civista bank tax refund

RD:8e$U( ((G+~NDa9y3)R2|{+V'}6~:k8WNeJ"]^iqwxB&QF)dL@89 has a phone contact page at the following link. Scammers will send you an email pretending to be from the IRS, often with threatening or urgent subject lines demanding payment.. Yes, if you chose to pay product fees through them. Get the roic charts for Civista Bancshares (CIVB). in Mand Been with Intuit for going on 6 years now. Terms and conditions are subject to change without notice. In-season Fast Cash Advance available first day of filing. Im waiting for my refund from them. When checks are presented for payment, we will notify you of any unmatched items to review online and decision the exceptions for pay or return. There was a letter saying they had a problem with my direct . Many Americans use their tax refund as a way to treat themselves to things normally outside their budget. Civista FraudEYE can alert you by phone, email or text for suspicious activity on your Civista Business Debit Mastercard. Individuals may call Treasury Fiscal Service at 1-800-304-3107 with questions about their delinquent debt. tool. IRS contact information is available on the IRS website (www.irs.gov). 1. directs you to contact us. 11. Stay up to date with the latest news and learn how to keep you and your family safe online. might be required. Sat: 7am - 4pm. 28) What competitive positioning can attack a more -for-more strategy by introducing a brand offering with comparable quality at . Accountant's Assistant: Any changes to your direct deposit account? Visit Vaccines.gov. Business Check. endstream endobj 2487 0 obj <>stream The $20 fee is a bank charge by SBTPG's bank for the failed direct deposit and the issuance of a paper check in the mail. 2019 Compare our traditional and specialty checking accounts today. Check the status of your refund UPDATE: If you are filing before February 15th your refund may be delayed due to PATH Act and the IRS "Where's my Refund" will not be updated until a few days after February 15th. Simply provide your banking information to the IRS at the time you are submitting your taxes. Years in Business: 32. Business Started: 1/1/1991. @Cksells66 Santa Barbara Tax Products Group, LLC (SBTPG) is the bank that handles the Refund Processing Service when you choose to have your TurboTax fees deducted from your refund.This option also has an additional charge from the bank that processes the transaction. The description herein is a summary and intended for informational purposes only and does not include all terms conditions and exclusions of the policies described. And they can use or sell your personal information on the Dark Web for tax-related identity theft. Dont have a savings? Secondly, the IRS has limited the number of refunds that can be electronically deposited into a single financial account or pre-paid debit card to three. Then they cut you a paper check instead and charge you for it. Related: Someone Claimed Unemployment in My Name. This is really helpful. Consolidate multiple checking account balances into one. If possible, financial institutions should encourage their customers that wish to receive their tax refund by direct deposit to double check their bank account and the institutions routing number they enter on their return to prevent a misdirected payment. Imagine the inconvenience and financial consequences from stolen checks and fraudulent account access to name just a few. You agree that the total fees charged by your tax preparer for preparing your 2015 tax return are correctly itemized . endstream endobj 2484 0 obj <>stream ULDTL;)u} |V2Xf!g`ze %AtB9f9i`[^ T6Yy'G(sAotDw42zc4%%o|.GuN Both are available 24 hours a day, 7 days a week. Just a little nervous is this a legitimate check? Watch for my complete answer below explaining more about how that works. H\j >w%PrNReby6l*s)do@q;@. Yes. The fee for this service is $20 and is offered using Civista Bank. This is a public user forum and the whole world can see what you post. Can someone steal your identity if they have your ID? The IRS doesn't accept gift cards or cryptocurrency as payment, so anyone asking is a scammer. When expanded it provides a list of search options that will switch the search inputs to match the current selection. As a general rule, when an RDFI is in doubt, it should return any refunds to the Treasury Fiscal Service. Civista Banking is one of 2 banks used for the refund processing service if you chose to pay the Turbo Tax fees out of your Federal refund. Refund Transfers are bank deposit products offered Santa Barbara Tax Products Group (TPG), using Civista Bank, Member FDIC, that enable certain deductions from the account to be processed. How it works: This scam happens after you receive a direct deposit refund either real or fraudulent. Mine sat for 3 weeks unopened because I was expecting an electronic deposit. HUmo"9D L^Nt=jVte:>0v8vy7s&YpDI%t @K%#E]o-f k]~.WvzOy YALa\({vrsB] yaQgx7g g^1(a"2^2J3 Youll set up a new six-digit passcode each year youll use to send in your returns. IRS scams take on all shapes and sizes. Calling us will not speed up your refund. Spending money on electronics, clothes or evenings dining out may be exciting, but there are smarter ways to spend your tax refund. Fees apply. How do I contact the Internal Revenue Service (IRS)? How it works: Scammers can also pretend to be from real or fake tax agencies on the phone. A taxpayer can contact their local IRS office or Taxpayer Advocate located in all 50 states, the District of Columbia, and Puerto Rico with questions. It is a account that Civista Bank uses to keep your money. IRS may request the RDFI to return any funds available in the account, but the RDFI is not legally required to do so. The RDFI could contact IRS at 1-800-829-1040 to report the questionable payment. And for ultimate peace of mind, consider Auras identity and financial fraud protection service. My bank closed my savings account due to low funds, and did not inform me. Terms and conditions are subject to change without notice. Cost is $4 or less for checks up to $1,000 and $8 or less for checks up to $7,500. If you chose to pay your TurboTax fees out of your Federal refund, When you go to file your taxes, you'll get an alert from the IRS that someone else has already filed as you. endstream endobj 2485 0 obj <>stream Websites using https in the address bar indicate a secure site. Incentive paid as long as IRS tax refund is deposited to the GO2bank Visa Debit Card. If an individual owes money to the federal government because of a delinquent debt, Treasury Fiscal Service can offset the individual's tax refund. High loan approval rates means you enjoy more happy clients and more positive word of mouth. The third party processor will deduct the TurboTax fees plus the service charge and then attempt to direct deposit the remaining refund balance into the account that you entered on your tax return. As I previously stated, Turbo Tax has done ABSOLUTELY NOTHING to help me recover my refund!! When you are having your fees taken out of your refund, you are not getting the refund from the IRS, the IRS is sending you to the authorized provider. [oiJmK`OQqZc5z^@9T7^trU!LY#YJlpH bmn!vl}[8kl$XXGx~Y?+:^.go]4{H/Y . ;e Yes. H\j >w%PrNReby6l*s)do@q;@. $39.95 incentive paid by 6/30/23 for taxpayers with Fast Cash Advance and IRS-funded Refund . At the intermediary bank the fees are subtracted, then the rest of your I spent my last 11 years at the I.R.S. Sun: 8am - Noon . To begin the identity theft reporting process, use the universal ID Theft Affidavit at https://www.identitytheft.gov to have a fraud alert placed on your credit file. How to avoid it: Remember that the IRS will never contact you over email. All verified tax preparers have an IRS Preparer Tax Identification Number (PTIN) which you can request. Get a reference number, hang up, and call back from an official phone number. Process 40+ RTs and get a free premium marketing kit. But in both cases, the information or money goes to a tax scammer instead. Tip: To get back to the Fiscal Service home page, click or tap the logo in the upper left corner. But it's a hoax. Yes. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view. The check limit at Walmart in Connecticut is $6,000 and Florida is $1,999.99 per person per day. Access a library of free videos and digital ads you can use for social media, your website, email, and more. You can also search for them in the official IRS directory., How it works: If you get an email from the IRS demanding you send a tax form, beware. https://ttlc.intuit.com/questions/2565973-how-do-i-review-my-fees-in-turbotax-online. 11085 N Torrey Pines Rd Ste 210, La Jolla, CA 92037-1015. You can still get all the benefits of Direct Deposit by getting your tax refund deposited into your account. All of these registered trade names are used by, and refer to, a single FDIC-insured bank, Green Dot Bank. Yes. A Refund Transfer Fee and all other authorized amounts will be deducted from the taxpayer's tax refund. Click here to close the Online Banking Modal, Click here to scroll back to the top of the page, Click here to close the quick links modal. Direct Deposit combined with IRS e-file provides taxpayers with the fastest and safest way to receive refunds. And the problem is only getting worse.. Dealing with the IRS can be scary. Use the IRS2Go mobile app or the Wheres My Refund? View refund status. Less commonly there can be delays at the intermediary bank, and additional ID info, etc. I received a refund check from Civita Bank my bank won't cash it they think it is a scam does the irs use this bank. Suspendisse varius enim in eros elementum tristique. Read about more examples of fraud here. . Step 2 - Check with TPG d0R0gKTO:%\uZs.. jXDBDT E(Dq4u 9txxCJ$4Fwhu7!+ for any reason the second deposit fails (the one that is actually to I believe this was done on purpose so that they could charge me the $20. The bank takes out your fees and then that bank sends the rest of the refund to you. Learn how to prevent identity theft if your ID gets lost or stolen. Consolidating funds from multiple accounts into one with more ease? How to avoid it: Avoid downloading attachments (even PDFs) as they can contain malware. How to avoid it: Set up an Identity Protection PIN (IP PIN). endstream endobj 2482 0 obj <>stream 1 Refund Transfers are deposit products using Civista Bank, Member FDIC, that enable certain deductions from the account to be processed. **Disclaimer: Every effort has been made to offer the most correct information possible. The poster disclaims any legal responsibility for the accuracy of the information that is contained in this post. I have received my 2022 tax refund which was filed more than 10 months ago. Postal Service.. Further, any testimonials on this website reflect experiences that are personal to those particular users, and may not necessarily be representative of all users of our products and/or services. But to get the money, you'll need to click a link and confirm personal or financial information. above. vp7yvnBZ*=9zy=ZSJq4o/'c\AO~px9/}h9wGX 0 Yes, I have the documentation from Santa Barbara Tax Products Group showing the account number that they submitted to my bank. Title 31 of the Code of Federal Regulations, Part 210 (31 CFR Part 210) requires federal payments be sent to a deposit account at a financial institution in the name of the recipient. We issue most refunds in less than 21 calendar days. Business Incorporated: Bulk Data Formats for Salary and Vendor/Miscellaneous Payments, Circular 176: Depositaries and Financial Agents of the Federal Government (31 CFR 202), Circular 570: Treasurys Approved Listing of Sureties, Combined Statement of Receipts, Outlays, and Balances of the United States Government, Exchange Rates (Treasury Reporting Rates of Exchange), Federal Disbursement Services (formerly National Payment Center of Excellence), FM QSMO Financial Management Quality Service Management Office, FMSC Financial Management Standards Committee, Financial Report of the United States Government, International Treasury Services (ITS.gov), Modernization, Innovation, and Payment Resolution, National Payment Center of Excellence (NPCE), National Payment Integrity and Resolution Center, Privacy and Civil Liberties Impact Assessments, Standard General Ledger, United States (USSGL), State and Local Government Securities Overview, Status Report of U.S. Treasury-Owned Gold, Free Tax Return Preparation for Qualifying Taxpayers | Internal Revenue Service (irs.gov), The Alcohol and Tobacco Tax and Trade Bureau, Community Development Financial Institutions Fund, Financial Crimes Enforcement Network (FinCen), Office of the Comptroller of the Currency, Company Name field will show IRS TREAS 310 (Note: 449 will appear instead of 310 for refunds which have been offset for delinquent debt); and. 1 This product provided by Santa Barbara Tax Products Group, LLC enables certain deductions from the account to be processed. Tax refund and e-filing are required in order to receive Refund Transfer. This is a public web site that can be seen by anyoneincluding scammers and would-be identity thieves who would love to contact you and pretend to be from TurboTax. When . Terms and conditions are subject to change without notice. Get more info here. A temporary account is opened in one of those 2 banks in your name to receive your deposit before it later goes on to your bank. Your money will always be in your account on time. It's my tax refund but it's missing over 700 dollars and I owe no taxes, my TurboTax fees for federal was only supposed to take 117 and I paid my state from my own wallet. No more special trips to your institution to deposit your check a nice feature if you are busy, ill, away from home, located far from a branch or in a place where parking is hard to find. This limit has been put in place to prevent fraudulent refund payments from being made to a single account. Customer must obtain a Refund Transfer (separate fees apply). %PDF-1.6 % JavaScript Disabled 2 TPG is not sponsored or endorsed by or otherwise affiliated with Wells Fargo Bank, N.A.. Checks may be cashed at Wells Fargo Bank branch locations. If the RDFI learns that an IRS tax refund has been misdirected to the wrong account, the RDFI is required under 31 CFR Part 210 to notify the Government of the error. Deposits under any of these trade names are deposits with Green Dot Bank and are aggregated for deposit insurance coverage up to the allowable limits. for 33 years. Some of the more common scams are PPPfraud and people claiming you're due extra or overdue stimulus payments or unemployment checks.. In-season Fast Cash Advance available first day of filing. The IRS flagged over $5.7 billion in tax fraud in 2022 alone 2023 is looking just as bleak with refund scams abound [*]. Call 844-280-8229 now. That bank gets your refund first from the IRS. 2496 0 obj <>/Filter/FlateDecode/ID[<26F1684F93AA6447B8B0DF9EEB7DC737>]/Index[2478 35]/Info 2477 0 R/Length 89/Prev 219210/Root 2479 0 R/Size 2513/Type/XRef/W[1 2 1]>>stream If you are due any additional refunds, the IRS will send you a notice informing you that the direct deposit limit has been exceeded, and that you should receive a refund check instead of the direct deposit you requested in approximately four weeks if there are no other issues with the return. Tax refund and e-filing are required in order to receive Refund Transfer. A) Selective grouping B) Perception C) Personality D) Self-actualization E) Learning. The . You may also call the Federal Trade Commissions toll-free ID Theft Hotline at 1-877-IDTHEFT (1-877-438-4338) for more information. Terms and conditions are subject to change without notice. This full-service, reloadable debit card features free ASAP Direct Deposit , ATM access, no overdraft fees ever, and a mobile app to manage your money 24/7. If you chose a Refund Transfer you will not see your bank account and routing numbers - but the account and routing numbers of Civista Bank on your Form 1040 PDF. Choose a PIN that is easy to remember, but not easy for others to figure out. But any money or information you give up goes to a crook, not the IRS. Oh, okay - thanks! Filing status. Refund Transfers offered by TPG are are deposit products using Civista Bank, Member FDIC, that enable certain deductions from the account to be processed. Limited offer! They will not respond to emails or phone calls. Refund Transfers are deposit products using Civista Bank, Member FDIC, that enable certain deductions from the account to be processed. In this scam, a fraudster will claim your Social Security Number has been or will be revoked or suspended due to some tax issue., How to avoid it: Hang up, delete the email, and ignore the scam. You will get scammed and your bank account stolen. Find COVID-19 vaccines near you. The company that It's MVB bank in Allen,Texas, phone number is West Virginia. Refund Transfers are not loans. Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, Click here to close the Online Banking Modal, Click here to scroll back to the top of the page, Click here to close the quick links modal. All adult members get all the listed benefits. tool. Duis cursus, mi quis viverra ornare, eros dolor interdum nulla, ut commodo diam libero vitae erat. Please read Our phone and walk-in representatives can only research the status of your refund if it has been 21 days or more since you filed electronically, more than 6 weeks since you mailed your paper return, or Wheres My Refund? x9.^DOUntrLr~]VjN c^4;N6Y^9`s'?I" @Z\%0F{+6O*zrgwVVdw Ur_Ez uv/b%m5Nf}~h]~_E ;.Tf |?/U?lW OTi~'0q37x6PIN=$\T9#d 9|U Attachments. Terms and conditions are subject to change without notice. Reference the "R17 IRS Returns Opt-In Program" in any communication with NACHA. To easily see your progress toward your goal give your designated savings a nickname to show how the money will be used. Please see this link to contact SBTPG. These requirements include that the card provide pass-through federal deposit insurance; that the card account is not attached to a line of credit upon which repayment is triggered by delivery of a federal payment; and that the card provide the consumer protections that apply to payroll cards under Regulation E. Yes. Tax refund and e-filing are required in order to . B#b;T-64WG) 9ctbz0z]iNT f!9[9 Cb%6|^%9i0w# =[* What are the top cities near Citeureup with open tax lawyer jobs? . Upon receipt, Treasury Fiscal Service will cancel the direct deposit payment and advise IRS. if you chose to have your TurboTax fees deducted from your federal refund then the banking information on the tax form is the information to send your refund to the third party bank. C5'zkQRB eFZD\IFA[f5c+om P(fHn4>>fq|'[wjxm_RVn 10J ,a6PlVy! They take out your TurboTax fees and send the rest to you---and that bank has YOUR direct deposit information. Find top links about Civista Bank Netteller Login along with social links, FAQs, and more. Education Business expenses Charitable donations Family and dependents Healthcare and medical expenses Homeownership. Save up to 50% on annual plans. In January 2013 NACHA, The Electronic Payments Association, implemented an opt-in program at the request of IRS and Treasury Fiscal Service to allow RDFIs to more easily reject refunds if the name did not match the account number and/or if the financial institution suspected fraud. Although an RDFI is not liable for a misdirected IRS tax refund sent to the wrong account because of IRS or taxpayer error, the RDFI is encouraged after it becomes aware of the error to return those funds to the IRS if the funds are still available in the account. Not using e-file? They are the worst bank you wont get your deposit till the day of with the turbo card netspend you might get it early but not the turbo card. Stay a step ahead of fraud. Fraudulent! Get 20 years of historical annual bank non-interest income charts for CIVB stock and other companies. If they need to contact you, theyll do so first with a letter. While you're still legally eligible for your refund, the process to confirm your identity is complicated. Tax Refund Frequently Asked Questions. YIKES edit your post and remove your bank info! Please enter the details of your request. If you have several years of unpaid taxes and have not responded to multiple letters, the IRS may call you or visit in person. Coverage may not be available in all jurisdictions. F File 2020 Tax Return. 45+ Fraud Prevention Tips to Make It Out of 2023 Unscathed. A SSN Monitoring service can help alert you if someone is using your Social Security number without your consent. I've tried contacting TurboTax for the reason why I am . You can start checking on the status of your tax return within 24 hours after we have received your e-filed return or 4 weeks after you mail a paper return. The Department of the Treasury's Bureau of the Fiscal Service and the Internal Revenue Service both encourage direct deposit of IRS tax refunds. Civista Bank, upon receipt of funds from the IRS, will deposit the funds into the bank account provided by you. My federal refund check was sent back by my bank due to insufficient banking information. File 2019 Tax Return. 60-day money back guarantee is only available for our annual plans purchased through our websites (excludes Amazon) or via our Customer Support team. I is federal tax return. View My Prior Year Return(s) Set up a fraud alert or credit freeze at the three credit bureaus. Our team is here to help you put the right solutions in place for your business. Where to cash a TPG-issued check; Account. Ji?~>hC:~|hrZ% :,%I/dHA,%SI64NYTuva I think I just recieved my state refund but I am missing $124.80 . Be aware of unsolicited emails and text messages. Search Tax lawyer jobs in Citeureup, West Java with company ratings & salaries. IRS will research the payment and will direct the Fiscal Service to issue a refund by paper check to the taxpayer's address of record. Must be enrolled in the standard Refund Transfer program to qualify for standard pricing; all discount programs offered through TPG are subject to other pricing. Direct Deposit with Refund Transfer. TaxSlayer Simply Free includes one free state tax return. Refund Transfers are not loans. Jan 17, 2023 7:39 pm EST. Direct Deposit combined with IRS e-file provides taxpayers with the fastest . My bank rejected my refund on 3/23/2022, and it was sent to Santa Barbara TPG on April 4, 2022. &e}V.)a>2 baw0wg{H'?I(iK%n]i9|K."IQ. f17`}`K +D/704Z\`Wlr#JePm*cL,Qst2ovj@--Bq#.9Y7d10 Consider some financially smart options when deciding how to use your tax refund money this year. Credits and deductions. File 2017 Tax Return. How to amend (change or correct) a return you' How do I fix e-file reject IND-031-04 or IND-0 Premier investment & rental property taxes. Protect your accounts using strong, unique passwords and two-factor authentication. Add file or drop files here. Accountant's Assistant: The Accountant can help with the status of your payments. Tax refund scams are a type of financial fraud where criminals impersonate IRS agents or other government representatives and attempt to trick you into sending them personal information or giving them access to your tax refund., Tax scams are lucrative for scammers because few of us have experience dealing with the IRS. So now I have to file a fraud claim with the IRS. What made you say it was a scam. Thats why Civista Bank provides a wealth of tools to help better utilize your resources and increase overall business efficiency. All loans have an Annual Percentage Rate (APR) of 35.99%. Actual prices are determined at the time of print or e-file. Theyll claim your refund was too high, and youll need to return the extra money, usually via wire transfer or gift cards.. Keep in mind free public wifi connections are not always secure. 4 Customer must obtain a Refund Transfer (separate fees apply). Your refund should only be deposited directly into accounts that are in your own name, your spouse's name or both, if it's a joint account. For other FAQs about Direct Deposit, download the Direct Deposit FAQs. Instead, press 2 for personal income tax. The Department of the Treasury's Bureau of the Fiscal Service and the Internal Revenue Service both encourage direct deposit of IRS tax refunds. Youve worked hard for your money. Using the wrong filing status to reduce the tax liability. Get the status of your Federal tax refund by visiting the IRS "Where's My Refund?" page. HtVr0+tbH8P,EQd82!|=z pG{yzuYjm.&!-~S_~. File 2016 Tax Return. 3 Based on cost for post-acknowledgment refund advance. As compared to the competition. More. "We" and "our" refer to BANK and/or Servicer. More. This isn't about the $20 anymore. Thank you so much! Federal tax refund payments are not protected against offset by a financial institution. Paying down your line of credit? The RDFI does need to take action to return funds and limit its liability if it discovers that federal benefit payments, such as Social Security payments, are also being received in the name of the deceased accountholder since recurring benefit payments are subject to reclamation. Personal Check. You could even end up with malware on your device that can steal your information or let scammers hack your email without you even knowing. ?G8j4CUav!jE;=MF}~O&1.S-g8d''*ZW^MGPbKts.M;v/ld-HgUT[>SQy}4g7yJPA&bEdV3GfyOi6}?JL^Q7T"k}KR Saving for retirement throughout the year can be difficult. A general telephone number for inquiries is 1-800-829-1040. If an RDFI receives a tax refund for a deceased account holder, it is not required to take any further action. Currently, check cashing at Walmart is not available in NJ and NY. Whats most important right now? They may even try to steal your Child Tax Credit with information they trick you into sharing. Here is a list of the 50 most common banks that routingtool.com customers look up: - Wells Fargo Bank. $39.95 incentive paid by 6/30 . RapidRefund.net offers the direct deposit with refund transfer option. They may be compensated as a marketing affiliate of Aura, but their ratings are all their own. Pay down your line of credit with excess funds in your checking account by connecting your commercial line of credit to your checking account for automatic fund transfers. Temporarily disable your debit card when not in use with Civista Digital Bankings Debit Card Control features. The sooner you file, the less time you give fraudsters to impersonate you. Unfortunately, yes. Clients are notified the moment they are approved, reducing phone calls from clients asking if they are approved. Ask tax questions and get quick answers online. in Mand BBA- Specialization: Accounting, MBA- Specialization: Asset Management, EA. . Did you know? The caller may give you a badge number, which can be fake, or even know your SSN, which can be stolen. You do not have to worry about lost, stolen or misplaced checks. For example, the Taxpayer Advocate Service or the Bureau of Tax Enforcement. SSN. .. Click here to close the Online Banking Modal, Click here to scroll back to the top of the page, Click here to close the quick links modal. Lenders use many different credit scoring systems, and the score you receive with Aura is not the same score used by lenders to evaluate your credit. They can file claims in your name and collect a refund from the government. Fraud is real and can be damaging to your business' future. I7|UqA.muvr|C?[a$! I did find the account and routing number for where my refund went. If you are still unable to resolve the login problem, read the troubleshooting steps or report your issue . This message will either ask you to click a link and verify your personal information or tell you to pay a fee to receive payments. Yes, the number of refunds that can be electronically deposited into a single financial account or pre-paid debit card is limited to three. With this option your tax refund is directly deposited in your bank account by the IRS or your state agency in less than 21 days. If you used a tax professional call: 800-901-6663 . I received a check today from Civista Bank. There has never been an issue until Santa Barbara Tax Products Group and Turbo Tax handled my money. Offer clients a larger refund advance at tax time. If you move without changing financial institutions, you will not have to wait for your check to catch up with you. https://www.sbtpg.com/">https://www.sbtpg.com/stream 4 GO2bank cards are issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Last 4 of SSN. Consider paying down your mortgage or making improvements or needed repairs to increase your homes value. But if you hover over or click on their name, it will reveal their actual email. If needed, you may also call SBTPG at 877-908-7228.