Denied RAL from H&R Block?

Question

For the past several years, I've applied for, been ACCEPTED, and received my tax refund through a 1-2day RAL with no problem what so ever!!

On Thur, Jan 15th, I filed my taxes, and was set up to do the same. I was innitally approved in office for the 1-2 day advance... and was told to call the 1-800 number to check the status of my return- which was to be depositeded onto my Emerald Card TODAY- Mon. Jan 19th. Untill this morning, the number told me that My taxes had been sent, and they were awaiting confirmation from the IRS.

THEN- this morning, the number all of a sudden tells me i was denied the RAL- and wont get my money for the standard 8-15 deposit days.

I've called every number- been on every web site i can find!! Either nobody knows, or they can't discuss it over the phone, and ill have to wait up to 30 days for a letter explaining to me what happened.

One cust. svc rep told me that it may have just been an error.

I dont know what to think! Like most of the country, i had counted on receiving that money now! Otherwise, I would have filed online for FREE!!!!

If anyone can please help me figure this out id really appreciate it!

Im just lost right now, want to know whats going on, why, and if there's anything i can do about it!!

Additional Details

i never allpied for the INSTANT RAL- only the 1-2day... and like every other year, it was approved.. or so i thought. ive called H&R Block.. they have no info for me, and I've called HSBC (the financial institute) and cant get a live person.. only redirected to a website that doesnt tell me anything! Nobody can discuss it over the phone for "privacy reasons". My credit isnt great, but its not bad either... i just checked it yesterday as a matter of fact. i have a rating in the mid 600's which is more than qualifying. i dont pay child support- so its not that. no back taxes as far as i know, etc. everything is in top-top shape and no different than any other year as far as i am aware. so what is going on???

true- most of my refund is based on EIC. why does that matter? or why would it be a problem this year, but never before??

"LILCASON"---- WHAT 1-888 NUMBER DID YOU CALL THAT IS NOW TELLING YOU YOU'LL GET THE MONEY BY TODAY OR TOMORROW??

****OKAY****--- after FINALLY getting to the topof the ladder, this is what ive found out__

After insuring that the IRS didn NOT flag my return, i have officially been informed that it went through without any mention of tax offsets, back taxes, etc.-- and based on my good credit score, my tax pro. came to the conclusion that the bank simply denied me for the first time because most of my return this year was from EIC. She said that they were being more strict this year to prevent fraud and what not. i will receive my return INCLUDING the fees that i was supposed to pay for the damn RAL on my emerald card in the standard 8-15 days, but NO SOONER than JAN 30th since that is the first day the IRS will be issuing refunds this year. Basically- it sucks, and is happening to many of us this year, but there is nothing we can do about it except wait. If anyone has any other info or a dif. experience, PLEASE update it on here!!! thank you and good luck all!!!

Answer 1

Best Answer - Chosen by Voters

Hello,

We followed the same process; except we filed on Friday 1/16/09. We were approved for the Classic RAL 1-2, on sunday it was acknowledged by the IRS. The next message we saw was awaiting funds to be disbursed from the bank and that was about 7:15 Monday morning. Then here is the killing part around 12:15 Monday afternoon, I decided to check the website and I was DENIED through the bank. I did realize call HSBC and they informed me that they run their loans through equifax and transunion; I did file a consumer complaint stating that my credit had been ran without my permission. My complaint was posted on the consumer complaint web-site; I realized that I could have filed my taxes on line for free. I do know that next year I will e-filing my own taxes.

Answer 2

did you apply for the instant loan first and get denied? If so, they are saying that some people are getting that denial message because of that.

Answer 3

There are dozens of reasons that a RAL can be denied. The top 3 are:

1. Poor credit rating.

2. Most of your refund is based upon the EIC or other refundable credits.

3. SSN flagged for offset for unpaid taxes, unpaid child support, unpaid student loans, or unpaid Federal debts.

Go to the office that prepared your return. They may be able to figure out why it was rejected.

Answer 4

Did you try to call HSBC Bank customer support at 1-888-832-5625? Good luck!

This advice was prepared based on our understanding of the tax law in effect at the time it was written as it applies to the facts that you provided.

Answer 5

you should get it later today or maybe tomorrow.

someone else had posted on here yesterday that they were having the same problem and said she spoke block and they said if you were approved and call the number on the back of your card and get that message that it's an error and you should get your money by later today,if not tomorrow then.

check your card later it may be on there.

good luck!

Answer 6

I JUST HAD THE SAME THING HAPPEN TO ME
I APPLY EVERY YEAR FOR THE 1-2 DAY RAL AND WAS ALWAYS APPROVED NO PROBLEM AND NOW I GOT A PHONE CALL SAYING I WAS NOT APPROVED, BUT THEN THE 1888 NUMBER SAYS OTHER WISE, IT STATES THE FUNDS WOULD BE AVAILBLE AFTER MONDAY THE 19TH?

I DUNNO WHAT TO DO,AND NO BUDDY HAS ANY ANSWERS

Answer 7

lilcason - post what happens , whether you get the money or not. HR Block says I am denied , but when I called the emerald card they say I am approved and the money will be today or tomarrow - what the heck , is there a system error going on ?

Answer 8

Getting the same error here - HR Block now saying denied RAL even though I owe no taxes, etc.... HSBC saying it's denied too. No reason given. This is ridiculous!

Answer 9

OMG!!!!!!!!! I CANT BELIEVE THIS.....I'VE JUST SPENT THE ENTIRE MORNING ON THE PHONE WITH H&R BLOCK, HSBC BANK, IRS, AND STATE TREASURERS OFFICE.......THIS IS INSANE!!!!!!!!!! IM GETTING A HUGE RUN AROUND!!!!!!!!! NOBODY CAN TELL ME WHY I WAS DENIED. I GET APPROVED EVERY SINGLE YEAR FOR RAL AND USUALLY GET IT THE NEXT DAY!!!! NOW THEY TOLD ME 8-15 DAYS BUT CANT TELL ME WHY!!!! H&R BLOCK TOLD ME THAT ITS BETWEEN ME AND THE IRS. WHAT DO I DO??????????????????

Answer 10

Same thing happened to me. I filed my taxes 7pm Friday night and waited. Today (Tues 1-20-09) I finally called to see what was going on and I was denied. I've never had any issues with the RAL, I even got a $600 advance when they were offering. I know for a fact I don't owe taxes and my credit is pretty good. I guess all we can do is wait.

Answer 11

omg so the same things happened to me! 01/20/2009!!! i have been approved for that every year until now, now they have to hol dit for 8-15 days and i threw a fit with hr block they say they have called the irs and the irs told them i was on a 3 week hold, so the bank didnt approve it! wtf! i mean i can push it to wait the 3 weeks but i cant belive this would happen! i am afraid now that my refun wont match what we went through in the office? i feel like i cant trust them anymore! how do i know what i am getting back? and how do i know when its coming? argh

Answer 12

sorry i don't have an answer but can you tell me the 1 800 number to check the status of your refund?Please?

Answer 13

HI,
I didnt use H & R block but I did file my taxes with a tax business and she did tell me now, if this is the first time you have ever filed a rapid refund then they will prob hold your refund for 5-10 days because of you being first time and they dont know you from adam.. if they do hold your refund when you receive it from them your charges for the rapids refund will be in with your money because it wasnt done in 24 hrs like promised.. yeah i was denied and it says that IRS will release money to them no earlier that the 30 of Jan.. which sucks cause I was depending on this money and my bank acct is gonna be overdrawn, my lights will prob be cutoff and I will prob be lost my car by then.. just my luck... anyway good luck and hope all gets your money soon!!!

Answer 14

HEY, my question is what is the 1800 number to call to see if you are denied or approved...i got my taxes done yesterday, and I asked for the 1-800 number and the guy told me they would email me when my check came in..1-2 days...but what if I'm not approved? He said there wasn't a number to call....every year they give me a number, What is the number , anyone know....I am concerned because they approved me in the office, but I have bad credit, I didn't know it was based on credit???? i get mine every year......???

Source(s):

HEY...MISSYKAY..... I found this website for HSBC in the fine print of my tax papers from HR. block.....I went there to check the status of my ral....it was easy, and it says that I was approved today.( but,I have bad credit)..funny no call from hr block (to tell me to pick up my check.) or no email, like the guy said......anyway..here is the website...... .hbsctfscustomer. com hope it helps.

Answer 15

well this sucks. I had my taxes done yesterday (thursday) and I was also denied for the instant loan but they said I was approved for the 1 to 2 day refund. I was just planning on asking if I would get my check tomorrow or if I would have to wait until Monday. But I guess thats probably not going to happen either.
None of my refund is from EIC but my credit is crap. But my credit has always been crap and they have never turned me down. I have always walked out with a check. Its pretty clear to me now that the bank doing the lending has changed their requirements. I think H and R block should be informing people about this. The only reason I get my taxes done there is the quick money.

Answer 16

I have also been denied, just found out today after I called and talked to everybody on the damn planet trying to see what happened. I received $900 on the day I applied and now the rest was supposed to go on there today and it hasnt. But if you go to this website and check your status it tells you everything https://www.hsbctaxpayerfinancialservices.com


GOOD LUCK!!!

Source(s):

https://www.hsbctaxpayerfinancialservices.com