I have my account setup to receive texts for every transaction. On 5/28/15, I paid my Verizon Wireless bill, I submit payment when due, I am not enrolled in "auto payment." Upon submitting payment I received a text reflecting the payment with my updated balance. Later that evening I made a purchase for $4.97, upon receiving the text of the transaction I noticed my balance was way off. I logged onto the website to view all transactions and noticed that my Verizon Wireless bill was deducted twice. I called Wag balance financial immediately the next day. I was told it was an error on their end for the double deduction. I was told my money would be refunded in "10 calendar days" or within 1-2 days if Verizon provided them with a long list of items on letterhead such as authorization I'd, merchant id, my card account #, etc. I immediately called Verizon and explained the situation and they were sympathetic with my issue however stated they could not provide this info to Wag as there is no authorization code to provide as they successfully received the initial payment but do not have one for second transaction as they did not charge my card. I called Wag back and asked for a supervisor who just repeated the steps I needed to follow as the customer service rep provided me. Needless to say I was quite displeased. I then wrote an email to Wag regarding this issue and was again told the same information, I have no choice but to wait the "10 calendar days!" I find this absolutely ridiculous that Wag cannot immediately rectify their mistake! I had a similar situation once before and filed a complaint with the Better Businees Bureau. Within 2 days of filing the complaint I received a call from a manager at Walgreens BF who apologized and stated that this matter was not brought to her attention. Before the conversation was over the money was put back on my card. I am so frustrated that they make these mistakes and then cause the account holder to wait 10 days for the refund. Money is tight in my situation and I cannot afford to have my money held up due to human error on their part. Wag BF definitely needs to find a faster way to rectify refunds. I am so frustrated with them I am going to file yet another complaint with the Better Business Bureau and with any luck Walgreens BF will rethink this ridiculously lengthy refund policy!
There was an no auth code because they didn't recieve any money, their bank declined while balance financial approved. so it is just hanging there. I have had this same problem several times. and it has cost me a lot of money and lost time. and they think it is a joke. I did find that galileo processing is the actually company for this card. and there website is their name and .com
I purchased an item with this card on Jan 2nd, and returned it, due to it been defective, on Jan 5th. 15 days later I am still waiting for the refund to hit my card balance as Balance Financial is withholding it. The merchant provided proof the return was processed and cleared, Walgreens admits that it was processed but they cannot put it back on my card without a receipt!!!!
Why would Walgreens need a receipt when the merchant already credited my account! I have called 8 times already as the amount in reference is close to $500 and no one, not even the Escalation team can help me. I cannot believe the ineptness of the staff!! They laughed when I said we have been waiting 15 days for the refund, they cannot explain why they need a receipt and they say they have no managers on staff to hear my complaint. How can Walgreens conduct business like this?
On top of all this they asked for us to fax a copy of the return receipt so they can process my refund. I have faxed it 3 times already, with confirmation, and they still refuse to put my credit back on the account. How is this even legal?
If you are in the market for a debit prepaid card I suggest you DO NOT get the Balance Financial from Walgreeens cause they will take make your life a living hell.
This is an email that I just sent to Galileo Processing which aparently is the company that owns this company
To who ever can help me out with this.
Hello my name is Winston Pennington, I am not sure who to send this to or who to report any of this to. I have had the last straw with my Walgreens Balance Financial debit card. What has went down with my card and my funds that should have been on my card.
The situation and this is the third or fourth time that this has happened. I can name two other times something like this has happened. On Tuesday 10/20/2015 I visited fast food establishment Panda Express. The first time my card was swiped it was declined, right away it was swiped, and it went through. This happened between the time of 11:30 am and 12:00 pm. Later that night I had checked my account and I noticed I was short some funds. So I checked my account history and seen that I had to pending transaction from Panda Express. At the time I noticed it was too late for me to call into customer service to get this issue resolved. The fallowing day, I called in at 7:00 am. I had to get started with the process early because at 2:30pm I had a doctors appointment that was going to cost me $40. I knew at the beginning of this month I had this appointment. So I budgeted my money to make sure I had this $40. I had contacted your support numerous times. Supperviser Liz had contacted the Panda Express that I had visited the day before. We where not able to get what we needed from them so I done my own leg work and contacted Panda Express corporate office. They emailed me the info that was needed (I will attach this to this email). So I called back and talked to suppervisor V. Who told me that they needed to get the info from the merchant and not from me. She contacted Panda Express and the representive she was connected to gave her all the information she was requesting, it was the exact info that they had emailed back to me in less than 20 minutes. At 2:15 I had informed supervisor V that I had to leave in the next 5 minutes to get to my appointment after she informed me that she had received in invalid code from Panda Express and had to contact them back. While I waited on hold for her to contact Panda Express back I had called my Doctors office to see if I couldn't come in at 3pm instead of 2:30 that was fine I was expecting to have the situation resolved, and I could be on my way. When she came back on the phone she had informed me that the only code they had was for the transaction that went through but not for the one that had gone through. Because the one that was pending was the one that was declined said it would come back to my account because they didn't receive that transaction, V informed me that I would have to wait one to two business days because the situation had to be escalated.
Now I had a major problem. The doctor appointment I had was for my diabetes management and to get my supplies that where needed for me to take care of my health. Yes I could have gone to the ER to get my medical situation resolved, however I am trying not to make any other bills that I do not need, and a trip to the ER will create a minimum of $2,000 bill. I can not afford this while I am trying to pay off and clear past debit because I am trying to rebuild my credit and already paying off past debt, As well as paying off legal fees.
So since I was not able to have the money put back into my account yesterday, I had to look into other options to get to a doctor to get what I needed to get my diabetic supplies. I had found out last night about a social work organization that would pay for a doctor appointment but I would have had to be there by 8am this morning. I had to bring in a print up of something showing that I couldn't pay at this time due to a pending transaction that I was waiting on to come back to my card. This is another problem. Yesterday during the process of trying to get my account funds correct your website that I go to to see my account info is not working. When I log in to my account it comes to a screen that says “E-sign disclosure and consent” at the bottom it gives me a place to check off and a button that says “Submit” I do this and it brings me back to the exact same place. So this caused problems for me on getting what I needed to print up. I informed your support staff about this twice yesterday, The first time I was asked to take a screenshot and email it to the following email [email protected]. It was sent via [email protected]. This however is not the email that my account is attached to and the support agent I talked to on your end informed me that it did not matter what email it came from. So last night when I called in to get this matter resolved so I could get this information needed this morning to take to my social worker to get the assistance needed to see a doctor. I had to leave my house before 7am this morning in order to be where I needed to be. When I woke up at 6 am to get ready to go I had checked my bloodsugar. It was right at 600 this is extremely high and was due to the fact I could not get my medication and supplies yesterday needed to take care of this. I went to check my account online and I am still getting the same screen even at 11pm tonight as I type this I still get the same screen and I will take a full screen shot and attach it to this email as well. I called your support team and explained the situation to them and the severity of the need to have this information before I left at 7am and the only thing that I got from 4 different support agents was “Sorry for the inconvinece we must release this call”. Even in explaining that I can not afford to go to the hospital and explaining that I needed this information if not fixing my problem emailing it to me. I was told to call back after 7 am which is 7 am their time by that time it would have been 8am I explained again that I needed to be where I was taken it at that time and It would be too late. I told her I could not wait until than. (just to help I did go and I even asked that in order to verify the situation I asked the work if I we could call you with and have yall explain what the situation to the worker... They needed printed document at that time Or I would have to wait until I could get it). After explaining this to your agent and explaining to her that I need this appointment to happen with what I needed. Because I couldn't afford to go to the hospital, and I told her I was feeling very sick because my blood sugar was extremely high I could pass out into a coma or die at any moment, she told me she could contact 911 for me. Right while I am saying I can not have a $2,000 plus hospital bill she tried to make it even more... It cost $4,500 for an ambulance to a hospital 2 blocks away. Than just say sorry.
Well after my appointment with social work I walk out to the bus stop, I pass out. I wake up in hour later I am laying in the hospital. I am told my blood sugar was at 735... How I was not in a coma or dead... I got lucky I guess. I also have a $3,600 hospital bill and $4,000 ambulance bill.
Now what doesn't make since to me is the information that I seen it says that they only took one transaction. The transaction that did not go through but still took from my account is just stuck in limbo, This why they did not have an autherization code, and wasn't getting the money. That right there should have been enough just to credit my account back the $21.43.
Now I want to explain to you about what happened in November when it was $50. It was the day before my internet bill was due. I am a student and I go to school online. Two things I need to do this is my internet, and electric. It was also at the first of the month and had not yet done my grocery shopping. Here is what went down... I attempted to pay my internet bill as soon as I hit submit I got the text allert saying that the transaction has been aproved for $50 and my account reflecting that. Now when I called yall since there was no way of contacting the merchant I was told I would have to wait 11 days for that money to come back to my account... now let me explain this. Since I needed my internet because I don't own a portable computer. I had to go pay my internet in cash at a third party cell vendor. Which cost me $55. My electric bill was due that same day but I owed $75. and time wasted on the phone with yall because If I spent that full $75 to pay my electric bill I couldn't pay on my legal issues. If I didn't I paid my legal issues I wouldn't have enough money to feed my kids. So what was important. One is school, I am paying $25,000 for school and if I dropped my internet service I would have to pay out of pocket to retake the class I was in the middle of that would have been $300, I did however only paid $25 on my electric, but they still cut it off. So in order to get it turned back on, I had to pay the rest $50 plus a $35 sur charge to get it turned back on right away. That took away from the $200 I had to pay to cover the legal issues. I was only able to pay $175 and because it was not in full they issued a warrant for my arrest. I had to pay an extra $300 and two nights in jail. The two nights in jail caused me to miss a day of class causing me to be dropped from the class and having to pay $2500
to re take the test. And I had a hard time finding food for my kids. Also and dealing with yall for a few days I was talking to a supervisor named Matt I believe. I while I was trying to explain whole cost of the situation Matt started getting extremely rude with me and at one point told me that he hoped my kids would starve. And wouldn't allow me to escalate anything even further. I was also upset to find that I can't get in touch with anyone higher than the supervisor. Even through walgreen or the bangcor group who is the bank behind this card.
I think this is not right, if I had an account at any other bank, or any other card, and I had a transaction that did not go through they would quickly fix the issue. And unfortunately I have not been able to remove my social security payments from going to this card to another account. I have lost soo much money because of this card and I have never received anything but a sorry for the inconveniece this is not right.
I have been in contact with an attorny. After my two nights in jail. I suffered an anxietty attack wich landed me in the psych hospital for a week, costing me close to $5,000. I am seeking to file suit in court for this matter if nothing is resolved out of this.
I am not comfortable with sending card info through email.
So here is what I will do, first 4 digits and last 4 digits
5127 ---- ---- 2436
dob: 04/25/1981
social: 3285
phone number on the card 832-314-9440
address. 2410 S. Kirkwood RD 126 , Houston, TX 77077
Walgreens Balance Financial Reviews
Ridiculous refund process
I have my account setup to receive texts for every transaction. On 5/28/15, I paid my Verizon Wireless bill, I submit payment when due, I am not enrolled in "auto payment." Upon submitting payment I received a text reflecting the payment with my updated balance. Later that evening I made a purchase for $4.97, upon receiving the text of the transaction I noticed my balance was way off. I logged onto the website to view all transactions and noticed that my Verizon Wireless bill was deducted twice. I called Wag balance financial immediately the next day. I was told it was an error on their end for the double deduction. I was told my money would be refunded in "10 calendar days" or within 1-2 days if Verizon provided them with a long list of items on letterhead such as authorization I'd, merchant id, my card account #, etc. I immediately called Verizon and explained the situation and they were sympathetic with my issue however stated they could not provide this info to Wag as there is no authorization code to provide as they successfully received the initial payment but do not have one for second transaction as they did not charge my card. I called Wag back and asked for a supervisor who just repeated the steps I needed to follow as the customer service rep provided me. Needless to say I was quite displeased. I then wrote an email to Wag regarding this issue and was again told the same information, I have no choice but to wait the "10 calendar days!" I find this absolutely ridiculous that Wag cannot immediately rectify their mistake! I had a similar situation once before and filed a complaint with the Better Businees Bureau. Within 2 days of filing the complaint I received a call from a manager at Walgreens BF who apologized and stated that this matter was not brought to her attention. Before the conversation was over the money was put back on my card. I am so frustrated that they make these mistakes and then cause the account holder to wait 10 days for the refund. Money is tight in my situation and I cannot afford to have my money held up due to human error on their part. Wag BF definitely needs to find a faster way to rectify refunds. I am so frustrated with them I am going to file yet another complaint with the Better Business Bureau and with any luck Walgreens BF will rethink this ridiculously lengthy refund policy!
Auth Code
There was an no auth code because they didn't recieve any money, their bank declined while balance financial approved. so it is just hanging there. I have had this same problem several times. and it has cost me a lot of money and lost time. and they think it is a joke. I did find that galileo processing is the actually company for this card. and there website is their name and .com
I purchased an item with this card on Jan 2nd, and returned it, due to it been defective, on Jan 5th. 15 days later I am still waiting for the refund to hit my card balance as Balance Financial is withholding it. The merchant provided proof the return was processed and cleared, Walgreens admits that it was processed but they cannot put it back on my card without a receipt!!!!
Why would Walgreens need a receipt when the merchant already credited my account! I have called 8 times already as the amount in reference is close to $500 and no one, not even the Escalation team can help me. I cannot believe the ineptness of the staff!! They laughed when I said we have been waiting 15 days for the refund, they cannot explain why they need a receipt and they say they have no managers on staff to hear my complaint. How can Walgreens conduct business like this?
On top of all this they asked for us to fax a copy of the return receipt so they can process my refund. I have faxed it 3 times already, with confirmation, and they still refuse to put my credit back on the account. How is this even legal?
If you are in the market for a debit prepaid card I suggest you DO NOT get the Balance Financial from Walgreeens cause they will take make your life a living hell.
caused health problems and money loss
This is an email that I just sent to Galileo Processing which aparently is the company that owns this company
To who ever can help me out with this.
Hello my name is Winston Pennington, I am not sure who to send this to or who to report any of this to. I have had the last straw with my Walgreens Balance Financial debit card. What has went down with my card and my funds that should have been on my card.
The situation and this is the third or fourth time that this has happened. I can name two other times something like this has happened. On Tuesday 10/20/2015 I visited fast food establishment Panda Express. The first time my card was swiped it was declined, right away it was swiped, and it went through. This happened between the time of 11:30 am and 12:00 pm. Later that night I had checked my account and I noticed I was short some funds. So I checked my account history and seen that I had to pending transaction from Panda Express. At the time I noticed it was too late for me to call into customer service to get this issue resolved. The fallowing day, I called in at 7:00 am. I had to get started with the process early because at 2:30pm I had a doctors appointment that was going to cost me $40. I knew at the beginning of this month I had this appointment. So I budgeted my money to make sure I had this $40. I had contacted your support numerous times. Supperviser Liz had contacted the Panda Express that I had visited the day before. We where not able to get what we needed from them so I done my own leg work and contacted Panda Express corporate office. They emailed me the info that was needed (I will attach this to this email). So I called back and talked to suppervisor V. Who told me that they needed to get the info from the merchant and not from me. She contacted Panda Express and the representive she was connected to gave her all the information she was requesting, it was the exact info that they had emailed back to me in less than 20 minutes. At 2:15 I had informed supervisor V that I had to leave in the next 5 minutes to get to my appointment after she informed me that she had received in invalid code from Panda Express and had to contact them back. While I waited on hold for her to contact Panda Express back I had called my Doctors office to see if I couldn't come in at 3pm instead of 2:30 that was fine I was expecting to have the situation resolved, and I could be on my way. When she came back on the phone she had informed me that the only code they had was for the transaction that went through but not for the one that had gone through. Because the one that was pending was the one that was declined said it would come back to my account because they didn't receive that transaction, V informed me that I would have to wait one to two business days because the situation had to be escalated.
Now I had a major problem. The doctor appointment I had was for my diabetes management and to get my supplies that where needed for me to take care of my health. Yes I could have gone to the ER to get my medical situation resolved, however I am trying not to make any other bills that I do not need, and a trip to the ER will create a minimum of $2,000 bill. I can not afford this while I am trying to pay off and clear past debit because I am trying to rebuild my credit and already paying off past debt, As well as paying off legal fees.
So since I was not able to have the money put back into my account yesterday, I had to look into other options to get to a doctor to get what I needed to get my diabetic supplies. I had found out last night about a social work organization that would pay for a doctor appointment but I would have had to be there by 8am this morning. I had to bring in a print up of something showing that I couldn't pay at this time due to a pending transaction that I was waiting on to come back to my card. This is another problem. Yesterday during the process of trying to get my account funds correct your website that I go to to see my account info is not working. When I log in to my account it comes to a screen that says “E-sign disclosure and consent” at the bottom it gives me a place to check off and a button that says “Submit” I do this and it brings me back to the exact same place. So this caused problems for me on getting what I needed to print up. I informed your support staff about this twice yesterday, The first time I was asked to take a screenshot and email it to the following email [email protected]. It was sent via [email protected]. This however is not the email that my account is attached to and the support agent I talked to on your end informed me that it did not matter what email it came from. So last night when I called in to get this matter resolved so I could get this information needed this morning to take to my social worker to get the assistance needed to see a doctor. I had to leave my house before 7am this morning in order to be where I needed to be. When I woke up at 6 am to get ready to go I had checked my bloodsugar. It was right at 600 this is extremely high and was due to the fact I could not get my medication and supplies yesterday needed to take care of this. I went to check my account online and I am still getting the same screen even at 11pm tonight as I type this I still get the same screen and I will take a full screen shot and attach it to this email as well. I called your support team and explained the situation to them and the severity of the need to have this information before I left at 7am and the only thing that I got from 4 different support agents was “Sorry for the inconvinece we must release this call”. Even in explaining that I can not afford to go to the hospital and explaining that I needed this information if not fixing my problem emailing it to me. I was told to call back after 7 am which is 7 am their time by that time it would have been 8am I explained again that I needed to be where I was taken it at that time and It would be too late. I told her I could not wait until than. (just to help I did go and I even asked that in order to verify the situation I asked the work if I we could call you with and have yall explain what the situation to the worker... They needed printed document at that time Or I would have to wait until I could get it). After explaining this to your agent and explaining to her that I need this appointment to happen with what I needed. Because I couldn't afford to go to the hospital, and I told her I was feeling very sick because my blood sugar was extremely high I could pass out into a coma or die at any moment, she told me she could contact 911 for me. Right while I am saying I can not have a $2,000 plus hospital bill she tried to make it even more... It cost $4,500 for an ambulance to a hospital 2 blocks away. Than just say sorry.
Well after my appointment with social work I walk out to the bus stop, I pass out. I wake up in hour later I am laying in the hospital. I am told my blood sugar was at 735... How I was not in a coma or dead... I got lucky I guess. I also have a $3,600 hospital bill and $4,000 ambulance bill.
Now what doesn't make since to me is the information that I seen it says that they only took one transaction. The transaction that did not go through but still took from my account is just stuck in limbo, This why they did not have an autherization code, and wasn't getting the money. That right there should have been enough just to credit my account back the $21.43.
Now I want to explain to you about what happened in November when it was $50. It was the day before my internet bill was due. I am a student and I go to school online. Two things I need to do this is my internet, and electric. It was also at the first of the month and had not yet done my grocery shopping. Here is what went down... I attempted to pay my internet bill as soon as I hit submit I got the text allert saying that the transaction has been aproved for $50 and my account reflecting that. Now when I called yall since there was no way of contacting the merchant I was told I would have to wait 11 days for that money to come back to my account... now let me explain this. Since I needed my internet because I don't own a portable computer. I had to go pay my internet in cash at a third party cell vendor. Which cost me $55. My electric bill was due that same day but I owed $75. and time wasted on the phone with yall because If I spent that full $75 to pay my electric bill I couldn't pay on my legal issues. If I didn't I paid my legal issues I wouldn't have enough money to feed my kids. So what was important. One is school, I am paying $25,000 for school and if I dropped my internet service I would have to pay out of pocket to retake the class I was in the middle of that would have been $300, I did however only paid $25 on my electric, but they still cut it off. So in order to get it turned back on, I had to pay the rest $50 plus a $35 sur charge to get it turned back on right away. That took away from the $200 I had to pay to cover the legal issues. I was only able to pay $175 and because it was not in full they issued a warrant for my arrest. I had to pay an extra $300 and two nights in jail. The two nights in jail caused me to miss a day of class causing me to be dropped from the class and having to pay $2500
to re take the test. And I had a hard time finding food for my kids. Also and dealing with yall for a few days I was talking to a supervisor named Matt I believe. I while I was trying to explain whole cost of the situation Matt started getting extremely rude with me and at one point told me that he hoped my kids would starve. And wouldn't allow me to escalate anything even further. I was also upset to find that I can't get in touch with anyone higher than the supervisor. Even through walgreen or the bangcor group who is the bank behind this card.
I think this is not right, if I had an account at any other bank, or any other card, and I had a transaction that did not go through they would quickly fix the issue. And unfortunately I have not been able to remove my social security payments from going to this card to another account. I have lost soo much money because of this card and I have never received anything but a sorry for the inconveniece this is not right.
I have been in contact with an attorny. After my two nights in jail. I suffered an anxietty attack wich landed me in the psych hospital for a week, costing me close to $5,000. I am seeking to file suit in court for this matter if nothing is resolved out of this.
I am not comfortable with sending card info through email.
So here is what I will do, first 4 digits and last 4 digits
5127 ---- ---- 2436
dob: 04/25/1981
social: 3285
phone number on the card 832-314-9440
address. 2410 S. Kirkwood RD 126 , Houston, TX 77077
email [email protected]
Full name Winston F Pennington.