Bremer Financial Corporation

Initial Business Response / [redacted] (1000, 5, 2015/12/03) */ I have reviewed and researched the complaint in Case No [redacted] and have the following informationComplainant held a savings account (the "Account") with Bremer Bank, National Association ("Bremer")On November 16, 2015, Bremer received an ACH withdrawal from the Account which resulted in an overdraftBremer processed the ACH and charged the Account with an overdraft feeNotification of the overdraft was sent to ComplainantOn November 24, 2015, the account was charged a continuous overdraft fee because the account remained in a negative balance for over seven (7) daysOn November 25, 2015, Complainant paid the overdraft and closed his accountThe proper notice and proper charges where made to the AccountBremer provides to all account owners at account opening, and sent t all account holders annually, as well as posts in all branches a current Personal Account Fee Schedule ("Fee Schedule")The Fee Schedule clearly states the amount of an overdraft fee and the number of days within which an account owner must bring the account current in order to avoid incurring a continuous overdraft feeThe Fee Schedule clearly states that any account with a negative balance for a continuous period of seven (7) days will be charged the applicable fee

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

The debit to Dish Network was conducted by use of client's debit card on March 3, On March 3, 2016, client contacted Bremer to initiate a Regulation E disputeOn March 9, 2016,Bremer provisionally credited the client's account and mailed dispute paperwork to the clientOn April 8, 2016, Bremer received documentation from Dish Network evidencing that client had cancelled his contract with Dish Network prior to the contract end date and that pursuant to the contract terms, Dish Network charged the prorated early termination fees of $per month for each month remaining on the contract termsBremer sent a final letter to the client with the findings and re-debited the accountBremer complied with all procedures, including Regulation EBremre is not liable to the client for the penalty he incurred due to his early termination of his contract with Dish Network

This individual contacted Bremer regarding her intent to file a claim against an estate represented by BremerThe attorney representing Bremer in connection with claims against the estate contacted this individual directly and instructed her regarding the process for submitting an claimIt appears that this individual has submitted a claim with the courtBremer personnel and its counsel responded in a timely and appropriate manner to this individual

Initial Business Response /* (1000, 5, 2016/03/03) */
We have investigated this matter and have the following informationOur records indicate that the client did direct that his loan not be sold to US BankThrough Bank error the loan was sold to US BankBremer is in the process of repurchasing
the loan from US BankWe believe this will accommodate the Client's concerns
Initial Consumer Rebuttal /* (2000, 7, 2016/03/14) */

Initial Business Response /* (1000, 5, 2016/03/03) */
I have investigated this matter and have the following informationThis loan was days past dueNotice was sent that full payment amount must be received by 2/15/or collateral repossession would be madeAt this time we had not been
contacted by client for several weeksSeveral attempts were made by us to contact client by phone but client was not reached directly and voice messages were not returnedRepossession was initiated 2/18/after failure to be contacted by client and failure to receive any payment from clientA check was received for less than the minimum amount due after repossession was initiatedRecords indicate that proper notice and disclosures were mailed to client
Initial Consumer Rebuttal /* (3000, 7, 2016/03/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They have not returned my personal property from that was on the motorcycleIf this does not get returned soon legal action will result
Final Business Response /* (4000, 9, 2016/03/08) */
The client has added a concern that was not raised in his original complaintRegarding return of personal property that may have been stored on the bike at the time of repossession, the client exchanged emails with the repossession company on March 4, pursuant to which the repossession company provided to the client contact information, including name and telephone number to arrange pick up of any personal property itemsAs the email exchange made clear the repossession company will return personal property itemsConsistent with industry practice, the bank does not have physical custody of the bike or and personal property that may have been stored on the bike

Bremer has responded directly to the client as of February 14, 2018, and believes that this matter has been resolved.

The debit to Dish Network was conducted by use of client's debit card on March 3, 2016. On March 3, 2016, client contacted Bremer to initiate a Regulation E dispute. On March 9, 2016,Bremer  provisionally credited  the client's account and mailed dispute paperwork to the...

client. On April 8, 2016, Bremer received documentation from Dish Network evidencing that client had cancelled his contract with Dish Network prior to the contract end date and that pursuant to the contract terms, Dish Network charged the prorated early termination fees of $20.00 per month for each month remaining on the contract terms. Bremer sent a final letter to the client with the findings and re-debited the account. Bremer complied with all procedures, including Regulation E. Bremre is not liable to the client for the penalty he incurred due to his early termination of his contract with Dish Network.

This individual contacted Bremer regarding her intent to file a claim against an estate represented by Bremer. The attorney representing Bremer in connection with claims against the estate contacted this individual directly and  instructed her regarding the process for submitting an...

claim. It appears that this individual has submitted a claim with the court. Bremer personnel and its counsel  responded in a timely and appropriate manner to this individual.

Initial Business Response /* (1000, 5, 2015/12/03) */
I have reviewed and researched the complaint in Case No. [redacted] and have the following information. Complainant held a savings account (the "Account") with Bremer Bank, National Association ("Bremer"). On November 16, 2015, Bremer received...

an ACH withdrawal from the Account which resulted in an overdraft. Bremer processed the ACH and charged the Account with an overdraft fee. Notification of the overdraft was sent to Complainant. On November 24, 2015, the account was charged a continuous overdraft fee because the account remained in a negative balance for over seven (7) days. On November 25, 2015, Complainant paid the overdraft and closed his account. The proper notice and proper charges where made to the Account. Bremer provides to all account owners at account opening, and sent t all account holders annually, as well as posts in all branches a current Personal Account Fee Schedule ("Fee Schedule"). The Fee Schedule clearly states the amount of an overdraft fee and the number of days within which an account owner must bring the account current in order to avoid incurring a continuous overdraft fee. The 2015 Fee Schedule clearly states that any account with a negative balance for a continuous period of seven (7) days will be charged the applicable fee.

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.

Initial Business Response /* (1000, 5, 2015/09/02) */
Bremer has researched the complaint and has the following information. Complainant states that Check No. 1002 in the amount of $1,100 ("Check No. 1002") was lost by the Payee. Check No. 1002 was presented for payment on August 3, 2015, and was...

returned NSF. On August 4, 2015, Bremer received an e-mail from Complainant stating that he had cancelled the check online. Bremer sent an e-mail to Complainant on August 5, 2015, stating that no stop payment was reflected in Bremer's records and if a stop payment had been made by Complainant he would have received a confirmation to that effect by e-mail. Bremer requested that Complainant send to Bremer copies of any e-mails received by Complainant regarding the stop payment. Bremer also advised Complainant that "If you have an urgent or time sensitive request Bremer recommends contacting Bremer Phone Bank directly".
On August 24, 2015, the Payee of Check No. 1002 personally cashed the check at a Bremer branch location. On August 25, 2015, a person who identified herself as Complainant's girlfriend contacted Bremer regarding Check No. 1002. Since this individual is not an account owner or authorized signer, Bremer was unable to provide her with information regarding the account or Check No. 1002. On August 25, 2015, Bremer received a FAX from Complainant's girlfriend stating among other things that the confirmation of the stop payment e-mail had been lost.
All customers are bound by Bremer's Personal Account Agreement that makes clear the rules and procedures for stopping payment on a check. A stop payment was never properly ordered for Check No. 1002.
Check No. 1002 was a NSF returned item for which NSF fees and continuous overdraft fees were properly charged. The account was in a negative balance from August 4, 2015 through August 24, 2015. As a result, Complainant is not entitled to a refund.