Complaints
This profile includes complaints for SMI Card Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 122 total complaints in the last 3 years.
- 57 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:06/18/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
This had been the worse card ever and they dont back up their customer child support is already hard to get and Im not happy $370 I purchased from goat and never received my product going back and forth between them and goat and no one wants to give me my money back ruined my wedding and now you telling me I have to wait 3mos too hear from anyone. Im not letting this go
Business Response
Date: 06/23/2025
Your feedback is appreciated. We aim to provide you with a clear understanding of the dispute process and are committed to working with you to reach a resolution.
The dispute resolution process can be a lengthy and challenging experience, but the smiONE Dispute Team is here for you every step of the way to minimize as much of the stress and inconvenience as we can. Your original dispute claim was initiated on May 9, 2025, and recovery efforts were pursued through the chargeback process. Unfortunately, we were not able to rule the claim in your favor due the merchant providing compelling documentation showing no error occurred; however, your request to appeal the final ruling was received and we’ve reopened your claim for a second review. Once completed, we will notify you of the results within 3 business days. If you’d like to request an update or add new information to the claim, the smiONE Dispute Team is available Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.
If you have any other questions about your smiONE card account, our Customer Service agents are here for you around the clock. Please don’t hesitate to contact us! You can call us at 1-855-403-8352, visit us online at www.smionecard.com, or write to us at P.O. Box 2489, Carrollton, GA 30112.
We appreciate your business and look forward to hearing from you.
Sincerely,
The smiONE TeamInitial Complaint
Date:06/13/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I made a purchase for $149.99, but the vendor overcharged me on purpose. Once this occurred the transaction became fraudulent by the vendor I was purchasing from. I disputed the transaction, they immediately refunded me my monies while they investigated. They had came with a determination which I did not agree with which was, paying the vendor $149.90. So they put the chare for the $249 back on my card and then provided a $100 credit sol that I was only paying $149.90. I disputed this on June 4th 2025, on June 5th 2025 they sent me a letter saying that they got it wrong for removing the provisional credit and will make the provisional credit permanent now.I am to have a balance of $33.92, instead my account is overdrawn for -$115.98!This is unacceptable and will be informing the **** as well ab out this!Business Response
Date: 06/19/2025
Thank you for taking the time to share your experience with
the dispute process. After thoroughly reviewing your dispute claim, our
Customer Relations Coordinator reached out to you directly to address your
concerns and provide an update on your claim.On March 6, 2025, our records indicate you contacted the
smiONE Dispute Team to report being overcharged for a monthly subscription. At
that time, a dispute was filed on your behalf for the incorrect amount billed. Unfortunately,
a processing error occurred on our end during the investigation, resulting in provisional
credit for the full transaction amount instead of the overage amount you had reported.
When the claim was finalized in your favor, this error was corrected, and the
final dispute credit of the overage amount was posted to your balance. The
letter referenced in your complaint was sent to inform you that the dispute investigation
had been completed and the claim was ruled in your favor.We recognize how confusing and frustrating this situation
may have been and would like to offer our sincerest apology. For the
inconvenience, a courtesy credit has been posted to your card account balance. If
there is anything else we can assist you with, please don’t hesitate to contact
us. Our agents are here to support you 24 hours a day. You can give us a call any
time at 1-855-403-8342, visit us online at www.smionecard.com, or write to us
at P.O. Box 2489, Carrollton, GA 30112.We appreciate your patience and understanding!
Sincerely,
The smiONE Team
Initial Complaint
Date:06/10/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I was in the hospital. My card was stolen and used on a western union app. The thief charged $221.99 for something in *****. The information they gave was my first name different last name and it was done in Missouri. I contacted the card service and they have done nothing since 4/12/2025. The charge was done on 4/11/2025. I called and reported it fraud on 4/13/2025. The said it will take ***** days to complete there investigation! I clearly cant be in two places at once. They said they could temporarily give me back my money while they investigate but never did. I have done my part and this company it unprofessional and have extreme horrible customer service.Business Response
Date: 06/13/2025
Your feedback is greatly appreciated! We’d like to offer our
apology for the part we played in adding to the stress of your recent hospital
stay. We have some information to share with you that we hope will alleviate some
of your concerns.Under Regulation E guidelines, financial institutions are
permitted to investigate disputes for up to 45-90 days under certain
conditions. Our records indicate that you notified the smiONE Dispute Team of
the unauthorized transaction on April 28, 2025. Based on the information you
provided, a dispute claim was immediately initiated on your behalf, and the
investigation is ongoing. Please rest assured, we are processing your claim as
quickly as we can while conducting a thorough investigation. Once completed,
we’ll notify you of the outcome within 3 business days. If you would like to add
new information or request an update on your claim, the smiONE Dispute Team is available
Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.If you have any other questions about your smiONE card
account or would like to discuss your concerns further, our Customer Service
team is here to support you 24/7. Please feel free to contact us any time at 1-855-403-8344,
or online at www.smionecard.com. You can also write to us at P.O. Box 2489,
Carrollton, GA 30112.All the best,
The smiONE Team
Customer Answer
Date: 06/16/2025
Complaint: 23452083
I am rejecting this response because:
Sincerely,
Cynthia ClemonsBusiness Response
Date: 06/16/2025
To help
us better serve you, could you kindly provide more information on how we may
further assist you?Customer Answer
Date: 06/16/2025
Complaint: 23452083
I am rejecting this response because:
I do not agree, there customer service is horrible and I was not given time frames to anything. They still have not reached back out regarding my original email to request my funds to be replaced while the very very long drawn out investigation continues.
Sincerely,
Cynthia ClemonsBusiness Response
Date: 06/20/2025
smiONE strives to provide an exceptional customer experience for
all our customers. We deeply regret that you feel we are missing the mark and are
unsatisfied with smiONE’s customer service. If you’ll allow, we’d like to schedule
a call to learn more, at your convenience.In the meantime, we are reviewing the relevant calls for areas of
improvement. So far, we’ve been able to positively confirm the proper
disclosures were provided during the call in which the dispute was filed. On
May 29, 2025, our Customer Relations Coordinator reached out to you to request
you forward the email you advised was originally sent on May 1, 2025, for
consideration. You advised that you believed the email had been deleted but
would continue to look for it. If you have been able to locate this email, please
forward it to the smiONE Dispute Processing Team as soon as possible.Respectfully,
The smiONE Team
Initial Complaint
Date:06/07/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
SmiONE card services receives my child support on a weekly basis .Deposits are being made towards old , lost or reported stolen cards I have spoken to help services and Im told that yes they are reported stolen and that no money is being deposited .However I find this hard to believes when I get notifications with cards ending numbers that I do not have .Which leads me to believe that several cards are associated with my account by linked or secondary card holders .I set a direct deposit from card ending in *********************************************************** even past and I find this disturbing .When looking for payment a that I set for bill pay ,they are no were ti be found .I am needing assistance in these matters because the help desk just cant give any reliable response or support..Thank you for your time .Business Response
Date: 06/11/2025
Thanks for reaching out to smiONE! Weve been trying to reach you at the phone number on file for more information on how we can better assist you, but weve been unable to speak with you.
For case-related questions, including inquiries about your payment schedule, please contact the Texas Office of the Attorney General at **************, or visit their website at ****************************.
To order a new smiONE card or to get assistance with our bill pay services, please give us a call at your earliest convenience. Our agents are here for you 24/7 at **************. You can also write to us at P.O. ******************************, or visit our website at ******************************.
We look forward to hearing from you!
Respectfully,
The smiONE Team
Initial Complaint
Date:05/29/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I have been dealing with SmiONE and fraudulent charges on my card since April of this year. I discovered four unauthorized **** transactions that were approved by smiONE, which I reported to them, as these transactions werent made by me. SmiONE dispute department did absolutely no investigation on their part and denied to replace the funds that were fraudulently used by someone else. To this date, I continue to get declined transaction notifications on the card that has been since replaced. I have reopened the case because they refuse to actually do their job and investigate this matter. However, I have heard nothing from the company, although I have submitted images of my personal **** transactions, none of which match what has been charged on my card by someone else. I have also submitted images of continued declined transactions, proving that someone is continuing the efforts of draining my account. At this point, I need help getting justice and having them properly investigate this issue.I am attaching **** transactions in question, from 4/13-4/15, as well as the images of my personal **** transactions, none of which, as seen, match the transactions in question. I thank you for your assistance in advance.Business Response
Date: 06/04/2025
smiONE would like to thank you for sharing your experience with the dispute process. We understand your frustration, and were grateful for the chance to enhance our services.
As soon as we learned of your concerns about this dispute,we conducted a comprehensive review and found sufficient cause to reopen the claim. On June 3, 2025, our Customer Relations Coordinator contacted you with some good news: the claim was ruled in your favor, and final credits were applied to your account balance.
We truly appreciated your patience while we worked towards a satisfactory resolution. If we can provide any further assistance with your smiONE card account, please dont hesitate to let us know. Were here for you 24/7 at ************** or online at ******************************. You can also write to us at P. O. ******************************.
We look forward to hearing from you again soon!
Respectfully,
The smiONE Team
Initial Complaint
Date:05/19/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Thank you BBB for providing a platform to hold some of these unprofessional companies, their policies accountable* On May 7th I was scammed out of $20 per merchant* On May 14 I ***orted to SMI one card services in regards to the incident* I was on hold for at least 30-45!mins waiting for a customer **** * I was on the call for 30 mins ***orting the incident to the **** The *** informed me of next steps* I was informed to email the fraud department a written statement, include correspondence between myself and the merchant* The customer service *** informed me, I would receive the credit within three business days after completing the email with proof* On May 19, 2025 I followed up with the fraud department again on hold for at least 20 minutes and received so much negative interaction* I spoke to someone in the fraud department* The *** was rude and nonchalant about my concerns* I was informed that I will not receive a credit until 3 to 6 months* I would like this issue resolved, and my $20 credited back to my account per the original *** informed me that would occur* *Business Response
Date: 05/21/2025
Being faced with a dispute for any reason can be a daunting experience, but youre not alone! The smiONE Dispute Team is here to support you through every step of the process and strives to make the experience as smooth and worry-free as possible.
Under Regulation E guidelines, financial institutions are permitted to investigate disputes for up to ***** days under certain conditions. Based on the information you provided, a dispute claim was initiated on May 14, 2025, for the services you reported not receiving. Unfortunately, this type of dispute is not eligible for provisional credit, but please know that we are processing your claim as quickly as we can while conducting a thorough investigation. Once completed, well notify you of the outcome within three business days.
In the meantime, if you have any other questions about your smiONE card account or wish to discuss your concerns further, please dont hesitate to reach out to us again. Our **************** team is here for you 24/7. Give us a call at **************, visit us online at ******************************, or write to us at ******************************************
We appreciate your patience!
All the best,
The smiONE Team
Initial Complaint
Date:05/05/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
Monies from child support were loaded to my card, and I believe a hacker has hacked into their systems and stolen my monies. This happened last year, and I was able to catch it and my money was returned.Business Response
Date: 05/09/2025
Your feedback is very important to us! Upon receiving notification of your concerns, we conducted an extensive review of your smiONE card account for discrepancies based on the information you provided, and we reached out to you directly for clarification.
We found no record of reported discrepancy in 2024; however,we were able to locate a dispute previously filed in January 2023 for unauthorized activity. This claim was investigated and ultimately found in your favor. At your request, statements were recently sent to you via email for your review. If you identify any activity not authorized by yourself, or anyone authorized to transact on your behalf, please let us know at your earliest convenience. The smiONE Dispute Team is here to help you Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.
If we can do anything else to assist you with your smiONE card account, please dont hesitate to reach out to ***************** You can call us any time at ************** or visit our website at ******************************. You can also write to us at P.O. *******************************
We appreciate your business!
Sincerely,
The smiONE Team
Initial Complaint
Date:05/02/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am filing a complaint against *********** regarding a recent dispute over fraudulent charges on my account. I noticed unfamiliar transactions associated with ***** and contacted ***** directly to investigate. After a thorough review, ***** confirmed that the charges did not originate from my account or card and stated there was no record of the card ever being used they considered the activity fraudulent.I reported this to ******* and requested a new card while disputing the charges. However, ******* denied my dispute, stating they found no error. I appealed the decision, as I do not believe a proper investigation was conducted. If they had followed up appropriately, they would have seen that the company in question (*****) confirmed no record of these transactions. I am requesting that ******* conduct a genuine review of the dispute and refund the fraudulent charges.Business Response
Date: 05/07/2025
Thank you for sharing your concerns with us! We have some information to share with you and attempted to reach you at the phone number on file to offer additional assistance. Unfortunately, we were not able to connect with you.
On March 12, 2025, our records indicate you notified smiONE of unauthorized activity with the merchant going back to 2020. This activity spanned more than one card, requiring two dispute claims to be filed on your behalf. Regrettably, we were unable to finalize these claims in your favor based on the information you provided, and convincing evidence found during the investigations. If you have new information to add to these claims that could potentially support overturning the final rulings, please contact our Dispute Team at your earliest convenience. The smiONE Dispute Team is available Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.
Our **************** team is here to support you ***************************************************** concerns regarding your smiONE card account. You can call us at **************, write to us at P.O. ***************************** or visit us online at ******************************.
Kind regards,
The smiONE Team
Customer Answer
Date: 05/08/2025
Complaint: 23278661
I am rejecting this response because:The company not only failed to conduct an actual investigation, they are attempting to victim blame to avoid accountability for their lack of secure platform and clear breach of data.
Their response to my complaint is inaccurate. The fraudulent activity takes place on 3 different cards. One of which I only had active for a few days before the activity took place. I have filed 5 disputes so far with SMIOne regarding transactions classified and described as "*****". The transactions vary with descriptions of in store, online, and reoccurring billing. I have reached out to SMIOne on 9 occasions, totaling over 200 mins of conversation. Often being told my account is being notated and someone will be in contact with me soon. On some occasions I've been disconnected and I'm unsure if it is on accident or on purpose. Over the last few months I have requested the findings from these investigations on multiple occasions and received nothing. Finally after opening this complaint with the BBB, I received an email on 5/08 with the "findings". Within that document it is clear the company did not actually conduct an investigation or do any due diligence regarding my concern. One statement says "Merchant would have needed to be provided with updated card information". I have stated on multiple occasions, ***** has no record of any of these transactions, so if they would have simply called ***** to confirm if these transactions are in fact apple transactions, and/or what ***** ID is associated with these transactions they would clearly see that this is fraudulent activity and a hacker is using the title and description to appear as the legitimate company ***** but in fact is not.
The letter also indicates that I failed to respond to their request. When I initially called on march 12 my father was in the ***, he passed away on March 15- all of which was unexpected. I asked the representative if me not providing information was the reason my claim was denied, they assured me the investigators still complete a full investigations despite not receiving additional information from the person filing the dispute.
From my conversations I understand now that the SMIOne ****************** is broken into multiple areas, Intake and Processing. The intake representatives are unable to get anyone to talk with me and can only take note of my complaints and not actually provide any information outside of the findings. The processing department has no follow through and in fact has been dishonest and negligent throughout this process. Based on my experience this company has failed to protect my finances as they advertise and also avoid accountability for their shortcomings and none secure platform.
As stated before I activated a new card and within weeks new fraudulent activity has been taking place. The issue is not on me as the customer, it is clear there is an issue with the company's platform. This entire process has been disheartening and infuriating. And I hope the company's BBB will one day actually reflect their business.
Sincerely,
****** ********
Business Response
Date: 05/13/2025
smiONE would like to offer our deepest condolences to you and your family. We hear your frustration, and we apologize for the confusion,miscommunications and overall addition to your stress, especially during this difficult time. Our Customer Relations Coordinator has been trying to reach you at the phone number on file to clarify some information about your recent dispute claims.
We understand how you may have arrived at the conclusions youve drawn from this experience. While your dispute claims were investigated in accordance with Regulation E, Error Resolution guidelines, we agreed with some of your points. After reviewing your additional feedback, we had the finalized claims re-opened and are pursuing recovery for all related claims through the chargeback process. Once these new investigations have concluded, we will notify you of the results within 3 business days.
Thank you for your patience and understanding while we work through this!
Sincerely,
The smiONE Team
Initial Complaint
Date:05/01/2025
Type:Status:ResolvedMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 4/14/25 I became aware of fraudulent charges on my SMIone card account, two transactions, one for $58.98 and one for $479. They were still pending, I called immediately and began the process of a dispute. Ok 5/2/25 I got an email stating that Based on our investigation, we have concluded no error occurred; therefore, no funds will be credited to your account and this matter is considered closed. I am fully convinced that someone from SMIone either stole my information themselves or compromised it in some way. They actually asked me to stop calling and complaining about the matter. I dont know what else to do. Ive change my child support payments to another account but I need that stolen money back!!!! Do better SMIone! The state of Florida isnt happy with your services!Business Response
Date: 05/05/2025
Thank you for taking the time to bring this to our attention!After learning of your concerns, we thoroughly reviewed the dispute claim you described and contacted you with additional information.
On May 5, 2025, our Customer Relations Coordinator reached out to inform you that our review found sufficient grounds to re-open your dispute claim. Weve continued the recovery attempts through the chargeback process and once completed, well notify you of the results within three business days. In the meantime, if you wish to check the status of your claim or have any other dispute-related inquiries, the smiONE Dispute Team is available Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.
Please know that we deeply regret any inconvenience this situation may have caused you and your family. If we can be of any further assistance, please dont hesitate to let us know. Our dedicated **************** team is here for you around the clock at ************** or online at ******************************. You can also write to us at P.O. ******************************.
We appreciate your patience while we work through this!
Sincerely,
The smiONE Team
Customer Answer
Date: 05/05/2025
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
Date:04/29/2025
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- 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.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I disputed fraudulent. Charges on my smione card in ***** I reported but was denied any evidence of fraud was found that's impossible and I appealed this. I wrote I am appealing this decision because the basis of the decision make was that the their possibly used my card at a location I shopped at before and that's not a reason to deny a elderly woman who has dementia claims I have recently been working on the case with the police department here is the police report numbers for this dispute ********** ********** The statements I made and the charges I reported are absolutely true and it is out of my control where the their used Mt card at I was out of town when I realized it was gone. Now in going to loose my home and have gone with no phone since this happened because lack of funds I will be reporting the lack in support from the dispute team as I have done everything in my power to legally and correctly report this fraud and continue to work with the detective on my case but have yet to recieve provisional credit. I last had my card at a stripes and saw it last on the 5th of March 2025. I will be posting my disappointment in the dispute team on the smione public website. And want to understand why I have not received provisional credit as this is 100% fraud all the way and it is not being honored. Why?. Thank you Valencia cloud.Business Response
Date: 05/05/2025
Dealing with a dispute can be challenging. The smiONE Dispute Team is here to support you and make the process as smooth and stress-free as possible.
Under Regulation E guidelines, financial institutions are required to promptly investigate and determine whether an error occurred within 10 business days of receiving a notice of error. If the investigation cannot be completed within this timeframe, the institution may extend the investigation period to ***** days, provided the account is provisionally credited for the amount in question, if certain criteria are met. In your case, the investigations were completed within 10 business days of your notifications, so provisional credit was not applicable. Unfortunately, based on the information you provided and the findings from our investigation, we were unable to resolve these claims in your favor. To appeal the final rulings or request a copy of the documentation relied upon during the investigations, the smiONE Dispute Team can be reached Monday through Friday from 7:00 AM to 7:00 PM CST/ 8:00 AM to 8:00 PM EST.
If you wish to discuss your concerns further or have additional questions about your smiONE card account, please dont hesitate to contact us again at your convenience. Were here to help 24/7. You can call us at **************, visit us online at ****************************** or write to us at ******************************************
Respectfully,
The smiONE Team
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