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Business Profile

Employee Benefit Consultants

Branch Messenger, Inc.

Complaints

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Complaint Details

Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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Complaint Status
Complaint Type
  • Complaint Type:
    Billing Issues
    Status:
    Answered
    Account hasnt been working since 12/19 Ive spoken to countless agents who arent knowledgeable and cant resolve my advance hours issue. Ive been promised escalated support and emails and callbacks and nobody ever gets back with me. Company is terrible hopefully you dont have to do business with them

    Business response

    01/10/2025

    Thank you for reaching out, *******. It appears that the issue you initially contacted us about has since been resolved as of 01/07/2025. Our Resolution Team has followed up directly via email. We apologize for any inconvenience this issue may have caused.
  • Complaint Type:
    Service or Repair Issues
    Status:
    Resolved
    I just want my account cancelled. There is no customer service, no one answers the phones or emails. From the very first moment I got entangled with this company its been nothing but a headache. I got my card, cannot activate it and no one answers so Im sitting here with a non-active card, BUTI downloaded the app and it started taking all my money I made with ****. Cost me $3 to get it back where I wanted it. How can you take my funds but not activate my card? The bot says I cant even cancel my card because I have an unpaid balance, what?!?!?! You took my money, I took it back, PAID YOU FOR IT OUT OF THE FUNDS YOU TOOK FROM ME, and now Im trying to get through to customer service since 1pm (3 hours) Learn how to operate a business, company is a scam, or just terrible at what they do, which is who knows what. Incompetence at its finest. It should not be this difficult to contact someone to the point I have to go to the BBB for help. P.S. Communication is one of the keys to a successful business.

    Business response

    12/04/2024

    Thank you for reaching out, ******. Our Support Team has followed up directly on 12/03/2024 via email regarding your reported issue.  We apologize for any inconvenience this issue may have caused.

    Customer response

    12/04/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ****** *******
  • Complaint Type:
    Product Issues
    Status:
    Answered
    I filed a dispute for $403.75 and ****** from an atm didnt dispense on 10/12/2024. Received a email saying I will receive a provisional credit on 11/26/2024. As of 11/27/2024 I only received the credit for the $****** and not the $403.75. Which is a violation of Reg E law.

    Business response

    12/04/2024

    Thank you for reaching out, ********. Our Support Team has followed up directly, advising that your dispute case was decided in your favor and your Branch account was properly credited on 11/27/2024.  We apologize for any inconvenience this issue may have caused.
  • Complaint Type:
    Product Issues
    Status:
    Resolved
    Unrecognized and unauthorized ATM withdrawals Date: 8/16/24 Merchant: *************** ATM at **************************, ******* at 5:29 PM- I have never been to this location and my previous withdrawals through Atm's were never made at *************** - It appears that a "skimming" device was used at this location or at previously CVS or ********* drugstores that I have used to withdraw funds, to obtain my data. This is a fraudulent transaction. I have disputed this with Branch, a debit card backed by an FDIC insured checking account partnered with ********************* twice, both declined. Dispute reference numbers ******* and *******. Amount: ****** Date: 8/16/24 Merchant: *************** ATM at **************************, ******* at 5:32 PM- I have never been to this location and my previous withdrawals through Atm's were never made at *************** - (same scenario as above) Amount: ****** Date: 8/17/24 Merchant: *************** ATM **************** **********, ******* at 2:01 AM I have never been to this location and my previous withdrawals through Atm's were never made at *************** - (same scenario as above) Amount: ****** Date: 8/17/24 Merchant: *************** ATM **************** **********, ******* at 2:03 AM I have never been to this location and my previous withdrawals through Atm's were never made at *************** - (same scenario as above) Amount: ***** Date: 8/29/24 Merchant: CVS ATM at ****************************************************************************** at 10:39 AM-I do use this ATM at this location, however, on 8/29/24 I was attending a work related training class until 1:00 PM in *************, ******* - (same scenario as above) Amount $140.00 ---Police reports filed with city of ***********, ** # **-2409-00-2892 and city of **************, ** #**-067654. Desired Outcome/Settlement credit is requested of the fraudulent withdrawals totaling $936.00

    Business response

    10/03/2024

    Thank you for reaching out, *******. Our Support Team has followed up directly, advising that your dispute case was decided in your favor and your Branch account was properly credited on 10/2/24. We apologize for any inconvenience this issue may have caused.

    Customer response

    10/04/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ******* Prior
  • Complaint Type:
    Service or Repair Issues
    Status:
    Resolved
    My account with ********************** suddenly stopped allowing me to take advances against my paycheck and this has happened at the worst possible time because my vacation started TODAY. I've been contacting customer service via chat; email; and phone since 09/11/24 to no avail. No one can tell me why this happened. No one can tell me when it'll be fixed. And no one seems to be at all worried that suddenly I cannot use my account. Now I'm in a TOTALLY DIFFERENT COUNTRY with NO MONEY because they can't be bothered to fix my freaking account!

    Business response

    09/23/2024

    Thank you for reaching out, ******. It appears that the issue you initially contacted us about has since been addressed and resolved as of 09/18/2024.  We apologize for any inconvenience this issue may have caused.

    Customer response

    09/23/2024

    Better Business Bureau:

    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

    Sincerely,

    ****** *****
  • Complaint Type:
    Customer Service Issues
    Status:
    Answered
    I was made aware about an app that had daily payments from my employer which is called Branch. Long story short, my employer has an account creation code that you use to make your Branch account. I used that same exact code as I was creating my account. Then the app gives me an error message that says the verification process has failed. So I contact their customer service and after about 3 days, they finally emailed me back with a link to verify my account with my ID. I sent in the photos of my ID and they said it would take 3 business days to update me. That was last Thursday. Its been 4 business day so far which I feel is highly unprofessional. Ive been calling them every business day since Thursday to see what is going on. Ive been reading the reviews about this app on multiple sites and they have a ton of nasty reviews. Its almost like theyre just taking advantage of the employees of companies that choose to do business with them. Their customer service is absolute trash and it just genuinely seems like they do not care. I dont know if they issue will be resolved this week but Im starting to lose hope and beginning to not care. It would be nice to have access to my earnings to get through the week during these hard times.

    Business response

    07/03/2024

    Thank you for reaching out, Chaz. Our Support Team has corrected the issue with your account that prevented you from setting up your account.  A review of your account shows this issue has since been resolved as of 06/26/2024. We apologize for any inconvenience this issue may have caused.
  • Complaint Type:
    Billing Issues
    Status:
    Answered
    I used a card issued by this organization, branded as Uber. It was used to rent a car with the program that Uber was promoting. I had the weekly authorizations from Hertz that were added to the card hurts, then finalized my contract and charge the final amount which was equal to or less than the authorizations. Which caused my account with ********************** to be in the negative due to the fact that they did not remove the authorizations when the charge finally posted after speaking with someone at a foreign call center, which I know was clearly not in the ************* due to the extreme language barrier They stated that authorizations will stay on there for 30 days . So they are holding money that was paid from payroll and cash, and not credit, causing financial harm and multiple rejections due to the fact of the negative balance created due to the error of branch messenger. I contacted the vendor *****, and they stated that the authorizations have been removed yet branch messenger still has not removed and has caused me issues with other debits that have been rejected due to the fact of branch messengers negligence on removing these authorizations.

    Business response

    05/09/2024

    Thank you for reaching out, *****. Our Support Team has followed up directly via email, and provided you information regarding your pending holds and when they will be released.  We apologize for any inconvenience this issue may have caused.

    Customer response

    05/09/2024

    The company stated a policy that is clearly not in the terms and conditions or any agreement.  I have submitted a letter from ***** showing the final transaction, yet Branch still fails to reflect the changes and has repeatedly taken income that is tied to this card and they refuse to release it from my account.  The on a continuous basis embezzle money on a balance that I do not owe and the account clearly reflects that.  I am due interest and penalties owed,  they also fail to respond to the *** Arbitration filed and have a foreign call center without any knowledge do nothing. 

    Complaint: 21644468

    I am rejecting this response because:

    Sincerely,

    ***********************

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