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Initial Complaint
12/30/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Filled out information for an RAL from TaxNet Financial and it's been 2 weeks with little to no response. I have not received a tax advance and I want to revoke any of my information they gave as I have come to find out that many people have claimed them as fraudulent!
Business response
01/15/2025
Dear ********************************************* has been offering tax preparation services and related tax advance products responsibly for over 20 years. Any comments to the contrary baseless and without merit. We suggest that consumers do a proper due diligence of a company prior to signing a contractual agreement not after.
A Refund Anticipation Loan (RAL) is a loan it is not your actual refund; it is a short-term tax loan in anticipation of YOUR income tax refund being paid by the ************************************. As with any loan product a group of consumers are approved, and a group of consumers are denied. A tax preparation company doesn't have any control over the underwriting criteria used for a RAL decision.
You can file your tax return electronically without applying for a Refund Anticipation Loan (RAL) and obtain your refund from the ************************ (IRS) to avoid finance charges. The information related to refund options are clearly displayed and provided in writing. We disclosed in our initial consumer onboarding that we are a tax preparation company and that YOU may be denied for a RAL furthermore if YOUR only purpose for engaging with Taxnet Financial **** is for a RAL "We" would not proceed with the request. YOU stated in writing that YOU would use our tax preparation services regardless of a RAL decision. Taxnet Financial **** doesn't make any claims other than the disclosures within our RAL agreement which YOU agreed and signed.
Taxnet Financial **** reserves the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Please be responsible and consider all refund options prior to applying for a tax refund anticipation loan advance.

We have reviewed your account and determined that the information you provided doesn't meet the criteria for us to continue processing your request. We will not discuss the details on a public forum to protect the privacy of your account.

We consider this matter closed because no services were rendered and there are never any upfront fees charged. The consumer was notified that we could not complete the request, and no charges were applied to the consumer's account.
Initial Complaint
12/26/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company was offering holiday loans and I got approved but never received any money of the sum of $750 after fee, total that they will try and take from my tax refund is $1278. They have not called me back and still no deposit.
Business response
01/09/2025
Dear ********************************************* "We" do not charge any upfront fees nor is there any charge if your tax return is not processed. "We" have determined that based on the information you provided NOT to proceed with YOUR RAL application.
As previously provided to YOU in writing a Refund Anticipation Loan "RAL", is a loan and NOT YOUR actual refund. "We" informed YOU that you DO NOT have to apply for a RAL in order to electronically file. YOU elected to file YOUR tax return and apply for a RAL using our services. YOU signed an agreement for both services - see attached.
"We" prominently displayed ALL required disclosures in writing required by your State under the Refund Anticipation Loan Act. "We" will not discuss your specific account on a public forum; however, YOUR application was cancelled and NOT processed per our underwriting standards.
"We" consider this matter closed as there were no services provided, and no fees charged to the consumer. If you accept our agreement to not further process your actual tax return provide your response to the BBB by accepting offer.
Initial Complaint
12/23/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I applied for a *** through this company online on Friday 12/20/24. Then later I got an email realizing that they were going to be charging me almost $600 to file my taxes. I have been trying to reach them to cancel my application and remove my information from their system. I cannot get anyone on the phone and just sit on hold. Only received an automatic reply from their only published email address.
Business response
12/31/2024
Dear Consumer,
Our customer service is available Monday - Friday during normal business hours. We reviewed your account and can confirm that we spoke with YOU multiple times. Also there are never any upfront charges and our tax preparation fees never exceed $450 per tax return plus a $78 technology fee for a total of $528. You contacted us and requested Taxnet Financial to efile your tax return and simultaneously apply for a RAL.
Taxxet Financial **** reserves the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Please be responsible and consider all refund options prior to applying for a tax refund anticipation loan advance.
We have reviewed your account and determined that the information you provided doesn't meet the criteria for us to continue processing your request. We will not discuss the details on a public forum to protect the privacy of your account.

If you are expecting a refund you have multiple options including the *** free file option. Please be responsible and consider all refund options prior to applying for a bank product.
You are welcome to apply again next year. We wish you the best this tax season and that you have a Happy New Year.

We consider this matter closed because no services were rendered and there are never any upfront fees charged. The consumer was notified that we could not complete the request and no charges were applied to account.

Customer response
12/31/2024

Complaint: 22724724

I am rejecting this response because: I want everyone to know how big of a fraudulent company these people are and how much they lie. They have never spoken to me via email or phone calls and I would like for them to prove it. No they do not ask for any money up front and I never claimed they did but almost $600 to file very simple taxes is a rip off. This company is taking advantage of people who truly need the money otherwise why would anyone apply for a tax refund loan. I did not electronically sign anything after I submitted the application so they never legally had any application to process because I sent them an email to cancel my application and do not process it. If they processed anything it was fraudulent. This company will force you to file taxes with them once you electronically sign the agreement no matter if you are approved for the *** or not. Fortunately I did my research before it was to late and despite really needing the money I did not need it bad enough to be scammed. Please please do not do business with this company.

Sincerely,

******* *******
Business response
01/12/2025
Dear ****************************************** "We" has been operating and offering tax related services for over 20 years. "We" never charge any upfront fees, and "We" always operate with full disclosure, honesty, and integrity. "We" have confirmed that YOUR comments are baseless and in response to the rejection of YOUR application.
We continue to display fee schedules for all refund options including the option to get a tax refund anticipation loan online. On January 1, 2013, we began to prominently display on each fee schedule a Notice Concerning Refund Anticipation Loans as required by the Tax Refund Anticipation Loan Reform Act.
In carrying out responsibilities as professionals, Taxnet Financial **** employees exercise professional and moral judgments in all their activities and act with the highest sense of integrity. In so doing employees accept the obligation to act in a way that will best serve the publics interest, honor, trust, and demonstrate commitment to our profession.
Taxnet Financial **** "We" reserve(s) the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
YOUR application for a Refund Anticipation Loan and simultaneously electronically file YOUR taxes was rejected by our compliance department. A Refund Anticipation Loan is a loan and not YOUR actual refund. We will not comment in a public forum the reason(s) YOUR request was not processed to protect the privacy of YOUR account.
A courtesy email was sent to YOU explaining the potential reason(s) "WE" are unable to process YOUR request at this time.
Conclusion: We consider this matter closed:
(1) Taxnet Financial **** did not provide any services to the consumer and (2) No charges to the consumer have been billed or received.
Initial Complaint
12/20/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I filed for a *** yesterday 12/19, after reading multiple misleading things in the documents and reviewing all of there reviews I decided I did not want to continue with this company. I keep sending emails as well as calling and no response. Im trying to cancel this application. I do not want to do business. I do not want advance and I do not want you all filing my taxes.
Business response
12/31/2024
Dear Ms. *************** information related to refund options are clearly displayed and provided in writing. Taxnet Financial **** doesn't make any claims other than the disclosures within our RAL agreement.
Taxxet Financial **** reserves the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Please be responsible and consider all refund options prior to applying for a tax refund anticipation loan advance.
We have reviewed your account and determined that the information you provided doesn't meet the criteria for us to continue processing your request. We will not discuss the details on a public forum to protect the privacy of your account.

If you are expecting a refund you have multiple options including the *** free file option. Please be responsible and consider all refund options prior to applying for a bank product.
We wish you the best this tax season and that you have a Happy New Year.

We consider this matter closed because no services were rendered and there are never any upfront fees charged. The consumer was notified that we could not complete the request and no charges were applied to account.

Customer response
12/31/2024

Complaint: 22713796

I am rejecting this response because:
you all keep emailing me. Was everything removed out of your system? And can you all verify that you will NOT be filing my taxes?

Sincerely,

*******************
Business response
01/12/2025
Dear ******************************************* "We" reserve(s) the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.
YOUR application for a Refund Anticipation Loan and simultaneously electronically file YOUR taxes was rejected by our compliance department. A Refund Anticipation Loan is a loan and not YOUR actual refund. We will not comment in a public forum the reason(s) YOUR request was not processed to protect the privacy of YOUR account.
A courtesy email was sent to YOU explaining the potential reason(s) "WE" are unable to process YOUR request at this time. "We" recommend YOU accept our response to file YOUR taxes on YOUR own accord. "We" wish you the best this tax season.
Conclusion: We consider this matter closed:
(1) Taxnet Financial **** did not provide any services to the consumer and (2) No charges to the consumer have been billed or received.
Initial Complaint
12/09/2024
Complaint Type:
Sales and Advertising Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I HAVE SEEN MANY REVIEWS THAT THIS IS A FRAUDULENT COMPANY. I DO NOT WANT TO FILE MY TAXES WITH YOU. CANCEL MY APPLICATION OR I AM PUJTTING SCURITY ON MY ACCOUNT WITH IRS AND EXPERIAN.
Business response
12/31/2024
Dear *****,
Taxxet Financial **** reserves the right to reject a tax refund anticipation loan application except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. Please be responsible and consider all refund options prior to applying for a tax refund anticipation loan advance.
We have reviewed your account and determined that the information you provided doesn't meet the criteria for us to continue processing your request. We will not discuss the details on a public forum to protect the privacy of your account.
If you are expecting a refund you have multiple options including the *** free file option. Please be responsible and consider all refund options prior to applying for a bank product.
You are welcome to apply again next year. We wish you the best this tax season and that you have a Happy New Year.
We consider this matter closed because no services were rendered and there are never any upfront fees charged. The consumer was notified that we could not complete the request and no charges were applied to account.

Customer response
12/31/2024

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,

******* *****
Initial Complaint
12/06/2024
Complaint Type:
Order Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I recently filed an online RAL holiday loan. However when I tried to contact and ask about cancelling after seeing they would be charging me nearly $600 to file my taxes. I got no response when I submitted all my personal tax documents. I just want all my information removed from their system seeing that people have been saying for years now that they file your taxes without your authorization and I dont want anyone messing up my account and information.
Business response
12/09/2024
Dear Client,

Rest Assured that none of your information will be processed once the *** program starts on December 20th. We do not file taxes on behalf of the client without a signed Consent (*** Agreement). You do not have to be worried as long as there were no service performed your Application will be cancelled as requested.

Thank You.
Customer response
12/10/2024

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. As long as they succeed in cancelling out my application I am fine with it, I just cant continue after seeing the reviews about the company and trusting everything will go as smoothly as possible.

Sincerely,

Daiveonna ******
Initial Complaint
11/15/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This business advertises a Holiday tax loan but once you apply you hear nothing from them. Then they want to file your taxes without your permission.
Business response
11/18/2024
Dear Client,

Taxnet Financial is not accepting application at this time. The *** will start on Dec. 20th 2023 and it is a loan against your tax refund 2024 not 2023.

Thanks and we apologize for the misunderstanding.
Customer response
11/18/2024

Complaint: 22563489

I am rejecting this response because: The application does not state a start or end date. That should be noted. Again, I would like my application thrown out. I do not want to do business with you.

Sincerely,

****** *****
Business response
11/18/2024
Dear Client,
We are not accepting nor processing application at this time. Applications submitted before the time are auto removed from the system.
Customer response
11/19/2024

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,

****** *****
Initial Complaint
04/11/2024
Complaint Type:
Sales and Advertising Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Tax Net financial offered a *** loan that I applied for back in December 2023. I had received an email stating I was approved for $750 dollars and when the *** approved my refund I would receive the money, also was told this information by a representative. Tax Net filed my return a week before *** opened for the tax season and also filed my return without my W2 resulting in the *** flagging my account, which now is under review for the 2nd time (60 days). I reached out to Tax Net regarding the *** loan, April 2024, I was told I wasn't approved due to owing money to the ***, supposedly. I immediately looked up my account through the *** website, which confirmed I owed $0 to the ***. This company is only doing business to rip off people for their own benefit. SCAM!!! DO NOT RECOMMEND!!!
Business response
04/15/2024
Dear Client,
We are never satisfied when we are not able to exceed your expectations ;however, as described in your written agreement we do not have any control over loan decisions.
A Refund Anticipation Loan (***) is not your actual refund; it is a short-term loan in anticipation of YOUR income tax refund being paid by the ************* ********** of ********* With a ***, instead of transmitting the entire tax refund to YOUR account, your tax preparer instructs the *** to transmit YOUR refund to an Electronic Refund Deposit (ERD) Account established for YOUR benefit to pay any outstanding fees.
Taxnet Financial **** provided disclosures that we are a tax preparation company and we offer many options to receive your refund including not applying for a ***. If you do apply for a *** you may be denied. If declined for a *** you will be notified in writing within 21 days for the adverse decision. If you are declined for a *** you will not incur any finance charges but you are still responsible for the tax preparation and administrative fees as described in the Tax Refund Anticipated Loan Disclosure. If approved, your *** proceeds are disbursed within 12 hours of the *** accepting your electronically-filed ("e-file") tax return.
If you are denied for a *** you do not pay any bank fees you are only responsible for the tax preparation fees as described in the *** agreement that was signed by consumer.
Conclusion:
Taxnet Financial has completed the services per agreement (1) tax preparation services and (2) applied for a *** on the tax payers behalf. Consumer signed agreement disclosure that Taxnet Financial **** is not responsible for a *** decision. Please be responsible and consider all refund options before applying for a ***.
Initial Complaint
02/11/2024
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I contacted taxnet in the middle of January because they advertised a refund loan that was currently available. Weeks went by a d nothing nor could I ever talk to them directly, only a foreign person that said they were only an answering service for tax etc and I couldn't talk to them directly. I couldn't talk to the person who was doing my taxes directly???? WHAT? I CALLED SEVERAL times and always the same lady saying the same thing. We are only an answer service. So I emailed them because this is February now and told them not to continue my taxes they didn't have my permission. Well they proceeded to do so and kept more than they should have. My taxes are simple, one person no dependent no extra anything I should ha e gotten close to 1100 and they kept more than. I got. And still cannot get a hold of them.
Business response
02/15/2024
Dear **********************,
Taxnet Financial **** doesn't charge any upfront fees and your actual refund has not been yet processed by the **** We are not sure what you mean by we got more than your refund. Taxnet Financial **** has not received any amount from you or on your behalf to date. We have reviewed your account and you contacted ** for tax preparation services and signed an electronical e-file IRS form in January. Once you submitted the e-filed tax return there is no way to cancel.
We are happy to have a manager contact you an explain the terms and conditions of the tax preparation agreement you signed. If we have not provided the service as per our contact we will be happy to mediate this matter further.
If you applied for a RAL and were denied that is not an acceptable reason to cancel tax preparation services as per your signed agreement.
We look forward to discussing this matter further and coming to an acceptable resolution for you.
Customer response
02/19/2024

Complaint: 21277881

I am rejecting this response because:
It shows that my taxes were filed.
Sincerely,

*****************************
Business response
02/29/2024
******************************************,
Taxnet Financial **** assigned a tax manager to assist on your account. The manager has attempted multiple times to contact you by the phone number provided ;however, the call continues to go to your voicemail. If you can respond to the messages we can ensure that this matter is resolved to your satisfaction.
"We" will not discuss the details of your account to protect your privacy ;however, we due note that you have received your refund deposit to the account you instructed in your tax interview and per your signed agreement.
If you need further assistance now or in the future the tax manager "We" will assist you at no additional charge.
Initial Complaint
02/09/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I filed for a tax loan, I dont think they approve anyone. That part is just a scam so you file you taxes with them and they can charge you $450 for them to do nothing! I have been calling for days with no returned call or being left on hold for hours! I was supposed to get my NE return today and they took it! The whole thing! My NE return is $1,200 I havent got anything from that. This company is such a scam. I will be filing a request directly through the **** This is your warning. DO NOT USE THIS COMPANY. If you do get to talk to someone over the phone they know nothing??? Dont even seem to be tax professionals. I have never been so upset over a company. I have been so upset all day because I was expecting to get my return by now, I am moving and I need my taxes. I am so f****** upset.
Business response
02/15/2024
Taxnet Financial **** has been offering tax preparation services and tax related responsibly for over 20 years. We do not charge any upfront fees and we fully disclose our fees and services including that you may qualify for the *** free file program if your income is under the required *** guidelines for the program.

We continue to display fee schedules for all refund options including the option to get a tax refund anticipation loan online. On January 1, 2013 we began to prominently display on each fee schedule a Notice Concerning Refund Anticipation Loans as required by the Tax Refund Anticipation Loan Reform Act. If you elect a *** we provide a *** agreement that fully discloses we are unable to guarantee approval. A *** is a loan and not your actual refund and our banking partners will make a determination if you are eligible for a ***.
Your application for a *** may be denied. Our banking partners reserve the right to deny any *** application: If you have outstanding unpaid taxes, delinquent child support, delinquent student loans or other federal debt your application for a *** may be denied. Your *** application may be denied if there are not adequate withholdings or estimated payments shown on your federal or state tax return. Your application for a *** may be denied if there are aggressive tax positions taken and/or positions likely to subject your tax return to additional review by the federal or state taxing authority. Your application for a *** may be denied if you have previously defaulted on a refund loan product. ************** a subsidiary of Taxnet Financial **** reserves the right to deny a *** application for any additional reason except for on the basis of race, color, religion, national origin, ***, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicants income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

If declined for a *** you will be notified in writing within 21 days for the adverse decision. If you are declined for a *** you will not incur any finance charges but you are still responsible for the tax preparation and administrative fees as described in the Tax Refund Anticipated Loan Disclosure. If approved, your *** proceeds are disbursed within 12 hours of the *** accepting your electronically-filed ("e-file") tax return.
Conclusion: We understand that you were disappointed with the lender's *** decision ;however, Taxnet Financial **** tax professionals have no control over a *** approval.

We consider this matter closed because the consumer contacted us for services and Taxnet Financial **** completed the services as per written agreement. The consumer believes that nobody is approved for a *** but that is not accurate. Consumer knew or should have known that a *** is a loan and not your actual refund as stated in the *** agreement consumer signed.

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