Carolina Generator Sales, Service & Rental

Thank you for the opportunity to address and respond to Ms [redacted] concerns.Ms [redacted] is correct that she has "opted out" of our Reg E overdraft processing, which means that transactions conducted through her Union debit card will be rejected (with no fee) if no funds are available However, the transactions in question are associated with a card issued and managed by [redacted] ( [redacted] Red Card) Since [redacted] processes these transactions with an account number through ACH, we do not have the ability to stop those transactions I am not familiar with [redacted] 's electronic agreements, but I suggest Ms [redacted] contact [redacted] for more information on their policies.If the transactions are fraudulent or unauthorized, Ms [redacted] is encouraged to file a dispute with Union and we will send the information for review If a transaction is deemed fraudulent and there are associated fees related directly to the fraud activity, Union would be eager to refund those fees Customers are encouraged to report unauthorized activity to Union immediately, and we have 24/ability to report a debit card lost or stolen through our Customer Contact Center (800-990-4828) We do have both telephone and text alerts for any activity that our fraud team finds as suspicious However, the transaction would need to be out of character for the account (i.ea charge in China, duplicate domestic charges in opposing locations, etc.).Please let us know if we can help facilitate obtaining the proper information from [redacted] While I will be out of town until 8/29/16, Ms [redacted] may contact Kimberly Garrison, Senior Market Manager, at [redacted] .Sincerely,Jason AH [redacted] Vice President, Director of Customer ExperienceUnion Bank & Trust

[A default letter is provided here which indicates your acceptance of the business's offer If you wish, you may update it before sending it.] Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meOnce the $ [redacted] is added to my account, I will add any additional funds to get the balance to $ [redacted] and then I will close my account of years Regards, *** ***

Thank you for the opportunity to respond and assist Mr [redacted] .I apologize that our card procedures contributed to such inconvenience Because we have no ability to verify the issuing bank's systems, bank to bank courtesy is to destroy any captured, lost or discovered plastic for other financial institutions The reasoning behind this is that the card may have been stolen (or reported stolen) or frozen by the issuing bank and we are doing our part in ensure the card does not get into the wrong hands If the card is not stolen, oftentimes the issuing bank will freeze a card to reach a customer they are having trouble contacting for an urgent issue.Union would be eager to refund any charges incurred on our ATM Please confirm the total amount of charges and we will send reimbursement to the address listed in this file (unless requested otherwise).Sincerely,Jason *H [redacted] Vice President, Director of Customer ExperienceUnion Bank & Trust

I DID NOT received no such letter from this bank because if I had we would not be where we are nowI would have did something about it I have a one credit and I do not allow negative reports on my accounts because I am a responsible personThis bank did not notify me of any changes in addressI have the first time to receive anything from this bank I learned of owing this bank money After going into the bank to open an accountDo you think I would have come in if I owe you money? Stop lying and owe up to your mistake YOU DID NOT NOTIFY ME OF NOTHING concerning this accountTHIS MATTER WOULD HAVE BEEN TAKEN CARE OF AND WOULD NOT HAVE GOTTEN THIS FAR IF THEY HAD NOTIFIED METHEY DID NOT DO IT , AND PLEASE STOP LYING

Good Morning, and thank you for the opportunity to respond to Mr [redacted] concerns.We have been working with Mr [redacted] since early in when he was experiencing challenges with using Union's mobile app in a remote location overseas He filed a Revdex.com complaint at that time and we were able to create a workaround to securely activate and operate mobile banking The full operation of mobile banking with limited and international access is a challenge for both parties, as international verification and telecommunications is highly susceptible to fraud and hacking attempts However, at that time, we made accommodations and altered our procedures to ensure that Mr [redacted] could access his account.The fees Mr [redacted] is referencing are not debit card feesThey are published, industry standard fees for international transactions that are listed in our disclosures, and in many cases, fees that are charged by the owner of the foreign ATMs These fees merely cover the costs that are charged to Union by [redacted] and the costs associated with international currency conversion While we have and will continue to work with Mr [redacted] to make his unique situation viable for banking with Union, we are limited in our options and cannot control international cellular access, internet availability, and international exchange rates We do not want to lose Mr [redacted] as a customer, but we are unable to refund the fees that are charged to cover these operating costs.We have attempted to contact Mr [redacted] via international calling, but have repeatedly failed to reach him and there is no voicemail on the account Our best methods have been via secure messaging and email, which is still the best method for both parties if Mr [redacted] has further questions.Sincerely, [redacted] ***

Thank you for the opportunity to respond to Ms [redacted] 's concerns.When someone agrees to be a cosigner or joint account holder, whether the account is a deposit or loan account, the person accepts responsibility for the account When the address was changed on the account, as is our policy, the address change notice was sent to both the new and old address This is a security measure to make sure all parties know of the change and alert account holders to any unauthorized changes to their accounts Additionally, we cannot remove a name from an account unless an account holder is deceased Again, this is a security measure to ensure that ownership and liability rights of the joint account only cease with account closure or death.In speaking with all the teammates Ms [redacted] has worked with, including Lora ***, Union would be happy to open Ms [redacted] 's accounts as soon as the outstanding debt is paid by either account holder Unfortunately, we cannot open an account when the bank is owed a collection debt by an account holder.Please let me know if we can provide any other information or assistance.Sincerely, Jason A [redacted] Vice President, Director of Customer ExperienceUnion Bank & Trust

Thank you for the opportunity to address and respond to Mr***'s concerns.When a bank receives a paper check issued from an international institution, the collection method is often long as the item has to physically clear through multiple avenues As our polices state, this could range from three business days to as much as twelve weeks, solely dependent on the issuing bank Our best time estimations are based on previous transactions, however the final amount of time is dictated by the issuing bank of the original item.In Mr***'s case, we have confirmed with [redacted] (our intermediary servicer) that they have not received any funds from the Royal Bank of Scotland as of this morning Union's policy is to deposit the collected funds immediately when collected by [redacted] *** If Mr [redacted] has record of the funds clearing RBS, Union and [redacted] can share this information back with RBS to expedite their research At this point, we are simply waiting for the funds to arrive from RBS.Also, Mr***'s letter sent to our CEO, Billy B [redacted] arrived in our possession just two days ago I did not want Mr [redacted] to feel as if his letter was ignored in any way.We will continue to get daily updates from [redacted] ***, and will communicate as soon as the funds arrive to Union For future transactions of similar nature, international wire transfers are a quick and secure method of moving sums of money between banks Please let us know if we can provide more information.Thank you, and please do not hesitate to reach out with any other questions or concernsSincerely, Jason AH [redacted] Vice President, Director of Customer ExperienceUnion Bank & Trust

Revdex.com: I have reviewed the offer and/or 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 am not satisfied with the complaint as my brother, who wrote the check, said it had cleared his account weeks agoFurther more I do not understand MrHoffman's comment that they are waiting for "funds to arrive from RBS"In the process [redacted] would have deposited the check in their NOSTRO account with their UK correspondent bank, this check would have been cleared overnightIf the item was dishonored it would have been known within a couple of daysI will contact my brother agin for the exact date the item cleared his account Regards, [redacted] ***