I filed my taxes this year and when I requested a RAL I was denied by this bank because my husband owed a fee to them way back in 2004. Come to find out this fee was charged off in 2005. If a fee was assessed, he was never notified. When I spoke to the representative on the phone she told me the notice was sent to an address I had never lived at, and my husband had never lived at. Then I found out that this fee ($49) was included in a bankruptcy also. Long story short, the bank just flat out denied our RAL for no apparent LEGITIMATE reason. The rep told us we should get our check (sent to the tax preparer) in one week. We'll see! Sounds to me like they just flat out deny everyone for any reason, even if they have to pull one out of their @*#, and then they charge you for it.
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