Thank you for sharing this complaint with the Data & Marketing Association (DMA)The company/organization provided the consumer with incorrect and incomplete information. We call this “passing the buck.” DMA does not sell consumer information and we have no control or involvement in a
specific company's mailing listThe DMA is a trade association and not a consumer marketing companyWe offer a consumer opt-out service to ensure individuals do not receive mailings they do not wish to receive (see www.dmachoice.org) and we have guidelines that our members must follow. The complainant did not provide the organization's name or contact information so we cannot contact them on the complainant's behalf. The company should be able to provide the consumer with the exact source of her child’s information and remove the child’s information from its database and not share it with any other company. DMA staff can try to contact the company on the complainant's behalf to seek the source of this information and to ask that they remove from their internal and share listsWe would need the following information to investigate and process: 1) Name and address of minor child that promotional mail is being sent to, and2) Name and contact information of organization sending the promotional mail. The complainant can contact DMA directly at: [email protected]. Please let us know if we can be of further assistance in this matter. Sincerely, Lisa Lisa B*** ***DMA Accountability
After discussing the issue with Elan Credit Card Services concerning this issue. Credit Card Company credited back late fee and interest due. Customer was directly contacted by the bank to advise customer of actual details. Customer was satisfied with results. To
avoid any additional interest, credit card balance will need to be paid in full by due date. Tri City National Bank believe this item is resolved
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is not a vendor issue This is a Tri-City issue I had previously been with Chase and transactions cleared the following day but were documented the same day I was charged, yet again today for another $for a $transaction
Regards,
*** ***
Date: February 9, To: Revdex.com From: Gary R*** *** *** *** *** *** Tri City National Bank Regarding: Case #*** I received a letter from Kathrine *** on February 4, 2016. Ms*** also called me the afternoon of February 4th to discuss the matter. I responded by letter, via email, to Ms*** on Friday, February 5th. On Monday, Ms*** called me to indicate that she had not received her new card yet. I verified with our debit card processing department that the card was ordered on January 28th and was mailed on February 3rd. They said the card will arrive in to business days from date of order. The card should be at the customer’s residence by February 10th. (Originally I estimated she would receive it by Saturday, February 6th.) Ms*** has expressed great dissatisfaction that the bank paid on this purchase. This was a place of business she had used before. The transactions was authorized by the system. The required information for the purchase was submitted. Since she had done a previous transaction with the florist it was considered a low risk transaction. Ms*** indicates she knew of a person who was contacted by their bank when making an ITunes purchase of $100.00, this is because ITunes transactions are at a higher risk for fraud. The system is designed to allow as many low risk transactions as possible to be processed timely for the convenience of the customer The bank normally has the customer contact the merchant directly which can in many instances provide a quick resolution. Ms*** contacted Orchids and Petals floral shop in Iowa concerning the charge. They immediately credited her account back the $1735.90. It would appear the florist had made an error in processing the transaction on the wrong account Ms*** received one overdraft fee of $on January 25th and it was credited back on January 28thNo more fees were ever accessed to the account Ms*** indicated that not having the debit card was making handling her finances difficult because she needed to purchase envelopes and stamps to pay bills until she received her new card. I offered to reimburse her for that expense. She indicated that there should be more for the inconvenience. I indicated that once the matter was resolved we would discuss that subject
Edit of desired resolution: Please contact Tri City National Bank to inquire and follow up as to how customer's account was authorized large transactions without account holder's information Requesting follow up on whereabouts of account holder's bank card as well as customer
service issues
Customer was credited back $66.00. Customer became overdrawn with an ACH for $then had small ACH's for $and $.20. Customer signed up for Regulation E "Opting out" which only pertains only to ATM transactions and everyday debit card transactions. All other
transactions would be processed through allowing transactions to be posted to the account and create an overdraft. Currently customer only has a checking account so overdraft protection is not possible unless she would set up another account to transfer funds from at our bank when this account is overdrawnWe will contact customer directly to review the document she signed
Response to complaint submitted on 7/13/16 ID # [redacted] On July 11th, the bank received two checks you wrote, one for $50.00 and one for $35.00. The bank paid the checks as a courtesy to you, causing your account to be over drawn by $57.74. Your account was...
assessed two overdraft fees of $33.00 for each check, making your account overdrawn by $123.74. On July 12, 2016, five debit card transactions posted to your account. Because the account was already overdrawn, your account was assessed 4 additional overdraft fees. The bank processes all transactions it receives every business day. However, the bank does not control when a merchant submits a transaction for settlement (payment) or when a person you wrote a check to will negotiate that check. The activity in your account is activated by you, the customer. You are responsible for monitoring any outstanding checks and other payments that have not cleared the account. We will rebate two $33.00 overdraft fees totaling $66.00. This credit will be processed today. The other overdraft fees will remain your responsibility. To prevent this from reoccurring, you may want to establish a method of keeping track of outstanding payments. We believe we have addressed the customer’s concerns.
March 7, 2016
Revdex.com of Washington DC/Eastern Pennsylvania
Re: Consumer Name/Address Removal Request:
[redacted] and/or [redacted]
Northbrook, IL 60062
Daytime Phone: ###-###-####
Evening Phone: ###-###-####
E-mail: [redacted].com
Dear [redacted]:
Thank you for...
sharing with the Direct Marketing Association (DMA) the above-named consumer’s concerns about receiving unsolicited promotional mail. We appreciate hearing from you.
Do Not Mail file: We will add [redacted] and [redacted] to our DMAChoice (mail suppression file). She can also register online for free at: https://www.dmachoice.org/register.php. It could take up to 90 days to see an overall reduction in promotional mail since some mail might already be in the “mail stream process”.
It is important to note that this service will not eliminate all promotional mail since only our members are required to subscribe to this service and suppress the names before sending promotional mail to prospective customers. She would still receive promotional mail from member companies that she has a relationship with as a customer. Additionally, it will not affect promotional mail from companies that are not members of the DMA. For instance, he would still receive promotional mail from political campaigns, restaurants, certain charitable organizations, local companies, and other organizations that are not members of the DMA.
As a reminder, the DMA is NOT the source of consumer names for marketing purposes. We do not supply companies with consumer names to send promotional mail. The DMA’s preference services: www.dmachoice.org are meant to assist consumers in reducing the overall volume of promotional mail but it will not stop all promotional mail.
Again, thank you for contacting the DMA with the consumers’ concerns. We hope this information is useful.
Sincerely,
Lisa B[redacted]
DMA Corporate & Social Responsibility Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Tell us why here...Customer's account has been credited back $15.00 for the 3 continuous overdraft fees as of today. Copy of Credit advice is being mailed to customer. In talking with branch staff ,customer was originally requesting regular overdraft fees to be...
reversed. This was denied because of previous requests granted. Because of previous overdraft history, in January of 2016, customer was informed that no additional requests for reversals of overdraft fees would be granted until January of 2017. We appreciate our customers and try to accommodate them as much as possible. However, if presented with items that make the account overdrawn, there are overdraft fees assessed to the account. We apologize that the call to corporate did not get results and brought frustration to the customer. As a bank we always try to listen to the customer's complaint or concern and address the situation. Thank you. [redacted]Executive Vice PresidentRetail Operations
Additional credit given for last overdraft fee of $33. This was credited to customer on July 15th. When using debit card at a merchant, merchant determines when they settle out their credit card and debit card transactions. When the transaction is submitted to us, it gets processed immediately. All other overdraft fees will stand as posted to the account.
The bank will not be refunding any additional overdraft fees. We refunded what the customer requested. The bank believes what the customer originally requested has been satisfied. In the future, should the customer want to speak with corporate they would dial ###-###-#### and ask to speak with a person in the corporate office. [redacted]Executive Vice PresidentRetail Operations
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you!
Regards,
[redacted]
Tried contacting customer by phone but was unsuccessful. Sent email to customer with full explanation and details about the account activity and what caused the overdraft fees. To help with customer situation bank is crediting here account for 3 overdraft fees for a total of...
$105.00 today. The bank believes this complaint is resolved.
I rejected the response because there was a lie in the statement. I did call and ask for a fee reversal of the 5$ consecutive overdraft day fee's. I DID NOT ask for an item fee reversal. I would appreciate if the communication relayed was the truth. This has only given me more of a reason to ask for the overdraft item fee of 33.00$ reversed. I will also not be recommending any one I know to open accounts with TCNB. The customer service they provide is horrible. The bank needs to reorganize how their corporate office is set up to receive calls and complaints. I shouldn't have to call another branch and continually be transferred back and forth. It's outright unprofessional.
Thank you for sharing this complaint with the Data & Marketing Association (DMA)The company/organization provided the consumer with incorrect and incomplete information. We call this “passing the buck.” DMA does not sell consumer information and we have no control or involvement in a
specific company's mailing listThe DMA is a trade association and not a consumer marketing companyWe offer a consumer opt-out service to ensure individuals do not receive mailings they do not wish to receive (see www.dmachoice.org) and we have guidelines that our members must follow. The complainant did not provide the organization's name or contact information so we cannot contact them on the complainant's behalf. The company should be able to provide the consumer with the exact source of her child’s information and remove the child’s information from its database and not share it with any other company. DMA staff can try to contact the company on the complainant's behalf to seek the source of this information and to ask that they remove from their internal and share listsWe would need the following information to investigate and process: 1) Name and address of minor child that promotional mail is being sent to, and2) Name and contact information of organization sending the promotional mail. The complainant can contact DMA directly at: [email protected]. Please let us know if we can be of further assistance in this matter. Sincerely, Lisa Lisa B*** ***DMA Accountability
After discussing the issue with Elan Credit Card Services concerning this issue. Credit Card Company credited back late fee and interest due. Customer was directly contacted by the bank to advise customer of actual details. Customer was satisfied with results. To
avoid any additional interest, credit card balance will need to be paid in full by due date. Tri City National Bank believe this item is resolved
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
This is not a vendor issue This is a Tri-City issue I had previously been with Chase and transactions cleared the following day but were documented the same day I was charged, yet again today for another $for a $transaction
Regards,
*** ***
Date: February 9, To: Revdex.com From: Gary R*** *** *** *** *** *** Tri City National Bank Regarding: Case #*** I received a letter from Kathrine *** on February 4, 2016. Ms*** also called me the afternoon of February 4th to discuss the matter. I responded by letter, via email, to Ms*** on Friday, February 5th. On Monday, Ms*** called me to indicate that she had not received her new card yet. I verified with our debit card processing department that the card was ordered on January 28th and was mailed on February 3rd. They said the card will arrive in to business days from date of order. The card should be at the customer’s residence by February 10th. (Originally I estimated she would receive it by Saturday, February 6th.) Ms*** has expressed great dissatisfaction that the bank paid on this purchase. This was a place of business she had used before. The transactions was authorized by the system. The required information for the purchase was submitted. Since she had done a previous transaction with the florist it was considered a low risk transaction. Ms*** indicates she knew of a person who was contacted by their bank when making an ITunes purchase of $100.00, this is because ITunes transactions are at a higher risk for fraud. The system is designed to allow as many low risk transactions as possible to be processed timely for the convenience of the customer The bank normally has the customer contact the merchant directly which can in many instances provide a quick resolution. Ms*** contacted Orchids and Petals floral shop in Iowa concerning the charge. They immediately credited her account back the $1735.90. It would appear the florist had made an error in processing the transaction on the wrong account Ms*** received one overdraft fee of $on January 25th and it was credited back on January 28thNo more fees were ever accessed to the account Ms*** indicated that not having the debit card was making handling her finances difficult because she needed to purchase envelopes and stamps to pay bills until she received her new card. I offered to reimburse her for that expense. She indicated that there should be more for the inconvenience. I indicated that once the matter was resolved we would discuss that subject
Edit of desired resolution: Please contact Tri City National Bank to inquire and follow up as to how customer's account was authorized large transactions without account holder's information Requesting follow up on whereabouts of account holder's bank card as well as customer
service issues
Customer was credited back $66.00. Customer became overdrawn with an ACH for $then had small ACH's for $and $.20. Customer signed up for Regulation E "Opting out" which only pertains only to ATM transactions and everyday debit card transactions. All other
transactions would be processed through allowing transactions to be posted to the account and create an overdraft. Currently customer only has a checking account so overdraft protection is not possible unless she would set up another account to transfer funds from at our bank when this account is overdrawnWe will contact customer directly to review the document she signed
Response to complaint submitted on 7/13/16 ID # [redacted] On July 11th, the bank received two checks you wrote, one for $50.00 and one for $35.00. The bank paid the checks as a courtesy to you, causing your account to be over drawn by $57.74. Your account was...
assessed two overdraft fees of $33.00 for each check, making your account overdrawn by $123.74. On July 12, 2016, five debit card transactions posted to your account. Because the account was already overdrawn, your account was assessed 4 additional overdraft fees. The bank processes all transactions it receives every business day. However, the bank does not control when a merchant submits a transaction for settlement (payment) or when a person you wrote a check to will negotiate that check. The activity in your account is activated by you, the customer. You are responsible for monitoring any outstanding checks and other payments that have not cleared the account. We will rebate two $33.00 overdraft fees totaling $66.00. This credit will be processed today. The other overdraft fees will remain your responsibility. To prevent this from reoccurring, you may want to establish a method of keeping track of outstanding payments. We believe we have addressed the customer’s concerns.
March 7, 2016
Revdex.com of Washington DC/Eastern Pennsylvania
Re: Consumer Name/Address Removal Request:
[redacted] and/or [redacted]
Northbrook, IL 60062
Daytime Phone: ###-###-####
Evening Phone: ###-###-####
E-mail: [redacted].com
Dear [redacted]:
Thank you for...
sharing with the Direct Marketing Association (DMA) the above-named consumer’s concerns about receiving unsolicited promotional mail. We appreciate hearing from you.
Do Not Mail file: We will add [redacted] and [redacted] to our DMAChoice (mail suppression file). She can also register online for free at: https://www.dmachoice.org/register.php. It could take up to 90 days to see an overall reduction in promotional mail since some mail might already be in the “mail stream process”.
It is important to note that this service will not eliminate all promotional mail since only our members are required to subscribe to this service and suppress the names before sending promotional mail to prospective customers. She would still receive promotional mail from member companies that she has a relationship with as a customer. Additionally, it will not affect promotional mail from companies that are not members of the DMA. For instance, he would still receive promotional mail from political campaigns, restaurants, certain charitable organizations, local companies, and other organizations that are not members of the DMA.
As a reminder, the DMA is NOT the source of consumer names for marketing purposes. We do not supply companies with consumer names to send promotional mail. The DMA’s preference services: www.dmachoice.org are meant to assist consumers in reducing the overall volume of promotional mail but it will not stop all promotional mail.
Again, thank you for contacting the DMA with the consumers’ concerns. We hope this information is useful.
Sincerely,
Lisa B[redacted]
DMA Corporate & Social Responsibility Department
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
[redacted]
Tell us why here...Customer's account has been credited back $15.00 for the 3 continuous overdraft fees as of today. Copy of Credit advice is being mailed to customer. In talking with branch staff ,customer was originally requesting regular overdraft fees to be...
reversed. This was denied because of previous requests granted. Because of previous overdraft history, in January of 2016, customer was informed that no additional requests for reversals of overdraft fees would be granted until January of 2017. We appreciate our customers and try to accommodate them as much as possible. However, if presented with items that make the account overdrawn, there are overdraft fees assessed to the account. We apologize that the call to corporate did not get results and brought frustration to the customer. As a bank we always try to listen to the customer's complaint or concern and address the situation. Thank you. [redacted]Executive Vice PresidentRetail Operations
Additional credit given for last overdraft fee of $33. This was credited to customer on July 15th. When using debit card at a merchant, merchant determines when they settle out their credit card and debit card transactions. When the transaction is submitted to us, it gets processed immediately. All other overdraft fees will stand as posted to the account.
The bank will not be refunding any additional overdraft fees. We refunded what the customer requested. The bank believes what the customer originally requested has been satisfied. In the future, should the customer want to speak with corporate they would dial ###-###-#### and ask to speak with a person in the corporate office. [redacted]Executive Vice PresidentRetail Operations
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you!
Regards,
[redacted]
Tried contacting customer by phone but was unsuccessful. Sent email to customer with full explanation and details about the account activity and what caused the overdraft fees. To help with customer situation bank is crediting here account for 3 overdraft fees for a total of...
$105.00 today. The bank believes this complaint is resolved.
I rejected the response because there was a lie in the statement. I did call and ask for a fee reversal of the 5$ consecutive overdraft day fee's. I DID NOT ask for an item fee reversal. I would appreciate if the communication relayed was the truth. This has only given me more of a reason to ask for the overdraft item fee of 33.00$ reversed. I will also not be recommending any one I know to open accounts with TCNB. The customer service they provide is horrible. The bank needs to reorganize how their corporate office is set up to receive calls and complaints. I shouldn't have to call another branch and continually be transferred back and forth. It's outright unprofessional.