In order to fully respond to this complaint, more information is needed. We are unable to locate the customer's record(s) with the information provided in the complaint. It would be most helpful if the customer contacted BofI Federal Bank at [redacted] x[redacted] so that we may further...
Please find the attachment for the response to the complaint. Thank you, ComplianceDear [redacted]:Please allow this letter to serve as a response to the complaint that you lodged against BofI Federal Bank (“the bank") with the Revdex.com (Revdex.com) and the Office of the Comptroller of...
the Currency (0CC).On November 12, 2015, your checking account was funded with a $100.00 transfer from a credit card. On November 16, 2015 we received notice that the $100 transfer to open your account was declined as “not authorized/fraud" from the credit card company, At that time, the bank made the decision to shut down all services on your account. Your account was closed once the fraudulent return was processed on November 18, 2015.As you are aware, you spoke with our customer service representative on November 16th 2015 and were informed that your account would be closed on November 18th 2015.Please feel free to contact us if you have any other questions.Sincerely, [redacted] FVP/ Retail Compliance Manager
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted] (ID #[redacted]). Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on February 12, 2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely, [redacted] Compliance Officer
May 2, 2017This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. Bof Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 2, 2017.In order to protect...
consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at ###-###-#### [redacted].Sincerely,[redacted] Compliance Officer
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted]lD # [redacted]. BofI Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 17,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted] x[redacted].Sincerely,[redacted] Compliance Officer
This email is to acknowledge receipt of your correspondence from [redacted]. BoflFederal Bank takes consumer feedback very seriously. We have fully reviewed this matter and adetailed response has been emailed directly to the consumer on May 17, 2015.In order to protect consumer privacy,...
we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
April 25, 2017This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on April 17, 2017.In order to protect...
consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at ###-###-####.
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [[redacted] # [redacted]]. Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on March 7,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
Dear Mr. [redacted]:We are in receipt of your letter to the Revdex.com and appreciate the opportunity to provide this response.Our records indicate that your application for a new account was completed and submitted to us on March 4, 2016. From there, we conducted due diligence on your company, signers, and industry. Since we rarely meet our clients in person, our due diligence must necessarily be thorough and findings must be within the bank's risk tolerance in a combination of up to eight criteria (for example: credit risk, market risk, compliance risk, transaction and operating risk, reputation risk, interest rate risk, etc.).After careful deliberations on your application, our decision concluded that your banking relationship posed potential risk beyond our tolerance. There was not one single factor or area that led to our decision. Rather, it was a combination of the information available to us as it pertained to our risk management criteria and thresholds that resulted in our decision.I understand that we communicated that decision with you on or about May 10, 2016. While that process took longer than we normally resolve, it was lengthened by the discussions required and by our banker's advocating on your behalf. While I stand by our decision to forego a banking relationship with you, I regret that we were not quicker to communicate that with you.I am happy to hear that you have established a new banking relationship and I apologize for any inconvenience that we may have caused you. Please contact me direct at [redacted] if you wish to discuss this matter further.Sincerely Yours,[redacted]FVP, Business Banking
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I did see the letter that B of I sent the Revdex.com. However, they never sent me any emails relating to the matter nor have they called me.
Regards,
[redacted]
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted]. BofI Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on March 16,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely,[redacted] Compliance Officer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I feel like you are not getting what I am saying - please do not blame this on [redacted]. I feel the problem is with his boss, Mr [redacted]. I did get angry Mr [redacted], when I asked him to redo the papers for the third time (to remove the impound account) because he promised to get back to me in the morning, and nothing happened until late that day (after I sent him some angry emails), but when I did hear, I heard from Mr. [redacted]. Then I asked for a new agents, and Mr [redacted] told me he would take over, which was not what I wanted, because I was pretty sure it was his fault I did not hear in the time frame that Mr. [redacted] had given me.Also, nothing you say will ever make me believe that the 45-60 day time frame was anything beyond a passive aggressive act by Mr. [redacted]. Several other loan companies had quoted the 30-45 day number. I would also like to point out that First Choice, the lender who stepped in to fix this mess, has managed to do it in 31 days. When they took over the job, they pretty much agreed to get it to me within the 45 day window you promised me from the day I started with your company, thus doing it faster than they normally would. I am having trouble understanding why First Choice was able to step up and fulfill your promises and Mr [redacted] was absolutely intractable when asked to expedite the third set of loan documents (in fact taking considerably longer than the first (albeit incorrect) set had taken. He was equally intractable when I requested he speed up the process to keep with the original time frame. When I started with your company, I made it clear I needed the money by June 4th. I am grateful to the people at First Choice for making that happen, and will be continue to be appalled by the way I was treated by Mr [redacted].So, how is this resolved? that ship passed when it took you so long to respond to my initial complaint. I made that as a last ditch effort to get my loan out of the mess it was in. I wanted to make it work, but if I had stuck with BofI, I never would have received the money in time. I naively assumed that when I sent you that complaint, you would get things done. Because we all know, that if anyone at BofI would have shown any interest in working with me, you could have given me the same service I received at First Choice. Mostly, I think your response is just spin.
Regards,
[redacted]
This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. BoflFederal Bank takes consumer feedback very seriously. We have fully reviewed this matter and adetailed response has been emailed directly to the consumer on May 28, 2015.In order to protect consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
May 10, 2017This email is to acknowledge receipt of your correspondence from [redacted] ID#[redacted]. Bof Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 10, 2017In order to protect...
consumer privacy, we are unable to provide you with the details. If you hav any questions or concerns, I may be reached at ###-###-####. -Sincerely,[redacted] Compliance Officer
In order to fully respond to this complaint, more information is needed. We are unable to locate the customer's record(s) with the information provided in the complaint. It would be most helpful if the customer contacted BofI Federal Bank at [redacted] x[redacted] so that we may further...
investigate this matter.
Please find the attachment for the response to the complaint. Thank you, ComplianceDear [redacted]:Please allow this letter to serve as a response to the complaint that you lodged against BofI Federal Bank (“the bank") with the Revdex.com (Revdex.com) and the Office of the Comptroller of...
the Currency (0CC).On November 12, 2015, your checking account was funded with a $100.00 transfer from a credit card. On November 16, 2015 we received notice that the $100 transfer to open your account was declined as “not authorized/fraud" from the credit card company, At that time, the bank made the decision to shut down all services on your account. Your account was closed once the fraudulent return was processed on November 18, 2015.As you are aware, you spoke with our customer service representative on November 16th 2015 and were informed that your account would be closed on November 18th 2015.Please feel free to contact us if you have any other questions.Sincerely, [redacted] FVP/ Retail Compliance Manager
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted] (ID #[redacted]). Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on February 12, 2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely, [redacted] Compliance Officer
May 2, 2017This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. Bof Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 2, 2017.In order to protect...
consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at ###-###-#### [redacted].Sincerely,[redacted] Compliance Officer
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted]lD # [redacted]. BofI Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 17,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted] x[redacted].Sincerely,[redacted] Compliance Officer
This email is to acknowledge receipt of your correspondence from [redacted]. BoflFederal Bank takes consumer feedback very seriously. We have fully reviewed this matter and adetailed response has been emailed directly to the consumer on May 17, 2015.In order to protect consumer privacy,...
we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
April 25, 2017This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on April 17, 2017.In order to protect...
consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at ###-###-####.
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [[redacted] # [redacted]]. Bofi Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on March 7,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
Dear Mr. [redacted]:We are in receipt of your letter to the Revdex.com and appreciate the opportunity to provide this response.Our records indicate that your application for a new account was completed and submitted to us on March 4, 2016. From there, we conducted due diligence on your company, signers, and industry. Since we rarely meet our clients in person, our due diligence must necessarily be thorough and findings must be within the bank's risk tolerance in a combination of up to eight criteria (for example: credit risk, market risk, compliance risk, transaction and operating risk, reputation risk, interest rate risk, etc.).After careful deliberations on your application, our decision concluded that your banking relationship posed potential risk beyond our tolerance. There was not one single factor or area that led to our decision. Rather, it was a combination of the information available to us as it pertained to our risk management criteria and thresholds that resulted in our decision.I understand that we communicated that decision with you on or about May 10, 2016. While that process took longer than we normally resolve, it was lengthened by the discussions required and by our banker's advocating on your behalf. While I stand by our decision to forego a banking relationship with you, I regret that we were not quicker to communicate that with you.I am happy to hear that you have established a new banking relationship and I apologize for any inconvenience that we may have caused you. Please contact me direct at [redacted] if you wish to discuss this matter further.Sincerely Yours,[redacted]FVP, Business Banking
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I did see the letter that B of I sent the Revdex.com. However, they never sent me any emails relating to the matter nor have they called me.
Regards,
[redacted]
Please refer to attached document.This email is to acknowledge receipt of your correspondence from [redacted]. BofI Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on March 16,...
2016.In order to protect consumer privacy, we are unable to provide you with the details. If you have any questions or concerns, I may be reached at [redacted].Sincerely,[redacted] Compliance Officer
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I feel like you are not getting what I am saying - please do not blame this on [redacted]. I feel the problem is with his boss, Mr [redacted]. I did get angry Mr [redacted], when I asked him to redo the papers for the third time (to remove the impound account) because he promised to get back to me in the morning, and nothing happened until late that day (after I sent him some angry emails), but when I did hear, I heard from Mr. [redacted]. Then I asked for a new agents, and Mr [redacted] told me he would take over, which was not what I wanted, because I was pretty sure it was his fault I did not hear in the time frame that Mr. [redacted] had given me.Also, nothing you say will ever make me believe that the 45-60 day time frame was anything beyond a passive aggressive act by Mr. [redacted]. Several other loan companies had quoted the 30-45 day number. I would also like to point out that First Choice, the lender who stepped in to fix this mess, has managed to do it in 31 days. When they took over the job, they pretty much agreed to get it to me within the 45 day window you promised me from the day I started with your company, thus doing it faster than they normally would. I am having trouble understanding why First Choice was able to step up and fulfill your promises and Mr [redacted] was absolutely intractable when asked to expedite the third set of loan documents (in fact taking considerably longer than the first (albeit incorrect) set had taken. He was equally intractable when I requested he speed up the process to keep with the original time frame. When I started with your company, I made it clear I needed the money by June 4th. I am grateful to the people at First Choice for making that happen, and will be continue to be appalled by the way I was treated by Mr [redacted].So, how is this resolved? that ship passed when it took you so long to respond to my initial complaint. I made that as a last ditch effort to get my loan out of the mess it was in. I wanted to make it work, but if I had stuck with BofI, I never would have received the money in time. I naively assumed that when I sent you that complaint, you would get things done. Because we all know, that if anyone at BofI would have shown any interest in working with me, you could have given me the same service I received at First Choice. Mostly, I think your response is just spin.
Regards,
[redacted]
This email is to acknowledge receipt of your correspondence from [redacted] #[redacted]. BoflFederal Bank takes consumer feedback very seriously. We have fully reviewed this matter and adetailed response has been emailed directly to the consumer on May 28, 2015.In order to protect consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at [redacted].Sincerely,[redacted]Compliance Officer
May 10, 2017This email is to acknowledge receipt of your correspondence from [redacted] ID#[redacted]. Bof Federal Bank takes consumer feedback very seriously. We have fully reviewed this matter and a detailed response has been emailed directly to the consumer on May 10, 2017In order to protect...
consumer privacy, we are unable to provide you with the details. If you hav any questions or concerns, I may be reached at ###-###-####. -Sincerely,[redacted] Compliance Officer