa debit is accepted. We attempted to contact Mr. ****** to let him know that the replacement card was being issued. Unfortunately, the email address and phone number provided on the complaint are no longer valid. We apologize for any inconvenience or delay that Mr. ****** may have experienced. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/20/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I purchased a prepaid reload pack from this company when I bought the 300 reload pack they told me I have to call Into make the money go on the Visa card now that I'm calling in to put my money on my card they are telling me the money is gone and they don't know where it is I put this money one this card because I need to get something for my boys online it's not fair cause if I knew this was gonna happen I would of never did it I need my money cause that was the lasted little bit I had Product_Or_Service: PayPower reload card

Desired Settlement: DesiredSettlementID: Other (requires explanation) DesiredSettlementID: Refund Yes I would love my money back and I would say they should not be able to be a company that doesn't know what to do and there really rude

Business Response: Initial Business Response /* (1000, 10, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Dear Ms. *********** On December 9, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ********* with respect to a Canada PayPower Reload Pack. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd., manages these Packs on behalf of the issuer, All Trans Financial Services Credit Union Ltd. On February 25, 2015, Ms. ********* purchased a Canada PayPower Reload Pack and associated $300 to it. That same day, less than two hours after the Pack was purchased, the Pack was applied to a prepaid card. It appears that Ms. ********* was the victim of some sort of fraud. This appears to be the case because both the Pack PIN, which is hidden under the "scratch off", and the amount associated with the Pack must be known in order for the Pack to be redeemed. Either Ms. ********* provided the information to a fraudster or somehow made it available to someone. Ms. ********* contacted us later that day when she realized that she was unable to apply the Pack to her prepaid card. At that time, the Pack had already been applied to another card. On February 26, 2015, Ms. ********* contacted us and requested additional information. We advised Ms. ********* to file a police report regarding this matter. We explained that we **** assist law enforcement in their efforts to apprehend the perpetrators. Unfortunately, we are unable to provide a refund because the funds are not available. We regret that Ms. ********* was the victim of a fraud scheme. Accordingly, we consider this matter closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/19/2016 Problems with Product/Service | Read Complaint Details
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Complaint: GiftCardLab is Not providing ECARD Purchased. SCAM!!! About 4 days ago, I received A link for a card I purchased from GiftCardLab.com. The link in order to view the card, the link was broken. When I called support X-XXX-XXX-XXXX and spoke with a ***** S I was told they are having problems with the servers. He said it should be there shortly. Nothing came. When I called back I was told the card has to be reissued and it might take 3-4 days. Another link came to email the following day. Clicked the link same issue. Used several different browsers to ensure it was not on my end. Called again, now it was we are aware of the issue it is just taking time to get the cards. I asked to speak with technical support was told I cant. I asked to speak with another representative, or anybody who can assist was told only customer service who at this point and time cannot tell you when the card **** be sent. OK THIS A SCAM. I called multiple times and still no service to receive card.

Desired Settlement: I would like immediate refund for the card. The service is horrible, and I believe this company is nothing more than a SCAM.

Business Response: Initial Business Response /* (1000, 8, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *********** On December 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to an eGift that was ordered via www.giftcardmall.com . This website is operated by Blackhawk. We have reached out to Mr. ******** several times requesting further information so that we could assist him. Since Mr. ******** did not respond or provide any additional information, we must assume that there are no further issues. We apologize for any inconvenience or delay that Mr. ******** may have experienced. Accordingly, we consider this matter resolved unless we receive further information from Mr. ********. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/19/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Simply trying to activate a replacement gift card I received & they would not transfer to me a supervisor to get resolution 12-26-15...I tried 3 times to activate a replacement visa gift card and never was able to get done. When transferred to customer service they said only way to activate was by activation line which transferred me to them. Asked on two of my calls to speak with a supervisor, once was on hold for several minutes & then hung up on, seond time "******" would not send me to a supervisor even after I told him I needed to speak with someone regarding customer service...he then hung up on me. This has been horrible service and I'm simply trying to activate a Visa Gift Card I was given.

Desired Settlement: I either need this gift card activated or I need a replacement card that **** work

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

1/19/2016 Advertising/Sales Issues | Read Complaint Details
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Complaint: $20 pre-paid Visa card for Christmas, charges within 1 day. I received a $20 Visa card from my son for Christmas. (on the 25th of Dec.) I activated it on Dec 31st. I next day (Jan 1st 2016) I was charged a $5.95 for a monthly service charge. I never even used the card. This is outrageous ! The $20 was for me to use as a gift, not to line the pockets of some self serving business. If this isn't against the law, it sure should be. If i don't get satisfaction I **** take this further, no to mention the meme I **** produce and distribute about the Scam that Blackhawk and PayPower is spreading.

Desired Settlement: I want charges waved, and reimbursed.

Business Response: Final Consumer Response /* (2000, 9, 2016/01/19) */ This situation has been resolved. It was a one time one instance resolution. Money was refunded, and the $20 on the card has been used. However, this ruse continues. It is a Scam and should be looked into. They told me there is no way for anyone to get all their cash out of the card without a penalty. Thank you so much for your help.

1/19/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Request for refund for goods not delivered. On September 4th I place an order from a British company, the order was paid through paypal using my paypower credit card ending in ****. Since the order was coming from Britain I gave it the proper time period to allow for delivery of one month. I then contacted the vendor as nothing ever arrived and requested a tracking number and I was never provided one. On October 16 after receiving no feedback or tracking number from the vendor I disputed the charge with my credit card company (paypower). I filled out the requested dispute form and attached all supporting documents to aid the processing of my claim, I emailed to ************@bhnetwork.com as outlined in the dispute form. On Oct 20 I received letter requesting supporting documents to aid my claim, since I had included them in my original dispute email I called to confirm if they need something else. I spoke to a rep who hung up on me, second rep as well very rude and failed to provide or confirm my request for information. I made a final call and was told I need to send nothing else that my dispute was in hands of the complaints department and I would receive a check in 9 days. I advised I did not want a check just the funds placed back on my card. He advised they wanted me to use my money how I wanted and they would send a check. 9 days passed *** nothing arrived, I called back and was told about the letter. I advised I called and was told I needed to send nothing, the very rude rep advised that I needed to send the information once again and saw no record of my previous call. She provided ************@bhnetwork.com once again. On Nov 20th I called to confirm that they had received my documents, again same scenario nothing on record and no notes regarding my previous conversations. The rep was kind and advised she would take care of it, that I had not to worry and a supervisor from the dispute department would call me on the following Monday with an alternative fax or email to make sure they got the information. The Monday came and went and not call back, in fact no call at all. I reached out to ***** ****** a dispute manager who had sent me an email regard a previous dispute. I advised of the promised call and that I was going to be provided an alternative contact email, she provided ************@bhnetwork.com once again. I emailed her back advising that email does not work and I sent her the supporting documents. However as expected no reply, there is a 3 month dispute time frame in which you can dispute a charge with paypower I fear that this is the end game and they **** just tell me I do not have a case . I have contacted the vendor and they do not answer. I feel a victim of a scam, however paypower does nothing to aid its customers in getting their money back. I feel paypower aids scam companies and allows them to keep our money without delivering the product. (2) Business refuses to return funds within a reasonable time frame. On November 6, 2015 i purchased a $300 reload pack for my paypower credit card. I later went on to load my card through the app on line. However in error i loaded an old card that appeared on the drop down option in my card selection. I logged in to my paypower account via my pc to transfer the amount from the incorrect card to my active account. It gave me an error and message to contact customer service, I experienced what has to be the worst customer service i have ever received. First rep was rude and condescending , after i explained the issue she advised me that she needed to hang up as the call was to long and i was messing up her call metrics. She said she needed to hang up and call me back. 15 min later she called and advised i need to prove the transaction and transfered me to a supervisor named ***** (id she provided was XXXXX) in the risk department. ***** repeated herself 5 times and did not let me speak. She basically told me it was a cancelled card and i was to remove it from options. that i need to prove that i had purchased the reload pack and needed to wait a month for my refund. I advised i did not want a refund just for the funds to be transfered to the active credit card. ***** proceeded to repeat the previous statement 3 times. I tried to explained that i need the funds asap as they are for bills and medical costs, she refused to listen and gave me an email address to send the requested proof of purchase. The address provided was ************@bhnetwork.com, the case number she gave me INCXXXXXXX. I emailed immediately and it bounced, I tried both throught outlook and gmail same issue. I called back and got the same rep named ***** i had gotten before, i advised of the bounce and asked if there was another way. She placed me on hold for over 10 min came back and told me i could fax. And began repeating the same speach her supervisor ***** repeated. In the morning I went to Staples to fax the requested documents, i faxed X-XXX-XXX-XXXX which was the fax provided and it came back as the machine was not responding. I called and advised, the rep named ***** was helpful however advised all was correct. I waited a few hours and it went through, i called to confirm reception and the rep refused to help saying he could not tell me if they did nor they did not get the information. This is one of 3 issue i have had with paypower , however i cannot wait for 30 days for a refund. This matter is urgent, i have tried emailing the below emails for their corporate offices (listed on their website blackhawknetwork.com-however all have bounced. *********@blackhawk-net.com ******@blackhawk-net.com thank you for your help ***

Desired Settlement: DesiredSettlementID: Other (requires explanation) i request the amount of $165.10 billed by PR Consulting on September 4th be refunded in full to my credit card along with the amount of $15 for all the faxing and long distance calls placed to Paypower to have this issue resolved. (2) DesiredSettlementID: Other (requires explanation) I would like the funds to me transfered to my active credit card ending in 9977, if that is not possible then i want a refund within no later than 7 days.

Business Response: Initial Business Response /* (1000, 8, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** ***** **************** Dear Ms. *********** On December 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** Maria **************** with respect to an unauthorized transaction and transfer on her Canada PayPower Visa Prepaid Card. Blackhawk'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. ****************'s complaint pertains to a disputed transaction that posted to her account on September 4, 2015. Ms. **************** first contacted us to dispute the transaction on October 19, 2015. At that time the investigation began. It generally takes 45-90 days to resolve a dispute. On November 30, 2015, the dispute was resolved in Ms. ****************'s favor and a credit of $165.10 was credited to her account. Ms. **************** withdrew the majority of these funds via an ATM withdrawal on December 2, 2015. The second part of Ms. ****************'s complaint pertains to a $300 Canada PayPower Reload Pack that she mistakenly applied to a blocked account. On November 6, 2015, Ms. **************** purchased a Canada PayPower Reload Pack and associated $300 to it. That same day, she applied the Pack to her prepaid card that had been suspended the previous year. Ms. **************** immediately contacted us to request a refund for the $300. 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. **************** may have experienced. As a courtesy, we have reversed fees on her account in the amount of $17.55. Ms. **************** has already accessed these funds. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/19/2016 Advertising/Sales Issues | Read Complaint Details
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Complaint: My t-mobile prepaid debit card was closed by blackhawk without any notice and the remaining credit was not refunded for about 2 months. At Oct, 2015, Blackhawk closed my t-mobile pre-paid debit card(ending ****) without any notices. I still have $862.45 on my prepaid debit card. Since then I has been contacting blackhawk(XXXXXXXXXXX) for refund check. couple case number have been assigned, but none from blackhawk has contacted me about the refund check. each time i called customers services, the same response was given: please wait 3-4 business day, someone would contact you about the refund check and please call back 3-4 business day to check the status. I am so tired to deal such irresponsible company. I need BBB help me to get my money back.

Desired Settlement: I need blackhawk issue me the refund check with $862.45.

Business Response: Initial Business Response /* (1000, 5, 2015/12/29) */ VIA BBB WEBSITE December 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ** Dear Ms. *********** On December 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ** with respect to a refund for the remaining balance on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On October 23, 2015, our sponsor bank closed Mr. ***** account. The account was closed 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 money. This is often referred to as "points boosting". We have refunded the remaining balance on Mr. ***** account in the amount of $862.45. The refund was issued on December 24, 2015. It generally takes 7-10 business days for a customer to receive a refund check. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/18/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Visa incentive card lab declined funds for 2 purchases, but released the funds any way to merchant. Representative not **** or able to help me. Two separate incidents: I made contact with Visa card lab each time. #1 11/4/2015 - I tried to use the Visa incentive card for a $61.25 purchase, card ending in #****, declined. I found it odd, cause I knew I had at least $40.00 on the card. I contacted Visa cardlab right away, the representative informed me that the funds were being held, why? It was declined, no good explanation. He had no explanation I would have to work it out with the merchant. The merchant was confused cause there were no authorization. Visa incentive Representative said check in 10days, I checked the balance on-line at incentivecardlab.com a few days later the funds were gone, called 888.799.0028 a representative Visa card lab informed me that the funds were released to merchant. If this is correct then I over paid the merchant, I used my bank card for the entire purchase amount of $61.25 + the $40 which was declined. #2 11/15/15 - Total purchase $72.38, tried to use Visa incentive card, balance on card $45.25, card #****, declined. I used two more cards to cover the entire purchase. #**** $50 & #**** $22.38. When I returned home from shopping I called Visa incentive card lab to explain that I had a balance on my card, it was declined. The representative informed me that $45.25 was released to the merchant. I would have to take it up with them. This is a big box store on 11/16/15, spoke to the store manager she informed me that she didn't know how to help me because the corporate office deals with the bank settlements Again, this merchant received an additional $45.25. Trying to recover $95.00 These cards were issued to my husband as an incentive program for work. The follow-up and time I've spent on trying to recover the funds is very frustrating. I don't think this incentive program works well. Another issue I found is that some merchants don't accept these cards. You don't know until you swipe the card.

Desired Settlement: We like to recover the funds from incentivecardlab, why was the funds released to merchants, if the transaction was declined??? Is this a proper way of doing business? This has consumed a lot of my time and has frustrated me. If the funds were released to the merchants, why? Why should the merchants be responsible to give me back the funds? Please help us with this and we hope that others that have these cards don't go through what we have experienced.

Business Response: Initial Business Response /* (1000, 9, 2015/12/15) */ VIA BBB WEBSITE December 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *********** On November 24, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ******** with respect to cards received from Incentive CardLab, which is Blackhawk brand name. We apologize for any inconvenience Ms. ******** may have experienced. Ms. ******** obtained two Incentive CardLab Visa cards with $50 on each. The card ending in 5756 was used to make a $40 transaction on November 5, 2015 and a $7.48 transaction on November 6, 2015. This card has a remaining balance of $2.52. The other card ending in 5665 has a remaining balance of $45.25. This card was declined at a Petco location because it was ran for $72.38 which is more than the value of the card. This card was used to make a $4.75 transaction on November 15, 2015. Transactions only post to our cards when funds are requested and approved by a merchant. This means that the funds have been paid to the merchant. If Ms. ******** believes that she was overcharged by a merchant, then she must address and handle these issues directly with the merchant as stated in the cardholder agreement. We consider this matter to be closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/12/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't agree with Blackhawks decision. Again the transactions were declined, but they released the funds to the merchant. If this is how they operate, then fine. The company which we obtained these cards from did this as a promotion,my husbands dedication and hard work. I'll be sure they have a copy of this complaint & suggest that incentive cards not be used for the next promotion. Final Business Response /* (4000, 13, 2016/01/04) */ VIA BBB WEBSITE January 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Rebuttal Dear Ms. B*********, On December 23, 2015, Blackhawk Network Inc. ("Blackhawk") received a rebuttal from ***** ******** with respect to our response to her original complaint. We appreciate Ms. ********'s feedback and apologize for any inconvenience that she may have experienced. We consider this matter to be closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/18/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a Paypower card, they closed my account and **** not issue me a refund for the money I added to my account. I have been using a Paypower card for a while. When they added interac loading I started using that instead of the reloadit pack, and everything was fine with that. Then I went and purchased a reloadit pack on August 6th again because the amount I wanted to add ($500) was higher than the limit that is set for money added by interac. I received a strange error, something about the vendor not being authorized and to call them, but when I called paypower to inquire they assured me it was fine, it was just because I tried to add the funds to my account too quickly rather than waiting an hour or so, and that it would go through later. So I kept trying and it did eventually go through. I did not keep the reloadit pack because the money was added to my account successfully. I had a balance of $686.21 after adding the $500. Some of the purchases I had made before adding the reloadit money went through after I added the reloadit amount of $500. Then I tried to use my account to place an order week of aug 14 at a company (Canada post) that I had no trouble placing an order with in the past but it was denied even though I had plenty of money in my account. So I wrote to them August 15 to inquire. ****** wrote back, was very friendly and escalated it to their risk department so I could talk to them about them removing the security hold they had put on. I tried calling the 1866 number many times but the automated system told me my birthdate was incorrect (not true obviously, and I had no problems in the past so it must be because of the hold). eventually I got a call from their risk department saying I had to talk to interac because the bank had put a hold on the transfer?! So she transferred me to interac and interac said they had received a lot of calls from people with paypower cards that were erroneously sent to interac when in fact it was PAYPOWER who put the hold on funds and that they had the money. I wrote to them a bunch of times trying to get to the bottom of this but their customer service is very slow via email, and when you call the number your only other option other than to put your card number with birthdate (which wasn't working) is to "report your card lost or stolen". My card is neither, I was afraid if I selected that option that it would make matters worse. Anyway, after becoming more frustrated (with my dad having cancer I really wanted to use that money, MY money, for groceries etc!) and after having received an email Sept 4 that said: "In this case I am really sorry to tell you this but our Risk department determined that your account needed to be closed and there is no way for you to recover the funds that were available on the card, once again I am sorry for the inconvenience this might have caused, but in this case there is nothing that we can do, thank you for your understanding. Should you have any question, please reply this e-mail. Thank You, ***** R. PayPower Everyday" So I called right away, very upset and spoke with someone who could not help me, so I asked for a supervisor, who was very rude but gave me an email address I could send scans of my ID and a "Selfie", along with the store's copy of the receipt for when I purchased the reloadit pack (as I didn't keep mine) I have been patient. I got my bank to send them confirmation that the $122.50 was taken from my acct and sent to them. It looks like I might have received a partial refund for the amount I sent them by interac (122.50) but when I called today to inquire about my refund I was told they would not be refunding me at all. So maybe the refund was from something else? But that exact amount was deposited in my bank account Oct 2. I emailed them all my ID etc Sept 4th. They have the store's receipt and pictures of my ID, and of me. They also deducted $4.95 from my account August 18 and Sept 18 even thoug

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am seeking to be refunded the balance of money in my account plus the $4.95 they charged me twice when I had no access to my account.

Business Response: Initial Business Response /* (1000, 11, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********* Dear Ms. *********** On December 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ********* with respect to the closure of her Canada PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd. On August 11, 2015, Ms. *********'s account was blocked because of a suspicious transaction. We had received an alert from the issuing bank that this account had received a fraudulent transfer. Per the terms and conditions of Ms. *********'s card: We may, at any time, suspend your Card and/or your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. On August 21, 2015, we closed Ms. *********'s account. Since Ms. *********'s account has been associated with fraud, we **** not reopen the account. Ms. ********* has provided us with all of the requested documentation in order to verify her identity. We have received authorization from the issuing bank to refund the remaining balance on the account to Ms. *********. She should receive a check within 7-10 business days. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 14, 2016/01/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I am waiting on the refund. If I can I **** update this once I receive it. Its been 11 business days and they say it would take between 7-14. (the case **** be closed before the 14 days is up so I had to update early) Provided they are refunding me the full amount including the service charges that were deducted *after* my account was closed, I am satisfied with their response. I really think they should have told me from the beginning what the problem was so I could have contacted the issuing bank (which I couldn't find any information about on the paypower website) and resolved the problem, rather than telling me there was nothing they could do and all that money was irretrievable. I ended up extremely frustrated and stressed out over this (understatement), when I already had a lot to deal with. I hope that they **** change their business practices. Thank you BBB for your help in resolving this. If possible please keep this open a couple more weeks so I can update once I receive the refund.

1/14/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Purchase a Reloadit pack for my Univision card! Cant have acces to my money because their system shows "we are having technical dificulties! I been calling since Friday the 20th of November to have acces to my money "$500" they allways tell me the same thing.. Your case has been asign to second level department and they **** contact you with in 2 days! Its November 26 and today they told me Dicember the first! Never can be transfer to the second level department and never have answers as why my money cant be use! It is fruststiong and a disgracefull company practice!

Desired Settlement: My money back inmediatly, with in 24 hours

Business Response: Initial Business Response /* (1000, 10, 2015/12/24) */ VIA BBB WEBSITE December 24, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *********** On December 2, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ****** with respect to applying funds from his Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On November 20, 2015, Mr. ****** purchased a Reloadit Pack and associated $500 to it. Mr. ****** states that he experienced difficulties accessing the website in order to apply a Reloadit Pack to a prepaid card. Nevertheless, on December 1, 2015, the funds were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. ****** may have experienced. Since Mr. ******' money was successfully transferred from his Reloadit Pack to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/14/2016 Problems with Product/Service
1/12/2016 Problems with Product/Service
1/12/2016 Problems with Product/Service
1/12/2016 Problems with Product/Service
1/11/2016 Billing/Collection Issues
1/7/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased 4- 500 dollar paypower preload visa cards from Safeway I purchased the wrong card I am unable to get my refund back. On March 07-15 I purchased 4, 500 dollar preload visa cards from Canada Safeway, I realized I had purchased the wrong cards. On March 08-15 I went back to safeway, was told I needed to call the company (manager stated no refunds on gift cards although it says on the card "not a gift card)I called the toll free number and spent most of the day trying to activate the cards, i was told only 2 cards per person allowed.which safeway did not tell me that, I then asked for a full refund gave all my details including my socail insurance number and was told I would have to wait 20 business days..I waited 25 then called again and was told I needed to start another ticket number as they were having problems with their data, and someone would call me in the next 3 days..I waited 3 days called them again and was told my phone number was wrong and they were trying to get a hold of me I asked them to repeat my phone number to make sure it was right and was told for security reasons they could not..I was then told (on April 21st) I needed to copy my reciepts and cards, back and front and fax it to XXXX-XXXXXXXX I asked why I had not been told this in the first place and the clerk named ****** hung up on me..They put me on hold from 40mins to an hour when I call, I feel I 'm being scammed and getting a different excuse everytime I call..2.000 dollars is alot of money the staff do not know what the policies are..thank you for your assistance in advance **** *****.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like my money back and the 23 dollars I paid for the transaction,

Business Response: Initial Business Response /* (1000, 10, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *********** On December 18, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** with respect to four Canada PayPower Visa Prepaid Cards. Blackhawk'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. On March 9, 2015, Ms. ***** purchased four Canada PayPower Visa Prepaid Cards and loaded $500 to each. Unfortunately, Ms. ***** purchased the wrong product and was unable to return the cards to the place of purchase. On March 10, 2015, Ms. ***** contacted us to request a refund for all four cards. In order to process a refund, we do require documentation that verifies the purchaser. It generally takes 30 business days for a customer to receive a refund check. On May 6, 2015, Ms. ***** faxed us the necessary documentation. We processed the refund and issued the check on June 2, 2015. We have verified that the check was cashed on June 12, 2015. We apologize for any inconvenience or delay that Ms. ***** may have experienced. Since Ms. ***** did receive the funds associated with these cards, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 12, 2016/01/06) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Blackhawk has charged service fees and replacement card fees amounting to 20% of a gift card value. for a card that says "funds do not expire". I received a prepaid gift card for $150 as a service award. The front of the card says " funds do not expire". I placed the card in my desk and forgot about it. I pulled it out and planned to use it and noticed that the card had a past expiration date. I went on-line to check the funds and see about next steps given that the "funds do not expire". I found that they had charged a 'service fee' of >20% of the card value against the account. I called to inquire and they said the fee would stand because the card had expired and that a further $15 fee would be charged to send a replacement card. These fees would amount to nearly 30% of the card value all for doing nothing but holding the funds for over a year and then having to send a replacement card. I disputed this with them and yet they still refuse to waive these ridiculous fees stating that their policy is viewable on-line.

Desired Settlement: I would like a replacement card in the full amount of $150 given that "funds do not expire".

Business Response: Initial Business Response /* (1000, 10, 2015/11/23) */ VIA BBB WEBSITE November 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *********** On October 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to the expiration of a Visa-branded Reward Card ("Reward Card") and the associated post-expiration reissuance fees. Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards. This Reward Card was issued on January 23, 2014 for $150. The Reward Card was issued with the written terms and conditions. The Reward Card expires twelve months from the date of issue, which is indicated by the valid thru date on the face of the Reward Card. This applies to the physical, plastic card and not the funds. The funds may be accessed after the card expires. As this Reward Card was issued as part of a loyalty, award or promotional program, it is permitted to carry an expiration date under state and federal law. The federal Credit Card Accountability Responsibility and Disclosure Act ("CARD Act") includes an exemption from its limitations on expiration for prepaid cards issued pursuant to a loyalty, award or promotional program. Prepaid cards covered by this exemption are not sold to consumers, but rather awarded as part of a promotional program, such as the employee recognition program associated with this card. We make every effort to ensure cardholders are aware of card limitations. We clearly disclose the limitations in all Reward Card materials. Specific to the Reward Card you received, clear disclosures regarding the valid thru date are located on the Reward Card face in 10 point font, on the Reward Card back, on the front and back sides of the carrier attached to the Reward Card as well as the terms and conditions accompanying the Reward Card, by phone via our Customer Service number, and on the website that supports the Reward Card at the address found on the Reward Card back. The monthly maintenance fee that begins following expiration of the plastic is disclosed on the back of the Card, in compliance with the CARD Act regulations governing prepaid cards. Other fees, applicable to the Reward Card, including the post expiration replacement fee applicable when an expired Reward Card is reissued, are disclosed in the Reward Card terms and conditions, and appear on the back of the Reward Card carrier. It is our intent that our cardholders have a positive experience with the Reward Cards we issue and program manage, and we make the disclosures regarding the Reward Card limits clear and conspicuous to the recipient to promote this positive experience. Ms. ****** may request the remaining balance of her Reward Card be reissued, subject to the replacement fee, by calling the number listed on the back of her card. Accordingly, we consider this matter resolved at this time. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 12, 2015/11/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) Dear Ms. ******* The front of your card issured states in larger font than the expiration date that "funds do not expire". It is outrageous to demand the % that you do for reissuance of a card and for maintanence fees. Extactly what are your costs to 'maintain' said unused account for 1.5 years or to send another card by usps? What is your mark up on that? It seems to me that you count on people not using these cards in time so as to profit from these outsrageous fees. I would also maintain that your disclosures in the fine print materials mailed with the card are seldom read or retained and that instead people (like me) rely on your bold statement on the front of the physical card which states "funds do not expire". I can assure you that my experience with your comany has been far from positive and I **** never use your services for any furture business reward needs. Furthermore, I would ask why your company has not yet mailed out the replacement card for the remaining balance (remaining after your pound of flesh subtracted)? It has been sometime since I requested a reissuance. Final Business Response /* (4000, 14, 2015/12/15) */ VIA BBB WEBSITE December 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Rebuttal Dear Ms. *********** On December 1, 2015, Blackhawk received a rebuttal from ******* ****** with respect to our response to his original complaint. We apologize for any inconvenience or delay that Ms. ****** experienced. We had no record of Ms. ****** calling to request a replacement card. On December 11, 2015, we issued a replacement card and waived the reissuance fee as a courtesy. The card was sent via UPS and should be received 5-7 business days from the ship date. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 20, 2016/01/05) */ Ms. ****** from Blackhawk network kindly had a new card issued and although it was sent to our prior address it has now been passed ***** to me and I have been able to activate the card. The full amount of $150 was reinstated and I am now happy to consider this complaint resolved.

1/5/2016 Problems with Product/Service
1/5/2016 Guarantee/Warranty Issues
1/5/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: They never delivered the gift card I ordered until I called to deactivate it and get my money back. They still haven't refunded my money. I ordered a gift card for my niece. They never delivered it. I called in to cancel it and get a refund and they said it would take 7-14 days. It has now been 15 days since I canceled it and they said I should receive it by the 11th of December. They also finally sent out the gift card I ordered, the day after I canceled it, and they deactivated it the same day it was sent out. This started Oct. 19, I canceled it on November 19th. I paid by debit card. It was for $15.00.

Desired Settlement: I want my $15.00 back

Business Response: Initial Business Response /* (1000, 10, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** Dear Ms. *********** On December 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ****** with respect to a Aeropostale gift card that was ordered via www.giftcardmall.com . This website is operated by Blackhawk. On October 19, 2015, Ms. ****** placed an order for a $15 Aeropostale gift card. She chose to have the card shipped via USPS First Class Mail which generally takes 7-15 business days to be received. Unfortunately, there was an issue that caused this process to take longer than usual. On November 17, 2015, Ms. ****** contacted us to request since she had not received the card that she had ordered. We have refunded the total amount of the order back to the credit card Ms. ****** used to place the order. She should see the credit on her account very soon, if she has not already. We apologize for any inconvenience or delay that Ms. ****** may have experienced. Accordingly, we consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 12, 2016/01/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) This was resolved after going to my back to file a complaint and get my money back. They then went after the money for me. After many calls to this company and getting excuse after excuse and being lied to by 2 People, I finally got my money back. I feel if I hadn't gone to my back I would have never gotten a refund, based off of the lies and excuses I was getting from employees with this company. Worst experience ever! I **** never go through them again!

1/5/2016 Problems with Product/Service | Read Complaint Details
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Complaint: To the company" To **@bhnetwork.com ********@blackhawk-net.com ***************@bhnetwork.com Today at 1:44 PM I placed a order for 3 gift cards through Kroger , Gift Card Mall. I received 6 cards on two different orders through the website. I called and talked to ******* @ X-XXX-XXX-XXXX XX-XX-XXXX @ 1:30 pm. She was rude by asking, "Well, why didn't you call when you received them?" I just received them today. My mistake for not reading the second e-mail. The conformation emails came in back to back within seconds of each other, so naturally, I thought one was the conf and one was the receive by date. I have a ref# XXXXXXX with the company. ******* said it **** be escalated and probably by the 18th, I **** have a answer? She said all sales are final. I'm sorry, that is not acceptable. This double processing was not my fault and I **** contact my CC company for a block of funds and if it is not resolved with a money back resolution, I **** contact the Better Business Bureau. ************************************************************************************** I talked to Kroger as well and they said I had to go through the website customer service. Need to return Invoice XX XXXXX XXXX XXXXXX Order XXXXXXXX. Need to keep Invoice XX XXXXX XXXX XXXXXX Order XXXXXXXX. Product_Or_Service: gift cards

Desired Settlement: DesiredSettlementID: Billing Adjustment I want my credit card credited $121.47 and I **** gladly return the gift cards in which are still attached to the invoice. Need to return Invoice XX XXXXX XXXX XXXXXX Order XXXXXXXX. Need to keep Invoice XX XXXXX XXXX XXXXXX Order XXXXXXXX.

Business Response: Initial Business Response /* (1000, 5, 2015/12/29) */ VIA BBB WEBSITE December 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *********** On December 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******* with respect to a duplicate order that she placed through Kroger. Blackhawk fulfills these orders for Kroger through our online channel Gift Card Mall. On December 6, 2015, Ms. ******* placed two orders online through Kroger. Ms. ******* only intended on placing one order, but we received duplicate orders. Since Ms. ******* only needed one order, we refunded one of the orders (XX-XXXXX-XXXX-XXXXXX) on December 15, 2015. The credit should have already posted to the credit card Ms. ******* used to place her orders. We apologize for any inconvenience or delay that Ms. ******* experienced. Accordingly, we consider this matter to be resolved. Please, reach out with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2016/01/04) */ (The consumer indicated he/she ACCEPTED the response from the business.) ************@bhnetwork.com Where can I send the duplicate gift cards back to?

1/5/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I have asked for a credit back on my charge card which GiftCard.com said they would, but to date, they have not done so. On October 2, 2015, I purchased 2 gift cards for a total of $200 as Christmas gifts. Each card was worth $100. I found more personal gifts to give and decided to use the cards myself. I activated them, but when I attempted to use them, they were declined. I called the company, but the person wasn't sure what the problem was and said the billing address was not right. I had moved since then but my account information with my credit card company is updated. I was transferred to another individual, and placed on hold for several minutes. At that point, I requested a refund and several emails were exchanged from myself to GiftCardLab.com. They said the cards were liquidated and I would get my refund, but to date this has not happened. I filed a dispute with my Chase account and they are working to resolve it. I am very unhappy with this company and they keep giving me the run around while holding on to my $200, but yet in my email, I'm being told my credit card would be refunded. It's been several days since their representative said that, but they have done nothing.

Desired Settlement: I want my credit card refunded the $200 since the gift cards were liquidated by your company.

Business Response: Initial Business Response /* (1000, 11, 2015/12/29) */ VIA BBB WEBSITE December 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *********** On December 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to two Visa Gift cards that were ordered via www.giftcardmall.com . This website is operated by Blackhawk. On December 16, 2015, we refunded Ms. ***** for the order placed on October 8, 2015. We apologize for any inconvenience or delay that Ms. ***** may have experienced. Accordingly, we consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 13, 2016/01/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/5/2016 Billing/Collection Issues | Read Complaint Details
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Complaint: Account troubles I have a paypower account with blackhawk, and I recently did a transaction with a rent a car company with my prepaid card the rent a car company charged my card for a hundred dollars but was only supposed to charge it 30$ I called pay power and the rental place for seven days both kept saying there is nothing they can do meanwhile my account was in the negative for 97.11$ the messed up debit posted now I'm still in the negative for 25$ mind you my account was fine when all his started I just need my money back asap and I don't understand why I have o wait over a month to be this taken care or fit wasn't my faoult I want my money back now

Desired Settlement: A total refund of 100$

Business Response: Initial Business Response /* (1000, 5, 2015/12/30) */ VIA BBB WEBSITE December 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******* Dear Ms. *********** On December 18, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ******* with respect to an unauthorized transaction on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On December 14, 2015, a charge for $100 and a credit for $71.80 posted to Ms. *******'s account from a car rental company. This means that Ms. ******* was only charged a total of $28.20. On December 16, 2015, Ms ******* contacted us to dispute the $100 charge that had posted. The following day, a chargeback credit of $65.50 was credited to Ms. *******'s account since the car rental company had only authorized the transaction for $30, but had settled it for $100. This means that, Ms. ******* did not end up paying anything to this car rental company and has instead been credited a total of $37.30. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2016/01/05) */ (The consumer indicated he/she ACCEPTED the response from the business.)

1/4/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a Reloadit pack for 185.00 plus the 3.95 card fee from Save-A-Lot on 09/29/2015 to load on my prepaid card. Pack wouldnt load so I ask for a refund. I was asked to send in a picture of the front and the back for the Reloadit pack and the receipt from the store where i purchased it. I did so immediately. i was told in 30 days I would receive my refund. Well on the 30th day I received a call that I needed to send a picture of my myself holding my ID card and a picture of my SSN card. (didnt have to have any of this to purchase it). I sent this in on 10/29/2015. Its in my sent box but they claim to have never received it and claim they called me and I didnt return calls (all can be proven a lie by my call records) so I resend it and they tell me they have to open a new complaint and the clock is starting over so It **** be 30 more days before I receive my money. They have been extremely rude on EVERY call. If you search the internet its hundreds of complaints. This company is a scam. I just want my money back.

Desired Settlement: DesiredSettlementID: Refund I want my money back ASAP.

Business Response: Initial Business Response /* (1000, 11, 2015/12/15) */ VIA BBB WEBSITE December 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******* Dear Ms. **********, On November 20, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ******* with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On September 29, 2015, Mr. ******* purchased a Reloadit Pack and associated $185 to it. Unfortunately, Mr. ******* was unable to apply the Pack to a prepaid card, since it had been associated with another user's safe. Although Mr. ******* 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. ******* contacted customer service since he was unable to apply his Pack. He was informed that the Pack had been associated with a safe. Mr. ******* confirmed that the safe was not his. Mr. ******* requested a refund. We immediately blocked the Pack from use and requested that he send in documentation to verify him as the purchaser. It generally takes 30 business days from the time a refund request is approved for the customer to receive a check. The 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. ******* has experienced. We have processed a refund for the full amount of his Reloadit Pack. The check was issued on December 10, 2015. Mr. ******* should receive the check in 7-10 business days. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/4/2016 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a prepaid reload card of 30 dollars to be loaded into my metabank prepaid card. They asked me to go online to make a account the online website does not work. I have called customer service several times at the number X-XXX-XXX-XXXX, they have not solve the issue they keep sending me to the same website that does not work. Every time that I have called customer service its the same operator answering, which leads me to believe that this might be a scam since I cannot get my money back. Product_Or_Service: reload packet Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund Refund

Business Response: Initial Business Response /* (1000, 13, 2015/12/15) */ VIA BBB WEBSITE December 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ****** Dear Ms. **********, On November 26, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******** ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On November 13, 2015, Ms. ****** purchased a Reloadit Pack and associated $30 to it. Unfortunately, Ms. ****** was unable to access www.reloadit.com in order to create a safe and apply the Pack to a prepaid card. At this time, the online safe is the only way to load a Pack to a prepaid card. We apologize for any inconvenience or delay that Ms. ****** has experienced. We have processed a refund for the full amount of her Reloadit Pack including the purchase fee. She should receive it in 7-10 business days. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

1/4/2016 Problems with Product/Service | Read Complaint Details
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Complaint: Have repeatedly tried to order a replacement card for a lost pre-loaded debit card, over a period of 3 months; company is unable to send me a new card we ordered a Visa Buxx debit card for our teenage son. As happens with teenagers, he lost the card in July of 2015; the card had approximately $400 of pre-loaded value left. We contacted the customer service line to report the card lost in August 2015. I was told that his card would be cancelled and we would receive a new card in teh mail. After several weeks, I still had not received a new card so I called the "lost card service" again to inquire about the status of the new card. The customer service person gave me a new number to call since she did not have access to the status of the new card. The new phone number, however, was a non-working number. I called the original number back repeatedly times over the next two months and was given the same non-working number again and again. I insisted that the # did not work but none of the service reps or supervisors believed me. I finally convinced one customer rep to use his cellphone to call the number that he gave me, and he came back on the line and apologized. He said that he was submitting the issue to his supervisor and expected the situation to be fixed in a couple days. In the meantime, I found another number form the Visa Buxx website and talked to another service rep who was able to research my account. Although she had no record of the first 5 or 6 calls that I made, she did see that I had called repeatedly throughout the month of October and November. She informed me that they had been having issues with shipping replacement cards and would put a rush on my card. That was two weeks ago; still no new card. At this point, I believe that the company's behavior is more consistent with outright customer fraud, as opposed to corporate incompetence. My guess is that they expect that teens **** lose cards, and that if they simply fail to send replacement cards, then can pocket the pre-paid amounts. I have filed a fraud complaint with the NY State Consumer Protection. DO NOT DO BUSINESS WITH THIS COMPANY.

Desired Settlement: I either want my money back or a new card.

Business Response: Initial Business Response /* (1000, 16, 2015/12/17) */ VIA BBB WEBSITE December 17, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *********** On November 24, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a Visa Buxx Card. Blackhawk is the program manager for these cards under the brand name CardLab on behalf of the issuer, The Bancorp Bank. Mr. ***** ordered a Visa Buxx Card for his teenage son. He claims that he has requested multiple replacements of this card after the original had been lost. We do not why Mr. ***** did not receive the replacement cards that were issued to him. We have refunded the remaining card balance of $414.14 back to Mr. *****'s credit card that was used to order and load the Visa Buxx Card originally. This credit should be available to Mr. ***** at this time. We apologize for any inconvenience or delay that Mr. ***** experienced. Accordingly, we consider this matter to be closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/30/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I bought ebay gift cards worth $700 from giftcardmall on Sep 23, 2015. These gift cards are unusable. I bought ebay gift cards worth $700 from giftcardmall on Sep 23, 2015. ebay id XXXXXXXXXXXX. These gift cards did not have redemption code on them. I first contacted giftcard mall and they authorized me to return the cards. Then they emailed me to wait since they were trying to contact the vendor who supplied the card to them. I could not wait indefinitely so I complained to ebay and ebay authorized me to return the cards. At that point giftcardmall sent me redemption codes by e-mail. I checked the balance on these giftcards using phone and it showed the correct balance, so I closed the ebay complaint. When I tried to actually use these gift cards on ebay I get the message "This coupon code is not yet ready for use. Please try again later". I tried to reopen the ebay case but ebay cannot help me since I had closed their case myself. Clearly there is a big problem with these gift cards which has not yet been fully resolved by giftcardmall. Giftcardmall also understands this. However, they are not trying to help me. At the same time they continue to sell ebay gift cards. I **** happily accept replacement cards that work. I tired to open a case with paypal but paypal cannot help me with their purchase protection since prepaid cards are not covered. The gift cards still show the correct balance but are unusable.

Desired Settlement: Please replace these cards with ones that work. I am ready to mail you the unusable cards. If you are worried about me retaining the redemption codes please get the card redemption codes deactivated before sending me replacement cards

Business Response: Initial Business Response /* (1000, 11, 2015/12/11) */ VIA BBB WEBSITE December 11, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *********** On November 17, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ****** with respect to seven eBay gift cards that he ordered on eBay. Blackhawk fulfills these orders for eBay. On September 23, 2015, Mr. ****** placed an order on eBay for seven $100 eBay gift cards. The order was shipped on September 26, 2015 via UPS. According to the tracking, the order was delivered on October 2, 2015. Mr. ****** has stated that he was unable to redeem the gift cards even though we shipped them with full balances. We are still researching this claim and **** submit an updated response shortly. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/30/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Gift Card Mall approved my order, charged my Visa Debit Card, then proceeded to cancel my order via email with no explanation nor a promise to refund. On October 28, 2015 I purchased a Visa gift card through Gift Card Mall for the total amount of $200 plus $5.95 in fees for my father **** ********. The money was taken from my account and the order was approved, both via confirmation on the screen as well as with a confirmation email received shortly after. The next morning, October 29, 2015 I received an email from Gift Card mall asking me to alter the verbiage I used on the Card that was to be sent along with my gift card. I promptly replied to the email (within 15 minutes of receiving) and was told that my change was accepted. Just a few hours later I was shocked to see an email from the company saying my order had been cancelled. This was not done by me. Nowhere in the email did it say why the order was cancelled or when I might expect a refund of the $205.95 onto my debit card. I then called Gift Card Mall (X-XXX-XXX-XXXX) and was met by a gentleman who seemed extremely unenthusiastic or able to help in any way. He responded by saying they aren't told why orders are cancelled and simply to trust that the funds would be put back on my card. For a customer to spend money somewhere, to have funds taken out of their account, then have the service CANCELLED without any reasoning and NO promise to refund the money is completely inexcusable and I cannot fathom that a company with these standards is still in business. If I spend money somewhere I deserve to know why I am not getting the product or service I paid for, and I also deserve a straight answer as to when I **** be getting my money back. This is a shady organization masquerading as a trustworthy and secure company.

Desired Settlement: Firstly, I want this company to be held responsible for their horrendous business practices. A customer deserves a reason for why they aren't getting the product they were promised and charged for, and should also be told WHEN THEY CAN EXPECT THEIR REFUND. To not do both of these things is incredibly unnerving. I would also like to know when I **** see the $205.95 back on my card.

Business Response: Initial Business Response /* (1000, 18, 2015/12/14) */ VIA BBB WEBSITE December 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *********** On November 26, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ******** with respect to an order placed on www.giftcardmall.com . This website is operated by Blackhawk Network Inc. Blackhawk apologizes for any inconvenience Ms. ******** may have experienced. We have contacted Ms. ******** several times, but haven't received a response. We are unable to locate any order under her name. In order to assist her, we would need the order number and the name under which the order was placed. Unfortunately, we are unable to assist Ms. ******** in resolving this matter unless we receive this information. Accordingly, we **** consider this matter resolved unless further details are provided. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/30/2015 Problems with Product/Service
12/30/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Ordered card 10/23, immediate payment through debit card. 11/18 was told "it never shipped". Told "escalating" dept takes 2 days, refund up 15 days. I ordered a gift card on 10/23, and immediate payment was taken through my debit card. Called numerous times, finally told on 11/18 "it never shipped". The "escalating department" **** handle my refund, but it takes up to 2 days to hear back from them, and then a refund can take up to 15 days.

Desired Settlement: I would like my money back, with an apology.

Business Response: Initial Business Response /* (1000, 16, 2015/12/14) */ VIA BBB WEBSITE December 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *********** On November 26, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ***** with respect to an order placed on www.giftcardmall.com . This website is operated by Blackhawk Network Inc. Blackhawk sincerely apologizes for any inconvenience or delay Ms. Langford may have experienced. On October 24, 2015, Ms. ***** placed an order for a Jiffy Lube gift card. Unfortunately, Ms. ***** never received the card. On November 18, 2015, Ms. ***** contacted us to request a refund. The refund process can take 15 business days. A refund was completed on December 1, 2015. Since Ms. ***** has been refunded, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/29/2015 Problems with Product/Service
12/28/2015 Problems with Product/Service
12/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 1. Account Closed -without- my knowledge, without contact. 2. Money in account was not refunded. 3. C.S. had no interest in helping resolve issue. 1. My account was closed without my knowledge while I was abroad and relying on this service as my primary method of carrying funds. This ending up leaving me nearly stranded in a foreign airport without a way of getting home or paying for anything. 2. There was approximately XXX-XXX$ in my account. I have no way to access it, and they have apparently taken it. They have no interest in returning my funds, or in seeking to make any of this right. 3. I called their customer service, spoke to their representatives, and asked about everything. They were unable and unwilling to assist me. (Admittedly, after they told me that they were not willing/able to help, I got belligerent.) 4. I had to call VISA in order to figure anything out. Customer Service "Supervisor" was ***/**** ****

Desired Settlement: I want my money refunded. Further: I want their policy on account closures to include a phone call or email regarding supposed fradulent activity. Having an account close with no warning is terrifying, especially when you're not at home. NO ONE should have to go through that.

Business Response: Initial Business Response /* (1000, 9, 2015/12/04) */ VIA BBB WEBSITE December 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ********* Dear Ms. *********** On November 17, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ********* ********* with respect to a refund for the remaining balance on her PayPower Visa TravelMoney Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On September 10, 2015, Ms. *********'s account was closed by the issuing bank. Per the terms and conditions of Ms. *********'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. ********* contacted us to request a refund for the remaining balance on the card. On November 24, 2015, a check was issued to Ms. ********* for the full remaining balance of the card. It generally takes 7-10 business days for a customer to receive the check. Ms. ********* should receive the check soon if she has not already done so. We apologize for any inconvenience or delay that Ms. ********* experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Purposefully misleading card value and expiration date. Also, extreme issues in customer service. Last January our company purchased, in bulk, 330 $10.00 cards to give out through out the year to to our employees as a thank you. Last week, we pulled our 86 remaining cards to give out for Thanksgiving since the cards "show" that they expire 12/15. When doing this, we realized that DESPITE the card saying that it expires 12/15, that they begin to take out $4.95 per month starting on month 5. My assistant reached out to the company via email to get assistance and got nowhere. I then personally called the customer service line on the back of the card to get these secretly stated fees waived. When I reached customer service they stated there was nothing they could do. I asked why they would make a $10 card that stated it expired in 12/15 if the money would be taken away on 9/15. Why wouldn't the exp date then reflect the 09/15? This is purposely misleading. They were not able to come up with an answer. I then asked to speak to a supervisor and was told that I couldn't do that and would have to call a different number X-XXX-XXX-XXXX for Card Lab support. I called that number only hear not get a ring, but hear "we are sorry your call could not be completed". I called back into the customer number line on the back of the card. I got another rep who then gave me another number X-XXX-XXX-XXXX, for the support line. I received the same automated message that the call could not be completed. These were clearly fake numbers given to get unsatisfied customers off the line. So I called the number on the card again and demanded to speak to a supervisor. I was then placed on hold for 12 minutes. I hung up and called back, finally got to speak to a "supervisor" who said that there is nothing he could do and I had to call this "support line". I explained to him that both numbers he had just given me were not in service. He said that he would then transfer me himself. He then "transferred" me to a fax line. Despite them previously verifying that they had my name and contact info, I never received a call back. This company is clearly unethical and is set up in the fine print to scam people out of their money. We are a social services company with a tight budget that is now out over $500.00. These scammers need to be shut down!!

Desired Settlement: We deserve to be refunded the $511.70 for the remaining 86 cards. I would also hope that these types of company's would no longer be able to take advantage of customers with these fake expiration dates.

Business Response: Initial Business Response /* (1000, 16, 2015/12/15) */ VIA BBB WEBSITE December 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *********** On November 24, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ****** with respect to 86 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 discount. Ms. ******' company purchased 330 $10 gift cards. Per the terms and conditions of these cards, there is a fee of $4.95 (per month, applied to the Card balance beginning 5 months prior to Card expiration). Since 86 of these cards had not been given out, the fees depleted the balances on these cards. Since the card disclosures were misunderstood or overlooked, we have reissued the 86 cards to Ms. ****** as a courtesy. The cards **** be shipped via UPS and Ms. ****** should receive them by early next week at the latest. We apologize for any inconvenience Ms. ****** and her company may have experienced. We consider this matter to be closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 18, 2015/12/22) */ (The consumer indicated he/she ACCEPTED the response from the business.)

12/23/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Being denied access to my funds. I purchased a card for $450 and was not able to register it because they claim it did not pass ***** test. Suggested I register the card in another family members name. Attempted to register in my Mother's name and that too was declined. My Mother cannot speak and I have power of attorney for her. I have repeatedly sent in the power of attorney documents, my drivers license, and other information they requested. It has been since October 19. I was assured by a risk manager that my documents looked fine and the matter would be resolved by no later than November 2. They keep telling me that the "legal department" is reviewing my documents. But when I ask to speak to the legal department I get a standard reply from various people who only identify themselves by a first name and an initial. These people are working in a call center outside the U.S. When I ask to speak to a supervisor the call center representative refuses to do so. My emails are replied to by various people who have the same standard reply.."we are working on it." I tried to call the number that the risk manager called me on and the number is constantly busy and apparently does not accept calls. I would like to revoke the registration I attempted to do under my Mother's name but they refuse to talk to me on the phone even though I have provided them with legitimate power of attorney documents that have been accepted by Chase Bank and other financial institutions. The incident number is INC XXXXXXX. The card number is XXXX XXXX XXXX XXXX. Expiration date is 06/19 abd and the CVS is 204. Purchased at Stater Brothers on 10/19/15 for $450. In some instances a representative at the call center has spoken to me even though they are not supposed to and I have answered every security question posed. I do not believe this is a matter of security but rather a tactic to take my money or delay giving me access to my money for their own purposes. I have seen various reports online about this same situation so i know it is not an isolated event. Thank you.

Desired Settlement: Want the card to be unblocked so I can withdraw my funds from an ATM or else refund my money.

Business Response: Initial Business Response /* (1000, 8, 2015/12/04) */ VIA BBB WEBSITE December 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *********** On November 9, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ***** with respect to a block on a PayPower Visa Prepaid card that is registered in his mother's name. Blackhawk 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 fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. That same day, Mr. ***** contacted customer service to inquire on the status of her account. We 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 affairs. On October 30, 2015, we received the requested documentation and forwarded it to our legal department. On November 6, 2015, we received approval from our Legal team to unblock the card. That same day, the card was unblocked and the customer was notified of this. Since that time, the customer has used the card numerous times to make purchases at local retailers. We apologize for any inconvenience or delay that Mr. ***** may have experienced, but it resulted from our attempt to protect his mother and her account. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/23/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I was supposed to receive a reimbursement card from Blackhawk containing $575 and after having it reissued Twice I still have not received the card. Tmobile has a promotion where if you switch carriers over to them, they **** reimburse you for the early termination fees. I had 2 lines on my account which totaled to around $575 in early termination fees. They use Blackhawk as their card provider because after calling tmobile multiple times they finally transferred me to Blackhawk. After waiting 2 months for a card that was supposed to arrive within 3 weeks I had them reissue a card. The new card was supposed to arrive in 15 days and after a months time I'm beginning to think I was scammed by both Blackhawk and tmobile.

Desired Settlement: I would like my full reimbursement on the gift card that was Suppose to arrive nearl 2 months ago.

Business Response: Initial Business Response /* (1000, 9, 2015/12/04) */ VIA BBB WEBSITE December 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ******* Dear Ms. **********, On November 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ******* with respect to a Visa-branded Reward Card ("Reward Card"). Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards. We sincerely apologize for any inconvenience and delay that Ms. ******* may have experienced. Our records indicate that the card was originally issued on September 14, 2015 and mailed on September 18, 2015. On October 26, 2015, a replacement card was mailed per Ms. *******'s request. Upon receipt of this complaint, we replaced the card again. This time we expedited the shipping and mailed it via UPS. Ms. ******* should have received the card by now. It is our intention that our Reward Card recipients have a positive experience with the cards that we provide. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/22/2015 Problems with Product/Service
12/21/2015 Problems with Product/Service
12/18/2015 Problems with Product/Service
12/17/2015 Problems with Product/Service
12/16/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I purchased 4 gift cards that had been tampered with. The funds were stolen from the card. Filed a dispute but no communication from Blackhawk at all. I purchased 4 gift cards from Jewel-Osco. When I tried to use them later my purchases were declined. I checked my balance on each card and they had all been used up. I immediately contacted Blackhawk for assistance and they told me they would take 4-6 weeks to investigate and get back to me. This call took place on 9/10/15. They also asked me to send in multiple documents and proof of purchase. I did all that. From the start, Blackhawk immediately complicated the issue with bad customer service. My legal name is ******** but I go by *****. With all 4 cards I asked the rep to register it under "******** ***". When he joked that it was a difficult name to pronounce, I told him that he could call me "*****" for the sake of conversation. Lo and behold, only 1 of my disputes is with my legal first name "******** ***" and the other 3 disputes are with my legal middle name "***** ***". All this could have been avoided if the representative spoke english properly. He also told me that I would receive replacement cards. This means I should get 4 replacement cards, right? Wrong, they sent me 7. How difficult is it to stay on top of stuff like this? There are hordes of complaints online about people being ripped off because of Blackhawk. Get your act together. As of now I've only received the funds back on the dispute under the name "******** ***". I've tried asking for updates on the other 3 cards but I still get quoted the same line: "please wait for our investigation to finish." When I tell them that I already waited 2 weeks, they don't have much to say, but apologize that "they understand." I don't know why it's so difficult to get in touch with the appropriate people at Blackhawk. The only number I have reaches people who never know what's going on and simply tell me to sit tight. Is this how consumer protection works? I sent in all the documents they asked and did so properly. I feel like this company hides behind its incompetence to rip people off. Here are the details of each card: Card #1 Account #: XXXX-XXXX-XXXX-XXXX Proxy #: XXXXXXXXXXXXXXXXXXX Card #2 Account #: XXXX-XXXX-XXXX-XXXX Proxy #: XXXXXXXXXXXXXXXXXXX Card #4 Account #: XXXX-XXXX-XXXX-XXXX Proxy #: XXXXXXXXXXXXXXXXXXX

Desired Settlement: I would like a refund for the disputed amount.

Business Response: Initial Business Response /* (1000, 8, 2015/11/25) */ VIA BBB WEBSITE November 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ***** *** Dear Ms. *********** On November 4, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******** ***** *** with respect to disputed charges on his Visa Gift cards. Blackhawk is the program manager for these cards on behalf of the issuer, Sunrise Banks, N.A. On November 9, 2015, Mr. *** provided all of the necessary documentation needed for the disputes.. Our Disputes team was able to resolve Mr. ***'s cases. On November 11, 2015, the amount of the disputed charges was credited to the customer's Visa Gift cards. The following day, we reached out to Mr. *** and let him know that the funds were now available. The cards may now be used anywhere in the U.S. that Visa Debit is accepted until the funds are depleted. We now consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: 10/24/2015, I activated a prepaid card, which was supposed to have $50 value,it only had 14.30 In less than 7 business days,was charged a 5.95 fee. On 10/24/2015, I activated a prepaid card. The card balance was only 14.30. I was told to call back in 2-3 days to make sure the balance was corrected. I called back 11/3/2015 (7 business days later) to make sure and I was already charged 5.95 on 11/1/2015. I was told to read the terms and conditions. It only states that a monthly fee **** be charged. I was not given the opportunity to cancel the card and be made whole for the $50. I was told by ****** that they were not going refund the monthly fee. I have read the terms and conditions and no where does is state when the fee is to be charged. Especially in light of the fact that I have an issue with the card balance on 10/24/2015. I also see in the terms and conditions to get a check issued to me to close the account, that I have to pay another 5.95. This seems like it should be illegal. For a company to at random days of the month, charge a monthly fee (the date should be SET) and then charge you, the consumer, close the account.

Desired Settlement: I would like a check for 5.95 for the November monthly fee.

Business Response: Initial Business Response /* (1000, 10, 2015/11/25) */ VIA BBB WEBSITE November 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *********** On November 4, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to his dissatisfaction with the fees associated with her PayPower Prepaid Visa Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Like most general purpose reloadable cards, the PayPower Visa Prepaid card includes a monthly fee. That fee is clearly stated on the back of the package and in the cardholder agreement. The fees begin to accrue after the initial activation that occurs at the time of purchase. On November X XXXX, we reversed a $5.95 fee on Ms. ******'s account as a courtesy. We contacted Ms. ****** via email and explained that we had reversed the fees on her card as a courtesy to her, since she had never used the card. We explained that she would be able to use the card anywhere in the U.S. that Visa Debit is accepted. On November 12, 2015, Ms. ****** used the card's remaining balance at a local retailer. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Blackhawk Network would not release hold on paycheck in a timely manner. As I write this it is still on hold. Case INCXXXXXXX Regarding Case INCXXXXXXX at Blackhawk Network: My direct deposit was put on hold. It was large due to an annual bonus. I provided a copy of the pay stub for verification, my work email address and also answered several security questions this morning. I was told it would not be fixed for two business days. I am really frustrated and filed a complaint with the FTC and the Better Business Bureau. It is not acceptable to hold someone's payroll check. This can be verified easily. Here is the text from a letter I wrote them- Please see attached documentation of the unusually high deposit on my account today. This is definitely a valid deposit and if you need additional verification please let me know as soon as possible. You may also validate my employment at T-Mobile, you can email me at ****************@t-mobile.com. Unfortunately, I don't receive paychecks in this amount very often, and **** certainly lower the amount that is deposited into your bank going forward so I don't ever have to go through this hold issue in the future. Please help me resolve this, thank you.

Desired Settlement: Release hold on funds asap and change the policy so the SLA is less than 2 business days for future payroll hold issues.

Business Response: Initial Business Response /* (1000, 8, 2015/11/25) */ VIA BBB WEBSITE November 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *********** On November 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******** with respect to a block on her T-Mobile Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ******** had, but her inconvenience resulted from our attempt to protect her and her account. On October 29, 2015, Ms. ******** had an unusually large credit post to her account. The amount of the credit exceeded the maximum allotted value of the card account. This caused our system to block her card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. That same day, Ms. Brown contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informed Ms. Brown that the issue would be escalated to our Risk Department and someone would be in contact with her. On October 30, 2015, our Risk department unblocked Ms. ********' account. As a courtesy, we reversed fees on Ms. ********' account for a total credit of $20. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a Visa gift card on 10/29/2015 At 7:30 am and the card was printed with the incorrect informationso I could not use it. Purchased a visa gift card 10/29/2015 at 7:49am at my local Wawa in Reading Pa. After purchase I tried to register the card online and was directed to the customer service number and the automated machine said that the card was not activated after speaking with the store I was told they have had several problems with these cards and referred me to Blackhawk Network to resolve the issue. I was transferred to a woman by the name of ******** (no last name or Id number) she was not customer service friendly and refused to listen to anything I was trying to tell her. She tried me telling me that the card was activated and ready to use after several attempts of trying to use the card with her on the phone on different websites the card still not work she refused to admit that she has any previous calls about the same thing after I told her what the customer service from WAWA explained, she offered to send me a new card but would take 7 to 10 days day. I then asked for a supervisor was placed on hold and told that one was not available and I would receive a call back I waited about an hour and 30 minutes before I called back to Blackhawk, this time I tried the register card again by phone and the automatic voicemail stated the card was not activated, I got through to a customer service rep this time a man and asked for a supervisor he refused and wanted to handle the call himself I went over everything from the previous call and he himself became disagreeing about the card being registered on their end and working fine after several attempts of trying to get him to understand that I know it's a defective car and nothing I am doing wrong he said that he could send me a new expedited but would cost me $25.00 I refused since I feel it's not of any fault of mine and that the company knows that these cards are causing problems the call escalated and I was transferred to a supervisor. I spoke with the supervisor and she explained that they have had several complaints and that the company had printed several cards with incorrect account information on them and she apologizes, I explained that I am low income and do not have another $50.00 to purchase another card while waiting for the new one and she stated that I was not eligible for an expedited card since it was only a gift card and that I would be offered no type of compensation for the inconveniences that they caused me because it is not company policy I would just have to borrow the money from someone else while waiting for the card. I finally agreed and advised her I would be filing an complaint with the BBB. My biggest problem is that the company knows that this has been an issue and I still had to jump through hoops to have it resolved and they wouldn't even make anytype of change to keep a paying customer happy.

Desired Settlement: I would like the card to be shipped to me over night or some type of compensation for the inconvenience since while waiting for the card I have to figure out another way to get the $50 I used today to pay for my purchase.

Business Response: Initial Business Response /* (1000, 10, 2015/11/25) */ VIA BBB WEBSITE November 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *********** On November 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to a Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for any inconvenience Ms. ****** experienced as a result of not having her Visa Gift card so that she could access the funds on the card. On October 29, 2015, Ms. ****** filed purchased a $50 Visa Gift card. Due to a printing error, Ms. ****** was unable to register or use the card online. That same day, she contacted us for assistance. We explained that she could use the card at retail locations or we could issue a replacement card. It normally takes 7-10 business days for a replacement card to be delivered. Mr. ***** did not receive the card we sent, so we sent a replacement. On November 6, 2015, Ms. ****** received the replacement card and has since used her card to make purchases at retail locations without any further issues. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/14/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: The $200 target gift card I received didn't have balance on it. The packing slip was a photocopy and card was stolen before delivery by usps. I received a $200 target gift card from giftcard mall on Aug 15th, 2015(order number on the packing slip is XXXXXXX, and order data was Aug11th 2015), which showed invalid number when I tried loading it to my target.com account. I contacted gift card mall first, and found out the card they sent out was exchanged by someone who put a copy of the packing slip with correct order information but invalid target gift card in it. Giftcard mall refuse to take responsibility for the stolen card as the stolen card was redeemed by the person who exchanged the card right after the package was delivered. however, Target.com refused to tell me and giftcard mall who used the card.

Desired Settlement: I contacted gift card mall and they dispatched a specialist named ****** ********* and another gentleman that I forgot the name. Me, the gentleman and also target.com customer representative talked on the same line confirmed that the card I received was invalid in August, 2015 after I contacted this issue through ebay a couple of times. so they agreed to replace a new card to me, but they changed the decision all of sudden and they found that their stolen card on file was redeemed! I sent the images of the card and packing slip that I received and the status of the card when checking balance on target.com and told them that the card I got is invalid, more importantly, the packing slip was in black and white, which showing the card was exchanged by someone who did the shady thing. The "invalid" status last for two month until recently (after Oct23th) the card I had was loaded with $0.01 on Aug17th at White marsh, MD mysteriously by someone. Only gift cardmall rep and have the card number, who could load 0.01 to this card and change the date of the card? Target.com refused to tell me who used the stolen card after many times of calling. But I don't want to pay $185 for an invalid card (or I would say now, a card with $0.01 on it). I am pretty sure there were someone in their company who stole the card and replaced it with another card that has no money on it.

Business Response: Initial Business Response /* (1000, 11, 2015/11/25) */ VIA BBB WEBSITE November 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. **********, On November 4, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* **** with respect to a Target gift card that he ordered on eBay. Blackhawk fulfills these orders for eBay. On August 11, 2015, Ms. **** placed an order on eBay for a $200 Target gift card, which was offered at a discount. The order was shipped on August 12, 2015 via USPS Critical Mail. According to the tracking, the order was delivered on August 15, 2015. Ms. **** has stated that she received a card with only $0.01 on it even though we shipped the card with a full balance. We are still researching this claim and **** submit an updated response shortly. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 13, 2015/12/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) I didn't get the time frame of when this case can be resolved. Either refund or mail a replacement card **** be fine to me. Final Business Response /* (4000, 15, 2015/12/10) */ ***Document Attached*** VIA BBB WEBSITE December 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. **********, On November 4, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* **** with respect to a Target gift card that she ordered on eBay. Blackhawk fulfills these orders for eBay. On August 11, 2015, Ms. **** placed an order on eBay for a $200 Target gift card, which was offered at a discount. The order was shipped on August 12, 2015 via USPS Critical Mail. According to the tracking, the order was delivered on August 15, 2015. Ms. **** has stated that she received a card with only $0.01 on it even though we shipped the card with a full balance. We apologize for any inconvenience or delay that Ms. **** has experienced. We have processed a PayPal refund for Ms. ****. Ms. **** should see the credit in her PayPal account in 2-3 business days, if she has not already received it. We consider this matter closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 17, 2015/12/11) */ (The consumer indicated he/she ACCEPTED the response from the business.)

12/12/2015 Problems with Product/Service
12/10/2015 Billing/Collection Issues
12/10/2015 Problems with Product/Service
12/9/2015 Problems with Product/Service
12/7/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I am unable to get my money refunded after cancelling this card On July 29th, 2015 I purchased a Paypower Visa card #4241 0762 1829 4610 (number on back of card is XXXXXXXXXXXXXXXXXXX)at the local grocery store for $5.95 and loaded it with $500. When I got home, I tried to activate it and found the fine print online regarding all the monthly and reload fees involved with this card and decided that this was not what I wanted. I called X-XXX-XXX-XXXX the next day, July 30th, to cancel it and spoke with *******. She assured me the full purchase price of $505.95 would be refunded after a 30 day processing period and gave me a "refund request ticket number INCXXXXXXX". On August 12th, a new embossed Paypower card arrived in the mail with a request to activate it. I called the number on the card and spoke to ***** this time, requesting that he confirm the status of this card. He assured me that the card indeed has been cancelled and that the refund is still being processed and that no further action was required on my part. I was travelling for the next 2 months but had my son bringing my mail into the house every day. On my return, there was still no refund cheque from Paypower. I contacted them on October 21 and spoke to ****. He looked into it and claimed a cheque had been sent to me on August 20th but had not been cashed. He referred me to ************** at X-XXX-XXX-XXXX who said a new cheque would be sent out in about 10 days and gave me a new confirmation# INC XXXXXXX. My cheque still had not arrived by November 16th so I called them back again and this time spoke to***** who referred me back to **************. I spoke to her and she said the cheque still has not been sent out and she would have to speak to someone and get back to me that afternoon (she didn't call back). I phoned back on November 18th and spoke to **** this time. She looked up the file and said that I am to use the original confirmation number ( INC XXXXXXX) if I have any questions and that ********* has now been promoted!!!! higher up the chain and that a new supervisor would be looking after this and following up with ********* for final approval!! She would not give me anyone's phone number. Someone is supposed to get back to me in the next couple of days. As polite as everyone was over the phone, I can't help but think that the main function of this company is to delay and obfuscate for the sole purpose of hanging on to other peoples' money for as long as possible and collect interest in their account. Nothing else seems to explain the runaround I've been getting.

Desired Settlement: I would like to have my money promptly refunded so that I don't have to deal with this company anymore.

Business Response: Initial Business Response /* (1000, 7, 2015/12/04) */ VIA BBB WEBSITE December 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *********** On November 20, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to a refund for the remaining funds on his Canada PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for this card on behalf the issuer, All Trans Financial Services Credit Union Ltd. On July 30, 2015, Mr. ****** requested to cancel his account and have a refund for the remaining funds on his Canada PayPower Visa Prepaid Card. It generally takes 30 business days to issue the refund check. On August 20, 2015, a check for the remaining balance was issued and mailed to Mr. ******. It generally takes 7-10 business days for a customer to receive the check. On October 22, 2015, Mr. ****** contacted us because he had not received the check. We verified that the check had not been cashed and requested to place a stop payment on the original. The check was reissued on November 23, 2015. The customer should receive the check very soon if he has not already done so. We apologize for any inconvenience or delay that Mr. ****** experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 9, 2015/12/07) */ Hi *****, I received a cheque in the mail yesterday from Blackhawk Network (Canada) Ltd. for the sum of $500. It was dated November 23, 2015. I'll let you know if it bounces. Thank you for your help in this matter. ****** ****** ************************************ *******@mymts.net

12/4/2015 Billing/Collection Issues
12/3/2015 Problems with Product/Service
12/2/2015 Problems with Product/Service
12/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I don't know where to even begin but this company is definitely the worst company i have ever dealt with in my entire life.Ill keep this brief but understand that my situation has been dragging out for over a year.First - they froze my account with around 1500 usd in funds.- they refused to give me a written statement on account so i couldn't even see what was really left in the safe, what cards might be in question, etc.- they refused to give me written (or even verbal at the early points) documentation on whether i violated a term or which packs were claimed to be fraudulent.- The best I could ascertain was that their terms/conditions mean nothing. They can freeze your money if you can't meet terms that are the OPPOSITE of what they tell you to do in terms/faqs.- They also vaguely mentioned fraud but being cash purchased reloadit packs, theres no possible chargebacks so there must be a fraud victim. They refused to write me a letter with the packs that were claimed fraudulent and instead said "ALL OF THEM!". That is ridiculous because i used this service for a while and had plenty of good transactions.- And lastly, they say that i must send physical pack card. But they don't believe me when I tell them that their site is VERY VERY VERY clear to NOT keep physical pack. So they are now saying they have right to keep my money because I followed their instruction because..... they now say so?- Any lawyer want this case? I think theres $1500 which id donate to charity or lawyer fee if u can just teach this company a lesson. STAY AWAY FROM THESE PEOPLE!!! I AM AMAZED AT HOW THEY OPERATE. Wont be surprised if CEO is in jail in a year. I believe they are stealing the "so called" fraudulent funds.I also wonder if small claims court is an option. Ive wasted so much time on this.. Product_Or_Service: Reloaded Safe Order_Number: n/a Account_Number: *********@gmail.com

Desired Settlement: DesiredSettlementID: Explanation of Charges Obviously want my money but lets start simple:#1a) reason for freezing safe and fundsb) fraudulent packs explanation - is there a fraud victim? who? I would think this is info im entitled to since they handed my money to this mysterious fraud victim.c) the exact packs that had fraud claims. They say all of them so if thats the case, id like a list.d) Terms + conditions that i agreed to on sign up - which term qualifies the action Reloadit took and the action they claim I am responsible

Business Response: Initial Business Response /* (1000, 16, 2015/11/16) */ ***Document Attached*** VIA BBB WEBSITE November 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. Buenrostro, On October 20, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to a block on his Reloadit safe that may be accessed via www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and is the issuer of the Reloadit Pack. Several consumers called to complain that they were defrauded into purchasing Reloadit Packs that were loaded to Mr. ******'s safe. On March 9, 2015, Mr. ******'s safe was blocked because it contained Reloadit Packs which had been reported in multiple scam cases. We suspected that this safe had been used to defraud several consumers. Per the Reloadit terms and conditions: We may cancel or suspend your Reloadit Pack(s), Reloadit Pack Number(s), or Reloadit Safe at any time without notice for any reason (for example, if we suspect fraud or unauthorized activity), subject to applicable law. Since Mr. ******'s safe has been associated with fraud, we **** not unblock it and **** not provide any type of refund to Mr. ******. The money in his safe has already been refunded to the fraud victims. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/2/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: i have a reloadit card for $100 and I can't use my funds. it always said they have tecnical problems and have been imposible to tranfer my funs. i have a reloadit card for $100 and I can't use my funds. it always said they have tecnical problems and have been imposible to tranfer my funs.

Desired Settlement: i want my money back.

Business Response: Initial Business Response /* (1000, 8, 2015/11/11) */ VIA BBB WEBSITE November 11, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******* Dear Ms. **********, On October 20, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ******* with respect to applying funds from her Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On October 16, 2015, Ms. ******* purchased a Reloadit Pack and associated $100 to it. Ms. ******* states that she experienced difficulty transferring the money from the Reloadit Pack to her PayPal prepaid debit card. Although the Reloadit Pack does load the PayPal Prepaid MasterCard (BINs XXXXXX and XXXXXX), the card that Ms. ******* initially attempted to load was not compatible with the Reloadit product. On October 21, 2015, Ms. ******* successfully applied the $100 to a prepaid card that is a Reloadit partner. Since Ms. *******'s money was successfully transferred from her Reloadit Pack to her prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

12/1/2015 Problems with Product/Service
11/30/2015 Problems with Product/Service
11/24/2015 Problems with Product/Service
11/24/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Purchased Reloadit cash cards and loaded money on the cards, but none of the money has been retrievable, even after contacting the company. On 7/6/2015, I purchased $5,427.89 worth of ReLoadIt cards and attempted to call the company the same day for a refund, but was unable to contact via their 24 hour customer support after calling twice and holding for over an hour each time. Prior to the purchase, I was contacted by a man claiming to be an IRS agent. He indicated I owed $5,427.89 in overdue taxes and that I must pay with ReLoadIt cards. I purchased the cards, but then realized it was a scam and did not provide this man with any information on the cards. I ended up loading 2 of the 11 purchased cards worth $947.89 into the online ReloadIt safe which I setup to retrieve the money. Before I could enter any more cards into an online safe, the website became unresponsive and I could not input any information. I was finally able to contact a customer service representative with BlackHawk network regarding all the ReloadIt cards over the phone the next day 7/7/2015. They indicated to me that the 2 cards I was able to load($947.89) were refundable. They also indicated that the other 9 cards I purchased, totaling $4,500, had no funds on them or the money was already spent. Per their request, I emailed ************@bhnetwork.com with copies of the receipts, copies of the cards front and back, and also a copy of my license. At that time, the customer service representative stated the $947.89 refund would show in the mail within 30 days, and that they could not do anything for the other $4,500 worth of cards I purchased. On 7/31/2015, I was contacted via email from ***** ****** with BlackHawk Networks. Per her request, I provided her with copies of the receipts, copies of the cards front and back, and also a copy of my license. She replied a week later 8/11/2015 stating they were sending out a check for $947.89 via mail for the 2 cards I was able to load. She indicated the check would be sent out 8/17/2015 and should arrive 7-10 business days. I responded asking about the other 9 cards, which I never accessed or shared information of. She said that they were loaded into other online safes and funds were used up. To this date, I have not received a refund check for $947.89, promised on two separate occasions. The other $4,500 worth of cards I purchased, which I never shared the information of, has also been denied refund by the company as they have claimed there are no funds on the cards, or the cards were used.

Desired Settlement: Full and immediate refund that has been promised $947.89. Also, a full refund of 9 cards that I loaded and never used or shared the information of, with any website or any other third party, $4,500. The 9 cards that they recognize as "used" or "funds not available" were never used. The information of the 9 cards was never shared or used with any website or third party, so it is hard to understand how the cards were used up and empty of all funds, $4,500.

Business Response: Initial Business Response /* (1000, 12, 2015/11/24) */ ***Document Attached*** VIA BBB WEBSITE November 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ****** Dear Ms. **********, On October 27, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******** ****** with respect to a refund for 11 Reloadit Packs that were purchased as the result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., operates issues the Reloadit Pack. On July 6, 2015, between 10:46 a.m. and 12:52 p.m., Ms. ****** purchased eleven Reloadit Packs at Safeway stores in *******. Eleven of the Packs were for $500 and the other was for $427.89. Previously, Ms. ****** had filed another complaint for this same issue with the Washington Office of the Attorney General. In that complaint, she stated that she was aware that she was the victim of a scam. As a result, nine of the Packs totaling $4500 were depleted by the fraudsters to whom she must have provided the Pack PINs. On July 7, 2015, Ms. ****** contacted us to report the scam. By this time, she had secured two Reloadit Packs in an online safe at www.reloadit.com, but the remaining Packs had already been redeemed by the fraudsters. On August 17, 2015, we issued a check to Ms. ****** for the two, secured Packs in the amount of $927.89. We were able to confirm that the check that had been sent was never received. We have placed a stop payment on the original check and have reissued another in that amount to Ms. ******. She should receive have received it by now. We apologize for any inconvenience or delay that Ms. ****** may have experienced. We are unable to refund the other nine Packs because the funds are no longer available. Ms. ****** provided the Pack information to criminals. We suggest that Ms. ****** file a police report. We **** assist law enforcement in their efforts to apprehend the perpetrators. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 14, 2015/11/24) */ A check for the amount of $947.89 was received in the mail on November 20th 2015 from Blackhawk Network.

11/24/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Cards not working since 8/15 have not been refunded despite multiple calls, messages and faxes This is to bring to your notice an unfortunate interaction with T-Mobile Money Services and BlackHawk Network. After numerous calls to customer service and multiple visits to the T-Mobile Corporate store; I regret to inform you that my case has not been resolved yet; neither do I have a time-estimate for the same. Allow me to give you a brief summary of the events thus far: 1. I purchased multiple T-Mobile Visa prepaid cards at a Safeway store (attached receipts and card information) and was informed that they were activated. 2. Upon trying to link my cards with my account (XXX-XXX-XXXX) I was informed that none of the cards could be linked and was given no clear reason as to why this was the case. 3. I tried visiting the corporate store at ***********************************) and tried activating my cards there; to no avail. The representative at the store that it would be easier if we just declined the purchase transaction with Safeway so as to deactivate the cards. 4. The purchase was cancelled with my bank but Bank of America required a written letter from T-Mobile expressing that the cards could not be activated so as to allow them to cancel the transaction. 5. The T-Mobile store at Sunnyvale refused to issue this letter and instead said a refund on the whole amount would be issued via a check. (Conversation with BlackHawk Network: Incident #XXXXXXX) 6. Since then; I have contacted customer service at least 3 times to enquire about the status of this refund; but have never gotten a concrete timeline or status. 7. On multiple occasions, the representatives promised call backs but I received none. As it stands, T-Mobile has been holding >2000 dollars of my hard earned money without any action for nearly two months. It is especially embarrassing as I moved from AT&T to T-MOBILE for better customer service but the service I've received so far has only been worse than before. The above events have dragged on for the last 2 months and as a customer, I am appalled at the level of inefficiency and lack of transparency in this matter. I urge you to look into this matter at the earliest and issue a refund immediately. If the issue is not resolved within 2 business days, I **** unfortunately have to seek legal recourse and **** pursue damages for time wasted and interest on funds to the extent that the law supports us consumers. Sincerely, ******.

Desired Settlement: Immediate refund of my $2500 swindled by this company.

Business Response: Initial Business Response /* (1000, 11, 2015/11/06) */ ***Document Attached*** VIA BBB WEBSITE November 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********* Dear Ms. **********, On October 12, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ********* with respect to five T-Mobile Prepaid Visa Cards. Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank. On August 8, 2015, Ms. ********* purchased five T-Mobile Visa Prepaid cards and loaded $500 to each at the point of sale. On August 11, 2015, Ms. ********* attempted to register two of her cards, but failed identity verification on both. A cardholder cannot load additional money to these cards until the cards have been successfully registered (including passing ******** verification). This is a requirement of federal law. Ms. ********* could have spent down the funds on these cards by using them anywhere in the United States that Visa Debit is accepted. She chose not to use the cards in this manner and refused to attempt to register the other three cards. On September 22, 2015, Ms. ********* requested a refund for all five cards. We apologize for any inconvenience that Ms. ********* has experienced. On October 8, 2015, we processed a refund for all five of Ms. *********'s cards. Although it generally takes about 30 business days to receive a refund check, a check was issued on October 9, 2015. Ms. ********* has received and cashed this check. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

11/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Blackhawk Network failed to provide transfer of $100 from a Reloadit card to my Pay Power account. On 8/19 I purchase a Reloadit card at Safeway for $100 + 3.95 fee. When I attempted to load the money (with code) the website was down. I called and they said it would be up in 3 hours. It did to come up the rest of the 24 hours. I had to go on a trip. When I returned 4 days later and went on the website the message said "Invalid Pack". I have a Safe on Pay Power that lists the amounts that have been loaded and used. This current amount was never loaded and would not accept the valid number. I called customer service (in central america) and was told that this was a level 2 situation and I would have to wait for a call back. Finally when someone called back that day (after I insisted) I was told I could report it to the police but that my money was gone. The authorization from Safeway and my empty safe on Pay Power did not seem to make a difference. I called the police and they said that this was a civil matter. I was told that I had basically been screwed out of my money. I have been using Reloadit for over three years. In the last four months there have been indications of problems (e.g. website down or delay in loading money) but I never expected this situation. I can see with complaints online that this company is cheating a large number of individuals out of their money with the same practices I experienced. I have informed Safeway of this problem to inform them. Please help me in any way you can. I cannot afford this loss.

Desired Settlement: I want my $100 +3.95 reload fee returned to me. The money has been in the hands of Reloadit and I need it returned to me.

Business Response: Initial Business Response /* (1000, 9, 2015/10/05) */ VIA BBB WEBSITE October 5, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *****, On September 10, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On August 19, 2015, Mr. ****** purchased a Reloadit Pack at2:52 pm (PT) at a supermarket in Salem, Oregon. Unfortunately, Mr. ****** appears to have been the victim of a cloned site. He certainly did not go to www.reloadit.com; instead, he went to a site that looked like www.reloadit.com but was not (we have discovered several such sites and continue to contact those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site requires every customer to create a safe using their email address. Mr. ****** had previously created a safe on our website, but this Reloadit Pack was never added to it. Instead, the Pack was added to someone else's safe (one established by a fraudster) and the funds were loaded to a prepaid card that they controlled. In order for someone to add a Pack to their safe and apply the funds, they need to know the Pack PIN, which is hidden under the "scratch off", and the exact amount associated with the Pack. When Mr. ****** entered this information on the cloned site, he gave the fraudsters the information they needed to steal his funds. Unfortunately, we cannot provide a refund to Mr. ****** because he gave the Pack number to a criminal. We suggest that he file a police report regarding this matter. If Mr. ****** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ****, ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/10/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) Thank you for your explanation. It does not address the impact of this loss to me. Unfortunately when I logged into your bookmarked site, your site was down. I googled reloadit and received the site to enter the information. While this may have been as you say a fraudulent site, it was identical to your site. The difficulty you continued to experience with "down site" contributed to the confusion. On the day I spoke to your agent on the phone and was advised to file a police report I did in fact do this. The Polk County Oregon Sheriff Deputy, **** ********, filed a report of my loss of $100. The case #XX-XXXX is on record for you to investigate the loss of money. I followed the procedure to purchase and load my account. $100 is a significant loss to me and clearly not to you. I expect a satisfactory resolution from you as a loyal customer for over three years. Final Business Response /* (4000, 15, 2015/11/05) */ VIA BBB WEBSITE November 5, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Rebuttal Dear Ms. **********, On October 20, 2015, we received a rebuttal from ***** ****** in regards to our response to his original complaint. We sincerely apologize that Mr. ****** fell victim to this fraud and that his hard-earned money was taken from him. We have a team dedicated to fraud investigations so that we may try our best to protect our customers and their accounts. We **** work with law enforcement in their efforts to apprehend the perpetrator(s) in this case. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ****, ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 17, 2015/11/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) There is no effort of Blackhawk to satisfy customers. If mine was an isolated incident then I could accept this decision. But there have been many users hurt by such events. I am sorry that Better Business Bureau was not able to effect a more positive response from this company. Continuing to recommend them with high rankings is disappointing and clearly not reflexive of real user experiences.

11/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Aug 2015 My mom purchased a reload pack or $50 pin #XXXXXXXXXX for my Paypower prepaid debit card during a State of Emergency during a Wildfire evac Aug 2015 in Okanogan County Washington We had wildfires requiring evacuation of many towns here. My mother purchased a reload it pack for $50 so I can get gas an get out before our home burned. I call the # on the back of the card XXXXXXXXXXX like I have for the past 5 years to give my pin an be on our way with in less the 5 mins. this is why i loved the card the fast reload. Well after 47 mins on hold twice as the first time disconnected so this was 94 mins wasted the first day, for the person i spoke with to tell m there is nothing they can do I must go make a safe an such. well i tried an m card is associated with an account that I can no longer get in to. an email i no longer use. so there is no accesing the account for my debit card. i call back again nothing not even a supervisor could do but after 20 mins on hold for him disconnected.After again another 52 mins to speak to someone. My mom told same thing a disconnected. short of it its Oct 2015 I have no $50 put on my card since, every time I call i loose atleast 100 mins, I use a free safelink phone that get 350 a month which in Aug this company took all of in less then a week, didnt an couldnt load my card or pass ** to someone who could. they didnt care our town WAS ON FIRE... An we were ordered by local police cheif to leave town. I have a 18 month a 4 1/2 year old an 19 year old a our dog Radar myself an boyfriend who COULDN'T leave town during evacuations due to NO GAS MONEY...which 2 months later i still do not have the funds an lost out on 850 tracfone mins on # XXXXXXXXXX. the customer service people were rude to me so I was rude right back. they recorded it all. for 5 years loading has been the same an now in state of Emerg they could not load it over the phone there was nobody they could send me to to fix the problem just call the reload company. ok the number on that card is 1 digit off from the debit card company. so its the same company same prob same answer. WE CANT HELP YOU LOAD YOUR FUNDS. Never was I notified about the changes til i call to put pin in an denied. I would appericate the funds put on the card so they can be used then my card can be cut up.. I am very disappointed with the card company an lack of care an concern to help my family.

Desired Settlement: Payment of my $50 either on my card or wired western union ASAP.

Business Response: Initial Business Response /* (1000, 8, 2015/10/30) */ VIA BBB WEBSITE October 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *********** On October 6, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On August 20, 2015, a Reloadit Pack was purchased and $50 was associated to it. Ms. ****** states that it was purchased for her due to an emergency, evacuation situation. Currently, all Reloadit Packs may only be applied to prepaid cards via the Reloadit Safe at www.reloadit.com. The safe is a requirement in order to safeguard our customers from fraud. On August 21, 2015, the Pack was successfully applied to a third party prepaid card. Ms. ****** states that she no longer has access to that account. For security purposes, we do not have access to our customers' safes. Ms. ****** would have had to add this card to her safe. Since the funds were applied to a third party account, we do not have access to them and are unable to retrieve them. We suggest that Ms. ****** contact her prepaid card company for further assistance. We apologize for any inconvenience Ms. ****** may have experienced. We consider this matter to be resolved at this time. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

11/18/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I had two disputes of $100 each taken from my Pay Power debit card and I have been told after many phone calls and over 45 days no refund. I put in two disputes of $100 from what looked liked two different companies I have never heard of. Pay Power had them listed as Davison invention and the other was similar, but there were two different account numbers that my money was sent to. I was told that I agreed to their method of investigating any disputes when I purchased the card three years ago and they said they investigated and were in favor of the company that stole my money and that there was nothing I could do about it, so I closed my card and would still like to get my $200 refunded. The account number I had with the card was (XXXXXXXXXXXXXXXXX) and the routing number was(XXXXXXXXX). I have cut up the actual card to avoid any more of my money being stolen. I am having trouble paying my bills because of Pay Power and their rude customer service.

Desired Settlement: I need my money returned to me.

Business Response: Initial Business Response /* (1000, 9, 2015/10/30) */ VIA BBB WEBSITE October 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *********** On October 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** with respect to two disputed transactions on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On August 21, 2015, Ms. ***** disputed two transactions because she claimed that the company that she had paid had scammed her. She stated that they did not deliver on their promises. We requested documentation and further information from her. Since Ms. ***** failed to provide this, the disputes were resolved as "no error found". Since the timeframe to process a chargeback has passed, we **** uphold the decisions made on these cases. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

11/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: This letter is to complain about the service Ive been receiving from realoadit.com. I have been using the service since July, 2015. It has become increasingly difficult to add and load funds to my secure safe. Ive had the following problems:I cant sign in to my account because I keep receiving a prompt to verify my device. I have used the same device for all my transactions.When I try to load a pack or load a card, I receive repeated error messages: We are experiencing some technical difficulties. Please try again later.Service is inconsistent. Sometimes I can add a pack and load a card immediately. Usually I make repeated attempts and receive an error message.On October 2, I added a pack and loaded a card immediately after. There were no problems.I added a pack with numbers ending **** for $275. I have made repeated attempts to load a card since Saturday, October 3. The customer service explanations include:Weve been having that problem and are trying to fix it. We dont know when the issue **** be resolved.You must wait three, eight, and twelve or 24 hours before you can load a pack because we have to verify it.We are aware of the problem and have escalated it up.Theres nothing we can do. Keep trying.There is a problem with your prepaid card. The error message is coming up because the load is being rejected.Have you gone through the process correctly?Have you tried a different browser?Are you using the same device?Open a window in incognito mode.Did you clear your cache?I cant contact anyone who can resolve the issue. Product_Or_Service: Third Party Reload Service

Desired Settlement: DesiredSettlementID: Contact by the Business I want to load my money on my prepaid card.

Business Response: Initial Business Response /* (1000, 14, 2015/10/30) */ VIA BBB WEBSITE October 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ***** Dear Ms. *********** On October 7, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******** ***** with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On October 3, 2015, Ms. ***** purchased a Reloadit Pack and associated $275 to it. She attempted to load the Pack to her prepaid card for several days with no success. On October 6, 2015, Ms. ***** contacted us via email. That same day, we contacted her prepaid card company and manually loaded the money to her card. They confirmed that the Pack was successfully applied that day. , We immediately notified Ms. ***** that this matter had been resolved. We apologize for any inconvenience or delay that Ms. ***** may have experienced. Since the money from the Reloadit Pack was credited properly to Ms. *****'s prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

11/12/2015 Problems with Product/Service
11/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Refusing to issue provisional credit on dispute, even though they told me, in writing, that they would. I filed a dispute on a $250 charge on 9/7. I was sent a letter on 9/16 confirming my claim, and stating that it could take up to 45 days to make a decision. It also stated that, "We **** determine, within 10 business days of your initial claim whether an error occurred and **** correct any error promptly. If we need more time to complete our investigation, we **** issue you a provisional credit so that you have use of the funds during our investigation." I called today, as it has been 13 business days and was told that they did not have to issue the credit if they didn't want to, and it didn't matter what the letter stated. I was told it was up to them if they wanted to or not. Multiple things were told to me, and I'm tired of their lying. I'm tired of being told they **** do something, and then they don't follow through. I've had nothing but issues with this company and if I didn't have things already tied up with them, I'd close my account in a heartbeat. The only reason I'm still with them is because I am able to have an account in the same place as my boyfriend and we can transfer money back and forth. It's the only thing Blackhawk is good for. They held his tax return last year, they ALWAYS have issues with disputes, and their customer service never knows what they're talking about. I'm fed up.

Desired Settlement: I want them to issue the provisional credit as they stated they would.

Business Response: Initial Business Response /* (1000, 8, 2015/10/23) */ VIA BBB WEBSITE October 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *********** On September 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to an unauthorized transaction on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Ms. ****** disputed a transaction for merchandise that she never received. On October 19, 2015, we applied a provisional credit to Ms. ******'s account for $250 which is the amount of the disputed transaction. We expect to resolve the case by October 31, 2015, and **** notify Ms. ****** as to the results. If the dispute is resolved in her favor, then the credit **** remain permanent. We consider this matter to be resolved at this time. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

11/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: This is my complaint I tried purchase with my tmobilemoney prepaid card last almost two weeks ago and it was declined. So I called tmobilemoney services because I made a transfer from the bank to my card and I knew there should be money. So when I called I was transferred to the risk department and was asked many many questions to prove my identity after all that they still didn't let me use my card. The man I spoke to wanted me to send him a copy of my id with a picture of me next to it in an email. I asked them if they could just transfer my money back to the bank they said no. I asked if they could just close up this prepaid card and refund me no they still want me to send the id and picture of me. As I said it's a PREPAID CARD my money not theirs.

Desired Settlement: DesiredSettlementID: Refund All I want is my balance of 256.10. I would like this card cancelled and closed. I am not comfortable sending a copy of my id and picture of myself in an email for my prepaid card. I would like it transferred back to my bank if they can't just issue a check. I would like this done soon I have been waiting long. Thank you in advance for your help.

Business Response: Initial Business Response /* (1000, 13, 2015/10/23) */ VIA BBB WEBSITE October 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******* Dear Ms. *********** On September 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ******* with respect to a block on her T-Mobile Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ******* had, but her inconvenience resulted from our attempt to protect her and her account. On September 8, 2015, Ms. ******* transferred money from her personal bank account to her T-Mobile Visa Prepaid Card. Our system blocked her card account due to suspected fraud because the transaction fit the pattern of known suspicious activity. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On September 10, 2015, Ms. ******* contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informe***** that the issue would be escalated to our Risk Department and someone would be in contact with her. Through an in-depth interview with Ms. ******* and further research, we were able to properly validate Ms. *******. On October 12, 2015, the block was removed from Ms. *******'s account. We appreciate Ms. *******'s participation in our investigation. She should have no further issues accessing her account. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/30/2015 Problems with Product/Service
10/28/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Description: This company refuses to reimburse me for funds used fraudulently on my Visa gift card, even after following all instructions. I received a $200 Visa gift card for Christmas 2014. It was purchased by a family friend on 12/18/14 with a credit card ending in ****. The disputed amount includes the $5.95 processing fee. After I received this card, a fraudulent transaction was made on it for the entire balance of $200. I no longer have the card number on which the fraud occurred. I do have the number for the replacement card that was sent: XXXX XXXX XXXX XXXX. I checked the recent transaction history for this replacement card and a fraudulent transaction was attempted on 9/04/15. Of course, this transaction was rejected since the card has no balance, but it does lead me to believe that the source of this recurring fraud may be within the company itself; an inside job perhaps. Anyway, shortly after discovering the fraud, I filed a fraud claim (case #INCXXXXXXX) with Gift Card Mall in January 2015 and provided all of the requested documentation such a receipt of the gift card purchase and a completed fraud claim form. I was assured that the claim process would be completed within 45-60 days, at which time I would be reimbursed for the amount that was defrauded. I called several times during this period to check on the status and was assured that the process was proceeding along without any delays or complications. By July 2015, a resolution had still not been reached. In the beginning of that month, I called to inquire on the status of the claim and was told that they did not have any information available; that they would have to "look into it" and call me back within 2-3 business days with an update. Over a week had passed ******* any contact from GCM and I called again to inquire on the status. This time, I was given the same response and was again promised a callback within 2-3 business days. Predictably, over a week had passed ***** without any contact from GCM; still without them making any effort whatsoever to contact me with the status update that was promised. On July 31, 2015, I called once again called and this time was told that they **** suddenly require a copy of the PURCHASER'S bank statement to verify the gift card purchase. This was completely unreasonable and unnecessary as a copy of the original purchase receipt has already been provided to verify the purchase. It was also completely unreasonable to expect the purchaser, an uninvolved third party, to provide a copy of their statement with unrelated confidential financial information to this company. It was blatantly obvious that this company intended to drag this out as long as possible in hopes that my I would give up out of frustration. However, as ridiculous as this sudden request was, I sent them a copy of the statement as requested. Fast forward to September 14, 2015. I called once again to check on the status of my claim which still had not been processed. This time I was told that the purchaser's statement that I emailed had never been received. I knew this was false since I verified through my email sent folder that it was sent AND sent to the correct address. Furthermore, I was advised that my case was now closed and no further attention would be given to the matter. As beyond belief that it sounds, I am not making that up. I was told I had no further recourse. I was patient throughout this prolonged, drawn-out process and received nothing but the runaround. This company's utter lack of response, professionalism, competence, and follow-through has left me with absolutely no confidence that I **** ever receive the money that was stolen from me. That is why I am filing this complaint. It is simply not acceptable for a business in America, or anywhere for that matter, to operate this way. Thank you. The phone number to their customer service that I have been talking to is XXX-XXX-XXXX.

Desired Settlement: Resolution: I want the $200 balance that was stolen from the gift card, plus the $5.95 processing fee - total $205.95, reimbursed. I **** accept a replacement card with the balance on it, although I would prefer a check to avoid having to deal with this business any further.

Business Response: Initial Business Response /* (1000, 8, 2015/10/12) */ VIA BBB WEBSITE October 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ******* Dear Ms. **********, On September 18, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from **** ******* with respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On October 2, 2015, our Disputes team was able to resolve Mr. *******'s case. On this date, the amount of the disputed charges was credited to the customer's Visa Gift card. We reached out to the customer and let him know that the funds were now available. Mr. ******* has since used his card for various retail transactions with no further issues. We now consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/27/2015 Problems with Product/Service
10/26/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I bought a Reloadit pack, put into my Reloadit Safe to be posted/transferred to my PayPal Prepaid card. up to present, no money is transferred. On June 13, 2015 I bought Reloadit Pact at Stater Bros., Fontana in the amount of $130.00 . Using my laptop, I inputed the Reloadit Pack Number XXXXXXXXXX into my Reloadit Safe for the money to be transferred to my Paypal Prepaid card number XXXX XXXX XXXX XXXX. After inputting all the data into my Reloadit Safe, a screen appeared which states " your reload is successful". I logged in to my Paypal account to check if the money was transferred, but there was none. I called Reloadit at phone #(XXX)XXX-XXXX the latest was June 10, 2015 informing me that the money was transferred already. I keep on checking my Paypal Account but the money is not there.

Desired Settlement: I need my hard earned money back/refund. I bought the Reloait pack to use it for online business but unfortunately it disappeared into thin air. Please look up into this issue because I did all the things needed to do . I have in my possession , a photo of my Reloadit Safe inputed data and a photo of the screen which says " Your Load is successful ". Please return my hard earned money.

Business Response: Initial Business Response /* (1000, 11, 2015/09/08) */ ***Document Attached*** VIA BBB WEBSITE September 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On August 12, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 13, 2015, Mr. ***** purchased a Reloadit Pack and associated $130 with the Pack. He attempted to transfer the money on this Pack to a prepaid card via the internet the following day. Unfortunately, Mr. ***** appears to have been the victim of a cloned site. He certainly did not go to www.reloadit.com; instead, he went to a site that looked like www.reloadit.com but was not (we have discovered several such sites and continue to contact those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site requires every customer to create a safe using their email address. The Pack is then applied to the safe. A Reloadit Pack was never added to Mr. *****'s safe. Secondly, the website, to which Mr. ***** attempted to load his Pack, offered the option of a "Quick Safe Load". The actual website does not offer this since the safe is the only way in which a Pack may be applied to a prepaid card. Lastly, the Reloadit site never tells the customer to wait 180 minutes (or any amount of time) before their funds **** show up in their prepaid account. We are aware that a number of cloned sites have used a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack. When Mr. ***** entered the Pack number on the cloned site, he gave the fraudsters the information they needed to transfer the money on this Pack to a prepaid card they controlled. By the time Mr. ***** realized that the funds were not on his card, the fraudsters had done just that. The funds were loaded to a third party prepaid card on June 14, 2015. Unfortunately, we cannot provide a refund to Mr. ***** because he gave the Pack number to a criminal. We suggest that he file a police report regarding this matter. If Mr. ***** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 13, 2015/09/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) Dear Reloadit, You said "I lost my money because I gave my pack number to a criminal"... No sir. How do I know the site I went into is a fake or cloned site. It was very clear that the site I went into was www.reloadit.com complete with all Reloadit logo. When the "criminal" applied my pack number to his safe, you can trace to what prepaid card the money went into because every prepaid card has to be registered in your system supplying personal information of the prepaid card owner. If you **** check your record hence you can catch the criminal. You have the obligation therefore to report these anomalies to the police in order that your client **** not lose their hard earned money to criminals. Final Business Response /* (4000, 17, 2015/10/12) */ ***Document Attached*** VIA BBB WEBSITE October 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Rebuttal Dear Ms. **********, On September 22, 2015, Blackhawk received a rebuttal from ******* ***** with respect to our response to his original complaint. We are sorry that Mr. ***** took a loss as a result of a fraudulent website. We are continually making changes to our products in an attempt to safeguard our customers and their money from fraud. Unfortunately, criminals are continually finding new ways to scam innocent people. We are unable to refund Mr. *****, since the funds have been spent. We suggest that he file a police report regarding this matter. If Mr. ***** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/22/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: bought ther prepaid card and wont work i bought there prepaid visa , and when i tried to activate it, there site didn't let me finish registering the card, and when i spoke with them , i was told that i can't use it for nothing except a gift card cause i didn't finish registering it, and when i told them that it cut me off in the middle of it, they told me there is nothing they can do sorry about it,

Desired Settlement: find out why they couldn't fix the issue, cause i feel they ripped me off, this is my first prepaid card, i had to use it as a gift card instead of buying what i wanted

Business Response: Initial Business Response /* (1000, 11, 2015/10/06) */ ***Document Attached*** VIA BBB WEBSITE October 5, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *****, On September 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to his dissatisfaction with the registration process associated with a PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On September 5, 2015, Mr. ****** purchased a PayPower Visa Prepaid Card and loaded $40 on it. That same day, he attempted to activate and register the card. Unfortunately, Mr. ****** did not pass *** Identity Verification (IDV) at the time of registration. As a result, Mr. ****** was unable to reload the card. On September 6, 2015, Mr. ****** made two transactions that left a remaining balance of $0 on the card. We apologize for any inconvenience that Mr. ****** may have experienced. Unfortunately, there is no way to change a card's status once a customer has failed IDV. Since Mr. ****** has spent all of the funds on his card, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Card was delivered with only half the amount promised. Review of the account found fraudulent charges prior to delivery. The card was delivered missing $350 of the promised amount. I reviewed the account and apparently there was a $350 unauthorizedcharge made on the card The card was delivered missing $350 of the promised amount. I reviewed the account and apparently there was a $350 unauthorizedcharge made on the card. I contacted the company at t-mobileprepaidcenter.com (XXX-XXX-XXXX) and they informed me that "we are not responsible for unauthorized transactions." I reviewed the company's policies and in fact they are responsible for fraud.

Desired Settlement: PLEASE REPLACE THE CARD WITH A NEW CARD THAT HAS THE ORIGINAL $700 PROMISED.

Business Response: Initial Business Response /* (1000, 8, 2015/10/02) */ VIA BBB WEBSITE October 2, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *********** On September 10, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to unauthorized charges on a Visa-branded Reward Card ("Reward Card"). Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards. We sincerely apologize for any miscommunication on our part and any inconvenience that Mr. ******** may have experienced. On September 11, 2015, a credit was applied to your card for the entire disputed amount. Our records indicate that the Reward Card has now been fully used. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/20/2015 Guarantee/Warranty Issues
10/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a gift card and Im unable to use it in a timely manner if at all! Today at 1121 am I purchased a Pay Power Reloadit Pack. I put 360.00 dollars on this pack. The system requires you to reload your card online. I try to load the card on the website I already know its a 2 hour delay in time after you purchase the card to use it. So I wait until 1300 to go online. I go to the website and the website is down. I call the number on the back of the reloadit pack and it say's website is down sorry for your inconvience. I called the company through a different costumer service number and I was able to speak to somone who stated their's nothing they can do wait until the website is back up. Otherwise I **** have to wait 30days for a refund. My issue is I need and want to use my money when I want this is the service this company is suppose to provide.

Desired Settlement: To get have a back up system. When their primary system is not funtioning.

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ******* Dear Ms. *****, On August 21, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from **** ******* with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Ms. ******* states that she experienced difficulties transferring the money from her Reloadit Pack to her GPR card via www.reloadit.com. She indicates that the website was continually down; this is not the case. For optimal performance, we suggest using the Google Chrome browser to access www.reloadit.com. Ms. ******* did not provide us with any information (e.g., the Pack number) that would enable us to assist her. We have contacted Ms. ******* several times to offer assistance. Ms. ******* failed to respond and provide any of the requested information that would enable us to do so. As a result, we must assume that this matter has been resolved. We apologize for any inconvenience or delay that Ms. ******* may have experienced. Unless Ms. ******* provides further information, we **** consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I started the complaint my funds were not availiablt to me. It was not until 924pm my funds were available. I immedatly used them to pay my **** I intended to pay earlier. So why now do they need a card number of what was affected. When IN FACT they new the safe was down. They just nedd to come up with a backup plan not to have customers money tied up when their system is down. Thats ridiculous and have better customer service. In fact Im afraid to give them my card number in fear of retaliation. I spoke to Safeway coorprate I was not the only one who called ands complained so BLACKHAWK is aware of their issues and need to fix it. Final Business Response /* (4000, 12, 2015/09/29) */ VIA BBB WEBSITE September 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ******* Rebuttal Dear Ms. **********, On September 21, 2015, we received a rebuttal from **** ******* with respect to our response to her original complaint. We appreciate Ms. *******'s feedback as we are continually striving to improve our products and customer experience. We are happy to hear that Ms. ******* was able to apply her funds to her prepaid card. The Reloadit website is best viewed with Microsoft Internet Explorer 9.0 or higher, Firefox 25.0 or higher, Safari 5.1 or higher, and Chrome 31.0 or higher. Again, we apologize for any inconvenience or delay that Ms. ******* may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 14, 2015/09/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) The matter should not be closed I asked them to come up with a system to fall in place if there safe is down. There safe was down for over 24hrs and whoever needed thier or wanted to spend there money they could not on whatever server they tried to use. This is not right.

10/15/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: This company steals from it's customers. Blackhawk lied to my face to avoid giving me my money back. I purchased four gift cards and then ended up using them myself instead of gifting them as I found better gifts. Two of the cards worked like they are supposed to. The other two had an issue, the same issue; they were being rejected by the merchants. After much research I later discovered that two VERY different merchants (Marshalls and Ulta) and two different cards had the same thing happen. The merchant receives notice that the funds are not available but in fact the transaction went through. Now both cards have little to no money on them. They are rejected everywhere else. I call the 800 number and get nowhere. I call a second time and get someone willing to listen. She instructs me to dismiss the cards, they **** send me replacements and I need to submit a dispute form. I do exactly that. I get two new cards with zero balance (they are supposed to load it when the dispute is resolved). I get two letters a week later. They state that the dispute is outside the 60 days. No, it's not, it's only been about 6 weeks. I call the number and they do the research and say, you are correct, it's not outside the 60 days, please RESUBMIT a dispute form. I ask to speak with someone instead, "I've already submitted the dispute form, obviously you are trying to avoid dealing with this". They tell me there is no one I can talk to. There is another department that deals with disputes and they don't have a phone number. What? That cannot be true. I ask to speak with a supervisor.... same story. Please resubmit your dispute. I already submitted the dispute and you work for the same company! Why do I have to resubmit a form that has already been declined because you are fraudulent and don't want to remedy this? I have spent an enormous amount of time on this at this point for principal mostly. I plan on speaking with my attorney next week. He's currently on vacation but he **** eat this up; I have proof in writing. I ask that the others out there that have had this happen speak up. This isn't an error. If there is no way to contact the dispute department, it is for a reason. You can only submit by fax. I don't even have access to a fax anymore. I had to go to Kinkos when I submitted and then wait for the transmittal for a record that it went through. Stupid.

Desired Settlement: I want two things, I want BlackHawk to contact the merchants and remedy the dispute and load the remainder of the money that I PAID for onto the replacement cards. I also want BlackHawk to do business ethically and not dismiss legitimate complaints to avoid doing their job. I am a hard working college educated single mom who does not forgive companies easily that try to take my time and money away from my son. If I don't get resolution from BlackHawk, I **** get resolution via attorney and media. I'm ****** off!!

Business Response: Initial Business Response /* (1000, 11, 2015/09/29) */ ***Document Attached*** VIA BBB WEBSITE September 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ******* Dear Ms. Buenrostro, On August 28, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******** ******* with respect to disputed charges on her Visa Gift cards. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On September 24, 2015, our Disputes team was able to resolve Ms. *******'s case. On this date, the amount of the disputed charges was credited to the customer's Visa Gift cards. On September 28, 2015, we reached out to the customer and let her know that the funds were now available. Ms. ******* has acknowledged this. The cards can now be used anywhere in the U.S. that Visa Debit is accepted until the funds are depleted. We now consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/15/2015 Guarantee/Warranty Issues
10/14/2015 Problems with Product/Service
10/14/2015 Problems with Product/Service
10/14/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: My card has been blocked for no reason and I am unable to get assistance. On August 13th a block was placed on my Tmobile Prepaid card. When initially talking to someone in risk managment, they told me that my "social security number was assigned to someone else" and to "contact the gorvernment" to get that taken care of. Later in the conversation, after I had successfully answered my identity questions, I was told to submit certain paperwork in order to get the hold lifted. Which I did promptly, only to be told that the person assigned to my case was gone and no one else could help me. In the days that followed, I was advised that they had 3-5 business days to complete their investagation process and someone would be calling me. It was been 15 days since I complied with their requests. I am still being told to "wait for someone to call me", theres "no one that could help" and "theres no manager to help me" and theres nothing I could do. I have been given excuse after excuse as to why the holds still there, why I cant be transfered to risk managment and again "you have to wait"

Desired Settlement: I waant the block taken off my card or for someone to let me know what information they still need to get this resolved.

Business Response: Initial Business Response /* (1000, 8, 2015/09/25) */ VIA BBB WEBSITE September 25, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *********** On August 31, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to a block on her T-Mobile Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ******** had, but her inconvenience resulted from our attempt to protect her and her account. On August 13, 2015, a block was placed on Ms. ********'s account due to a suspicious transaction. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. That same day, Ms. ***** contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informed Ms. ******** that the issue would be escalated to our Risk Department and someone would be in contact with her. Our Risk department was able to properly verify Ms. ********. On September 20, 2015, the block was removed from Ms. ********'s account. As a courtesy, we reversed fees on Ms. ********'s account for a total credit of $12. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/14/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: this company take all your info put throw their system than it come back say it not you every thing . their system lies

Desired Settlement: fix the issue i'm having now

Business Response: Initial Business Response /* (1000, 8, 2015/10/12) */ VIA BBB WEBSITE October 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *********** On September 23, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ******** with respect to a PayPower Prepaid Visa Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On September 14, 2015, Ms. ******** purchased a PayPower Visa Prepaid card and loaded $20 to it at the point of sale. On September 19, 2015, Ms. ******** attempted to register her card, but failed identity verification. A cardholder cannot load additional money to this card until the card has been successfully registered (including passing ******** verification). This is a requirement of federal law. We contacted Ms. ******** and explained that she could spend down the funds on the card by using it anywhere in the United States that Visa Debit is accepted. She chose not to use the card. On September 28, 2015, Ms. ******** requested a refund for her card. We apologize for any inconvenience that Ms. ******** has experienced. We have processed a refund for Ms. ********'s card. Although it generally takes about 30 business days to receive a refund check, a check was issued on September 29, 2015. Ms. ******** should receive the check in 7-10 days. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Identity was stolen. Requested a refund and the supervisor hung up on me. 2 weeks ago, I tried to check my balance on my prepaid credit card and the system stated that it was inactive. I called Sept 10, and the rep told me a new card was mailed out to me. I asked why that my old card didn't expire until 01/18, he stated upon my request, I stated no! So it's been 2 weeks now and still no card. I have my payroll deposited to this card/account, which processes every other Wednesday, which is today. I went online this morning and noticed 4 charges all from today(9/23), balance inquiries in Miami, Florida. I have never been to Miami. So I called them again, and rep stated that they were using the old card and that he was cancelling it. Not a good 10 minutes later, I received an alert staying that $300, was used as a cash withdrawal. I immediately called them back because the rep told me that he had cancelled the card for any other usage. Now in the process of all this, I have my rent automatically withdraw from this account, which **** post tonight. I asked him what address do they have on file, and he gave me a Florida address. I stay in ************, *******, and I've had this card for over a year, never changed addresses, phone numbers, etc. I asked to speak with a supervisor, *****, and I told her my situation is there a way I can be refunded $300 so my rent payment would not be jeopardized, and she claimed I have to submit forms, became very rude when I asked to speak with her boss, and hung up the phone on me. I am very hurt, mad, and disappointed with this situation and I don't want to get put out either. If someone can please contact me at their earliest it **** be greatly appreciated.

Desired Settlement: All I asked is for them to refund the $300 and send me a replacement card in a timely and professional matter or I **** just close it

Business Response: Initial Business Response /* (1000, 8, 2015/10/12) */ VIA BBB WEBSITE October 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ******* Dear Ms. **********, On September 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** Litzey with respect to unauthorized ATM transactions made with her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Unfortunately, Ms. ******* appears to have been the victim of identity theft. On September 14, 2015, someone impersonating Ms. ******* (a fraudster) called our customer service and requested to have her address updated. The fraudster had already stolen Ms. *******'s identity, so she was able to provide all the information required to authenticate her over the phone. Since the customer service agent was able to properly authenticate the caller, the agent made the requested change to Ms. *******'s account. The fraudster then asked for a replacement card and requested the account balance. On September 23, 2015, a direct deposit posted to Ms. *******'s account. Since the fraudster had requested the replacement card, the customer was able to check the balance and withdraw funds from this account via an ATM. Later that day, Ms. ******* contacted us to dispute theunauthorized ATM transactions that had posted to her account. On September 23, 2015, we applied a provisional credit to Ms. *******'s account in the amount of $407.95. We expect to resolve this case no later than November 7, 2015. We **** notify Ms. ******* as to the results. If the dispute is resolved in her favor, then the credit **** remain permanent. As a courtesy, we have reversed fees in the amount of $19.70 on Ms. *******'s account. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) My only concern is **** this happen again?

10/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Unable to get money placed on a prepaid card, credited back to my paypal account I have contact this company several times and it has been almost a year now. I had about $2800.00 moved from my paypal account to my paypower credit card. They placed a hold on this amount pending verification. It took several calls and they denied that I was who they thought I was because I could not remember an exwifes birthday. After that, it was agreed that the money would be placed back into the paypal account in which it came from. To this date, that has not happened and I can not get anyone to verify or talk to me as to why they have not done this as it was agreed. The money on this card is not theirs and should be sent back to where it came from if they are unwilling to release it. In the mean time they have no issues charging me a fee on a card, I can not access or use. I would like all fees refunded and the money that they refuse to release be sent back to the account in which it came from immediately. This is just not right and they have held my money for over a year.

Desired Settlement: I would like the money released to the card or to the pay pal account.

Business Response: Initial Business Response /* (1000, 9, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *****, On August 25, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to a block on his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf the issuer, MetaBank. On January 13, 2015, a block was placed on Mr. ******'s account because of suspicious transaction patterns. Per the Cardholder Agreement: 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. Mr. ******** account showed numerous direct deposits from PayPal for various amounts. This is highly unusual activity and often indicates that the card is being used fraudulently. We do not necessarily believe Mr. ****** used his account to perpetrate fraud. We suspect, however, that Mr. ****** has used his account for business purposes, which is in direct violation of the Cardholder Agreement: Your card account is for personal, family, or household purposes; it may not be used for business purposes. We have completed an identity verification process with Mr. ****** on two separate occasions and he has failed both times. On September 4, 2015, we attempted to contact Mr. ****** to conduct the verification for a third time. Since we were unable to speak with Mr. ******, we have been unable to make any changes to his account status. It is imperative that Mr. ****** contact us between 9am-6pm (CT) and request to speak with someone in our Risk department at his earliest convenience. If Mr. ****** is able to pass *** identity verification, then we **** unblock his account. If Mr. ****** fails to pass **** verification, then we **** issue a refund for the remaining balance on the account to the address to which the account is registered. As a courtesy, we have reversed all of the fees that have posted since the account was blocked for a total credit of $47.60. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) We have tried numerous times to contact Paypower "risk" management and have been placed on hold for over an hour each time to only get disconnected eventually. THIS IS BEYOND LUDICRIS. I do not accept the closing of this case and **** continue to presue this to the full extent. I DEMAND that the refund be issued immediately to the address that was given when opening the card and the card be closed immediately upon the disbursement of the funds. I **** never use a company that apparently has so many issues that their risk management can not even be reach because they have so many issues. I **** NOT CONSIDER THIS CASE CLOSED IN ANY WAY UNTIL I HAVE RECEIVED A COMPLETE DISBURSEMENT OF FUNDS AND I FEEL WE HAVE WAITED MORE THAN LONG ENOUGH AND WOULD EXPECT THIS TO TAKE PLACE IMMEDIATELY. This is the only acceptable resolution to this matter. Final Business Response /* (4000, 15, 2015/10/12) */ ***Document Attached*** VIA BBB WEBSITE October 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Rebuttal Dear Ms. **********, On September 16, 2015, Blackhawk received a rebuttal from ***** ****** with respect to our response to his original complaint. On September 24, 2015, we contacted Mr. ****** and were able to properly identify him and remove the block on his account. We explained to him that his account **** be closed if he continues to use it for business purposes. Mr. ****** has successfully used his card to make purchases and withdraw funds from ATMs with no further issues. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 17, 2015/10/13) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/12/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I have 2 VISA giftcards and cannot remember who gave them to me. Customer Service won't help with how to use them. I discovered 2 VISA giftcards in my wallet from my children's birthday. I called and dvisited the listed website to verify if there was a balance on them still and couldn't verify if they were valid. I called customer service and I was told I wasn't the registered user and they couldn't help me. WHY SELL VISA "GIFT" CARDS THAT THE RECEIPENT CANT USE WITHOUT INFORMATION ABOUT THE REGISTRATION. I asked if the balance would be released to the STATE of California eventually if I just destroy them and I was told NO. I guess the family member that purchased them with never get their money back and we can't use them. It is unethical to sell such a product.

Desired Settlement: Clarification that the business shouldn't advertise and sell a product that restricts the use and collection of funds. THe company how has the money paid for these cards that cannot be used or returned according to their customer service. The funds should be returned to the registered person at the recepients request. Now it's in Gift Card Malls bank account and I nor the gift giver can get the funds.

Business Response: Initial Business Response /* (1000, 10, 2015/09/24) */ ***Document Attached*** VIA BBB WEBSITE September 24, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ************** Dear Ms. *****, On August 25, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ************** with respect to two Visa Gift cards. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. We apologize for any inconvenience that Ms. ************** may have experienced. Our Visa Gift cards are valid anywhere that Visa Debit is accepted within the United States. We have reached out to Ms. ************** on several occasions and requested the card numbers so that we would be able to assist her. We have not received a response from her. We are unable to assist without this information. Unless we receive card information from Ms. **************, we **** consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/12/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: They lost my 2 $200 visa card and promise to send me a replacement with 10 business days, but I still haven't received anything I placed 2 visa gift card on staples.com and handled by gift card mall. However the 2 cards are lost during the shipping, I only received the letter for activation, which is useless without receiving the gift card. The order # are XXXXXXXXXX and XXXXXXXXXX I called gift card mall on 08/08 and they placed a replacement. They promise it **** be shipped within 8-10 business days. I called them today 08/24, which is 2 weeks later. They told me they still haven't processed it. I argued with them, and they just keeping telling me you can only wait. They are unwilling to do any further investigation on this case. So they just tied my $400 for more than a month without giving any explanations. it's their fault and they are unwilling to solve it within the time frame they promised. the reference # is XXXXXXX,

Desired Settlement: Process the replacement within the promised the time. and provide shipping with a tracking Moreover apologize for their arrogant way to process the issue and the super rude phone rep on 08/24

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** **** Dear Ms. *****, On August 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** **** with respect to two Visa Gift cards that he ordered through Staples. Blackhawk fulfills these orders for Staples. On July 26, 2015, Mr. **** placed two orders through Staples for a Visa Gift card. On July 29, 2015, we shipped the orders via USPS First Class Mail. Mr. **** claims that he never received them. We were able to verify that the cards had full balances. Therefore, on August 26, 2015, we deactivated the original cards and issued two new cards. On August 29, 2015, Mr. **** received and activated both cards. That same day, he used the cards at a retail location. We apologize for any delay or inconvenience that Mr. **** may have experienced. We consider this matter to be closed. Please, reach out with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received the replacement, but you can see how long they process the replacement, it took 2 weeks more than the 10 business days they promised even the complaint took them so long to respond And they seems not sorry for that at all. Final Business Response /* (4000, 12, 2015/09/29) */ VIA BBB WEBSITE September 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** **** Rebuttal Dear Ms. **********, On September 21, 2015, we received a rebuttal from *** **** with respect to our response to his original complaint. We sincerely apologize for any delay or inconvenience that Mr. **** may have experienced. We are happy that he received the card that he ordered and appreciate both his patience and feedback in regards to his experience. We consider this matter to be closed. Please, reach out with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/9/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I ordered a gift card from them, they placed my order on hold for so called risk reasons. The emails this company sent stated that my order was on hold, no reasons were given. They told me to call a number by 9-7 or my order would be cancelled. I tried over and over to call the number XXX-XXX-XXXX. Nobody ever answered at any extension. I was able to get a response from the sender finally and they said it was on hold because of a random risk check. I still tried to call that number on multiple days and no answer. I finally went back into my corporate website and tracked down a number through our perk website. I called this company today 9-7 to see what is going on and they said I had to answer some questions: 1. Nearest cross street for the shipping address. 2. How much was the card I ordered for? 3. What would I use the card for? 4. Who did I buy it for? Those were the questons, they are marketing questions, not risk questions! They held my order ransom for marketing reasons, not risk! After i answered the questions they told me the card would be sent out in 24 hours. After the call I went and submitted feedback on my corporate perk website giving the company bad review. 15 minutes later I got an email saying the order was cancelled. I called back into the company to inquire why they cancelled it and they could not tell me anything. They gave me a case number XXXXXXX. I told them to take the charge off of my credit card and they could not, they told me someone **** have to call me to do that later this week...$100

Desired Settlement: I want them to clear the $100 of my credit card.

Business Response: Initial Business Response /* (1000, 5, 2015/09/23) */ VIA BBB WEBSITE September 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *********** On September 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to an order placed on www.giftcardmall.com that was cancelled. This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Mr. ****** may have experienced. On August 27, 2015, Mr. ****** placed an order on www.giftcardmall.com for a $100 gift card. This order was cancelled on September 7, 2015 by our Risk department. At this time, the funds were reversed back to the card on file. Unfortunately, we do not have further information regarding the reason for this cancellation Accordingly, we **** consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/8/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I cannot access $400 dollars deposited into their online bank. Reapeated problems with pre paid card verification, use, website, and customer service I originally purchased a pre paid visa and used it successfully to access my original purchase amount. I then purchased a reloadit pack for $400 to transfer onto the same card. I opened an online safe and the deposit from the reload went immediately into my safe. After several hours I was finally able to attempt the transfer but was unsuccessful. I was told that I now needed to "verify" the original card. This, however, did not work after several tries and having their customer service verify it for me. I was told my identity does not match what they have in their system. I was told to purchase another card in someone else's name and try again. I then began reading countless reviews online about this happening so decided not to bother getting burned again and have asked for a full refund. Their website constantly indicates issues and now I can't even log in to verify my deposit is at least still in the online safe. Now I'm asked, repeatedly, to verify the device I'm using which has never changed. I cannot login at all at this point, cannot access my cash deposit, cannot get any answers from customer service in Central America, etc. I'm told the refund **** "take up to 30 days" and **** be mailed at some point. After reading all the reviews of lost $$ and identical issues with this fraudulent company I have absolutely zero expectation they **** ever return my $400 plus the cost to purchase this product. Nobody is willing to help, including the bank listed on the back of these Visa cards.

Desired Settlement: Deposit my $400 onto my prepaid Visa originally purchased. OR, refund all of it immediately plus the cost to purchase the reloadit pack.

Business Response: Initial Business Response /* (1000, 8, 2015/10/05) */ VIA BBB WEBSITE October 5, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ********* Dear Ms. ******, On September 14, 2015, "Reloadit" received a complaint from **** ********* with respect to a Reloadit Pack. "Reloadit" is a brand name; not a company. Blackhawk Network California, Inc. is the issuer of the Reloadit Pack. On September 2, 2015, Mr. ********* purchased a Reloadit Pack and associated $400 to it. Unfortunately, Mr. ********* was unable to apply the Pack to his prepaid card via www.reloadit.com because he did not pass *** Identity Verification (IDV) process at the time he registered his card. When a customer fails to pass **** the customer may spend down the remaining funds on the card, but cannot take full advantage of the benefits of a prepaid card including reloading funds on the card. On September 11, 2015, Mr. ********* contacted us and requested a refund, since he was unable to use the Pack. We apologize for any inconvenience or delay that Mr. ********* has experienced. We have processed a refund for the full amount of his Reloadit Pack including the purchase fee. He should receive it soon, if he has not already done so. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/10/07) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept based on receiving my full refund. Of course, it was promptly refunded only after this company being contacted by the BBB with a formal complaint. Their response completely eliminates the reality of what this customer had to go through prior to filing a complaint, as a last resort. Yes, my identification could not be "verified" for whatever reason, and yes I was unable to access the funds for that stated purpose. However, what their response fails to even mention is the fact that their website continuously gave error messages, for days and days, and the several customer service reps I was forced to contact at considerable inconvenience to me, were less than helpful...to be kind. Their was absolutely no way, other than waiting for over a month to receive my refund. I had reviewed many online complaints, also with the BBB, that mirrored my issues and nothing seems to have been done about this at all. If their initial response would have been similar to what I rec'd after being forced to file a complaint with the BBB, which I have never had to do before this experience, I would have been more than understanding and no problem. I would caution anyone, everyone, who may purchase this product to have a backup in place, as it is extremely difficult to pay bills with a useless card. To be fair, the card worked fine with my initial purchase amount, however, forget about using one of these 'reloadit' products with any confidence it **** work. Thanks for the refund though.

10/8/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Feb 2015-I required visa card with that was short term use for family member. was sold a PayPowerReload pack by grocery store as they said it would be a good option and less activation fees for an amount larger then $500.00. I did not realiaze it did not have an actually useable card in it, but was a cardboard with code you enter online to load a card that you need to get mailed to you online. I try to get a card mailed to me, but they **** not send to a BOX #. After trying to call (the phone number would not let you go to agent unless you have a card # already, which I could not do). I sent an email then and they then told me to press a code to go directly to an agent...which I have tried of late and that to no longer works..but I finally did get someone and they were going to send it to a street address of a family members as they can not send it to a PO BOX for security reasons. I waited close to a month with no delivery. I called again (July 15th) and they said they would resend it and it would be delivered in 7-10 business days. Today is Aug10th...still nothing. And I am very frustrated.I have spent $ already, but I can not use it, and the customer service of this company I find very poor. I thought with it being a large compay VISA it would have a better help available. Product_Or_Service: PayPower Reload Card

Desired Settlement: DesiredSettlementID: Delivery I would like to get my money off this piece of cardboard, so either a delivery...at this point a UPS delivery would be nice as it has been a 6 month delay...or a refund (the grocery store would not refund it to me)so maybe this company can send it to me.....and much better accessibilty to an agent and more education for consumers before they buy this product.

Business Response: Initial Business Response /* (1000, 15, 2015/09/09) */ ***Document Attached*** VIA BBB WEBSITE September 9, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *****, On August 12, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******* with respect to a Canada PayPower Reload Pack. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for these Packs on behalf of the issuer, All Trans Financial Services Credit Union Ltd. On February 26, 2015, Ms. ******* purchased a Canada PayPower Reload Pack and associated $800 to it. Unfortunately, Ms. ******* was unaware that she needed a Canada PayPower Card in order to use the funds that had been applied to the Pack. On May 7, 2015, Ms. ******* registered for a Canada PayPower Card online. Ms. ******* was unaware that a card could only be shipped to a physical address. Since she does not receive mail at her residence, a card was shipped to this address three times and she never received it. We apologize for any inconvenience or delay that Ms. ******* may have experienced. We have processed a refund for the full amount of her Pack. She should receive a check in 7-10 business days. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 22, 2015/10/08) */ I have received a refund cheque for the full amount on Oct X XXXX. Thanks

10/8/2015 Problems with Product/Service
10/7/2015 Problems with Product/Service
10/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I bought a Reloadit pack to add money to prepaid debit card I'm being told the website I went on to register the card was a scam website shows no cash I bought on 9/3/2015 at 2:36pm $145.00 Reloadit Pack to add money to my prepaid Gianteagle debit card. I followed the instructions in the pack on how to load the money I went to the EXACT website and followed all instructions. When I was finished a window popped up saying do not try to use the card for 180 minutes so 3 hours later I checked to make sure the money was there nothing. I called the Reloadit X-XXX-XXX-XXXX they told me there was no money showing I was scamed. Nothing they could do. I just called the number on the back of my Gianteagle card and spoke with someone who says I was scamed no money is showing and there is nothing Blackhawk can do about it. I asked for a supervisor he told me there was none. He said Blackhawk was not liable and I told him on the back of the Reloadit card it states that "Blackhawk is liable for nondelivery or delayed delivery of funds." His name was ****** and after I told him that he hung-up on me. Before he hung up he said my calls were in the documented notes and anyone I talk to **** tell me the samething. I need my $145.00 refunded by someone.

Desired Settlement: I want my $145.00 refunded. This is just insane.

Business Response: Initial Business Response /* (1000, 10, 2015/09/15) */ VIA BBB WEBSITE September 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On September 9, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On September 3, 2015, Ms. ****** purchased a Reloadit Pack and associated $145 with the Pack. She states that she attempted to transfer the money on her Pack to a prepaid card via the internet and was told that she would need to wait three hours before the money would show up in her prepaid card account. Later that day, Ms. ****** contacted customer service because the funds had not been applied to her card. Unfortunately, Ms. ****** appears to have been the victim of a cloned site. She certainly did not go to www.reloadit.com; instead, she went to a site that looked like www.reloadit.com but was not (we have discoveredseveral such sites and continue to contact those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site never tells the customer to wait three hours (or any amount of time) before their funds **** show up in their prepaid account. We know that a number of cloned sites use a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack. When Ms. ****** entered her Pack number on the cloned site, she gave the fraudsters the information they needed to transfer the money on her Pack to a prepaid card they controlled. By the time Ms. ****** called customer service, the fraudsters had done just that. Unfortunately, we cannot provide a refund to Ms. ****** because she gave the Pack number to a criminal. We suggest that she file a police report regarding this matter. If Ms. ****** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/5/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Reissue reword codes for expired codes Our company(********** in ******* **) started to hire this company to handle employee's reward card this year. I ordered my first gift $75 for bed bath & beyoun store card ( 3 $25)in Jan. 2015. The order# is XXXXXXXXXXXXX. I put all my personnel info to their system. Then I got several rewards for Visa gift cards worth about $250 total. But I did not know those Visa gift card did not go though until I talked to our staff supportor why I did not get my gift card and she help me ordered one and found other reward codes expired already. She gave me contact number (XXXXXXXXXXX) and said to asked them to reissue your reward codes. Since then I called the company five times and they always said it in process need 7~10 busenis day. Last Thursday (8/9/15) I called them give my reffence# (XXXXXXXXX)a lady checked said I transfer you to someone else. I said OK. I waited more than 10 minutes no one talk to me.

Desired Settlement: Delivery my three $25 Bed Bath & Beyone gift card. and reissue my expired reward codes. Because they did not want to give me their address and only gave me the name "Blackhawk network" maybe I put a wrong company for complain but the phone# XXXXXXXXXX is right.

Business Response: Initial Business Response /* (1000, 10, 2015/09/04) */ VIA BBB WEBSITE September 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** *** Dear Ms. *****, On August 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** *** with respect to expired reward codes. Blackhawk's affiliate, Blackhawk Engagement Solutions, manages this program and issues these rewards. Tracking # XXXXXXXXX-$25.00 Exxon Global Rebate for promotion number XX-XXXXX **** ***** *** ordered a $25.00 Exxon Global Reward (Bed Bath & Beyond PPC) as part of an employee offer provided by Exxon Global. The imported file was sent to our fulfillment center on 01-29-15, for processing of the $25.00 Exxon Global Reward. On 05-27-15, 07-14-15, XX-XX-XX and 08-06-15, **** ***** *** contacted our company in regards to the status of the $25.00 Exxon Global Reward. After reviewing correspondence received from **** ***** *** it has been revealed that Exxon Global promotion number XX-XXXXX was cancelled by the client, whom did receive a credit back to their account. However, as a concession to **** ***** *** per our client the original submission was converted to a new submission under tracking # XXXXXXXXX. **** ***** *** **** be receiving the new $25.00 Exxon Global Reward within 2-3 weeks of the issue date. Tracking # XXXXXXXXX-$25.00 Exxon Global Rebate for promotion number XX-XXXXX **** ***** *** ordered a $25.00 Exxon Global Reward (Bed Bath & Beyond PPC) as part of an employee offer provided by Exxon Global. The imported file was sent to our fulfillment center on 01-29-15, for processing of the $25.00 Exxon Global Reward. On 05-27-15, 07-14-15, XX-XX-XX and 08-06-15, **** ***** *** contacted our company in regards to the status of the $25.00 Exxon Global Reward. After reviewing the correspondence received from **** ***** *** it has been revealed that Exxon Global promotion number XX-XXXXX was cancelled by the client, whom did receive a credit back to their account. However, as a concession to **** ***** *** per our client the original submission was converted to a new submission under tracking # XXXXXXXXX. **** ***** *** **** be receiving the new $25.00 Exxon Global Reward within 2-3 weeks of the issue date. Tracking # XXXXXXXXX-$25.00 Exxon Global Rebate for promotion number XX-XXXXX **** ***** *** ordered a $25.00 Exxon Global Reward (Bed Bath & Beyond PPC) as part of an employee offer provided by Exxon Global. The imported file was sent to our fulfillment center on 01-29-15, for processing of the $25.00 Exxon Global Reward. On 05-27-15, 07-14-15, XX-XX-XX and 08-06-15, **** ***** *** contacted our company in regards to the status of the $25.00 Exxon Global Reward. After reviewing the correspondence received from **** ***** *** it has been revealed that Exxon Global promotion number XX-XXXXX was cancelled by the client, whom did receive a credit back to their account. However, as a concession to **** ***** *** per our client the original submission was converted to a new submission under tracking # XXXXXXXXX. **** ***** *** **** be receiving the new $25.00 Exxon Global Reward within 2-3 weeks of the issue date. We do apologize for the delay and inconvenience experienced by **** ***** *** with not receiving her (3) $25.00 Exxon Global Rewards in a timely manner. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 12, 2015/09/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Hi, Ms. *****: Thanks for transferring BlackhawkNetwork's info to me. They only explained my first three Bed Bath and beyond $25 gift card which I already received after you contacted the business. My main concern is my expired gift reward card codes. I have two rewards codes which needs them to reset. One that send to me on Feb. XX XXXX is $50 gift code( code#1yhr4-236Tm-B056z-XXXXX). Enother is $100 gift code which sent to me on April XX XXXX. ( code# is g14V2-***************). I want BlackHawkNetwork to reset those codes for me by email ASAP. Thanks for your effort and help again. Final Business Response /* (4000, 14, 2015/09/17) */ VIA BBB WEBSITE September 17, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** *** Rebuttal Dear Ms. **********, On September 11, 2015, Blackhawk received a complaint from **** ***** *** with respect to our response to her original complaint. On September 11, 2015, the reward codes were reset and sent to the customer via email. The customer should have received them. We apologize for any inconvenience or delay **** ***** *** may have experienced. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

10/1/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Company maybe defrauding customers of their money via their debit card. My card was blocked for unexplained reasons,and kept on promising to release Please unblock this card. Originally it was supposed to be released from August 18th, XXXX XX hours later. After communicating with various people they said it should be un-blocked by Thursday, August 21. It was not, I called Friday and they assured me it would be taken care of by the latest Monday August 24th. That date has come and gone and I was told it **** be cleared up soon. A phone call was supposed to be made to 323-xxx; however they had it with a prefix of (213) by mistake. Then they changed by birth-date. I believe you have a breach in your security system after your computers went down last week. Please UN-block my card ASAP. I await your reply,

Desired Settlement: I would like them to keep everything smooth with their debit card; so I can easily have access to my money via my employer.

Business Response: Initial Business Response /* (1000, 9, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********** Dear Ms. *****: On August 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********** with respect to his PayPower Visa TravelMoney Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On August 18, 2015, we blocked Mr. **********'s account due to suspicious transaction patterns. Per the Cardholder Agreement: 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 August 19, 2015, Mr. ********** contacted us regarding the block. We requested various documents to verify his identity. Since we were unable to successfully confirm his identity, a refund was initiated for the remaining balance on the card. On August 29, 2015, we elected to close Mr. **********'s account. On September 4, 2015, a check was issued to Mr. ********** at the address to which the account was registered. Mr. ********** should receive the check this week if he has not already done so. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/09/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) Dear Ms. *****, I called to notify the company that the computer was down and how long it **** take to get backup and running. The computer glitch changed my birth-date phone number etc with others involved too. The 2nd level department denied the computer glitch while the first level admitted struggling through the computer problems. Just a bizarre mismanaged company on the 2nd level. I do not recommend anyone to work with these people at all. Beware. I finally got a check and they closed my account almost one month later. Aver strange and frustrating experience; especially when one needs access to their money. Best regards, PDB Final Business Response /* (4000, 13, 2015/09/28) */ VIA BBB WEBSITE September 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********** Rebuttal Dear Ms. **********: On September 21, 2015, Blackhawk received a rebuttal from ***** ********** with respect toour response to his original complaint. We sincerely apologize for the delay and inconvenience that Mr. ********** experienced. We are glad to hear that he has received his money. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 15, 2015/10/01) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/1/2015 Problems with Product/Service
10/1/2015 Problems with Product/Service
10/1/2015 Problems with Product/Service
10/1/2015 Problems with Product/Service
9/30/2015 Problems with Product/Service
9/30/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: When attempting to reload a prepaid Visa, they require you to use a sight that has a virtual safe. Always issues with sight leaving money in limbo Purchased a reload pack to load my card for travel and the sight is down, again. There always seems to be an issue monthly with the sight. I **** be closing this account due to frustration but I now have money in limbo and unable to get to.

Desired Settlement: I just want my money and have this substandard company and its practices fixed or shut down.

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** Dear Ms. *****, On August 21, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from **** ****** with respect to applying funds from his Reloadit Pack to his prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On August 19, 2015, Mr. ****** purchased a Reloadit Pack and associated $100 to it. Mr. ****** states that he experienced difficulties accessing the website in order to apply a Reloadit Pack to a prepaid card. Nevertheless, on August 20, 2015, the funds were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. ****** may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/30/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: These products are being actively sold on shelves all the while their system is ' under maintenance ' and all funds are unavailable. No one at Reloadit is available. Their website is not functioning and the phone goes to an automated message. No one at Blackhawk or their affiliates **** respond to an email or give any answer other then ' it **** be fixed in an hour ' by phone. This is seriously impacting my ability to feed my children as the money was sent as emergency funding from family. The people who use the products are the most vulnerable class to be hurt the most by the loss of money.

Desired Settlement: Make my money available that was purchased and cash used to fund the card in good faith that it would be available.

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** **** Dear Ms. *****, On August 24, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from **** **** with respect to applying funds from her Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On August 19, 2015, Ms. **** purchased a Reloadit Pack and associated $300 to it. Ms. **** states that she experienced difficulties accessing the website in order to apply a Reloadit Pack to a prepaid card. Nevertheless, on August 20, 2015, the funds were successfully applied to her prepaid card. We apologize for any inconvenience or delay that Ms. **** *** have experienced. Since Ms. ****'s money was successfully transferred from her Reloadit Pack to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/30/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My account has been put on block for no apparent reason.Iam not able to access any of my funds.I call & they tell me i have to wait 1-3 days This problem started 8-16-15...they are not resolving the problem, just adding to it ADDITIONAL DETAILS: Case is being handled by another organization: PayPower Prepaid Card

Desired Settlement: I want to receive all of my money out of this account. I do not trust this company. I keep getting the run around & no one can call the fraud dept, just email them. There policies seem to be wrong & not properly handled. Poor customer service

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On August 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a block on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ***** had, but her inconvenience resulted from our attempt to protect her and her account. On August 19, 2015, Ms. ***** had an unusually large transaction post to her account. This caused our system to block her card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. The following day, Ms. ***** contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informed Ms. ***** that the issue would be escalated to our Risk Department and someone would be in contact with her. On August 25, 2015, our Risk department contact Ms. ***** and were able to properly verify her. That same day, the block was removed from Ms. *****'s account. As a courtesy, we reversed fees on Ms. *****'s account for a total credit of $21.65 Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/30/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: PayPower has been keeping a hold on my card PayPower has been keeping a hold on my card and I can not get my money off my card. The IRS put my tax refund on this card and I can't even get my money off of it. Every time I call PayPower customer service they tell me something different. First it was that the hold would be taken off by the next day, then they said 2 days, then I was told 3 to 5 days. Every time I call them I get a different story. I have waited long enough. I know it shouldn't take this long because the last time they took this hold off of my card it only took 30 mins. I need my tax refund money off of this card. This all began on August 24, 2015.

Desired Settlement: I want to be able to get my money off of my PayPower Card

Business Response: Initial Business Response /* (1000, 9, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On August 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. A tax refund posted to Mr. *****'s account on August 17, 2015. That same day, our fraud detection systems flagged this as likely fraud and blocked Mr. *****'s account pending additional verification. On August 27, 2015, our Risk Department attempted to verify Mr. *****'s identity. We were unable to properly authenticate Mr. *****. This account has been closed and we are sending the funds back to the IRS via check. We suggest Mr. ***** contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/29/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Told my paypower account is closed and money to issued on remaining balance My card stopped working on August 13, 2015. Sent a inquiry and recieved an email back on August 15, 2015 that I would have a call in response in 1-3 business days over the unblock request that was submitted. No one called. I sent another inquiry about cancelling the card. No one contacted me. I called August 25, 2015 and was told my account was closed and would not be reopened and I could not access my funds and would not get them back. The amount is 245 and some cents. Also told it was because of fraud but not what Had happened. I had tried to use the card numerous times with failure while on vacation thinking it was the ATMs that could be the problem. Couldn't get ahold of any answers as to why by phone and trying automated service was unsuccessful. Unsure what activity was fraudulent in trying to access the money on my card. I find it is unacceptable to be told they could not tell me and that I could not have my money. After I got off phone I went online to cancel the card. Not sure if that **** help but the person I talked to was adamant that I would have no access to the money.

Desired Settlement: Refund on remaining balance.

Business Response: Initial Business Response /* (1000, 11, 2015/09/24) */ ***Document Attached*** VIA BBB WEBSITE September 24, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **************** Dear Ms. *****, On August 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* **************** with respect to the closure of her Canada PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd. On August 11, 2015, Ms. ****************'s account was blocked because of suspicious transactions. We had received an alert from the issuing bank that this account had received unauthorized bank transfers. Per the terms and conditions of Ms. ****************'s card: We may, at any time, suspend your Card and/or your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. On August 21, 2015, we closed Ms. ****************'s account. Since Ms. ****************'s account has been associated with fraud, we **** not reopen the account. We are sending Ms. **************** a check for the remaining balance. She should receive it within 30 days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 13, 2015/09/29) */ (The consumer indicated he/she ACCEPTED the response from the business.) This is satisfactory provided I receive the check. Thank-you for your time and consideration in my inconvenient circumstance.

9/29/2015 Billing/Collection Issues
9/22/2015 Problems with Product/Service
9/22/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Difficulties resolving complaint regarding damaged reload pack. I contacted Paypower customer service at XXXXXXXXXXX to resolve a an issue with a reload pack. For the amount of 200 hundred dollars. They gave me an INC number and told me they would contact me with 1 to 2 buisness days. I called them back again on August 11 and was told that I would be contacted again within 1 to 2 business days. I called them again on the 16 and was told that I had to fax a receipt. I told them that after waiting over a week that I had misplaced the receipt and that all I had was the damaged reload pack and I indicated that I didn't have access to a fax machine. They refused to offer an email address. I have no way of resolving this complaint. I informed them that they where in violation of the Alberta Business commerce act and they contuined to refuse a resolution. This is unacceptable.

Desired Settlement: A full refund of the 200 dollars. An absolute and unbinding appology from the investigator that failed to contact me, customer service manager, and detailed expalnaintion from the customer service how I can be assured that this **** never happen. I would also liked this case to be forwarded to the Alberta solictor general as **** I **** be filing complaint their as well. Paypower is obviously unwilling to respect our laws and should not be allowed to conduct business here.

Business Response: Initial Business Response /* (1000, 10, 2015/09/04) */ VIA BBB WEBSITE September 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On August 18, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to a Canada PayPower Reload Pack. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd. On August 6, 2015, Mr. ******* purchased a Canada PayPower Reload Pack and associated $200 to it. When Mr. ******* 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 it. He was unable to successfully apply the Pack without the PIN. That same day, Mr. ******* called us and requested assistance. We requested copies of the Pack and his receipt to verify him. On August 31, 2015, we were able to properly authenticate Mr. *******. We applied the funds from his Pack to his prepaid card. We apologize for any inconvenience or delay that Mr. ******* may have experienced Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/18/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My transaction at Target store was declined but my 5 gift cards were charged anyway. Blackhawk network did not refund after this. Hi, I bought 5*$200 visa gift cards from BestBuy on July 22nd and used them at Target to reload the American Express Target Prepaid Redcard. The transaction went through and printed a receipt along with an extra page saying "We are sorry! This transaction can't go through right now. Please try again later or contact the card issuer. RECEIPT ID# X-XXXXXXXX-XXXX-XXXX-X" Each of the 5 cards was charged $200 and the balance is 0. The transaction posted as purchase at ******* C *********** (this is the address of Target) in all 5 cards. But the total of $1000 was not posted to the red card. Target customer service recommended me to wait 24h to see if the transaction would go through. On July 23rd I went to Target, the store manager ****** helped me to check the transaction. She found out that the transaction was declined at the time and Target didn't get the money from my cards. Since it had already over 24h, they couldn't reverse the transaction. So I have no choice but to dispute it with Blackhawk. All the cards used in the transaction are XXXXXXXXXXXXXXXX, XXXXXXXXXXXXXXXX, XXXXXXXXXXXXXXXX, XXXXXXXXXXXXXXXX, and XXXXXXXXXXXXXXXX I hope you could help me to get the money ($200) back to each of the 5 cards (total of $1000) as soon as possible. Attached are the dispute forms of 5 cards, a detailed description and the receipts of purchase at BestBuy and Target.

Desired Settlement: I want blackhwak network refund $200 to each of the 5 cards or replaced visa gift cards. That is a total of $1000. Or refund through check.

Business Response: Initial Business Response /* (1000, 8, 2015/09/02) */ VIA BBB WEBSITE August 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. *****, On August 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* **** with respect to disputed charges on his Visa Gift cards. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On July 25, 2015, Mr. **** contacted customer service to dispute a $200 transaction on each of his five Visa Gift cards. On August 21, 2015, chargebacks were processed with the merchant for all of the transactions. We are awaiting resolution of these chargebacks. We sent a letter to Mr. **** explaining that it may take up to 120 days to resolve this dispute. We expect that the chargeback **** be resolved by the first week of October. We **** be in contact with Mr. **** regarding this matter once the chargebacks have been resolved. If they are resolved in his favor, we **** credit the $200 back to each of his gift cards. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/18/2015 Problems with Product/Service
9/17/2015 Problems with Product/Service | Read Complaint Details
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Complaint: IRS refund deposited on prepaid debit card, cancelled card and requested funds to be returned to IRS. The funds have never been returned. Refund filed Feb 2, Deposited in to bank account NO: XXXXXXXXXXXXXXXXX routing no: XXXXXXXXX. Funds in the amount of $9,066.00 were received by Bancorp (third party vendor by above account number) on Feb. 17, 2015. This has been verified by trace no: XXXXXXXXX-XXXXXX by the IRS. No further requests have been made on the account in question as known by third party bank Bancorp. They are only allowed to see direct deposits associated with account. Upon receiving my card in the mail I called the pay power customer service line and attempted to activate the card. They stated that the amount in question required an 3-5 business day security clearance hold on the card. I then had to answer a 60 question multiple choice questionnaire to secure my identity. Then was told to wait 3-5 business days for a phone call back from them to lift the security hold. The call never came. I called back several times with no relief. On March 5 I reported my card lost or stolen and cancelled my account. At that time I was then told after over any hour on the phone trying to get my card cancelled that my security clearance had been lifted and they could issue me a new card in 3-5 business days I would receive it in the mail. I asked if this card would have the same security protocol and they said yes. At this time I denied the new card issuance and requested the money to go back to the IRS. They said that would be no problem but it would take 20 days. I called the IRS on day 20 to check on the return of my return and was told it never happened. I called back both parties several times until I was finally told that on Apr 17 the money was approved to go back to the IRS and after it still hadn't arrived by May 20 I called both parties back again to find out that according to pay power it was sent back on May 12. The IRS still has not received the money and according to Bancorp they have no records of any transactions on the account aside from the initial direct deposit. Today is July 30, 2015 and I still have no resolution.

Desired Settlement: I would like either my money to be sent to my personal bank account or sent back to the IRS as promised with transaction number and account number from which it is sent and to which it was received.

Business Response: Initial Business Response /* (1000, 12, 2015/08/28) */ VIA BBB WEBSITE August 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *****, On August 3, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to an IRS refund that was credited to her PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On February 12, 2015, Ms. ****** had an unusually large tax refund posted to her account. This caused our system to block her card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On March 20, 2015, our Risk department was able to remove the block on the account based on identity verification. That same day, Ms. ****** requested that the account be closed and the funds returned to the IRS. On June 2, 2015, a check, which included the funds from Ms. ******'s account, was issued to the IRS. This check, #XXXXXX, was received and cashed by the IRS on June 11, 2015. We apologize for any inconvenience that Ms. ****** may have experienced. We suggest that Ms. ****** contact the IRS regarding this refund. We are unable to offer any further assistance since we no longer have this money. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 14, 2015/08/31) */ (The consumer indicated he/she DID NOT accept the response from the business.) BBB, The check that was sent back to the IRS not only took greater than the time quoted of 20 days it did in fact take 87 days, also the company sent a check in the name of me and several other tax payers with similar issues with the company. This caused the IRS to have a processing delay. If I hadn't of went through all of the steps with the complaint process and filing for a tax payer advocate it is unclear whether or not my money would have ever been found in the paper trail. This is a faulty system. Furthermore, when speaking to the card company on multiple occasions I was given several different dates, none of which were June the first as a check issuance date, therefore, I was misled. Through normal channels with the IRS and the card company my money was LOST! I feel this is inexcusable! There is nothing more this company can do, however, I do warn anyone else in doing business with PAYPOWER prepaid card services. Thanks for all of your help in dealing with my issue. Final Business Response /* (4000, 17, 2015/09/15) */ VIA BBB WEBSITE September 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Rebuttal Dear Ms. *****, On September 1, 2015, Blackhawk received a rebuttal from ***** ****** with respect to our response to her original complaint. On June 2, 2015, we issued a check to the IRS which included the tax refund from Ms. ******'s account. The IRS cashed this check on June 11, 2015. We apologize for any inconvenience or delay that Ms. ****** may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 19, 2015/09/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) With all do respect to the BBB: There is no resolution this company can make to accommodate my hardship that has affected me and my family because of this companies lack of professionalism. This money may or may not ever reach my door step and it has taken me countless hours of research, phone calls, and investigating to get even this close to my refund that I, as a tax payer deserve. This was not a simple 50 dollar loss, this was 9,066 dollars of federal monies that the company claimed they sent back in APRIL! They closed my case with out sending my money back, and I had to reopen the case and stir up a bee hive of outside investigations in order for them to give my money back. This has been a nightmare as far a business deals are concerned. There is no excuse for their lack of professionalism when dealing with any person's money, no matter the amount, every dollar counts. I know there is nothing more this company can do for me, and thank goodness for that.

9/16/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: My company purchased gift cards through this company. Gift card expire and they charge to send out replacement cards. They only take peoples money My company purchased gift card for their employees through MyPrepaidCenter which is one of Blackhawk Networking's companies. They card state that the funds do not expire. However the card itself has a expiration date. Once that expiration date has passed *** essentially have no access to the funds. Therefore as a secondary function of the card the funds in essence do expire. You can call their customer service and they **** replace the expired card for a fee of $15 which is deducted from the balance on the card. It take 30 days to receive the card. Additionally after the expiration date they start charging you a monthly maintenance fee of 3.95. So they continue to take your money while you wait for your new card and they charge to replace the card. You may as well say you gave Blackhawk Network fee money.

Desired Settlement: I want to total amount of the funds placed back on the gift card.

Business Response: Initial Business Response /* (1000, 8, 2015/08/31) */ VIA BBB WEBSITE August 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. *****, On August 6, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* **** with respect to the expiration and post-expiration reissuance fees of his Visa-branded Reward Card ("Reward Card") that was given to him as part of a consumer promotion. The Reward Card was part of a loyalty, award, or promotional program. Blackhawk's affiliate, Blackhawk Engagement Solutions, is the program manager for this Reward Card on behalf of the issuer, MetaBank. On October 3, 2014, the Reward Card was issued in the amount of $60. The Reward Card was attached to a carrier, which contained information about the Reward Card and tips for usage. The Reward Card was also accompanied by a written Cardholder Agreement. Both the carrier and the Cardholder Agreement stated that after the twelfth month from the date of issue and pursuant to the valid thru date indicated on the face of the Reward Card, the Reward Card plastic expired. As disclosed on the card, the funds do not expire and can be accessed after the plastic expires. Customer satisfaction is a priority for us. We make every effort to ensure cardholders are aware of card limitations. We clearly disclose the limitations in all Reward Card materials. Specific to the Reward Card that Mr. **** received, clear disclosures regarding the valid thru date are located on the Reward Card face in 10 point font, on the Reward Card back, on the front and back sides of the carrier attached to the Reward Card as well as the terms and conditions accompanying the Reward Card, by phone via our Customer Service number, and on the website that supports the Reward Card at the address found on the Reward Card back. The monthly maintenance fee that begins following expiration of the plastic is disclosed on the back of the Card. Other fees applicable to the Reward Card, including the post expiration replacement fee applicable when an expired Reward Card is reissued, are disclosed in the Reward Card terms and conditions, and appear on the back of the Reward Card carrier. Please note that once the replacement Reward Card has been requested, we do not apply the monthly maintenance fee again. It is our intent that our cardholders have a positive experience with the Reward Cards that we issue and program manage. We make the disclosures regarding the Reward Card limits clear and conspicuous to the recipient to promote a positive experience. If Mr. **** would like to request the remaining balance of his card ending in ********* subject to the replacement fee, then he may contact the number on the back of his Reward Card. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/16/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: reloadit has money packs i purchased in two transactions a total of $300 as well as 3.95x2 purchase price **** not refund or give access to funds there is no contact info other than phone number and i cant reach anyone there. these reloadit money packs are in many stores and this company is not reputable if i had known they were rip off artiest i would not have used this service. I live in a homeless shelter and lost my home and professional license as a result of doing business with this company! i would like this issue resolved but moreover i would like it to be some entity that protects us all from this kind of fraud. blackhawk inc. is a company that exhists nowhere except fraud and complaint web sites yet they are selling products in many major chain stores like walgreens and safeway i plan to voice my complaints with these companies to wondering if they know who they are doing buisness with! i have 200$ in my reloadit safe but have been tryng for several weeks to use the system to access these funds to no avail. they always say they are having technical difficulties!

Desired Settlement: i would like the service originally offered and my funds loaded to my card on record. I may consider this matter closed if they refund my 300$ plus the two 3.95 fees if they refund the amount in the form of a travels check or money order

Business Response: Initial Business Response /* (1000, 5, 2015/08/06) */ The complainant has filed against the wrong company. Blackhawk Claims Service, administrates auto claims for insurance companies. Final Business Response /* (1000, 14, 2015/08/31) */ VIA BBB WEBSITE August 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On August 7, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ***** with respect to applying funds from her Reloadit Packs to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Ms. Techau states that she experienced difficulties applying her Reloadit Packs to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. Ms. ***** states in her complaint that she purchased two Reloadit Packs. She applied $100 to one and $200 to the other. Unfortunately, Ms. ***** appears to have been the victim of a cloned site in regards to the $100 Pack. She certainly did not go to www.reloadit.com; instead, she went to a site that looked like www.reloadit.com but was not (we have discovered several such sites in the past and continue to contact those sites' hosts to request that the sites be take down as soon as we are made aware of them; nevertheless, they keep popping up). We are positive that this is the case because the actual Reloadit site requires every customer to create a safe or log into their safe using their email address. The Pack is then applied to the safe. In this case, Ms. *****'s $100 Pack was never applied to her safe. When Ms. ***** entered the Pack number on the cloned site, she gave the fraudsters the information they needed to transfer the money on this Pack to a prepaid card that they controlled. By the time Ms. ***** realized that the funds were not on her card or in her safe, the fraudsters had done just that. We suggest that Ms. ***** file a police report in regards to this matter. We **** assist law enforcement in their efforts to apprehend the perpetrators. On July 8, 2015, Ms. ***** purchased the $200 Reloadit Pack. Unfortunately, the card to which Ms. ***** initially attempted to load the funds was not compatible with the Reloadit product. On August 7, 2015, we reached out to Ms. ***** and provided her a link that listed all of the Reloadit Partners. On August 11, 2015, the funds were successfully applied to a prepaid card that is a Reloadit prepaid partner. We apologize for any inconvenience or delay that Ms. ***** may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Paypower sent me numerous emails saying I should have received my personalized card and I never did. I purchased a paypower prepaid debit card July 24, 2015. Five days later I received an email stating I should have received my card. When I contacted paypower they told me the email was false. After ten days I still did not receive my card. Paypower charged me $5.00 for a service fee but I never received services.

Desired Settlement: I ask that I receive a refund plus money for waiting and the hassle. A fair amount would be $100.00.

Business Response: Initial Business Response /* (1000, 8, 2015/08/31) */ VIA BBB WEBSITE August 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******** Dear Ms. *****, On August 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******** with respect to his dissatisfaction with his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On July 24, 2015, Mr. ******** purchased a PayPower Visa Prepaid Card. That same day, Mr. ******** successfully registered the card in his name which caused a personalized card to be auto-generated. It usually takes 7-10 business days for this card to be received. Unfortunately, Mr. ******** never received the card. On August 8, 2015, Mr. ******** called to report this. We issued a replacement card via expedited delivery at no cost to the customer and reversed a monthly maintenance fee for a total credit of $30.95. On August 14, 2015, Mr. ******** received his personalized card and activated it. He has since used the card to make purchases at retail locations without any further issues. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/16/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Purchased $120 reloadit pack and was unable to load on day 1. day2, website is completely gone and nobody on their 888 number, where is my $120? I purchased a Reloadit pack, which is owned by this company, and was going to load my NetSpend card. I have done this in the past with the Reloadit pack and a NetCSpend card. I purchased the correct pack (at least I thought) and it says NetSpend on the packaging, nothing else about the NetSpend card just that you can reload it. Great, I logged in with my previous account with Reloadit, but this time I have a different card, so I understand there is a waiting period to load the card into the system for reload. I waited over 12w hours, then went to reload, and it kept giving an error. I called customer service and was put on hold. then I was told oh, that is not a card we support. I don't understand because it is the same brand written on their packaging. I asked for more explaination and was hung up on. I decided to try a different card, I went and purchased another one, and by the time I go to their website (by the next morning) the website is gone, their 888 customer service number gives an error that their entire system is down for maintenance, and hangs up. I am currently homeless and have been in and out of hotels, I needed that $120 to purchase a hotel room for a few days and I needed to put it ont he card to get a cheap online deal. Basically, I am pretty much screwed and do not know how to get my money. I cannot wait days on end I am struggling as it is. I want to let you know I do not have an addres, the address above is that of a friend so if anything needs to be mailed to me, please email me or call and I can give you the address of the hotel I am currently at to receive mail. Thank you, and please help. I assume there are a lot of people out there with similar situations not able to access their funds. I did a google search and this morning along there are like 200 complaints on some message boards, some people are out hundreds and hundreds, way more than I am, and this isjust not a way to conduct business no matter what the circumstance. If they really are doing maintenance, they should have a back up server to work on assisting current customers, or at least a number where we can contact somebody and find out what is going on. Thanks

Desired Settlement: I don't care how, but I want my $120. I have my reloadit pack still, although I have loaded it into what they call the "safe" online. I can provide the pack number or my safe information, whichever or both. I would prefer the money be made available on one of my prepaid cards so I can access it ASAP, I need it like yesterday. If I can get my money back I would be satisfied with the resolution, and it would be good to get a refund for the fee to purchase the pack. Either way, I am never going to do business with Reloadit again.

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On August 21, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ***** with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On August 13, 2015, Ms. ***** purchased a Reloadit Pack and associated $120 to it. Ms. ***** states that she experienced difficulties applying the Pack to her prepaid card and accessing the website. She initially attempted to load the Pack to a prepaid card, but the load was rejected by the card company and the funds reversed back to the Pack. On August 20, 2015, the funds were successfully applied to a different prepaid card. We apologize for any inconvenience or delay that Ms. ***** may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/09/15) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/16/2015 Problems with Product/Service
9/15/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Account with funds was blocked for no apparent reason. Customer Services wasn't very helpful On Friday 8/21/15 I used my Visa Pre-paid debit card to make a purchase of 1001.65 at the post office. After I went to the post office I went to purchase a new phone and my card was declined. I checked my balance and had more than enough money to purchase the phone.When I called customer service and was on hold for 40-60 minutes, I was told by a rep that my card was blocked b/c of the large purchase at the post office. I was told that I would have to wait 1-3 business days for someone to call me and for my funds to be unblocked. I asked to speak to a supervisor and the supervisor then told that he would escalate the issue to the risk department and that my funds would be unblocked btwn 1-3 business days. I called customer service back today 8/25/15 and was told that the risk dept was backed up and I would now have to wait 3-5 business days for someone to call me. I then asked to speak to a supervisor again and was told by the supervisor Alex that the csr Carmen was wrong and that I should have access to my funds by Thursday 8/27/15. I explained to him that I don't think this is right because my funds should have never been blocked in the first place. PLEASE HELP

Desired Settlement: I would like my card unblocked immediately!!

Business Response: Initial Business Response /* (1000, 8, 2015/09/14) */ VIA BBB WEBSITE September 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On August 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a block on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for the negative experience Ms. ***** had, but her inconvenience resulted from our attempt to protect her and her account. On August 21, 2015, Ms. ***** had an unusually large transaction post to her account. This caused our system to block her card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. That same day, Ms. ***** contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informed Ms. ***** that the issue would be escalated to our Risk Department and someone would be in contact with her. On August 26, 2015, our Risk department contacted Ms. ***** and was able to properly verify her. That same day, the block was removed from Ms. *****'s account. As a courtesy, we reversed fees on Ms. *****'s account for a total credit of $21.65 Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/09/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I do accept that the complaint was resolved. My account was unblocked on 8/26/2015 and the fees were refunded. However I **** no longer use Paypower Visa PrePaid due to this unacceptable experience. Thank you BBB for assisting with this matter.

9/15/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: This company has denied a Regulation E claim of mine for nearly 37 unauthorized transactions for approximately $1,000. This is fraud and want my money This company has denied a Regulation E claim of mine for nearly 37 unauthorized transactions for approximately $1,000. This is fraud and want my money back. They can call me, ****** *******, at XXX XXX XXXX if they would like to reolve this amicably before the litigation starts. The last four of my SS# are ****.

Desired Settlement: Refund of nearly $1,000.00

Business Response: Initial Business Response /* (1000, 10, 2015/08/28) */ ***Document Attached*** VIA BBB WEBSITE August 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On July 30, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to unauthorized charges on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On July 3, 2015, Mr. ******* contacted us to dispute 39 transactions totaling $1059.85 that were made on an account for which he is not the primary cardholder. It generally takes 45-90 days for disputes to be resolved. On July 14, 2015, the dispute was closed. Based on the information and documentation provided by Mr. ******* in conjunction with Visa operating instructions and the terms and conditions of the card, it was determined that no error took place. That same day, we sent the customer a letter stating this and another letter stating that we were exercising our right to close the account. As stated in the cardholder agreement: We may cancel or suspend your Card or this Agreement at any time for any reason (for example, if we suspect fraud or unauthorized activity on your Card Account). This account, to which Mr. ******* was an authorized user, was officially closed on July 22, 2015. We **** process a refund for the remaining balance and send it to the primary cardholder. This check should be received in 30 business days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/15/2015 Problems with Product/Service | Read Complaint Details
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Complaint: i needed the my reloadit account to be refunded, it was not activated yet. its been over 2 months and half dozen phone call and still nothing. I was a victim of a fraud case, luckily I was able to block the card before the scammers took the money. When I called reloadit, they asked for all of my information and proof of purchases. I was asked to email all the information to an specific customer service email address then the process of refunding **** start and it **** take upto 30 days. A month and a week later, I called the company again. the rep said they never received the email. she asked me to spelled out the email account for her and everything was correct. she asked me to resend the email and check back in couple days. A couple days later(today), I called again. The another customer service agent told me that they have no way to check if they received the email. now I have to call back in few days again to see if they got the email, why wouldn't they just have a email confirmation system. its probably gong to take me 4 month and another dozen phone calls to figure whats going on. This is a failed system and they need to fix it. Shouldn't have to wait Months to get your refund.

Desired Settlement: I need to have my refund back. The company need to fix its own flaws.

Business Response: Initial Business Response /* (1000, 10, 2015/08/28) */ ***Document Attached*** VIA BBB WEBSITE August 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** **** Dear Ms. *****, On July 31, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** **** with respect to two Reloadit Packs that he purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 20, 2015, Mr. **** purchased two Reloadit Packs as the result of a scam. That same day, he suspected fraud and contacted customer service. We were able to block the Packs from use before the fraudster could apply the funds. In order to verify Mr. **** as the purchaser of the Packs, we requested documentation, which we received on July 31, 2015. Once the documentation was received, we processed and approved his refund. A check for the full amount of both Packs was issued on August 11, 2015. Mr. **** should have received it by now. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

9/14/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Blackhawk Network locked my reloadable debit card. Blackhawk Network locked my reloadable debit card, without cause, contact, or reason, immediately AFTER I loaded almost $1000 to the account. ADDITIONAL DETAILS: Case is being handled by another organization: FDIC

Desired Settlement: I want my card, XXXX XXXX XXXX XXXX, unlocked immediately so I can use the card and have access to MY MONEY.

Business Response: Initial Business Response /* (1000, 6, 2015/09/11) */ VIA BBB WEBSITE September 11, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On August 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a block on his T-Mobile Visa Prepaid Card. Blackhawk'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 account. The 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 money. This is often referred to as "points boosting". Mr. ***** had been previously warned that his accounts would be closed if he continued to use them in this manner. Since the activity continued, this account and all of the other accounts registered in his name have been closed. A refund was issued for $1,506.30 on September 2, 2015. Mr. ***** should receive the check soon if he has not already done so. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 8, 2015/09/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/10/2015 Problems with Product/Service
9/10/2015 Problems with Product/Service
9/9/2015 Problems with Product/Service
9/8/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I need use of my money or a refund of my money! I filed a case with the Consumer Financial Protection Bureau because of your call center lack of response to my missing money. Perhaps someone can take responsibility before this case makes it way to your desk via delivery from the Consumer Financial Protection Bureau. Here are the details I purchased a $500 reload pack from Winn Dixie on July 26, 2015 and proceeded to load it onto Reload's website. It loaded just fine and I went to transfer to my prepaid card as per normal and it did not load properly. Their website was having technical issues. The next day I logged in and my money was missing. As you can see from the evidence, the reload pack number in question is not on the transaction history like all the others. Reload's excuse is "it happens" I have been in contact with both several times ReloadIt XXX XXX XXXX and Netspend XXX XXX XXXX and they both keep blaming the other for this missing money. The reload pack number is XXXXXXXXXXXXXXXXXXX and reload pack number is XXXXXXXXXX the netspend prepaid card number that I transferred it to is XXXXXXXXXXXXXXXX I need somebody to contact these banks and work it out so that I can use of my funds or have it all refunded back to me in the form of a check. I can be reached by telephone XXX XXX XXXX

Desired Settlement: Refund of my money

Business Response: Initial Business Response /* (1000, 8, 2015/09/08) */ VIA BBB WEBSITE September 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *****, On August 17, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ****** with respect to applying funds from his Reloadit Pack to his prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On July 17, 2015, Mr. ****** purchased a Reloadit Pack and associated $500 to it. On July 26, 2015, Mr. ****** attempted to load the Pack to his prepaid card. The card issuer rejected the load, however, because Mr. ****** had exceeded the daily load limit. When this happens, the money is supposed to remain on the Pack. In this case, for some reason, it did not. When we received Mr. ******'s complaint, we contacted his prepaid card company and manually loaded the money to his card. They confirmed that the Pack was successfully applied on August 18, 2015. That same day, we notified Mr. ****** that this matter had been resolved. We apologize for any inconvenience or delay that Mr. ****** may have experienced. Since the money from the Reloadit Pack was credited properly to Mr. ******'s prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/09/08) */ 9-8-15 Sent email to consumer: On 9/8/15, ****** ***** <******@bbbemail.org> wrote: > Good afternoon, > > I am in review of your complaint. Has your issue with Blackhawk > Network, Inc. been resolved? > > Kind regards, > > ****** *****, Dispute Resolution Specialist ******************************************** 9-8-15 Sent via email from consumer: ***** ****** <*****************@gmail.com> Yes, it has. Thank you for following up. Should there be a need to reopen it I **** file another complaint.

9/4/2015 Problems with Product/Service
9/4/2015 Problems with Product/Service
9/3/2015 Problems with Product/Service
9/3/2015 Problems with Product/Service
9/2/2015 Problems with Product/Service
9/2/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Paypower Closed Account without notification, I've called 7/18/2015 was told to call again 7/19/2015, told me to call again. Amount $8,149.47 on card. My Paypower card stopped working I believe on 07/14/2015(last transaction). I tried calling Paypower at their hotline on the back of the card(X-XXX-XXX-XXXX), they forwarded me to the 'risk department' which was down when I was forwarded, saying the Risk department put a block on my card. I ended up having to call for 3 days, because every time I called the risk department the hotline was down, and/or their voicemail was full. I got a ticket created on 07/18/2015 for reference and was told to call back the next day as the person was not working on my case was available. I call again on 07/19/2015 and the employee got me in contact with the risk department somehow and connected me to them even though when I called it was down. They tell me my card is not blocked but in fact it is closed and that I may or may not receive a check in the mail and that I have to call back the next DAY AGAIN on 07/20/2015 to talk to the person who is doing my case who should be working that day when I was told they should be working these other days and they weren't. Not to mention the person I talked to in the risk department was very rude. I have a total of $8,149.47 on my card ending in 2754. Which I currently have no access to, although when I login on my paypower account it says the card has the status of 'open' which is very deceiving. - http://gyazo.com/c5b3abfXXXXXXebXXXXXXXae6fXXXXXX If need to be I **** get a lawyer in a day or two if this continues to be delayed with them and hold on to my money like they are gaining interest while I am not as I'm using their services. I violated nothing in their Card Terms Service agreement as well as I have read the whole agreement. My ticket reference is: IncXXXXXXX

Desired Settlement: I would like a check/refund IMMEDIATELY sent to my address attached to the prepaid debit card or I **** be getting in contact with a lawyer by 07/21/2015 to expedite this as my money as been on hold for nearly a week.

Business Response: Initial Business Response /* (1000, 10, 2015/08/17) */ ***Document Attached*** VIA BBB WEBSITE August 17, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On July 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to the closure of his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf the issuer, MetaBank. On July 15, 2015, Mr. *****'s account was closed because of suspicious transaction patterns. Per the terms and conditions of Mr. *****'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. Mr. *****'s account showed numerous loads from Reloadit Packs purchased all across the country, followed by ATM withdrawals and transactions at the local post office. This is highly unusual activity and often indicates that the card is being used fraudulently. We do not believe Mr. ***** used his account to perpetrate fraud. We suspect, however, that Mr. ***** is using his account for business purposes, which is in direct violation of the Terms and Conditions of the card: Your card account is for personal, family, or household purposes; it may not be used for business purposes. Mr. ***** has one other PayPower accounts with similar activity. Both accounts have been closed. A refund for the full remaining balance of each account **** be issued to Mr. *****. He should receive the checks by the end of the month. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/27/2015 Problems with Product/Service
8/26/2015 Problems with Product/Service
8/26/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I bought 3 reloadit cards for $500 each, two of them were used and I have tried to get a refund from the 3rd one since June 17. I'm getting nowhere. On June 16 I bought 3 reloadit cards at a ****** in **********, Mo to pay for an item online. The next day, the 17, I learned it was a scam so I called the reloadit services (X-XXX-XXX-XXXX)to see what could be done. The told me that two of the cards were empty and that 1 still had the money on it, I was given the option to have it put on a new card or a refund check could be sent to me. I asked for a refund check and was told to send certain information through a fax, like proof that I had bought the cards, the pictures of the cards themselves, proof of who I was (sent picture of my licenses), and the confirmation # they gave me. After I did all of that as soon as possible my money would come in the mail in 30 days or so. They said nothing about calling me or anything. June 19 I sent everything they wanted through the fax. I then waited for my check to come in but on June 23 I received a call from an unknown # (XXX-XXXX-XXXX)that I missed their was no message and when I tried to call back the call wouldn't go through. I continued to wait for the check to come, after I had waited 40 days I called the (888) # on July 27, told them the same thing I did the first time, they then told me that because I hadn't answered they closed my case. I tried to tell them that from where I live I get poor cell service. I was then given a new case # (INCXXXXXXX)and that my licenses was not clear enough for them to see. I was then given an email account (************@bhnet.com) to send a better picture of my licenses to them they told me I could call back some time next week to see if they had received it. A few hours later I sent the email to the email account they had given me. I then called on August 4 to see if they had received my email I was told my case had been closed again because I hadn't received their call and was given a new case # INCXXXXXXX I told them again that I had poor cell service at home they told me they would make note of it this time as the reason I hadn't come to the phone before. They told me that they would call me in the next 1 to 3 business days. I made sure that I was in better cell service areas and on August 7 I received a call from the *** # which I now know is their # as well. I was told again that my picture wasn't clear I told them I had sent an email to the account I was given they looked but could not find it, when I was told to send a new email I learned that the account I was given before was wrong and that this account was supposedly the correct email account (************@bhnetwork.com)They said that once they had received the email they would call me back but there was no call back. On August 8 I called the 888 # because the *** # would never go through for me to see if the email had gone through they had no idea because they said a different department took care of that sort of thing. It is August 10 and I still have not received a phone call from the *** #. I got irritated so I looked the email account up and learned that it is still wrong. I saw other reviews discrediting the reloadit services and that one should contact Black Hawk email ***************@bhnetwork.com I then sent the same email of my licenses to them earlier today. I also saw that I could make a complaint to the BBB and I have. Thank You Very Much, PLEASE HELP ME. Sincerely ***** ****

Desired Settlement: All I want is MY $500 returned to me promptly because I have been dealing with this since June 17. I am tied of the run around, I have tried to give all the necessary information I just want MY $500 back.

Business Response: Final Consumer Response /* (2000, 6, 2015/08/26) */ I received a check in the mail for my $500 refund from Blackhawk Network, Inc. I am pleased with the outcome and just wanted to thank you very much for what you did. I consider this case closed. Thank You.

8/26/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: **** not return my balance on a cancelled prepaid credit card bought from this company! 2/19/2015 the amount 4426.12 I had my irs refund deposited onto A prepaid Visa Card that I purchased from this company. there was a security problem with transaction. the refund is supposed to be sent back to the IRS. as of today it has yet to be done. deposit to them on February 19th 2015. paypower is the first company blackhawk is parent company. I have spoken to both companies to no avail they both say the money is about to be sent! its been over 8 weeks

Desired Settlement: I want my 4426.12 returned to the IRS.

Business Response: Initial Business Response /* (1000, 5, 2015/05/28) */ VIA BBB WEBSITE May 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *****, On May 19, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******* with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On February 7, 2015, Mr. ******* purchased a PayPower card at a local supermarket. He filed his taxes and requested that his refund be applied to this card. On February 16, 2015, Mr. *******' tax refund was deposited to this account. Our fraud detection systems flagged this transaction as suspected fraud, so we placed a block on the card. The next day, Mr. ******* contacted customer service to have the block removed. He was transferred to our Risk department to verify his identity. Unfortunately, Mr. ******* was not able to pass the identity verification questions. Since we were unable to identify Mr. *******, the funds were sent back to the IRS, on May 27, 2015. Mr. ******* should contact them regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 12, 2015/06/25) */ Nothing has happened on this complaint I am still waiting for them to send the money to the IRS. They allegedly have sent the money, as of today 06/23/2015 the irs has no record of it. Final Business Response /* (4000, 14, 2015/07/13) */ VIA BBB WEBSITE July 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Rebuttal Dear Ms. *****, On June 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ***** ******* in regards to our response to his original complaint. Since we were unable to identify Mr. *******, the funds were sent back to the IRS, on May 27, 2015. This check has been cashed. Mr. ******* should direct any questions or concerns to the IRS directly as we no longer have the money related to this refund. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 16, 2015/07/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I contacted the irs again today 07/14/2015. No money on my account. If they can show me proof that irs has my money I **** be ok. I need hard proof like copy of cancelled check, transaction number, routing number. Blackhawk simply saying it has happened is not acceptable. They have had my 4426.12 since February 19, 2015 until 07/14/2015. 145 days. They still have it. With interest they now owe me 5500.00! I **** file a complaint to Visa, and United Supermarkets who sold me the card locally with my BBB office here in the morning. I file suit on all parties involved on 08/01/2015. I hope to resolve this before then!

8/24/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Continuous website malfunctions concerning reloadit packs. Funds are not available yet again. I purchased a reloadit pack on 06/26/2015 for 150$ at *********** in ************* . In order to apply the funds to my Paypower reload able Visa card you must first go online to reloadit safe account. This website rarely works, it seems to be having "technical difficulties". When I called customer service on 6/26 I was told I would be able to apply my funds within 2 hours. It is now 24 hours later and I am now told by customer service that I must wait 1-3 business days unless I want a refund within 30 days. I feel this company is scamming co summers. I plan to call *********** and written a request to their corporate office to stop the sell of these cards. It is misleading to consumers. I am unable to buy my prescriptions due to the negligence of this company.

Desired Settlement: I want this company to offer an immediate resolution. It seems fraudulent to withhold funds from consumers. I would like them to take the website down so that no one else may be effected by this.

Business Response: Initial Business Response /* (1000, 8, 2015/07/15) */ VIA BBB WEBSITE July 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** **** Dear Ms. *****, On June 30, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** **** with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Ms. **** states that she has experienced difficulties accessing her Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. On June 26, 2015, Ms. **** purchased a Reloadit Pack and associated $150 to it. On July 2, 2015, the funds were successfully applied to her prepaid card. We apologize for any inconvenience or delay that Ms. **** may have experienced. Since Ms. **** was able to transfer the money from the Reloadit Pack to her prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/07/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) I intend to follow through with my complaint in the form of a FBI criminal investigation. This company may blame the delay on "waiting" periods etc... However the experience I had was far from any normal disclaimer issues. Their website was down or having technical difficulties for a week straight. The 3 customer service departments I spoke with told contradicting stories. Blackhawk Corp. contacted me via email after my BBB complaint. I responded with the requested info and never received a reply email until 7/16, 3 weeks after the initial email...during that time when I called BlackHawk their customer service line had a recording stating that there were no calls being taken due to an "emergency" situation. Final Business Response /* (4000, 15, 2015/08/12) */ ***Document Attached*** VIA BBB WEBSITE August 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** **** Dear Ms. *****, On July 16 & 17, 2015, we received rebuttals from ****** **** with respect to our response to her original complaint. We sincerely apologize for any inconvenience that Ms. **** has experienced. We understand her frustration and continue to work to improve the security of our customers and their accounts. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/21/2015 Problems with Product/Service
8/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I would like the unused balance in my T-mobile visa prepaid card(which is serviced by Blackhawk network) to be refunded to me via a check. I have been a T-mobile Visa prepaid card customer since Feb,2015. The card was issued by Bancorp Bank,Delaware and serviced by Blackhawk Network, California, Inc. My card number is XXXXXXXXXXXXXXXX. My case number is IncXXXXXXX. The remaining balance in my account is $4315.94. On July 6th 2015, I called customer service to request to close my T-mobile Visa prepaid card and get a refund for the remaining balance. I spoke to ****** in the risk management department, he asked me to send the following documents via email to ************@bhnetwork.com: photo of front and back of my T-mobile visa prepaid card; photo of my Driver's license; photo of my social security card; photo of a recent utility **** showing my name and address; photo of me holding my driver's license (similar to a mug shot). I complied to his request and send the documents via email. On July 11th, ****** called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last two Reloadit packs I used to add funds to my account. I could not provide these documents because I threw them away after using the Reloadit packs. ****** said he could not issue me the refund without the documents. Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check.' They already have enough information to verify my identity. Nowhere in the cardholder agreement did it say that the consumer need to keep all the used Reloadit packs for verification. In fact they are assuming the money in my account is illegal and ask me to prove it is legal, which is in contrary to one of the most basic legal principles "innocent until proven guilty". Again I have provided enough documentation to establish my identity. I would like my money refunded to me. ADDITIONAL DETAILS: Case is being handled by another organization: FDIC

Desired Settlement: I would like the remaining balance in my account refunded to me in the form of a check and mailed to my home address they have in file.

Business Response: Initial Business Response /* (1000, 8, 2015/08/04) */ VIA BBB WEBSITE August 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** *** Dear Ms. *****, On July 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** *** with respect to a block on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf the issuer, The Bancorp Bank. On June 25, 2015, Mr. ***'s account was blocked because of suspicious transaction patterns. When Mr. *** spoke to our Risk Department, we explained that he needed to discontinue the types of transactions that had been prevalent on his account. Mr. *** then requested a refund for the remaining balance on his account. It normally takes about 30 business days to receive a refund. We have issued a check for the remaining balance on Mr. ***'s account. He should receive the check within 7-10 days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I would like the unused balance $3312.46 in my T-mobile visa prepaid card(which is serviced by Blackhawk network) to be refunded to me via a check. I have been a T-mobile Visa prepaid card customer since Feb,2015. The card was issued by Bancorp Bank,Delaware and serviced by Blackhawk Network, California, Inc. My card number is XXXXXXXXXXXXXXXX. My case number is IncXXXXXXX. The remaining balance in my account is $3312.46. On July 6th 2015, I called customer service to request to close my T-mobile Visa prepaid card and get a refund for the remaining balance. I spoke to ****** in the risk management department, he asked me to send the following documents via email to ************@bhnetwork.com: photo of front and back of my T-mobile visa prepaid card; photo of my Driver's license; photo of my social security card; photo of a recent utility **** showing my name and address; photo of me holding my driver's license (similar to a mug shot). I complied to his request and send the documents via email. Later ****** called me again. After asking a series of questions from my credit report to verify my identity, he requested further documents, including the store receipts for the last two Reloadit packs I used to add funds to my account. I could not provide these documents because I threw them away after using the Reloadit packs. ****** said he could not issue me the refund without the documents. Per the cardholder agreement, 'In the event that your Card Account is cancelled, closed, or terminated for any reason and you have registered your Card with your personal information, you may request the unused balance to be returned to you via a check to the mailing address we have in our records. There is a fee for this service. See the fee schedule above. We reserve the right to refuse to return an unused balance if the balance is less than the fee for sending a check.' They already have enough information to verify my identity. Nowhere in the cardholder agreement did it say that the consumer need to keep all the used Reloadit packs for verification. In fact they are assuming the money in my account is illegal and ask me to prove it is legal, which is in contrary to one of the most basic legal principles "innocent until proven guilty". Again I have provided enough documentation to establish my identity. I would like my money refunded to me. ADDITIONAL DETAILS: Case is being handled by another organization: FDIC

Desired Settlement: I would like the remaining balance in my card refunded to me via a check and mailed to my home address they have in file.

Business Response: Initial Business Response /* (1000, 8, 2015/08/04) */ VIA BBB WEBSITE August 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** **** Dear Ms. *****, On July 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** **** with respect to a block on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf the issuer, The Bancorp Bank. On June 25, 2015, Mr. ****'s account was blocked because of suspicious transaction patterns. When Mr. **** spoke with our Risk Department, we explained that Mr. **** needed to discontinue the types of transactions that had been prevalent on his account. Mr. **** then requested a refund for the remaining balance on his account. It normally takes about 30 business days to receive a refund. We have issued a check for the remaining balance on Mr. ****'s account. He should receive the check within 7-10 days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/20/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: The Blackhawk Network Inc, might run a ponzy scheme. They collected money while services didn't work and continue to hold money for unreasonable times Blackhawk Network Inc, sold a high amount of credit cards while their services did not work nor did their website. They continue to hold money for unreasonable amounts of time while refunds are 'being investigated' and processing. I would like to file a complaint today because the refund (INCXXXXXXX) for $500 was requested 2 weeks ago and the refund is still being 'investigated' while my money is locked in the control of Blackhawk Network Inc. Every other business in California can process refunds quicker and update services on websites in real time, up to the minute, with accurate services that may be offered.

Desired Settlement: I would like an apology and a full refund for my $500 U.S. dollars. I would like the company to be investigated for running a ponzy scheme and money laundering.

Business Response: Initial Business Response /* (1000, 8, 2015/08/04) */ VIA BBB WEBSITE August 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On July 17, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ***** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 30, 2015, Mr. ***** purchased a Reloadit Pack and associated $400 to it. Unfortunately, Mr. ****** had difficulty accessing the safe at www.reloadit.com. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Since the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card, Mr. ***** requested a refund for his Reloadit Pack. We apologize for any inconvenience or delay that Mr. ***** has experienced. We have processed a refund for the full amount of his Reloadit Pack. The check was issued on July 20, 2015. Mr. ***** should receive the check within a week if he has not already done so. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/19/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Failure to produce Used www.giftlab.com for last minute gifting (same day) Received confirmation of sale, BUT never received by recipient. Called 800# and sent e-mail to'support', no email returned. Message on phone line "WE are closed d/t emergency conditions..." THEY SHOULD HAVE SUSPENDED on-line ordering, if his is in fact true! Now have not only mud on my face....but money tied up as pending transaction in my checking account----which I want returned!

Desired Settlement: My money released from bank- let them know giftlab.com has and **** NOT process my purchase- which has now been replaced by a in-store bought GC!

Business Response: Initial Business Response /* (1000, 8, 2015/07/31) */ VIA BBB WEBSITE July 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** ****** Dear Ms. *****, On July 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** ****** with respect to an order placed on www.giftcardlab.com . This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Ms. ****** may have experienced. On July 6, 2015, Ms. ****** placed an order on www.giftcardlab.com for an eGift, which is an electronic gift card that is sent via email. As stated on our website, it may take up to 24 business hours to receive an eGift. Since Ms. ****** did not receive her eGift in time for its intended purpose, we have processed a refund. The credit should appear in her account within 5-7 business days. Accordingly, we **** consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Fraudulent website posted by www.REloadit.com associated with Visa PayPower Prepaid debit card.Backed by Blackhawk Network Inc.

Desired Settlement: DesiredSettlementID: Refund I would like my money refunded because their website is a fraudulent site and they stole my money.

Business Response: Initial Business Response /* (1000, 8, 2015/07/10) */ VIA BBB WEBSITE July 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ****** ***** Dear Ms. *****, On June 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ****** ***** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 19, 2015, Ms. ***** purchased a Reloadit Pack and associated $31 with the Pack at 11:59 am (ET). Unfortunately, Ms.***** appears to have been the victim of a cloned site. She certainly did not go to www.reloadit.com; instead, she went to a site that looked like www.reloadit.com but was not (we have discovered several such sites and continue to contact those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site requires every customer to create a safe using their email address. Ms. ***** did not create a safe and instead was asked to provide the time at which the Pack was purchased and was given a timeframe for when the funds would show up on her prepaid card. The actual Reloadit site never provides an amount of time before funds **** be available. We know that a number of cloned sites have used a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack. When Ms. ***** entered her Pack number on the cloned site, she gave the fraudsters the information they needed to transfer the money on her Pack to a prepaid card they controlled. By the time Ms. ***** realized that the funds were not on her card, the fraudsters had done just that. The Reloadit Pack was stored in someone else's Safe (one established by a fraudster), and the funds were loaded to a third party prepaid card on June 20, 2015; more than four hours before Ms. ***** contacted us. Unfortunately, we cannot provide a refund to Ms. ***** because she gave the Pack number to a criminal. We suggest that she file a police report regarding this matter. If Ms. ***** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/07/24) */ Final Business Response /* (4000, 14, 2015/08/12) */ ***Document Attached*** VIA BBB WEBSITE August 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ****** ***** Rebuttal Dear Ms. *****, On July 27, 2015, we received a rebuttal from ********* ****** ***** with respect to our response to her original complaint. We are sorry that Ms. ***** was a victim of a cloned site. Unfortunately, we do not have any way of preventing fraudsters from creating these sites. We continue to contact these sites' hosts to request that the sites be taken down as soon as we are made aware of them. We are unable to provide a refund because the funds are no longer available. We **** work with law enforcement regarding this matter in order to assist with the apprehension of the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 16, 2015/08/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) They are saying that their site requires that you provide an e-mail address the site WWW.ReLoadit.com that I went on did require an e-mail address and I was even sent an e-mail that a safe was set up. Now according to their response I should have known better and basically I am stupid for going to a fake and should file a police Report. Well I want this company to know that I am not a stupid person and I did file a Police Report w/ the Baltimore City Police Dept. And now I intend to file a Police Report against this company for theft. It is my contention that this was done within this company as I have read other complaints on the internet from other consumers with major complaints against this company. In regards to the way they responded to my issue I was treated very poorly and spoke to in a manner that I was just stupid and oh well that's to bad for me. It is not my fault their site is not secured and that is why I believe that this was done internally. I feel this company at the very least owes me a refund and a public apology. People can go on line and see the many complaints against this company I am not the only one that this has happened to I do not have money to just throw away. I **** be persuing this matter against this company through legal channels. All this could go away with a simple refund of 31.00 dollars.

8/14/2015 Problems with Product/Service | Read Complaint Details
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Complaint: When placing an order, after receiving payment, the delivery date changes to 7 days later. CS then says 15 days to refund me. I placed an order for 2 E-gift Cards, which are emailed and so near instantaneous delivery. When reviewing the order it showed a delivery date of that same day. As it should. After GiftCardMall (Blackhawk Network, Inc.) processed the order, and placed a hold on my credit card, the delivery date changed to 6 days later. As this was for an electronic delivery there is no reasonable cause they can take payment immediately but not send an electronic product immediately. After calling to receive a refund I was told it would be 15 days to receive that. Customer Service did not offer to resolve the issue in anyway. Later when talking with a supervisor about the 15 days for a refund, I was told that my order was being processed at the same time I cancelled it. Something the first customer service rep should have told me when I explained my reason for cancelling was it was taking so long to process.

Desired Settlement: I want the business to make it right.

Business Response: Initial Business Response /* (1000, 8, 2015/07/13) */ VIA BBB WEBSITE July 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ***** Dear Ms. *****, On June 26, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** with respect to an order placed on www.giftcardmall.com . This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Mr. ***** may have experienced. On June 23, 2015, Mr. ***** placed an order on www.giftcardmall.com for two eGifts, which are electronic gift cards that are sent via email. As stated on our website, it may take up to 24 business hours to receive eGifts. On June 24, 2015, Mr.***** called to cancel his order as he had not received them. That day, a refund was issued for the full amount of his order. Accordingly, we **** consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/07/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) The company in no way responded to the complaint. The complaint clearly states "When placing an order, after receiving payment, the delivery date changes to 7 days later." That issue was in no way addressed. They only responded to MY attempts to resolve their problem. That is the complaint that requires addressing! Final Business Response /* (4000, 16, 2015/08/05) */ ***Document Attached*** VIA BBB WEBSITE July 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ***** Rebuttal Dear Ms. *****, On July 15, 2015, Blackhawk received a rebuttal from ******** ***** with respect to our response to his original complaint. As stated on our website, eGifts are generally delivered within 24 business hours. We apologize for any confusion regarding the delivery date. We are unsure as to why this occurred, but are looking into it to prevent it from creating future issues with our customers. We sincerely apologize for any inconvenience resulting from miscommunication on our part. We **** consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 18, 2015/08/14) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not consider the matter closed. If that apology had been delivered with the first correspondence, it would have shown at least an attempt at good customer service. They have not attempted customer service at any time of this dispute. Please let the complaint stand on the website as a mark against this terrible company. Thank you.

8/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Visa GIFT cards were blocked, when customer service was called, i was treated like i stole my own gift card with no explanation. on monday 20 July 2015 i bought two $50 gift cards from best buy in countryside, IL. My wife and i used them both the following day, i used it to buy some gas and some meals. i thik she used hers at whole foods. in the evening she tried using hers and it wasn't allowing the purchase. I tried using mine at walmart this morning and it also didn't work. I called their customer service which noted the credit but would not tell me why they were blocked. i was then directed to another guy. he was completely and utterly rude. he told me he would not tell me why the card was blocked, if i wanted access to my money i would have to send him copies of the card front and back and the receipt of me buying them. I asked if i was being accused of stealing my own gift card he told me, he didn't know me so he couldn't assume anything. I asked him why pictures of the card i was holding in MY hand that I bought would change anything as it's got no name on it. To which he told me i would not get unblocked unless i sent him pictures. I don't understand what policy they have that blocks the use of gift cards, furthermore their rude attitude and downright appropriation of a balance i paid for. My wife's card is blocked too, i don't understand their secrecy, rude attitude, or why i'd get blocked on using a card purchased to BUY stuff with. it stems to reason had i bought it for someone else, gave it to them and they used it the next day i'd stand for embarrasment cause they'd assume i gave them a bad card as a gift.

Desired Settlement: I need to contacted by someone who is willing and able to work with me without requiring personal indentifiable information regarding a GIFT CARD. The person i talked to basically left me talking and cut me off to tell me he didn't care who i called he was not unblocking me unless i sent him those items. He said there was nobody above him but i doubt from his demeanor he was the deciding authority or blackhawk's business policies. they can contactme at XXXXXXXXXX

Business Response: Initial Business Response /* (1000, 8, 2015/08/12) */ VIA BBB WEBSITE August 12, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******* Dear Ms. *****, On July 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ******* with respect to his Visa Gift cards being blocked. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On July 21, 2015, a block was placed on both of Mr. *******'s Visa Gift cards in an effort to protect him from potential fraud. On July 22, 2015, the blocks were removed from his cards as no further risk was found. At that time, Mr. ******* regained access to the remaining balances on these cards. He has made transactions using the cards since they have been unblocked. We apologize for any inconvenience Mr. ******* may have experienced. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/08/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) The concern being fraud is understood, my complaing with the business is their representative telling me that my card was blocked, refusing to tell me why. Him being utterly rude even after i told him i would call the BBB. he said "You can call whomever you want, i won't unblock this card until you send me pictures of the front, back and the receipt." i have not tried using my card again, my wife did after the card was unblocked i assume. i don't know what their procedures state or what their training program is. i don't need any further apologies for incovenience, i don't know how many people the deal with every day, they should consider revising their policies if they feel they can control someone's money based on their own opinion.

8/12/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I PURCHASEd A RELOAD IT PACK FOR 130. i still dont see my money on my prepaid car I Purchased A RELOAD IT PACK FOR 130.00 cash on07/03/2015 to be reload my paypower card still no funds available every time i try to load my paypower card from the reloadit safe it gives me a message they are experiencing technical difficulties try back later. i have called them more than five times to resolve this issue i have followed instructions and have not seen my funds added to my card out of the five call i have made to customer service two of there employee just hung up on when i asked them for there employee id number.its july 12,2015 and i still don't have my money something that i payed cash for and they are keep

Desired Settlement: i payed 130.00 cash i just want my money back

Business Response: Initial Business Response /* (1000, 5, 2015/07/27) */ VIA BBB WEBSITE July 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******* Dear Ms. *****, On July 14, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ********* ******* with respect to applying funds from her Reloadit Pack to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Ms. ******* states that she experienced difficulties applying a Reloadit Pack to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com.The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. On July 3, 2015, Ms. ******* purchased a Reloadit Pack and associated $130 to it. On July 18, 2015, the funds were successfully applied to her prepaid card. We apologize for any inconvenience or delay that Ms. ******* may have experienced. Since Ms. *******'s money was successfully transferred from her Reloadit Pack to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/12/2015 Billing/Collection Issues
8/10/2015 Problems with Product/Service
8/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Attempting to secure a refund due me from this company because of a scam. I was the victim of a scam that resulted in the purchase of $3023.00 in gift cards on May 27, 2015. I was successful in blocking payment on these cards to the scammers and am attempting to get a refund on the cards I purchased. I have provided Blackhawk Network with all the documentation they asked for (receipts for the card purchase and copies of the cards themselves plus my identification (drivers license) These cards were never cashed and I'm entitled to a refund. Customer Service reps do not return my calls and I can't get any information about the accounting dept. that's supposed to issue my check. Payment was authorized to me on June llth but I have not received any money.

Desired Settlement: I would like a refund for my cards.

Business Response: Final Consumer Response /* (2000, 8, 2015/08/10) */ This issue has been resolved as of 8/3/2915. I have received my refund in full. It unfortunately took a very long time to get it resolved. Thank you for your assistance in this matter. ****** *****

8/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Paypower is ignoring my disputes charges I made against merchants over 6 wks ago. I want my money back because I canceled the transaction/services. My Paypower Card acct. # is XXXXXXXXXXXXXXXX. I loaded it for $$226. Then I used my card to purchase 4 transaction from online services. They were as follow... 04/15/2015 COLLECTING BLESSING COMME $93.99 04/12/2015 LANGDOCSXXXXXXXXXXX $54.57 04/12/2015 FRIENDTRANXXXXXX $23.54 04/12/2015 FRIENDTRANXXXXXXXXXXX $53.49 A total of $225.59 Paypower is leaving me clueless about this case. I haven't heard from them since april 15, 2015. Here it is over 6 wks later and still no communication or resolution. I canceled these transaction with the merchant. I heard they were a shady and did not want to pay money for services I did not trust. The merchants ignored my refund so this is why I am disputing these charges. Please help me get my money back.

Desired Settlement: I want a full refund for the disputes I am making. Which totals $225.59. I want them to stop ignoring me and solve this case once and for all.

Business Response: Initial Business Response /* (1000, 5, 2015/06/10) */ VIA BBB WEBSITE June 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On May 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to unauthorized transactions on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Ms. ****** disputed four transactions that she claims she cancelled with the merchants. On June 3, 2015, we applied a provisional credit to Ms. ******'s account for all four transactions. We expect to resolve the case no later than July 11, 2015, and **** notify Ms. ****** as to the results. If the disputes are resolved in her favor, then the credit **** remain permanent. We consider this matter to be resolved at this time. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/07/15) */ Paypower owes me a check for $97.50. I have been waiting since April 2015 for this money. Still waiting. I have a credit amount for $97.50 on my Paypower card. My card number is XXXX XXXX XXXX XXXX. I can not access this money because Paypower closed my card account. They promised me they would mail me a check for the full amount. I still have not received this check and its been 3 months that I have been waiting for this money. Please BBB help me get my money back. Final Business Response /* (4000, 14, 2015/07/27) */ VIA BBB WEBSITE July 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Rebuttal Dear Ms. *****, On July 16, 2015, we received a rebuttal from ****** ******; however, it is not related to the original complaint. Ms. ****** states that she never received a refund for an account that she previously cancelled on April 11, 2015. A refund could not be processed until her dispute was resolved. The dispute was resolved in Ms. ******'s favor on July 2, 2015. It generally takes 30 business days for a customer to receive a refund check. We issued a check for the remaining balance on Ms. ******'s account on July 20, 2015. She should receive it in 7-10 days from that date. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/7/2015 Problems with Product/Service | Read Complaint Details
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Complaint: ord 50 Safeway giftcard thru giftcard mall. charged the $50 6/13 not received card as of July4th. made several calls to giftmall now# disconnect I ordered a $50 Safeway giftcard thru giftcard mall web site for my son on 6/13/15 never received it.I was charged the $50 on my debit card on 6/13 . Invoivce # XXXXXXXXXXXXXXXXX. I called giftcard mall at XXX XXX XXXX several times. they said or there was a problem with that gift card we are sending another should arrive in 7-10 business days.now the phone # is disconnected or " due to emergency circumstances cannot complete call at this time please try again later" The headquarters is Blackhawk network in plesaton CA.

Desired Settlement: would like the giftcard or refund

Business Response: Initial Business Response /* (1000, 12, 2015/08/05) */ ***Document Attached*** VIA BBB WEBSITE August 3, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On July 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to an order placed on www.giftcardmall.com that she never received. This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Ms. ****** may have experienced. On June 13, 2015, Ms. ****** placed an order on www.giftcardmall.com for a $50 gift card. It was issued on June 30, 2015 and should have been received 7-10 business days from that date. We are unsure as to why it was not received. We contacted Ms. ****** and she explained that she preferred to have a new card issued rather than a refund. Due to the delay and inconvenience that Ms. ****** has experienced, we have issued a new card, which she should receive in 7-10 business days, and refunded her for the order. Accordingly, we **** consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 14, 2015/08/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) Company refunded my money. Stated they would re-issue the gift card in 7-10 business days. Have not received it yet .if I receive the card then all is resolved. Thank you

8/7/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I have 2 ReLoadIt cards that have a combined balance of almost $700.00 on them. I have harassed & my case CLOSED 3times now!I WANT MY MONEY BACK! On 06/16/2015 I bought 2 ReLoadIt cards with a total bal$656.92 + the cost of the cards($7.90), all as a part of a phone scam. Finding out that it was a scam after purchasing the 2 ReLoadIt cards, I called the ReLoadIt customer service to get a refund. I was given instructions on what to send & a fax number to send the information. It has been a month since I started the process of getting a refund. After almost 30 days, I called on Mon. 07/13/15 to find that the fax was never received, that I would have to start the process all over, which I did immediately. I still haven't received the refund & NOW... I am being harassed, threatened, intimidated & have had my case closed twice by their "Risk Management" personnel who has gone by 2 names, "******" & "*****". On 07/14/15 Tue. Morning, I was called at 7:50am harassed, badgered,"CUSSED-OUT" then hung up on by *****/******. Then later that day called again by *****/******, threatened, berated, harassed & told, He... was, "The 1st & last" as far as my refund was concerned, that if I didn't "Do what he said", he would close out my case, & "goodluck" on getting my refund. Then he closed my case for a second time. I have spent several hours on the phone over the last couple of days w/Blackhawk networks trying to resolve this issue, doing everything requested of me to resolve this issue & finally get a refund. Originally, I called to inform them of *****/******'s behavior, & that after calling ReLoadIt customer service to ask if I could speak to a supervisor, I was told not only by *****/******, but also ReLoadIt customer Service, that, "there wasn't a supervisor for the "Risk-Management" dept. I then started the hour+ process with ******, (Blackhawk cust.service) to resolve the issue & get a refund. Shortly after, I was called again by "*****o/*****" & again, harassed, badgered, threatened, & intimidated to either cooperate with "Him" or my case would AGAIN be CLOSED!!! After repeatedly informing him, that I have no problem cooperating to get my refund, that I did send over the information as requested by the Blackhawk representative, that I just didn't want to speak to/deal w/him, that I would like to speak to a supervisor, I was told AGAIN, that... "There is No Supervisor, if I wanted a refund I would 'HAVE TO' deal w/him (*****/******)". Then again today, after speaking to a Blackhawk representive for an hour+, within mins. I was called by "*****/****** AGAIN. He told me, "Since I didn't want to cooperate w/him, he would CLOSE MY CASE." Having to finally talk over him telling me he was closing my case, I adamantly told him, I have cooperated, I am willing to cooperate, I just didn't want to talk to him, that I have NEVER been spoken to so rudely by anyone, the way he continually spoke to me, that I didn't want to speak to him anymore, & asked for a supervisor again. I was told that there wasn't a supervisor, that he would go ahead & close my case since I didn't want to cooperated. (yes, that is NOT a typo, he continued to repeat himself over and over & over & over threatening me). I finally had had enough, trying to get a supervisor, trying to talk over him & told him I did not want to ever talk to him again, I was AGAIN, WILLING to do whatever I needed to do to get a refund, that speaking to the Blackhawk agent, I had sent ALL the documents over via the eMail I got from them, BUT I was tired of talking to him, that I didn't deserve him speaking to me, or harassing me, threatening me, I have cooperated, & I hadn't done anything to warrant or deserve him speaking to me like that & all I wanted was my refund. Then I hung up. I have NEVER, EVER, been treated so poorly or harassed, threatened & been so abused by a company, let alone a company that has $700.00 of mine. The culpability, liability, & responsibility of this company to be able to treat a customer like this as well as the treatment and lack of tact is abominable. ALL I WANT is my REFUND PLEEEEASE.

Desired Settlement: I have provided all the information requested & needed for my refund claim to be issued IMMEDIATELY (as explained by the Blackhawk representative). I DO NOT want to be contacted by *****/******, ever again. I would like the company to Expedite my claim to receive my refund (+cost of cards, Total of $664.82) within 3 business days. I would also like some sort of, out of court compensation for the illimitable time & unjustifiable suffering that I have had to endure, during this process.

Business Response: Initial Business Response /* (1000, 8, 2015/08/04) */ VIA BBB WEBSITE August 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On July 20, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to two Reloadit Packs that he purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 16, 2015, Mr. ****** purchased two Reloadit Packs as the result of a scam. The next day, he suspected fraud and contacted customer service. We were able to block the Packs from use before the fraudster could apply the funds. Since Mr. ****** was able to provide all of the requested documentation, we issued a refund for the full amount of the Packs on July 30, 2015. Mr. ****** should receive the check within 7-10 days. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/6/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Cannot load ( 3 ) Reloadit Packs totalling $1500.00 ( 3 Packs - 500 each ) into my Reloadit Safe Purchased ( 3 ) Reloadit Packs 500.00 each from Safeway Grocery on June 30th. I already have a reloadit account safe. Went to login and get many different errors logging in from cannot recognize this device and to check my email for link which no email is ever received. Tried logging in multi times. I called customer service for reloadit and they said the system has been down for weeks and I just have to wait until t comes back up. So my $1500.00 which i need to pay my bills is non usable. I went back to Safeway for refund of the $1500.00 cash i spent on the reloadit packs, and they said all sales are final and it is a reloadit issue. I then went online to look at all of the complaints that Reloadit and Blackhawk Network is a scam. I also saw postings by people forming a group for a class action lawsuit. All i want is to be able to load the 3 packs on to my reloadit safe and my Netspend card.

Desired Settlement: Id like the ability to get the 3 reloadit packs loaded into my reloadit safe so I can load the funds on my Netspend Card.

Business Response: Initial Business Response /* (1000, 8, 2015/07/21) */ VIA BBB WEBSITE July 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********* Dear Ms. *****, On July 2, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ********* with respect to applying funds from his Reloadit Packs to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc. operates this website and issues the Reloadit Pack. Mr. Taylor states that he experienced difficulties applying his Reloadit Packs to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. On June 30, 2015, Mr. ********* purchased three Reloadit Packs and associated $500 to each for a total of $1500. On July 1, 2015, a total of $950, which is the card's daily load limit, was successfully applied to his prepaid card. The next day, the remaining $550 was applied to the same account. We apologize for any inconvenience or delay that Mr. ********* may have experienced. Since Mr. *********'s money was successfully transferred from his Reloadit Pack to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/6/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Purchased a pre-paid travel card for my 16 yr old daughter to use in the Dominican Republic. Does not work in the Dominican Republic. On June 18, 2015 I Purchased a $150.00 pre-paid PayPower travel card for my 16 yr old daughter to use in the Dominican Republic for airline fees and food. Activated it via phone with a live agent explaining where my daughter was going and what the card is to be used for. Agent activated the card and stated that it **** work for all international travel. The card has not worked in the Dominican Republic. I called the customer service line and spoke to an agent who told me that their product does not work in the Dominican Republic.I then asked to speak with a manager that told me the same thing and when asked of why I wasn't informed when activating the card, she stated that the agents cannot see what countries the card is authorized in or not. ***, the agent I spoke to initially is the one who told me that it didn't work in the Dominican Republic. Manager was lying to me to cover the activating agents mistake and or to take my money regardless of the implications.

Desired Settlement: An apology for lying to me and my family and for putting my daughter at risk in another country.

Business Response: Initial Business Response /* (1000, 9, 2015/08/05) */ VIA BBB WEBSITE July 20, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********** Dear Ms. *****, On July 6, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ********** with respect to the use of his PayPower Travel Prepaid Visa Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for any inconvenience that Mr. ********** and his daughter may have experienced. We also apologize for any miscommunication on our part. In order to comply with sanctions put in place by the Office of Foreign Assets Control (OFAC), an agency of the U.S Department of the Treasury that administers and enforces economic and trade sanctions based on U.S. foreign policy and national security goals, there are countries with which we are prohibited from doing business. By abiding by these prohibitions, we are committed to fight fraud, money laundering, and terrorist financing. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 11, 2015/08/06) */ (The consumer indicated he/she ACCEPTED the response from the business.) Apology accepted but with hopes that their customer service staff **** no longer mislead customers.

8/6/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Purchased their product to add money to my prepaid card, **** not allow access to funds I purchased the Reload It card from Safeway as to load my Netspend pre paid card with funds set aside for bills. I went through the companies newly required service to log onto their website open a "safe" put the money in the "safe" then transfer to my card. After purchasing a second card with the Netspend compatible logo on the card Reload It **** not allow me to access their website for the last three days. Their customer service **** not manually fund my card in their system and informing me the website is down and they have no knowledge as to when the website **** be back online. They told me my only options are to buy into the Black Hawk Network / Reload it network prepaid card for a manual transfer. Their website indicates they also are partnered with AMEX Serve card but customer service **** not load my funds to the Serve card I have. I spoke with a ***** employee ***** who would not load my funds and only offered a refund after 30 days or up to 30 days to issue. I can not return the money pack to the store for a refund. They are not advertising in any way that their website is down, that they **** not load funds to the cards listed on their website within the network. I called the Black Hawk Network number, their is only a voicemail option XXX) XXX-XXXX. The message says to call customer service at XXX-XXX-XXXX but the message informs you they are not taking calls and hangs up. Reload It customer service call center XXX-XXX-XXXX is located in *** ********, ** ******** and are not able to be of assistance to you in any way and **** not or does not have information on when the website **** be running or if they **** honor their Reload it card currently being sold in stores with the Netspend prepaid logo on it. I need access the the money I purchased on the pack and a better refund option then 30 days after the request was made but the 30 days does not start until the refund request is processed and accepted.

Desired Settlement: I would like my funds to be released onto my Netspend card as advertised they would or my Amex Serve card advertised on their site as another perpaid card service they work with, partner with or add funds to. I would also like to see the company stop advertising they work with Netspend or other prepaid card services. They only want you to buy into their Pay Power prepaid card. The only card they **** apply my funds to but I have to go by the card,wait for it to be approved and activated and what ever other wait period they **** require to move my funds.

Business Response: Initial Business Response /* (1000, 8, 2015/07/21) */ VIA BBB WEBSITE July 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ************* Dear Ms. *****, On July 3, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ************* with respect to applying funds from her Reloadit Packs to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Ms. ************* has experienced difficulties applying funds from a Reloadit Pack to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. On June 29, 2015, Ms. ************* purchased a Reloadit Pack and associated $105 to it. On July 6, 2015, the funds were successfully applied to a prepaid card. We apologize for any inconvenience or delay that Ms. ************* may have experienced. Since Ms. *************'s money was successfully transferred from her Reloadit Packs to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/6/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I purchased two reloadit packs and loaded them in reloadit's safe , now i cant access the safe or my money. they wont i filed my complaint with them on the 25th of june 2015 and the pack was 140.00 that i cant get back

Desired Settlement: i want my money

Business Response: Initial Business Response /* (1000, 8, 2015/07/21) */ VIA BBB WEBSITE July 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On July 3, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ****** with respect to applying funds from his Reloadit Packs to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Mr. ****** has experienced difficulties applying funds from two Reloadit Packs to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. On June 23, 2015, Mr. ****** purchased two Reloadit Packs and associated $220 to each. That same day, Mr. ****** successfully applied $100 from one of his Packs to a prepaid card. The following day, he was able to apply $200 from the other Pack to a prepaid card. On July 2, 2015, the remaining funds of $140 were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. ****** may have experienced. Since Mr. ******'s money was successfully transferred from his Reloadit Packs to a prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/6/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Not getting my money available to me. I put 1750$ into Reloadit packs and the web sight is down (for 6 days) after numerous calls to have them manually transfer MY money I'm still waiting. Every time I call they give me another excuse for not being able to transfer the money to my Paypower card (owned by the same company imagine that). I was even told the problem is the "large" amount of money involved and that they are waiting to get the money from where I purchased the card WITH CASH. To top it off they say that if the websight was up I could open my safe and load my Paypower card but they can only do it in 1-3 business days. So to sum it up they have had my money for 6 days and now I can't even put gas or buy food till I get payed. I feel scammed and wonder how the other companies can be associated with them.

Desired Settlement: GIVE ME MY MONEY!!!!!!!!!!

Business Response: Initial Business Response /* (1000, 8, 2015/07/21) */ VIA BBB WEBSITE July 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On July 3, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ***** with respect to applying funds from his Reloadit Packs to a prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Mr. ***** states that he experienced difficulties applying four Reloadit Packs to a prepaid card. All Reloadit customers must create a safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Currently, the safe is the only method in which a customer may apply the funds from a Reloadit Pack to a prepaid card. On June 25, 2015, Mr. ***** purchased four Reloadit Packs and associated a total of $1,753 to them. On July 2, 2015, the funds were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. ***** may have experienced. Since Mr. *****'s money was successfully transferred from his Reloadit Packs to his prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/5/2015 Problems with Product/Service
8/3/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a reloadit pack 4 days ago and still haven't received my funds that I loaded. The back of the pack states they are liable for delay. I opened a formal complaint, number incXXXXXXX. My reloadit pack was number XXXXXXXXXX. I loaded 35 and paid a 3.95 fee!!!

Desired Settlement: I want my money asap

Business Response: Initial Business Response /* (1000, 5, 2015/07/16) */ VIA BBB WEBSITE July 16, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On July 2, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ****** ****** with respect to applying funds from his Reloadit Pack to his prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc,. operates this website and issues the Reloadit Pack. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. On June 28, 2015, Mr. ****** purchased a Reloadit Pack and associated $35 to it. On July 1, 2015, the funds were successfully applied to his prepaid card. We apologize for any inconvenience or delay that Mr. ****** may have experienced. Since Mr. ****** was able to transfer the money from the Reloadit Pack to his prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/3/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I've purchased a Reloadit pack and I keep getting the run around about why I don't have access to my funds. I've purchased a Reloadit pack from a grocery store on June, 24th at 1:40 pm. I attempted to follow the instructions on the back of the pack to retrieve the funds deposited ($130.00) onto it. I quickly came to find they've changed the process and now require you to open a "safe" through their website. I was told I would receive a confirmation email at which time I would have to follow a link in order to activate the "safe." I followed each instruction and have yet received an email from them. I have called 4 times and every time I've gotten a different story as to why I am unable to retrieve my funds. First I was told to wait 2 hrs. "That's the time frame given for these things. Just be patient." After waiting 6 hours, with no confirmation email, I finally called back. I was told I would have to create a new email account just for their website in order to open a "safe." Again I was asked for all of my information, which I gave to the representative. I was told you to wait 2 hours, again, for their system to catch up. "They are working in the technical issues." I called back at the 12 hour mark of not being able to access to my funds. I was told I would have have "give them time" and to call back. I told them I wanted a refund. The process I was given seemed wrong but I wrote down the information with the I tentio on calling back in the morning. I was told send a copy of my drivers license, bank card (which has no baring what so ever) a copy of the receipt and the front and back of the Reloadit pack to ************@bhnetwork.com. Obviously I did not send my bank card or my drivers license to that site. Upon waking up this morning I checked my email to see if I had received and email and of course I had not. I called the number again on the back of the pack and began, once again, explaining my issues. The representative I spoke to was extremely rude and would not let me say what my issues were. She told me Noone would have told me to send that information and I was probably lied to if they had. She began arguing with me over the process of retrieving a tefund. She told me it would take up to 30 business days to receive the check by mail. I said that's fine and gave her my name, address, Reloadit number and reciept number over the phone. She said she had put a block on the Reloadit pack and would not have to call again and hung up on me. I didnt trust her so I immediately called back. I followed the instructions and qlwas quickly connected to a representative and it was like the first time I had called. The women I talked to had no idea what I was talking about. So I repeated my sad story to yet another person. I was again told to wait 2 hours. But before she could finish I said all I want is a refund. And she told me if I don't complete the activation of the "safe" within 24 of it being purchased, I would lose access to the funds I've deposited. And I yelled "That's what I've been trying to do all along." She said she understood and told me to just be patient. I don't know what else to do. If I request the refund I'm told I **** lose all funds and if I wait the 2 more hours, like I've been told to do 4 times, I **** lose access to my funds since it **** surpass *** 24 hr mark. PLEASE HELP ME!

Desired Settlement: I am seeking the the full amount deposited onto the Reloadit pack along with the 3.95 I was charged to activate the card.

Business Response: Initial Business Response /* (1000, 5, 2015/07/10) */ VIA BBB WEBSITE July 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ****** Dear Ms. *****, On June 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On June 25, 2015, Ms. ****** purchased a Reloadit Pack and associated $130 with it. Ms. ****** had difficulty creating and accessing her Reloadit safe at www.reloadit.com. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Since the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card, Ms. ****** requested a refund for her Reloadit Pack. We have processed a refund for Ms. ******. The check was issued on July 2, 2015. She should receive it by the end of next week if she has not already done so. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/07/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I am annoyed to say I have received the check for the sum of 130.00 but **** be unable to cash it. The name on the check is not mine. The name on the check is ******** ******. As you can see there is a discrepancy in the spelling. My bank **** not deposit the check bc of the misspelling. So as far as I am concerned, I have not received my refund. Furthermore, I signed my name to the bottom of every email I sent to Ms ******. So I am confused as to why the correct spelling was so difficult to print. I am hoping there is something that can be done about this. I obviously still have the check and have emailed and called Ms ****** in regards to the matter and hope to be contacted soon. Final Business Response /* (4000, 11, 2015/07/27) */ VIA BBB WEBSITE July 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ****** Rebuttal Dear Ms. *****, On June 29, 2015, we received a rebuttal from ********* ****** with respect to our response to her original complaint. We apologize for any inconvenience Ms. ****** may have experienced as result of this oversight. Another check was issued with the corrected information on July 20, 2015. She should receive it within 7-10 days of that date. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/3/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Purchased a reloadit pack to add money to a prepaid card but the system isn't working. I purchased a reloadit pack to add money to a prepaid card. After purchasing the pack which says **** load in 2 hours the website wouldn't let me log into my account. It repeatedly told me I was trying to login on an unknown device ( which I was not) and to follow the steps sent to my email. After waiting a couple hours for the email I finally contacted reloadit. I was informed that they were having issues and couldn't transfer the money at the moment. They told me to wait for the email. The following day same thing. I asked for another option to get my money back and they said to go buy a paypower card which I did yet they can't actually load my money onto that card either. They have no problem taking people's money but refuse to follow their own contract on both the pack and the internet and refund my money since the problem is on their end not mine.

Desired Settlement: They have kept my money one other time and it was a huge process to receive it back. I simply want my money back.

Business Response: Initial Business Response /* (1000, 8, 2015/07/15) */ VIA BBB WEBSITE July 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On June 30, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* ***** with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk Network California, Inc. operates this website and issues the Reloadit Pack. Ms. ***** states that she has experienced difficulties accessing her Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Ms. ***** states in her complaint that she was unable to access her funds and sign in to her safe. We have made several attempts to contact Ms. ***** to offer assistance. Since we have not received a response from Ms. *****, we must assume that this matter has been resolved. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

8/3/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I purchased a reload it pack to fund my prepaid card and I am unable to load it. I went to a Royal Farms on June 28, 2015 and purchased a reload it pack in the amount of $100.00. I attempted to accessed my account online and was unable to log in. I contact the company and was advised that the system was down and to allow a few hours to allow the system to come back up. I called back later that night because I was unable to log in and still unsuccessful. The next day, today June 29, 2015 I attempted to log in to load my card and still unsuccessful. I contacted the company and advised the representative that it has been over 24 hours and I still have not been able to load my prepaid card. I was then advised by the representative that it has been down for over two weeks. I told the representative thank you and disconnected the call.

Desired Settlement: I would like to have my money refunded and also be compensated for the inconvenience of not being able to use my money as intended.

Business Response: Initial Business Response /* (1000, 10, 2015/07/16) */ VIA BBB WEBSITE July 16, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. *****, On July 2, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ******* **** with respect to applying funds from her Reloadit Pack to her prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc,. operates this website and issues the Reloadit Pack. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. On June 28, 2015, Ms. **** purchased a Reloadit Pack and associated $100 to it. On July 2, 2015, the funds were successfully applied to her prepaid card. We apologize for any inconvenience or delay that Ms. **** may have experienced. Since Ms. **** was able to transfer the money from the Reloadit Pack to her prepaid card, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/30/2015 Problems with Product/Service
7/30/2015 Problems with Product/Service
7/29/2015 Problems with Product/Service
7/29/2015 Problems with Product/Service
7/29/2015 Problems with Product/Service | Read Complaint Details
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Complaint: A purchased gift card had fraudulent purchase on it and when presented to C/S team, they closed case without providing accurate investigation. I received a $100 Visa gift card as a gift over the recent Christmas holiday. When I went to use it in March, there was only a $2.01 balance on it. I immediately called the number on the back of the card to file a claim and was told that the area in which the purchase was made has registered quite a bit of fraud recently. I live more than 50 miles away from the town in which the purchase was made and have never even stepped foot in that city yet alone at the store where the purchase was made. The purchase was made on 1-3-15 at 8:45pm at a Sears Robucks (store ****** at the Hemet valley Mall ******* **** I filed all relevant paperwork that the company asked for the following day: Photo ID, claims paperwork with explanation and copy of front and back of the actual gift card. I called multiple times inquiring about the status. The first status was told to me it would take about 4-6 weeks. After waiting that amount of time, I followed up to be told it takes 45-60 days to complete the investigation. At this point, I felt as if they were stalling or trying to drag this out. More than 2 months later, I get a letter in the mail saying they found no error in the transaction. I again immediately called them. They said after they researched (which they clearly didn't), there was no basis to adjust in my favor and closed the account. During that conversation, they asked again for a copy of the card (which was already provided to them to open the claim in the first place) and a copy of the receipt (which I don't have because it was a gift. I asked them to contact the store in which the purchase was made, pull that specific receipt (to match the signature) and look at the surveillance tape. That is what should have happened in the investigation and they would clearly see it was not me that made the purchase. That investigation didn't happen. I called again 2 more times and each time was told by their customer service rep that the policy is the policy and the case has been closed and nothing they can do. Sorry. There was no supervisor that would speak to me. Only an email which no one replied to. The way this company handled this case was very disappointing and unprofessional. The last person at Blackhawk I spoke to was ******* (employee # XXXXX) and was no help. I even called the corporate office in Pleasanton (XXX-XXX-XXXX) and received no call back. Fraud was definitely committed and it is being over looked and I am being held responsible for it. No one at this company seems to care about the consumers that help keep their door open.

Desired Settlement: Since I was given a $100 gift card and there is a balance of $2.01, I am requesting to have the additional $97.99 placed back on the new card your company sent me.

Business Response: Initial Business Response /* (1000, 9, 2015/07/27) */ VIA BBB WEBSITE July 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********* Dear Ms. *****, On July 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ********* with respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On March 11, 2015, Mr. ********* contacted customer service. He stated that he had received the card as a holiday gift. When Mr. ********* tried to use the card, he discovered that there was only $2.01 left on the card. A $97.99 purchase from Sears had been made on January 4, 2015. We asked Mr. ********* to provide a completed dispute form, a copy of the front and back of the card, and proof of purchase. Mr. ********* provided the form and the copies of the card, but was unable to provide the proof of purchase as the card was given to him as a gift. Nevertheless, we have credited $97.99 to the replacement card that Mr. ********* received. We have contacted him to let him know that the balance has been restored to the card and is ready for use anywhere within the U.S. that Visa Debit is accepted. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX ************************ ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 11, 2015/07/28) */ (The consumer indicated he/she ACCEPTED the response from the business.) Although I am accepting the offer to restore the balance of the card which is what I requested in March 2015, I hope in the future they do not wait for a consumer to get this frustrated to the point of filing a complaint to get a resolution. The customer service was absolutely worthless. I would expect the company learn from this and focus on better ways to improve customer service. I checked the balance of the card this morning and see there is a $100 balance on the card. Thank you.

7/28/2015 Problems with Product/Service | Read Complaint Details
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Complaint: No gift card was delivered I purchased an egift card on 6/15, invoice #XXXXXXX-XXXX-XXXXXX and my recipient didn't receive the item so I emailed the company and they still have not responded it is now 6/19

Desired Settlement: I'd like a refund

Business Response: Initial Business Response /* (1000, 8, 2015/07/10) */ VIA BBB WEBSITE July 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On June 22, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to an order placed on www.giftcardmall.com that she never received. This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Ms. ***** may have experienced. On June 15, 2015, Ms. ***** placed an order on www.giftcardmall.com for an eGift, which is an electronic gift card that is sent via email. We are unsure as to why it was not received; however, we did resend it on June 24, 2015. We have attempted to contact Ms. ***** to ensure that the eGift was received, but we did not receive a response. Accordingly, we **** consider this matter resolved. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/28/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Each time when I try to load the card, your system fails! It requires I register my device everytime I attempt to load my account. I have purchased several reloadit safe packets from a local TX department store. Each time when I go to load the packet on my card, the Blackhawk Network system has failed!!!!! Not just once, but every time I must call customer service to get assistance. Well....... Again today I purchased a packet and with no surprise, it failed to load. When calling your customer service center, they informed me the system is down all weekend and no one can load a packet!! This is the most pitiful company to have not planned for some sort of back up to help your customers load their account!! Upon demanding a refund for the reloadit packet purchased, I was informed it would take a minimum of 30 business days. I beleive this comapny is falsely advertising when making statements of safe and easy account loading. In this case, I cant even load the card with additional funds. Im very disappointed that this company is accredited with the BBB???

Desired Settlement: Find better technology or close down!! Stop making it difficult to load an account!!!

Business Response: Initial Business Response /* (1000, 8, 2015/07/10) */ VIA BBB WEBSITE July 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On June 23, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ***** ***** with respect to applying funds from his Reloadit Pack to his prepaid card via the Reloadit Safe on www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. Mr. ***** states that he has experienced difficulties accessing his Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is also a card validation period for each new prepaid card that is added to the safe. Mr. ***** states in his complaint that he was unable to access his funds and has experienced this on several occasions. Most recently, on June 21, 2015, Mr. ***** purchased a Reloadit Pack and associated $50 to it. Mr. *****'s Pack was successfully applied to his prepaid card the following day.We have contacted Mr. ***** and confirmed that there are no further issues at this time. We apologize for any inconvenience that Mr. ***** has experienced. We appreciate Mr. *****'s feedback. There are other ways in which money may be added to prepaid cards. We suggest that Mr. ***** refer to his prepaid card's website for further details so that he may find the method that best suits his needs. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/28/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Tax Refund My tax refund was sent to my paypower card on Feb 6, 2015. They out a hold on my card, I called them and verified all information they needed to prove my identity. They never released my funds but is constantly taking a monthly fee from the money which I was able to logon and see my balance but had no access to the funds.I talked with numerous agents and have ask for them to send me my money or return it back to the IRS!! Now we are in the middle of May 2015, and they still are holding on to my money have not sent either back to the IRS or me.

Desired Settlement: My full Refund of the amount of $4305 sent either to the IRS or myself ASAP!!!

Business Response: Initial Business Response /* (1000, 6, 2015/05/28) */ VIA BBB WEBSITE May 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********** ****** Dear Ms. *****, On May 18, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********** ****** with respect to a PayPower Visa Prepaid Card to which she opted to have her tax refund deposited. Blackhawk's affiliate is the program manager for this card on behalf of the issuer, MetaBank. On January 14, 2015, Ms. ****** registered for a PayPower card online at www.paypower.com. She filed her taxes and requested that her refund be applied to this card. On February 6, 2015, Ms. ******'s tax refund was deposited to this account. Our fraud detection systems flagged this transaction as suspected fraud, so we placed a block on the card. Later that day, Ms. ****** contacted customer service to have the block removed. She was transferred to our Risk department to verify her identity. Unfortunately, Ms. ****** was not able to pass *** identity verification questions. Since we were unable to identify Ms, ******, the funds were sent back to the issuer, Santa Barbara Tax Products Group, on May 7, 2015. Ms. ****** should contact them regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 8, 2015/06/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) I called Santa Barbara Tax Group, they stated they need a 15digit tracking number and the exact amount sent to them from, Blackhawknetwork. So I called Black Hawk and asked for the tracking number and the exact amount, they did not orovide a tracking number but they stated the amount returned was $4,000 dollars. My refund was in the amount of $4305, I would like my tracking number and correct full tax refund amount. Why would they take money from me when I did not have access, please provide me with the tracking number and full amount ASAP Final Consumer Response /* (3000, 16, 2015/06/26) */ 6-26-15 I am Reporting this Company to the IRS!!! I want my Money Released Immediately, No More Run Around!!!! Send my Tax Refund and Provide me with the 15 digit Tracking Number ASAP!!!! If this can not be Resolved by Paypower/Blackhawk by simply sending me my Tax Refund, I **** have to Sue for Lost Wages and Primitives Damages. Paypower/Blackhawk, has not sent my Refund Back Give Me my Money, No more Lies, Your Company has my Refund!!!! Release My Funds That is the only Way Final Business Response /* (4000, 21, 2015/07/16) */ ***Document Attached*** VIA BBB WEBSITE June 16, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********** ****** 2nd Rebuttal Dear Ms. *****, On June 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a second rebuttal from ********** ****** with respect to our response to her first rebuttal. We sent a check to Santa Barbara Tax Products on May 7, 2015. This refund was for $4224.07. We verified that the check had not cleared. We placed a stop payment on the original check and reissued the check to Santa Barbara Tax Products Group on July 13, 2015. We are unsure why the original check was never cashed and apologize for any inconvenience that this may have caused. We are still unaware of any 15-digit tracking number and do not have one to provide to Ms. ******. Ms. ****** **** need to address any further concerns regarding this matter to Santa Barbara Tax Products Group. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/28/2015 Problems with Product/Service
7/24/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: tax refund deposited on our paypower card issued by this company.gave us unattainable security questions, locked our $ down since 2/11/15 told us our refund would be sent back to irs for a paper check to be issued to us within 3 weeks. on 2/11/15. it is now june 1, 2015 and irs has not received our money to send our check. $9,705. called every 3 weeks up until march, we were told the funds were sent. week later we were told they were processing our check. then a week later told it was in accounting, back in processing, told they didn't know where our funds were, we had a trace done and irs confirmed the funds were still on their account and we were being charged monthly service fees, card fees, etc. told us funds were sent 3/26/15. then told the prior things in returning calls to follow up there after(prosessing, accounting, check sent, check not sent, processing again, etc.) our taxes pay almost 1/2 our living expenses. we have not been able to buy clothes, make house payments(we use 1/2 from what we save from tax refunds w/ half from our paycheck to make our house payment)lost our car(had to sell it to live off of) and management refused to give her name. 2nd round of calls with management I got hung up on. I got hung up on many many countless times when I asked to speak to mgmt. I was told no, I could not speak to management numerous times. as of today, june 1st, almost 4 months after our refund was to be paid out, we have received nothing. irs has received nothing. I cannot get a replacement refund check because it was a direct deposit.

Desired Settlement: restitution for having to sell off everything we own to sustain our family would be fair and just, and of course our tax refund owed in the amount of $9,705. we sold our bedroom suit one month to pay our house payment. we sleep on the floor. i cannot be reimbursed for the miles i have walked not having a vehicle, neither can my children. I am currently applying for welfare to keep power in my house, and that is pure ridiculous.

Business Response: Initial Business Response /* (1000, 11, 2015/07/09) */ ***Document Attached*** VIA BBB WEBSITE June 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *****, On June 4, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******** with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On January 20, 2015, Mr. ********'s taxes were filed through TaxAct and PayPower Card was registered in his name. An unusually large tax refund posted to Mr. ********'s account on February 9, 2015. That same day, our fraud detection system flagged this account as suspected fraud, so we placed a block on the card. On February 11, 2015, Mr. ******** contacted customer service to have the block removed. He was transferred to our Risk department to verify his identity. Unfortunately, Mr. ******** was not able to pass *** identity verification questions. Since we were unable to identify Mr. ********, the funds were sent back to the IRS, on May 22, 2015. Mr. ******** should contact them regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 13, 2015/07/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of 7/8/2015, the irs confirmed that they have not received the funds from this company they say they sent on may 22. The irs cannot reissue our check until this bank affiliate sends it. This is month 5..... Final Business Response /* (4000, 16, 2015/07/21) */ VIA BBB WEBSITE July 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Rebuttal Dear Ms. *****, On July 13, 2015, Blackhawk received a rebuttal from ***** ******** with respect to our response to his original complaint. On May 22, 2015, we issued a check to the IRS which included the tax refund from Mr. ********'s account. These funds were returned to the IRS due to our inability to verify Mr. ********'s identity. The IRS cashed this check on May 29, 2015. We are unable to assist Mr. ******** any further since we no longer have the money. He should direct any questions or concerns to the IRS directly. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 18, 2015/07/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of 7/24/2015, this is not resolved. I spoke with representative at IRS Tax Advocate and she does not have this money, have not received this money, have not cashed a returned refund on our behalf of this company. This is ludacris and unacceptable and needs immediate resolve ! This is month 6!!! Stop telling me to contact the IRS, they are rude and act like I'm a fool repeatedly contacting them for funds that your company most certainly HAS NOT APPLIED!!! You need to figure out what went wrong where, contact the IRS and fix this.

7/21/2015 Delivery Issues | Read Complaint Details
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Complaint: Froze prepaid cards funds after it had been loaded with cash. **** not say why it has been frozen and wont let me have my money back! STRAIGHT THEFT! Talked to Supervisor by the name of **** (Employee ID: ****). He was extremely rude and HUNG UP on me. This all took place on April 24, 2015. All I want is my money back and these crooks refuse to let it go.

Desired Settlement: I don't want my account reinstated. I simply want to withdraw my funds and never look at this company again.

Business Response: Initial Business Response /* (1000, 8, 2015/06/08) */ VIA BBB WEBSITE June 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** Dear Ms. *****, On May 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** **** with respect to a block on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf the issuer, The Bancorp Bank. On April 8, 2015, Mr. ****'s account was blocked because of suspicious transaction patterns. We suspected that his account had been used to defraud several consumers. Per the terms and conditions of Mr. ****'s card: We may cancel or suspend your Card or this Agreement at any time for any reason (for example, if we suspect fraud or unauthorized activity on your Card Account). On April 9, 2015, Mr. **** contacted our Risk department. We requested various documents to verify his identity and prove ownership of various Reloadit Packs that had been loaded to his card. We advised that sending this documentation could lead to his account being unblocked. Mr. **** failed to provide any documentation proving ownership of any of the Packs. Moreover, several consumers called to complain that they were defrauded into purchasing Reloadit Packs that were loaded to Mr. ****'s account. Accordingly, on April 20, 2015, we closed Mr. ****'s account. Because Mr. ****'s account has been associated with fraud, we **** not reopen the account and **** not provide any type of refund to Mr. **** unless he can show that he purchased the Reloadit Packs used to load the account. Instead, the money in his account **** be reserved for refunds to the fraud victims. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/06/09) */ (The consumer indicated he/she DID NOT accept the response from the business.) Truly a low and despicable company and customer service representative to post false accusations with no proof. Almost to the point of defamation. First off, Blackhawk has the worst "customer service" you could ask for in a company. Every single person says something different, nobody knows what is going on, and the worst is THEY LIE AT GREAT LENGTHS. More related to my situation, I was contacted once by a mysterious person that said they were from the risk department. They asked for my a picture of my ID next to my prepaid card. I did as such and emailed it the email address provided. There was no response. No follow-up. No one to call at this risk department. A waste of time and an illusion that they were doing something about my account. This is the first I'm hearing about any fraud and reloadit packs. They were all purchased legitimately with cash. Of course I can't show I purchased the packs at this point as it's been MONTHS since then and have been thrown out! If I committed fraud, wouldn't I be contacted by these people I defrauded or the POLICE? What a complete farce to hold people's funds for your corrupt company! I have been doing research during this period and there are HUNDREDS of other individuals that I have seen online with the same issue of BLACKHAWK NETWORK blocking and locking funds for no reason. Are all these people executing fraud? It seems more likely there is fault with your company. I see a Class Action in your future. Final Business Response /* (4000, 14, 2015/06/29) */ ***Document Attached*** VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** Rebuttal Dear Ms. Green, On June 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ***** **** in regards to our response to his original complaint. Mr. ****'s account has been closed. The Reloadit Packs that have been applied to his account have been associated with fraud by individuals who have claimed that they have been scammed. These individuals have been able to prove ownership with proper documentation. Since Mr. **** is unable to produce these documents, we are unable to provide him a refund. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 16, 2015/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) This company is full of lies and deceit. You can't believe a word from the mouth of any of their representatives. The chain of command is disjointed and the people in their current positions have no idea what is going on. I have proof of purchased product and receipt but your department has failed to receive them MULTIPLE times. Your claim to use MY funds to pay back some unknown person that was scammed (I have yet to find out who) yet the funds are slowly being depleted by MONTHLY FEES right into your pocket. This is a crooked company and they **** be exposed through lawsuits. Do any cursory Internet search and you **** see thousands with the same issue. Class action is being prepared.

7/21/2015 Problems with Product/Service
7/21/2015 Problems with Product/Service
7/20/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have been dealing with trying to get my refund from this company since February 6, 2015. They keep giving me the runaround about giving me my refund On 1/31/15 I purchased 5 reload it cards worth $500.00 each from Meier to purchase a car off eBay. The car ended up being a scam so I called reload it for a refund on February 6, 2015. The guy I talked to got all my information and put a stop on the reload it cards. He told me I should receive my check within 20 business days. A month later I called back trying to find out why I haven't received a refund and the guy I talked to said they closed the ticket because they tried to call me and I never answered. Come to find out they put my phone number in their system as (209) instead of (219). So then they tell me I need to fax my proof of purchase to them. Within a couple of days I went to fedex and tried a couple of times that day to fax my info to them and their fax number would not go through. So I call them the next day and they tell me I need to email them pictures of my proof of purchase. I emailed them pictures of my receipts and cards. The person I talked to said once they receive my proofs it'll go through processing and I'll receive my check within 20 business days. I gave them another month and called them back. They claim they never received my emails in which I sent 3 that night. So at this point I tell them I want to speak to the person in charge and they give me a guy I believe his name was ****. I explain my problem to the supervisor who tells me he is going to sit on the phone with me while I email my proofs to them and when he receives them we **** be on the phone so I **** know my email got to him. He tells me to let him know when they have even sent. When I get them sent and I'm repeating his name and no one is answering me I realized he had set the phone down and walked away cause I can still hear the backround of his office people talking. So I call back and ask to speak to him and now he is unavailableso I ask to speak to whoever is in charge now. They give me another man I forget his name. I ask this guy to please check and make sure my emails got to them and he refuses. He tells me **** is the only one with this access and to call back in the morning. I didn't have anymore time to deal with this for about a week. When I called back they told me that I didn't send my information on time and they closed the ticket. I sent the information within the hour of being on the phone with ****. This was the 4th time they closed my ticket and they keep giving me new reference numbers. When I called this last time they said they didn't get my information on time and had to close it but they have all my information now so they were reopening the ticket and I should be receiving my check within 20 business days (that was about a month and a half ago). I called 2 weeks ago and they said my refund was approved and I should be receiving my check 7-10 business days. I called today may 26, XXXX XX:XX am and he told me my claim was sent to their accountant 6 days ago and they **** call me after the check is sent so if I do not receive a call from them within 6 days then call them. This is all I get from them is a promise my check **** be in the mail but it is never in the mail.

Desired Settlement: I just want my refund of $2500. I am out of time playing phone games with these people. I have waited 4 months now

Business Response: Initial Business Response /* (1000, 10, 2015/07/02) */ ***Document Attached*** VIA BBB WEBSITE June 26, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Dear Ms. *****, On April 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********* with respect to five Reloadit Packs that she purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On January 31, 2015, Ms. ********* purchased five Reloadit Packs and provided the Pack information to a fraudster. Shortly thereafter, she suspected fraud and contacted customer service. We were able to block the Packs from use before the fraudster could apply the funds. It generally takes between 20-30 business days to receive a refund check. We have processed a refund for the full amount of $2500. The check was sent on May 28, 2015. Ms. ********* should receive the check within a week. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/20/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: My federal refund was sent to them. we **** send your money back to irs. But are holding the funds for 30 bus days and 30 b4 they send back. Collect i They **** not return your irs refund back to irs, or to you. They are holding many refunds and probably collecting the interest. Say they need to hold for 30 days the another 30 before irs receives it.. scam

Desired Settlement: My irs refund sent to me today

Business Response: Initial Business Response /* (1000, 5, 2015/05/08) */ VIA BBB WEBSITE May 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********. Dear Ms. *****, On May 1, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ********. with respect to a PayPower Visa Prepaid Card to which his tax refund was deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On March 19, 2015, Mr. *****'s taxes were filed through TaxACT and a PayPower Card was registered in his name. A tax refund posted to Mr. *****'s account on March 30, 2015. That same day, our fraud detection system flagged this account as suspected fraud, so we placed a block on the card. On April 1, 2015, Mr.***** contacted customer service to have the block removed. He was transferred to our Risk department to verify his identity. Unfortunately, Mr. ***** was not able to pass *** identity verification questions. Since we were unable to successfully identify Mr. *****, we have sent the funds back to the IRS. Mr. ***** should contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/05/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) We did contact the company on April 6th 2015. They did transfer me to another dept. And I was asked numerous questions regarding my address from my childhood, and a question regarding a man MY SISTER was married to in 96 for a very short time. And what state he lives in now. Those have nothing to do with me and who I am. They also then didn't send my refund back to the irs, for over a month and actually, I still haven't heard from the irs stating they received the direct deposit back... they held my money and collected interest on it and only moved the process along when I spoke with them numerous times and contacted the BBB. Final Business Response /* (4000, 18, 2015/06/29) */ VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********. 2nd Rebuttal Dear Ms. *****, On May 14, 2015, Blackhawk Network, Inc. ("Blackhawk") received a second rebuttal from ******* ********. with respect to our response to his rebuttal. Mr. *****'s funds were sent back to the IRS on May 7, 2015. The IRS cashed this check on May 21, 2015. We are unable to assist any further as we no longer have this money. Mr. ***** **** need to address any questions or concerns with the IRS directly. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 20, 2015/06/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have spoken to the irs, who is saying they have never received a check from them. I asked for proof that the document was sent, and they told me no, they could not do that... this place scams ppl out of their money, it's all over the internet... plz ask them to send you proof they sent said check and the irs cashed it.

7/17/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I purchased a gift card from Blackhawk and attempted to use that gift card to make a purchase, which was declined. Blackhawk charged me anyway. On 10/1/14, I purchased a $500 Visa gift card (account ending ****) from ***** **** in ******** *** On 10/11/14, I attempted to make a $500 purchase at Walmart in **********, **. The purchase was declined by Walmart. As soon as I noticed that the charge was still showing up on my gift card even though the transaction was declined, I called Cardholder Dispute Services on 10/17/14 to try to resolve the matter. (Proxy number XXXXXXXXXXXXXXXXXXX) I was advised to try to resolve the matter first with Walmart, but I was unable to do so because I did not have any receipt. (Again, I did not have a receipt because the transaction was declined and no receipt was provided.) After my unsuccessful attempts to resolve the matter directly with the Walmart store, I emailed the cardholder dispute form to Blackhawk Network on 11/13/14. I believed that Blackhawk Network was investigating the matter and would recover the funds to my card. Two months later in January 2015, I received notice from Blackhawk Network that they had concluded their investigation and found that no error had occurred. They informed me that my case was considered resolved and closed. The letter was dated 1/13/15. I immediately called Walmart customer service and was provided with the Walmart electronic payment center phone number (XXX-XXX-XXXX). When I called the Walmart electronic payment center and asked if there had been any charges made to my gift card on 10/11/14, I was informed that there was one attempted charge of $500 that had been declined. There were no other charges to the gift card from 10/11/14. I requested that they provide me with this information in writing, but they indicated that it was in their computer system but not something they could print out and provide to me. Walmart electronic payment center suggested that I call the gift card bank and then call back together (3-way calling) to Walmart electronic payment center so they could provide this information directly to the bank since it was clear that the card was charged in error. When I attempted to do this on or around that same day, 1/22/15, I was informed by Blackhawk Network customer service that the investigation was closed because there had been no proof of purchase provided for the gift card. The customer representative insisted that the letter dated 1/13/15, stated that the investigation had been closed because there was no proof of purchase provided. The letter I received definitely did not state this. In any case, I then worked to get proof of purchase for the gift card. When I called back to provide the proof of purchase, and to request a 3-way call to Walmart electronic payment center, I was informed that the representative was not able to conduct a 3-way call. I was calling from a phone that did not allow 3-way calling, so I ended the call. When I called back again from my cell phone and offered to make a 3-way call to the Walmart electronic payment center, the representative informed me that the investigation was closed and there was nothing she could do. Even if Walmart clearly stated that there had been no charge made to my gift card on 10/11/4, she could not assist me with disputing the charge and recovering my funds. She further stated that the investigation could not be reopened because more than 60 days had passed ***** the disputed charge, even though I explained that I have been working with Blackhawk Network since 10/17/14 to dispute this charge. I sent a letter to the Blackhawk Network corporate office on 2/13/15 requesting that the dispute investigation be reopened in order to get the purchase price of my $500 gift card refunded. On 3/30/15, Blackhawk reported that they were unable to credit my account and were closing my dispute because the account discrepancy had not been communicated to them no later than 60 calendar days from occurrence, which was not true.

Desired Settlement: I am requesting that the $500 that was erroneously deducted from my gift card balance be refunded to me.

Business Response: Initial Business Response /* (1000, 9, 2015/06/08) */ VIA BBB WEBSITE June 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ******* Dear Ms. *****, On May 19, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ******* with respect to an alleged unauthorized charge on her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On October 1, 2014, Ms. ******* purchased her $500 gift card. On December 11, 2014, Ms. ******** contacted customer service. She indicated that on October 11, 2014, she attempted to make a transaction at Walmart in **************. for $500, but that transaction was declined. She wanted to dispute the declined transaction. Our account records indicate that a $500 purchase was indeed made at Walmart in **************. on October 11, 2014. Perhaps Ms. ******* tried to make a second purchase that was declined. In any event, given Ms. *******'s statements about attempting to use the card at Walmart in **********, ***., we believe she made the purchase for $500 and thus obtained full value for her card. Her dispute was therefore resolved against her, and we **** not be providing her with additional money. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/06/22) */ (The consumer indicated he/she DID NOT accept the response from the business.) Although the response indicates that they consider the matter closed, I am still working with Blackhawk Network and provided additional documentation in order to reopen the investigation. I did not make any $500 purchase with the gift card. Final Business Response /* (1000, 15, 2015/07/15) */ ***Document Attached*** VIA BBB WEBSITE July 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ******* Rebuttal Dear Ms. *****, On June 26, 2015, Blackhawk received a rebuttal from **** ******* with respect to our response to her original complaint. Since we did receive further documentation from Ms. *******, the investigation was reopened. On June 15, 2015, the case was resolved in Ms. *******'s favor and a credit of $500 was applied to her account. We have issued a replacement card that she should receive in 7-10 business days. She **** be able to use the car (once activated) anywhere that Visa Debit is accepted within the United States. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 17, 2015/07/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciate the credit applied to my account and I look forward to receiving the replacement card. Thank you.

7/17/2015 Problems with Product/Service
7/16/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Cardholder Dispute Services refuse to refund us claiming that we have not produced all the forms and paperwork which is untrue. This letter is to address fraudulent Visa Gift Card #XXXX XXXX XXXX XXXX purchased in December 2014. Attached is a copy of the original card (number noted above) and the replacement card number (XXXX XXXX XXXX XXXX) your company sent with the assurance of finalizing your fraud investigation and refunding me by restoring the purchase amount of $500 onto the replacement card. The gift card was given to me by my employer and both of us have been following up on this matter regularly since the purchase of the original gift card, and to date there has been no resolution and no feedback or follow up from your company, and you have yet to activated the replacement card which still has a zero balance. I’ve also enclosed a copy of the receipt showing that my employer purchased over $5000 in gift cards, which should surely warrant an immediate resolution in this matter. I am asking that you would immediately refund me the $500 for the fraudulent gift card. Either activate the replacement card your company sent, or provide me with a new card all together, whichever **** resolve this issue expeditiously. As of today our company Administrative Assistant phoned to make yet another inquiry as to the status of the refund and was informed that your company was waiting on documentation from us. However, your employee could not verify what documentation needed to be sent. No one ever indicated that we needed to provide any additional documentation since the issue of the replacement card. Now we are at the point of being taken advantage of twice, once from the original purchase and now by your company giving us the run around for the last six month in what I believe is your attempt to avoid reimbursing us the $500 which is most certainly owed to us. On 06/29/2015, our Admin called YET AGAIN and spoke to ****** who was of no help. He claims that they requested additional paperwork from us however, when she asked him what documentation was missing, he couldn't even tell her. When asked to speak to a supervisor, he said that she was unavailable and when asked for a name, he didn't even know it. He was unwilling to give a direct extension or an email. In additional to the events that transpired above, we sent a package of ALL the requested materials with a certified return receipt. It was received on 06/19/2015 by a *******. NO RECORD OF IT WAS FOUND IN THERE SYSTEM, and they still claim to not have gotten it when I clearly have the return receipt from their company.

Desired Settlement: We request an immediate refund or for the replacement card sent to be activated with $500 in full.

Business Response: Initial Business Response /* (1000, 5, 2015/07/16) */ VIA BBB WEBSITE July 16, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ***** Dear Ms. *****, On July 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ***** with respect to unauthorized charges on her Visa Gift card. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On January 21, 2015, Ms. ***** contacted customer service to begin the dispute process for two unauthorized charges on her card. We asked Ms. ***** to provide a completed dispute form, a copy of the front and back of the card, and proof of purchase. Ms. ***** provided all of the requested documentation required to investigate her case in a timely manner. On July 14, 2015, Ms. *****' case was resolved in her favor. A credit of $500 was applied to her card. She may use the card anywhere that Visa Debit cards are accepted within the U.S. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I submitted a dispute case with Paypower on April 15, 2015 almost 2 months ago. I have not heard any update or no communication about my case. I disputed a transaction that took place on Feb 12, 2015 at BIG Y *** for the amt of $193.95. Paypower is ignoring me. My paypower card acct # is XXXX XXXX XXXX XXXX. I submitted the dispute on April 15, 2015. The store is not refunding me my money when I return a product there. They told me they would. Paypower is suppose to help me get my money back. They are ignoring me and have not communicated w/ me. I would like my $193.95 back. Its been over 2 months now. Please BBB help me get my money back.

Desired Settlement: I would like for Paypower to do their job and quit ignoring me. I want my $193.95 back.

Business Response: Initial Business Response /* (1000, 8, 2015/06/29) */ VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *****, On June 5, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to an unauthorized transaction on his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Mr. ****** disputed a transaction that had not been refunded even though he claims that he had returned the merchandise. On June 18, 2015, we were able to resolve this matter in Mr. ******'s favor. A credit in the amount of $193.95 has been posted to his account. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/15/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: 2/15/15 fraud claim filed for unauthorized trans $222.47. Partial ref rec'd $131.35.Still have not rec'd the remaining $91.12. Fraud claim was filed in Feb 2015 for a transaction that was not authorized on my tmobile money services card. All proof documentation was sent to Blackhawk that was requested. Received a partial refund of $131.35. Remaining 91.12 still has not been refunded back to me. I have called several times and was told that the issue is being researched. Given several different case numbers that when i called back to check on the status was told that the claim has been resoleved. Each time I call in I am provided another claim number and told 1-3 business days for research with no resolution at the end. The staff is very rude and unprofessional. Advised them that I was going to file a complaint and I was hung up on. I have been dealing with this issue since February 2015 and i am very frustrated at this point. I want the remainder of my refund that is owed to be for the unauthorized transction. Please help me resolve this issue with this company.

Desired Settlement: A refund for the remainder funds due in the amount of $91.12.

Business Response: Final Consumer Response /* (2000, 6, 2015/07/15) */ Blackhawk Network Inc has credited the $91.12 back to my card as of today, 7/15/15. Thank you so much for your assistance with this.

7/15/2015 Problems with Product/Service
7/15/2015 Delivery Issues
7/14/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Fraudulent conpany I purchased a reloadit card and loaded 365.00 onto it so I could load my Netspend card. Reloadit makes you create a safe acct and there system is not functioning I was told by a supervisor there system has been down for two weeks yet they continue to see these reloadit packs knowing there us this problem I been calling nonstop they tell me call back in two hours or a new email link has been sent and no emaulbis received I've also been told there's nothing they can do in the meantime I need my money 365 dollars is a lot of money and I need to pay my **** this company is holding my money and they act like its okay ironically there website has a huge popuo warning consumers of fraudulent scams when they are the biggest scam please I as m desperate I need access to my money and I cannot wait over 30 days for a refund this company needs to be investigated

Desired Settlement: I need access to my mone right away

Business Response: Initial Business Response /* (1000, 5, 2015/07/13) */ VIA BBB WEBSITE July 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* **** Dear Ms. *****, On June 29, 2015, Blackhawk Network Inc. ("Blackhawk") received a complaint from ********* **** with respect to applying funds from a Reloadit Pack via www.reloadit.com. Blackhawk's affiliate, Blackhawk Network California, Inc., operates this website and issues the Reloadit Pack. On June 25, 2015, Ms. **** purchased a Reloadit Packand associated $365 to it. She attempted to establish a Reloadit safe at www.reloadit.com, but was unable to do so.. The safe is a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. We apologize for any inconvenience or delay that Ms. **** experienced. We were able to reach out to her prepaid card company and ensure that the funds were loaded to her card. They confirmed that the Pack was successfully applied on June 30, 2015. That same day, we confirmed with Ms. **** that her prepaid card's balance included the $365. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/14/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Card balance was used before card was even opened while still in my possession. Card expires in 2022 but I was told I only had 60 days to complain. My wife received the card in Nov. of 2014 as a gift from a student. She went to use the card in May of 2015 and it was declined. I checked the balance online and it was $0.97. The card was initially loaded on 10/21/14 for $100 at VONS in ********, CA, but was then immediately used at a Rite Aid on 10/23/14 for $97.95 in Cathedral City 92234 (about 150 miles or so from ********) and then on 10/24/14 at McDonald's for $1.08 in ***********. Note, all of these happened within days of the card being initially loaded at VONS and also prior to my wife even receiving the card from her student in Nov. 2014. My wife kept the card sealed and at our house the whole time and didn't open it until the day she tried to use it in May 2015 and had it declined. I called Blackhawk network and spoke to 5 different people, including 2 supervisors and was even told to call back for another supervisor since she was at a meeting. I was basically told that I could only dispute problems up to 60 days. The point is this: the card doesn't even expire until Nov. 2022 so how are we supposed to know that the card was hacked and stolen just 2 days after it was purchased if we had until Nov. 2022 to even use it. I am simply requesting a new card for $100 and that they change the policy to either cover disputes for the length of the card's expiration, and or make the card expirations as short as the dispute timeframe. I noticed that other complaints of this business have the same issue of people going to use their cards and they are stolen and used before people even get to use it once. How is this possible? They have a leak in their system and their processes and yet they choose not to fix it or compensate customers. This is a cheap way to run a business. If the public knew how horrible this was they wouldn't buy gift cards like this anymore.

Desired Settlement: I am requesting a new card for the original value of $100 be sent immediately.

Business Response: Initial Business Response /* (1000, 8, 2015/07/08) */ VIA BBB WEBSITE July 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On June 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to unauthorized charges on his Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On June 17, 2015, Mr. ***** called to request a replacement card and begin the dispute process. The charges posted were made on October 22 & 23, 2014. Visa requires that all transaction disputes be filed within 60 days of the transaction date. Since Mr. ***** was unaware of the card's balance as it was a gift, we are sending him another gift card with a $100 balance. He should receive it in 3-5 business days. It **** be delivered via UPS. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/07/13) */ 7-12-15 Sent via email: Thanks for the information about a resolution with my gift card. I **** wait for them to send me the gift card and then once it is received I **** reply to you to consider this case closed once I am able to receive a working gift card. Do not close this case yet please. Thanks.

7/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Had my tax return deposited onto my Pay Power card for $4347.36. It was deposited on April 8, 2015 from the IRS, funds were never released to me. Had my fiancé tax return deposited onto his Pay Power card for $4347.36. It was deposited on April 8, 2015 from the IRS, to make a long story short, after NUMEROUS phone calls to customer service and them saying it's in the ''RISK DEPARTMENT'' we still don't have access to the money. They said it **** be available in 3-5 days…. It's been way over that time frame and it's still not available. When I log onto the account online it shows up as ''available balance'' but of course when I use the card ANYWHERE it gets declined. We are hard workers and have been depending on this. That is a large amount of money to steal!!!!!! I don't know how these people sleep at night. Then they charge their monthly service fee on the money we don't even have access to, so they have access but we don't!!!!!! So once I told them they were a SCAM and that I saw all these complaints on them once I started doing research they said that they were going to close my account. Card number XXXX XXXX XXXX XXXX *************************** Pay Power Visa Card ******* ****** *** 11/30/72 Last 4 of SS# **** **** ***** Dr *********** ** XXXXX

Desired Settlement: Check sent in the mail for full tax refund amount of $4347.36. Or the full amount available on the visa card listed above but without a ATM withdrawal or daily purchase limit so I can withdrawal all available funds.

Business Response: Initial Business Response /* (1000, 11, 2015/05/22) */ ***Document Attached*** VIA BBB WEBSITE May 21, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *****, On April 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to a PayPower Visa Prepaid Card to which his tax refund was deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 13, 2015, Mr. ****** applied and registered for a PayPower card. He filed his taxes and requested that his refund be applied to this card. A tax refund posted to Mr. ******'s account on April 8, 2015. That same day, our fraud detection system flagged this account as suspected fraud, so we placed a block on the card. On April 11, 2015, Mr.****** contacted customer service to have the block removed. Additional calls were made by a woman claiming to be Mr. ******'s girlfriend, who stated Mr. ****** was in prison. With a few minor exceptions, federal law requires us to verify the identity of every cardholder before giving them access to funds. Since we were unable to successfully identify Mr. ******, we are sending the funds back to the issuer. Mr. ****** should contact ***** ******* Tax Products Group regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 13, 2015/06/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) The company was able to verify multiple indentifying factors by ******* ****** such as name, ***, full ss#, current and previous addresses, realativs names, ages and relationships. Even with all of the above identifying factors the account was still closed. That is ok, but what is not ok is that the funds were supposed to be sent back to the issuer Santa Barbara Tax Products Group on April 27, 2015. It is now June 8, 2015 and the company still has not received the funds amounting $4,347.36 from Blackhawk Network. I have made multiple phone calls to the corporate office and told that it takes 3-5 days for the transfer, then I was told it takes 7-10 days to transfer and now I have been also told it takes 30-60 days to transfer the funds back to the issuer. The funds were sent electronically to Pay Power and they should be sent back the same way. I have never heard any funds taking that long to be sent back to to a issuer. That is a very large sum of money that was paid to ******* ****** by the IRS to still not be available. I could understand if it was from a unknown issuer to possibly take longer but it was a tax return. This needs to be resolved yesterday! This is ridiculous and a very shady company to ever do this to someone! Final Business Response /* (4000, 17, 2015/06/29) */ ***Document Attached*** VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Rebuttal Dear Ms. *****, On June 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ******* ****** with respect to our response to his original complaint. The security measures that we have in place are for the safety of our customers and their accounts. Mr. ******'s funds were returned to Santa Barbara Tax Products Group ("SBTPG") on May 14, 2015. At this time, we recommend that he direct all questions and concerns related to this refund to SBTPG as we no longer have this money. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/10/2015 Problems with Product/Service
7/8/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a reloadit card 3/26/15. I was told reloadit.com had been hacked. I said, "please send back my $200.00". I still don't have my money back! I ******* *********, purchased a Reloadit card; pack#XXXXXXXXXX on 3/26/15. I paid $200 + $3.95. I am told to wait one hour before calling Customer Care to place the money on my paypower card. I called and was told Reloadit.com had been hacked! I asked to have my $200 returned to me. I was told it would take a month! I asked why? I called at the end of the month; I was given another future date! I was given a case #ITRXXXXXXX; I called a month later, I was told it would be another 20 days! I called again in 20 days; another extended date was given; again another extended date was given. I have lost all confidence this this company! Today is June 4, 2015, it is about 8:20p.m. in the evening. I still have not received my money back!

Desired Settlement: I simply want my money refunded. I **** never do business with them again.

Business Response: Initial Business Response /* (1000, 8, 2015/06/29) */ VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********* Dear Ms. *****, On June 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ********* with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 26, 2015, Ms. ********* purchased a Reloadit Pack and associated $200 with it. That same day, Ms. ********* contacted customer service for assistance. She was instructed on how to add the Pack to a Reloadit safe at www.reloadit.com. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Unfortunately, Ms. ********* had difficulty creating a safe. Since the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card, Ms. ********* requested a refund for her Reloadit Pack. Ms. ********* claims that someone in customer service told her Reloadit had been hacked. This is incorrect and appears to be the result of miscommunication. We apologize for any inconvenience that Ms. ********* has experienced. We have processed a refund for $200 and another for the purchase fee of $3.95. Both checks were issued on June 19, 2015. Ms. ********* should receive both checks within two weeks. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/07/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) The person I originally spoke with never mentioned anything relating to "safe". I have no idea what that is. Anyway, I am grateful for BBB assisting me in this matter. **

7/7/2015 Problems with Product/Service
7/3/2015 Problems with Product/Service
7/2/2015 Problems with Product/Service
7/2/2015 Problems with Product/Service
7/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: This Company is operated by scammers who come up with excuses why you can't have access to it once its loaded on the Reloadit card. I purchased a Reloadit Pack and added $320 onto the card and every time I tried to gain access to the card I couldn't because of technical difficulties the company was having.Every time I would contact a Customer Service Representative I was given a different excuse for the reason why they were having technical difficulties and when I requested a refund I was given 2 different fax numbers each time I was told the fax was not received.This Company is a scam and I **** never deal with them again nor **** I recommend anyone.

Desired Settlement: I want a full refund of the amount and purchase of the Reloadit Pack from this Company.

Business Response: Initial Business Response /* (1000, 8, 2015/06/29) */ VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *****, On June 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******* with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On May 23, 2015, Ms. ******* purchased a Reloadit Pack and associated $320 to it. On May 26, 2015, Ms. ******* added the Pack to her Reloadit safe at www.reloadit.com. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Unfortunately, Ms. ******* had difficulty applying the Pack to her prepaid card within her safe. Since the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card, Ms. ******* requested a refund for her Reloadit Pack. We apologize for any inconvenience that Mr. ******* has experienced. We have processed a refund for $320. The check was mailed to Ms. ******* on June 17, 2015. She should receive it within two weeks. We **** send a refund for the $3.95 purchase fee separately. Ms. ******* should receive it within a month. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/07/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) The matter has been resolved I've received my refund..Thank you.

7/2/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I was the victim of an IRS tax scam where I had to purchase 4 of the Reloadit packs. I immediately reported it and have not received my refund yet. On March 20th, 2015 I was the victim of an IRS tax scam where the crooks advised me I would be arrested if I didn't give them $2000. They kept me on the phone and made me purchase 4 Reloadit packs. While at the store I was advised of the IRS scam and I immediately went home and called the police to file a report and also I called the Blackhawk customer service number to report the scam/fraud, stop the funds on the cards, and to request a refund. They advised me that they set up a claim # for me and requested all the info from the cards. They also stated the investigative and refund approval process could take up to a month to receive my refund and that someone in the fraud department would contact me in a week. I waited 2 weeks and no one contacted me. I called again and was told they are busy with lots of the tax fraud cases and to speed things up I should fax copies of the cards and receipts for proof. I faxed those to them on 3/31/15. I called again every two weeks for the next months and on May 4 I called again, they stated the refund was approved and the refund check would be mailed that day and I should get it in 7-10 business days. I waited 2 weeks and did NOT receive the check. I called again and was told the check was issued May 11th and went in the mail on the 12th, and to wait another week. I called after that week and was told there was a delay in sending out checks and that I should have it no later than Mon. 6/1/15. I asked if they could track the check, how it was sent and if it was certified. They told me it was sent US Mail and it could not be tracked and it wasn't sent certified. Here it is June 1st and I still did NOT receive the refund check in the mail today. This company's customer service are all a bunch of liers. They have not helped me in the least bit. They say whatever to pacify me for the moment and don't deliver on their promises. I have told everyone I know how horrible of an experience I have had and **** continue to do so. I want my $2000 dollars back now!

Desired Settlement: I want my full $2000 back. I was advised they could not refund the purchase price. So I **** only get the funds applied to the cards. I was also advised that the refund would take 30 days, and here its been 2 1/2 MONTHS already and still have NOT received my refund!!!

Business Response: Initial Business Response /* (1000, 5, 2015/06/16) */ VIA BBB WEBSITE June 16, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On June 4, 2015, Blackhawn Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to four Reloadit Packs that she purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. Unfortunately, Ms. ****** was a victim of a very common fraud scheme. Typically, the fraudster **** call a potential victim and impersonate a government official. The victim is told that they must pay money immediately in order to avoid some impending disaster. The victim is asked to use a cash-like money transfer device. When 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 scam. The IRS has put out a number of press releases and videos in an attempt to warn the public. Regrettably, their efforts have not been entirely successful. Ms. ******'s case fits the pattern all too well. On March 20, 2015, Ms. ****** received a call from someone (a fraudster) claiming to be from the IRS. She was asked to purchase four Reloadit Packs for a total of $1980 in order to pay taxes she allegedly owed. Later that day, Ms. ****** contacted customer service to report the fraud. At that time, we were able to block all of the Packs from use. Ms. ****** provided us with copies of the receipt and the backs of the packs to verify her as the purchaser. We have processed a refund for the total amount of funds recovered in the amount of $1980. The check was mailed to Ms. ****** on June 11, 2015. She should receive it within two weeks. We **** send a refund for the purchase fees totaling $15.80 separately. Ms. ****** should receive that check within days of the initial one. We are sorry that Ms. ****** was victimized by this fraud scheme. We suggest that Ms. ****** file a police report regarding this matter. We **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

7/1/2015 Problems with Product/Service
6/30/2015 Problems with Product/Service
6/30/2015 Problems with Product/Service
6/30/2015 Delivery Issues | Read Complaint Details
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Complaint: Prepaid gift card scam. I received a $50 gift card from my mother for Christmas. I did not activate this card until I had a use for it (which was for a vacation in May). I activated the card that morning and presented it at a restaurant to pay for a $40 breakfast. The card was declined. I then called Pay Power and was informed that a monthly service maintenance fee had been applied since my mother's purchase which brought the card balance down to $20. I expressed my surprise that this maintenance fee was applied before I activated my gift card. The customer service rep was very dismissive about my concerns. The next day, I tried to use the card to pay a $14 restaurant tab. The card was declined (again). I called Pay Power again and was informed that an additional maintenance fee had been deducted since my last call to them the day before. I, again, expressed my outrage yet the representative was very curt and brief on the phone. I then called my mother to let her know to NEVER buy this product again (and to spread the word to others, which she has). The company scammed $50 out of her since I was never able to use the card. I have shared this story with many friends, family, and colleagues who all believe these practices are criminal. I **** also be taking this complaint to a local consumer advocate on the radio in *******.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want Pay Power to issue a $50 check/refund to my mother for ripping her off. I **** supply her name and address if this company agrees to do so. I do not want this company harassing her or me as a result of this filed complaint.

Business Response: Initial Business Response /* (1000, 8, 2015/06/29) */ VIA BBB WEBSITE June 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** Dear Ms. *****, On June 10, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** **** with respect to her dissatisfaction with the fees associated with her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Evidently, the purchaser believed she had purchased a Visa gift card. The Visa gift cards that Blackhawk distributes do not include any post-purchase fees. The purchaser, however, did not purchase a Visa gift card. Instead, she purchased a general purpose reloadable debit ("GPR") card. These cards are not gift cards. They are for self-use and are often used as checking account substitutes. Like most GPR cards, the PayPower Visa card includes a monthly fee. That fee is clearly stated on the back of the package and in the cardholder agreement. The fees begin to accrue after the initial activation that occurs at the time of purchase. On June 10, 2015, we contacted Ms. **** via email and explained that we needed the card number in order to reverse the fees on her card as a courtesy to her. She provided the necessary information and requested a refund. On June 15, 2015, we issued a check for the full amount of $50 to Ms. ****. She should receive the check within 7-10 days. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/06/30) */ (The consumer indicated he/she ACCEPTED the response from the business.) Refund check in the amount of $50 was received and cashed.

6/29/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Fraudulent charges to Rebate Debit Card. In February, 2015, I received a voicemail that a rebate debit card was compromised and that the card would be cancelled and re-issued. On March 24, 2015, I received a letter from Blackhawk Engagement Solutions stating that the rebate debit card may have been compromised and that a new card with the "remaining" balance was issued and if I had any questions to call. On May 3, 2015, I attempted to use the new card without success. On May 3, 2015, at 9:10 pm EST, I called X-XXX-XXX-XXXX and spoke to a representative that stated that there were charges made in January 2015 to Amazon.com and now there was only $18.00 left on the $200.00 rebate card. The rep. stated that she I could get a list of the charges by going to their site, but it the website show no transactions. She then claimed that she would email me the list and that I would have to deal with Amazon.com. On May 3, 2015, at 9:25 pm EST I called Amazon.com, who confirmed that the charges were not against my actual Amazon.com account (I never purchased anything from Amazon.com in January 2015). They further advised that the charges were made by an account in the name of Amanda Brown and that I had to work with the card issuer. On May 3, 2015, at 9:55 pm EST I called Blackhawk Engagement Solutions and spoke to another rep. who have sometime back and forth, she said that they had a fraud department, then they don't have a fraud department, that all of their supervisors were "in a meeting" that they could take my number and call me back in 24 hours...... I believe that I am getting the run around. If this was an actual credit card company or bank, actions would be much more responsive. Meanwhile, after nearly 2 hours of back and forth I don't have resolution to the matter and I don't have my "rebate." Seems like they do this purposely to frustrate the consumer.

Desired Settlement: Refund the fraudulent charges and examine your internal card issuing process. Clearly you have a problem if a card could be compromised before the consumer actually gets it.

Business Response: Initial Business Response /* (1000, 5, 2015/05/19) */ VIA BBB WEBSITE May 19, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On May 5, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from John ***** with respect to his Visa-branded Reward Card ("Reward Card") that was given to him as part of a consumer promotion. Blackhawk is the program manager for this Reward Card on behalf of the issuer, MetaBank. Unfortunately, Mr. ***** was given misinformation when he contacted customer service. As soon as we became aware of the issue, the agent received additional training, the unauthorized charges were disputed, and a provisional credit was applied to the Reward Card, bringing the balance to the full original amount. The Reward Card currently has a balance of $200 and is ready for use. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/06/04) */ (The consumer indicated he/she DID NOT accept the response from the business.) From: ****** R. ***** mailto:************@hotmail.com Sent: Monday, June 1, XXXX XX:XX To: 'Better Business Bureau' Subject: RE: BBB Complaint Case# ******** (Ref#XX-XXXXXX-XXXXXXXX-X-XXXX) Unfortunately, this complaint is not resolved. First, my name is *** (aka: ******) *****, not John. Second, the "provisional credit was applied to the Reward Card, bringing the balance to the full original amount. The Reward Card currently has a balance of $200 and is ready for use," is not true. I attempted to use the card on 5/31/2015 at Home Depot in Chardon, OH and it was declined. I have completed all of the forms and emailed the letter received from Blackhawk Network back to them as they didn't know what letter I had gotten from them. I have done everything they have asked, but still resolution. I am beginning to believe that this is nothing more than a scam. Thank you for your attention to this matter. Sincerely, *** ***** Final Business Response /* (4000, 9, 2015/06/17) */ VIA BBB WEBSITE June 17, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Rebuttal Dear Ms. *****, On June 4, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ****** ***** with respect to our response to his original complaint. We have reached out to Mr. ***** and have confirmed that he had discarded the wrong card by mistake. On June 9, 2015, we sent Mr. ***** another replacement card that he should receive shortly, if he has not already done so. The replacement card has the full balance of $200. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************* Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/25/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Paypower is ignoring a dispute charge I made in March 22, 2015. I want answers and a credit on my card. Paypower is ignoring a dispute charge I made in March 22, 2015. I am disputing a charge for the amt of $93.12. towards a online site called ********. I canceled my transaction with them over 3 months ago. I did not get credit back. Paypower hasn't gotten in touch with me at all. They are ignoring me. I want a credit back for the full amt of $93.12.

Desired Settlement: Have Paypower credit back me &93.12. I have waited over 3 months now for Paypower to credit me back. They are ignoring my phone calls and **** not do their job.

Business Response: Final Consumer Response /* (2000, 9, 2015/06/25) */ case is solved

6/25/2015 Problems with Product/Service
6/24/2015 Delivery Issues | Read Complaint Details
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Complaint: Pay Power is withholding my tax returns deposited on a prepaid card by irs. They put a lock on my card before I even received the card. I did my taxes thru tax act online via e-file. I chose the option of having my resume put on a pay power prepaid debt card, as this was supposed to be the quickest way to receive my refund. However Pay Power evidently put a lock on the card before I even received it in the mail. The day I received the card I tried to activate it. I only got and still only get a message saying the card has been locked and to call customer care. So I did just that. During my first call all I was told was that the case would veer sent to escalation dept, and I would get a call from then within 2-3 days so they could get some more information and then unlock the card. 1 week went by and I received no call. I also got a email from ITS stating that my tax return had been deposited into the account with the pay power card. So I called pay power cut service again and was told the same thing. This time I asked for management and the person claiming to be management stated that escalation had to gather more info because they needed to verify my identity. When I asked why he said because so many periods have the same name as mine they had to be sure that I wasn't a person with any fraud cases.I felt that to be discriminatory and started that. I also asked for a higher manager than himself and he first started there was none. After I asked them if he was in fact the Corp owner and he replied no, I argued them that he has a boss and that's who I wanted to talk to. He told me bluntly that, that would not be happening. I then asked for corporate office numbers and he said he didn't have that information and that was it. App back approximately 4 days later escalation dept finally calls me, and asks that I and a email with a selfie, picture of myself, my I'D, and another of me holding my ID. So I did what they asked and still nothing happen my card was still and is happened. still locked. I called back 5 days later to ask why. They then said I needed to fax a copy of my social sec. Card. I have done that as well now. That was over a week ago and still nothing has happen. My account is still locked with my funds on the card that I can't use. Upon looking up cust. Svc number online I noticed allot of people had complained about very similar incidents happening to them using this pay power service. Wether from tax companies or bought at business, basic complaints are very similar. It has now been over 1-1/2 months since IRS deposited my returns into the account.And 2 months since I initially received the card and contacted pay power about the locked card account. I have recently tried several attempts to get them to answer my complaint via email so that I could have done proof of their response however I never got a email back any of the times. If this is not an unlawful act they are pulling them I'm confident it should be put to vote because it would become an unlawful act I'm sure of it. I'm hoping this **** at least provide them to answer my complaint. I've even asked that they just transfer the funds to one of my other prepaid card accounts and was told that transfers weren't possible while the account is still locked. If nothing is done they basically **** have just stolen my money. That is illegal I'm pretty sure anyway pay I checked theft was a criminal .

Desired Settlement: I just want my card unlocked, or for the money deposited to be transferred to one of my other current prepaid card accounts. Our send me a check. I really don't care how they do it. I just want access to my money is all.

Business Response: Initial Business Response /* (1000, 8, 2015/06/08) */ VIA BBB WEBSITE June 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** Dear Ms. *****, On May 18, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ****** with respect to a block on his PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. Federal law requires us to obtain, verify and record information pertaining to a person's identity. This includes first name and last name, verifiable U.S. street address (no P.O. Boxes), date of birth, Social Security Number and other information that **** allow us to reasonably identify a person. Federal law also requires us to make sure that a customer is not on various sanctions lists maintained by the government. These requirements help to prevent the card from being used for illegal purposes. On April 13, 2015, Mr. ****** filed taxes through TaxAct and registered for a PayPower card. At that time, we placed a block on the card, because his name matched a name on a government sanctions list. On April 24, 2015, Mr. ****** contacted customer service to have the block removed. Our representative explained that the issue would be escalated to our Risk Department and someone would be in contact with him. On May 27, 2015, we received the necessary documentation from Mr. ****** and were able to remove the block on his account. Since the Mr. ******'s identity could not be completely verified at the time of registration, the tax refund was never applied to his PayPower account, despite the IRS' statement to Mr. ****** that it was. We suggest that Mr. ****** contact the IRS and make arrangements to receive his money. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/15/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I have contacted you before about this company. Last year in 2014 they are debit card company. I was at a gas station in *********** and at the same time someone in Miami Florida was using my card at the ATM. So after 2 months they finally returned my money and assured me it was n't ging to happen again, then in January 30th 500 dollars was transferred from my account and they said it wasn't their fault because it was a card to card transfer and sent me a new card. I just received a deposit on my card on the 28th of April on my card and whomever in their company in Florida is robbing people because the next day 500 dollars was missing from my card and the next day they took an additional 145 dollars. I contacted the card company and CSR told me that someone had set up an account and is stealing my money and he doesn't know how but he can see how they transferred the money form New Jersey to Florida were they with drew the money from there. But no red flags went up they just let them take the money. That's why I think its someone that works in there company and knows there system.

Desired Settlement: DesiredSettlementID: Refund I want my money back. All of it. The 500 dollars they owe me from January and 645 dollars they owe me that was just taken out of my account 2days ago. I'm thinking about bringing a class action suit against them. Their probably doing this to a lot of people and they should be stopped.

Business Response: Initial Business Response /* (1000, 13, 2015/05/28) */ VIA BBB WEBSITE May 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On May 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to unauthorized transfers made from her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Unfortunately, Ms. ***** appears to have been the victim of identity theft. On February 1, 2015, someone impersonating Ms. ***** (a fraudster) called our customer service and requested to have her email address changed. The fraudster had already stolen Ms. *****' identity, so she was able to provide all the information required to authenticate her over the phone. Since the customer service agent was able to properly authenticate the caller, the agent made the requested change to Ms. *****' account. Once the change was made, the fraudster was able to access Ms. *****' account online. On February 1, 2015, after making the necessary changes to Ms. *****' account, the fraudster transferred $500 to another prepaid account. The fraudster then immediately withdrew the funds from the other prepaid account. The same thing happened again on April 30, 2015. Someone impersonating Ms. ***** called our customer service and requested to have her email address changed. Within minutes, the fraudster had made the necessary changes to the account and transferred $500 to a different prepaid account. The funds were then withdrawn in less than five minutes. On May 1, 2015, a third transfer was made for $145. After each transfer, Ms. ***** contacted us to dispute the unauthorized transactions. She was properly authenticated and her account information including her email address was restored. We are sorry that Ms. ***** was victimized by this fraud scheme that resulted in an account takeover. We have closed Ms. *****' account to prevent further compromise. We are issuing a refund for the full amount of $1,145. She should receive a check within 30 days. We suggest that Ms. ***** file a police report regarding this matter. We **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/15/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: They have taken money to be loaded on a reload debit card and now the system has locked me out. I have been on the phone with them for 2 days (5/13-14/2015). They claim all kinds of issues. most recently they told me an additional two hours is required to complete maintenance on their web site. I believe this to be a scam. A very large one at that. The only 3 Google review were from people who lost all the monies they put into their system ($100 each of them). Reloadit packet number XXXXXXXXXX.

Desired Settlement: I would like my money back. the entire $50 I invested in the reload card they say is only worth $45.

Business Response: Initial Business Response /* (1000, 5, 2015/05/28) */ VIA BBB WEBSITE May 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ********** Dear Ms. *****, On May 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ********** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On May 4, 2015, Mr. ********** purchased a Reloadit Pack. On May 13, 2015, Mr. ********** added the Pack to his Reloadit safe at www.reloadit.com. The safe is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Unfortunately, Mr. ********** had difficulty accessing his safe. Since the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card, Mr. ********** requested a refund for his Reloadit Pack. We apologize for any inconvenience that Mr. ********** has experienced. We have processed a refund for his Pack including the purchase fee. Mr. ********** should receive a check for the full amount within two weeks. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/15/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Failure to contact me regarding disputing a transaction and bad business practices/ borderline scamming. I received a VISA gift card purchased at Safeway for $200.00 dollars on my birthday October 1st 2014, and I was saving the money for a future purchase as I am in college and want to save my money while I live at home. I am very busy but noticed one day that there was a $40.00 dollar transaction on April 20, 2015. I had noticed that the transaction time was when I was sleeping that day at around 9:00 am. I woke up and checked the balance as I liked to do, and found a charge to a merchant name "******* ******** I knew immediately that this was fraudulent and went to file a dispute transaction. I noticed that you must contact your merchant before filing and that you must file a report within 60 days. I contacted the seller via email threatening to call the police of course no answer. I then listed my card as lost/stolen as the instructions tell you on the website to do when there is a fraudulent charge. I sent a dispute form via first class mail that very night. Lo and behold I hear nothing from them and contact them via phone a week and a half later, and all they tell me is we have received your dispute form and if you want email this address. He proceeds to tell me the address and I email them the dispute copy. Another 2 weeks pass *** I call again this time the customer service rep gives me a DIFFERENT email address and tells me the same thing that my dispute form has been received, but then he tells me earlier on that I have to send a dispute form in order to proceed even though he already said they received it! It's a total scam to have you wait 60 days and have them say oh sorry we can't help you, even though I sent the dispute form 4-5 times. No word from customer service that I **** get my money back, no email saying they've received my report, nothing. I feel as though this company may be a little fishy and am shocked that such companies are allowed to run in the United States. If I don't receive any kind of compensation for a FRAUDULENT CHARGE I **** be very mad and do my best to let the people know not to do business with such an unsavory company.

Desired Settlement: I would like the $40.00 that was stolen from me, on my new card that I HAD to ask for because of your dispute policy, and would like for your business to be destroyed if you are not planning to help someone like me who has a legitimate fraudulent charge. I hope that this business is not preying on the weak; but if it is I **** do all in my ability to let people know not to buy ANYTHING from this company.

Business Response: Initial Business Response /* (1000, 10, 2015/05/28) */ ***Document Attached*** VIA BBB WEBSITE May 28, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ****** Dear Ms. *****, On April 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ****** with respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 29, 2014, Mr. ****** contacted customer service to dispute an unauthorized charge on his card.. On April 27, 2015, a chargeback was processed with the merchant. We are awaiting resolution of this chargeback. We sent a letter to Mr. ****** explaining that it may take up to 120 days to resolve this dispute. We expect that the chargeback **** be resolved by the end of June. We **** be in contact with Mr. ****** regarding this matter once the chargeback has been resolved. If it is resolved in his favor, we **** credit the $40 back to his gift card. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: March 26, 2015 I purchased a reload it card from my local Meijer's grocery store and loaded $45 to it. After a week of trying to access my money I was unsuccessful. I called Reloadit and I was issued a confirmation/ticket# ITRXXXXXXX for my refund and I was told it would take 30 days to receive. On May 16, 2015 I was told by customer service that my refund was process and mailed out April 24th and it would take 30 days to receive so I should have received it by now. I called today and I was told by customer service that it was issue date was today and I needed to wait 7-10 business days to receive my refund. I specifically asked it was psychically dropped in the mail and she said yes and that I would receive it with in 7-10 business days. Product_Or_Service: Reloadit Card

Desired Settlement: DesiredSettlementID: Refund I keep getting the run-around from this company and I want my refund.

Business Response: Final Consumer Response /* (2000, 12, 2015/06/12) */ I finally received my refund. I guess the computer god's informed them that I contacted you. I still think their processes should be investigated. Thank you for your attention to this matter. Have a good day.

6/11/2015 Problems with Product/Service | Read Complaint Details
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Complaint: My dispute has gone well past 90 days, with no resolution. My wife purchased a Visa gift card for me on 1/18/15 at a Stater Bros grocery store. She put $300.00 on it. On 2/03/15 I registered the card on their website. To my dismay there was only a $1.26 left on the card. At that moment I called Blackhawk Network to dispute a transaction. The CSR told me I needed to cut up the old Visa card and they would issue me a new one. Also, I was directed to a website to print out a dispute form, fill it out and fax it to Blackhawk Network, which I did that day. The CSR explained to me that it could take up to 90 days to resolve this matter. 90 DAYS!! On 2/23/15 I received a letter from Blackhawk stating that they needed additional information. I obtained everything that they requested. I faxed AND emailed all paper work to them on 2/27/15. I called them in March twice. I called them in April twice. Everytime, I called I got the run around. They told me that it had not been 90 days yet, they were still investigating and that everything **** be alright, just be patient. On May 4th I called AGAIN. At that point we were PAST 90 days. The CSR explained to me that it had not been 90 days yet, because that date changed when I sent in paperwork that they requested on 2/27/15. So, it won't be 90 days till 5/27/15. I also, spoke with his supervisor that day as well. She told me that they had not received ANY paperwork from me at all. I explained that I not only faxed the information that you requested I emailed them to. I even have the fax confirmation that you received the fax. And I have the email that I sent on that day as well. She told me to re-send the information again. Which I did, I emailed it twice and faxed everything AGAIN!! She also stated that I should receive a phone call from them with in the next 3 days. I was soooo mad. I have called them every month. NOT ONE TIME did anyone say that they had not received anything from me. I always got the " Everything **** be fine sir." They never called me.....shocking I know however, on May 6th I received a letter from them stating that because I have not provided the information that they have requested my dispute is considered invalid and no further action **** be taken on their behalf. REALLY!! By the way in April one of the CSR's gave me a claim number #XXXXXXX.

Desired Settlement: The settlement that I am seeking is a refund of $298.74 to be issued to the new card they gave me or in a check.

Business Response: Initial Business Response /* (1000, 8, 2015/06/09) */ VIA BBB WEBSITE June 9, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********* Dear Ms. *****, On May 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ********* with respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for these cards on behalf of the issuer, MetaBank. On February 3, 2015, Mr. ********* contacted customer service. He stated that his wife had purchased a $300 gift card on January 18, 2015. When Mr. ********* tried to use the card, he discovered that there was only $1.26 left on the card. A $298.74 purchase from Walmart had been made on January 19, 2015. We asked Mr. ********* to provide a completed dispute form, a copy of the front and back of the card, the activation slip and a bank statement showing the purchase. Mr. ********* provided the form, the copies of the card, and the activation slip, but failed to provide a copy of the bank statement. Nevertheless, as a courtesy, we credited Mr. *********'s Visa Gift card with the disputed amount of $298.74 on June 5, 2015. Mr. ********* may now use his card to spend the available balance. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/06/10) */ (The consumer indicated he/she ACCEPTED the response from the business.)

6/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: filed taxes through tax act they sent it to paypower have yet to receive my tax refund from paypower keep getting excuse after excuse of why not Feb 9th is the date it started payment amount 812 , payment was a tax refund failed to receive anything

Desired Settlement: the tax refund of mine which is in the amount of 812 dollars

Business Response: Initial Business Response /* (1000, 5, 2015/06/08) */ VIA BBB WEBSITE June 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On May 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On February 1, 2015, Mr. ******* filed his taxes through TaxACT and registered for a PayPower card. We sent his card via standard delivery that same day. It normally takes 7-10 business days for the card to be delivered. Ms. Williams did not receive the card we sent, so we sent a replacement. On March 19, 2015, Mr. ******* requested to cancel his card and have a refund issued to him for the balance. It generally takes 30 business days to receive a refund check. On April 24, 2015, we issued a refund check to Mr. *******. Unfortunately, that check was returned to us as undeliverable. We confirmed the address and reissued the check on May 29, 2015. Mr. ******* should receive the check within a week. We apologize for any inconvenience. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2015/06/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) They sent me two checks not sure what to do with the second one but I cashed the first one

6/10/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I cancelled my T-Mobile Debit card on March 9. Blackhawk Networks said I would receive a check for the remaining $478.95, which I haven't received. I had a T-Mobile Debit Card (#XXXX XXXX XXXX XXXX, expiration 10/19) in my name, ***** ****, that was purchased in October 2014. I bought a Reloadit card for $490 on February 21, 2015 and loaded this card to my T-Mobile account. I could not send or withdraw this money at all, therefore I had my son call Blackhawk Network on March 9 to cancel the card and get my money back. He was told that I would receive a check for $478.95 30 business days later. He was given the case # INCXXXXXXX. On April 23, my son called Blackhawk Network to check on the refund as 30 business days had passed. He was asked to have me call back to confirm my identity which I subsequently did on April 29. I talked to an operator named *** that said my check would arrive by UPS that week. I called again on 5/10/2015 and as told by Celine that my case #INCXXXXXXX was no longer in their system. I called again on 5/11/2015 and talked to ***** who said my case was assigned to the second level department. He said records indicated that I received a call, but never returned the call. Said to call back in an hour as the secondlevel department line was busy. I called back at 7PM on 5/11/2015 and was connected to ** from Customer Service, who tried to connect me to the second level department. He noted that the case was assigned to a ***** ********** and I gave him my cell and home phone. Subsequently at 8:20PM on 5/11/2015, *******, who was a Management Team Supervisor, called and indicated she would handle the case, with a new ticket # INCXXXXXXX. ******* subsequently called me back on either 5/12 or 5/13 at 4:30PM on my cell phone asking multiple questions to verify my identify such as the age of my children, etc. She said I passed *** authenticity and identify test and that Accounting would contact me with some additional information before the check is released. On 5/14/2015, ****** from Customer Service said that he hadn't heard from the Accounting Department and said it would take another 30 days for the check to arrive and escalated my ticket to the proper department. He noted that Accounting **** call back, and then the refund **** be approved. On 5/16/2015, I spoke with ******* again saying she received an email from Accounting asking me to prove that I live at my current residence by providing a copy of my driver's license, the front and back of the T-Mobile debit card, and the receipt for the card. These items were emailed to Blackhawk Network at ************@bhnetwork.com . On 5/22/15, I again contacted customer service and spoke to ***** to see whether my information was received and my refund processed. ***** noted that no such information was received and said my case ticket was closed as I didn't respond within 72 hours. He gave me a new case #INCXXXXXXX. I subsequently emailed my materials again to them. On 5/23/15, I was once again told by ***** that my documents were not received and my case was closed as I didn't respond in 72 hours. ***** gave me a new case #INCXXXXXXX and I again emailed the same documents. On 5/25/15, I again contacted Customer Service and spoke to *****. He said the case was closed. He wasn't able to give me a definitive reason for the closure. He did say that when refunds are approved, the case is usually closed. He gave me a new ticket #INCXXXXXXX and said I would receive a call in 3-4 business days to confirm the status of the refund. As of today, 5/27/18, I have not been contacted. I would like to be rightfully refunded my $478.95 via check to my home address. I have wasted numerous hours and emails following up on this. They owe me $478.95 and are delaying payment despite multiple attempts by me to recover these funds by meeting all requirements and requests put forth by Blackhawk Network. It has now been nearly three months since I closed this account. It would be in the best interests of both parties to settle this so I and they no longer need to waste time chasing this.

Desired Settlement: I would like to be rightfully refunded my $478.95 via check to my home address. I have wasted numerous hours and emails following up on this. They owe me $478.95 and are delaying payment despite multiple attempts by me to recover these funds by meeting all requirements and requests put forth by Blackhawk Network. It has now been nearly three months since I closed this account. It would be in the best interests of both parties to settle this so I and they no longer need to waste time chasing this.

Business Response: Initial Business Response /* (4000, 11, 2015/06/09) */ ***Document Attached*** VIA BBB WEBSITE June 9, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** Dear Ms. *****, On June 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** **** with respect to her T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. On January 16, 2015, our system blocked Ms. ****'s card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On March 9, 2015, Ms. **** contacted customer service and requested to cancel her account. In order to provide a refund for the remaining balance, we still needed to verify Ms. ****'s identity. Finally on May 12, 2015, we were able to speak with Ms. **** and complete the first part of the verification process. We also requested documentation to further verify Ms. ****. We received that documentation on May 26, 2015. It normally takes 20-30 business days to receive a refund. On June 4, 2015, we issued Ms. ****'s check for the remaining balance on her account. She should receive the check for $478 within 7-10 days. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 13, 2015/06/10) */ 6-9-15 Sent via email: I received the refund on Monday, 6/9/15. Thanks for your help. ***** **** Sent from my iPhone

6/9/2015 Billing/Collection Issues
6/8/2015 Problems with Product/Service
6/8/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: entered my reloadit money pak online.it was accepted.never got it on my debit card. on 4/29 i entered a money pak # on reloadit.com.for 300.00 dollars it was accepted but was told to wait 180min the website was having problems.it was never placed on my debit card.i called them 3hrs. later and was informed that i put it on wrong card number.i was given an incident id#incXXXXXXX and that i would be called back in 3-5 busness days.i never got the call so i called them and was put on hold.i waited as long as i could but had to go to work.when i called back they said it had been resolved.it was put on a card number ending **** my card number ends with ***** there is no way i put 300 dollars on a card ending with ****

Desired Settlement: a replacement pak or at lest a refund

Business Response: Initial Business Response /* (1000, 5, 2015/05/18) */ VIA BBB WEBSITE May 18, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On May 12, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On April 24, 2015, Mr. ****** purchased a Reloadit Pack and associated $300 with the Pack. On April 28, 2015 he states that he attempted to transfer the money on his Pack to a prepaid card via the internet and was told that her money had been successfully transferred but that he would need to wait three hours before the money would show up in his prepaid card account. Later that day, he called customer service because the funds had not been applied to his card. Unfortunately, Mr. ****** appears to have been the victim of a cloned site. He certainly did not go to www.reloadit.com; instead, he went to a site that looked like www.reloadit.com but was not (we have discovered several such sites and are in the process of contacting those sites' hosts to request that the sites be taken down; nevertheless, they keep popping up). We are positive this is the case, because the actual Reloadit site never tells the customer to wait three hours (or any amount of time) before their funds **** show up in their prepaid account. We know that a number of cloned sites use a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack. When Mr. ****** entered his Pack number on the cloned site, he gave the fraudsters the information they needed to transfer the money on his Pack to a prepaid card they controlled. By the time Mr. ****** called customer service, the fraudsters had done just that. Unfortunately, we cannot provide a refund to Mr. ****** because he gave the Pack number to a criminal. We suggest that he file a police report regarding this matter. If Mr. ****** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/8/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: A hold was put on my card after I made a deposit. I am trying to get assistance to have the hold removed so I can have access to my account. On 04/21/2015 I initiated a direct deposit from **** Gaming Corp to my Paypower account in the amount of $12,490. It was received and credited to my account on 04/24/2015. When trying to use my card on 04/24/2015 it was declined. I called customer service and was told there was a hold put on the card. The service rep created an incidence ticket and I was told the hold would be lifted after 1-2 business days. I called back 04/27/2015 and spoke to a service manager who told me I was misinformed and it would take 3-5 business days to lift the hold. He said this had been transferred to a Level 2 department for review and I would need to talk with the person charged to handle my incidence ticket. I ask to be transferred and was told they have no way to contact that department. On 04/29/2015 I was contacted by a Level 2 service rep named ****. She requested me to send a copies of my drivers license, Social Security card, Paypower card, and direct deposit transaction information. I sent the information to the email address that I was given. I called on 04/30/2015 and the service rep told me the documents I sent had been received, but the hold was not taken off the account.

Desired Settlement: I need the hold taken off my account immediately. I have numerous past due bills and a family emergency that required me to have access to the money a week ago when it was first deposited to my account on 04/24/2015. It is now a week later and I am literally out of money now as all my funds are tied up from the hold that is preventing me access to MY OWN MONEY!

Business Response: Initial Business Response /* (1000, 5, 2015/05/18) */ VIA BBB WEBSITE May 18, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *****, On April 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to a block on his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for the negative experience Mr. ****** had, but his inconvenience resulted from our attempt to protect him and his account. On April 24, 2015, Mr. ****** had an unusually large direct deposit posted to his account. This caused our system to block his card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. That same day, Mr. ****** contacted customer service to check on the status of his account. We explained to him that there was a block on his account. The agent informed him that the issue would be escalated to our Risk Department and someone would be in contact with him. On May 1, 2015, our Risk department received the necessary documentation and removed the block on Mr. ******'s account. As a courtesy, we reversed fees on Mr. ******'s account for a total credit of $20.75 Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/6/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: 151% Scam Company. Was told funds would be released in 30min now 2 days and a list of personal information. Requested Lic, SSN, All Docs. Sent. I returned a laptop to Lenovo because the lcd quality was poor. I called up TMobile blackhawk services to as if I could put their card on file to have the return processed on it. They told me yes, and also sent me a new card. Once the funds hit the account and showed up, the excuses started. Not only am I an enterprise software developer, I also own a merchant services company. This is the scam: 1. Money is being returned and pending: 1-10 days. Make up excuses why funds cannot be release. Processing time. 3-7 days 2. I had to call them on the *** and finally they relased the funds. Told to go to ATM in 30 min and funds would be released. That was 3 days ago. 3. 2 days ago at ATM: told that I was misinformed and required to send invoice, photo of license, credit card and RMA information. 4. The rep would not give his ID. Basically asked to give complete personal identification. Cannot and **** not give id or country where this information is being sent. 5. Case created and assigned only to "******"? He requested information, but now not enough. Wants documentaion with actual creadit card information and personal information on receipt. The packing invoice, my photo license, and card photo, and email correspondence with approval RMA not enough. Have to call Lenovo and have to disclose the actual payer identification. 6. Called and only person assigned to case can work on it. Only there during nightshift. Fine but when I contacted them they did not recieve docs sent thru email. Then they did, then they did not. Now information was recieved buy not good enough. ****** requesting actual recipts with card numbers, and payment information. Was already on Invoice send minus amount on packing invoice. Remember: Lenovo approved and returned the money to card. Not bh services / T Mobile Prepaid Card Services Money. 7. Phishing. Automated system does not work correctly. Asks personal information but never works and keeps asking you to confirm information until the customer service rep is contacted. THIS IS A PHISHING SCAM. It one of the easiest tricks to get someone to enter personal identification info. 8. So now that ****** threaten to keep my money refunded by Lenovo for 30 days unless I submitted the invoice with personal payment information within 24hrs. Now asked to wait 5-7 days for processing just told that I would eventually get a call back? Really? Nothing specific, just wait? 9. Called 10x but given the run around. Did not receive docs? Did not have case number? "******" not in but cannot have anyone else work on it? Just wait for a call? Got docs, but now another 5-7 days to review? Excuses. T Mobile and Black Hawk Services Inc running a REAL SCAM. This is classic "boiler room" practices. I called over 20+ times to test/check theory and info and its a classic setup. 9. Now waiting for ****** to call me back. This is now 6 days in total and the amount/level of personal infornmation is making me feel very uncomfortable. ESPECIALLY SINCE ITS PEOPLE FROM A FORGEIGN COUNTRY, AND ALSO "******" finally said he lives in ****** ***** is where Con Artists, and scam companies set up shop. Why? Because the laws, and extradition laws are set up to protect Cons, Scams, and many other companies that conduct unusual business practices. 10. Now that I submitted all information, not usually obtainable? I **** keep you posted. DO NOT USE THIS COMPANY, TMOBILE, OR ASSURIANT SOLUTIONS. TMOBILE and its affiliates are running a 100% SCAM.

Desired Settlement: I need the money released that was put on my card in the amount 1031.29. I am done with the excuses and don't have any more personal information to give. I HAVE GIVEN YOU MORE INFORMATION than my MOTHER has. WHAT NOW?

Business Response: Initial Business Response /* (1000, 15, 2015/05/15) */ ***Document Attached*** VIA BBB WEBSITE May 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** **** Dear Ms. *****, On April 17, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** **** with respect to a block on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. Mr. **** complained about his failure to receive credit for a refund he tried to post to his card. As set forth below, we are still investigating whether Mr. **** is entitled to this refund or whether his claim is fraudulent. If we determine that his claim is not fraudulent, we **** send him a check for the amount of the refund. Mr. **** states that he purchased a computer from Lenovo that he later returned. Although 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 balance. He 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 purchase. We have no record of this conversation. Although this sort of refund is theoretically possible, it is not a good practice (and most merchants **** not do it) because it **** generally be flagged as suspected fraud. On April 6, 2015, a credit for $1,031.29 from Lenovo posted to the account. That same day, our fraud detection system flagged this as likely fraud and blocked the account. On April 8, 2015, Mr. **** contacted us to unblock his card. He was asked to send in documentation to verify his identity so that this matter could be resolved. We never received the documentation. The next day, on April 9, 2015, Mr. **** called customer service and told us that he would not send in the documentation and wanted a refund instead. Since 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 account. However, we are in contact with Lenovo to determine (i) if this refund was legitimate and (ii) if so, whether Lenovo has provided Mr. **** with a refund through other means. If the refund was legitimate and Mr. **** has not received a refund from Lenovo, we **** mail him a check for $1,039.29. We believe we should have our investigation completed very soon. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 17, 2015/05/18) */ (The consumer indicated he/she DID NOT accept the response from the business.) That is a complete and 100% lie. This company also handles PAYPAL and I think everyone who has dealt with them knows that they **** FIND EVERY EXCUSE TO HOLD YOU MONEY TO MAKE INTEREST ON THE FUNDS. 1. I was told the funds would be released and to go down to my bank and withdrawl. I tried with them on the phone and no luck. Thats where the fun began. I was then asked to send them A photo copy of MY LICENSE , A COPY OF THE INVOICE, and A PHOTO OF THE CARD. I did immediately that night. I had also asked that they send me a formal email requesting the documents. THEY WOULD NOT UNDER ANY CIRCUMSTANCES SEND ME AN EMAIL. They don't want any type of paper trail. 2. The next day I get a call from "******" from the risk department. He 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 information. Why? I don't know because I sent them an actual shipping invoice. Ok, so I had to ask the person(whom I do not know personally, if it was ok to send them this) Fine. Now I had to call Lenovo back and get them to send me the documentation. DONE. Now I forward all of this information to "******" from Risk Management. Now I felt ok to send this because he told me he was in ****** Not true, I found out he was located in *** ********** ***** ******** Now I get ****** off at him for lying to me and having me send all of this personal information to a foreign country. He 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 on. THEY TOLD ME I COULD DO IT. I OWN A MERCHANT SERVICES COMPANY AND WOULD NOT HAVE WASTED THE TIME WITH THEIR BS. I had to call back over 30 times. I heard that the funds were gone. PERIOD. "For recovery?" WTF? Then given 20 different case numbers, then, they had on card but would not give back. JUST MAKING STUFF UP AS THEY WENT ALONG. Now 60 days later they are telling me that it was approved for refund and would take another 20 days. That was on the 11th. Oh, to add. Lenovo called them on 3 way and they ****** just told him to bad! THIS COMPANY IS A CROCK! Not one thing they have said was true. Just call them and find out. Ask them to send you an email in any type of litigation. This money had to be used to buy a new laptop for work. Not to make them interest and hold it for 60 days. WHAT A NIGHTMARE. DO NOT GIVE THIS COMPANY ANY MONEY!!!!

6/6/2015 Problems with Product/Service
6/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I PURCHASED 2 GIFT CARDS- MAILED for brothers 60 birthday($100) and ($500).He NEVER RECEIVED them.No one **** replace the $ ie: r**oad new cards!!!!! on XX-XX-XX I purchased a$500 gift card XXXXXXXXXXXXXXXXXXX also purchased a$100 gift cardXXXXXXXXXXXXXXXXXXX both at vons/pavilions -*************************************** road /supermarket. I used my chase credit card to make the gift purchase then mailed to ******* for my brothers 60 birthday.he never received. I disclosed all of the above with matching paper trail. I called XXX-XXX-XXXX on 1-8-15 and spoke with ben in fraud-stolen-lost card dept.He advised both cards were depleted of money in ca. He sent me card holder dispute form which i fax'd back on 1-8-15 and subsequently was advised by ***** on X-XX-XX they received all documentation should take 45 to 60 days to resolve. They sent me 2 new cards and explained they would load them with $ when resolved.I have spoken to ***** on 2/19/15 she advised could take up to 90 days. I questioned that the fraud dept knows they were used fraudulently. I was told they were trying to "get the money back" I questioned that all card companies are insured for such events why must I wait. I have called the same number XXX-XXX-XXXX many times and been connected to ** ******** and explained again and again they need to "recover" the money from investigation to see what they pay me?!!!!! Wesley told me this on 4/9/15. ****** on 4/22/15 then I spent more time on hold as i always have and spoke to supervisor ***** I advised this is now past 90 days this is unjust and a run around from what I have read about this company and BBB complaints. She assured me after reading my file that she would resolve by end of the day and call me. I never received a call. How can a public company with shareholders to answer to be able to continue this type of deceptive business practices. I demand my money back and please put them on notice and I appreciate you h**ping on my behalf.

Desired Settlement: $600 was what I paid for the cards I **** accept no less prefer a check sent to me or reload the cards they have sent to me in the same amount.

Business Response: Initial Business Response /* (1000, 5, 2015/05/18) */ VIA BBB WEBSITE May 18, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *****, On May 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******** regarding two Visa Gift cards that he claims were lost in the mail. Blackhawk Network is the program manager for the card on behalf of the issuer, MetaBank. On December 21, 2014, Mr. ******** purchased two Visa Gift cards (one $100 card and one $500 card) from a Von's supermarket in Thousand Oaks, California. Mr. ******** told our customer service department that he mailed both gift cards to his brother. He claimed that the cards were lost and the recipient never received them. As stated in the Cardholder agreement, Visa Gift cards should be treated like cash. By electing to send cards through the USPS with no form of insurance, Mr. ******** took the risk that the cards would be lost in the mail. We cannot provide a refund for misdelivery of mail. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) When I called their fraud or lost card department they advised me they could see cards were already used in a fraudulent manner in the Los Angeles area . Everyone of my personal credit cards has an insurance policy that states clients are not responsible for theft or fraud . I note on Blackhawks card holder agreement it states on point "#10 .....your liability for unauthorized transactions that take place on the visa system is zero dollars. You **** be required to provide your name , the card number , original val ue, and transaction history. We may require you to provide a written statement regarding claims of unauthorized transactions. " I **** agree to allow Blackhawk to withold and keep $50.00 dollars total from The $600 that is owed as a good faith gesture however if they do not accept I am prepared to advise the attorney generals office , the press, and prosecute within the full extent of the law .

6/5/2015 Problems with Product/Service
6/4/2015 Billing/Collection Issues
6/4/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: ReloadIT wallet locked with $1610. All documentation submitted, but no response. ITR# XXXXXXX 02/19/15 I purchased 3 separate ReloadIT cards from Albertsons, for a total of $1310. I added these cards to my ReloadIT safe at reloadit.com. 02/20/15 I purchased a 1 Reloadit from Randalls for $300. I added the card to my ReloadIT safe at reloadit.com 02/20/15 Later on in the day my safe was blocked. I called customer support at XXX-XXX-XXXX, and spoke to *****, and was questioned about my purchases and asked to provide proof. I sent ***** a fax with the proof of purchase (Receipt) as well ask the front and back of the ReloadIT cards with pin scratched off. 03/10/15 ***** called me and asked me to email scanned copies of the receipts, reloadit cards, a utility ****, and the front and back of my state issued identification card or drivers license. I emailed ***** all of the required information. ***** assured me that ITR# XXXXXXX was submitted and I would receive a refund of $1610 or they would unlock my safe. 04/21/15 I have not had any communication from reloadit regarding the status of my safe or my funds. Its been over 2 months at this point that I have been out $1610.00.

Desired Settlement: I am seeking a refund of $1610, the amount of ReloadIT funds that are locked in my ReloadIT safe.

Business Response: Initial Business Response /* (1000, 8, 2015/05/18) */ VIA BBB WEBSITE May 18, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *****, On April 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to a block on four Reloadit Packs he claims he purchased and loaded to his Reloadit Safe. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. Mr. ******** lives in the ************ area. On February 19, 2015, three of the Reloadit Packs in question were purchased in *** ****** NV. Mr. ******** loaded these Reloadit Packs to his Reloadit Safe. Later that day, an individual who lives in**** ***** called to report that he had been a victim of a scam. The victim claimed that he purchased the Packs and gave the code numbers to a fraudster, who had told him that he needed to do so in order to claim a large lottery prize he had won. The victim sent the Packs and the purchase receipt to us, and we refunded that portion we were able to stop the fraudster from using. We also blocked Mr. ********'s Reloadit Safe, as one or more Packs in it were associated with fraud. The next day (February 20, 2015), the fourth Reloadit Pack was purchased in ********** *** Mr. ******** loaded this Pack to his Safe as well. He cannot use it, because his Safe is blocked. We have asked Mr. ******** repeatedly to send in proof of purchase for these Packs, copies of the Packs, proof of his identification, and proof of residence. So far, we have not received these documents. We doubt we **** ever receive proof of purchase, because we do not believe Mr. ******** purchased these Packs. Accordingly, we decline to provide any sort of refund to Mr. ********. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

6/3/2015 Problems with Product/Service
6/2/2015 Problems with Product/Service
6/2/2015 Problems with Product/Service
6/1/2015 Problems with Product/Service
6/1/2015 Problems with Product/Service
6/1/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: PayPower not upholding account terms.Allowed more fraud after acct close 2/5/15.Not doing anything to resolve my dispute and still owes me $1,733.09. 2/4/15-Tried to check my account balance with PayPower/Metabank/The Bancorp Bank. Couldn't log in for wrong password ******* so completed their forgot-password ***** Never got the reset so called. 2/5/15-Talked with a person who said my email was ******* (not my email address).2/5/15-Log on and see, after my deposit, two fraudulent card-to-card transfers for $500 each had occurred. I have never done any card-to-card transfers with PayPower. Called to cancel my account and dispute transactions. **** gave me reference#ITRXXXXXXX and told me I would get call in 1-2 business days. He also said was weird as not supposed be able to do that transaction over the amount of $100. 2/10/15-Hadn't heard anything from PayPower so I called, at which point **** couldn't get a hold of anyone in fraud and told me I should get a call in another 1-2 business days. 2/13/15-Did not hear anything so called and talked with ***** who said she escalated case after not being able to get a hold of person assigned to my case. I asked who should talk with if I call back. Was told if no one contacted me and fraud department was still unavailable then I could ask talk with call center supervisor. 2/16/15-I called,told Ceasar would like him to try again after not being able to get in touch with the fraud person. **** came on the phone, told me since it was someone going into my account there was nothing they could do. When I persisted he said there wasn't anything, I asked who else talk to, he said fill out police report. I asked for remaining balance to be sent to me, he said they could put it on another card, I said NO I closed my account and want a check, he told me I could fax some ID docs. I faxed those and expected to see my balance in a check in the 20 days as **** said. 2/16/15-Completed a police report and received case number so went onto PayPower/MetaBank website and completed contact form with my police case number. 2/17/15-Received a confirmation email from PayPower that my ref# had been closed. ****** opened a new#ITRXXXXXX and escalated to second level and to allow 3-5 business days for contact…no mention of my faxed docs. 3/3/15-Asked for an update by completing PayPower online contact form and received no response. 3/13/15-Completed supplemental police report to provide update and give my new PayPower case number. Still no sign of my remaining balance of $733 that was supposed to be mailed within 20 days as of 2/16/15 so I called PayPower again.Once on the phone Hector told me no remaining balance check had been mailed,my fax was never received. He gave new case#ITRXXXXXXX. Account had two ADDITIONAL card-to-card phone transfers($98.58and84.50) AFTER I closed it 2/5/15. Remaining balance now $200 less than it was when I asked for my refund 2/16/15. Faxed my documents againto the number given by Hectorto initiate the refund.Hector said the approximate $200 was added to the original $1,000 fraud case. I took picture of my fax confirmation from my work fax machine. 3/18/15-Completed another PayPower online contact form asking for update and asking for confirmation they received my faxed documents.Filed complaint with Consumer Protection Financial Bureau. 3/26/15-Consumer Protection agency emailed regarding their review and that they forwarded case to Office of the Comptroller of the Currency. 3/31/15-Received letter from the Office of the Comptroller of the Currency asking for the bank name and issuer name. 4/1/15-I called OCC and provided them with the name “Metabank” for both the bank and the issuer name. 4/1/15-PayPower left me voicemail to call them. I called back and spoke with Neely who said they needed to confirm the address to send my check. I said I expected check to be $1,733. ADDITIONAL DETAILS: Case is being handled by another organization: Office of the Comptroller of the Currency

Desired Settlement: A minimum of $1,733.09 which was the balance on my card before fraud occurred.

Business Response: Initial Business Response /* (1000, 8, 2015/05/04) */ VIA BBB WEBSITE May 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On April 20, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to unauthorized transfers made from her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Unfortunately, Ms. ******* appears to have been the victim of identity theft. On April 4, 2015, someone impersonating Ms. ******* (a fraudster) called our customer service and requested to have her email address and username changed in order to access her online account. The fraudster had already stolen Ms. *******'s identity, so she was able to provide all the information required to authenticate her over the phone. Since the customer service agent was able to properly authenticate the caller, the agent made the requested changes to Ms. *******'s account. Once the changes were made, the fraudster was able to access Ms. *******'s account online. The fraudster then made a number of unauthorized transactions. Ms. ******* correctly states that she had $1,733.09 in her account before the fraudster gained access. Before we closed the account, three recurring payments scheduled in advance by Ms. ******* were made; these payments totaled $185.18. Since these payments were authorized by Ms. *******, we have deducted them from the $1,733.09, leaving $1547.91. We have credited one $5.95 monthly fee to Ms. *******'s account, for a total refund of $1553.86. She should receive a check within 30 days. Because Ms. ******* was the victim of identity theft, we urge her to file a police report and place fraud alerts on her file with the three major consumer reporting agencies. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/05/05) */ (The consumer indicated he/she DID NOT accept the response from the business.) I appreciate the response. I **** wait until I receive the $1553.86 check in my mail before I **** agree. To be accurate I closed my account due to fraud on 2/5/15 not 4/20/15. It has not reached the above specified 30 days so until I actually have my check I **** leave my BBB case open. Thank You. Final Business Response /* (4000, 12, 2015/05/18) */ VIA BBB WEBSITE May 18, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Rebuttal Dear Ms. *****, On May 5, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ****** ******* with respect to our response to her original complaint. The refund check was issued on May 14, 2015. Ms. ******* should receive the check by the end of this week. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/29/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Company never sent prepaid card. Now refuses to send my money back to irs. Its my money i need it now not when you say. Its been 2 months. Send my I signed up with paypower prepaid card on January 30,2015 and was to recieve my card within 7-10 business days. I waited patiently for the card because i knew the snow storm in new york city could affect the post man. However on feb 17 i checked the irs website And my deposit was set for dd on February 19,2015. I called the company paypower and they told me that if i wanted to receive the card with 24hrs i would have to pay a $25.00 expidited fee. Which i agreed. Next day i didnt recieve anything or the following day.now im getting scared because the company has not sent me the card and is now in possession of my hard earned money. Everytime i speak to any member of the paypower employess is somewhere overseas. I JUST NEED MY MONEY BACK. I CLOSED THE ACCOUNT BECAUSE I NEVER RECEIVED MY CARD NOW YOUR COMPANY REFUSES TO GIVE ME MY MONEY. UNETHICAL PRATICES. STEALING MONEY AND GIVING FALSE HOPE TO PEOPLE WHO DEPEND ON THEIR CASH IS UNRESONABLE AND UNEXAPLAINABLE. I CONTACTED THE IRS TODAY APRIL 20,2015 THEY HAVE NOT RECEIVED ANY FUNDS. IM TIRED OF ARGUING WITH THIS COMPANY,WHO APPREANTLY CARE NOTHING ABOUT ME OR WHAT IM GOING THROUGH.

Desired Settlement: I want the money sent back to the irs or a check mailed to me. I need my money ive waited over 2 months

Business Response: Initial Business Response /* (1000, 5, 2015/04/29) */ VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** Dear Ms. *****, On April 22, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** **** with respect to a PayPower Visa Prepaid Card to which her tax refund was deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On March 11, 2015, Ms. ****'s taxes were filed through TaxACT and a PayPower Card was registered in her name. A tax refund posted to Ms. ****'s account on February 17, 2015. On February 23, 2015, Ms. **** contacted us and requested that this account be cancelled since she had not requested the card. This appears to be a case of identity theft. As a result, this account has been closed and the funds from the tax refund have been sent back to the IRS. We suggest that Ms. **** contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/05/01) */ (The consumer indicated he/she DID NOT accept the response from the business.) The dates are all wrong. My name is not mrs.*****! I filed my taxes on jan 30 and my refund was posted on feb XX XXXX. After march 11 i called to close my account because i have not received the card. I gave your company more than 3 months to return my money. As of today may X XXXX i have still not received my refund. Release my funds now. I dont care about your company growing interest on my money. Why dont you invest your money into the company and not clients funds. i need my money now Final Business Response /* (4000, 14, 2015/05/26) */ VIA BBB WEBSITE May 26, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** **** 2nd Rebuttal Dear Ms. *****, On May 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a second rebuttal from ***** **** with respect to our response to her first rebuttal. As previously stated, the tax refund was mailed back to the IRS on April 30, 2015. We no longer have the funds associated with this tax refund. We suggest that Ms. **** direct any questions or concerns directly to the IRS in regards to this matter. We are unable to provide any additional assistance. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 16, 2015/05/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Lol i just spoke with the IRS today 5/29/15 and the money was just Received by them tuesday 5/26/15. Now i have to wait till the IRS process my return and send it through the mail. Another 4weeks i have to wait. Im thankful that the IRS has my money back. This company PAYPOWER was overseas and NEVER spoke proper english. I still want to let all the consumers know about my experience with this company. Fraudulent company from the beginning. Thanks to you i opened a bank account and **** never use a prepaid service. Your company promoted you **** get your money faster and in fact its taken 5 months. Thank you paypower/blackhawk! BEWARE THIS COMPANY IS A SCAM!

5/28/2015 Problems with Product/Service
5/28/2015 Problems with Product/Service
5/26/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I could not use my money when I uploaded my cash to the card. BlackHawk changed the policy of loading money without notifying me at all. I had to create a online profile and wait at least 4 hours before I had access to my money. I was upset because I did not have access to my money when I wanted it and I told them to cancel the card and send me my money. The rep try to persuade me not to cancel and wait a couple hours "because it could take up to 20 business days". The next day, I changed my mind and called Black Hawk & told them to load the card and I'll spend it and then cancel the card, to get it over with instead of waiting. The rep then tells me because the card was cancelled I had to write Black Hawk Network a letter saying I want to reactivate the card to get my money...Are you kidding me??? So, I say No Thanks...just send me my money. I call in about 15 days to check the status of my refund and the rep tells me it has been approved by accounting and that's where it is at this point. I call on the 20th day because I have not received my refund. The rep tells me that I am wrong about 20 days it is 20-30 days. I say No...that is not what was told to me that's why I took the refund because I was told 20 days. The rep says "it has been approved by accounting and that where it is in the process". I call on the 30th day, today...the day I am writing this complaint, because I still have not received my money. The rep tells me once again "it has been approved by accounting and that is where it is" and then she says "you know the time frame for a refund is 30-45 days". Now I am irate, you tell me I need to write a letter to get my own money, then you tell me it is 20 days for a refund, then the 20 days turns to 30 days and the 30 days turns to 45 days. Now 45 days **** turn into 60 days, I ask to speak with a supervisor or manager and the rep says, with chuckle in her voice, "there is no one I can transfer you to, there is no supervisor or manger"... I am getting the run around. Product_Or_Service: Pre Paid Credit/Debit Card Order_Number: ITRXXXXXXX Account_Number: XXXXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund Send my money next day air.

Business Response: Initial Business Response /* (1000, 8, 2015/05/08) */ VIA BBB WEBSITE May 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******** Dear Ms. *****, On April 22, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 11, 2015, Mr. ******** purchased a Reloadit Pack. In order to apply a Reloadit Pack to a prepaid card, a customer must create an online Reloadit Safe. . The safe is now a requirement for all Reloadit customers in an effort to protect our customers from fraud. Mr. ******** did not want to create the safe, so he requested a refund for his Reloadit Pack. We devalued the Pack and began the refund process. The next day, he called back and wanted to change his mind and use the Pack after all. Unfortunately, once we deactivate a Pack, we cannot load value back to it.. We mailed Mr. ********'s refund check for $180 on April 29, 2015. He should receive it within two weeks of that date. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/26/2015 Problems with Product/Service | Read Complaint Details
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Complaint: This company is a ****. They have stolen $500 from me. And they run me around in "customer service" for months I purchased a Reloadit card for $500. The card "pack number" was compromised by a scam. Reloadit blocked the card and won't refund my $500. I was contacted by someone claiming to be my electricity supply company and that they were disconnecting the service for non payment. It was a Sunday, they said the only way to a avoid a service interruption was to purchase a Reloadit card and give them the card number. After doing so I realized that this was possibly a scam. I contacted Reloadit to report that I was a victim of fraud. The person I spoke with at reload it told me to put a block on the card and they would send me a refund. I have followed up with at least 15 people and 5 different supervisors. And they continue to tell me multiple different stories all that end with me not getting my money back.

Desired Settlement: I want my money back, I should also be compensated for he 100+ hours I have spent on phone

Business Response: Initial Business Response /* (1000, 5, 2015/05/07) */ VIA BBB WEBSITE May 7, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ****** Dear Ms. *****, On May 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ****** with respect to a Reloadit Pack that he purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 7, 2015, Mr. ****** purchased a Reloadit Pack and provided the Pack information to the fraudster. Shortly thereafter, he suspected fraud and contacted customer service. We were able to block the Pack from use before the fraudster could apply the funds. It generally takes between 20-30 business days to receive a refund check. We processed Mr. ******'s refund check on April 24, 2015. He should receive it within two weeks of that date. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/26/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: My debit card has money removed, lied to about it and now my regular deposit is missing It seems my account may or may not have been wrongly deposited extra amount i wouldn't know as it is nearly impossible to understand their non english phone reps in malaysia or whereever they are located. And my SSI check which should have been deposited into my account last wednesday hasn't shown as a deposit, again no explanation that i can understand. So they have put me in the negative in my account and have stolen my SSI deposit. Today my internet and power **** be shut off and in a few more days i **** be evicted if this money is not found and returned to me ASAP! There hasn't been an issue before so i can only assume they have either been hacked or are actively stealing customers deposits nothing else makes sense.

Desired Settlement: I want my money returned plus the $156.98 they claim I am in the negative plus a $500 settlement for the stress, and aggravation as i am a disabled American citizen and suffer from PTSD among other things and the stress is making me physically ill, having to deal with the 10-15 robotic litany of nonsense and then the unbelievably ignorant phone reps who barely speak english and don't understand it at all etc. etc. etc.

Business Response: Initial Business Response /* (1000, 5, 2015/05/08) */ VIA BBB WEBSITE May 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ************ ******* Dear Ms. *****, On April 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ************ ******* with respect to direct deposits made to his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Ms. ******* has her SSI benefit check direct deposited into her account every month. Currently, this deposit is for $733. On March 27, 2015, the March SSI deposit posted to her account. The next day, another $733 deposit erroneously posted to the account. This caused the customer to have an available balance which was $733 greater than it should have been. On March 30, 2015, the error was rectified and SSI reversed one of the deposits. In the meantime, however, Ms. ******* had spent the balance of the account down to $578.35. Thus, when the second $733 deposit was reversed, her account was negative $154.65. On April 28, 2015, the $733 April SSI deposit posted. The negative amount of $154.65 was then offset against this deposit, as permitted by the Cardholder Agreement. Indeed, if we had not offset the negative amount, Ms. ******* would have received $154.65 that she was not entitled to. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/26/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Chose to have my refund on this card and I never received it. I chose to have my refund sent on this paypower card and I never received it. The Irs said my refund should be here if not call who I did my refund with which was tax act. They told me to call paypower corp. I waitied almost 20 minutes just to speak to one person, which she also put me on hold again for 10 minutes. She said the card was sent on the 31st of last month and I should wait 7-10 business days it's the 9th so she said I should receive my card Thursday or Friday of next week. That card is holding $500 and she couldn't give me any information and she kept telling me the same thing over and over again. I was already scared because I've seen so many bad complaints about paypower and people not receiving their card, or not being able to get any money of their card it's frightening to me, and again she tells me the same thing. The only reason I am filing this is because I just want my money I worked to hard to let someone take it and tell me the same thing over and over again. I think this business should be shut down and everyone who is behind this scam should be put to justice. No one has a right to steal ones hard working money. People have kids and families to take care of and their out there scamming people it's just not right to me. I believe this business should be put under investigation and people deserve to get their money back. I shouldn't have to wait this long if the IRS said it should've been here. Apparently the card sent out a week ago and it should be here next week.... No way I don't feel to good about this . Please help

Desired Settlement: i just want my $500 from them, but I do believe people should get their money back that they've earned and that paypower has stolen.

Business Response: Initial Business Response /* (1000, 10, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *****, On April 10, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to a PayPower Visa Prepaid Card to which she opted to have her tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for any inconvenience Ms. ******** experienced as a result of not having her PayPower card to access her tax refund. On March 22, 2015, Ms. ******** filed her taxes through TaxACT and registered for a PayPower card. We sent her card via standard delivery that same day. It normally takes 7-10 business days for the card to be delivered. Ms. ******** did not receive the card we sent, so we sent a replacement. On April 16, 2015, Ms. ******** received the replacement card and has since used her card without any further issues. Since it took a total of 19 business days for Ms. ******** to receive her card, we have reversed fees on Ms. ********' account for a total credit of $32.90. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 12, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) You did return the fees, but that doesn't cover the cost of the money I had to borrow because of your worker saying when they should be there and they weren't .! Which I had to borrow money to pay my notes Final Business Response /* (4000, 14, 2015/05/11) */ VIA BBB WEBSITE May 11, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Rebuttal Dear Ms. *****, On April 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ******* ******** in regards to our response to her original complaint. On March 22, 2015, we sent Ms. ******** a card via the United States Postal Service. Unfortunately, we have no control over the delivery process once it has been shipped. Generally, it does take 7-10 business days for a customer to receive a card via this method once it has shipped. We apologize that Ms. ******** did not receive her card in that timeframe. We did credit her account with $32.90 as a sincere token of our apologies for any inconvenience. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 16, 2015/05/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this! I had to borrow money because I was late and my insurance is due and I'll be late again because I had to pay back the money I borrowed because of this company ! Yall shouldn't have told me when it **** get here because I was checking for it and it was never there! It's when I told my insurance company I **** pay them and all because of this scam company I was late! Please be expecting a court date

5/25/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Black Hawk Network is not honoring it's promise resolution to issues on my account. I had my card comprised and used with out my knowledge. Name: ******** ****** Card Number: ************************* Visa) Email: **************@gmail.com Phone Number: XXX-XXX-XXXX First of all I want to say that I have spoken to four to give different reps about my issues and all received different answers. On April 2, I sent in a dispute for unauthorized transactions on my account. Black Hawk sent me a letter stating that they received my dispute on the 3rd and they are investigating the charges. This is the copy of that letter below****** Dear ********, This letter is to confirm that we have received written confirmation of your claim dated 04/02/2015 regarding the above referenced transaction(s). We **** determine, within 10 business days 20 FORNEW of your initial claim whether an error occurred and **** correct any error promptly. If we need more time to complete our investigation, we **** issue a provisional credit so that you have use of the funds during our investigation. It may take up to 45 days to investigate the complaint or question. For errors involving new accounts, point of sale, or foreign initiated transactions, we may take up to 90 days to investigate your complaint or question. The results of our investigation **** be communicated to you in writing within 3 business days of our determination. Thank you for your patience as your claim is being investigated. If you have any questions, please contact us at XXX-XXX-XXXX. Sincerely, Cardholder Dispute Services Chargeback Unit Fax: (XXX) XXX-XXXX Email: ************@bhnetwork.com******* Okaybi have been with this card company for about 6 to 8 months, so I could assume that the 10 day investigation would apply to me, as for crediting my account for provisional credit. Now what strange is that the company keep stating that my account is a new account and I must wait 20 days for a provisional credit. How can a large business like this don't recognize their customers time with them. I have had to order two replacement cards because someone did use my card with out my knowledge, and could see why they keep saying its a new account, which is completely false. I have transactions with T-Mobile dating back to 2014. This company dispute department seems to be unorganized and very and don't really know zip about their clients account, which raises more red flag as to should customers trust this company. Well on April 17th I called in the a.m. because it was the 10th day and I was really concerned about my provisional credit. The reps said that there wasn't any updates,so I ask to speak to a supervisor. I was able to speak to a supervisor, who advised me that April 17 is the 10th day and that it is being worked on as we speak and a update about the provisional credit **** be handle by close of business. Okay so I waited to close of business and nothing. No update or nothing, I am completely frustrated and seems to not be able to get my point across. They don't take their clients serious or better yet how should someone trust a business who don't honor their words that was sent to me via letter which is read above. Very poor customer service and the supervisor I spoke to completely lied to me and act like she was working on this matter.

Desired Settlement: I just want an provisional credit put my card as stated by your letter and the four to five reps I spoke to including the supervisor in charge. It has been ten business days, so I expect that you would need more time with the investigation, so honor your letter and provide me provisional credit. I am not a new card account, I just had to order a replacement card.

Business Response: Initial Business Response /* (1000, 9, 2015/05/07) */ VIA BBB WEBSITE May 7, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** ****** Dear Ms. *****, On April 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** ****** with respect to unauthorized transactions on his T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. Mr. ****** disputed nine transactions that he claims he did not make. On April 23, 2015, we applied a provisional credit to Mr. ******' account for all nine transactions. Three of them have been resolved in his favor (so the provisional credit on those transactions is now permanent,), and we have notified him to that effect. We expect to resolve the remaining transactions no later than May 18, 2015, and **** notify Mr. ****** as to the results. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/22/2015 Problems with Product/Service | Read Complaint Details
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Complaint: **** not give me access to my IRS refund, Risk Management Dept refused to let me speak with supervisor and hung up on me. No access to opening deposi on 3/31/15 I purchased Paypower card at Safeway and loaded $20, then used the card for the direct deposit of my IRS refund of $1457. which posted to the account on 4/6/15. The account balance was then $1477. then on 4/7/15 a monthly maintenance fee of $5.95 was charged and balance is now $1471.05 as of 4/14/15. I have been unable to access any of the funds so i called and spoke with someone, I believe it was on 4/8/15. During that call I was eventually transfered to the Risk Management Department and was told I would need to answer a few questions becvause they have had problems with IRS refund fraud. I agreed and was asked several questions regarding my identity. After correctly answering my ***, age, sex, phone, address, email, and previous address I was asked to provide the street number to an old address. I told her that i could not remember the address number off the top of my head but I could tell her what city it was in. I was told No i had to provide the building number. I explained that i was at work and that i would need to go home and go through old papers to get the exact address, and that i would call back that evening with the information. I was told "NO i could not call back and that I failed answering the questions and that she was sending my refund back to the irs" I immedietly asked to speak to a manager or a supervisor and again was told "NO"! The woman refused to let me speak to anyone in charge or transfer me to anyone else. I asked for her name and employee number and she said her name was **** and that she would not give me her employee number. This made me angry, I told her that i could provide other previous addresss, i probvided the city of the address in question and was told "No, I failed the questions and my refund is being sent back to IRS" and then was hung up on. That was the rudest service i have ever received! After I was asked to verify my sex because i sound like a female, I explained to the woman that I was a male and that my voice is often confused for a females then which she continued to call me "ma'am". This is completely unnacceptable! I called back today, 4/14/15 because my account still shows a balance of $1471.05 and was told that it **** be sent back to IRS by Friday 4/17/15 and there is noone i can speak to regarding this. I then asked the custome service man about my initial $20 opening load and he said it **** be sent back to IRS. I asked why would you send refund the IRS funds that they did not deposit and he could not answer me and began to yell at me and said it was going back to irs. I cannot believe a company allows their employees to treat their customers this way or that they advertise direct deposit for your tax refund. it wven says on website " "PAYPOWER IS SEPERATE FROM YOUR BANK ACCOUNT SO THERE IS NO CONFUSION OR CONFLICT WITH YOUR FUNDS" meanwhile my car is sitting in a repair shop for the last 4 days because my refund was going to pay for repairs.

Desired Settlement: I want my funds in the account made available right away! i am willing to send them a copy of my drivers license or current paystub for identification, answer other questions or whatever it takes! I cannot wait a week for them to send funds back to irs, then wait however long it takes irs to get me the money!

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Dear Ms. *****, On April 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********* with respect to a block on his PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We are sorry Mr. ********* experienced difficulty, but our actions were designed to protect him from fraud. On March 31, 2015, Mr. ********* purchased a PayPower card at a Safeway store. He filed his taxes and requested that his refund be applied to this card. On April 6, 2015, Mr. *********'s tax refund was deposited to this account. Our fraud detection systems flagged this transaction as suspected fraud, so we placed a block on the card. On April 8, 2015, Mr. ********* contacted customer service to have the block removed. He was transferred to our Risk department to verify his identity. Unfortunately, Mr. ********* was not able to pass *** identity verification questions. Since we were unable to successfully identify Mr. *********, we are sending the funds back to the IRS. Mr. ********* should contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/04/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) Blackhawk is claiming to have sent my refund back to the irs, which the IRS systems have yet to have updated information regarding that. I would like to know where the original $20 I loaded on the card when I purchased it went? My account now shows a balance of $0. I called and asked and was told it **** be sent back to IRS with my refund which I find very hard to beleive. Please explain to my why your company would return additionl funds of mine to the IRS? Final Business Response /* (4000, 9, 2015/05/08) */ VIA BBB WEBSITE May 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Rebuttal Dear Ms. *****, On April 29, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ***** ********* with respect to our response to his original complaint. On March 31, 2015, Mr. ********* purchased a PayPower card at a Safeway store. He loaded $20 on the card at that time. Since this money is not related to the tax refund, we have processed a refund for this amount. Mr.********* should receive a check within 14 business days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/21/2015 Problems with Product/Service
5/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: There was suppose to be a provisional credit on my account from money that was transferred from my account to another without my authorization. On February 20, 2015 and February 21, 2015 money was transferred from my account to two other accounts without my authorization and without me being notified of the transactions. The money was placed on two separate cards of people unknown by my wife and I. There is suppose to be an investigation taking place and no one is available as of today to give us any answers nor has my money been recovered or replaced. I have been promised a provisional credit at 30 days and nothing yet and it has been over 30 days. This is my money for my rent for the month of March and my landlord is on me everyday for or my kids and I **** be out on the street. Every time I call someone tells me someone **** return my call, email me or I **** get a letter and I have not received anything. This is my hard earned money that has been stolen and/or hacked from my account with paypower and they **** not give me any answers except that I have to wait. The total amount is $908 and I need to have my money recovered and/or replaced ASAP as well as names of who stole it so that I can press charges. This is the second time this has happened and the first time they investigated and released my money back in a timely manner. Now I am just getting the runaround and the reps even accused me of lying when they see what has happened. I have talked to several supervisors as well as corporate and no one is contacting me as they say they would. I am in desperate need for my money and they are refusing to do anything. I NEED HELP IN DOING THIS ASAP.

Desired Settlement: ALL I AM ASKING FOR IS THAT THE MONEY THAT WAS STOLEN FROM ME ($908) BE REPLACED.

Business Response: Initial Business Response /* (1000, 10, 2015/05/04) */ ***Document Attached*** VIA BBB WEBSITE May 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On March 30, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to unauthorized transfers made from his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Unfortunately, Mr. ******* appears to have been the victim of identity theft. On February 15, 2015, someone impersonating Mr. ******* (a fraudster) called our customer service and requested to have his email address changed. The fraudster had already stolen Mr. *******'s' identity, so he was able to provide all the information required to authenticate him over the phone. Since the customer service agent was able to properly authenticate the caller, the agent made the requested change to Mr. *******'s account. Once the change was made, the fraudster was able to access Mr. *******'s account online. On February 20, 2015, after making the necessary changes to Mr. *****' account, the fraudster transferred $500 to another prepaid account. On February 21, 2015, another unauthorized transfer was made by the fraudster in the amount of $408. On February 22, 2015, Mr. ******* contacted us to dispute the two unauthorized transactions. Since the money was withdrawn from the accounts to which the funds were transferred on the same day the transfers were made, it was impossible for us to recover the funds. We are sorry that Mr. ******* was victimized by this fraud scheme that resulted in an account takeover. Although we were unable to recover the funds that Mr. ******* lost, we have credited his account in the amount of $908.. We contacted Mr. ******* to inform him that the funds were available. We also reassured him that this would not happen again in the future as our procedures and processes for changing account information have changed this occurrence. We suggest that Mr. ******* file a police report regarding this matter. We **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/19/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased their money card and was unable to use them because they were blocked for an undisclosed reason. On March 9, 2015 I purchased 20 visa debit cards and loaded each with a value of $20.00. When I attempted to activate the cards, I received a message to call cardholder services. Upon all erring them to this problem, I was given a reference number for a trouble ticket. The reference number is ITRXXXXXXX and I was advised someone would call me by March 20, 2015. When I did not receive the call, I again contacted customer care and was advised the issue was escalated to a supervisor and I would have to wait for a call, which to date I still have not received. I called in the following week and the week after that and was told I would have to continue to wait for a call because the unknown issue had still not been resolved. on April 6, 2015 I called again was was told the issue was still not resolved at which point I asked for a refund. I was asked to email the receipts, copy of the cards and my photo I'd, which I did. On April 8, I called to make sure the documents were received and the timeframe that I can receive my refund and I was told by ***** (who refused to give me any identifying information) that because the issue had still not been resolved no action was being taken to process my refund. I tried to call the corporate office at XXX XXX XXXX and go a loop for a secretary voicemail, but never a person or an option to actually leave a voicemail. I would like assistance obtaining my refund.

Desired Settlement: I would like to have my funds of $400 refunded to me. ******* **** ************************* XXXXX XXX-XXX-XXXX ********@gmail.com

Business Response: Initial Business Response /* (4000, 12, 2015/05/07) */ ***Document Attached*** VIA BBB WEBSITE May 7, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* **** Dear Ms. *****, On April 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* **** with respect to a block on 20 T-Mobile Visa Prepaid Cards she had purchased and loaded with $20 each. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. On March 10, 2015, we placed a block was placed on Ms. ****'s cards due to suspected fraud. Ms. **** did provide some documentation; however, she refused to provide information which would enable us to fully validate her and remove the block on the cards. Since five of the cards have been registered under other names, we are unable to process refunds for them. We **** send her a refund for the other 15 cards ($225 for the remaining balances, and a $75 check for a refund of the monthly fees imposed). She should receive the checks within 21 days. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/18/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Unable to use value of gift card. My mother purchased a $50 gift card FEB 2015. In accordance with www.giftcardmall.com's policy, I was able to apply $42.67 to restaurant **** in MAR 2015. I have been unable to use the remaining card balance of $8.33. Most recent attempt was 9 APR 2015 at Wal-mart where the transaction was denied.

Desired Settlement: A method to access the remaining credit on the account, either the actual card value issued on a check or www.giftcardmall.com honor charges against this account.

Business Response: Initial Business Response /* (1000, 5, 2015/04/23) */ VIA BBB WEBSITE April 24, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Rebuttal Dear Ms. *****, On April 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ******* ***** in regards to our response to his original complaint. The funds from Mr. ******* account have been sent via check to the IRS. He **** have to continue checking with them regarding the receipt of these funds. We apologize for any inconvenience. From this point forward, all of Mr. ******* communication regarding this matter should be directed to the IRS. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Business Response /* (1000, 9, 2015/04/30) */ ***Document Attached*** VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *****, On April 14, 2015, Blackhawk Network, Inc. received a complaint from ***** ******** with respect to a Visa Gift Card and the available balance. Ms. ******** did not provide the card number or any other identifying information in her complaint. We cannot research this issue or attempt to resolve her problem unless we know the card number in question. We have sent six emails to the customer requesting additional information. We have not received a response. We are unable to attempt to contact the customer by phone, since a phone number was not provided in the complaint. We are unable to assist the customer without the card number. If she provides us with the card number, then we **** review her transactions and assist her with any balance questions that she may have. Unless we hear from her, we **** consider this matter resolved. Please reach out with any questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I filed a dispute on a transaction. I faxed requested info. I was never told if they received or not. My dispute was not investigated and closed. I filed a dispute for a charge in which I returned an item and was supposed to receive a credit but never received the refund. I received a letter from blackhawknetwork requesting more information and tracking numbers and receipts. I faxed this info to the number on the letter (fax XXX-XXX-XXXX). with the 10 days as requested. After 30 days I didn't hear or receive any notice or confirmation if the info was received. I called the customer service number to see the status and I was told it was still be investigated and to wait the full 45 days. A month later I receive a letter saying they never received the requested information. I called customer service to tell them I did send them the information with the 10 business day from when I received the request. They told me they never received the info. I realized after looking at the original fax number to file a dispute and the fax number on the letter I received requesting more info are different. I do not know if the number to fax info is different or not. It would be on the bank and company's fault if they did not list the number or address to where to fax and send the requested info. I am not sure why I was not told this when I called after 30 days with the 45 days of investigation of the dispute. I was told the dispute is closed and can not be reopened. I feel this is unfair since it wasn't properly looked into. I would to request an appeal to the decision. My account number is XXXXXXXXXXXXXXXX . Transaction in dispute is # XXXXXXXXXXXX Merchant PAYPAL **********

Desired Settlement: I would like my dispute properly investigated.

Business Response: Initial Business Response /* (1000, 8, 2015/04/29) */ VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******** Dear Ms. *****, On April 8, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******** with respect to an unauthorized charge on her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On November 20, 2014, Ms. ******** contacted customer service. She stated that: (i) she made a purchase from PayPal **********; (ii) the merchandise was returned to the merchant and (iii) the merchant refused to refund her for the merchandise. We sent Ms. ******** 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. ********. Since Ms. ******** was the only person registered to the card, the dispute form would have needed to be in her name. That same day, we sent a letter to Ms. ******** requesting additional information including a completed dispute form. We never received any of the requested documentation from Ms. ********. Unfortunately, we are unable to assist a customer with a dispute unless this documentation is received. On April 21, 2015, we called Ms. ******** and left a voicemail requesting that she return our call. We have not heard back from Ms. ********. Visa requires that all transaction disputes be filed within 60 days of the transaction date. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: It has been 7 weeks since I asked for a refund, every time I call, once a week, they tell me it's in the refund dept. Feel like I'm getting scammed. I was scammed on credit cards, proved it was my money on feb 12th. They have me a case number ITR XXXXXXX. Said the proof I sent was sufficient within a week, still no money back. $1895.00

Desired Settlement: Refund $1895.00

Business Response: Initial Business Response /* (1000, 9, 2015/04/29) */ VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ******* Dear Ms. *****, On April 6, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ******* with respect to four PayPower Visa Prepaid Cards that she purchased as a result of a scam. Three cards were loaded with $500; one card was loaded with $395. Blackhawk is the program manager for these cards on behalf of the issue, MetaBank. On February 12, 2015, Ms. ******* contacted customer service to report the scam. One of the cards (for $500) had been totally redeemed by the fraudster. We are unable to process a refund for this card, since we do not have the funds for this card. We mailed Ms. ******* a refund check for $1359.30 on April 20, 2015. She should receive it by the end of the month. She **** receive another check for $35.70 shortly thereafter, for a total refund of $1,395. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: giftcardmall.com has took $25 for a ebay e gift card and now after 4 days they say my order did not go thru but they took the money from my card alre order number XXXXXXX name ****** ******* email *********@****.com not got my card or my money back 4 days and counting

Desired Settlement: i need either my ebay $25 card or a refund on my card asap!

Business Response: Initial Business Response /* (1000, 9, 2015/04/29) */ VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******* Dear Ms. *****, On April 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******* with respect to an order placed on www.giftcardmall.com. This website is operated by Blackhawk. Blackhawk apologizes for any inconvenience Ms. ******* may have experienced. On April 2, 2015, Ms. ******* placed an order on www.giftcardmall.com. When an order is submitted, the customer's credit card is authorized for the amount of the purchase to ensure that funds are available. We do not charge our customers until their order ships. If an order is cancelled prior to be shipped, then the customer **** not be charged. It may take up to seven days for the authorization hold to be removed. On April 6, 2015, Ms. *******'s order was cancelled. We never charged her for the order. By now, the authorization should have been removed from her account and she should have access to these funds. Accordingly, we **** consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/18/2015 Problems with Product/Service
5/13/2015 Problems with Product/Service
5/13/2015 Delivery Issues | Read Complaint Details
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Complaint: Don't following the terms and agreement of contract. Contact blackhawk network on 4/2/15 about MY funds being blocked for no reason. I was told the would fix it in twenty-four hours it's a week later and they still haven't fixed nor contact me about my situation I call every day for them to say they can't help me it's their secondary level problem and they can only tech u them my e-mail. They put a ticket in for me to be contacted that day but still no reply

Desired Settlement: Contact me about my card station and unblock my funds.

Business Response: Initial Business Response /* (1000, 8, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On April 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to a block on her PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ***** had, but her inconvenience resulted from our attempt to protect her and her account. On March 31, 2015, Ms. ***** had an unusually large tax refund posted to her account. This caused our system to block her card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On April 2, 2015, Ms. ***** contacted customer service to check on the status of her account. We explained to her that there was a block on her account. The agent informed her that the issue would be escalated to our Risk Department and someone would be in contact with her. On April 10, 2015, Ms. ***** spoke with a member of our Risk Department. We obtained the necessary information and removed the block on her account. As a courtesy, we reversed one monthly fee on Ms. *****' account ($5.95). Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/13/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I purchased a paypower visa prepaid card 2 months ago and they **** not release the money loaded on my card. About 2 months ago I was the victim of a scam and I purchased an amount of paypower canada cards to pay for something that ended up being fraudulent. I realized my mistake before sending the money via cards. I have since then emptied all the cards and got my money back, except for one prepaid card. They have no released the funds on the card because they claim it is under investigation, but have not disclosed the reasons behind it. I have tried contacting them several times and every time I call they give me a vague time line and cannot answer my questions. All I require is my money on the card and they refuse to release it to me.

Desired Settlement: I am asking for my card to be released and all funds refunded including fees.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ****** Dear Ms. *****, On April 14, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ****** with respect to a block on his Canada PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network (Canada), Ltd., is the program manager for this card, on behalf of the issuer, All Trans Financial Services Credit Union Ltd. We apologize for the negative experience Mr. ****** had, but his inconvenience resulted from our attempt to protect him and his account. On February 20, 2015, a block was placed on Mr. ******'s card due to suspected fraud. No fraud detection system is perfect, and occasionally, cards get blocked when there is no fraud involved. After careful review, our Risk Department unblocked Mr. ******'s account on April 16, 2015. Mr. ****** can now access his money. As a courtesy, we reversed fees on Mr. ******'s account for a total credit of $13.80. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/13/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: On 03/04/15 at local Safeway Store my client went in frantic to customer service desk telling the clerk that the Utility asked for payment with using a Reloadit card that they carry since her check had not gone through and was scheduled for a shut-off. This situation occurred with existing inclement weather. It turns out this Reloadit platform has been used for Fraud many times and to include to many other individuals with many complaining right on Better Business Bureau site. Also, after consulting with other people we are surprised that in spite of more than 100 complaints; Blackhawk Network Inc. still gets an A Plus + rating. After some investigating and calling the back of the Blackhawk Network Inc. card customer service it turns out the funds where taken then placed back and then next day person was trying to get my clients home address. This similar story has been repeated for found right on your BBB site to include the fact that they promise to reimburse the funds then do not deliver and stall. It turns out that Safeway use to own Blackhawk and customer service desk also should know better if they see customers coming in frantic about those front area Cards. On 03/5/15 as her legal representative we were promised to be sent a refund for the funds since we spoke to **** from their customer service area and extensively discussed the situation and we sent a fax with all pertinent information, receipts etc. and to this day we have not received the money back. We want all the funds back and our case ITR158XXXX resolved ASAP. Product_Or_Service: Reloadit Card Order_Number: XXXXXXXXXX Account_Number: Reloadit card

Desired Settlement: DesiredSettlementID: Refund Resolution and refund money giving back to my client ASAP. This delay has been going on more than a month with other similarities reflecting general fraud. Also, Better Business Bureau should consider lowering their A+ rating since there are far too many coincidences and similar victimization towards other victims with their card system.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On April 14, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a Reloadit Pack that he purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 4, 2015, Mr. ***** purchased the Reloadit Pack and provided the Pack information to the fraudster. The next day, Mr. ***** contacted customer service to report the scam. By this time, the fraudster had already attempted to use the funds. Fortunately, the fraudster was unsuccessful, and we were able to block the Pack before he could attempt to use it again. Mr. ***** was asked to send us copies of the Pack and receipt for verification, which he did. We have processed a refund for his Pack. He should receive a check for the full amount of the Pack by the end of next week. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I purchased a Reloadit card. I blocked the funds Fraud was happening against me. Company told me they would contact me within 3-5 business days and se I purchased a Reloadit card. I blocked the funds Fraud was happening against me. Company told me they would contact me within 3-5 business days and send me a refund check for my $50.00. It has been 3 weeks and they have not called once. I call them and every time get the same run around. The reloadit pack # XXXXXXXXXX ITR XXXXXXX XXX-XXX-XXXX is their phone number.

Desired Settlement: I want my $50.00 back like now. They are obviously using my money in their bank account to earn interest.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On April 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a Reloadit Pack that he purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 27, 2015, Mr. ***** purchased a Reloadit Pack and provided the Pack information to the fraudster. Shortly thereafter, he suspected fraud and contacted customer service. We were able to block the Pack from use before the fraudster could apply the funds. It generally takes between 20-30 business days to receive a refund check. We mailed Mr. *****'s refund check for $500 on April 22, 2015. He should receive it within two weeks of that date. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/13/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Trying to dispute fraudulent charges on a gift that I purchased. Company is being negligent in the dispute process to run out my 60 window to dispute. Purchased this card as a gift for my brother for graduating basic training for the Marines. Date of card purchase 1/24/2014 for $120 card balance w/+G/CARD TRANS FEE of $5.95. I gave the card to my brother on 1/30/2015 in person and the card remained in its original package until 2/1/2015. My brother called me to inform me the card was being declined so I checked my bank statement to ensure the transaction was charged to me and it was. I called the location of purchase (Stater Bros Store #**), the manager on shift stated the card could have been part of fraudulent transactions and referred me to the gift card company. I asked my brother to send the card back to me so I could call the card company and try to get the issue resolved. When I received the card back in February I called the number on the back of the card XXX-XXX-XXXX on 2/22 and spoke with a rep who proceeded to tell me that I needed to fill out a dispute form in order to get the funds returned to the card. I was unable to complete the form at the time because my home lap top did not allow me to fill in the fields on the dispute form. I called again on 3/10 to be walked through the form process now that I had access to a computer that allowed me to fill out the form. I was given all of the info to put on the dispute form to dispute the two (only) transactions on the card (Transaction date, posting date, transaction amount, dispute amount, merchant name and type of dispute) I was told I could email, mail in or fax the form. I opted for email to save time. The email address I was instructed to send the email to is ************@bhnetwork.com . I completed this process and was assured that was all I needed to do to dispute the charge. I made a follow up call on 3/14/2015 to ensure the form had been received and was posted on the account. I was then informed that they could not move forward until the card was registered to me. This did not make sense to me and the rep I was speaking to did not make the reasoning clear. I told her the last rep said all I had to do was submit the form. I became frustrated because non of this was making any sense and getting a clear answer was impossible so I disconnected the call. I made another follow up call on 3/16 to find out what was going on, the rep explained why I needed to register the card and explained the dispute form could not be connected to the card until it was registered. This made sense to me so I registered the card to my name, phone number and address. She stated I **** receive a replacement card and once the dispute form was posted to the account (she gave a time frame of 2-3 business days after registering the card) the process would take 45-90 to investigate. I was fine with this. I called on 3/21/2015 to make sure the form had been posted since I registered the card a few days prior. I was told that it had not. They cannot check to see if it was received at all. My 60 days since purchase is approaching very quickly and I **** not be able to dispute the charges afterwords. I have proof that I did submit the form on 3/10/2015 to the correct email address. I am submitting this complaint to the BBB for a few reasons. 1st. Since the beginning the dispute process was never fully explained to me. When I follow the instructions of the agents they have failed to communicate key portions of the steps I need to follow for this to be a complete dispute. I end up being told by different agents when I call back in that the process cannot be completed until I do another step that was never mentioned before. 2nd. I believe they are purposely trying to keep me from completing the dispute process within the 60 day window. 3rd.I want documentation outside of this company showing I did my due diligence to complete this process in the time allotted. I can provide proof that the dispute form was sent on 3/10/2015, phone records for the days I have called in as well as a receipt for the original purchase. ADDITIONAL DETAILS: Case is being handled by another organization: Bank Of America

Desired Settlement: I am more than willing to wait the 45-90 day wait period for the investigation of the transactions. I want to ensure it is documented that I have attempted to do everything in my power to resolve this matter directly with the gift card company. I also want it to be fully documented that the company has been very misleading regarding the dispute process and I do perceive it to be a scam. After the dispute process is complete I would prefer to have the money given back to me, including the activation fee of the card. I DO NOT want the funds returned on one of their gift cards. I am willing to accept a direct refund to my debit card, or a check.

Business Response: Initial Business Response /* (1000, 11, 2015/04/27) */ ***Document Attached*** VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *****, On March 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** with respect to unauthorized charges on her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 16, 2015, Ms. ***** contacted customer service to begin the dispute process for two unauthorized charges on her card. On March 25, 2015, we received the completed documentation from Ms. *****. That same day, we were able to resolve the dispute and credit Ms. *****' card for $117.07. On April 2, 2015, we processed a refund for the card per Ms. *****' request. She should have received a check for the full amount. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I provided ALL the documents that were requested to facilitate a refund of my account after pay power blocked it. Its been 3 full weeks and NO REFUND. This dispute is in regards to 2 pay power cards (card balance): X) XXXXXXXXXXXXXXXX ($7462.75) X) XXXXXXXXXXXXXXXX ($1970.10) Total Balance $9432.85 On March X XXXX, I tried using one of my pay power cards, but it wouldn't work. So I called customer service to investigate and was informed (I can't remember the agents' name, I think its ******) that my account was blocked and closed due to improper usage (Both card accounts closed). And that I had to provide some documentation to facilitate a refund of the accounts and that the entire process would take 20 Business days. I immediately sent the requested documentation on the 5th. After a few follow-up calls on the 5th and 6th where I was always told I had to provide more information. I continued to provide additional information such as copy of social insurance card, drivers license (held next to my face). I was promised a call-back twice and didn't receive it on either occasion. Thankfully on the 9th of March I called and got a hold of ***** in the risk department who was the first person to ask about account usage and tell me exactly what I needed to do to properly close the account. I ended up providing the last piece of documentation (Credit card statements) and ***** informed me that I had to wait for his report to be approved by another department before my refund **** be issued. I kept calling once a week to check on the status of my refund and I found out that my case had been approved on the 19th of March and that my refund cheque would be issued any day now. I called on the 30th of March to see if the refund cheque had been mailed and I was told that my refund had not been mailed and It could take 30 business days from the date of approval for me to receive my cheque. This is completely unacceptable. 30 business days is a fancy way of saying 6 weeks (until 30th of April). Thus implying a total wait time 44 business days. After I was told 20 business days on the 5th of March. The initial closure of my accounts on the 5th has already caused me a lot of inconvenience. I had to borrow money to pay my Feburary bills. Now I have to pay back the money I borrowed and pay my bills for March BUT I still don't have my money. I can't afford to borrow any more money to pay my bills. How am I supposed to pay my bills when pay power refuses to return my funds in a timely fashion. Why is it taking them so long? Would any employee of pay power like to have their wages seized for 30 business days after approval? Why would they wrongfully keep me away from my money for so long without paying any interest on the $9432.85 owed to me? As you can imagine, $9432.85 is a lot of money and I am in a very dire situation. I am broke. I need my money from pay power to pay my bills and restore my life.

Desired Settlement: I would like Pay power to issue my refund in a timely manner. Its already been 21 days since my account was closed and it is very disappointing and highly unacceptable that my cheque has not been mailed. I am demanding the immediate and express shipment of my refund cheque to enable me pay my overdue bills and restore my life.

Business Response: Initial Business Response /* (1000, 10, 2015/05/04) */ ***Document Attached*** VIA BBB WEBSITE May 4, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ******** Dear Ms. *****, On April 1, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ******** with respect to his Canada PayPower Visa Prepaid Cards. Blackhawk's affiliate, Blackhawk Network (Canada) Ltd. is the program manager for these cards on behalf the issuer, All Trans Financial Services Credit Union Ltd. On March 4, 2015, Mr. ********'s account was closed because of suspicious transaction patterns. Per 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. ******** contacted our Risk department. We requested various documents to verify his identity. At that time, we explained to him that we would refund him once the requested documentation had been received and the refund had been approved. That day, we also closed a second account in Mr. ********'s name. Mr. ******** provided the documentation, and we approved a refund for the remaining balance on both accounts on April 16, 2015. We have processed the refund. Mr. ******** should receive a check for the full amount of both cards within 14 days. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 14, 2015/05/12) */ (The consumer indicated he/she DID NOT accept the response from the business.) I recieved my check last week. The entire process was horrific. No compensation for time lapse. There was no adequate update on the processing of refund. The account was closed 3rd of March, I filed a BBB 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 order. This matter **** not be resolved until I get some type of compensation for the hardships caused by Black hawk network and their 2 month processing time while providing inadequate updates. Something has to be done about the processing time for refunds. This business should not have the rating it does based on the total number of complaints and processing and response times. They **** certainly be hearing from the Canadian consumer protection agengy.

5/12/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Customer Service would not allow me to speak with a supervisor until i asked 12 times, then the supoervisor lied to me about their TOS and hung up First CSR hung up on me, second one told me that i needed to shut up and what was the reason that i could not understand what he was saying to me and i had to ask him 12 times to speak to his supervisor before he told me that she was going to tell me the same thing he had and there was nothing i could do about it, the supervisor took 10 minutes before answering the phone, she then told me that i needed to shut up and listen to her and preceeded to lie about their terms of service and lied about their practices of putting a hold on customers accounts. she stated that she would hang up on me if i didn't shut up and after telling me that her bank did not set the practices as detailed in their terms of serive, hung up on me.

Desired Settlement: i want the 54.00 they took out of my account for a my card being swiped at a gas station but no transaction was processed, the machine cancelled the transaction due to a time issue, i couldn't get the cap off the gas tank before trying to purchase gas. i was unable to purchase gas due to them emptying my account and had to ask strangers for money, VISA's policy is that these kinds of "holds" only be 24 hours, but this company says it **** take 7 business days for my money to be put back into my account.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Dear Ms. *****, On April 21, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******** with respect to a charge on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On April 17, 2015, Ms. ******** attempted to pay at the pump for a gasoline purchase. The transaction was approved resulting in an authorization hold. For security purposes, the transaction is cancelled if the customer does not begin to pump gas within a certain amount of time. This was the case for Ms. ********. She swiped her card and that authorized it for $53.68. Although she did not pump gas before the transaction was cancelled, the authorization remained. This 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 10 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 method. First, the merchant obtains an "authorization" for a transaction. An authorization **** not reduce the balance on the card, but it does reduce the balance available to the customer for spending. If the transaction is completed, it **** "settle" and be posted to the account. If the transaction never settles, then after some period of time (generally no more than ten days), the authorization hold **** disappear from the account, and the amount of the authorization hold **** once again be available for the cardholder to spend. The transaction never settled and the authorization hold was released on April 20, 2015 by the merchant. This made the $53.68 available for use. As a courtesy for any inconvenience, we have reversed fees on Ms. ********' account for a total credit of $11.90. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (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 $11.90 credit. Final Business Response /* (4000, 9, 2015/04/29) */ VIA BBB WEBSITE April 29, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******** Rebuttal Dear Ms. *****, On April 29, 2015, we received a rebuttal from ******* ******** 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 card. This Cardholder Agreement is provided online at: https://www.paypower.com/Content/PDF/TC/TCs_PayPower_Visa_Prepaid_Card_XXXXXX_MetaBank_XXXXXX.pdf The fees totaling $11.90 were reversed on April 21, 2015. They are listed as "Monthly Maintenance Fee Reversal" on Ms. ********' transaction statement which she may obtain by logging on to her account at www.paypower.com. There are two of these for a credit of $5.95 each. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/11/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Visa card purchased as a gift for $50 w/expiration date of 06/17. Card not used. Activated on05/01/15. Value of only $2. $5.95/mo charge. Stole $50. I purchased a visa card from the gift card section of Casey's General Store in ***** ****** ** on 08/28/2014. It was a $50 Card with an additional charge of $3.95. I have bought other gift cards before. The card was to be a gift but was not used. I activated the card on 05/01/2015. The expiration date on the card is 06/17. So I was shocked when the person on the phone told me that the care only had $2 left on it because there was a $5.95 monthly charge on the card. The gift cards I purchased in the past had no expiration date and no monthly charge. These people also took my personal information which also concerns me because of the possible identity theft issue. I feel that there was misrepresentation in the sale of the card. I have just had $50 stolen from me. I should be reimbursed at least $50. I am also surprised that Visa has their name on this product.

Desired Settlement: I expect to be reimbursed for the cost of the card, $53.95. I also know that the conditions placed on these cards are misleading, deceitful,and dishonest.

Business Response: Final Consumer Response /* (2000, 6, 2015/05/11) */ I finally got to talk to a supervisor and he agreed to put $50 back on the card. This has been done and the $50 was successfully spent. This matter has been resolved.

5/11/2015 Problems with Product/Service | Read Complaint Details
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Complaint: On 04/10/2015 I purchased a Reloadit pack in the amount of $240.00 at Safeway in Kelso, WA. Following the instructions on the pack I visited the website to load the funds on my prepaid credit card. after giving the site the Reloadit pack number and my card number it informed me that it would take 180 min for the funds to be applied to my card. After a few hours the funds were not on my card so I decided to give it until morning. The following morning the funds still had not been applied to my prepaid card so I called the customer service number provided on the back of the Reloadit pack. After explaining the situation to the customer service rep she transferred me to there fraud division after explaining the situation again to the agent he came to the conclusion that I had been directed to the wrong website although the website was identical to there's with the same contact info he insured me that it was not there website and gave me an incident number (XXXXXXX) and informed me to contact local law enforcement. after ending the call with CS I immediately contacted the Castle Rock Police Dept. After explaining the situation and giving the officer the web addresses I had got from the CS agent (reloadit.com and reloadite.com) he told me that they are not capable of handling such incidents and that I needed to contact CS for my refund and then gave me a case number SXXX-XXXX. I contacted CS again and talked to a supervisor who informed me that they came to a resolution already and that I would not receive a refund and they were not liable. I then asked him how they were not liable when they are participating in a scam whether it was willingly or not because even if I had entered my Reloadit number in the wrong identical site the scammers still had to go to the other site to get my money. After the agent terminated the call I found another fraudulent identical site. reloadit.org I did take screen shots of all sites. Product_Or_Service: Reloadit Pack

Desired Settlement: DesiredSettlementID: Refund To resolve the problem I would just like my hard earned money refunded to me. I do have my receipt of purchase and the Reloadit pack with the Reloadit pack number if necessary. Thank you for taking the time to review my complaint.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** ***** Dear Ms. *****, On March 5, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** ***** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On April 10, 2015, Mr. ***** purchased a Reloadit Pack and associated $240 with the Pack. He states that he attempted to transfer the money on his Pack to a prepaid card via the internet and was told that his money had been successfully transferred but that he would need to wait 180 minutes before the money would show up in his prepaid card account. Mr. ***** waited until April 11, 2015 to contact customer service because the funds had not been applied to his card. Unfortunately, Mr. ***** appears to have been the victim of a cloned site. He certainly did not go to www.reloadit.com; instead, he went to a site that looked like www.reloadit.com but was not (we believe he may have gone to www.reloadite.com). We are positive this is the case, because the actual Reloadit site never tells the customer to wait 180 minutes (or any amount of time) before their funds will show up in their prepaid account. We know that a number of cloned sites use a waiting period in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls customer service to block the Pack. When Mr. ***** entered her Pack number on the cloned site, he gave the fraudsters the information they needed to transfer the money on his Pack to a prepaid card they controlled. By the time Ms. ***** called customer service, the fraudsters had done just that. We are unable to provide a refund once the funds have been spent. Nevertheless, we were able to work with Safeway to resolve this matter. Safeway has provided this customer with a refund. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX ************************ ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) April 28, 2015 Very disappointed with Blackhawk's ability to resolve this incident in a professional manner. I will never use any of there products again and will share this story with every one i come across. Thankfully Safeway was able to resolve this problem and provide me with a full refund. Not only did they resolve Blackhawk's issue for them they listened to my problem with concern and apologized. Blackhawk not only didn't respond to me after contacting them via phone or e-mail they never even apologized. Hopefully they are at least taking steps on preventing scammers from taking there customers money rather than allowing and participating in a scam that steals money from there customers. Final Business Response /* (4000, 9, 2015/05/11) */ VIA BBB WEBSITE May 11, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** ***** Dear Ms. *****, On April 28, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ******* ***** ***** with respect to our response to his original complaint. We are sorry that Mr. ***** was victimized by this fraud. We are happy that Mr. ***** was able to recover his money. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, Heidi Lyttle ********* ******* Customer Service Specialist Reno, NV XXXXX ************************ ************@bhnetwork.com

5/11/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Funds not being returned as promised. Given all documentation they requested. Still getting run around On 3/21/15 my husband made a return to Craft Warehouse for $86.59. He gave them this visa gift card to place the money on. When he tried to use the card, it was declined. He called to find out why and was told it would be released within 5 business days. He called at that time and were told they weren't sure why it had not been released but now the entire card was locked down for review but it **** be released in 2-3 more days. I called on 3/31/15 and was told I needed to send in a copy of the receipt proving the return. Even though they couls see the credit was initiated from Craft Warehouse (which there is no way for anyone else to issue it but the store) coupled with nowhere in writing (in the cardholder terms & conditions or anywhere else) does it state that customers are required to provide documentation, I emailed the copies of the reciept to ************@bhnetwork.com. Because I was hesitant and unhappy with waiting even MORE time for my money (my father just came home on hospice to die, causing me to need to quit my job to care for him so this money is greatly needed for diapers and small incidentals for my young children) was PROMISED repeatedly that it would be no more than two business days for it to be resolved. I asked for that in writing as well and was told they could not provide that. Yesterday (day two after email) I called and was told it was still on hold. No explanation, no way to transfer to someone who could help. I called again today and was told the same thing with an added statement of "its just going to take a bit longer" (couldnt tell me how much longer) and "they need to call the merchant to verify the return" (why make me email receipts then if that is not needed, and why not call them 2 weeks ago when this started)? I can provide proof of my fathers condition and hospice care if needed.

Desired Settlement: I would not only like the money I am owed ($86.59) as well as an additional $100 gift card due to the added stress and anguish caused by their lack of customer service and not fulfilling the promises of my funds being released over these last two weeks. Normally I am the last person to ask for something above and beyond what I am actually owed, but when my father is in the hospital gravely ill and now home on hospice with a life expectancy of 1-2 weeks at most and requiring 24/7 care from myself and my husband along with caring for our two small children, the last thing I should have to worry about is calling numerous times, emailing, etc to receive money that is rightfully mine. Instead, I was made to jump through hoops (which I did) only to not have Blackhawk not hold up their end of the agreement. Therefore, I feel the monies owed $86.59, plus the additional $100 gift card ($186.59 total) is a more than reasonable request on our part. Should any documentation of the refund or my fathers condition be needed, I can provide it in a moments notice.

Business Response: Initial Business Response /* (1000, 5, 2015/04/15) */ VIA BBB WEBSITE April 15, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******** Dear Ms. *****, On April 7, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ******** with respect to a block on a Visa Gift card. . Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. We apologize for the negative experience Ms. ******** had, but her inconvenience resulted from our attempt to protect her and the funds on this card. On March 22, 2015, Ms. ********'s husband returned merchandise and had the refund posted to this gift card instead of the card that had been used to make the purchase. That caused the balance of the gift card to exceed the initial value of the card. When that happens, our system automatically blocks the card due to suspected fraud (a common fraud scheme is to post phony refunds to a gift card and then withdraw the money before the fraud is discovered). On March 25, 2015, Ms. ********'s husband contacted our customer service for assistance. On March 31, 2015, our Risk Department left a message advising that we required a copy of the receipt for this refund in order to unblock the card. On April 8, 2015, the appropriate documentation was received and the block was removed. Ms.******** now has access to the remaining balance on her card. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/04/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) The card was unblocked and then when my husband tried to use it, it blocked it again. I called this afternoon and was told it was because the amount was $80 on a $50 card. The same $80 that caused the issue to begin with!!! After 3 more calls I was able to get a hold of someone who was able to fix it without a ridiculous song and dance as before. Regarding the email receipts, no one ever contacted us. Ever. Every call was made by us. In fact, I called over a week ago to corporate requesting a call back and no one has bothered to do so. Second, I emailed the receipts in April 1 (have the email to prove it) I was told by "customer service" that they never received it. Ironically, when I filed this complaint and was contacted by Heidi, I forwarded her the email as proof and wouldn't you know it...she found the original right away. So they most certainly did not receive it on the 8th as they claim, but rather decided to actually do something about it on that date (5 days AFTER I was originally promise they would (on top of the run around from the get go). They did say they are mailing $25 on an additional gift card instead of the $100 I requested. Considering what they have put my family through now combined with having to spend another two hours on the phone getting the second block removed (which was solely their doing that time) the $25 is unacceptable. Final Business Response /* (4000, 9, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ******** Rebuttal Dear Ms. *****, On April 16, 2015, we received a rebuttal from ********* ******** to the response we submitted to her original complaint. We recently spoke to Ms. ******** via the telephone regarding her complaint. We consider this matter closed. Please reach out with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 11, 2015/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) I received a call from the corporate customer service director. She apologized for the issues.During the call, she mentioned that calls CAN be transferred to the risk department to assist with blocks. So that means everyone lied to us on every call as well as drug this out for nearly a month for no reason. My request for $100 additional compensation still stands, especially after learning this could have been resolved practically same day

5/11/2015 Problems with Product/Service | Read Complaint Details
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Complaint: FILLED MY TAXES WITH TAX ACT ON JAN 20 OF THIS YEAR BUT, PAYPOWER HAS NOT SENT ME MY CARD. OVER THE LAST TWO MONTHS I HAVE SPOKEN WITH PAYPOWER OVER 30 TIMES ABOUT MY DEBIT CARD BEING SENT TO ME AND I HAVENT RECIEVED A CARD YET. THEY TELL ME TO WAIT 7-10 BUSSINES DAYS FOR THE CARD BUT I HAVE NOT RECIEVED ANY OF THE FOUR CARDS THEY CLAIMED THEY MAILED OUT. THEY ARE RUDE,UN PROFESSONIAL, AND MOST OF ALL LIARS. I HAD TO MOVE OUT OF MY APARTMENT BECAUSE I WAS DEPENDING ON THAT MONET TO COVER MY RENT FOR TWO MONTHS. I HAVE ALSO SPOKEN WITH THE IRS AND THEY ARE LOOKING IN THEM FOR FRAUD BECAUSE THEY WERE SUPPOSE TO HAVE MONEY TO ME IN A MANNERLY TIME. WHY SHOULD I LET THEM HOLD MY MONEY HOSTAGE???

Desired Settlement: MY TAX RETURN

Business Response: Initial Business Response /* (1000, 8, 2015/04/01) */ VIA BBB WEBSITE April 1, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On March 13, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a PayPower Visa Prepaid Card to which he opted to have her tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for any inconvenience Mr. ***** experienced as a result of not having his PayPower card to access his tax refund. On January 20, 2015, Mr. ***** filed his taxes through TaxACT and registered for a PayPower card. We sent his card via standard delivery that same day. It normally takes 7-10 business days for the card to be delivered. As of February 3, 2015, Mr. ***** had not received the card we sent, so we sent a replacement. Another replacement card was issued on February 23, 2015. All of these cards were sent via the United States Postal Service ("USPS"). We are unable to explain why Mr. ***** did not receive any of the cards sent via this method. On March 25, 2015, an expedited card was shipped to Mr. ***** via UPS. On March 27, 2015, we contacted Mr. ***** and provided the tracking number for this shipment. Mr. *****'s card was delivered March 30, 2015. Since it took far too long for Mr. ***** to receive his card, we have reversed fees on Mr. *****'s account for a total credit of $52.60. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/04/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) still havent gotten my card Final Business Response /* (4000, 12, 2015/04/27) */ VIA BBB WEBSITE April 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Rebuttal Dear Ms. *****, On April 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ***** ***** with respect to our response to his original complaint. According to our tracking records, a card has been delivered and signed for at Mr. *****'s address on two different occasions. We suggest that Mr. ***** consult with other members of his household if he still has not received a card. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/8/2015 Delivery Issues | Read Complaint Details
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Complaint: my tax refund money is in paypower card and they blocked the card and i cannot have access to my money is 2weeks now i still cannot get my money out i filed my tax refund to be deposited into my paypower card and the irs sent my refund to the paypower card and when i try to access my funds the card blocked i called the customer service and after waiting for one hour on the phone a rep told me he **** give me a case ticket and my card **** be unblock within 1-3days so i waited and nobody called , my family is suffering i need to pay the child care i need to pay my bills my phone line cable has been disconnected as i have overdue payment to make. can someone here come to my help immediately i have called irs and i was told nothing is wrong with my refund that it has been deposited into myaccount which is paypower, the case number is: ITRXXXXXXX

Desired Settlement: i need funds you as soon as possible

Business Response: Initial Business Response /* (1000, 8, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On March 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 2, 2015, Ms. ***** purchased a PayPower card at a Winn-Dixie store. He filed his taxes and requested that his refund be applied to this card. A very large tax refund posted to Mr. *****' account on March 6, 2015. Our fraud detection systems flagged this as likely fraud and blocked Mr. *****' account pending additional verification. We have attempted to contact Mr. ***** on several occasions regarding this matter at the phone number listed on his account. He has not responded to the messages that we have left for him. We have also attempted to call the phone number listed on this complaint, but it has been disconnected. We are sending the funds back to the IRS, since we are unable to successfully identify Mr. *****. Mr. ***** should contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/04/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) THIS COMPANY IS NOT HONEST I CALL EVERY DAY AND I WAIT ON THE PHONE FOR HOURS WITHOUT A RESPONSE AFTER ATTEMPTING TO CALL THEM SEVERALLY I WAS ABLE TO SPEAK TO SOMEONE IN THEIR RISK DEPARTMENT ON THE 13TH APRIL HE PERFORMED SECURITY CHECK AND HE LATER TOLD ME I PASSED *** HE ADVICE MY MONEY **** BE RELEASED.SO HOW COME THEY TOLD BBB.ORG THAT THEY TRIED TO CONTACT ME I TOLD THEM IN MARCH WHEN I SPOKE TO SOMEONE IN THE CUSTOMER SERVICE THAT MY PHONE WAS DISCONNECTED BECAUSE OF DEBT, MY BILLS ARE ALL OVERDUE TO PAY MY CHILDREN DAY CARE BILLS OVERDUE IT HAS BEEN A TERRIBLE TIME WITH MY FAMILY WHAT THIS COMPANY DID TO US. I CALL IRS EVERDAY AND THEY TOLD ME MY REFUND IS WITH PAYPOER METABANK. ******* WEIS Final Business Response /* (4000, 12, 2015/04/24) */ VIA BBB WEBSITE April 24, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Rebuttal Dear Ms. *****, On April 15, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from ******* ***** in regards to our response to his original complaint. The funds from Mr. *****' account have been sent via check to the IRS. He **** have to continue checking with them regarding the receipt of these funds. We apologize for any inconvenience. From this point forward, all of Mr. *****' communication regarding this matter should be directed to the IRS. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/6/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: My card that was loaded with my tax refund was put on a risk hold that I didn't initiate.i am unable to access my own money because they suspect fraud My prepaid paypower card is blocked and the funds I need to provide for my two kids are not available to me since they decided I was using my card to much. Their website says you can withdrawal 500$ a day and in fact your only allowed 400 and then they shut your card off due to fraudulent activity. Now I am unable to access my own money until they contact me!

Desired Settlement: Place fraud holds only on accounts when requested my the customer and release my funds

Business Response: Initial Business Response /* (1000, 9, 2015/04/20) */ VIA BBB WEBSITE April 20, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On March 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to a PayPower Visa Prepaid Card to which she opted to have her tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. On March 11, 2015, Ms. ****** filed her taxes through TaxACT and registered for a PayPower Card. A tax refund posted to Ms. ******'s account on March 17, 2015. On March 24, 2015, our fraud detection systems flagged this as likely fraud and blocked Ms. ******'s account pending additional verification. On March 27, 2015, our Risk Department attempted to verify Ms. ******'s identity. 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. ****** contact the IRS regarding this refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

5/6/2015 Problems with Product/Service
5/5/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Poor customer care/product misrepresentation I received a paypower card and went online to activate it,error message read card locked contact X-XXX-XXX-XXXX. Upon verifying information I was told they had no information and the only way I could get information was to wait on a cb approximately 3-5 days later. I found this absurd seeing that my tax refund was being deposited as well as I had submitted the direct deposit form to my employer. I called several more times thinking just maybe I would luck up on a customer service representative who would go above and beyond to help and to no avail everyone said the exact same thing as if they were reading from a script. I could barely understand the representatives and when I asked if I could speak with someone whom I could better understand I was hung up on , by the way this person said they were a supervisor. I went online to look at reviews and found the same exact thing happening to many people I will also contact taxact to see if they are aware of the product they are endorsing cannot or will not learn how to provide customers information when asked.

Desired Settlement: refund of the cost of the card

Business Response: Initial Business Response /* (1000, 8, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** *** Dear Ms. *****, On March 26, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** *** with respect to a block on his PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. Federal law requires us to obtain, verify and record information pertaining to a person's identity. This includes first name and last name, verifiable U.S. street address (no P.O. Boxes), date of birth, Social Security Number and other information that will allow us to reasonably identify a person. This requirement helps to prevent the card from being used for illegal purposes. On March 17, 2015, this customer filed taxes through TaxAct and registered for a PayPower card. We placed a block on the card, because we could not verify the customer's identity without additional information. On March 25, 2015, the customer contacted customer service to have the block removed. Our representative explained that the issue would be escalated to our Risk Department and someone would be in contact. We attempted to contact the customer, but were unable reach them or leave a message. Since the cardholder's identity could not be completely verified at the time of registration, the tax refund was never applied to a PayPower account. When a customer obtains a card through TaxAct, the fee for obtaining the card is deducted from the refund amount after it posts to the card. This fee was never charged, since the refund never posted. We suggest that the customer contact the IRS and make arrangements to receive his money. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX ************************ ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 10, 2015/04/16) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is unacceptable due to I never received a call and why is it that a phone number is given but no information can be given to you until 5 business days after contacting it regarding this card. That's absurd ,also, when preparing taxes its a verification process you go through before they even approve you for the card if the name on the card matched the name of the tax return social security number matches what else is there to verify? The address matches if not I would not have received the card to try to activate it. Final Business Response /* (4000, 12, 2015/04/23) */ VIA BBB WEBSITE April 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** *** Rebuttal Dear Ms. *****, On April 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal from *** *** with respect to our response to the original complaint. Our customer service agents are not given in-depth knowledge of our customer's accounts. We have different departments with various access levels for our customers' security. We also have fraud detection systems in place to protect our customers and their accounts. No fraud detection system is perfect. In this case, we received an alert on the customer's account upon registration which required further authentication. The tax refund that the customer filed was never applied to this account. Any further communication regarding this should be directed to the IRS. We apologize for any inconvenience. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** NV XXXXX ************************ ************@bhnetwork.com

5/4/2015 Guarantee/Warranty Issues
5/4/2015 Problems with Product/Service
4/30/2015 Problems with Product/Service
4/30/2015 Guarantee/Warranty Issues
4/30/2015 Delivery Issues
4/30/2015 Problems with Product/Service
4/30/2015 Problems with Product/Service
4/29/2015 Problems with Product/Service
4/28/2015 Guarantee/Warranty Issues
4/27/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Company website has many technical issues, resulting in cardholders not being able to access funds for more than 24 hours. Customer service is no help I purchased a reloadit pack to apply to my paypower prepaid card. The company has changed the way that cards are loaded without notifying the cardholders. The new process is longer to complete but that is okay. The problem is that the website has been experiencing technical issues for over 24 hours. This means that card holders are denied access to the funds we sought to apply to the prepaid debit card. The company customer service **** not load the card and they **** not issue a speedy refund. I have allocated my **** money to them in order to pay a **** that is coming due and they can not provide that service. If I could get a refund I could pay another way but they **** not give a refund quickly enough. This means that I **** be subject to late fees because of their ongoing technical issues. They can not even project when they **** have this issue resolved. It takes 45 minutes to reach someone on the provided customer service line. When you reach them they ask for your money pack number which is not a secure way of verifying the account because the number could be compromised by giving it out. The customer service contacts do not have any information.

Desired Settlement: They need to resolve this issue and make the funds available to card holders ASAP, preferably in the next few hours. It has already been more than a day.

Business Response: Initial Business Response /* (1000, 5, 2015/03/27) */ VIA BBB WEBSITE March 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********** Dear Ms. *****, On March 13, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ********** with respect to accessing funds applied to her safe on www.reloadit.com. This website is operated by Blackhawk's affiliate, Blackhawk Network California, Inc. On March 10, 2015, Ms. ********** purchased a Reloadit Pack which she applied to a safe on www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Ms. ********** initially entered an invalid account number when she attempted to add her prepaid card to the safe. This prevented Ms. ********** from being able to successfully load the funds from her Reloadit Pack to her prepaid card. On March 12, 2015, Ms. ********** contacted customer service for assistance. The agent informed Ms. ********** of the error and she was advised to enter the correct card number in her safe. Later that day, Ms. ********** added the valid card number, but still experienced difficulties because the numbers are masked within the safe and all of the visible digits matched. On March 13, 2015, Ms. ********** contacted customer service for additional assistance. The agent informed her that this issue would be escalated to our second level team and someone would be in contact with her. On March 16, 2015, we contacted Ms. ********** and advised her to try all of the card numbers within her safe. The Pack would load to the valid card number. Ms. ********** never attempted to load these cards; however, she did add an additional prepaid card on March 20, 2015. The next day, Ms. ********** was able to successfully load the funds from the Reloadit Pack to this newly added prepaid card. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/03/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) Black Hawk Network did not resolve this issue for me. I had to purchase an additional card in order to access my funds. The initial card number entry error stems from a problem on their website that has X's appearing in the box in which you must enter the card number. The X's do not disappear when you type so it becomes very difficult to see what you entered. I was unable to access funds for more than a week, resulting in some late payments. Their customer service takes 45 minute to an hour to reach and they have no power to help customers.I **** no longer use the cards associated with this company and I warn anyone else who is thinking about it Final Business Response /* (4000, 9, 2015/04/13) */ VIA BBB WEBSITE April 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********** Dear Ms. *****, On April 1, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal complaint from ******* ********** with respect to our response to her original complaint. We sincerely apologize for any inconveniences that Ms. ********** may have experienced with our products. Our business is constantly changing in order to protect our customers and their accounts from fraud. We appreciate Ms. **********'s feedback and value her and each of our customers. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/24/2015 Problems with Product/Service | Read Complaint Details
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Complaint: A purchase made on a Blackhawk serviced card was never received and a dispute filed. Blackhawk has not been helpful in resolving the dispute. I purchased a Blackhawk serviced Visa card and made a purchase from sephora.com. Sephora delivered the product to the wrong address and refused to redeliver the package to the correct address. Sephora said they would issue a refund on the card on which the purchase was originally made and this did not occur. Sephora assured me that the refund was processed and that they could not help me. Sephora then stopped returning returning calls/emails. I reached out to Blackhawk to file a dispute and during EVERY step of the way, I have been met with attempts to block dispute progress. Event 1: The representative I spoke with said I could not file a dispute because the purchase I made was authorized by me. Her reasoning was that because the I authorized the transaction, I can only resolve the issue with Sephora. This is not true as I pointed out to her that Blackhawk's dispute form indicates that I can file a dispute if the product I purchased was not received. After 10 minutes of arguing, she would not let me file a dispute. I then asked to speak with her manager who immediately allowed me to file a dispute and indicated I had to fill out and mail/fax in the dispute form. The manager also closed the card that I used to make the purchase and issued me a new one, which I have received and activated ($0.00 balance). I filled out and faxed the dispute form the very next day. The fax machine I used indicated that the fax was received. Event 2: After 3-4 weeks, I received no indication that my fax was received or progress on my dispute was being made. I called Blackhawk to get an update. I was told that the process would take 45-90 days and I could not get an update until that time has passed. I indicated to the representative that I only wanted to know if my fax was even received. She indicated that even this information was not within her power to retrieve, something I found unbelievable and disconcerting. Event 3: I called the next day to again inquire if my fax was received. This person on the phone then told me the fax was never received. I told her I would resend the documents immediately and asked if I could get an email or phone call that the dispute form was received. She indicated that they could not do that and I had the option to call back within a week to see if the documentation was received. Event 4: I faxed and physically mailed the dispute form that same day. My experience with this company is that they **** do anything in their power to avoid conducting an investigation on their end. I have no faith that they **** conduct an investigation or that I **** receive the refund which I am obviously due. While I hope I **** receive a refund, the money comes second over the company's business practices. I have spent hours trying to resolve this issue with no proactive help from Blackhawk. The main reason I am spending any additional time on this issue is to (1) make other aware of their questionable business practices and (2) implore Blackhawk to institute new protocols to actually service their customers

Desired Settlement: I want a refund. I never received the product from Sephora and they obviously never issued a refund on the card I used to make a purchase. This should be a very easy issue to resolve.

Business Response: Initial Business Response /* (1000, 9, 2015/04/08) */ VIA BBB WEBSITE April 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* *** Dear Ms. *****, On March 17, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* *** with respect to an unauthorized charge on his Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On February 17, 2015, Mr. *** contacted customer service. He stated that: (i) he made a purchase from www.sephora.com; (ii) the merchandise was delivered to the wrong address and (iii) the merchant refused to refund or replace the merchandise. We sent Mr. *** a letter and a dispute form which explained the dispute process and the information required. On March 25, 2015, we received all of the requested documentation from Mr. ***. We submitted a chargeback through the Visa dispute resolution process. On April 3, 2015, we received resolution from Visa and posted a credit to Mr. ***'s account in the amount of $41.33. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/24/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I am unable to use the service/product purchased I purchased a ReloadIt card from a local retailer and attempted to add the funds to my paypower prepaid debit card as I have done many times before. A new, unannounced, change in policy made that impossible. I was required to first set up a new "safe" on the ReloadIt web site, which I don't want. After 3 attempts and still not receiving the required confirmation email I chose to contact customer service. My 2nd time calling in I was told it would be fixed within 1 hour. After still not being able to set up a "safe" I called back a 3rd time and opted for a refund instead. Now I am going to have to wait 20 business days for a check to arrive in the mail even though I paid cash. I dont have a bank account which is why I'm using this debit card so the check is going to be difficult to turn into cash. Now I'm broke and can't access my money which I desperately need right now, especially since I have had to use the last of my money to make my insurance payment through a different card from a different company.

Desired Settlement: I want cash in my hands now, after all that is what they demand in order to use this service.

Business Response: Initial Business Response /* (1000, 8, 2015/04/08) */ VIA BBB WEBSITE April 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********* Dear Ms.*****, On March 19, 2015, Blackhawk Network, Inc. received a complaint from ****** ********* with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. On March 15, 2015, Mr. ********* purchased a Reloadit Pack. On March 17, 2015, Mr. ********* attempted to create a safe at www.reloadit.com. The safe allows our Reloadit customers to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. Unfortunately, Mr. ********* was unable to create a safe. Currently, the safe is the only way that a customer may apply funds from a Reloadit Pack to a prepaid card. Since Mr. ********* was unable to create the safe, he has requested a refund for his Reloadit Pack. We apologize for any inconvenience that Mr. ********* has experienced. We have processed a refund for his Pack. He should receive a check for the full amount of the Pack within 14 days. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/24/2015 Guarantee/Warranty Issues
4/23/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: WITH $500 ON MY PAYPOWER CARD, I USED IT TO PAY A ****. SUBMITTED CHARGES FROM VENDOR RECEIVED ERROR MESSAGE, NOW CARD SAYS HOLD ON ACCOUNT, $ IS GONE I USED CASH TO ADD MONEY AT CHECKOUT AT LARGE CHAIN GROCERY WHERE I PURCHASED CARD, LONG AGO. I HAVE USED PAYPOWER FOR AT LEAST 5 YEARS, AND ALWAYS HAPPY, UNTIL SEVERAL PROBLEMS SINCE 1/1/2015. THIS IS MOST SERIOUS ONE SO FAR. AFTER ADDING $500, I CALLED THE REPAIR SERVICE IN ANOTHER STATE TO PAY FOR THEIR SERVICE SO THAT THEY COULD EXPEDITE RETURN OF REPAIRED PART FOR MY CAR. WHEN THEY SUBMITTED THE CHARGE, THEY RECEIVED AN ERROR MESSAGE, SAYING THE INCORRECT BILLING ADDRESS FOR CARD HAD BEEN ENTERED BY THEM. WHEN THEY READ INFO BACK TO ME, IT WAS ALL CORRECT, SO THEY RE-ENTERED USING MY PHYSICAL ADDRESS INSEAD OF MAILING ADDRESS (P.O. IN MY SMALL TOWN, THEIR IS NO MAIL DELIVERY TO RESIDENCES, ONLY P.O. BOX). I WAS STILL ON PHONE WITH THEM, AND ASKED THEM TO RETRY THE CHARGE. THIS TIME IT RETURNED AN "NSF" MESSAGE. WE AGREED TO CHECK ON IT THE FOLLOWING DAY. THE NEXT DAY, 4-1-15, THEY CALLED TO SAY THAT THE CHARGE STILL HADNT BEEN HONORED. I CALLED CARD'S CUSTOMER SERVICE AND AFTER 30 MINUTES ON HOLD I WAS CONNECTED TO A PERSON WHO SAID THE HOLD UP WAS ON THE RECEIVER'S END, THAT THEY HADNT APPROVED AND ACCEPTED THE PAYMENT. THIS AGENT SAID THAT THE PAYMENT WOULD REMAIN "PENDING" FOR 3-7 DAYS IOR UNTIL THE VENDOR ACCEPTED IT. AGENT ALSO SAID MY ONLY OPTION WOULD BE TO CONTACT THE REPAIR CO.'S "CORPORATE HEADQUARTERS" I TOLD HER I HAD ALREADY DONE SO AS THIS IS A SMALL BUSINESS WITH ONE OFFICE. HER PARTING SHOT WAS IT WAS NOT BECAUSE OF ANY ACTION BY THE CARD SERVIC, BUT ALL BECAUSE THE REPAIR CO, HADNT ACCEPTED THE PAYMENT. I FELT THUIS WAS UNTRUE, BUT CALLED THE REPAIR CO. ANYWAY TO RELAY THIS MESSAGE. AS I HAD SUSPECTED, THE WOMAN DOING THE ACCOUNTING THERE SAID THE COULDN'T ACCEPT THE PAYMENT, THEIR HAD BEEN NO APPOVAL CODE GIVEN, SO EVEN AFTER 7 DAYS THE ONLY THING THAT MAY HAPPEN IS THAT MONEY WOULD BE RETURNED TO MY ARD ACCOUNT, LESS NUMEROUS CHARGES BY PAYPOWER, NO DOUBT. THAT'S ANOTHER PROBLEM LATELY...THEY DEDUCT CHARGES THAT THEY DIDNT DEDUCT PREVIOUSLY AS LONG AS ACCOUNT WAS ACTIVE. SO, UNTIL I CAN GET MY MONEY BACK FORM CARD AND FIGURE OUT ANOUTHER WAY TO PAY FOR REPAIR, I HAVE NO CAR TO GO TO WORK TO EARN MONEY. I CALLED CARD SERVICES AGAIN, ANOTHER 30 MINUTE HOLD, THEN ASKED THEM HOW I COULD RESOLVE THIS AND EITHER GET MY MONEY BACK, OR AT LEAST AVAILABLE ON CARD... OR APPROVE THE PAYMENT TO REPAIR SERVICE. THIS TIME I WAS TOLD : "TOO BAD, YOU CAN'T DO ANYTHING, THERE IS NO-ONE I COULD CALL, NOTHING I COULD DO. THE MONEY IS NOT AVAILABLE TO ANYONE, EXCEPT , I ASSUME, PAYPOWER BANK. HE SAID "NO, WE DON'T HAVE IT." WHO DOES, I WONDER? THIS IS THE THIRD DAY OF THIS FIASCO, I AM HUMILIATED BY HAVE MY PAYMENT NOT HONORED, MORE THAN INCONVENIENCED BY THE INDEFINITED DELAY OF MY REPAIR AND RETURN OF CAR PART, AND FEELING LIKE I'M BEING VICTIMIZED. AFTER THIS ALL BEGAIN, I USED THE CARD FOR 2 OTHER SMALL PURCHASES, AS THE REPAIR HADN'T COST THE WHOLE AMOUNT I HAD APPLEIED TO CARD. THOSE PURCHASES, ONE AT LARGE, IN-STATE BASED RETAIL STORE, AND ANOTHER TO HUGE RETAIL ENTITY FOR OFFICE SUPPLIES. BOTH THOSE CHARGES, MADE YESTERDAY, ARE NOW ALSO "PENDING". THE CASH I PAID TO PUT MONEY ON THIS CARD WAS NEVER PENDING! IT WAS PAID, IMMEDIATELY, AND NOW I DONT HAVE IT.

Desired Settlement: I WANT THEM TO EITHER PAY THE VENDOR(S) I APPROVED PAYMENT TO, OR ELSE RETURN THE MONEY TO MY CARD ACCOUNT SO THAT I MAY ACCESS IT AND USE IT TO PAY THESE PEOPLE IN SOME OTHER MANNER. AND I WANT THERE TO BE NOW FEES DEDUCTED FROM MY CARD ACCOUNT DUE TO THIS SITUATION. THAT WOULD BE "INSULT TO INJURY" FOR ME. THANKS YOU FOR THE OPPORTUNITY TO REPORT THIS PROBLEM AND FOR ANY HELP IN IT'S RESOLUTION.

Business Response: Initial Business Response /* (1000, 5, 2015/04/20) */ VIA BBB WEBSITE April 20, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: *** ******** Dear Ms. *****, On April 3, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from *** ******** with respect to a charge on her PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 31, 2015, Ms. ******** states she had a balance of $500 associated with her card. She attempted to pay a **** in the amount of $295.88 with her card. The merchant informed her that the transaction was declined due to an address mismatch. She tried to submit the transaction again, but this time, it was declined due to insufficient funds. Although Ms. ******** thinks she lost the $295.88, she did not. The following should explain what happened. The first transaction was approved by MetaBank, because Ms. ******** had enough money associated with her card to make the purchase. The transaction was rejected by the processor, however, due to an address mismatch. Therefore, the merchant got a decline message. Although the merchant did not complete the transaction, an authorization hold was placed on the card in the amount of $295.88. With respect to Visa cards, transactions other than PIN debit transactions (that is, signature transactions and online transactions) are settled via a two-step method. First, the merchant obtains an "authorization" for a transaction. An authorization **** not reduce the balance on the gift card, but it does reduce the balance available to the customer for spending. If the transaction is completed, it **** "settle" and be posted to the account. If the transaction never settles, then after some period of time (generally no more than ten days), the authorization hold **** disappear from the account, and the amount of the authorization hold **** once again be available for the cardholder to spend. Because of the authorization hold, the available balance associated with Ms. ********'s card was reduced by $295.88, from $500 to $204.12. Therefore, when Ms. ******** tried to put the $295.88 transaction through again, MetaBank declined it, because she did not enough available funds. Of course, the first transaction never settled and the authorization hold was released on April 7, 2015 by the merchant. This made the $295.88 available for use. As a courtesy for any inconvenience, we have reversed fees on Ms. ********'s account for a total credit of $25.75. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2015/04/23) */ 4-23-15 Sent via email: Thanks for the email, and your help! I apologize for the delay in responding; my difficulty with "Pay Power" (MetaBank) resulted in some "automatic payments" not being honored when charged. This caused the suspension of my internet service and e-mail privileges. Like many who utilize the services offered by a "pre-paid" debit card (I would guess) my budget doesn't allow for any "holds" on what funds I have! The good news is: yes, the company that issues the PayPower debit cards had released their "hold" on funds within 7 days of my report to you! They released the funds that were the subject of my complaint AND refunded r months of "maintenance fees" (@ $5.95 per month) that I had mentioned to a customer service person on the occaision that I had managed to contact a living human being when I called their "24/7 help line". I had mentioned it because in the 5+ years I had used the service....there had been no monthly charge assessed, as long as there was at least some activity on rhe account. Apparently it still isn't a part of the "terms and conditions" I had agreed to with my use of the card! So, pleased consider the problem "Resolved", and me, a grateful consumer! I have serious doubts about this business (MetaBank) now - in contrast to my previous position in their regard. I recommended them to family and friends in the past. I won't, in the future. I don't believe I would have gotten the favorable result that I did - without the action of the BBB. Thanks, so much! *** ********

4/22/2015 Problems with Product/Service | Read Complaint Details
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Complaint: The company paypower witch is an blackhawk company has failed to send me my paypower pre paid card witch contains my goverment issues tax refund check I had done my taxes on taxact and decided to have it put on a paypower prepaid card in witch I was told would be recieved in 7 to 10 business days in witch they told me that they had recieved my refund and all I had to do is wait for the card. I have not only not recieve it but I keep getting the run around with the customer service. After I have called them several times and got no resolve and decided to do some research on the company and realized that they are doing this to everyone. That proves criminal intent and I'm getting ready to call the federal bureau of investigations on you all because this is fraudulent activity and I got other people willing to back me up do to them being victims of blackhawk/paypower scam to not honor the agreement advertise on their site. They are withholding money that belongs to my family witch is *******, ******** ***** witch is the primary cardholder name that's on the card witch is my wife but it is my tax refund as well. I'm also calling the irs to see what can be done on their behalf. We do deserve this and had a lot riding on this money being here when they promise me.

Desired Settlement: I just want my tax refund witch $2849.00 witch is our money not yours to let set in a bank to earn interest. You have no right doing this to poor people who rely on this money. I have a kid who also don't deserve to live out on the streets do to company greed. I'm also calling the lawyer to see my options if this is not resolve soon. We need our money.

Business Response: Initial Business Response /* (1000, 8, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On March 20, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for any inconvenience Mr. ***** experienced as a result of not having his PayPower card to access his tax refund. On March 7, 2015, Mr. ***** filed his taxes through TaxACT and registered for a PayPower card. We sent his card via standard delivery that same day. It normally takes 7-10 business days for the card to be delivered. Mr. ***** did not receive the card we sent, so we sent a replacement. On March 26, 2015, Mr. ***** received the replacement card and has since used his card to make purchases at retail locations without any further issues. Since it took a total of 14 business days for Mr. ***** to receive his card, we have reversed fees on Mr. *****' account for a total credit of $35.85. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/22/2015 Problems with Product/Service | Read Complaint Details
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Complaint: The ebay gift card I ordered from Giftcardmall on ebay was never received. Seller promised refund but never issued it. On 2/23/2015, I've ordered a "$50 eBay Gift Card for $45 - Mail delivery $50,Traditional" (ebay item# XXXXXXXXXXXX) from Giftcardmall on ebay (paypal transaction# 03BXXXXXTWXXXXXXC). The card was shipped on 2/25/2015, and was shown to be delivered on 3/3/2015 by USPS (tracking# XXXXXXXXXXXXXXXXXXXXXX), however, it was never received. I therefore contacted giftcardmall through ebay on the next day (3/4/2015) about the delivery issue, and requested the seller to cancel the gift card and issue me a refund in case it was lost during delivery. On 3/6/2015, the seller responded and agreed to issue a refund within 2-3 days. However, no refund was issued after 5 days and no reason was given by the seller. Therefore, I contact the seller through ebay again on 3/11/2015, this time, the seller promised the refund **** be processed within 7-10 days. However, I still haven't received the refund until today (3/22/2015), and further inquiries were not addressed by the seller. Since it is the seller's responsibility to ensure the ordered item reaches the buyer, in my case, the seller should help resolving the issue by either file a claim with USPS, or cancel the gift card and issue a refund if they believe the card was mis-delivered. I found it unprofessional and unacceptable for giftcardmall to give me a run around by promising a refund but never actually issuing it. ADDITIONAL DETAILS: Case is being handled by another organization: ebay

Desired Settlement: I'd like Giftcardmall to cancel the lost gift card and issue me a full refund ($45) as they originally agreed.

Business Response: Initial Business Response /* (1000, 5, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******** He Dear Ms. *****, On March 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******** He with respect to a refund for an eBay gift card that he ordered on eBay. Blackhawk fulfills these orders for eBay. On February 23, 2015, Mr. He placed an order on eBay for an eBay gift card. On February 25, 2015, we shipped the order via USPS Critical Mail. This is a trackable shipping method. Although the tracking shows that the order was delivered on March 3, 2015, Mr. He claims that he never received it. We were able to verify that the card had a full balance. Therefore, on March 26, 2015, we deactivated the card and processed a refund for this order through PayPal. We consider this matter to be closed. Please, reach out with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/22/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: My Paypower card was compromised for 430.00. Paypower is doing nothing to resolve this theft. On Friday March 20, my Paypower Visa had some illegal charges applied to it originating from the State of **. I have never been to **. I used this card for direct deposit from my employer and have done so for the past 2 yrs. On March 20, I started getting email alerts for debits being made to my card. I had 430.00 in the account before the carnage began, now I have 00.00. I immediately contacted Paypower and they immediately blocked the card and issued a new one. By them blocking my card I can't access the online account which is the only way I can download a dispute form. So I ask the CSR if he can email me one. No he can't he says. Terrible customer service. He then explains it could be up to 90 days before I ever see my money. Why so long? I work paycheck to paycheck and don't make a lot. They need to be shut down. I trusted them with my money and they were always quick to extract the fees and service charges. I need my money in a much more timely fashion.

Desired Settlement: I want my 430.00 credited back to my new card. It's so obvious that this is a case of fraud.

Business Response: Initial Business Response /* (1000, 5, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** *** Dear Ms. *****, On March 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** *** with respect to unauthorized charges on his PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 20, 2015, Mr. *** became aware of three unauthorized charges that were pending on his account. That same day, Mr. *** contacted customer service. The agent issued a replacement card and advised Mr. *** that transactions cannot be disputed until they are settled. On March 22, 2015, Mr. *** contacted customer service again to begin the dispute process. On March 24, 2015, our Disputes team received the completed documentation from Mr. ***. We provided a provisional credit for the full amount on March 25, 2015. The next day, we were able to resolve this matter in Mr. ***'s favor. The provisional credit is now permanent. On March 27, Mr. *** received and activated his new card,. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/22/2015 Delivery Issues | Read Complaint Details
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Complaint: I am unable to use the remaining balance on my Visa gift card, and the company **** not help me or send me a replacement. I am unable to use the remaining balance of $1.04 on my Visa gift card, and the company **** not help me or send me a replacement. There is no transaction fee on this card, and I confirmed that with them. They keep telling me the cashier has to put in the remaining balance at checkout. I explained that I am a cashier and am aware of this fact, and I have had them do this many times, at many different stores. I have checked the balance many times, and I know that it is correct. After several emails that suggested I am incompetent, they have still not offered any sort of solution to the problem. They finally just stopped responding to my emails. I'm concerned that this company is ripping off it's customers and gaining a huge profit by making the card unable to be used once it gets below a certain balance. Since most people don't care about one dollar, they'll just toss the card and forget about it, and the money goes into the company's pocket. If they do this with every card they sell, they are making a killing by stealing money a little bit at a time from their own customers! When I asked them if this is what they are doing, I believe they blocked my email address because any additional message I send to them is returned as undeliverable, and I have not received a response now in almost three weeks. This makes me believe this really is what they are doing.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like a new (working) card with at least my remaining balance of $1.04, OR a check for at least the amount of my remaining balance of $1.04.

Business Response: Initial Business Response /* (1000, 5, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Dear Ms. *****, On March 25, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********* with respect to her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 25, 2015, I contacted Ms. ********* and obtained the card information. I researched the archived transactions and was able to provide her with the balance and transaction history on March 26, 2015. The customer now understands that she had used all of the funds on the card. We apologize for any misinformation given and inconvenience experienced in regards to this matter. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/21/2015 Delivery Issues | Read Complaint Details
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Complaint: I tried calling the company to have them delete my information. However, I was forced to enter the credit card information just to be able to talk to someone, which activated the card.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Delete my account completely.

Business Response: Initial Business Response /* (1000, 13, 2015/04/20) */ VIA BBB WEBSITE April 20, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ********** Dear Ms. *****, On April 1, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ********** with respect to a PayPower Visa Prepaid Card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Ms. ********** requested that we cancel her account. She provided personal information that enabled us to properly authenticate her. On April 15, 2015, we closed the account that was registered in her name. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist Reno, NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 15, 2015/04/21) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I have a Meijer prepaid card via Blackhawk Network. For over a month I have been trying to have a block removed from the card. I have a Meijer prepaid card via Blackhawk Network (card #XXXX XXXX XXXX XXXX, exp. 11/17). For over a month, I have been trying to have a block removed from the card. I have had several calls with representatives and corporate and no progress has been made. I have not even been told why a block was placed on the account. I've been told that I need to wait for a call from the risk department, but I have not heard from them for ~3 weeks. I have tried to submit all requested information, but the card was purchased in December 2014 and I no longer have the original store receipt for the card. I went to the Meijer store to try to request another receipt, but the store manager told me that receipt information is only kept for 4 days. My ticket numbers are ITR XXX XXXX, ITR XXX XXXX

Desired Settlement: I would like Meijer/Blackhawk Network to remove the hold from my account or refund the money on the card to the account holder/address on record.

Business Response: Initial Business Response /* (1000, 5, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On February 11, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to a block on her Meijer Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ***** had, but her inconvenience resulted from our attempt to protect her and her account. On January 16, 2015, a block was placed on Ms. *****' card due to suspected fraud. No fraud detection system is perfect, and occasionally, cards get blocked when there is no fraud involved. Ms. ***** provided additional information and documentation that enabled us to properly authenticate her identity and resolve this issue. On April 6, 2015, our Risk Department unblocked Ms. *****' card. Ms. ***** can now access her money. As a courtesy, we reversed fees on Ms. *****' account for a total credit of $11.45. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2015/04/18) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: holding federal refund IRS released refund February 23, 2015 at 8:00 am. Bancorp bank states they released funds to paypower at 11:58 am that day. Paypower (XXX) XXX-XXXX states they never got my refund and has no ideal where its at. They gave me the run around until I got ceaser from Bancorp bank and ****** from papaypower on a 3-way call. The supervisor had no ideal what to tell the bancorp rep on where my refund was and said there was no info in my file that t was received. I called the IRS i on the 25th and the lady there told me they accepted and submitted my refund to my account provided and paypower has my money. Prior to submitting my direct deposit info on my tax forms I called a rep at paypower and they informed me as long as my name was one name on the tax forms they would deposit my check and verified my acct/routing number. Their website provides the same info. They gave me a ticket number, but they claim they still know nothing and cant give me a date to when they'll figure it out.

Desired Settlement: 5,380

Business Response: Initial Business Response /* (1000, 9, 2015/03/19) */ VIA BBB WEBSITE March 19, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ***** Dear Ms. *****, On March 3, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ***** with respect to her Meijer Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. On February 23, 2015, Ms. ******* tax refund was issued by the IRS. She instructed the IRS to load it to her Meijer Visa Prepaid Card. We rejected the direct deposit because the IRS sent the money for credit to Ms. ***** and another individual who is not listed on the account. In order to protect our customers from fraud, we require the name listed on each direct deposit to match exactly with the name listed on the account. Accordingly, we immediately returned the money back to the issuer (the IRS). We are not holding her tax refund nor have we ever done so. We suggest that she contact the IRS so that she may make arrangements to receive this money. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/03/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) On February 9th I contacted a representative at Paypower/Blackhawk/Bancorp Bank. During that conversation I verified my account number/routing number associated with the prepaid visa in my name. After verifying this information, I told the representative that that I was filing my taxes with a Joint status and asked if there were going to be any problems receiving the refund since my husbands name **** be on the check in addition to my name. The representative assured me there would be no problems as long as one name matched my account with the prepaid visa. I was also informed during that call that Paypower only allowed one name associated with the prepaid visa account. If my refund was rejected due to there being two names on the check per the company's response, paypower, Bancorp, and or Blackhawk had erroneously marketed themselves as an available avenue to receive IRS refund checks, both orally and via online advertising. Furthermore, It is preposterous for blackhawk to assume all refund checks directly deposited from the IRS were filed as a single status and for their consumers to know that only single status refunds could be received per the company's policy, especially since there is no indication of this policy in there online marketing. This false advertisement has caused my family undue hardship. Final Business Response /* (4000, 13, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ***** Rebuttal Dear Ms. *****, On March 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received ********* ***** rebuttal to our response to her original complaint. We immediately returned Ms. ******* money back to the issuer (the IRS). We apologize if there was a misunderstanding, but our policies and procedures are in effect in an attempt to protect our customers and their money from fraud. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/21/2015 Problems with Product/Service | Read Complaint Details
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Complaint: The company asked for $300.00 to pay processing fees for a Federal Grant. There is no such grant to be issued to me Mr ************

Desired Settlement: Since there is no such grant I want my $300.00 back

Business Response: Initial Business Response /* (1000, 8, 2015/04/20) */ VIA BBB WEBSITE April 20, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* **** Dear Ms. *****, On April 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* **** with respect to a MoneyGram load that she made to a PayPower Prepaid Visa Card. Blackhawk is the program manager for some PayPower cards on behalf of the issuer, MetaBank. Blackhawk's affiliate, Blackhawk Network California, Inc. is the program manager for other PayPower cards on behalf of the issuer, The Bancorp Bank. Unfortunately, Ms. **** was a fraud victim, and we are unable to help her. On March 31, 2015, Ms. **** received a call from someone (a fraudster) requesting money to process a federal grant for $7,000. She was asked to send $300 via MoneyGram to a PayPower card in order to obtain the grant. She sent the money at 1:21 pm (ET). MoneyGram immediately loaded the money to the card number provided by Ms. ****. That card number was associated with an account that had been taken over by fraudsters as a result of identity theft. The fraudsters spent the money Ms. **** transferred in about an hour. It is unfortunate that Ms. **** fell victim to this fraud scheme. Nevertheless, we played no part in the fraud, and we do not have the money that Ms. **** paid to the fraudster. Accordingly, we are unable to provide a refund. We suggest that Ms. **** file a police report regarding this matter. We **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/21) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/20/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Gift cards approved December 29th 2014, January 2nd 2015, have yet to be delivered. I spoke with Damian by phone who was unaware of any relationship between his company and Bitdefender.

Desired Settlement: Immediate issuance of promised rebates and an examination of why the process took so long, including the possibility of criminal deception.

Business Response: Initial Business Response /* (1000, 8, 2015/04/06) */ VIA BBB WEBSITE April 6, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** Dear Ms. *****, On March 19, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ****** with respect to rebates he claims he was promised by BitDefender. BitDefender is a client of Blackhawk Engagement Solutions, an affiliate of Blackhawk. We apologize for any inconvenience Mr. ****** may have experienced. We have escalated this matter to our vendor manager at BitDefender to request funding. Mr. ******'s rebates should be mailed the second week of April. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/04/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) This represents a deliberate and intentional misrepresentation that may in fact be illegal. Although my situation may be "resolved" it is far from over. In my opinion, this company needs to be investigated on local, state and federal laws. These complaints may result in trusted companies searching elsewhere for this particular service. Final Business Response /* (4000, 13, 2015/04/09) */ VIA BBB WEBSITE April 9, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ****** Rebuttal Dear Ms. *****, On April 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal complaint from **** ****** with respect to our response to his original complaint. We apologize for any inconvenience Mr. ****** may have experienced. Mr. ******'s rebates **** be mailed on Friday, April 10, 2015. He should receive them in 5-7 business days. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (2000, 19, 2015/04/20) */ 4-20-15 Sent via email: I received the rebates on Friday. As to resolved, the issue of it being sent late can never be resolved. This company shows a record of this kind of behavior. Your problem resolution process does not leave any method to indicate this problem. This provides Blackhawk and subsidiaries to maintain a higher business rating than deserved.

4/17/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I misplaced my visa gift card. Told the company on 02-4-15. Was told a replacement card would be sent and arrive in 10 days. Despite dozens of phone calls and numerous excuses (at first they said it was delayed due to the post holiday season rush and finally they calls said it was delayed due to the tax season rush). It is March 13th and I still have not received my replacement card and the balance is $428.26.

Desired Settlement: I want there to be a public record of this transaction along with getting my money back

Business Response: Initial Business Response /* (1000, 9, 2015/04/01) */ VIA BBB WEBSITE April 1, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On March 17, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a Visa Gift card. Blackhawk is the program manager for this card on behalf of the issue, MetaBank. We apologize for any inconvenience Ms. ***** experienced as a result of not having her Visa Gift card to access her funds. On February 18, 2015, a replacement card was sent to Ms. ***** per her request. We sent her card via standard delivery that same day. It normally takes 7-10 business days for the card to be delivered. Ms. ***** did not receive the card we sent, so we sent a replacement via expedited shipping. On March 20, 2015, Ms. ***** received the replacement card and has since used her card to make purchases at retail locations without any further issues. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/17/2015 Problems with Product/Service | Read Complaint Details
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Complaint: $500 loss on reload card for credit card Purchased reloadit card #XXXXXXXXXX from safeway in Portland or. on jan X XXXX. load card on reloadit website jan 3 website says **** post to my account in 1 hour. no post! seems to have disappeared! been trying to get netspend to solve for 3 weeks and was promised a refund! after 3 weeks they say I need to contact Blackhawk network! so far I get nothing from them! have receipt from safeway for card purchase-have tried many times to enter card on website. says card already redeemed when I never received it!! want a refund for $ not recieved ADDITIONAL DETAILS: Case is being handled by another organization: netspend

Desired Settlement: want $500 paid for reloadit card!!!!

Business Response: Initial Business Response /* (1000, 9, 2015/03/23) */ VIA BBB WEBSITE March 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *****, On March 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** with respect to a Reloadit Pack. Blackhawk's affiliate, Blackhawk Network California, Inc. is the issuer of the Reloadit Pack. On January 29, 2015, Mr. ***** purchased a Reloadit Pack and attempted to load it to his prepaid card through our website, www.reloadit.com. Unfortunately, Mr. ***** mistakenly went to a cloned website instead. He input his Pack information on this cloned site. This enabled the fraudster to obtain the information and load it to his own account. This is the reason Mr. ***** was unable to load the funds to his card. Our customer service department has explained to Mr. ***** that he had used a fraudulent website. We explained that we are unable to provide a refund because the funds have been applied to a third party prepaid card (no doubt controlled by the fraudsters). We suggested that he file a police report, but he refused. If he does decide to file a police report in the future, we **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 11, 2015/03/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) First of all i consider myself just a regular working stiff. I have to pay the rent and bills and stay afloat to keep the family happy. $500 is a lot of money to just lose for no real reason. It doesnt make any sense to me that this company feels it can just say awww sorry you got scammed you should have been more careful of a copycat website that looked exactly like ours! Boy arent those fraudsters clever? This last statement was told to me in a phone conversation to blackhawk. Unbelievable that this company can think that it can say that they consider this matter closed! from the very start of first contact when money disapeared they seemed to know exactly what happened but made sure it was my fault. any company that cant back up its products when shown proof of absolute purchase should not be allowed to be in business in the first place! If this is as far as i get in what has been an absolute joke in trying to get my $ refunded i **** make sure i remember the name blackhawk and make sure that i try to let everyone i know not to do any kind of business with this less than ethical sort of company. after more than two and a half months i dont believe that they **** do the right thing anyway. Final Business Response /* (4000, 13, 2015/04/08) */ VIA BBB WEBSITE April 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Rebuttal Dear Ms. *****, On March 25, 2015, Blackhawk Network, Inc. ("Blackhawk") received a rebuttal complaint from **** ***** with respect to our response to his original complaint. On January 29, 2015, Mr. ***** mistakenly went to a cloned website instead of www.reloadit.com. We know this because the actual Reloadit site never tells the customer to wait two hours (or any amount of time) before their funds **** show up in their prepaid account. We know that a number of cloned sites use this "two hour waiting period" in order for fraudsters to apply the money from the Pack before the customer realizes the mistake and calls our customer service. Unfortunately, we cannot provide Mr. ***** a refund because he gave the Pack number to a criminal. We are very sorry that Mr. ***** was victimized by this fraud scheme. We have suggested that he file a police report regarding this matter. If Mr. ***** does pursue this matter with law enforcement, then we **** assist them in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Final Consumer Response /* (4200, 15, 2015/04/10) */ (The consumer indicated he/she DID NOT accept the response from the business.) Don't know what else to do with this! Just cant understand how a business can do everything in their power to just cut and run! Am sure that other people were defrauded this way. Maybe someone can bring suit against this company to have them make it right! I guess I get a $500 lesson. I **** remember Blackhawk network inc.

4/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: On February 17th I contacted paypower to notify them about a double withdraw on my paypower card same day two $500.00 withdraws were made, same location. I contacted both merchants they have no record of any transaction with my info. So they froze that card sent me another card on the 18th got it on the 25th. They sent me a dispute form which I faxed numerous times I have the fax recipients, I emailed my dispute about 15 times. I call everyday from 3/25/15 till 4/17/15 they till this day have not yet received my dispute form. As of 4/16/15 the gentleman said he was expediting my issue to another department and they would call me back no call at all. Please help the mistake was on paypower. I have 2 baby's

Desired Settlement: DesiredSettlementID: Refund The 500.00 that was withdrawn by papower I would like it back it was on my statement. I didn't authorize it.

Business Response: Initial Business Response /* (1000, 8, 2015/04/13) */ VIA BBB WEBSITE April 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ********* ********** Dear Ms. *****, On March 19, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ********* ********** with respect to unauthorized transactions on her PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. Ms. ********** disputed five transactions: four purchases (which she claimed she did not make) and one cash withdrawal (which she claimed was a duplicate). We applied a provisional credit to her account for all five transactions. Four of them have been resolved in her favor (so the provisional credit on those transactions is now permanent,), and we have notified her to that effect. We expect to resolve the remaining transaction by May 2, 2015, and **** notify her as to the result. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/16) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I loaded 4 Reloadit packs on reloadit.com and put 1,690 in a safe. The customer service rep stole $1,690 and putthe money on a unauthorized card. I purchased 4 Reloadit packs for $500, $500, $500, $190 and transferred it to the safe feature on Reloadit.com on 2/27/2015. I tried transferring the money to a prepaid debit card but when I tried to load I kept getting a messaging saying "We're expireencing technical difficulties please try again later". This happened for 4 days straight so I spoke to a rep when I called XXX-XXX-XXXX. I asked for a refund and they said they would charge me $200 for the refund or I could transfer to my bank account. I had them transfer $500 and $1190 to my bank account on Wednesday March 4th. They said it would take 48 hours. When I went on the Reloadit.com site it showed they transferred $500 and $1190 to card ending in ****. The rep I spoke with stole my money and transferred it to his prepaid card. I filed a complaint with the FBI and I'm planning to sue for $250,000 for damages for theft by this company.

Desired Settlement: I want my money back or I'm going to court for grand theft and charging the employees for theft. I want 250,000 for pain and suffering

Business Response: Initial Business Response /* (1000, 8, 2015/03/30) */ VIA BBB WEBSITE March 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On March 9, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to four Reloadit Packs. Blackhawk's affiliate, Blackhawk Network California, Inc. is the issuer of the Reloadit Pack. On February 27, 2015, Mr. ****** purchased four Reloadit Packs. On March 4, 2015, Mr. ****** visited a website that he believed to be www.reloadit.com, the official website for Reloadit. Unfortunately, Mr. ****** mistakenly went to a cloned website instead. This fraudulent website provided a fraudulent phone number. Mr. ****** called this number and was given erroneous information. He was told that he could load a prepaid card or a bank account or he could receive a refund for the cards, but would have to pay a $50 fee per card. This is not correct information (we would not say such a thing), because Packs cannot be loaded to bank accounts, and we do not charge for refunds. Mr. ****** apparently provided the Pack information to these fraudsters since the funds were loaded to a third party card that day. The funds were spent about an hour after they were loaded to this card. We have contacted the customer on several occasions regarding this matter. Our customer service department has explained to Mr. ****** that he had used a fraudulent website and phone number. We have explained that we are unable to provide a refund because the funds have been applied to a prepaid card (no doubt controlled by the fraudsters) and the funds have been spent. We suggest that Mr. ****** file a police report. We **** assist law enforcement agencies in their efforts to apprehend the perpetrators. We consider this matter closed. Please, reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/16/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Gift card was purchased Dec 23rd when i tried to use on Dec 28th card had no balance. i called c.s submitted paperwork and still waiting for refund. purchased gift card on Dec 23rd for $100 tried to use it on dec 28th was told there was only $1.25 on the card. I have been trying to get a refund for nearly 3 months. Not getting any answers only the are investigating.

Desired Settlement: I would like my refund back on my card for $100.

Business Response: Initial Business Response /* (1000, 9, 2015/03/30) */ VIA BBB WEBSITE March 30, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********* Dear Ms. *****, On March 12, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********* with respect to unauthorized charges on her Visa Gift card. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On December 30, 2014, Ms. ********* contacted customer service to begin the dispute process for three unauthorized charges on her card. We have completed our investigation and **** be contacting her shortly with the results. We consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/16/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: I purchased a $350 reloadit pack and i dont have access to my money. I purchased a $350 reloadit pack and found they recently initiated some *** "safe" system now.Well it's nice and safe - from me being able to use. I can't access my money and I can't use the funds that I put in there. I have spoken with their customer service multiple times and have been told that the issue would be resolved. It happen three times before and in every case is the same issue I still cannot access my safe! How in the world can this be legal for them to do. They have not issued any kind of email message to assure me that it is being worked on or **** be resolved.They are crooks.

Desired Settlement: I want someone to investigate this company for what they are doing this hasto be ilegal

Business Response: Initial Business Response /* (1000, 5, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ********* Dear Ms. Thomas, On April 1, 2015, "Reloadit" received a complaint from ******* ********* with respect to accessing funds applied to his safe on www.reloadit.com. "Reloadit" is actually a brand name, not a company. Blackhawk Nework California, Inc. operates this website and issues the Reloadit Pack. Mr. ********* states that he purchased a Reloadit Pack which he placed in his Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a two hour waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is a 2-4 hour card validation period for each new prepaid card that is added to the safe. Mr. ********* states in his complaint that he was unable to access his funds. On April 1, 2015, we contacted Mr. *********. At that time, he confirmed that he had successfully accessed his funds. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 7, 2015/04/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I partialy accept the response given, since my funds where available 2 hours after reloding my card as they state on their response "There is a 2-4 hour card validation period for each new prepaid card that is added to the safe" but there is not warning or note about this proceadure to be found neithere on their website or the relodit pack purchased in order to be informed about their policy and take the necesary measures

4/16/2015 Problems with Product/Service
4/16/2015 Guarantee/Warranty Issues
4/15/2015 Problems with Product/Service
4/15/2015 Problems with Product/Service | Read Complaint Details
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Complaint: On Jan 24, I was promised a refund on a reloadit card issued by this co. I called today and they said I was not getting a refund. I was scammed by someone using a reloadit card issued by Blackhawk Network. With my bank manager's help, I was able to recover $450 out of $850. One that same day in January, the bank manger and myself got on a speaker phone call with Blackhawk. The ticket number was ITR XXXXXXX. We were told that I would get a refund of $400 in 23 days. We sent all of the documents they requested. I also filed a police report on the scammers in NY. Today, I called and they said I would not get a refund because it was my own fault that I was scammed. I just want Blackhawk to follow their word and refund my $400. ADDITIONAL DETAILS: Case is being handled by another organization: Consumer Protection Agency

Desired Settlement: I lost $400 and Blackhawk's representative said that I would get a refund in 23 days.The refund never came. I want my $400 and Blackhawk to abide by its employee's word. This was witnessed by my bank manager.

Business Response: Initial Business Response /* (1000, 5, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ********** Dear Ms. *****, On April 1, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ********** with respect to two Reloadit Packs that she purchased as a result of a scam. Blackhawk's affiliate, Blackhawk Network California, Inc., is the issuer of the Reloadit Pack. Blackhawk apologizes for any inconvenience Ms. ********** may have experienced. On January 26, 2015, Ms. ********** contacted customer service to report the scam. By this time, one of the Packs had already been used. We were able to block the other Pack from use. The customer was asked to send us copies of the Packs and receipt for verification, which were received in a timely manner. We mailed Ms. **********'s refund check for $450 on April 9, 2015. She should receive it within two weeks of that date. Accordingly, we consider this matter closed. Please, reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/15) */ This complaint is now resolved. I received a check today. Thanks to the BBB. I would not have received resolution without you. ***** **********

4/15/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Card was used fraudulently and they havent refunded my money. IN December my card was used fraudulently in other state. I filed their paperwork and waited. They said it would take 45-90 days and have a provisional credit of some of the money. I waited and waited. I checked in with them a couple times ad they said I had to allow 90 days. My card was used in a store in a state I don't live in. It was obviously fraud. On Monday of this week I called to check in since its been over 90 days, after waiting half an hour on

Desired Settlement: In December my card was used in two stores in another state. I filed their paperwork and was issued a provisional credit of some of the money. I was told it would take 45-90 days to investigate. I waited and waited. I called to check in a couple times and was told to wait. Monday I called since it's clearly been 90 days now and was on hold for a half an hour total. First I was told it was settled and I got my money back. I said I hadn't and after waiting more she said there was no resolution and she didn't know why. She said I had to EMAIL a different office. The email bounced right back to me. So I filled out the contact form on their site and have still heard nothing. I refuse to deal with their customer service on the phone again. I want my money back. Waiting three money a when this seems like such a clear case of my card being used fraudulently is crazy. Now after 90 days I still have no answers and no way to get them.

Business Response: Initial Business Response /* (1000, 8, 2015/04/14) */ VIA BBB WEBSITE April 14, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******* Dear Ms. *****, On March 26, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******* with respect to unauthorized charges on her PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for these cards on behalf of the issuer, The Bancorp Bank. On December 20, 2014, Ms. ******* became aware of two unauthorized charges on her account for a total of $36.22. That same day, Ms. ******* contacted customer service to begin the dispute process. On December 22, 2014, our Disputes team received the completed documentation from Ms. *******. Both of the alleged errors have been resolved in Ms. *******' favor, and her card has been credited for $36.22. As a courtesy, we have also reversed fees on Ms. *******' account in the amount of $11.90. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network ******** Service Specialist ***** NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/15) */ (The consumer indicated he/she ACCEPTED the response from the business.) I **** accept this as closed but if they didn't give me the extra credits I wouldn't have. It would have been nice for them to reach out and accept responsibility. They never acknowledged their wrong doing. I also thing I was shorted a tiny amount because my provisional credit was $17 and change and now they gave me $18 even which doesn't add up to 36.22.

4/15/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Paypower has had my Tax Direct Deposit for over 3 weeks now and **** not release my hard earned money. I have completed every task and feel cheated. Pay Power is refusing me access to my tax refund sent by the IRS on March 4th, 2015. I filed my taxes through Turbo Tax and selected the option direct deposit to checking account. My boyfriend purchased the pay power card at our local Vons, and he activated the card under my name and home address. We were told after activating the card that a personalized card would arrive in the mail with in 7-10 business days. The IRS accepted, approved and sent my tax return to the pay power card on March 4th, 2015. I called to check the balance on March 4th and was so happy that my hard earned income tax check would be able to buy my 3 kids new clothes, and beds. I called my boyfriend and informed him that my deposit was there and after work, he attempted to withdraw funds twice from the card as the first attempt gave him an error message. After the second error message, I decided to call their 1800 and find out what the problem was. Their voice operated Custome Care rep stated to wait at least 2 days after the deposit arrived to use the card. Oh ok, no problem. So one day passed, and to be quiet honest, we were so excited at the thought of finally having some financial relief. That we attempted the very next day to withdraw funds and it said call bank. Ok we knew we should of waited, but **** call to let them know it was us and we were just a little "FUNDS HAPPY" I spoke with countless representatives trying to rectify the situation, I HAVE NEVER BEEN QUESTIONED AND DOUBTED OF MY IDENTITY BEFORE IN MY LIFE, I ANSWERED EVERY VERIFICATION THROWN AT ME CORRECTLY. These were questions that nobody but me would know. Great now we should be ok right? WRONG? Being right on every questioned asked wasn't enough. They now need me to fax in a copy of my Calif. Drivers License and Social Security Card for further verification. Ok done, so I call them back and 3 days in a row, was on hold over an hour each time, only to get call disconnected each time. Do you know how hard it is to maintain a house of children, cook food and be on hold for that amount of time? I finally spoke with agent who told me the card was blocked and required a service ticket to fix it which would take 1 to 3 days. Three days pass *** I haven't heard from them, so after another 2 phone calls and 2 hours of holding, I get a rep on the phone, only to be told the card is still blocked and I can not speak with anyone until Monday and it may be another week before they can tell me what can be done at this point. Approximately 2 weeks after my deposit has been in my account and the next excuse is Im sorry it has been elevated to our Fraud Investigator, ok no problem can I speak to him? "Well mam since its Friday, he **** call you back either Monday or Tuesday." You got to be kidding me. I feel helpless and I would like my tax refund sent to me overnight certified funds from this company or for the car to be usable immediately this is in my eyes I'm helpless and can not do anything and my funds are being held by this company -

Desired Settlement: I want my money now

Business Response: Initial Business Response /* (1000, 8, 2015/04/13) */ VIA BBB WEBSITE April 13, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *****, On March 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** 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. ***** had, but her inconvenience resulted from our attempt to protect her and her account. On March 4, 2015, Ms. ***** 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. ***** 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. ***** 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, ***** ****** Blackhawk Network Customer Service Specialist ***** NV XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/14) */ (The consumer indicated he/she ACCEPTED the response from the business.)

4/14/2015 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I have been using this company for a while now and their old system was quick and easy to use but now the company changed their site to where you have to have a account, add your prepaid cards and repack cards and the new service is just plain awful not quick and easy like they advertise. I added my card and had to wait for it to verify and hours later it still was not verified. I called customer service 3 times I called. All three times I was on hold for over 30mins. Than I tried the other number they provide and it was a SPAM number. I strongly believe this company is spamming people out of their money. No one answers the phones, There is nothing on the site explaining verification of the card or any other ways to contact if there is a issue. I use to like their service and now I absolutely hate it and I can not get my money back, can not get a hold of anyone to help with anything and the site is a ring around the rosie full of non information and service. I am very disappointed and doubt I am the only one with issues with this company now that they changed. Product_Or_Service: Reload Pack

Desired Settlement: DesiredSettlementID: Refund I would like the money I had added to the reload pack card back because at this rate this company is going I highly doubt I **** ever get it on my prepaid card. They need to answer their phones when customers call and they need to put the site back to how it originally was. NO reason for this company to have anyone's cards on file. It seems like a SPAM and should be shut down.

Business Response: Initial Business Response /* (1000, 10, 2015/03/27) */ VIA BBB WEBSITE March 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: **** ***** Dear Ms. *****, On March 13, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from **** ***** with respect to accessing funds applied to her safe on www.reloadit.com. This website is operated by Blackhawk's affiliate, Blackhawk Network California, Inc. On March 10, 2015, Ms. ***** purchased a Reloadit Pack which she placed in her Reloadit Safe via www.reloadit.com. The safe allows our Reloadit customer to store multiple Packs for future loads and is now a requirement for all Reloadit customers in an effort to safeguard our customers from fraud. For security purposes, there is a two hour waiting period from the time a Reloadit Pack is added to a safe until the customer may apply it to a prepaid card. There is a 2-4 hour card validation period for each new prepaid card that is added to the safe. On March 11, 2015, Ms. ***** created a safe and added a Reloadit Pack and prepaid card. We apologize that she was unable to access her funds immediately due to our security features that are in place to protect our customers from fraud. After the card validation period of four hours expired, Ms. ***** was able to successfully load her prepaid card. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/14/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I recently got a paypower prepaid visa card from Blackhawk Network to transfer funds from another cardholder to my account. The ONLY reason I bought a card was because they do not allow you to transfer funds into a bank account. They have since put a hold on my card. The first person I spoke to said was sent to the "fraud" department for review. That I could call back the next day to speak with them, as that department was closed for the day. I called back the following day, that person notified me that it was not sent to the "fraud" department, there was just a 1-2 business day hold because I had a card to card transfer. I waited the 2 business days and called back. This person informed me that he was making a "ticket" and that someone from "level two department" would be calling me in 3-5 business days. All the while nobody can tell me what the reason for my funds being held are. I have read several bad reviews about this company, and about them ripping people off making fraudulent claims against people in order to steal their money. Something needs to be done. I am behind on all of my bills due to this and again the only reason I even bought a card was because that is the only way you can receive large amounts of money from another card holder. Product_Or_Service: Paypower Visa Account_Number: XXXXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund 525.00 That is the amount of money that I have on my card that they are withholding from me. I can't get anyone to tell me any information as to what is going on. Nobody has returned my calls or emails.

Business Response: Initial Business Response /* (1000, 13, 2015/03/27) */ VIA BBB WEBSITE March 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ******* Dear Ms. *****, On January 13, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ******* with respect to a block on her PayPower Visa Prepaid Card account. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. Blackhawk apologizes for any inconveniences Ms. ******* experienced as a result of not being able to access her funds. On March 5, 2015, Ms. ******* transferred money from one account to another. The transfer was made from an account on which she was a secondary cardholder to an account that was in her name alone. Shortly after making the transfer online, the primary cardholder on the account from which the transfer was made called to inform us that there was an unauthorized transfer on his account. As a fraud prevention measure, a block was placed on Ms. *******'s account while this matter was investigated. On March 9, 2015, Ms.******* contacted customer service to have the block removed from her account. She was told that this matter would be escalated to our Risk Department. On March 12, 2015, we unblocked Ms. *******'s account since she was an authorized cardholder on both accounts. Ms. ******* was notified about this. As a courtesy, we have reversed fees on Ms. *******'s account for a total credit of $13.75. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/14/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: To whom it may concern, I received your PayPower card Feb. 11th 2015. Have not seen money as to yet and its March 10th 2015 I received your PayPower card Feb. 11th 2015. Activated it on Feb. XX XXXX was advised it was blocked. I have since spoken with a woman that said I was not who I said I was. I have made several calls and have on been told to email pic with my Driver License. I did that March 7th 2015. I have spoken with the IRS, Treasury Department my Lead Detective and my Police Chief. I still Have NOT Received MY money. Again i am attaching the pictures requested by your people. I just want to know where my money is and when I'm going to get it.

Desired Settlement: just want my money

Business Response: Initial Business Response /* (1000, 8, 2015/03/27) */ VIA BBB WEBSITE March 27, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ***** ***** Dear Ms. *****, On February 24, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ***** ***** with respect to a block on his PayPower Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Mr. ***** had. On February 9, 2015, Mr. ***** had an unusually large tax refund posted to his account. This caused our system to block his card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On February 18, 2015, Mr. ***** spoke with our Risk Department. They explained that they would be sending the funds back to the issuer unless we received documentation that enabled us to properly authenticate Mr. *****'s identity. On March 11, 2015, we received the requested documentation from Mr. ***** and removed the block on his account. That day, Mr. ***** was able to access his money without any further issues. As a courtesy, we reversed fees on Mr. *****'s account for a total credit of $29.45. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/14/2015 Problems with Product/Service
4/14/2015 Problems with Product/Service
4/13/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: PAYPOWER, AKA BLACKHAWK NETWORK, REFUSE TO RELEASE OUR IRS TAX REFUND. Blackhawk Network, AKA Paypower prepaid VISA debit cards, received our IRS tax refund and initially placed a hold on the direct deposit upon arrival. I called and was told to fax documentation(SS card, drivers license, utility ****) verifying my identity and tax refund and I promptly did so within 24 hours. It has now been 3 weeks they have yet to even give me a call back regarding when we can expect them to release the funds. Even if, for whatever reason, they choose not to release the deposit they should return it to IRS who **** send us a paper check. We need this money ASAP and need a simple resolution one way or the other.

Desired Settlement: Verify the documentation requested, and release the funds immediately. It has been long enough now.

Business Response: Initial Business Response /* (1000, 8, 2015/04/10) */ VIA BBB WEBSITE April 10, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On March 23, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to a PayPower Visa Prepaid Card to which he opted to have his tax refund deposited. Blackhawk is the program manager for this card on behalf of the issuer, MetaBank. On March 2, 2015, Mr. ***** had an unusually large tax refund posted to his account. This caused our system to block his card account due to suspected fraud. The refund also exceeded the maximum $10,000 limit allowed on this type of prepaid card. In order to approve an exception to this limit, multiple forms of documentation are required including a photo ID, Social Security card, and utility ****. On March 4, 2015, Mr. ***** contacted our customer service for assistance and was advised that we needed this documentation in order to remove the block on his account. As of March 27, 2015, despite Mr. *****' statement, to the contrary, we still had not received the necessary documents. We are sending the funds back to the IRS via check. We have advised Mr. ***** to contact the IRS regarding his refund. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I sent over the requested documents. This is not debatable. I have the exact date and time of the fax of all those forms. Nevertheless, the company says they've sent the refund back to IRS and I **** follow up with them at this point. What is also not debatable is I'll never use PayPower for anything again.

4/13/2015 Problems with Product/Service | Read Complaint Details
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Complaint: The **** not credit my paycheck to my account Supposedly my account was blocked by a government entity. This thieving lying company asked me a bunch of questions at 9:30 am on Friday. I was promised my money would be credited in 5 minutes. This was the second employee at their organization that said they my deposit and it would be credited after I talked with risk control. I called 2 hours later and they told me to have my company resend. My company cannot resend because the ACH was not rejected by their company. Saturday morning, yet another incompetent lying thieving employee told me to call back with the account and routing numbers and they would locate my money. I am diabetic and the stress of this incident caused me to have high blood sugar and I passed *** Saturday night. I called back Sunday with the information request and was told they would not accept that from me. Now they want the exact amount transferred and the trace number.

Desired Settlement: I want my money, an apology from the senior most officer of the company, a honest explanation of why my account was blocked. I had money go on 2 other cards this very week and no issues. I want every arrogant, lying employee that I spoke with fired and the person that blocked my account to cause this mess. I want a written and signed guarantee from their CEO and CFO explaining why I can trust them in the future and that they **** never block my account again. They need to trim the intro on t heir phone tree. It takes entirely too long to get anywhere. I guess if I had incompetent customer service people, I wouldn't want anyone to talk with them either.

Business Response: Initial Business Response /* (1000, 5, 2015/02/05) */ VIA BBB WEBSITE February 5, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On January 27, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ****** with respect to her T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. We apologize for the negative experience Ms. ****** had, but her inconvenience resulted from our attempt to protect her from fraud. On January 16, 2015, our system blocked Ms. ******'s card account due to suspected fraud. No fraud detection system is perfect, and occasionally, systems block cards where no fraud is involved. On January 22, 2015,, Ms. ****** attempted to have her wages direct deposited to her card. The transfer was rejected because the card was blocked. The next day (January 23, 2015), Ms. ****** contacted customer service to inquire about her deposit. The agent was able to verify Ms. ******'s identity and removed the block from the account. The money has been sent back to the originator. Ms. ****** should ask her employer to resubmit the direct deposit to us (or pay her by check for that payment). We **** provide her employer with any information they may need in order to reissue the payment. Accordingly, we consider this matter to be resolved. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (3000, 7, 2015/02/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I was told that a government entity had block my account. I was made to feel that someone in my family that I lived with in the past died. I also did not need this extra stress because my step father is in the final stages of Parkinson's. If this were true, the two other cards that I have money deposited to should have been affected. They were not. My employer could not resend the money because the ACH was returned as account closed. Every employee that I talked with gave me a different story. There is a serious lack of training issue with this company. Furthermore, I should be contacted personally immediately of you suspect fraud. I had 2 doctor's appointments the following Monday and not funds to pay for my visit because of this fiasco. Final Consumer Response /* (3000, 16, 2015/03/16) */ 3-10-15 They keep blocking my account. Last week was the second time in 2 months that they flagged my account for fraud stopping a desperately needed ACH My federal tax was scheduled to transfer on the 3rd and they rejected it. They sent me an incentive saying that $20 would be deposited into my account if I had my taxes transferred. I sent them an email stating against my better judgment, I would allow the taxes to go into my account. They rejected the federal on the 3rd and accepted the state on the 4th. Now I have to wait up to 10 weeks for money I really need now. This company cannot be trusted. The just block your account ***** nilly and do not inform you or explain why. I want to know what fraud issue happened this time because they did not make me call to have it released. Final Business Response /* (4000, 19, 2015/03/31) */ VIA BBB WEBSITE March 31, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ****** Dear Ms. *****, On March 16, 2015, Blackhawk Network, Inc. ("Blackhawk") received a second rebuttal response from ****** ****** with respect to her T-Mobile Visa Prepaid Card. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for this card, on behalf of the issuer, The Bancorp Bank. Ms. ****** has stated that she did not receive her IRS tax refund as a result of a block on her account. This is incorrect. Her account was not blocked. In fact, the direct deposit from the IRS was returned due to a name mismatch. The direct deposit was in the customer's last name only. It is a requirement that the first and last name listed on a direct deposit match the first and last name on the account in order for the deposit to be accepted. This deposit has been returned to the issuer. Ms. ****** should reach out to the IRS regarding this refund. We consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/9/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I asked that this account be closed as the company they are doing business with through this account is scam. They have failed to respond to my reques The company that has opened this account - Steller Technology - has proven to be a scam and has infected many people, although I do not know if they are aware. They placed an ad thru CareerBuilder and I have informed them that this is a scam employment position. Thankfully, I never received a credit card but I have noticed there are monies in it which supposedly **** be reported to the IRS; I have not received any. Thus, I have asked PayPower to close this account immediately and they have not responded to me nor have they done so.

Desired Settlement: I want this account CLOSED immediately. I do not want to be involved in any fraudulent issues with the IRS or any other organization.

Business Response: Initial Business Response /* (1000, 8, 2015/04/08) */ VIA BBB WEBSITE April 8, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ****** ***** Dear Ms. *****, On March 17, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ****** ***** with respect to an unauthorized PayPower Visa Prepaid Card that had been registered in her name. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for these cards on behalf of the issuer, The Bancorp Bank. Ms. ***** stated that she applied for a job online that turned out to be a scam. The fraudsters used an online job listing to obtain personal information from people that enabled them (the fraudsters) to open prepaid accounts. Ms. ***** stated that she did not authorize her information to be used in this manner and she never requested the account. As Ms. ***** requested, we closed the account that was registered in her name. She declined to accept a refund for any money remaining in this account. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ***** ****** Blackhawk Network Customer Service Specialist ***** ** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com Initial Consumer Rebuttal /* (2000, 10, 2015/04/09) */ (The consumer indicated he/she ACCEPTED the response from the business.) The account was finally closed per my request.

4/8/2015 Billing/Collection Issues | Read Complaint Details
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Complaint: Paypower **** not mail to P.O. box. Have for my husband. **** not locate my acct. Refuse to escalate issue over phone. Keeping my money. Mybe homeless My husband had to take PayPower to small claims court before they would acknowledge he had an account with them that held his tax refund. That took too long, and we barely made it between the time we thought we would have our money, and when PayPower called to settle out of court. They **** not locate my account with first/last name, email, even my own acct and routing number, or my address/P.O. box #. The additional money for damages was nice, but we simply cannot wait another 30 days without losing our home. I know that it all would be compensated for after another settlement, but it is late winter, and we still get snow every other week.. I would rather be able to pay my bills than go through all of that.. All I want is for my money to be transfered onto my husbands card (which they finally express-mailed to our P.O.), or for my card to be expedited to my P.O. box. I am sorry for whoever reads has to handle this case.. The poor girl from my husband's BBB complaint.. I'm sure you've heard of unresolved complaints going to court, and how that affects the CSRs who handled them.. Your job as a customer service person for an infamously dirty corporation must be draining.. Please know that however this plays out, my complaint lied with your employer, and not with you; but also know that you are my only window into said corporation, and so I must act as though you are the corporation.

Desired Settlement: I just want the money I've earned... I want to be able to keep my house.. I want to be able to feed my family... Just... find my account, send a card to my P.O. box, or let me transfer my money to my husband's card. Whichever is faster..

Business Response: Initial Business Response /* (1000, 8, 2015/03/23) */ VIA BBB WEBSITE March 23, 2015 Better Business Bureau Complaint Case: XXXXXXXX RE: ******* ***** Dear Ms. *****, On March 2, 2015, Blackhawk Network, Inc. ("Blackhawk") received a complaint from ******* ***** with respect to a PayPower Visa Prepaid Card she requested. Blackhawk's affiliate, Blackhawk Network California, Inc., is the program manager for these cards on behalf of the issuer, The Bancorp Bank. Ms. ***** claims that she requested (through TaxAct) to have her tax refund deposited to a PayPower card. Ms. ***** claims that she has not received a card because she does not receive mail at her residence. In fact; however, Ms. ***** did not receive a card because she did not pass ******** verification. Thus, an account was never opened in her name and a card was never sent. Since no account was opened for Ms. *****, no DDA number was ever issued. This means that it is impossible for Ms. ***** to have requested that her tax refund be deposited to the account that she tried to establish because making such a request requires providing a DDA number. Therefore, either Ms. ***** provided the IRS (through TaxAct) with another DDA number, or else, her refund is still with the IRS. If she provided another DDA number of an account which we manage, she should provide us with the routing and account numbers so that we may further research this matter. If not, then she should contact the IRS regarding her refund. Accordingly, we consider this matter to be closed. Please reach out to us with any further questions. Best Regards, ************ Blackhawk Network Customer Service Specialist ******** XXXXX www.BlackhawkNetwork.com ************@bhnetwork.com

4/7/2015 Problems with Product/Service | Read Complaint Details
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Complaint: They are cheating me of me money. I know i didn't get the money back because i work for the stor