California Business Bank

Dear MS [redacted] : justify;">This is in response to your letter dated April 19, 2016, which we received on April You enclosed a copy of our customer's complaint, which questioned why we contacted her at a telephone number she had not provided to usThe customer who contacted you opened her account with us onlineAs part of our standard procedure, we contact most customers via telephone after an account has been opened onlineDuring this "welcome" call, we want to let our customers know that we are able to assist them with any questions and welcome them to our BankWhen an account is opened online, there is an automated verification that occurs which uses credit report and public information to verify the customer's identityOur procedure of calling customers also provides us another method of verification of the accountIn this case, we were unable to reach the customer using the telephone number she provided in her online account applicationWe used an alternate telephone number provided during the verification process to contact herAnd, it is important to note that the alternate telephone number is a publicly available numberWhile we regret any inconvenience this may have caused the customer, it is important for us to be able to contact our customers via telephone for a variety of reasons, including account verificationIf she has further questions we encourage the customer to contact us directlySincerely, [redacted] EVP, Chief Operating Officer ###-###-####

This is in response to your letter dated November 8, 2016,
which we received on November 8,
concerning Ms*** ***You enclosed a copy of Ms***'s complaint concerning a transaction
on her California Business Bank accountAlthough your letter states you contacted us previously, our
records reflect that your November letter is the first time we have heard from you on this situationPlease be advised that we are in contact with Ms*** concerning this matterAs a regulated financial
institution, we are notable to provide specific details concerning Ms***'s situation to the Revdex.comAs
you may be aware, there are restrictions on banks releasing customer information to third parties that
we must observeWe can, however, let you know that all of our actions are in full compliance with Regulation E (C.F.R2005)You may know that Regulation E provides financial institutions days to conduct an
investigation on a transaction of the type described in Ms***'s complaint submitted to you, provided that the consumer's account has been provisionally re-credited with the amount of the claim (see 12 C.F.R2005)As long as you allow sufficient time for Ms*** to receive and review our recent letter to her, we trust
that she will let you know this matter has been resolvedThank you for your consideration

Dear MS***:This is in response to your letter dated April 19, 2016, which we received on April You enclosed a copy of our customer's complaint, which questioned why we contacted her at a telephone number she had not provided to us.The customer who contacted you opened her account with us
onlineAs part of our standard procedure, we contact most customers via telephone after an account has been opened onlineDuring this "welcome" call, we want to let our customers know that we are able to assist them with any questions and welcome them to our Bank.When an account is opened online, there is an automated verification that occurs which uses credit report and public information to verify the customer's identityOur procedure of calling customers also provides us another method of verification of the accountIn this case, we were unable to reach the customer using the telephone number she provided in her online account applicationWe used an alternate telephone number provided during the verification process to contact herAnd, it is important to note that the alternate telephone number is a publicly available number.While we regret any inconvenience this may have caused the customer, it is important for us to be able to contact our customers via telephone for a variety of reasons, including account verification.If she has further questions we encourage the customer to contact us directly.Sincerely,*** ***EVP, Chief Operating Officer ###-###-####

The phone number they called isn't in my name, so, no, they don't have the right to abuse their authority by calling me there without my permissionIt isn't on my credit report that I know of (and why should they be taking numbers off a credit report anyway)that are not listed on the application, and, when they left a message at the phone number that I put on my application, they did not state that they were calling for verification purposesThey didn't state that it was urgent
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

This is in response to your letter dated November 8, 2016, which we received on November 8,concerning Ms. [redacted]. You enclosed a copy of Ms. [redacted]'s complaint concerning a transactionon her California Business Bank account. Although your letter states you contacted us previously, ourrecords...

reflect that your November 8 letter is the first time we have heard from you on this situation.Please be advised that we are in contact with Ms. [redacted] concerning this matter. As a regulated financialinstitution, we are notable to provide specific details concerning Ms. [redacted]'s situation to the Revdex.com. Asyou may be aware, there are restrictions on banks releasing customer information to third parties thatwe must observe.We can, however, let you know that all of our actions are in full compliance with Regulation E (12C.F.R. 2005). You may know that Regulation E provides financial institutions 45 days to conduct aninvestigation on a transaction of the type described in Ms. [redacted]'s complaint submitted to you, provided that the consumer's account has been provisionally re-credited with the amount of the claim (see 12 C.F.R. 2005).As long as you allow sufficient time for Ms. [redacted] to receive and review our recent letter to her, we trustthat she will let you know this matter has been resolved. Thank you for your consideration.

Dear MS. [redacted]:
justify;">This is in response to your letter dated April 19, 2016, which we received on April 25. You enclosed a copy of our customer's complaint, which questioned why we contacted her at a telephone number she had not provided to us.
The customer who contacted you opened her account with us online. As part of our standard procedure, we contact most customers via telephone after an account has been opened online. During this "welcome" call, we want to let our customers know that we are able to assist them with any questions and welcome them to our Bank.
When an account is opened online, there is an automated verification that occurs which uses credit report and public information to verify the customer's identity. Our procedure of calling customers also provides us another method of verification of the account. In this case, we were unable to reach the customer using the telephone number she provided in her online account application. We used an alternate telephone number provided during the verification process to contact her. And, it is important to note that the alternate telephone number is a publicly available number.
While we regret any inconvenience this may have caused the customer, it is important for us to be able to contact our customers via telephone for a variety of reasons, including account verification.
If she has further questions we encourage the customer to contact us directly.
Sincerely,
[redacted]
EVP, Chief Operating Officer ###-###-####