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HR Block - Emerald advance -1000

Company HR Block
Product / Service Advance Loan
Location Clayton, North Carolina
Category Tax services
Views 1205

I applied for advance loan and was denied.Due to credit rating; but rating has been the same for the past 5 years.

I have been with H&R Block for 12 years and have applied for the advance loans for the past 3 years. Many are looking forward to these loans especially during the holidays. I can imagine how many others that has been turned down at a time of need. Two other friends of mine were denied also.

I will not continue to deal with them at all. The sad part about this is that too are doing a credit inquiry so that adds to the problem also.

You can also have to many inquiries.If any one else has had this problem please use your voice. 3029431

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Dec 05, 2013 
i applied for the emerald card advance in november 2013 and i was denied the tax preparer didnt know what she was doing and seem extremely nervous. and went on to say that maybe it was because i was unemployed at the time. i wanted to say "lady" i've only been unemployed for a month. when she first input my info it said that i had no refund at all, only until she put in that i had a dependent did the screen show any refund. i work for 8 months last year and got a decent refund so how is it that working a whole year gets me less than this year return . i dont get it nor did she. should have waited for my original tax guy . desperate diana shouldnt have listen to franic freeda
Reply to desperate diana

Dec 20, 2011  from Brandenburg, Brandenburg
The Emerald Advance Line of Credit is not, let me repeat that, NOT, advertised as 'no credit check' and NEVER HAS BEEN!!! That's a refund anticipation check which requires no credit check because it's a refund directly from the IRS. The Emerald Advance is a loan. You can choose to have it withheld from your taxes or not -- it is not an advance on your refund it is a year round line of credit.
Reply to Logger

Dec 19, 2011 
If you are mad about not getting the advance, and choose to go somewhere else next year.... guess what?? they won't offer it at all!! So I guess that saves you from being upset. People shouldn't be counting on money that isn't guaranteed anyways. And KELLY: how is it your money? you haven't even filed your taxes yet, for them to even take it!!! YVETTE: it started Nov 28th, check the website... so if no one was there it was because it hadn't started yet.
Reply to user

Dec 14, 2011 
wow i have been with H&R block for years and always got approved for the advance and this year was denied. wow what is up with that i will for sure be goin elswhere this year later H&R block.
Reply to paul december 14,2011

Dec 07, 2013 
Exactly, what has changed? If you have received every year. I'm like you, nothing has changed in my line of credit. Now, just recently I've been receiving credit lines out this world for different department stores. I'm no longer with H&R Block. But guest what you'll I got audit the same year -2011. The year that I left. Really!
Reply to Smith

Dec 13, 2011 
I would like to know why no one can get in touch with H&R Block's bank to dispute the Denial codes that are wrong. Experian couldn't figure out the codes and the customer service person on the letter told me to reapply. But when you try to reapply the prepares can't do anything because the bank denied you. I would like to know how H&R Block can get away with fraudulent claims when you can talk to anyone at the bank.
Reply to Dissatified Customer

Dec 08, 2012  from Tuscaloosa, Alabama
I went to get an emerald advance loan and was denied because i owed a delinquate balance but i called and thier was no balance i owed so i was instructed to go back and have the manager do a reset and that she is the only one who could. She said it will take 24 to 48 hours for her to fix, But now i have to wait because i had a balance but thier isnt one and that came from thier records. I dont owe nothing and it always comes out of my taxes every year if i do get an advance.
Reply to john

Dec 13, 2011 
I have been going to HR Block for about 10 years! I also have had the Emerald Advance for the last two years....I was denied! She said "too many inquiries"...UMMM NO! And credit or not, this is YOUR OWN money that they are giving you..it's not a matter or a hand out or not! That money comes straight out of your taxes...at an interest rate...so to deny people there OWN money is just goofed up...but just as others above me have stated...I will save myself a few hundred bucks this year and WILL NOT be using HR BLOCK..it's a scam is all it is..she told me that everyone has been getting denied this year...she only had ONE person able to get the 1000 advance....my complaint with this...dont say you can offer people advances on THEIR OWN income tax money and then deny them...that's ***! Thanks for making me see the light and for saving me lots of money on tax preperation this year!!!!
Reply to Pissed off too!

Dec 09, 2011 
I just got off the phone with an hr block customer service agent! She stated that if you do not file in the office the prior year then you will get be approved! Even tho we were approved last year and filed our taxes online and the advance was paid in full on time since we do not file in the offie we could not be approved!!! wow!!!
Reply to Texasgrl

Dec 09, 2011 
Same thing happened to me I have been going to H & R Block for over 10 years and have done the Emerald Advance for 3 years in a row and have never never been denied until yesterday and my credit is better now than before. Said I was denied for to many inquiries and time of my oldest loan has been open to short my oldest loan has been open for over 2 years and other loans have been paid off in full. All I know is H & R Block will not get another dime of my money ever again.
Reply to Heather

Dec 07, 2011  from Hooper, Nebraska
The bank's decision is not based "solely" on a credit check. Block adverstising states clearly that it is based on a number of factors, one of which is a credit check, but that is only one of the deciding factors. Block Bank has always done a credit check before approving/denying these lines of credit. It is a bank after all and you are applying for a loan, not a handout.
Reply to Hmmmm.

Dec 06, 2011 
It is not H&R Block who determines who can receive the Emerald Advance. It is up to the bank who advances the money to you. They are the one who checks the credit rating. H&R Block is only acting as an agent to try to help the clients who need this service.
Reply to A Preparer

Dec 05, 2011 
I was also a victim of the denial. I called to set up an appointment and they told me I could just walk in on the November 26th in which I was surprised that there were hardly any customers. Well, now I know why. They denied everyone. I should have known when the lady that waited on me had a customer in front of me, and she was gone real quick. Since when did you need good credit when they advertise No credit Check. I am going to do my own taxes and keep the extra fee that they charge. Thank you H & R Block.
Reply to Yvette

Dec 04, 2011 
Whats the point in asking for an advance if they deny you? Its our tax money.. so who are they to play God and run peoples credit when it clearly states - not based on a credit score. H&R Block is not only expensive, but they do NOT honor their policies. I refuse to ever use their services, Id rather do them myself and save a few $100's instead of giving it to them!
Reply to Kelly

Dec 03, 2011 
Who's blaming anyone, my credit rating has not changed at all. Basically there were no changes. So what are you referring too, I think that (EVERYONE) expects to get a credit check when applying for credit. Everyone knows this. Our complaint is that, what is the problem when there are no changes in ratings and you are denied. Oh come on, this is just excuse for what ever reasons. You and I know that they are most certainly going to lose customers; because this is something that customers are used to every year. No big issue here, just wondering my friend.
Reply to Thurlene

Dec 03, 2011 
So funny that people think any company SHOULD just hand you money and not do a credit check or anything. People make me laugh when they don't have good credit and blame everyone else for it.
Reply to Me

Dec 03, 2011 
Yes, that is exactly what my paperwork said also. I said that I was going to call the better business bureau also and do a complaint because this is bull. I wonder if this is somewhat of false advertisement. LOL! that explains why there were no customers there when I went to apply. H&R Block had already turned down god knows how many others before I got there.
Reply to Thurlene

Dec 03, 2011 
I was denied for too many inquiries and time oldest loan has been open is too short....funny the info this year is exactly the same as last year. Also many bad marks have fallen off my report. So, their denial reason is total ***. I called the credit bureau and they had no idea what H & R's bank was saying and confirmed the info I had was correct. H & R said, gee sorry decision is final and refuses to offer a detailed explanation or admit that they were wrong.
Reply to Jamie

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