Complaints

This profile includes complaints for SMI Card Services, LLC's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  SMI Card Services, LLC

  PO Box 2489 Carrollton, GA 30112-0046

  
• 

  SMI Card Services, LLC

  PO Box 33440 San Antonio, TX 78265

The 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:01/05/2023

  Type:Service or Repair Issues
  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.

  Me(************************************* born on 01/29/1971) and my son ******************************* both called my bank SMIONE to try and see why I couldnt use my card and was told my account was locked and that I needed to provide a copy of my ID and social or other forms of identity thing is I am not a US resident I am from ****** and dont have citizenship yet only forms of ID that I have is my ******* matricula and ITIN which both are expired but they wont accept those since they are expired and Im unable to renew since when I tried renew my ******* matricula I was told I need to mail it out to ****** to get it renews which would take months for me to get back and a lot of money that I dont have but what I would like is for them to allow me to at least withdraw or send me a check for the current money in my account since that is the money I get from child support to help pay for my sons expenses and its been months already and things have been getting really hard without me having access to that money

  

  Business Response

  Date: 01/12/2023

  Thank you for sharing your recent experience with smiONE. We looked into your concerns regarding the block on your card account and would like to share some information with you.

  smiONE is committed to protecting our customers from fraud. On October 6, 2022, our fraud monitoring system detected multiple high-risk attempts to charge your smiONE card. We attempted to contact you at the phone number on file to validate this activity, but we were not able to connect with you. At that time, your card was temporarily blocked until the high-risk activity could be verified. During a subsequent call on October 27, 2022, an individual other than yourself attempted to gain access to your account. To ensure that we are only interacting with our customer, supporting documentation was requested.

  Should you have additional questions about your smiONE card account or want to discuss your concerns further, our agents are available 24 hours a day at **************. You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team.

  Customer Answer

  Date: 01/12/2023

   
  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:10/31/2022

  Type:Product Issues
  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 connected my Smione card to my cash app to move $500 twice to my cash app. The transaction declined on cash apps end but SmiOne processed the charge. I called them to do a dispute due to me not receiving the money but them taken it out of my account. About a week later I received a cash app notice from one of my childs cash app account stating I disputed a $500 payment and the money will be taken out of my account and issued back to my bank. SmiOne bank disputed the wrong charge. The charge they disputed I actually received. So now I have $1500 that is somewhere but in my account. The two actually charges I disputed I have heard nothing about. Smione bank is telling me it can take up to ***** days for this dispute to process. I dont have ***** to wait on $1500 to arrive back to me which should have never been taken out of my account. This is terrible business! Cash app does not have my money or I would have it. Smione bank has really messed up and need to get this situation handled quickly.

  

  Business Response

  Date: 11/07/2022

  We appreciate you bringing this to our attention. We looked into your concerns regarding the recent dispute filed on your behalf.

  Our records show that we initiated this dispute at your request on October 26, 2022. On October 31, 2022, you alerted the smiONE Dispute Team that a charge had been disputed in error, and a Dispute Agent was able to amend the dispute, accordingly. We expect to receive a final resolution by January 29, 2023, and we will inform you of the findings within three business days of the conclusion of the investigation.

  If you have questions about your smiONE Card Account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. The smiONE Dispute Team is here to assist you with any dispute- related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m.to 9 p.m. EST. You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

  Customer Answer

  Date: 11/08/2022

   
  Complaint: 18336103
  
  I am rejecting this response because: How can someone dispute two charges and a company mess up an dispute and cause more money to be taken from the customer and then take 3 months to solve the dispute. Regular banks dont even do that. This is unacceptable!!
  
  Sincerely,
  
  *********************************

  

  Business Response

  Date: 11/15/2022

  smiONE understands this can be a stressful and trying experience. We appreciate your patience while your dispute is being investigated.

  In compliance with Regulation E, error resolution guidelines allow 45- 90 days to complete an investigation. A chargeback was processed on your behalf, and we will notify you of our findings within three business days of the completion of our investigation. We apologize for any inconvenience you may have experienced during this time.
  

  If you have questions about your smiONE Card Account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. The smiONE Dispute Team is here to assist you with any dispute related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST. You can also write to ** at ***************************************** 30112.

  Sincerely,

  The smiONE Team

• Initial Complaint

  Date:10/29/2022

  Type:Product Issues
  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 is a prepaid card. Yet every time money is loaded they make you wait for 2 days to process

  

  Business Response

  Date: 11/04/2022

  Thank you for sharing your experiences with smiONE. 

  On November 2, 2022, we attempted to contact you, as you requested. We reviewed your deposit history and have some information that *** ease your concerns. Unfortunately, we could not connect with you at the phone number on file or the phone number included with your concerns. 

  smiONE posts child support payments as we receive from your state child support agency, Monday through Friday, between 12:30 p.m. and 4:30 p.m. EST. Should you have questions concerning your child support case or deposit information, please contact your county worker with the state child support agency.

  If you have additional questions about your smiONE Card Account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team
  

  
  

• Initial Complaint

  Date:10/19/2022

  Type:Service or Repair Issues
  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.

  Hello on October 20, 2022 Ein notice to unauthorized charges on my account from **** TRADING CO. I immediately called SM I want to discuss the charges and dispute the charges. The first charge was on September 17, 2022 in the amount of ******. The second charge amount is ****** on October 18, 2022. My lights will be disconnected as of October 20, 2022 due to me not having the funds in my account to pay my light bill. Its cold outside me and kids are in the dark and cold due to someone hacking my account. I never shopped at this store or I never received anything from the store so why should I have to pay for these items. I want to be refund immediately

  

  Business Response

  Date: 10/27/2022

  We appreciate you bringing this to our attention. smiONE is committed to protecting our customers from fraud, and we have looked into your concerns about a recent dispute filed on your behalf.

  We initiated this dispute on October 19, 2022, at your request, and it is currently in progress. Our records show we connected with you the following day, October 20, 2022, and explained the dispute process,including the investigation time frames. We expect to receive a final resolution by January 18, 2023. Within three business days of the conclusion of the investigation, we will inform you of the findings. We sympathize with your situation and wholeheartedly appreciate your patience during this trying time.

  If you have questions about your smiONE Card Account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. The smiONE Dispute Team is here to assist you with any dispute- related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST. You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

  Customer Answer

  Date: 11/02/2022

   
  Complaint: 18246373
  
  I am rejecting this response because: My lights are disconnected because my card was hacked . My card was used for a company i cant even contact thats very unfair . I trust this company to hold my funds without being misused . I need a provisional credit today how you feel if you got scammed out of $500
  
  Sincerely,
  
  Unique *******

  

  Business Response

  Date: 11/08/2022

  smiONE understands this can be a stressful and trying experience. We appreciate your patience while we investigate your dispute claim.

  Our records show that your account was provided with temporary provisional credits on November 2, 2022, and November 3, 2022, for your use while we conduct our investigation. As a reminder, we expect to receive a final resolution by January 18, 2023, and we will inform you of the findings within three business days of the conclusion of the investigation.

  If you have questions about your smiONE Card Account or wish to discuss your concerns in greater detail, our agents are available 24 hours a day at **************. The smiONE Dispute Team is here to assist you with any dispute-related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

• Initial Complaint

  Date:10/11/2022

  Type:Service or Repair Issues
  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 filed a dispute of about $2,500+ in fraudulent charges and they replied that there was no error found. I was in a halfway house and couldn't leave it until July 17th. I have since emailed 4 times now saying I'm not accepting the charges because I DIDN'T DO IT, and that's a lot of money to just allow to be stolen from me and my daughter. I have contacted my attorney and the police. I want me l my money back on my card, I have legal proof it wasn't me and if they actually investigated it, they'd know it wasn't me. I will not stop to it's refunded

  

  Business Response

  Date: 10/18/2022

  Thank you for sharing your experience with smiONE. We looked into your concerns regarding a dispute filed on your behalf and wanted to share some information with you.
  

  Our records show you contacted the smiONE Dispute Team on September 26, 2022, with a list of transactions that need to be disputed. A dispute was filed on September 30, 2022, for all of the charges you indicated. You were notified on October 3, 2022, of the outcome of this dispute. We attempted to reach you at the phone number on file to address your concerns, but we could not connect with you. When you returned our call, you indicated that you no longer needed assistance.
  

  If you have additional questions about the final resolution,please know the smiONE Dispute Team is happy to assist you with any dispute-related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.
  Should you have additional questions about your smiONE Card Account or want to discuss your concerns further, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****,**********, ** 30112.
  

  We look forward to serving you in the future!
  

  Sincerely,
  The smiONE Team

  Customer Answer

  Date: 10/24/2022

   
  Complaint: 18196608
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************

  

  Business Response

  Date: 10/25/2022

  If you have additional questions about your smiONE Card Account or want to discuss your concerns further, our agents are available 24 hours a day at **************. You can also write to ** at ***************************************** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

  Customer Answer

  Date: 10/26/2022

   
  Complaint: 18196608
  
  I am rejecting this response because: I called several times and emailed them.  I have proof I want making those charges and I have emailed the documents to smione and my attorney has them also.  I called back after i had a missed call from y'all and said i already spoke to someone so they didn't need to call me back.i have every conversation recorded and I know y'all do too.  I'm struggling to make it and I'm just wanting my full refund so I can have better financial support.  I depended on that extra money.  Please just give it back
  
  Sincerely,
  
  *****************

• Initial Complaint

  Date:09/28/2022

  Type:Sales and Advertising Issues
  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.

  On 12/06/21 I was looking up hotel rates for 05/12/22-05/15/22. I reached a website that requested I enter my credit card information to view the lowest rate. The page led me to a reservation confirmation page. Never showing the "low rate" or price breakdown. I immediately called the phone number on the email I received. I tried to cancel and explain what occurred. The company which I was now realizing is a third-party reservation company said they had a no refund policy. I advised that I was not made aware of the refund policy or that I was being charged and requested they check their user interface when making a purchase to confirm that their site is faulty. After speaking to different reps they advised me they had no supervisor to help with a refund as they had a no refund policy. I explained that if they werent going to check they could at least consider that the reservation was for a date 6 months away. I was getting nowhere with this company so I called SMIOne and they said the charge hadn't been posted and that I could try in a few days to dispute. We blocked the card in the meantime. I called and started my dispute on 12/2022. Around 1/2022 I still didn't have word back and I needed to unblock the card for use. This is where my child support payments went automatically (it is the ****************'s default delivery for child support payments). I was adamant that I still had a dispute pending and wanted a resolution. 02/2022 when calling for status, they advised me that somehow the dispute was canceled. They sent an email & said I didn't have to provide the details because they had them in notes. to be patient and wait for a resolution that could take up to 90 days. For months they had no resolution. I kept calling for status and they kept advising me they were speaking to the merchant about it. April 2022 rolled around and I started calling SMI One more often for status. Eventually, they did not refund me and the resolution came after the reservation date.

  

  Business Response

  Date: 10/06/2022

  Thank you for sharing your experience with smiONE. We looked into your concerns regarding a dispute filed on your behalf and wanted to share some information with you.

  Our records show you contacted the smiONE Dispute Team on December 6, 2021, for more information about this transaction. Since the transaction was still in a pending status, no dispute was filed, at that time. On December 18, 2021,you called customer service to unblock your card and advised that you would decide if you wanted to pursue the dispute; however, there is no record of any further contact until February 15, 2022. At that time, a dispute was initiated on your behalf. During the dispute investigation, the merchant provided compelling documentation supporting the final resolution. At your request, this documentation was sent to you via email on September 30, 2022.
  

  If you have additional questions about the final resolution or the documentation you received, please know the smiONE Dispute Team is happy to assist you with any dispute-related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.

  Should you have additional questions about your smiONE Card Account or want to discuss your concerns further, our agents are available 24 hours a day at **************. You can also write to ** at P.O. Box ****,**********, ** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

• Initial Complaint

  Date:09/14/2022

  Type:Product Issues
  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.

  Tuesday September 13,2022. I was apparently issued a card I never authorized to receive child support payments on. After several weeks of dropped calls when calling sm1 customer service. I have finally requested the account be closed only to have my call disconnected 3 times in the process. The customer service rep refuse to give an identification so that I can note who Ive been talking too. If a company deals with my money, there is a big red flag when they refuse to identify themselves on customer calls. I still have no way to confirm they cancelled the account/ card. No confirmation or reference information provided whatsoever.

  

  Business Response

  Date: 09/21/2022

  Thank you for your time and feedback. We recently looked into your concerns regarding possible account closure and the customer service you received.

  Our records show we connected with you on September 14, 2022 to discuss this matter and confirmed that your smiONE Card Account had been closed, per your request. Please contact ******** Child Support Enforcement at *********** to complete the process of re-directing your deposits. 

  For any additional questions about your smiONE Card Account or to discuss this issue further, please call our agents anytime at ***********. You can also write to ** at ***********************************************. We look forward to serving you in the future!

  Sincerely,

  The smiONE Team
  

  
  

• Initial Complaint

  Date:08/18/2022

  Type:Service or Repair Issues
  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.

  In short, I ordered a prom dress for my daughter and what we received in the mail not what we ordered. At the time the dress was ordered this merchant did not have a no refund policy on their website. I sent pictures of what we got in the mail compared to what was on their website and you can clearly see the dress was not what we ordered. I even sent pictures of my daughters going to prom in a different dress. *** refunded my money but then took it back. I will get an attorney also. This card is used for my child support deposits and I am also going to report them for fraud as well for refusing to return my money even though I proved what we received in the mail was not what we ordered.

  

  Business Response

  Date: 08/23/2022

  Thanks for taking the time to share your recent experience with smiONE. We have looked into the concerns you raised regarding a recent dispute and would like to share some information with you.

  During the dispute investigation,the merchant provided documentation showing their refund policy. On August 15, 2022,you requested these documents, which were sent to you via email the following business day. Our records show we connected with you over the phone on August 18, 2022, to discuss the outcome of this dispute.  

  If you have additional questions about the final resolution or the documentation you received, please know the smiONE Dispute Team is happy to assist you with any dispute-related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.

  Should you have additional inquiries about your smiONE Card Account or want to discuss your concerns further, our agents are available 24 hours a day at ***********. You can also write to ** at P.O. Box ****,**********, ** 30112.

  We look forward to serving you in the future!

  Sincerely,

  The smiONE Team

  Customer Answer

  Date: 08/30/2022

   
  Complaint: 17733672
  
  I am rejecting this response because: At the time my complaint was filed there was no refund policy on their website in which the first claims person saw the website and agreed to the refund. 

  I was refunded my money and then they, SMI ONE took my refund back. Besides that, it don't matter what their refund policy is if what I paid for was not what I received in the mail as documented and sent. I sent the picture of the dress listed on their website during prom season which shows silver stones covering the top of the dress and pictures of what we got in the mail which has no stones and was the wrong size and dress.

  How is it I canot get a refund when I did not receive what I ordered? I will also report this to our local news here in DC and our ****** of ******** General to make sure this company lose their DC Government Contract. If I do not get my money back for a product I paid for and did not receive I will take SMIONE to DC Court and have a Judge make a ruling regarding my money. Please get the correct address to send the court papers. 

  I filed the claim in time it is  not my fault SMIONE dropped the ball during their investigation and allowed these people to add a no refund policy to their website that was never there because you guys took to long with my claim. If I was not entitled to a refund you would have never issued it in the first place so I can see you in court because you all will not just keep my money. I have a daughter on her way to college and we need our money for that, shame on you all to see that what I ordered is NOT what we got and tell me I am not entitled to a refund. This has caused me more stress and anguish placing me in a terrible mental state not being able to further provide what my daughter need for college. See you all in court.

  
  Sincerely,
  
  ***********************************

• Initial Complaint

  Date:08/16/2022

  Type:Sales and Advertising Issues
  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.

  My name is ************************* I filed a complaint with SMIone August 10, 2022. My case number is 22081001642C. My card was lost/stolen since May 1, 2021, the last time I remember using my card was at Safari Nation and ********* in April 2021. I decided to check my account online to see if there were any funds deposited since my son's father had been released because I needed gas and food until payday and I realized that there had been funds deposited and that someone was using my card for cash app and other purchases. (However, the cash app that was using taking my money is in no connection to me at all.) without me knowing. I was unaware of these transactions. The address on file was also changed to ********************************************************************* (says SMIONE representatives), However, I have no clue what address that is or who it belongs to. My previous address was ************************* Trlr 86 ********** **.Also, my old number was attached to my account. All of the information I am providing can be looked into through my SMIONE account. I believe that it was lost/stolen during the time I relocated to my new home at *************************************************************. A total of $478 was taken. August *******, the fraud team email me saying they investigated and see know foul play and this is incorrect because if I didn't use the money then who did?

  

  Business Response

  Date: 08/22/2022

  Thank you for taking the time to bring this to our attention. We have looked into your concerns regarding the recent dispute filed on your behalf and attempted to contact you at the phone number on file.Unfortunately, we could not connect with you.

  
  Our records show that your smiONE card was replaced on August 10, 2022, and we investigated the disputed activity. If you have additional information or if we can assist you with requesting a copy of the documentation used in the final determination, please call us as soon as you can.

  
  Should you have additional questions about your smiONE Card Account or want to discuss your concerns further, our agents are available 24 hours a day at ***********. Please know the smiONE Dispute Team is happy to assist you with any dispute-related concerns Monday through Friday from 7 a.m.to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.

  
  We look forward to serving you in the future!

  
  Sincerely,
  The smiONE Team

• Initial Complaint

  Date:08/13/2022

  Type:Sales and Advertising Issues
  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.

  7/29/2022 i had called them to inform them my card was missing. when i called they said my card was canceled to unusual activity. My card was use at multiple place cash app uber eats door dash etc. they denied my claim. which i didnt understand they really took my kids money and dont care.

  

  Business Response

  Date: 08/19/2022

  Thank you for your time and feedback. smiONE is committed to protecting our customers from fraud, and we have looked into your concerns regarding a recent dispute filed on your behalf.
  

  Our records indicate you called the smiONE contact center on July 29, 2022, to replace your card and to file a dispute for multiple unrecognized transactions. We sent the final resolution notification of this dispute to you via email, on August 12, 2022. If we can assist you with requesting a copy of the documentation used in the final determination, or if you wish to discuss your concerns further, please call us at your earliest convenience.

  
  Should you have additional questions about your smiONE Card Account, our agents are available 24 hours a day at ***********[JC1] .Please know the smiONE Dispute Team is happy to assist you with any dispute-related concerns Monday through Friday from 7 a.m. to 8 p.m. CST/ 8 a.m. to 9 p.m. EST.

  
  We look forward to serving you in the future!

  
  Sincerely,

  
  The smiONE Team