Consumer complaint received 2018-11-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Siggi LLC (CO)

On XX/XX/2018, I, using my Omni Financial ATM debit card ( ending in XXXX ) - that was issued to me on XX/XX/2018, in relation to my having been approved, the same day, for a loan totaling {$520.00}, by XXXX   XXXX office of Omni Financial ( of Omni Financial Group that  specializes in the granting of loans to retired military members and veterans of the U S Armed Forces ) ; purchased an XXXXXXXX laptop, for anticipated educational training to obtain certifications in various computer applications per the instructions of a job counselor at XXXX XXXX County, Colorado WorkForce Center, along with a pair of XXXX headphones and other items, including but not limited to a laptop bag ( the total cost for which being almost {$400.00} dollars ) from the XXXX XXXX Store in XXXX XXXX, which is situated at XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX ( phone number XXXX ). The XXXX laptop, that I purchased on Friday, XX/XX/2018, from the XXXX XXXX Store at XXXX XXXX XXXX, began to malfunction, the same day that I purchased it. I then returned the defective laptop to the XXXX XXXX Store, situated at XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, CO XXXX, two days later, on XX/XX/2018, as opposed to the actual store from which I bought it. 

As the # XXXX bus, which is the bus that would have taken me closest to the XXXX XXXX XXXX  XXXX XXXX Store, doesn't run on Sundays. As such, I opted to return the item to the XXXX XXXX Store at XXXX XXXX XXXX XXXX. Several days later, however, after having purchased the laptop bag and despite my handling the bag with care, one of the small handles unraveled, prompting me to return the laptop bag, as well, on XX/XX/2018. In that I used my ATM debit card and keyed in my pin number, with which to purchase the laptop bag and the other afore-referenced items, from XXXX XXXX ; by any standard, the purchase was a point-of-sale transaction - the same as cash. 

This being the case, I expected to receive a cash refund, in return. Even so, I was informed by the XXXX female in-store customer service rep, who processed the return and refund, which was confirmed by XXXX XXXX, General Manager of the XXXX XXXX Store at XXXX XXXX XXXX XXXX, when I returned the laptop to the XXXX XXXX Store, that as of two years ago, ALL ATM debit card purchases, due to complaints from numerous customers who SUPPOSEDLY did not want to be refunded in " cash '' from an ATM debit card purchase, but wanted the refund returned to their ATM debit card ; are now refunded in the exact manner that the product was purchased. Meaning that XXXX XXXX no longer refunds cash money for an ATM debit card purchase, according to Mr. XXXX. 

As such, Mr. XXXX went on to say that the refund, from my return of the laptop bag, would be returned to my Omni Financial ATM debit card, that same day and " should '' appear in my " checking account, within 3-5 days ''. Mr. XXXX went on to say, that depending upon the bank or financial institution that had issued the card ; in some instances, the monies would appear in the customer 's bank account the same day. Because I had doubts about Mr. XXXX XXXX  claims, regarding the method of refund and the number of days that it might take for the refund to appear in my checking account, at Omni Financial ; I contacted Omni Financial, the same day, while still inside the XXXX XXXX Store, where the refund transaction was processed, to ascertain if the monies were there. According to the customer service rep, at XXXX XXXX, with whom I spoke, the refund had not appeared in my account, as of yet. 

Whether Mr. XXXX meant 3-5 business days or 3-5 calendar days, yesterday morning, Friday, XX/XX/2018, six ( 6 ) days after the refund had been processed and five ( 5 ) business days later, after having already contacted the VERY ARROGANT and VERY NONCHALANT-responding customer service unit employees, at XXXX XXXX ( of which Omni Financial is a member ) at XXXX XXXX to confirm whether the {$27.00} had been put back in my account. Having been informed by the customer service rep, with whom I spoke, that that my balance was - {$3.00} ( the reasoning for which the customer service rep could offer no valid or lawful explanation ) ) and that there were " no pending deposits or credits '' associated with my account, including but not limited to none from XXXX XXXX ( for ( {$27.00} ) ; I then contacted Mr. XXXX to ascertain if the problem lied with XXXX XXXX. 

A short time later, Mr. XXXX, who claims to have confirmed, with XXXX XXXX corporate headquarters, the correct and timely processing of the refund to my ATM debit card, on XX/XX/2018, then emailed me a copy of the actual transaction, including the " acquirer reference number '' ( Please see attachment ) which he verbalized was provided to him by XXXX XXXX corporate office and appears to show the refund having been actually returned to my ATM debit card, on the same day ( XX/XX/2018 ) when I returned the defective laptop bag. Armed with this information, I then contacted Omni Financial 's office, here in XXXX XXXXXXXX, at XXXX XXXX XXXX, XXXX  XXXX, CO XXXX, on Friday, XX/XX/2018, during which time I spoke with " XXXX, '' who claimed that she would need to contact Omni Financial Accounts Payable office, in XXXX XXXX, NY office, situated at XXXX XXXX XXXX, XXXX XXXX, NY XXXX, to ascertain what had happened to my refund ; adding that she would call me back the same day. However, as of the filing of this complaint, I have not heard back from XXXX, regarding this matter. 

During the same conversation, with XXXX, and considering all of the unnecessary hoops through which I was required to jump and navigate, by Omni Financial, here in XXXX  XXXX, Colorado, unlike my XXXX   counterpart military members and the impermissible long amount of time that it took, just to be approved for the afore-referenced {$520.00} loan, which I received on the afore-referenced ATM debit card, on XX/XX/2018 ; I informed XXXX, yesterday, Friday, XX/XX/2018, that if the {$27.00} refund was not in my Omni Financial account and if I did not have access to those monies, by this morning ( Saturday, XX/XX/2018 ), she should pass on to the Omni Financial 's XXXX XXXX, New York office, that I would exercise every legal remedy, at my disposal, to TAKE BACK the {$27.00} refund, including but not limited to taking the matter into Federal Court.

It is now seven ( 7 ) consecutive days, since the refund was processed by XXXX XXXX, and STILL those monies are NOT showing in my bank account ; neither are they available to me and I do NOT have access to them. Accordingly, I ask that this statement, be accepted as my official complaint, collectively against XXXX XXXX, XXXX XXXX and Omni Financial, for FRAUD and for WRONGFULLY and UNLAWFULLY withholding my monies from me, since I am unable to definitively identify which organization is SOLELY at fault. Either way, as a presently-unemployed, honorably discharged, service-connected, XXXX XXXX female XXXX veteran of the XXXX XXXX XXXX XXXX, whose ONLY income is a small monthly XXXX compensation and XXXX retiree check, from the U S Department of Veterans Affairs and XXXX XXXX  XXXX XXXX combined ; to be DELIBERATELY and MEAN-SPIRITEDLY deprived of the {$27.00} refund, feels like being deprived of a monetary windfall. 

This being the case, and in light of these circumstances, it is my SINCERE hope that whichever organization is responsible for the deprivation that I have described ; they be CRIMINALLY and CIVILLY prosecuted to the FULLEST extent of the law.