Santa Barbara Tax Products Group

*** ***
*** *** *** *** ***
*** *** ** ***
RE:
Case ***
Dear
*** ***,
Please
allow me to explain the role of TPG in this matter and clarify the information
provided to you by * *** * *** and Tax ServicesTPG, on behalf of the
Bank, offers tax related financial products through a network of tax
preparation franchises, independent tax professionals and online tax
preparation providers. These products provide the taxpayer a method
of having their tax preparation fees deducted from their tax refund without
paying any out-of-pocket costs. When your taxes were prepared
through * *** * *** and Tax Services, you chose a Refund Transfer (RT)
product. When the taxpayer selects an RT, they direct the IRS to deposit
their tax refund into a temporary account at the Bank. When the Bank
receives the IRS refund (usually less than days from the filing date), the
Bank makes deductions from the refund to pay the tax preparation fees and Bank
fees. The balance of the refund is then disbursed to the taxpayer by way
of deposit to an account designated by the taxpayer either to a personal bank
account, cashier’s check or a prepaid card
You
indicated in your complaint “you are
requesting that the other fee taken out of your tax refund for tax
preparation fees of $be reimbursed to you by the bank”When we
spoke on February 26, you agreed that you signed a fee disclosure form in
the tax office of * *** * *** and Tax Services and that you understood
those feesAt this time we are denying your request for reimbursement of the
tax preparation feeWe are researching the matter further with * *** * *** and Tax Services and will contact you to advise you of our findings.
If
you have any further concerns or questions regarding this complaint please feel
free to contact me at 800-901-6663, Monday through Friday am to pm PST
Respectfully,
***
***
Compliance
Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have been in contact with *** ***s regarding this issue and the company has refunded my account on 2/27/The complaint can be closed
Regards,
*** ***

*** ***
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N Maxwell St Apt
Allentown
PA
Re:
Case
Dear
*** ***,
This is in response to the complaint filed against
Santa Barbara Tax Products Group (TPG) to the Revdex.com of San
Diego on May 18, regarding
service issues
We apologize for
the inconvenience this has caused you and the manner in which your inquiry was
handled by our Customer Service agents.
Customer courtesy is an extreme priority for us and our obligation is to
always process customer inquiries in a respectful manner.
In
the scenario described in your complaint you have chosen a do-it-yourself tax
preparation software package such
as Turbo Tax. The taxpayer is entirely
responsible for the information provided to the software including the
disbursement account where the refund will be deposited. Turbo Tax software requires that the taxpayer
identify a bank account number where they want the refund depositedOn February 13, the IRS funded
your federal return; fees were deducted to pay your Turbo Tax user fees and an
additional bank deposit product feeThe balance was deposited to the account
instructed on The Citizens Banking Company Refund Processing AgreementThe routing
number used belongs to a prepaid card; however they rejected the funds and
declared your account R“No
Account/Unable to Locate Account”.
Delays of up to five or six business days may occur before the Bank
receives back the rejected transaction. New funds cannot be re-disbursed
until the rejected transaction is returned to the BankThe funds were returned to TPG on February 18,
TPG notifies the customer, through e-mail, at the
time of funding, that the refund has been received and will be deposited into
the bank account. The customer is given thr
TPG website and phone contact information if they have any questions or problems
TPG allows taxpayers the opportunity to correct their initial mistake and avoid
reprocessing until the item is reprocessed, which may be several days or
several weeks. TPG offers a website
where customers can change their account information. TPG’s customer service efforts are highly
successful as customers each year utilize the Web to change account information
prior to IRS funding
Because your
attempt to change your account information failed we were unable to obtain the
personal information from you in order to verify your identity and to make the
applicable changes needed to correct your account informationFunds returned to the IRS
on March 18, Please allow approximately 10-weeks from March for the
IRS to acknowledge receipt of funds
Please feel free
to contact me at 877-908-7228, Monday through Friday am to pm, if you have
any further questions or concerns regarding this complaint
Respectfully,
*** ***
Compliance Analyst

*** ***
*** *** Road
*** AL ***
Re: Case ***
June 11,
Dear *** ***,
Thank you for your
inquiry, TPG has been in contact with you directly via email We apologize
for the manner in which your inquiry was handled by our Customer Service
agents. Customer courtesy is an extreme
priority for us and in this case, we apparently failed you. All the customer agents involved have been reminded
of their obligation to always process customer inquiries in a respectful
manner
The ACH did go out to your bank on February and
rejected back on February You may contact your bank and provide them with
trace number *** to discuss the rejection of funds
Our
regulators require that we follow Customer Identification Program (CIP) and
Know Your Customer (KYC) procedures, which are part of the statute of the USA
Patriot ActBecause we were unable to obtain the personal information from you
in order to verify your identity, we could not proceed any further in our
efforts
On March 5,
TPG began the process to return your money back to the IRS. This process can take between 15-days to
process the return of your funds TPG
returned your funds to the IRS on March 26, We reached out to the IRS on
May to ensure they notated your accountIt is recommended that you contact
the IRS at 800-*** for further detailsPlease be advised that once we
have returned funds to the IRS it can be several weeks before they acknowledge
receipt and post to your account
Respectfully,
*** ***
Compliance Analyst

February 15,
*** ***
** *** **
*** *** ** ***
Dear Ms***,
This is in response to the complaint you filed against Santa
Barbara Tax Products Group (TPG) to the Revdex.com on February 10,
In
the scenario described in
your complaint you have chosen a do-it-yourself (DIY)
tax preparation software package such as ***’s popular *** productThe
taxpayer is entirely responsible for the information provided to the software
including the disbursement account where the refund will be depositedDIY tax
software requires that the taxpayer identify a bank account number where they
want the refund deposited
If a taxpayer enters a bank account that will not accept the
refund deposit, the transaction is rejected by the receiving bankOften times
this occurs because the taxpayer has entered incorrect bank account information
or the account is closedIn these cases the receiving bank “rejects” the
transaction, and returns the funds to the sender, in this case TPG.
Once TPG has received the rejected refund, the company has
the option of making another attempt to disburse the funds to the customer or
simply returning it to the IRSAs of now, there is a hold on your accountTo
release this hold, please log into your account on the TPG website,
***, and follow the instructions when promptedOnce verified and
approved, your funds will be re-disbursed as a Cashier’s Check.
If you experience any issues with this process or have any
questions regarding your account, please feel free to contact me at ***,
Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

February 26,
*** ***
* *** *** ***
*** ** ***
class="MsoNormal">
Dear Mr***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on February
19,
Your complaint stated that after using *** to file your
taxes, you expected your refund to be deposited by February Once you contacted
your bank, you were told to contact TPGUnfortunately, you were unable to get
in contact with a representative at TPG to learn more about your account
TPG contacted the receiving bank, *** *** *** *** *** and spoke to a representative, who confirmed that the saving
accounts changed from letter specific (SX) to a different account number as of
September He stated that all
account holders were notified in writing of this change.
When your funds were directed to this account they should
have been immediately rejected, however per your TPG account status, no funds
have been received back at TPG*** *** *** representative, requested
that you personally call the Bank to locate your fundsPlease contact your
Bank’s ACH Department at *** and follow the prompts to reach a live
agent to receive resolution. Use
tracking number: ***, deposit date of 2/9/16, and amount $
to help assist them in locating the ACH depositIf you are having an issue
resolving your case directly with your bank, please feel free to contact me so
that I can assist in providing any additional details they may need via conference
call with all three parties.
If you have any other questions or concerns, please feel
free to contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

I FILED MY TAX RETURN ON MARCH 29TH WITH AN EXPECTATION OF A RETURN ON APRIL 6TH 2016; MY TAXES WERE RETURNED TO SANTA BARBARA BANK/TAX PRODUCT GROUP, IN WHICH THE COMPANY REFUSES TO RETURN MY TAXES OVER TO THE IRSI HAVE DONE A COMPLAINT WITH THE Revdex.com WANTS BEFORE WITH NO RESULTS; I HAVE SPOKEN WITH NUMEROUS INDIVIDUALS WITHIN THE COMPANY; I HAVE ASKED FOR COPIES OF MY CONVERSATIONS, WHICH THEY HAVE REFUSED TO GAVE; THE COMPANY HAS SENT MYSELF AND THE Revdex.com A LETTER STATING IT HAS RETURN THE INCOME TAXES BACK OVER TO THE IRS; THE IRS HAS DONE A RECENT INVESTIGATION STATING THE INCOME TAXES IS STILL WITH SANTA BARBARA BANK/TAX PRODUCT GROUP; I HAVE PAPER WORK FROM THE IRS STATING THAT FACT AND ALSO PAPER FROM TAX PRODUCT GROUP STATING THEY RELEASED THE FUNDS (WHICH IS NOT TRUE);IT APPEARS THAT WITH THE TAX PRODUCT GROUP/SANTA BARBARA BANK I HAVE AN ACCOUNT OPENED UNDER MY NAME AND SSN THAT I HAVE NO KNOWLEDGE OF AND THAT IS WHERE THE FUNDS ARE BEING HELD: I HAD FRAUD ON MY SSN IN AND NOW I HOW FOUND OUT THE COMPANY HAS FRAUDULENTLY OPEN UP AN ACCOUNT UNDER MY SSNI NOW HAVE TO PULL MY CREDIT REPORT AND FILE IDENTITY FRAUD AGAINST THIS COMPANY(SBTPG)Desired Outcome: Would like this company to release my tax return and no longer use my SSNI WOULD LIKE REIMBURSEMENT OF LAWYERS FEES BECAUSE I WILL BE MOVING FORWARD WITH A CRIMINAL CASE AGAINST SANTA BARBARA BANKI WOULD LIKE REIMBURSEMENT FOR NEED PROTECTION OF MY SSN FROM THEM AND OTHER CREDITORS WHO NOW MAY HAVE ACCESS TO MY SSN THROUGH THIS COMPANY

February 16, 2016
*** ***
*** *** *** ***
*** ** ***
Dear Ms***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) with the Revdex.com on February
11,
You contacted TPG’s
customer service regarding your refund
amountYour complaint stated that you received a lower amount that you
expected from your refund
For purposes unknown to TPG, the Financial
Management Service (FMS) intercepted your refund
before it was received at TPG. FMS
offsets taxpayers’ refunds through the Treasury Offset Program (TOP) to pay off
past-due child support, federal agency non-tax debts such as student loans and
state income tax obligationsOffsets to non-tax debts occur after the IRS has
certified the refunds to FMS for payment but before FMS makes the Direct
Deposits or issues the paper checksRefund offsets reduce the amount of the
expected Direct Deposit or paper check but they do not delay the issuance of
the remaining refund (if any) after offsetIf taxpayers owe non-tax debts they
may contact the agency they owe, prior to filing their returns, to determine if
the agency submitted their debts for refund offsetFMS sends taxpayers offset
notices if it applies any part of their refund to non-tax debtsTaxpayers
should contact the agencies identified in the FMS offset notice when offsets
occur if they dispute the non-tax debts or have questions about the offsetsIf
taxpayers need further clarification, they may call the Treasury Offset Program
Call Center at *** ***
If you have any questions or concerns, please feel free to
contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

Good morning,
All issues were address in our previous complaint for case *** for *** ***Our position remains the same
Respectfully,
*** ***
Compliance Analyst: Tax Products Group
N Torrey Pines Rd, Suite 210 : La Jolla : CA www.sbtpg.com : TF 800-779-7228 : O 858-334-

April 19,
*** ***
*** *** *** ***
*** ** ***
Dear Ms***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on April
13,
In your complaint you stated that
your tax return was
approved by the IRS on March You learned there was an issue with your
account number which caused your refund to be redirected to TPGYou were not
aware that TPG was involved with your refundOnce you called TPG, you were
asked to submit your identification to release the hold on your accountAfter
submitting your identification numerous times, TPG was still unable to
correctly verify your identityAs of April 14, you have not received your
refund
Please allow me to explain the role of TPG in this matter
TPG, on behalf of the Bank, offers tax related financial products through a
network of tax preparation franchises, independent tax professionals and online
tax preparation providers. These
products provide the taxpayer a method of having their tax preparation fees
deducted from their tax refund without paying any upfront costs (please
reference attached screen shots). When
your taxes were prepared through Turbo Tax, you chose a Refund Transfer (RT)
product. When the taxpayer selects an
RT, they direct the IRS to deposit their tax refund into a temporary account at
the Bank. When the Bank receives the IRS
refund (usually less than days from the filing date), the Bank makes
deductions from the refund to pay the tax preparation fees and Bank fee. The balance of the refund is then disbursed
to the taxpayer by way of deposit to an account designated by the taxpayer.
Upon review of your record, a Refund Transfer (RT) was
chosen when your taxes were prepared through Turbo TaxOn March 15, the IRS funded your federal
return; fees were deducted to pay your Turbo Tax user fees and an additional
Bank processing fee for the RTThe balance was deposited to the account
instructed on the Civista Bank Refund Processing AgreementYour financial
institution rejected the funds because they were unable to locate the specified
account You may contact the ACH
Department at your financial institution and provide them with trace number: *** for further details regarding the
rejection of fundsThe funds were returned to TPG on March 18,
In the scenario described in your complaint you have chosen
a do-it-yourself (DIY) tax preparation software package such as Intuit’s
popular TurboTax productIf a taxpayer enters a bank account that will not
accept the refund deposit, the transaction is rejected by the receiving
bank. Often times this occurs because
the taxpayer has entered incorrect bank account information or the account is
closed. In these cases the receiving
bank “rejects” the transaction, and returns the funds to the sender, in this
case TPGTPG in not made aware of this error until the receiving bank rejects
the transaction back to TPG.
On April 15, TPG’s Risk Department was able to verify your
identity and released the hold on your accountOn the same day, TPG sent your
refund as a Cashier’s Check to your mailing address on recordPlease allow up
to business days to receive your check
While the process of converting the rejected deposit to a
paper check ultimately provides benefit to the customer, there is a substantial
cost to TPG for handling these itemsTPG charges a commercially reasonable
processing fee to cover the expenses associated with processing these items
Most banks typically charge between $and $for return item feesPlease
review your application and agreement on the Turbo Tax website for full
disclosure (a sample version is attached)TPG charged a $reprocessing fee
to convert the rejected direct deposit transaction into a Cashier’s Check. You were also charged a $legal processing
fee because your funds were unclaimed and were in queue to be batched back to
the IRS. Once you contacted TPG, TPG
refunded the $legal processing fee and included it in your refund check.
Please note, you stated that you were not notified of the
hold on your refundTPG has since implemented a process for when holds are
placed on funds to send email notifications to customers informing them of the
hold and providing instructions on how to have the hold released by uploading a
photo of their identification for verification by TPG.
Thank you for taking the time to communicate to us why our
service did not meet your expectationsIf you have any other questions or
concerns, please feel free to contact me at 877-908-7228, Monday through
Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowThank you so much for responding to my complaint,
however I am still not satisfied with the outcome. Yes, the refund was allegedly rejected by the
bankAgain, no such transaction exists on my accountI have attached a copy
of the return so that you are able to verify the account information that I
submitted was accurateI used the same account number as last year and it worked
then, why not now? The account number has not changedBesides the transaction
being non-existence I did review the fee disclosure (which was not attached as
stated in your response), there is a
clause that reads, “Our Liability: If we do not complete a transfer to your
account on time or in the correct amount according to this Agreement, BANK or
Processor may be liable for your losses or damages.” In addition to your
company’s clerical errors, you are charging me for your mistakeThe fault
appears to be not on my behalf but on your bankI did not enter the wrong
account number and the accusation of me doing such is actually offensiveAnd
the latter part of the accusation states the account is closed, another
inaccuracy on behalf of your companyIt seems as if all the blame is on me,
and you did nothing wrong but I beg to differ
On top of that, the site says that verification
takes business day Why do I have to
verify my identity if the bank is wrong? Should the error message should have
been “error processing refund” and not fraudulent activity identified This in itself caused alarm to me alone, I was
thinking that someone hacked my informationThe site and representatives are
very misleading with the disclaimer displayed and the information givenEven
if the disclaimer applies to both situations it is still wrong because it says
business days, more like The representative I initially spoke with
confirmed that info of days, and I call back days later (or business
days) and the next representative told me business daysSo I do as told and
days go by and it is not fixed and I call for a third timeDuring that call
the representative informed me that my account is unlocked and coincidentally
it had been while on the call with the representativeRight before that call,
earlier during the day, and days prior to it had still been lockedAnother
coincidence happened after ending the call with your representative, I received
a response from my complaint minutes after
This is not good business practice when information
is not uniformIt is not good to have the customer feel at fault when they
have not done anything wrongSince customer courtesy is top priority it seems
as if the first obligation is to investigate further to ensure your response to
the customer is not offensive
Please understand that the fees that I paid for were
not contractually my obligation since I did not provide you inaccurate account
numberPlease review your recordsThe charges placed upon me are not what I
paid for I paid for a fast return (not
weeks), and I get charged extra for something that I did not wantIts like
going to a restaurant and ordering chicken and getting pork---not what you want
and probably against your dietPlease respond as soon as possible, as I would
like this matter resolved
Regards,
*** ***

April 29, *** *** *** ** *** *** *** ** *** Dear Ms***, This is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on April 8, In your complaint, you stated that you filed your federal return through
Turbo TaxYou had your refund deposited into a friend’s account but there was an issue where your refund was sent back to TPGYour refund has been with TPG for the last month and you are still waiting for it to be deposited into your accountPlease allow me to explain the role of TPG in this matterTPG, on behalf of the Bank, offers tax related financial products through a network of tax preparation franchises, independent tax professionals and online tax preparation providersThese products provide the taxpayer a method of having their tax preparation fees deducted from their tax refund without paying any upfront costsWhen the taxpayer selects an RT, they direct the IRS to deposit their tax refund into a temporary account at the BankWhen the Bank received the IRS refund (usually less than days from the filing date), the Bank makes deductions from the refund to pay the tax preparation fees and Bank feesThe balance of the refund is then disbursed to the taxpayer by way of deposit to an account designated by the taxpayerIn summary, on January 29, 2016, TPG received your electronic filing record from *** *** ***. This means that you used this tax preparer to prepare your tax return and you elected to utilize a Refund Transfer to pay for your tax preparation fees. TPG received the data file only and no monies were transferred. The IRS funded your return on February 9, Your tax preparer issued a check at their office and provided it to you. TPG confirmed that the check was negotiated on February 12, 2016. The issue that was raised in the complaint does not exist on this recordIf you are contacting us on behalf of another taxpayer, please have them contact us directly at 877-908-7228, Monday through Friday, 7am to 4pm. No information can be disclosed without speaking directly with the record holder. Sincerely, *** *** Compliance Analyst

Dear *** * *** This letter is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 17, In your complaint, you state fees were paid through Turbo Tax, but the company (TPG) will not release the fundsTo give
you some background information and help you appreciate our role in your complaint, we would like to explain TPG’s relationship with *** BankTPG is a third party processor for the BankThrough this relationship, *** is able to offer tax products which are sold through TPG through independent tax professionals and online tax preparation servicesThe product you have used through TPG, called a “Refund Transfer”, allowed you to pay for your tax software and tax preparation fees directly out of your tax refundThis saved you the difficulty of paying these fees upfront to your tax preparer or Software CompanyOn January 30, 2017, TPG received your electronic filing record from TurboTax.comThis means that you used TurboTax.com to prepare your own tax return and you elected to utilize a Refund Transfer to pay your software feesTPG received the data file and no monies were transferredAccording to our records, as of February 23, 2017, funds have not been received by the IRSAccording to the IRS, taxpayers can generally expect refunds to be issued in less than days after the electronic return was acceptedOf course, certain factors can cause delays to taxpayer refunds which are out of the control of Tax Products GroupFor example, if your return contains Earned Income Tax Credit (EITC) or Additional Child Tax Credit (ACTC), the IRS will not issue your tax refund before February 15th, which means you should expect your deposit the week of February 27thRest assured that using a Refund Transfer does not delay the deposit of your tax refundWe are here to help and want you to get your refund as quickly as possibleTo keep you informed about the status of your refund payment, please use the following tools, which are updated in real time: • Please utilize the “Where’s My Refund” tool at the IRS to check on the status of your refund - https://www.irs.gov/refunds or by calling them directly at 800-829-• Please log into your TPG account on our website to get up-to-date information about your Refund Transfer filing. Additional information is available through our help center and automated phone centerWe encourage you to read about possible payment delays in more detail by viewing the IRS website at https://www.irs.gov/individuals/refund-timingIf you have any questions or concerns, please do not hesitate to contact TPG directly at 877-908-7228, Monday through Friday, 7:am to 4:pmSincerely, *** *** Compliance Analyst

April 18,
*** ***
*** ** *** *** *** ***
*** ** ***
Dear Mr***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on April 5,
In your complaint you stated that
after having your tax
return approved by the IRS on February 17, you were not informed that there was
an issue regarding your accountYou followed TPG’s procedures to release the
hold by uploading the correct documentation but still did not receive itYou
also read that there was interest being collected while TPG holds your funds
Upon review of your account, TPG held your refund because
the account number you submitted was to an account that was frozenDue to the
amount of compromised SSNs along with non-public personal information (NPPI)
throughout the country, we have put controls in place to prevent identity theft
and fraudTPG feels this is the most prudent course of action to protect
taxpayers given the current environmentTPG is committed to protecting your
privacy and ensuring that only you can access your funds
TPG requested you to send a valid form of identification in
order to release the hold on your accountOn March 22, TPG was able to verify
your identity and released the hold on your accountThis allowed TPG to
process your refund as a Cashier’s Check and send it to your address on record
You were given a 5-business day timeframe for when to expect to receive it
Unfortunately, you did not receive your check within the
timeframeYou contacted TPG and explained you did not receive your checkTPG
explained that in order to have a new check reissued, you would have to fill
out an Indemnity Bond
After speaking with you, I explained the Indemnity Bond
process to you more in depthYou were able to successfully complete and send
the Indemnity Bond to TPGTPG processed the Indemnity Bond that same day and
reissue a new check to you. Certified
ground mail confirmed that the check was delivered on April 16, and signed
by ***
TPG does not collect interest while holding fundsNo
interest is earned on your deposit and your deposit is not being used by any
financial institution during the process of your refund
On behalf of TPG, I want to apologize for not informing you
about any issues that arose causing TPG to place a hold on your accountTPG
has implemented a new policy that informs our customers about any issues that
will cause a hold to be placed on their accounts
TPG is sorry for any inconvenience that you may have
experienced. If you have any other
questions or concerns, please feel free to contact me at 877-908-***, Monday
through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

They received my tax refund from the irs and placed a hold on it stating there was unusual activity on my account so I had to send them a copy of my identification to release the hold they told me it
Would take two business days if submitted online and when I c g ecked with them again they said it Would be reviewed in days they need to fix their issues or I will be filing a lawsuit

March 2,
*** ***
*** *** *** *
*** ** ***
class="MsoNormal">
Dear *** ***,
This is in response to your complaint filed against Santa Barbara Tax Products
Group (TPG) through the Revdex.com on February 22,
Your complaint stated that after your tax refund was
approved, there was an issue with the deposit and it was rejected back to TPGAfter
trying to contact TPG’s customer service, you were unable to obtain the
information you needed in order to receive your tax refund
We had an unexpected spike in business which has caused
extreme demand on our resources and unfortunate delays in processing. We
apologize for the inconvenience this has caused you and the manner in which
your inquiry was handled by our Customer Service agents.
Controls are in place to protect our customers from identity
theft and fraudAfter speaking with you on February about this matter, TPG
was able to verify your information and release the hold from your accountOn
February 23, TPG processed your tax refund as a check and mailed it to you on
the same dateYour account establishes that the check was verified as of
February 27.
If you have any other questions or concerns, please feel
free to contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I disagree with the company's and Ms***'s responseI want Santa Barbara Tax Products Group to return my federal tax return in the amount of $back to the IRS and let the IRS issue me a refundI contacted the IRS on March 26, the have no record of my refund being rejected and returned the IRS gave me the phone number to the bank located in StPaul, Minnesota I then called the and spoke with Bridget and asked her how could she answer from the phone in La Jolla, CA and Minnesota she couldn't answer and transferred me to someone else That young lady said they returned my funds back to the IRS on March and it should take to weeks
Regards,
*** ***

*** * ***
face="Times New Roman" size="3">
Case ID# ***
*** *** ***
*** ** ***
This letter is in response to the complaint filed against
Santa Barbara Tax Products Group (TPG) to the Revdex.com of San Diego on 2/5/
regarding fees
On February 4, TPG disbursed the funds into your
account and they were rejected by your financial institution as an account
closedThe funds were returned to TPG on February 4, According to your
contract, TPG issued a Cashier’s Check and mailed certified to the address on
recordPlease allow business days for receipt of your check
Once TPG receives the rejected refund, the company has the
option of making another attempt to disburse funds to the customer or simply
returning the funds to IRSAs a courtesy, I’ve enclosed a sample copy of the
Refund Transfer online agreement for your reviewTPG provided the service
which we were contracted to provide in deducting the applicable fees and depositing
the money into the account which you directed on the online agreementTPG
charges a processing fee of $to process the rejected of fundsYour
electronic signature on the return authorized the deduction of all applicable
fees and processing of the Cashier’s CheckPer our phone conversation, we came
to an agreement you were satisfied with
If you have any further concerns or questions regarding this
complaint, please feel free to contact me at 877-908-7228, Monday through
Friday am to pm PST
Respectfully,
*** ***
*** ***

Dear Mr***, This letter is in response to a complaint filed through the Revdex.com against Santa Barbara Tax Products Group (TPG) on April 27, Please allow me to explain the role of TPG in this matterTPG, on behalf of Civista Bank (Bank), offers tax related
financial products through a network of tax preparation franchises, independent tax professionals and online tax preparation providersThese products provide the taxpayer a method of having their tax preparation fees deducted from their tax refund without paying any upfront feesWhen you prepared your taxes through the software provider, Turbo Tax, you chose a Refund Transfer (RT) productThis service is optionalWhen the taxpayer selects an RT, they direct the IRS to deposit their tax refund into a temporary account at the BankWhen the Bank receives the IRS refund, the Bank makes deductions from the refund to pay the tax preparation fees and RT processing feeThe balance of the refund is then disbursed to the taxpayer by way of deposit to an account designated by the taxpayer In the complaint received, you state TPG is holding over $26, of your refund for bogus reasonsIn order to resolve your issue, you would like to have your funds released To help you understand our process we have listed out the events associated with your account as follows: According to our records, on March 24, 2018, TPG received your electronic filing record from Turbo TaxThis means that you used tax software to prepare your own tax return and elected to utilize a Refund Transfer to pay your software and RT processing feeOn March 28, 2018, due to certain fraud filters, your account was placed through enhanced due diligence at TPG to protect your account from fraudPlease understand that as a financial services business we are required to perform reasonable monitoring procedures to ensure fraud, such as ID theft, has not occurred through our business processesPlease keep in mind, TPG notified you, via email on that same date, which was before funding, to process authentication and allow the refund to be deposited into the account once it is funded by the IRS without any further delaysUnfortunately, TPG did not receive your identification prior to the IRS funding your account.Due to industry requirements and company policy, if an account is flagged for unusual activity we are required to perform additional account due diligence in order to authenticate the identity of the taxpayerMany companies, including most banks, feel that tax refunds with suspicious account attributes are high risk and rather than trying to perform additional due diligence they simply return the funds to the IRS. TPG feels a better option for their valued customers is to try to perform additional steps to validate accounts and release the holds. Please note: Rather than rejecting the funds received by the IRS, which can delay your refund up to weeks, we allow our customers to submit an unexpired government issued photo ID and go through ID authenticationTPG’s verification process can take up to business days to review the IDOnce we can validate that you are the taxpayer associated with the tax return filed, we release all funds received by the Government agencyFunds are held in a non-interest bearing account while we are waiting for the customer to respond to our enhanced due diligence requestIf the customer does not respond to our request within a timely manner, we return the funds to the IRS.On April 10, 2018, your refund was approved by the IRS and payment was made to TPGOn that same date, TPG deducted fees related to the Refund Transfer and the balance remained on hold in a non-interest bearing account awaiting ID verification. On April 27, 2018, TPG received multiple attempts of your submissionUnfortunately, TPG was not able to validate and authenticate the documentation received and you were asked to resubmitOn that same date, TPG escalated this case to the Risk Department to conduct a manual reviewAt that time, TPG was able to validate your identity and released the account holdOn April 30, 2018, TPG deposited the funds to the bank account designated on your tax return, please reference the detailed client letter mailed to the address on record for your Bank account, Bank ACH contact and Tracking numbers We understand your frustration and apologize for any inconvenience that you may have experiencedPlease understand that with the heightened fraud in the tax industry, we are required to set up processes to protect our clients and help limit identity theftFor any questions or concerns, you may contact TPG directly at 877-908-7228, Monday through Friday, 7:am to 4:pm PST Respectfully, *** *** Program Operations Analyst

TPG emailed the complainant with a resolution and explanation of our process We are waiting on a response back from Mr***
Thank you,
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