I have had the emerald card from HR block for about a year and have had only a few issues with it. But recently I have had a major problem out of them. I purchased something and when I recieved it I was lied to about what I was recieving. So I talked to the merchant and they refused to give me a refund. So then I called HR block bank and filed a disput with them and gave them everything they asked for. I called there disput hotline for several days and didnt get to talk to anyone, I left several messages and never got a call back. Well a couple of weeks later the money showed up that was being disputed I called to make sure that I was okay to spend it and that everything was worked out and they told me yes everything was fine and I was okay to spend it. Well a whole month and a half later I find out that they same amount was again takin off my card. I called to find out what was happening because the charge left a negative balance on my account and they tell me that after futher investigation that I didnt deserve the money so they took it back with out even telling me. Then they tryed to say that I didnt cooperate with them during the ivestigation. I have since tryed to call them and still no one will answer my calls or return my messages. They never called for any info during or after the investiagtion. They are crooked and you will do good to never deal with HR block Bank period. I am still trying to get my 519.00 back.