Complaints

This profile includes complaints for Blackhawk Network Holdings, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Blackhawk Network Holdings, Inc.

  6220 Stoneridge Mall Rd Pleasanton, CA 94588-3260

  
• 

  Blackhawk Network Holdings, Inc.

  333 SE 2nd Ave Ste 3750 Miami, FL 33131-2210

• 

  Blackhawk Network Holdings, Inc.

  3727 N Ventura Dr Arlington Hts, IL 60004-7952

• 

  Blackhawk Network Holdings, Inc.

  700 State Highway 121 Byp Lewisville, TX 75067-8119

• 

  CardLab, Inc.

  16650 Westgrove Dr Ste 500 Addison, TX 75001

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:12/02/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a gift card from them before this and after this because I thought they would listen and that didn't happen on November 19 I bought $10apple pay gift card some reason it didn't go thought I seen it was pending at my bank so I called them thet said give it 5 working days to get back in my bank I did I notice by then my bank had paid for the gift card I called again they open a case and i get the same letter as before 1 to 2 business days so I call again and they say the order was completed so no money was given to them called ******* I did my said it was sent through and money was sent to them so I call explain again my bank says open a new case this time tell me to reply to the email with proof from my bank that they paid I did got the same letter again so I call ask to talk to a supervisor I tell him I did everthing they ask and was told the same thing it was never completed so they didn't get the money and it was the same guy that has been sending the email letter saying it's resolve I ask if he read the letter from my bank he said same thing it wasn't completed so its between me and my bank so I have proof from my bank saying they paid them I have them saying it was never completed so not their problem inthought I would try with n you first to go through my bank I have to fill out this whole statement with emails and alot of paper work fot $10 thought maybe you might be able to get results before all that thank you I have 10 emails from when I bought it toneach case open to them saying it's closed I have a letter from my bank saying the money was taken out and sent to them please help the last case number he said will have everything in it will be below

  

  Business Response

  Date: 12/12/2024

  VIA BBB WEBSITE
  
  December 12, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ****** ******
  
  Dear Aspen,
  
  On December 2, 2024, Blackhawk Networks (Blackhawk) received a complaint from ****** ****** regarding funds from a canceled order that have not been returned.
  
  Our research has shown Mr. ****** order was canceled due to fraudulent activity. Please be advised we use a multi-layered fraud-screening approach to review every consumer order it receives. This approach involves inputs from several third parties that provide specialized fraud-screening services, as well as a variety of internal procedures. The company constantly reviews and calibrates this approach with the sole goal of rejecting fraudulent orders and approving non-fraudulent orders. While we are comfortable with the accuracy of our process, we do realize that no screening process is perfect and, unfortunately, sometimes good people are impacted. Please be advised that any charges that are shown on Mr. ****** card are pending and will drop off in the timeframe that was set by the financial institution that Mr. ****** is using. We sincerely apologize for any inconvenience Mr. ****** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 12/12/2024

   
  Complaint: 22628959
  
  I am rejecting this response because:
  
  Sincerely,
  
  ****** ******

  Customer Answer

  Date: 12/13/2024

  Here it proof  from my bank that's it's not pending it was paid  11/19/24 as the letter from my bank states it was pay out almost a month ago so no way it's pending the letter gives you everything you need ill put it attachment  a copy of the letter the bank sent me to show it was paid to ******* I think is the company's letters please let me know anything else you need but I believe this screen shot of the banks letter speaks for itself thank you  ***** gaskey 

  

  Business Response

  Date: 12/16/2024

  VIA BBB WEBSITE
  
  December 16, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ****** ******
  
  Dear Aspen,
  
  On December 2, 2024, Blackhawk Networks (Blackhawk) received a complaint from ****** ****** regarding funds from a canceled order that have not been returned.
  
  Our research has shown Mr. ****** order was canceled due to fraudulent activity. Please be advised we use a multi-layered fraud-screening approach to review every consumer order it receives. This approach involves inputs from several third parties that provide specialized fraud-screening services, as well as a variety of internal procedures. The company constantly reviews and calibrates this approach with the sole goal of rejecting fraudulent orders and approving non-fraudulent orders. While we are comfortable with the accuracy of our process, we do realize that no screening process is perfect and, unfortunately, sometimes good people are impacted. Please be advised that any charges that are shown on Mr. ****** card are pending and will drop off in the timeframe that was set by the financial institution that Mr. ****** is using. We sincerely apologize for any inconvenience Mr. ****** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************
  

  Customer Answer

  Date: 12/16/2024

   
  Complaint: 22628959
  
  I am rejecting this response because:it's the same answer they have been giving me since November 19 2024 the screenshot shows my bank paid if you cannot read it please let me know I can go in and see the screen shoot but my bank says it has not been pending since November 19 it was paid the screenshot should prove this so please let me know if the screenshot is not readable
  
  Sincerely,
  
  ****** ******

  

  Business Response

  Date: 01/03/2025

  VIA BBB WEBSITE
  
  December 24, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint # ********, ****** ******
  
  Dear Aspen,
  
  On December 17, 2024, Blackhawk Networks (Blackhawk) received a rebuttal to our response to a complaint from ****** ****** regarding the funds from a canceled order that have not been returned.
  
  As mentioned in previous correspondence. Mr. ******* order was canceled due to activity that was detected on our platform; as a security precaution to protect our customers from fraudulent transactions that may occur, any order that does not pass our multi-level screening process is automatically canceled. The charges that are shown on Mr. ******* card will be removed from the pending status in the timeframe that was set by their financial institution; we cannot expedite or override this timeframe due to having no insight or influence on any financial institution Mr. ****** may have used to place the order. Mr. ****** can also begin a chargeback with his bank to open an investigation on their end. We sincerely apologize for any inconvenience Mr. ****** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 01/03/2025

   
  Complaint: 22628959
  
  I am rejecting this response because:
  They keep sending you the same letter as they did me back in October I think when it first happened it always same letter my bank has gotten involved but think it should still ****** **** on the bbb rating and still have you follow up. Because if you look at their response it same thing from day day we started this 
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:11/30/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company issues prepaid cards. I have two virtual cards for a subscription which I ended up not using. Therefore I need to use the money on the cards so it's not wasted which is $1000. I keep having various issues because the cards stop working suddenly and it is very difficult to reach anyone at the company. They take from 3-8 days to reply and honestly I have written about 50 times to them for various problems. Then the reply is written by a new agent who doesnt even solve the problem or read any messages other than the very last message. So they have no idea what is going on. If you check the trustpilot score for this company, they have a "bad" rating. 1.3/5 and probably all of the non 1 star ratings are fake. This is probably the most difficult company I have ever dealt with.

  

  Business Response

  Date: 12/16/2024

  VIA BBB WEBSITE
  
  December 16, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********* ***** *****
  
  Dear Aspen,
  
  On November 30, 2024, Blackhawk Networks (Blackhawk) received a complaint from ***** ***** regarding roadblocks with redeeming two virtual gift cards ending in 0571 and 1255.
  
  On October 20, 2024, Mr. ***** contacted us with issues regarding redeeming his gift cards as he had registered his gift cards with different addresses. Case CS14299763 was created,an email was sent to ************* to request a utility bill that showed the mailing address where Mr. ***** would like to receive the gift card and a valid photo ID that included his new mailing address. On the same date, Mr. ***** responded to advise that the card in question was not a physical card and requested for further assistance to redeem his gift card. On October 21, 2024, an email was sent to Mr. ***** informing him that we are unable to disclose the registered mailing address on file for security purposes and re-requested a photo of a utility bill that shows the mailing address where the card would be sent as well as a valid photo ID that included the new mailing address. On the same date, Mr. ***** responded to advise us that he has limited access to the requested documentation due to traveling. On the same date, Mr. ***** followed up with the mailing address. On October 22, 2024, an email was sent to Mr. ***** requesting a screenshot of the email where Mr. ***** received the virtual gift card due to limited access to the previously requested documentation, and Mr. ***** responded with the requested image on the same day. On October 23, 2024, an email was sent to ******** advising him that we would be contacting the sponsoring company of the gift card for further authorization regarding updating the mailing address. On October 28, 2024, and October 30, 2024, a follow-up email was sent to Mr. ***** advising him that we were still waiting for a response from the sponsoring company and that an answer will be provided by the end of the week. On November 4, 2024, Mr. ***** responded to our email requesting a follow-up as one of his gift cards was due to expire in December.
  
  On November 5, 2024, a resolution email was sent to Mr. ****** advising the mailing address on his gift card ending in 4045 was updated to the new address and tips were provided to Mr. ***** regarding how to redeem his gift card. On the same date, Mr. ***** responded with further questions about the second gift card ending in 8154 that was registered at a different address due to travel. On November 6, 2024, an email was sent to Mr. ***** advising him that he could continue to redeem his second gift card with the registered address. Mr. ***** was also informed about the authorization process from the sponsoring company if Mr. ***** wished to update the mailing address on his gift card ending in 8154. On the same date,Mr. ***** requested the address change for the second gift card ending in 8154.
  
  On November 7, 2024, Mr. ***** responded to case CS14299763 reporting issues with adding his gift card ending in 4045 into his ****** wallet. On November 8, 2024, an email was sent to ******** advising him that his gift card ending in 4045 was blocked due to suspected transactions being detected and a virtual replacement card would be issued to his account, along with tips and recommendations to add the virtual replacement card to his digital wallet. On the same date, Mr. ***** responded with additional questions regarding the process of adding the mailing address into his digital wallet, as well as a follow-up regarding the address change process for his other virtual gift card ending in 8154.
  
  On November 11, 2024, a resolution email was sent to Mr. ***** advising his gift cards had been unblocked and added to his MyPrepaidCenter profile. Mr. ***** was also informed that both of his gift cards has been updated to the Thailand mailing address that he had provided. On November 12, 2024, Mr. ***** responded to report issues when adding the virtual gift cards into his virtual ****** Wallet account, as well as issues with redeeming his gift cards. On November 13, 2024, a resolution email was sent to Mr. ***** informing him that his gift card ending in ********************************************* 2211 and his gift card ending in 4045 was unblocked. Mr. ***** was informed of a declined transaction on the gift card ending in 4045 as there was an attempt to use the funds towards the purchase of another gift card. On the same date, Mr. ***** responded with disagreement with our previous resolution and advised us that he attempted to redeem the gift card ending in ******************************************************************************************* 4045 so he can redeem his gift card. On November 14, 2024, Mr. ***** advised the transactions that were made on the gift card ending in 2211 did not go through as the store crew had reached out to him to complete the payment. On the same date, Mr. ***** requested an extension of the expiration date on his gift card due to the recent declines and blocks on the gift cards. On November 15, 2024, Mr. ***** requested a follow-up on his request.
  
  On November 15, 2024, an email was sent to Mr. ***** advising him that his card was blocked due to an attempt to be used at a potentially fraudulent site. We requested Mr. ****** full name and mailing address, a copy of the email that Mr. ***** received with the e-gift link, a utility bill showing Mr. ****** name and address and a valid photo ID that included Mr. ****** mailing address for validation. On the same date, Mr. ***** responded with his name, mailing address, the links of the e-gift and explanations to limited access to his utility bill. Mr. ***** also re-requested an update with the extension request for the expiration dates on his gift cards.
  On November 16, 2024, ******** reported roadblocks when using his virtual gift cards that he received.On November 18, 2024, Mr. ***** requested a follow-up on his concern.
  
  On November 19, 2024, an email was sent to Mr. ***** advising him that a virtual replacement with a total of $296.00 was issued to his email address on file. On the same date, Mr. ***** responded to the resolution email reporting issues with redeeming his gift card as he activated with his mailing address in *******. On November 20, 2024, an email was sent to Mr. ***** with tips and recommendations to redeem his virtual gift card. On the same date, Mr. ***** responded with further questions;specifically, if the gift card is eligible to be redeemed with ****** Pay in *******. On November 21, 2024, a response email was sent to Mr. ***** advising him that Vietnam is not under the list of prohibited countries regarding redemptions of the gift card, and should work with virtual wallet from ******** ***** or ******. We also recommended that Mr. ***** not use a VPN app while redeeming or activating the virtual card, as it might trigger a block during the redemption process.
  
  On November 22, 2024, an email was sent to Mr. ***** with findings about the redemption information and tips on where and how the virtual replacement can be used. On the same date, ******** responded to the resolution email with a refund request to the unsuccessful payment on November 14, 2024. On November 23, 2024, a response was sent to Mr. ***** advising him that the funds should from the unsuccessful transaction would be released back to Mr. ****** gift card account within 7 10 business days.
  
  On November 25, 2024, ******** responded to the resolution email with further questions regarding the unsuccessful payment as his previous transactions were successful with the same card. On November 26, 2024, Mr. ***** also reported further concerns with redeeming both of his virtual gift cards. On November 27 and November 28, 2024,Mr. ***** reached out for a follow-up regarding his concern. On November ******** an email was sent to Mr. ***** advising his gift card ending in 2211 had been blocked for security reasons as the gift card attempted to be redeemed at a site that was classified as a spoofed, or cloned, site. Mr. ***** was informed that his gift card ending in 2211 was unblocked, along with tips and recommendations to redeem his gift card. On the same date, Mr. ***** responded and requested to have his other gift card unblocked due to both of his gift cards having been rejected. Mr. ****** requested to have the funds from both cards consolidated
  
  On December 2, 2024, an email was sent to Mr. ***** advising him that the consolidation is not applicable for virtual or expired cards. Mr. ***** was also advised to erase the previous gift cards and add the new replacement cards one by one. On the same date, Mr. ***** responded to the resolution email with issues redeeming his gift cards as it was redeemable successfully previously. On December 3, 2024, an email was sent to Mr. ***** advising him that an escalation was made, and approval was made to consolidate the funds from both of Mr. ****** gift cards ending in 0571 and 1255 with a total of $634.10 USD. On the same date, Mr. ***** responded with confirmation to consolidate the balances on both gift cards, also with concern that he was unable to connect his virtual card to his ****** wallet due to the confusions on the registered address. On December 5, 2024, an email was sent to Mr. ***** advising him that a virtual card with a total of $634.10 USD was issued to Mr. ***** email address. Along with the tips and recommendations to activate and add his gift card to his digital wallet. On the same date, ******** requested a follow-up regarding his concern with redeeming the virtual card in his digital wallet and the address that he uses when registering the new card. Mr. ***** also advised that he was unable to connect the new consolidated card to his digital wallet. On December 6, 2024, an email was sent to Mr. ***** requesting a screenshot of the error that he was receiving, a brief explanation of the issue, the browser that Mr. ***** is using, the type of device Mr. ***** was using, and the website that Mr. ***** was visiting. On the same date, ******** responded with the requested information.
  
  On December 7, 2024, an email was sent to Mr. ***** with an offer to send a physical gift card to Mr. ***** and advising him that he would need to respond with an image of the government-issued ID and a utility bill that shows his mailing address if he preferred to receive a physical gift card. On the same date, Mr. ***** responded to declining the physical replacement option and would like to make his virtual gift card to be redeemable as his traveling to different location.On December 9, 2024, Mr. ***** requested a follow-up on his concern. On the same date, an email was sent to Mr. ***** advising him that we were continuing to work on his concern and would communicate with him with new updates or once his concern was addressed.
  
  As of December 16, 2024, our technical team is still working to resolve Mr. ****** concern regarding connecting his virtual gift card to his digital wallet. Mr. ***** will receive further updates from our technical team in Case CS14299763, and Mr. ****** may contact our **************** team at any time and reference this Case number should he feel the need to do so. We sincerely apologize for any inconvenience Mr. ***** may have experienced.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************
  

  Customer Answer

  Date: 12/16/2024

   
  Complaint: 22620851
  
  I am rejecting this response because:

  among other problems previously, the current problem has not been resolved in 3 weeks. 

  an incredible waste of time. I am truly amazed how much time this has wasted of mine.

  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 12/24/2024

  VIA BBB WEBSITE
  
  December 24, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint # ********, ***** *****
  
  Dear Aspen,
  
  On December 17, 2024, Blackhawk Networks (Blackhawk) received a rebuttal to our response to a complaint from ***** ***** regarding roadblocks with redeeming his virtual card.
  
  Our records show the cards in question have been redeemed successfully with the remaining balance of $107.78 USD as of today's date. The Terms and Conditions are available for Mr. ***** to review at any time, and we encourage and recommend that any and every cardholder review the Terms and Conditions associated with any gift card,rewards card, promotional card, or loyalty card to ensure they are able to utilize the funds associated with the card to the best of their ability within the strictures of the card network allowances including but not limited to how they may be used in concert with an app such as ****** Wallet, Apple Pay, etc. We sincerely apologize for any inconvenience Mr. ***** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 01/02/2025

   
  Complaint: 22620851
  
  I am rejecting this response because they have not solved the original problem (one of them) which is ****** wallet unlinking the card and not being able to reconnect it. As far as the purchase I was able to make. it was refunded because the seller couldn't send to me. I tried to make a new purchase today with a different seller, and guess what? The card didn't work, again. No surprise. I am doing everything correctly. It is the card and this company that is the problem and they know it:
  
  Sincerely,
  
  ***** *****

• Initial Complaint

  Date:11/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I bought a $200 gift card and the first time we went to use it, one cent was left on it, despite us not having any transactions. I called them and they asked for my zip code to verify menow how would a prepaid gift card company know my zip code?? I filed a complaint and they asked for a selfie of me holding my license. Very weird. I sent it anyway and they were like **** ****, we sent a new one to your address. Problem is, my address is right with the state but not on my license. Never dreamed theyd randomly send it to the tiny address in the selfie. I emailed again for a refund and they said send a utility bill to prove its me. Its a prepaid gift card for the love of God! Im not sending more personal info to this scammy company. I said I wanted a refund which Blackhawk says theyll do if its a scam.which is highly likelyBut theyre actually refusing a refund. Im also filing with the ****

  

  Business Response

  Date: 12/12/2024

  VIA BBB WEBSITE
  
  December 12, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint # ********* ******* ******
  
  Dear Aspen,
  
  On November 30, 2024, Blackhawk Networks (Blackhawk) received a complaint from ******* ****** regarding roadblocks with receiving disputed funds due to the replacement card being sent to an incorrect address.
  
  On November 2, 2024, ********* contacted us to report unauthorized activity on their card. Case CS14421262 was created, and on the same date, *** ****** emailed us a complete Dispute form. On November 3, 2024, an email was sent to *** ****** requesting images of the gift card in question, a selfie with the photo ID and proof of purchase receipt. On the same date, *** ****** responded with the requested information. On November 5, 2024, Case CS14421262 was closed, an email was sent to *** ****** informing her about the case closure due to a Dispute case DS0802903 that was open to assist his concern. On the same date, *** ****** responded to CS1442162 with questions about why the case was closed. On November 6, 2024, an email was sent to *** ****** with an explanation that the dispute process can take up to ***** days for resolution. On November 11, 2024, Dispute case DS0802903 was closed as the Dispute has won in *** ****** favor, and case CS14487089 was created for the replacement card that was sent to her.
  
  On November 14, *** ****** responded to Dispute case DS0802903 with questions about where the mailing address was obtained as it was no longer valid. On November 15, 2024, an email was sent to *** ****** explain to her that the mailing address was obtained from the photo ID that we previously received and requested for an image of a bill or utility statement showing *** ****** most current mailing address for an address change if preferred. *** ****** were also provided with a virtual replacement card option as an alternative to receiving another physical card. On the same date, *** ****** responded, advising that the mailing address on her ID is no longer her current mailing address; however, she did not provide the image of a utility bill that shows her current mailing address. On November ******** an email was sent to *** ****** re-requesting an image of a bill or utility statement showing her most current mailing address so we can issue the new replacement card as well as re-offered a virtual card. On the same date,*** ****** responded requesting a refund. On November 18 and November 28, 2024,an email was sent to *** ****** requesting an image of a bill or utility statement showing her most current mailing address for further validation so we can ensure she will receive her funds without any delays or issues, as well as a virtual card as an alternative. On November 28, 2024, *** ****** responded requesting the refund. On November 30, 2024, an email was sent to *** ****** requesting an image of a bill or utility statement showing her most current mailing address so we can further assist with processing an address change. On the same date,*** ****** responded requesting a refund and advised her concern would be reported to *** if no answer was received. On December 1, 2024, an email was sent to *** ****** advising her that the dispute has won in her favor and a replacement card will be issued to the mailing address on file. On the same date, ********* responded to the email stating the address on file is not her current address and requested a refund as soon as possible. On December 2, 2024, an email was sent to *** ****** re-requesting for an image of a bill or utility statement showing her most current mailing address so we can further assist with processing an address change.
  
  On December 5, 2024, a call was made, and an email was sent to *** ******* and a voicemail was left to confirm the address that she was provided with within the BBB complaint. On December 6 and December 7, 2024, we attempted to contact *** ****** to validate the mailing address that we obtained from the BBB complaint, however, we had not received a response. On December 10, 2024, a resolution email was sent to ***Maple advising a replacement gift card was issued to the mailing address that was obtained from the BBB compliant, along with the tips to keep the gift card and account secured.
  
  As of December 12, 2024, we have confirmed a replacement gift card ending in 3228 was issued to *** ****** mailing address that was obtained from the BBB complaint. We sincerely apologize for any inconvenience *** ****** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/29/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Purchased a $200 prepaid gift card on 11/24/24. Tried to register the card via phone, automated system hung up on me. Called back again same prompts same result, click. Of course funds are gone when I was able to check balance online, nearly immediately after purchase. Pathetic how little effort goes into the customer service side on something so simple as registering a card, even more disgraceful *************** allow you to represent them. The fact you have so many disputes and none get an actual resolution to those affected, makes you part guilty in these crimes. Acting irresponsibly as a business knowing these issues yet failing to do anything makes you accessories to the fraudulent activity you allow consumers to experience under your management services. You should be ashamed of yourselves, ******* should be ashamed of themselves for marketing these cards to be safe or easy, when they hired a corrupt company to manage the system. **** their license and put them out of business already, enough is enough with this scam.

  

  Business Response

  Date: 12/09/2024

  December 9, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ***** *****
  
  Dear Aspen,
  
  On November 29, 2024, Blackhawk Networks (Blackhawk) received a complaint from ***** ***** regarding unauthorized charges against a gift card.
  
  As of December 9, 2024, we have sent three emails to the email address provided within this complaint,*******************************, requesting photos of the front and back of the gift card in question so we can research this concern with no response. We invite Mr. ***** to contact our **************** team via phone so a representative can provide any insight that we may have. We sincerely apologize for any inconvenience Mr. ***** may have experienced. We sincerely apologize for any inconvenience Mr. ***** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 12/14/2024

   
  Complaint: 22617821
  
  I am rejecting this response because:
  
  This item has not been resolved whatsoever. *** sent an e-mail requesting the same information they were previously provided trying to claim failure to respond within a couple days constitutes closure to the case. Im sure a large corporation feels they can bully people with ridiculous terms but its incorrect. Nonetheless I provided the same information (photos of card, I.D., etc) for the 3rd time, and put my own terms on it, since they feel they can make up the rules as they go I thought Id reciprocate. My terms specifically state this matter will be considered closed when I get my money back. That is the accepted term. I received an e-mail this week confirming theyve received everything needed and resolution is expected within ***** days. Shocking how they can drag their feet for so long, Id expect my money will be placed in an escrow account so they are not able to take advantage of my money theyve withheld and eliminated any interest or other opportunity cost realized while I await my money being returned. They claim to use their customer service number, that number is absolutely useless, and a stall tactic they employ; if you have enough patience to wait through all the prompts you are rewarded with a hang up 3/4 the time. 1/4 may get you to a live person. If you made it this far you have a 1/3 chance of getting some sort of response or provided a different number to contact, the other time you are redirected to another group which inevitably leads to the call being disconnected and to start the process over again. Very frustrating yet effective strategy after awhile you either give up our of frustration or have things in your own life to get done. Again, *** never complained about any business but the irresponsibility and blatant disregard to customers inspired me to make sure these crooks are held accountable and hopefully put out of business. 
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 12/24/2024

  December 24, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ***** *****
  
  Dear Aspen,
  
  On November 16, 2024, Blackhawk Networks (Blackhawk) received a rebuttal to our response concerning a complaint from ***** ***** regarding unauthorized charges against a gift card.
  
  Our records show that there is currently an open Dispute Case, DS0827569, and we are currently working with the merchant associated with the unauthorize charge as was advised in our emails to Mr. ****** Our Dispute Team will update Mr. ***** at regular intervals until a resolution is reached. We sincerely apologize for any inconvenience Mr. ***** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/28/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have attempted to have a complaint of 5 stolen **** gift cards each value of $200im. I was given case numbers but each time I sent requested response request for cases the email was returned as undeliverable.CS14637432 for **** card # ******************* Exp :07/32 security code 068 CS14637447 for **** Card # ******************* Exp. 02/33 security code 064 CS14637447 for **** Card # ******************* Exp. 02/33 security code 867 CS14637455 for **** Card # ******************* Exp. 02/33 security code 327 CS14637462 for **** Card# ******************* Exp. 02/33 security code 025 I was scammed online and was sent an email from ************************** claiming to be my priest Father *** ******* at ***, ******,Fl requesting gift cards. The gift cards instead went to a scammer not Father ******** I consider the gift cards stolen since that did not go to Father ******* and would like 5 **** Gift cards be sent to me.

  

  Business Response

  Date: 12/04/2024

  December 4, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ****** ****
  
  Dear Aspen,
  
  On November 28, 2024, Blackhawk Networks (Blackhawk) received a complaint from ****** **** regarding gift cards that were purchased under false pretenses.
  
  In the case of Victim Assisted Fraud such as this, Ms. **** participated in the transaction via some form of trickery, deception or otherwise. While we empathize with Ms. **** and their situation, in these instances Blackhawk cannot be held responsible for a customer purchasing gift cards for another person, regardless of the situation behind the purchase. If Ms. **** has not already done so, any financial institution that may be associated with the method of payment used to make the purchase or purchases should also be contacted by Ms. **** to have fraud or Dispute claims opened on her behalf. Those financial institutions will be in contact with our Dispute team to request information to assist with any investigations that may be conducted. We sincerely apologize for any inconvenience Ms. **** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/27/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I purchased a $100.00 MasterCard gift card from ********** on 11/14/2024. The card is distributed and serviced by the Blackhawk Network at the address I've chosen for this complaint. I went online to register my card using their website listed on the back of the card. Once registered, it showed a $100.00 available balance. I didn't need to use the gift card until 11/25/2014. When I tried to use it for about a $6.00 purchase, the card was declined. Knowing that I hadn't used the card yet, I figured that maybe I didn't register it correctly so just paid with another card at that moment. When I got home, I went back to that same website to check the card balance and it showed around 63 left on the card. There were 3 **** transactions totaling the rest of that $100.00. I'd be happy to provide you with a list of my most recent **** transactions and I assure you that none of those transactions are under my account! Somehow somebody completely used my entire gift card. It's been in my presence the entire time and the only thing that I did was register my card on the appropriate website. I contacted the company who told me that I'd receive an email in 24 hours to be able start the process for a possible solution, but it's been a few days and still no email. I know what I want the solution to be... All I want is my $100.00 back. I can't afford to lose $100.00 and feel like it's their fault because their website isn't secure causing someone to be able to steal my money. Please help! Thanks so much, ******** ******

  

  Business Response

  Date: 12/04/2024

  December 4, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ******** ******
  
  Dear Aspen,
  
  On November 28, 2024, Blackhawk Networks (Blackhawk) received a complaint from ******** ****** regarding unauthorized charges against a MasterCard gift card.
  
  Because the charge in question is within our sixty (60) day timeframe for a dispute to be made, we invite ********* to contact our Dispute team directly by email at ******************************************** or by phone at ************** so we may attempt to recover the funds from the merchant associated with the charge by opening an investigation on her behalf. We sincerely apologize for any inconvenience Ms. ******* may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 12/09/2024

   
  Complaint: 22614990
  
  I am rejecting this response because: I have already contacted them at the office number provided in their "solution" response letter and they lied to me about someone contacting me to resolve my issue. No one responded for several days and no one has still responded to my initial call even at this point...they said it would be 24 hours for someone to respond. That is the reason that I contacted the Better Business Bureau in the first place. All I want is a refund on the $100.00 gift card that was stolen from me due to their insecure website when trying to activate the card. I feel like this is a huge scam and I'm very upset to have to fight for money that was stolen from me... Especially at Christmastime! I have already even provided them with a picture of the front and back of the gift card via email... Unless that was a scam also!
  
  Sincerely,
  
  ******** ******

  

  Business Response

  Date: 12/17/2024

  December 17, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ******** ******
  
  Dear Aspen,
  
  On December 9, 2024, Blackhawk Networks (Blackhawk) received a rebuttal to our response concerning a complaint from ******** ****** regarding unauthorized charges against a MasterCard gift card.
  
  On November 25, 2024, Case CS14644381 was opened via a phone call from Ms. ****** to address the charges in question. An email to request additional documentation went to an incorrect email address; we have addressed this with the agent who took the call to ensure situations such as this do not occur again. We encourage Ms. ****** to reach out directly to our Dispute Team via email at ******************************************** to ensure that her concern is addressed by the proper team in a more timely fashion. We sincerely apologize for any inconvenience Ms. ******* may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/27/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  To whom it may concern,I purchased $80 worth of gift card on ********** via the platform CashStar. CashStar provides services of Gift Cards on ****** in exchange of payment. Both of the transactions, CashStar declined to fulfill the service yet charging me of $80. Upon reviewing other reviews, I have come to realize that many others have been facing the same experience when CashStar has continued to charge them in the commitment of providing a service which they did not fulfill. This is a pattern of fraudulent activity. CashStar has continued to perform such activity via its advertisement of platforms like Roblox where children are most vulnerable. This dishonest behavior needs to stop. And appropriate action should be taken.

  

  Business Response

  Date: 12/09/2024

  VIA BBB WEBSITE
  
  December 9, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ***** *****
  
  Dear Aspen,
  
  On November 27, 2024, Blackhawk Networks (Blackhawk) received a complaint from ***** ***** regarding a CashStar order that was charged but not fulfilled.
  
  Our research has shown Mr.Quiahs order was canceled due to fraudulent activity. Please be advised we use a multi-layered fraud-screening approach to review every consumer order it receives. This approach involves inputs from several third parties that provide specialized fraud-screening services, as well as a variety of internal procedures. The company constantly reviews and calibrates this approach with the sole goal of rejecting fraudulent orders and approving non-fraudulent orders. While we are comfortable with the accuracy of our process, we do realize that no screening process is perfect and, unfortunately, sometimes good people are impacted. Please be advised that any charges that are shown on Mr.Quiahs card are pending and will drop off in the timeframe that was set by the financial institution that Mr. ***** is using. We sincerely apologize for any inconvenience Mr. ***** has experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

  Customer Answer

  Date: 12/09/2024

   
  Complaint: 22613014
  
  I am rejecting this response because: the statement for fraudulent activity is incorrect! The fraudulent activity is on their part because this pattern of charging people with the same prompt has been the result of almost every one of their customers experiences. Their company is reviewed at 1 star for the very same reason on ****** with over 80 customers mentioning the same pattern of message. I have attached photos for reference. Throughout the ****** search and review platforms, you can see similar experiences of customers. This remains a common issue with the company to charge people on false pretenses, hoping customers will dispute the charge with their credit card companies while they retain the initial payment.
  
  Sincerely,
  
  ***** *****

  

  Business Response

  Date: 12/20/2024

  VIA BBB WEBSITE
  
  December 20, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ***** *****
  
  Dear Aspen,
  
  On November 10, 2024, Blackhawk Networks (Blackhawk) received a rebuttal to our response to a complaint from ***** ***** regarding a CashStar order that was charged but not fulfilled.
  
  As mentioned in previous correspondence, Mx. Quiahs order was canceled due to suspected activity that was detected on our platform as a security precaution to protect our customers from fraudulent transactions that may occur. The charges that are shown on Mx.Quiahs card will be removed from the pending status in the timeframe that was set by their financial institution; we cannot expedite or override this timeframe due to having no insight or influence on any financial institution Mx.Quiah may have used to place the order. We sincerely apologize for any inconvenience Mx. Quiah may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/26/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received two gift cards as gifts and wanted to check the balance and make sure they were registered in order to protect myself against fraud. I checked the balance using the web address printed on the back of the card and got an error message, so I called the number on the card to speak to an agent about the issue. He told me that the full balance was available ($250) and confirmed the card had been registered. I attempted to use the card at a local store a few days later and it declined. I figured it was an issue with the merchant but called to ask if there was an issue, or if there was a special PIN I needed to use it. On that call, I was told that my balance was only $19.18 because a purchase had been made in another state the same day I made the call to check the balance. I was sent a replacement card in the amount of the balance and am awaiting any further action based on their dispute with the merchant where the fraudulent purchase was made. As the consumer, I took all the necessary streps to protect myself against loss or fraud and I am still out almost the entire balance. I am not sure if the customer service agent was associated with the fraud. It was apparent they were an individual working at home given I could hear children's voices in the background. This all seems very suspect and given the amount of fraud, I would think this company would offer the same protections as any financial institution. I would like to receive a payment for the amount of the gift card that was fraudulently used. Ideally, it would not be in the form of a replacement gift card because I don't trust this won't happen again.

  

  Business Response

  Date: 12/06/2024

  VIA BBB WEBSITE
  
  December 06, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, ******* *******
  
  Dear Aspen,
  
  On November 26, 2024, Blackhawk Networks (Blackhawk) received a complaint from ******* ******* regarding fraudulent charges against a ********** gift card ending in 2723.
  
  On October 27, 2024, Ms. ******* contacted us to report unauthorized activity on her gift card ending in 2723.Dispute case DS0795971 was created to assist Ms. ******** On the same date, a Dispute form and Proof of Purchase Letter was sent to Ms. ******** On the same date, a replacement gift card ending in 0018 was issued to Ms. ******* as a security precaution for the original gift card that contained a remaining balance. On October 28, 2024, Ms. ******* responded with the requested information, On November 2, 2024, an email was sent to Ms. ******* advising her dispute was working in progress, and Ms. ******* was provided with a timeframe of ***** days for resolution. On December 3, 2024, an email was sent to Ms. ******* to confirm if Ms. ******* has received the replacement gift card ending in 0018 as our record showed the replacement gift card has not yet been activated. On the same date, Ms. ******* responded with confirmation, and was still waiting for a resolution from the dispute. On December 3, 2024, an email was sent to ********** confirming the dispute for Ms. ******** gift card ending in 2723 has won in her favor.
  
  As of December 6, 2024, we have confirmed the dispute for Ms. ******* has won in her favor. The credits have applied to the replacement gift card ending in 0018 that was issued to **********, with a total of $250.00 USD on the gift card. We sincerely apologize for any inconvenience ******* may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************
  

  Customer Answer

  Date: 12/09/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:11/25/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This company has blocked my card and will not remove the block. I was informed I am unable to use my card. This company is holding my money and I can't use it. I have a case opened but I requested for a xlosure and today I am finding out they have blocked my card so I can't use it even though it is not a unauthorized case they preventing me from paying my bills that I urgently needed to pay. I Will never use these cards again because it is a tedious process to get help with anything. Case#*********

  

  Business Response

  Date: 12/09/2024

  December 9, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, Tabreeka *******
  
  Dear Aspen,
  
  On November 25, 2024, Blackhawk Networks (Blackhawk) received a complaint from Tabreeka ******* regarding a virtual Swagbucks card that has been blocked from use.
  
  On November 18, 2024, Dispute Case ********* was created to address charges against a Swagbucks MasterCard ending in 1906. An email was sent to ********************* with a Dispute Form,requesting that Ms. ******* made a good-faith effort to address the issue with the merchant prior to contacting us to address the concern in question by providing contact details with the merchant, such as the date of any contact,the name of the person they spoke to, the method of contact used, any response received from the merchant in question, a description of what was purchased,and written explanation of how the merchandise was not as described or was defective along with photo documentation. Additional information was requested as well, including a date of return if the merchandise in question was returned, the shipping company used to return the merchandise, and any tracking number provided for the return of the defective merchandise. Ms. ******* was also advised that the Dispute Form must be filled out and sent back to us so we may begin our investigation with the merchant or merchants in question within ten (10) business days, to allow thirty (30) to ninety (90) calendar days from the date we receive all required documentation for the investigation to be completed, and options on how to submit the form by email and by fax as well as an explanation why the investigation takes that long.
  
  We received the required documentation and began our investigation, only stopping on November 25, 2024,as Ms. ******* advised us by phone that she wished to close the Dispute. Our records show a replacement card ending in 1937 was sent to Ms. ******** this replacement currently has a zero balance as of today's date. We sincerely apologize for any inconvenience Ms. ******* may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************

• Initial Complaint

  Date:11/25/2024

  Type:Sales and Advertising Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Received a virtual giftcard from a settlement in the amount of $27.52. Made 2 online purchases less than $5 and made 1 purchase from Scholastic books online. Amount under $5. Yesterday I was trying to make a purchase online again twice it declined and I went in the today this morning and it declined twice. So I called and the *** told me the card is locked for suspicious activities. What is suspicious about it? Then he wanted a copy of my licenses, a utility bill and a bunch more info to unlock it. I am not giving out those information and I shouldn't have to.

  

  Business Response

  Date: 12/06/2024

  VIA BBB WEBSITE
  
  December 6, 2024
  
  Better Business Bureau
  Complaint Case: ********
  
  RE: Complaint #********, **** ***
  
  Dear Aspen,
  
  On November 25, 2024, Blackhawk Networks (Blackhawk) received a complaint from **** *** regarding with roadblocks with redeeming her gift card ending in 9257.
  
  On November 25, 2024, Ms. *** contacted us regarding issues with redeeming her gift card ending in 9257. Case CS14643201 was created. Ms. *** was informed that her gift card was blocked from suspicious activities and requires documentation for further validation. On the same date, an email was sent to Ms. *** requesting an image of the front and back of the gift card, a copy of the utility bill that includes Ms. **** name and mailing address, a valid photo ID that includes Ms. **** mailing address, as well as Ms. **** email address and phone number for validation. In which also advised Ms. *** that a replacement will be processed once the documentation is received and validated. On November 26, 2024, an email was sent to Ms. *** requested documentation for further validation. On the same date, Ms. *** responded to our email with rejection to provide the requested documentation. On the same date, an email was sent to Ms. *** explaining the reason why the documentation was required and also with assurance on how her information will be protected.On the same date, Ms. *** responded and requested for explanation on why her gift card was blocked. On November 28, 2024, an email was sent to Ms. *** with an explanation to why her gift card was blocked. On December 3, 2024, Ms. *** responded and did not provide the requested information. On December 4, 2024,an email was sent to Ms. *** requested for the documentation for validation.
  
  As of December 6, 2024, we are still waiting for Ms. **** response with the required documentation to case CS14643201. Receipt of the documentation is a mandatory step as part of the contract with the program provider to establish ownership between the registered card recipient and Ms. **** We sincerely apologize for any inconvenience Ms. *** may have experienced.
  
  With this, we consider the matter resolved.  Please, do not hesitate to reach out to us with any further questions.
  
  Best Regards,
  
  Regulatory Complaint Team
  Blackhawk Network
  **************
  ******************************