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Emerald Card Rip Off
Posted by Stacyann on 02/19/2008
RENO, NEVADA -- Do not do your taxes with HR BLOCK. I have had my taxes done for over 15 yrs and the last 3 yrs I have nothing but problems. That emerald card they can put the tax return on is fast as heel and they seem to take money off even faster. I tried to wire money off my card to someone and now I have $1500.00 in limbo. Western union decided I could not wire the money and all the funds are pending 21 days later. I'm still waiting I have spent over $26.00 trying to get this settled.

None of there customer service reps know anything I have been hung up on they have lied to me etc.... Beware of HR Block liars, cheaters, and they don't give a damn.

I'm still waiting for my money. I will never return to HR Block, I suggest the public does not either.. Maybe if we boycott them they will care about there customers.
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Posted by Principissa on 2008-02-19:
These tax loans are nothing but a scam. You pay more in interest than your original refund was worth. You're better off going to a CPA or if you cannot afford a CPA your local employment office may do them for free.
Posted by GothicSmurf on 2008-02-19:
Beat me to it Principissa. OP- would you pay your bank $29.95 (or more) when you want to make a WITHDRAWAL?

Here's the truth on them http://www.my3cents.com/showReview.cgi?id=33128
Posted by Anonymous on 2008-02-19:
I don't believe the poster was referring to a loan. The emerald card is a prepaid Mastercard. When you get taxes done at H&R Block, instead of waiting for a check, you can get your refund this way.
Posted by GothicSmurf on 2008-02-19:
It is a loan, but stated something else. Its an anticipation loan.
Posted by Anonymous on 2008-02-19:
It's my understanding and I could be wrong but the emerald card is a debit card product to allow direct deposit for those without a checking/savings account in order to avoid expensive check cashing fees.
Posted by GothicSmurf on 2008-02-19:
We're both partly right. It is a prepaid card, but anticipation loans can be put on there as well.
Posted by Suusan B. on 2008-02-19:
Everyone is right - - the Emerald Card is a pre-paid debit card that is designed for anticipation loans as well as a way to avoid check cashing fees for those without checking accounts. However, it is impossible to tell by this review what exactly happened as all they say is that Western Union won't accept it for a wire transfer and that H&R Block are liars and cheaters.
Posted by rockmom on 2008-02-27:
OMG YESSSSSS!!!! I have spen numerous hours on the telephone trying to resolve an authorization issue myself. I made a purchase at bestbuy, and due to crappy customer service in the store there, cancelled the purchase an hour later. After harrassing the customer svc people at bestbuy and finding out the credited it back, I then turned my attention to the people at HR block. They then directed that I needed to gather this laundry list of items that Best Buy had to fax to them ON COMPANY LETTERHEAD, they stressed that part several times, and then within a couple of days it would be credited back. I get the bestbuy people to do this, after another hour on the phone with them and a CASE being created. I call HR block this morning and I get some clone that sounds like a computer, I actually thought she was for a second, and she then informs me I won't see my credit until March 10th!!!! That is exactly a MONTH from the day I made the purchase. A MONTH!!!! It takes 30 seconds to remove the money from the acct, but a month to put it back!!!!! And we are only talking about dropping an auth, not even making a credit. I have been a loyal customer for 16 years, but after this experience I amy have to reconsider, or at least refuse the damned card. NEVER AGAIN, I will take my check thanks....
Posted by rockmom on 2008-02-29:
And the Hand R drama continues. These people really don't know what the hell they are doing at all. I am STILL fighting to get my lousy 149.28 returned to me, and have been on the phone all day trying to do it. I have escalated it up to the Better Business Bureau.. I am done.
Posted by tigergrl1 on 2008-05-08:
If you are getting direct deposit on your Emerald Card you will have to wait for a paper check for your stimulus payment, even though you are supposed to get them quicker with direct deposit.
This just shows you how much of a rip-off this card is. I talked to a lawyer and we are informing the IRS and filing a lawsuit against
H & R Block/Emerald Card.
Posted by jinack101st on 2009-01-22:
ok, let me clear up some things here.

First, if you want to recieve money fast from your refund while NOT paying loan fees, have the IRS Direct Deposit it in your account in 8 - 15 days. OR wait for the check to be mailed to you in approx. a month.

If you want your money faster then that you MUST take a LOAN to get it. If you take out a loan, ANY loan then there will be finance and interest charged. I will agree that the % of interest charged on these loans are high, but remember many of those applying for the "Rapid Refund" loans CANNOT GET LOANS anywhere! The bank (HSBC) that approves these loans takes a loss every year on loans that were not covered by the refund received from the IRS. WHY? Because of the number of people who LIE to the tax preparer OR who forgot information like child support owed, back taxes, missing w2... etc.

As for calling employees of H&R Block liers and cheaters, that is like saying ALL Irish are drunks or that ALL blacks are N*****s or that all priests are child molesters!!!! There may be a few who are bad, but the large majority are well trained, concerned people trying to HELP others. It is truely sad when all are condemed for the bad behavior of a few.

As for the last post from tigergrl1, I doubt that her lawsuit (IF real) will go very far as: 1. The IRS set the rules on the stimulus check being seperate. 2. H&R Block clearly notes that in the contract YOU SIGN when it comes to the LOAN you are requesting and applying for.

So in closing IF you want your money FAST, you will have to pay a price for it. If you want it ALL back, then wait the 8-15 days for the Direct Deposit or for the mailed check.

Quit blaming others for your decisions!

Thank you.
Posted by Anonymous on 2009-01-22:
Excellent rebuttal. I frequently walk by a tax-preparers office where these loans are offered. The terms and conditions of the loans is summarized in 1" high letters on his window sign offering the service. While these short term loans are not cost-efficient, there is no way the interest on them can be more than the amount of the principle amount (the refund). Well said!
Posted by melissaf on 2009-02-03:
I have been going to HRBlock for the past 5 years and have been getting the RAL loan every year. I have had the emerald card since the first year it came out and use it all year round. The fee's on this loan is not even $100 and if your impatient like me you're willing to spend that $100 to get your taxes back faster. I have never had a problem with this card at all (and once again I use it year round for all my bills). I do agree that they take a little longer on dropping like the account authorizations and such but my old bank account took about 2 weeks as well. And the reason you couldn't get your stimulus check on the emerald card is because the IRS said if you got an RAL you would have to wait for a paper check. Thats the IRS decision not HRBlock and also its good because many people throw their card away right after they have used all the money off of it. Also when you get your taxes done at the bottom page it says you can save money and wait 8-15 days for direct deposit next time. So if you hate having to give up your own money than stop getting stuff like loans and wait for it because nothing fast and quick will be for free.
Posted by Frogchile on 2009-02-06:
I was just looking Around online For Aswers and I stubbled into here. I just felt the need to respond to a few things that were said on here. We filed our taxes the first day Possible and Were told we would get it over that weekend. We understood that we were paying a Fee that was large and New that it was a BANK LOAN. The Monday After We were suppose to get our money We called and Were told that the money was just not there yet and The IRS still had it. The IRS Said they did not have it the Emerald Card did. We listened to that for another week Finally got a hold of someone that sent us to LP for the Card and They said we had not recieved our money Because our Indentity had not been veriftied. Even though they had our SSN and ID copies. But whatever they were going to send the money Back to the IRS which Would take up to 5 Days and then the IRS would cut us a check with in 8-15. Now we are Looking At a month Since our taxes were filed with What was suppose to be 1-2day Service and The IRS has no clue where our money is because the records show that the Emerald card people have the money But They swear the Money has been sent back to the IRS almost 2 Weeks Ago. So no one Knows where the money is AND no one is willing to take credit for the screw up. I understand that the Fees and The risk was mine and I will never Do that again BUT They should be held responisble for the Run around and Not handling there Business in a timely Fasion. I understand that it is not All H&R Blocks Fault that they use outside Bank Which I will leave unnamed But that Leaves they able to Say Hey We don't know anything We are just the ones that Helped you make a decsion that Affect you Whole life and We choose to leave out parts that were not beneficial to us. That does not seem like a Company that should be allowed to stay in business with out changing its ways of working.
Posted by jodayle on 2009-02-10:
Im so aggrivated about this whole H&R Block issue and the refund, the RAL blah blah..its just awful. So yes like everyone else Im waiting now 8-15 days for my refund after being lied to and false hopes by the BLOCK. SO now my question is..They have excepted my return(IRS) however it says there are prior obligations from somewhere that may delay my refund. We have called everywhere, treasury dept ect. and we dont owe antthing. What does this mean. Im so confused and dont know who to call
Posted by BokiBean on 2009-02-10:
Ouch. Prior obligations. I'd be thinking back child support or previous tax monies owed to the government. Just a guess though.
Posted by ajanew on 2012-03-13:
I have the prepaid mastercard and wondering if i get my employer to start a direct deposit how long does this take? will it beginthat week?
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H&R Block's Emerald Card is a ripoff!!!
Posted by Nocarmar on 04/02/2010
If you go to H&R Block to do your taxes, know this:

1) Most people will get turned down for a Refund Anticipation Loan(RAL), but that's just fine for H&R Block, because the refund will automatically default into a regular 8-15 day refund. Be careful, because the H&R tax representative might not tell you this. In my case, the tax rep called me the following day to say that the bank had declined my request for a RAL. (The reason was because I owed the IRS a late fee from the 2009 year.)

Since I didn't want to pay all this money ($169.64) for the regular 8-15 day refund, I told the tax rep to cancel my refund. That's when he horrified me by saying that it already had gone through. You see, when a RAL gets declined, it just means you don't have to pay the 6.95 RAL fee. Everything else stays the same, which means I've now paid $169.64 and STILL have to wait 8-15 days to get my refund. (When I was in the office the day before, he'd told me that I would have 5 days to cancel the RAL transaction, which was why I didn't sweat it. But when I tried to cancel, he told me that the 5-day rule only applies to the RAL itself, not the regular 8-10 day refund.) In other words, I was taken. Scammed.

2) When it turned into a regular refund, I was now stuck paying all this money for something that I could have done for FREE through state tax prep assistance or efiling! So my advice is to just go to turbotax.com, which is easy, faster, and best of all, cheaper (about $30) than H&R Blockhead. (Remember, unless you are getting a RAL, you won't get your taxes any sooner by going to H&R Block. The IRS doesn't care who prepared your taxes or how much you paid to have them done!)

3) Rather than direct deposit, the H&R Block tax rep offered me an Emerald Card, which was just another way for them to bleed me to death. This card was a freaking headache! Of course I asked for direct deposit, but he (the H&R tax rep) said this was how they disburse the refunds. What he didn't tell me was that H&R will charge you about $1.95 for each time you use it at an ATM, plus you will still have to pay the bank's ATM fee (and it doesn't matter if you use your own bank's ATM because you aren't using that bank's card.) Chase charged me three dollars, so I paid a total of $4.95 to withdraw the refund from the Emerald Card via ATM.

4) The contract states: "You will receive only one H&R Block Emerald Prepaid MasterCard and the Card will be in the name of the Primary taxpayer designated above." My name was clearly typed above this statement, yet the Emerald Cards all have "H&R Client" typed on them. They are all pre-stamped this way. My bank wouldn't touch it. Since I couldn't take the refund out of the card through the teller window, I had to go to the ATM machine, and pay the fees (see #3).

5) So, here's the sad rundown:

Original refund amount: $624

H&R Block fees: $133
Bank fees: $36.64
IRS late fee: $151.36
ATM fees: $3 (Chase) $1.95 (H&R Block)
Total deductions: $325.95

What I took home: $298.05

Yes, I was foolish for agreeing to pay so much for a RAL in the first place, but I was in a situation where getting that money in 1-2 days would have prevented a lot of other problems for me. But it only made me sink deeper into debt. I just want others to learn from this horrible experience. Thanks for reading!

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Posted by raven2010 on 2010-04-02:
This is actually good advise, IMHO. I don't care for the ways so many tax preparation agencies attempt to separate folks from a percentage of their refund.

We should all do it the old fashioned way: file and WAIT> No fees that way.
Posted by Anonymous on 2010-04-02:
And, unless you get it personalized, the card does not have your name on it. So, if you lost it and someone found it... they could take it to any bank and get the money off of it. Maybe not all of it because only the card holder knows the pin (or should know the pin unless they wrote it on the card somewhere) when they call the number on the back to find out how much money is on there.
Yes, those cards are bad news.
Posted by Anonymous on 2010-04-02:
H&R Block WILL give you direct deposit. I have used them for years and never had a problem. I had a problem with the IRS a few years ago and HRB stepped in and solved the problem. Since I have been using them, my refund has always been through direct deposit.
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Incompetant Morons
Posted by Avenger311 on 03/06/2006
MERCERSBURG, PENNSYLVANIA -- H & R Block - Mercersburg, PA. 17236

I decided to file my Federal taxes with H & R Block this year (2006) in order to get a rapid refund. I went to their local branch on February 3rd, 2006. I dropped off the paperwork, and told them I wanted to file "Rapid Refund". I was told that it would be a week or more before they could get to them, but they said "leave the paperwork, and as soon as we can, we'll do it and give you a call. On February 9th they called me, and I came into the office to sign everything. I was to get $465 back. The fee was to be $75 for the paperwork preparation and $29 if I wanted direct deposit of the refund, the amount of the refund would be about $360. I told them that I did not want to have the funds direct deposited, just have the check sent to the office and I would pick it up.

By March the 3rd I had not heard anything from them. I went on-line to IRS.gov and looked up the status of my refund. It said that the funds had been direct deposited on February 24th, and that the amount deposited was only $70. I did some quick math, and realized that the IRS had withheld an amount that I had previously owed, and that the net remainder was $70. I immediately called the Block office and spoke with the manager. I explained to him that it had been over a month since I filled for a "Rapid Refund", and had not heard anything from them, and that the IRS says my refund had already been "deposited". I told him that I had never provided a routing number for any deposit, so how did they direct deposit it, and where was my money? He said that by "deposited", that meant it had been deposited in THEIR account, and that I was responsible for the fee ($29), and that rather than receiving a refund of $70, I actually owed THEM $45! I told him that first of all, I was verbally told by two of the preparers that had worked on my taxes, that since it had taken soooo long for them to do my paperwork (was just a standard return), that there would ONLY be a $25 charge for everything.

I told this to the manager, and he basically called me a liar, since he "knows" his employees would never have told me that. My wife and I had BOTH heard the same thing from both preparers! I asked him how he could possibly be charging me $75 for a "Rapid Refund" also, when it took over a month to get a resolution from the IRS, and then had never bothered to call me? This is HARDLY RAPID!!! He got very nasty with me, and said "Sir, we WILL bill you for this $45, and you WILL pay it. You are wrong and WE are right".

I told him that I would NEVER, EVER do business with ANY H & R Block office again, if this is any example of how screwed up an organization can be!!!!!!!

So much for H & R Blocks "Complete Customer Satisfaction Guarantee"!!!!
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Posted by squeekie on 2006-03-06:
Can I make a suggestion? Next year do yourself a favor and get the taxcut program. You can't mess it up. It is all explained step by step and tells you what you can and cannot deduct. and does all the math for you. all you do is type in the info. it cost around 20.00-30.00 for the basic and around another 20 for the state (if you need it) and e file is $12.95 and $15 each for state and federal for direct deposit. Its quick its easy and you don't deal with anyone else doing your taxes. I also file for everyone in my family.
Posted by squeekie on 2006-03-06:
Hi JayD I did my taxes with tax cut on a saturday afternoon and had my state refund sitting in my account on wed morning. and state took a week and a half. sweet deal IMO. and I agree you will get more back because I don't thin H&R will sit and make sure you get all your deductions. There are so many things I never knew you could deduct until I started doing the taxes myself 4 years ago.
Posted by ejack053824 on 2006-03-06:
H&R Block has and always will suck!
Posted by yoke on 2006-03-06:
How is this HR Block's fault? You dropped off your taxes and you were told when they got to them they would let you know (most people call and make appointments). They did them and filed them. You knew that you owed the IRS and never bothered to tell them. Had you told them that they probably would had informed you it may take longer for a refund, if you are due one. It was the IRS that held up your Rapid Refund, not HR Block. Once HR Block e files your return the IRS looks them over for errors and money owed from the past (like you did). Once that is cleared then the money gets sent to HR Block or to your bank account (if requested). You owe the money to HR block, so pay them. In the future I would recommend doing your taxes on line. You do get alot more back and it is much faster. I got my state back in 4 days and my federal in 8.
Posted by cjs9473 on 2006-03-07:
Taxact.com is free! Download from the internet, do the easy step by step, and you're done! It is so simple, I even did my in-laws taxes, and the own a farm and have depreciation and all that stuff. And if your adjusted gross income is less than $50,000, you can file online for free (I think it's $7.95 if it's over $50,000).
Posted by dsmith68 on 2006-03-07:
I can't believe anyone uses H&R Block.
Posted by moonie on 2006-11-23:
BEWARE OF TURBO TAX!!!!! I did my income taxes through turbo tax last year and am STILL getting nasty letters from the Michigan Dept. of Treasury. I owed $135, and paid by check--giving Turbo my check routing number, etc. It is now November, and the state still doesn't have my money. Everytime I complain to Turbo, I get someone from EGYPT whom I can't understand and they can't understand me. With interest and penalties, I now owe over $200 while everyone is trying to fix this MESS. $200 may not seem a lot to people who pay thousands, but it's the frustration and the principal of the whole thing that gets me. I'll NEVER use Turbo again.
Posted by cbso on 2007-12-05:
H&R Block has now bought out EXPRESSTAX headquarted in Jacksonville FL. Cash checking places that offer to do your taxes will be done through H&R Block and if done wrong you have a number to call (800) but they don't say that it is H&R Block but tell you to have H&R Block to take a "SECOND LOOK" at your taxes. New way of screwing the public
Posted by MrsParks on 2008-01-19:
Any time you owe the IRS, look in the mirror to find the person responsible for all your tax trouble. When you applied for Rapid Refund, you applied for a LOAN, dude. A loan that had to be paid. When that amount was not available from your refund, it became your responsibility. Suck it up and pay like a big boy, and stop whining that it's not your fault. Otherwise you get the bonus of an unpaid loan on your credit history and rightfully so.
Posted by cbso on 2008-01-19:
Peace of Mind hotline 1-866-314-8270
NOW go and get YOUR Peace of Mind!
Don't forget...the "NEW & IMPROVED" H&R Block's tax professionals don't know anything about taxes...they have to keep getting up from their chair and ask someone how to put in a W-2 in the COMPUTER!!
Posted by cbso on 2008-01-19:
Oh! forgot to tell you that if you go for their "EMERALD" card you will be paying an annual fee (even if you have a abalnce or directly deposit into it) and of course don't forget the 36% interest. Take it if you want but don't go calling their 800 number when your CHECK has not been loaded onto your card because they loaded onto theirs or someone elses card...what LOSERS!!!!!!!!!
Posted by BigginPond on 2009-04-17:
Amen CBSO!

I was in their office yesterday trying to fix my 07 return. A man walks in to pick up his return after he was lured into the Piece of Mind ruse. They could not locate his return in their office. And the young lady he gave his return to last week...she's done because the office is closing (end of tax season) and she left the country for vacation. Probably headed back to Cuba.
Posted by dwevans1957@yahoo.com on 2011-06-19:
I have been going to H&R block for years, and after hurricane IKE, and a lost of get amount, I was told to come back every year year and they would help write off my loss, and now I walk in, and the person is so dumb that she can't what has been done... Then after I agree and take a refund. I then go back and pay $90.00 to have it done incomplete and it was return to me from the IRS.... What gives to this... I screw up like this I would be out job hunting... And they feel it is OK to just take off loose time at work, that means money, take time away from things I like, and sit in there office, H
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Insane Tax Preparation/Rip Off of Charges
Posted by Becks7 on 01/28/2008
DANIA, FLORIDA -- What a nightmare!!!!!! My husband had applied for HR Block's pre loan Emerald Card about three weeks ago. Was approved and minus their fees received an advance on this debit card. Fast forward to last Thursday and the nightmare of tax filing begun. First, the tax preparer couldn't get the computer to cooperate. Then onto the rest of the process..took us an hour for a simple filing. Now we come to the part of subtracting the 1st Emerald Card. Oops, computer can't do it, no one can find this card operational. We also at this time have NO clue where the $30 withholding charge was to add back onto to this original card. Now the employees, yes we had three at this point trying to figure out the whole mess..gave us another card and said when the tax return is on the new card call them and tell them to deduct the original loan from the first card. We paid the $$$ to get the 1-2 day RAL and don'tcha just figure our tax return isn't on the card to this date..now 4 days and over 20 calls to both that incompetent Block office and their tax preparers to the Emerald Green Card services and BEWARE!

ALL calls to customer service for the Emerald Card cost you $2 a call guys--$2 a call for you to figure out their mistake. We've been told "computer glitch" to "bank error"..etc. This is the explanation for taking the pre-loan out of our taxes twice. They (whoever they are) deposited our refund money minus the original pre-loan amount and then turned around and made an "adjustment" minus of the same pre-loan amount. So in essence they debited our first loan out twice and we now have a whopping $20 of a tax refund thanks to the competent tax people of HR Block. Tonight we are still waiting for a regional manager to call back regarding some discount/refund of the 1-2 day charges that my husband has demanded. We WANT some money back--no 1-2 days, then give us the difference!!

Ha..watch how long this will take. We have been filing our taxes with HR Block for over 25+ years, this will surely be our absolute last!!!!!!! Their computers don't know what their doing, their tax preparers don't know what their doing, their main office's don't know what their doing and neither does their Emerald bank! We are incensed that we, as loyal customers have been treated in this manner.
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Posted by GothicSmurf on 2008-01-28:
Tax refund loans are at about the going rate of 222% interest! Why anyone would want to do that is beyond me.
Posted by spiderman2 on 2008-01-28:
Me neither! I have a CPA do my taxes, send them in a get a refund within a few weeks. It pays to do it that way. This sound like nothing more than one of those payday loans.
Posted by FoggyOne on 2008-01-29:
I think most 'walk-in' tax preparation service have these very high interest loans. Generally, the people who can least afford it take the loans with little risk to the company because the company can see how much the customer's refund is going to be. Unless one is desperate for cash, this type of loan should never be taken.
Posted by crystal26241 on 2009-02-10:
I have filed my tax return for years at hr block always got the ral refund files my taxes on feb 2 it is now the 10th no refund when they told me it would be there the next day charged me almost 300 dollars for my refund next day now they are saying it is a rac refund could take 2 to 3 weeks to get it all those charges when i could have just sent it in and got it back in 2 to 3 weeks with out the 300 charges i'll never file there again just to let you all know befor hand befor you file at hr block
Posted by HRB on 2010-09-15:
First, let me say that I work for H&R Block and I want to apologize regarding the issues you have experienced. My first piece of advice would be , if this has not already been resolved, talk to the District Manager for that office. They can definitely help you. If you were not approved for the RAL, or Refund Anticipation Loan that you applied for thru HSBC, you will not pay ANY finance charges. As for some follow up posts, although some companies may charge 222% for a RAL, you should do your homework on us as our negotiated rate with HSBC, the bank that funds the loan is 36% APR. As to risk, HSBC takes the risk on these loans, not the company and I can tell you there is risk. Just because we calculate a $5000 refund, it does not mean that the client will not have his refund held for student loan debt, back child support etc. There are MANY returns we do not get paid for because the IRS keeps the entire refund; that is our (HR Block's) risk. To Crystal, if you did not get approved for the loan, again, you were not charged any finance charges. If the $300 you are referring to are the fees you paid Block to prepare and efile your tax return, those fees would apply whether you paid up front and got DD into your checking account, etc. Those are tax preparation fees and have nothing to do with how you wish to receive your refund. Someone said to never take the instant or 1-2 day money. That may be the absolute best decision for most but not necessarily all. I tell clients that the cheapest way to do it using our prep service is to pay us immediately when we efile your return and wait 8-15 days for your refund to be Direct Deposited into your account by the IRS. Many customers can not pay our fees up front and choose to have them witheld from their refund. That is THEIR choice and they have to pay HSBC a $29.95 fee if they choose that option. Finally, my best advice is READ what you sign including your loan application. You filled it out, so how could you not know that like any other loan, be it house, car, etc you may not be approved? It says so in the paperwork that far too many people choose NOT to read. ASK QUESTIONS before your return is filed no matter where you go. You are NOT obligated to pay us if you are unhappy with how you are treated or unhappy with ANY part of the service provided you. Before we efile your return, we ask if you are happy with the service provided and do you want us to file your return. If the answer is no, tell your tax pro what is wrong, see the Office Leader, or pick up your papers and leave and we will not file your return or charge you. It is that simple.
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Rudeness while filing Taxes
Posted by Audi on 01/14/2010
WARNER ROBINS, GEORGIA -- While filing taxes at H & R Block I had the worst experience ever! The lady helping me file my taxes told me that I did not make enough to take care of me and my daughter! She also told me that DFACS would get involved if I filed with out including her father. Well we are not married so can't claim him. and I really don't believe that she has a right to tell me that DFACS will get involved if I file my taxes this year. Can anyone tell me why someone would tell me that? I manage my money just fine for me and my daughter to live comfortably! Then when I got home they call me to tell me that they forgot to get me to sign one of the papers for them to be able to process my taxes! So then I had to go back up there and when I got there they asked if I get help from the state..

I tell them yes and they were like "Well DFACS might still get involved and you might get audited this year"!
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Posted by Anonymous on 2010-01-14:
Buy turbo-tax or another computer program for your taxes. It will ask you the right questions and you don't have to deal with ignorant people. It will be cheaper for you as well.
Posted by Anonymous on 2010-01-14:
Tax Act.com is fabulous and cheap. H & R Block, which I used once, never got me the refund doing it myself with TA has. The person commenting on a customer's personal life is unprofessional and should be reported.
Posted by Anonymous on 2010-01-14:
Ditto with all the other comments thus far.
Posted by Anonymous on 2010-01-15:
The agent asked if you got state funds because ALL income must be claimed. These questions are on the self tax software too.

Other than that, her comments about DCFS were uncalled for.
Posted by goduke on 2010-01-15:
I've used Tax Act for several years. Has worked well so far.
Posted by Anonymous on 2010-01-15:
LadyScot, Your statement is factually incorrect.
Posted by Anonymous on 2010-01-15:
Stew in what way? I have sat through the HR Block tax questions for about 12 years. They always ask about income. "Do you have anymore W2s or 1099s, other income to declare? Social Security, Pension, AFDC, Widow's Pension, IRA Disbursements blah blah blah"

It is not an invasive question. We have been through having our return audited and having HR Block pay penalties on our behalf for errors. It is a frightening experience and the IRS are not nice people.

If they ask my blood type and DNA sequence I would hand it over.
Posted by krissykay on 2010-01-16:
Because we as tax preparers can be fined and penalized if not all documention of income whether it is taxable or not taxable is not disclosed and you did not provide more that 50 percent of the childs support. If you did not than you have no right to file head of household. These are new laws we are required to abide by this year.
Posted by Anonymous on 2010-01-17:
krissy, don't sweat it. We Wally cashiers get blamed for everything from pricing to stoking to being out of something to the state requiring ID on beer and smokes to the rain and cold etc. It comes with the job. :)
Posted by audi on 2010-01-19:
thanks for all the comments. i went somewhere else and i also got intouch with her distract mng and they are talking care of it for me!
Posted by NotAGoodLook on 2010-01-26:
H&R block are just idiots trying to take your money for something you can do for free. IT IS NONE of her business how you take care of your child & child welfare would get involved only if H&R Block called. Then you could sue them for making a false claim. Too many busy bodies. Skip the idiots next year, and use one of the free sites online through www.irs.gov. You probably live in Texas!
Posted by momsey on 2010-01-26:
Ditto sherdy. Go to taxact.com. It's really not that hard to do your own taxes, and forgive me for assuming so, but I'm guessing your tax situation is not complicated. I have always done my own taxes and I pay the few bucks it costs me to file them through taxact.

Posted by Anonymous on 2010-01-26:
Posted by Anonymous on 2010-01-26:
I file long. I have two cats, which I can't claim. I have a house (deduct the interest on the mortage). I bought a new car in 2009 (deduct the sales tax this year only). I have a lot of school related deductions, both getting more education and paying for stuff in my class. TA walks me through each thing. There was one weird deduction called Make Work Pay. I think I get it. I'm still investigating it. TaxAct added it to my deductions, but then asked if I got some Railroad rebate in 2009. I didn't. Does anyone know anything about this before I send my taxes in.
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Emerald Advance Card - Advance? Right!
Posted by Norefundhere on 02/12/2009
DULUTH, MINNESOTA -- I applied on January 24, 2009 for my refund from my federal return by using H&R Block's TaxCut software on their website. My return was accepted the same day and I set it up to deposit my refund on to my Emerald Advance Master Card through H&R Block. I typed in the routing number and account number and it should have taken 15 days at the most to get the refund back.

The IRS said they deposited the amount on February 6th, 2009. I called H&R Block Emerald Advance Card Member Services several times and I was told twenty different stories, minding you, you have to pay $2.00 each time you TALK to customer service! The charges were wracking up without any reasonable answer given to me. One representative got an attitude with me when I asked for help, stating, "How do you know your refund was supposed to be deposited by now?" Did I mention I waited until the LAST day the refund should have been applied before calling?

I had their customer service, which sounded like it had been out sourced to India, tell me that a.) you never filed your return, b.) oh you did file your return but we're doing 'maintenance' on all of our cards so your return will be deposited in another five days or so, c.)you have to call H&R Block's main phone number (to which those customer service agents said the people I was speaking with were supposed to handle it), d.) you have to call the H&R Block TAxCut software people, e.) you have to call HSBC Bank which handles all refunds (turns out they only handle refunds where you got an ADVANCE from H&R Block which wasn't what I had done and um, I had already told the representative at Emerald Card this information, g.) call this person, call that person.

I spent FOUR hours after a full day of work calling and paying $2.00 each new call trying to get answers and find out where my refund was.

Needless to say, my refund is now going to be mailed to me because they were missing the last two digits of the account number for the deposit. Um, yeah the rest of the account number was right and they have my returned money but they just won't deposit it to my account, I have to wait another 10 business days to get a check in the mail from H&R Block. They won't even return the funds that are SITTING THERE to the IRS.

I'd suggest going to TurboTax which I had done a few years ago and never had problems with, H&R Block's stupid customer service stinks.
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Posted by madconsumer on 2009-02-12:
i had my refund go straight into my bank account, it was free. i had my refund in 10 days.
Posted by equinox69 on 2009-02-14:
Yeah the Emerald Card customer service SUCKS!! I don't recommend having an emerald card unless you know how it all works. As far as what you mentioned, there's no excuse for them giving the incorrect excuses they did but the fact is the problem that actually occured was YOUR FAULT because you didn't put your own correct account number in. THAT's what caused their delay getting your money to you...why would you think otherwise. Just be careful if you ever do any kind of direct deposit form for yourself or triple check if someone else is doing it for you. A single wrong keystroke can cost!
Posted by sophia on 2012-02-17:
I have same problem in 2012. My irs refund was sent to emerald card
Posted by Brad on 2014-02-14:
It says year round line of credit. I had $490 that i borrowed. I paid back $617 before the due date when i did my income tax. I looked on my card now and my line of credit is $0.00 now. I was told when i got the advance that when i paid my loan off that I would be able to still have that line of credit. I dont. It was a one time loan. Unless maybe if i didnt take it to a zero balance it might have gave me a credit amount that i could borrow, but i doubt it. Should i waste my time calling and asking why i dont have a line of credit after i just paid it off?
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Posted by Klacy on 04/04/2014
ONLINE SERVICES, OHIO -- Tried to file online with HR Block....I'm retired but wasn't sure if I still needed to file . My state has a school district double tax ( double because they tax the crap out of us on real estate taxes for schools ) . I selected the free version that only cost 30 dollars and when finished I was told that I had to print and mail the forms to file ..Well, that's why I went there to begin with because I can't print the forms . They didn't even address the school tax issue in Ohio. I'm not even sure what I paid for ..HR Block did basically nothing for that 30 bucks . Now I have to try another way of doing my taxes. Stay away from these money grubbers. They're are many tax firms that will complete and file your returns easily and quickly online ..Too bad I chose the worst one.
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Black Men Need Not Apply as Office Managers at H & R Block - Houston - District 6
Posted by Never_Another_Maytag on 05/11/2012
HOUSTON, TEXAS -- H & R Block (Houston, TX - District 6) has made a concerted effort to remove all black males from Office Manager positions through a series of conspiracies, petitions from non-black tax preparers and hostile working environments created by District 6 and Regional Managers - Region 53.

In some cases the same person working different locations launched an attack against a black male, and then the wimped managers, fearing an interruption of business, either fires, removes or lays-off the black manager. Some black managers are filing lawsuits while others simply wash their hands of the company not wishing to pile up legal bills.

When next you consider a tax preparation company in Houston -District 6, be aware of the hostile work environment for black males and no longer wonder why you do not see any in leadership positions.
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Posted by Inat on 2012-05-12:
you're asking us to boycott a company with no information, background, or proof. Tell us a little more.
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Tax Preparer made a mistake on my 2010 Tax Returns
Posted by Robertritajones on 04/15/2012
CALIFORNIA -- Tax preparer at the Fremont office on Mowry ave made a mistake on my 2010 federal and state tax returns she filed me as married and filing joint and I am single. She had put Robert Jones on my tax returns. I received some forms and a letter from the IRS on December 19th 2011 stating (why are you getting this notice?) and you must return the response form by January 18th 2012. This notice stated that I owed the IRS 801.00 for not reporting this extra income on my taxes for the year 2010. I then had to fill out the response form which read check only one of three options. than go to step B check the applicable payment options. So I picked option 3 I like to request a payment plan to pay the tax I owed and fill out the installment agreement request and enter the amount you can pay each month and mail it back before January 19th 2012. I made an appt with the person who did my taxes in 2010, I then informed her that she made a mistake on my 2010 tax returns and told her I now owe the IRS 801.OO. I than gave her all the letters that I've been receiving from the IRS she liked them over than she said to me all we have to do is file a amendment which I did and after she was done she said to me now you owe to federal is 1,467.00 and to state 130.00 I told her I owe them nothing your the one who made the mistake I should not have to owe the IRS any money. Going back to the amendment she had typed in that the taxpayer made a mistake and filed married and joint and wants to change to single. I told her that is a lie I made an appt with you today to let you know about the mistake she made than she deleted that and typed in that the tax preparer made a mistake filed married and filing joint. than she looked at me and said is that better in a very mean tone. She did not want to type that she had made the mistake. And than for her to (TYPE) lie and blame me for her mistake is unacceptable. I need to know how H & R BLOCK is going to resolve this matter of paying the IRS. Please get back to me asap.
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Posted by trmn8r on 2012-04-15:
You are responsible when the preparer makes a mistake, otherwise I don't think any preparers would be in business. They would have to have insurance that covered the losses, and then the insurance company would go out of business.

You owe the taxes, since you had the income. What you risk losing is any penalties.
Posted by raven2010 on 2012-04-15:
The tax preparer CAN be held liable for any penalty and interest you owe due to their mistake. You would be responsible for any tax due.

That said, you have to prove the preparers mistake was reckless or knowingly made the error. Most of this stuff comes down to simple human error.

Even if you give a tax preparer a POA to sign for you, always, always, always review the return carefully before it is submitted.
Posted by trmn8r on 2012-04-15:
I do my own taxes, so I don't know how it works. I would assume that as raven said the taxpayer would review it, and be able to catch an error like "married/joint return" when it should be "single".
Posted by Nohandle on 2012-04-15:
TRM is correct. I sign a form each year with my CPA verifying I have reviewed my returns and they are accurate. I am also given a form from the CPA with the now standard disclosure that the returns are based on the information provided them. The firm I use is very competent and quite frankly I think they all require this now.

What I think here is total incompetence. Do they have no one to verify the numbers punched in? Or the filing status? I personally could complete almost anyone's tax returns but since I don’t do my own, why would I attempt to do someone elses? We receive a number of complaints about H&R Block. Some will state they are cheap. No they are not. And I would not trust them to represent me if my return was audited.

Thanks for the reminder.
Posted by madconsumer on 2012-04-15:
this does not surprise me. i knew a guy who worked for h&r block, and he would make up deductions for clients. he also stated they would find every reason to NOT defend their clients in front of the irs.

hopefully you are able to get this corrected.

very helpful review.
Posted by oldisgood on 2012-04-15:
I used a tax preparer one year and was audited and had to pay more. Now I use Turbo Tax and have absolutely no problems and I have not received any letters from the IRS. Turbo Tax is great. I have dividends, interest and have sold stock and mutual funds. It walks you right through. This year I Have Merrill Lynch as my broker and by just choosing the Merrill Lynch option all my financial info was put into TT and in the right places. I had nothing to do except check it over, which, of course I did. I did not trust that it was accurate, but it was. And the best part is that TT only costs less than $60 which is a lot cheaper than HR Block for Jackson-Hewitt.
Posted by trmn8r on 2012-04-15:
That's funny, oldisgood. My mom's accountant royally messed up one year, and she asked herself "why am I paying an incompetant boob?" I helped mom through an IRS meeting to dipute *their* version of corrections needed, and ultimately took over my mom's taxes. The accountant had made some really stupid mistakes. It depends how complicated your individual situation is, as to whether you need a really good accountant to find creative ways to avoid taxes.
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H&R Block Scam me!!!
Posted by Tonygettz on 02/22/2012
LOS ANGELES, CONNECTICUT -- I got aproved for a $1000 dollar loan, out of that you pay a service charge plus the first installment. I got the Scam Card in DEC 20 2011. I did't try to use it until 2/22/2012 when I was notified that the card is no longer valid that I was suppose to had used it before Feb 15, I'm like WTF!!!

I was never told that!!! Now when I do my taxes I owe H&R Block $115 when I do my taxes. I paid $115 for a 3 month loan for the money I never used!!
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Posted by Alain on 2012-02-23:
You're right. Using a tax preparation company for loans or credit cards is not a good idea.
Posted by tnchuck100 on 2012-02-23:
People who use these tax refund loans are typically in financial trouble to begin with. This only makes their situation worse. I don't think most are even aware how expensive these "instant refunds" (LOANS) are.

They prey on those who do not understand what is happening.

However in this case I am sure somewhere in the documentation the conditions were given.

EDUCATION is what you get when you read the fine print.
EXPERIENCE is what you get when you don't.
Posted by nikalseyn on 2012-02-23:
Bottom line: you snooze, you lose. I suspect your failed to read thru the conditions. Also, never, ever fall prey to these loan scams. If you want your tax refund quickly and cheaply, go online to turbotax.com and prepare and e-file your federal return for free. Why in the world would anyone pay to have a tax return prepared for them??? They are NOT that difficult for almost everyone nowadays.
Posted by Nohandle on 2012-02-23:
Some individuals honestly don't know how to complete the form so they will use a tax service. There is a difference in that and wanting money upfront from the preparer. Many are, as Chuck stated, in financial difficulty but there are always some who want that money right now to go spend on whatever strikes their fancy at the moment. No matter the fee, they want it right then.
Posted by Churro on 2012-02-23:
So true Nohandle. I haven't in the last few years but for many years I volunteered to do taxes for military members and their families. Pretty much all that involved was punching numbers into a software program and in almost every case it was of the 1040EZ complexity.

I'd say well over 90% of the people who use H&R block have the skills to do their own taxes but out of fear or the desire for a rapid refund refuse to do it.

I'd volunteer to do your taxes but I don't have a ten digit calculator. Now buy me something pretty.
Posted by tnchuck100 on 2012-02-23:
Churro, will ya do mine? You will only need to remove your shoes!
Posted by Churro on 2012-02-23:
Chuck, I would but seeing as you're a four star member you deserve only the best. Mario or Lexo which one of you 1040 hotdogs is going to step to the plate on Chuck's tax return.

Posted by DebtorBasher on 2012-02-23:
I forgot which one it is, but one of those tax software like TurboTax and TaxCut is actually an H&R Block product.
Posted by Old Timer on 2012-02-23:
DB, which one is the best one to use?
Posted by DebtorBasher on 2012-02-23:
I liked TurboTax. But last year I used TaxHawk and liked it better than all the others.
Posted by Churro on 2012-02-23:
If I recall correctly TaxHawk was A Churro recommendation.
Posted by DebtorBasher on 2012-02-23:
No, Churro just joined here in May, I had my taxes filed months before that...must have been someone else.
Posted by Churro on 2012-02-23:
I don't much care for it when you tell me 'no', Basher.
Posted by DebtorBasher on 2012-02-23:
You should be used to it by now, Churro.
Posted by lexophiliac on 2012-02-23:
Lol. Chuck wouldn't want me to touch his taxes. My fanciful figuring would garner a nice long vacation in a large institution in a very small room with a lousy view and no room service.
Posted by clutzycook on 2012-02-23:
Sounds like my house, Lol.
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