I had an anticipation loan put on my Emerald card...well, after a couple of days, I got my loan. then couple of days afterwards i got my income taxes on the card. I was told that my anticipation loan would come directly out of my taxes as soon as they hit the card for the loan that i owed them. Well, it didn't but, i sure am missing a whole lot of money. And i mean like grands. I thought for sure with the money missing that they took their fees and loan out. Well, a month or 2 went by and i started getting these bills in the mail that i owe HSBC Bank (which is the bank they pull the loans through) that i owe them 500 + dollars...well, when i confronted the H&R Block station where i had my taxes done, the "general manager" said, well, it must of been a glitch in the system. Well, i asked do i still have to pay the bank back because of their "worry free guarentee", she said well yea, it wasn't OUR fault, it was the computers. I am so upset by this. So, when the bank called to "collect a debt" i asked the lady about the situation, and she said "Oh no! Not another one" well obviously this has happened to many many people.