R & M Automotive

We apologize if your experience with your HSA was anything other than exceptionalThis remains our goal, so we would like to clarify to bring positive resolution for you
Like a regular checking account, there is the possibility that you can overdraw your accountAs stated in your
rate and fee schedule, there is a standard banking NSF fee for overdrawn itemsIt is a $feeAs a courtesy, we have reversed the $NSF fee that posted on 08/10/Please continue to monitor your balance and account activity at mybenefitwallet.com
The customer service you reported is not acceptable and not typical of our usual performance and our goal of keeping all clients our main focusPlease accept our apologies for any negative experience you may have receivedOur Operations Management, with a full review of all the (recorded) calls, will address these reports immediately
Should you have any additional questions, please call us at ***, Mon - Fri: 8:am to 11:pm Eastern time, Weekends: 9:am to 6:pm ET

We apologize if your experience with your HSA was anything other than exceptionalThis remains our goal, so we would like to clarify to bring positive resolution for you
Like a regular checking account, there is the possibility that you can overdraw your accountAs stated in your
rate and fee schedule, there is a standard banking NSF fee for overdrawn itemsIt is a $fee
The monthly maintenance fee of $has been applied to your account since 06/30/This information is in your rate and fee schedule, which you had to agree to, in order to open your account on 03/02/The MMF that posts on the last business day of the month is for the month that already passedYou can also review your rate and fee schedule in your account online and monitor your account activity at mybenefitwallet.comStatement reminders are sent by way of email as well
The electronic check that you issued, which was returned for insufficient funds, was returned because the check was deposited on 10/03/The bank would not know ahead of time that a check was going to be presented for payment, after the monthly fee already posted on 09/The date or time a check is presented for payment is dependent on the vendor who was issued the checkAs a courtesy, we have reversed the $NSF fee
You called and closed your account on 10/04/The NSF fee posted that night so the agent was not able to see the NSF fee during your phone callAn account can be closed at any time, whether there is a balance or notThe bank would not automatically issue you a check for the balanceOur records confirm there was no error on our partAs a courtesy, we re-opened your accountPlease issue another payment to yourself or a vendor to empty your account and call us back to close the account again, after the payment has clearedPlease continue to monitor your balance when you issue another check to empty your account
Our Operations Management completed a review of the (recorded) call mentioned, when you closed your accountThe call notes were documented in your accountOur agent asked you if there were pending transactionsYou advised there were none since the doctor already cashed your check and the monthly maintenance fee already hit the accountThere was no request for the reversal of the NSF fee at that timeShould you have any additional questions, please call us at ***, Mon - Fri: 8:am to 11:pm Eastern time, Weekends: 9:am to 6:pm ET

I am rejecting this response because: I have never received my money that was left in the accountWhile you did finally send me a check for the balance after spending hours on the phone with your customer service(not an exaggeration) , when I deposited it, it bounced because it was sent from the very account that I had just closedAs I mentioned in the original complaint, I have been trying to get my money out of this account for YEARS- I believe since and have spent hours on the phone with customer service since then trying to get them to send the remaining balance to meAt this point I demand that I be refunded the full balance that was in the account at the first time I contacted you to close the accountI will be calling the NJ Department of Banking and Insurance if this is not resolved to my satisfaction immediately

Please
accept my apologies for any inconvenience and your less than positive
experience with BenefitWalletI can tell you that this scenario is not typical
of our usual performance and to our goal of keeping our clients as our main
focus. Your prior custodian (USBank) was contacted
on 09/16/and advised to reissue check in the amount of $from 11/13/

To help fight the funding of terrorism and money-laundering activities in the United States, the Federal Government established The USA Patriot Act, after September 2001. This requires all financial institutions to obtain, verify and record information that identifies individuals and entities...

that engage in any financial transactions with or through the bank. Participants may be required to complete some paperwork related to the The USA Patriot Act in order to open their HSA.
  Unfortunately, we cannot further research your particular inquiry on this account without more specific information on the account holder, such as full name or account number.
  Should you have any additional questions, please call us at [redacted], Mon - Fri: 8:00 am to 11:00 pm Eastern time, Weekends: 9:00 am to 6:00 pm ET.

Please accept my apologies for any inconvenience and your less than positive experience with BenefitWallet. I can tell you that this scenario is not typical of our usual performance and to our goal of keeping our clients as our main focus. At this time BenefitWallet cannot take action; the member...

has used the self-service feature on the member portal ([redacted])  to liquidate the account, either by ACH or manual check.  The account is closed with a zero balance.BenefitWallet Operations

We are very sorry to hear your experience with your MSA was anything other than exceptional. This remains our goal, so we would like to address your concerns to bring positive resolution for you.
  We want to apologize for any miscommunication that may have been provided to you.
We...

have reversed the remaining NSF and maintenance fees on your account as good will. You can remove the funds if you wish. Since check # [redacted] for $44.05 has cleared, the remaining balance, as of 04/12/2016 is $32.00. You may also want to advise the vendor ([redacted]) to stop trying to debit the account for $79.07. The balance in the account on 03/17/2016, when it first posted was only $72.55. They have tried to debit the account three times.
  Please let us know if you would like to close your account after you have removed the funds. Should you have any additional questions, please call us at ###-###-####, Mon thru Fri: 8:00 am to 11:00 pm Eastern time, Weekends: 9:00 am to 6:00 pm ET.

Complaint: [redacted]
I am rejecting this response because:
It is true that a check was issued at that time. However, it was issued from the very account which I had requested you close. As such, the check bounced because the account was closed AT THE TIME YOU ISSUED THE CHECK. Not only did this cause tremendous aggravation, I lost ANOTHER $25 from bank fee. As this comes after years of talking to your well-mannered but not very helpful customer service dep. I simply can not accept this response. I demand that someone with some level of authority contact me directly to discuss a refund of the full balance that was in the account when I originally called to close the account 5 YEARS AGO!
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  If the issue has been corrected, then please forward the corrected tax information showing $0 contribution for 2015.  You may send it to my email on file, or send it to my address on file, but I will not close the claim until I receive the corrected tax form.  
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
I shall contact the business on Wednesday, April 13 and make arrangements to close the account as suggested.Thank you for interceding in this matter.  I appreciate your quick response and I am also grateful to the business (Benefit Wallet) for recognizing the truth and responding accordingly.
Regards,
[redacted]

We are very sorry to hear your experience with your HSA was anything other than exceptional. This remains our goal, so we would like to clarify to bring positive resolution for you.
  Your account has a balance of 7.56. You already closed your account. There is no fee to close your...

account, if you issue payment to yourself for your balance. We can re-open your account so that you can empty it by issuing yourself a check or using your debit card. We will then re-close your account.
  The rate and fee disclosure that you have to agree to when you open your account states, that if you should leave your employer's health plan, then there will be a monthly maintenance fee of $ 2.25. You agreed to the fee schedule in order to open your account. This fee has been charged to your account since 01/31/2014. Notice is also sent when your employer's health insurance plan is terminated.
  Should you have any additional questions, please call us at [redacted], Mon - Fri: 8:00 am to 11:00 pm Eastern time, Weekends: 9:00 am to 6:00 pm ET. You can also access your account details online at [redacted]

Please accept my apologies for any inconvenience and your less than positive experience with BenefitWallet. I can tell you that this scenario is not typical of our usual performance and to our goal of keeping our clients as our main focus.In order to properly assist the member and expedite...

the debit card I will need additional account information.  Please email me directly at [redacted]; on the subject line please add Attn: Director [redacted].  In the body of the email please include the member's full name account number, mailing address and a daytime phone number to confirm the order.   Regards,BenefitWallet Operations

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

[redacted]
I am rejecting this response because:All responses from this business are inaccurate and/or misleading similar to the ways their customer care has responded.I was never allowed to speak with a supervisor after multiple requests, and the issues were not resolved as was promised by lower representatives. 
I still haven't received my tax form and it is not accessible on the site. The last tax form the broken link attempts to show is 2014.I want my fees refunded as promised (they should not have been charged in the first place, and the way they were charged was beyond underhanded by never sending a single statement or notice via mail, as every other financial institution is required to do when terms change).If you cannot complete the refund and close out my account properly, please arrange a time when someone from your executive office can speak with me and my attorney.
[redacted]

Please accept my apologies for any inconvenience and your less than positive experience with BenefitWallet. I can tell you that this scenario is not typical of our usual performance and to our goal of keeping our clients as our main focus. Regarding your inquiry, a check disbursement was...

processed on 02/08/2016 to the address on file. The issuance was initiated by our custodian [redacted] due to failure to comply to the US Patriot Act screening.   Unfortunately, this was processed prior to your address change on 2/12/2016.   On 2/25/2016 you contacted our customer service center and requested reissuance which was completed on 3/4/2016.  Please allow 7-10 days for delivery of this disbursement check. If you should need additional assistance please contact our Director of Operations at [redacted].  BenefitWallet Operations

We are very sorry to hear your experience with your HSA was anything other than exceptional. This remains our goal, so we would like to clarify to bring positive resolution for you.
  Please accept our apologies for any negative experience or misinformation you may have received. The...

system the agents were viewing to confirm your balance did not match the bank's transactions, due to the transactions processing overnight. We have reversed the NSF fee. As a courtesy, we also reversed the January monthly maintenance fee for your account. Thank you for your patience.
  Should you have any additional questions, please call us at [redacted], Mon - Fri: 8:00 am to 11:00 pm Eastern time, Weekends: 9:00 am to 6:00 pm ET. You can also access your account details online at [redacted]

We are very sorry to hear your experience with your Health Incentive Account was anything other than exceptional. This remains our goal, so we would like to address your concerns to bring positive resolution for you.
   Your employer [redacted] submitted an...

electronic enrollment file that created a Health Incentive Account for you. Once BenefitWallet receives your enrollment, a debit card is mailed to the address on file so that you are able to access the funds that your employer may deposit. This is part of your employer's health plan benefits. This account is active from 12/01/2016 to 11/01/2017. Your employer should have provided you all the details of your health care plan, including your Health Incentive Account.
   Should you have any additional questions, please call us at [redacted], Mon - Fri: 8:00 am to 11:00 pm Eastern time, Weekends: 9:00 am to 6:00 pm ET.

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Regards,
[redacted]

Sir, a credit was posted in the amount of $3.25 on 3/4/2016.  This transaction can be viewed on the member portal and heard on the IVR when calling our customer service center at [redacted].  We apologize for the negative experience you may have encountered with BenefitWallet. If our response is still unsatisfactory and you require additional support please email The Director of Operations at [redacted] Thank you