Citizens National Bank

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 [Provide details of why you are not satisfied with this resolution.] Regards, Dear Revdex.com, Ms [redacted] sent me a very rude private email calling my husband a "CREEP", me a "suspect" and threatened with a lawsuit if I do not remove my complaint from Revdex.comShe has stated that she has some kind of contract with my husbandNo contract was given or signedMy husband was given no verbal directions on bringing any tools and when came to pick up the refrigerator and was told to bring them, said he will come back with the tools and at that moment he was told to leaveHere is what I would like to know:Why was he not given an official receiptIf Ms [redacted] represents a business she should be issuing official receipts to her customersWhy the piece of paper that she has given to my husband and has her initials on it states $and does not indicate plus tax? My husband paid $for the refrigeratorWhat kind of business is that? Either the merchandise or the money needs to be returned to the customerIf she collected the money and sold the merchandise to someone else, there is a problemConsumers have basic rights and she is violation of all of themIf she was not happy with the way my husband behaved, she had the right to refuse the saleShe does not have a right however to sell the merchandise, collect the money and keep bothIn terms of my husband being rude to her, all someone at your respected organization has to do is to please go on YELP.com and check out the comments other customers post about MS***e's services you would clearly understand the situationThere other WARNINGS on the internet against the use of her businessOut of starts she has a star ratingNow that is very hard to achieve! Her letter to me as well as the piece of paper my husband was given are attachedRespectfully, Ms***

Actually, [redacted] is 100% incorrect First, there are LARGE, CLEARLY WRITTEN SIGNS everywhere going over the RULES of the sale These are just condensed versions of the FAQ'S for BUYERS on our website The SOLD Table, clearly identified with SOLD SIGNS all over it, has not only a sign that states ALL ITEMS HERE SOLD but another sign that states that ANY ITEM YOU PUT ON THIS TABLE WITH A PRICE TAG OR THAT HAS A SIGN STATING THE PRICE YOU HAVE PURCHASED In [redacted] 's case her partner put a painting that had a LARGE price tag on it on the SOLD table after asking me where he should put a piece that he wanted to BUY Second, [redacted] had a terrible attitude and when she came into the sale argued with us about the SIGN on the front door that limits the size of purses She had a purse that was easily times larger than the sign allowed and was EXTREMELY rude and actually threw her purse down when kindly asked to abide by the POSTED RULES.Finally, [redacted] sent me a most hateful email where she condemned me to hell Sad really when all we do every week is protect our clients, most of whom are senior citizens, by holding well organized, fun sales We have SEVEN SIMPLE RULES that are clearly posted and protect both the seller and the buyer and it is only the most abject, mean-spirited, 'rules-apply-to-everyone-but me' small percentage of people that have a problem My company has over 15,of our own email clients, is the most prestigious and well-respected company in Houston (and beyond), and books every weekend with no advertising but word of mouth I am referred by major law firms, the best realtors in Houston, and fine private citizens It is shameful that in today's society a small percentage of people use the Internet to lie and attempt to defame someone because they have a problem following clearly posted rules Sad, and shameful indeed [redacted] should note that other shoppers noticed her behavior and commented on it--both when she threw her purse on the floor and when she was extremely rude to me One woman even said it is people like her that are ruining the world I would have to agree

Regarding Case # [redacted] Mrs***'s husband attended an estate sale and purchased a refrigerator He was an extremely hard to deal with client (for example, he did not want to pay sales tax which is the LAW in the state of Texas, he did not want to pay the listed price, he was extremely impolite to a female employee, etc., etc.) He decided to purchase an item, a used refrigerator, and told us he would return to pick it up during the ONLY pick up time other than during the sale, which was Monday morning (Aug17, 2015), from am to am I checked this man out at the cash register and I told him, even though he was very impolite, to make sure and bring the necessary tools -- appliance dolly, wrench, etc-- to remove the item He was very sexist in his response to my warnings.On Monday Aug17, he arrived at 9:am with NO tools, NO dolly and acted the fool He told me he had no tools, no dolly and he was going to move his item As I have care and custody of the home for a senior citizen and my job is to PROTECT that senior I told him absolutely not I had to threaten to call the police if he was going to damage the floors Finally, a male employee was called who explained to him that since he was unable to remove his item he would forfeit Mind you this grown man told me he could not get a dolly or tools and was indignant that we would not allow him to drag a fridge across beautiful saltillo tile floors.His wife called a few hours later cursing and yelling so we hung up the phone Very nasty people who breached the contract and will not be getting a refund or their itemMs***

In response to complaint ID *** filed against Union State Bank on not returning Social Security Direct Deposit, it is the bank's procedure to hold funds upon "Notification Of Death" on our customersIt is the practice of the Social Security Administration to contact the family regarding
return of fundsIt is the responsibility of the family or estate administrator to return funds to Social SecurityAs with the majority of families, thay have so much to deal with at this time and generally will not submit a check to Social Security to return fundsIt is because the family does not respond that the bank receives the "Notice of Reclamation"On the rare occassion that a family submits a check to return funds, they provide us with that documentation and the bank removes the hold from the customer's accountThis is also the reason the bank will not submit the funds until "Reclamation" is receivedIf the customer were to submit a check to Social Security and the bank were to return funds without a "Notice of Reclamation" the customer would be at a disadvantage with funds removed twice from their accountThe refund process with the Social Security Administration is long and drawn out, with completion of additional paperwork for the customerA refund can take months to receiveIn this case, the gentleman that passed away had Direct Deposits to his accountOne from the Veterans Administration that posted 12/31/and was for the month of DecemberAnother Direct Deposit from Social Secuity that posted 1/2/was also for the month of DecemberThe bank received a "Notice of Reclamation" from the Veterans Administration for the VA Direct Deposit and returned the funds to the Veterans Administration on 2/2/The funds for the Social Security Direct Deposit remained on hold awaiting that "Notice of Reclamation"The customer has stated that she contacted Social Security and the Social Security Administration stated to her that the bank needed to return the fundsFor the bank to just return the funds without notification from the Administration would not guarantee that the return of funds would be directed to the proper office or department that it needed to be appliedThis scenario has happened in years past, with the bank returning without a "Notice of Reclamation" because customer insisted and months later a "Reclamation" is received with a different individual working the claims desk, therefore resulting in a double returnThis is what the bank strives to preventAs of this date the funds for the January 2, Direct Deposit are still on hold and no reclamation has been received from the Social Security Administration.At our annual regulatory ACH training seminiar the subject of Government Reclamations are alway addressedThe Government has up to (6) six years to make reclamation of Government benefitsThe best practices provided during this training are the ones applied by Union State Bank.Sincerley,*** ***VP/ACH DeptUnion State Bank

The bank returns "Government Reclamations" using the reason codes Rand R(whichever applies). The VA benefits referred to were sent back within days of the Reclamation request and the funds hold for that amount removed. The remaining hold on the account is for the Social Security Administration direct deposit received. The bank truly feels that it is in the best interest of the consumer to await the reclamation from the Social Security Administration before submitting return so that the correct department of the Administration receives the funds. The bank will contact Social Security personally this week to obtain a Reclamation from their office or authorize the Social Secuity Administration to debit our Federal Reserve account to take care of this matter.Union State BankACH Dept

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.  
[Provide details of why you are not satisfied with this resolution.]
Regards,
Dear Revdex.com, Ms. [redacted] sent me a very rude private email calling my husband a "CREEP", me a "suspect" and threatened with a lawsuit  if I do not remove my complaint from Revdex.com. She has stated that she has some kind of contract with my husband. No contract was given or signed. My husband was given no verbal directions on bringing any tools and  when came to pick up the refrigerator and was told to bring them, said he will come back with the tools and at that moment he was told to leave. Here is what I would like to know:1. Why was he not given an official receipt. If Ms. [redacted] represents a business she should be issuing official receipts to her customers.2. Why the piece of paper that she has given to my husband and has her initials on it states $75.00 and does not indicate plus tax? My husband paid $81.19 for the refrigerator. What kind of business is that? 3. Either the merchandise or the money needs to be returned to the customer. If she collected the money and sold the merchandise to someone else, there is a problem. Consumers have basic rights and she is violation of all of them. If she was not happy with the way my husband behaved, she had the right to refuse the sale. She does not have a right however to sell the merchandise, collect the money and keep both. In terms of my husband being rude to her,  all someone at your respected organization has to do is to please go on YELP.com and check out the comments other customers post about MS. [redacted]e's services you would clearly understand the situation. There other WARNINGS on the internet against the use of her business. Out of 5 starts she has a 1 star rating. Now that is very hard to achieve! Her letter to me as well as the piece of paper my husband was given are attached. Respectfully,  Ms. [redacted]

Actually, [redacted] is 100% incorrect.  First, there are LARGE, CLEARLY WRITTEN SIGNS everywhere going over the RULES of the sale.  These are just condensed versions of the FAQ'S for BUYERS on our website.  The SOLD Table, clearly identified with SOLD SIGNS all over it, has not only a...

sign that states ALL ITEMS HERE SOLD but another sign that states that ANY ITEM YOU PUT ON THIS TABLE WITH A PRICE TAG OR THAT HAS A SIGN STATING THE PRICE YOU HAVE PURCHASED.  In [redacted]'s case her partner put a painting that had a LARGE price tag on it on the SOLD table after asking me where he should put a piece that he wanted to BUY.  Second, [redacted] had a terrible attitude and when she came into the sale argued with us about the SIGN on the front door that limits the size of purses.  She had a purse that was easily 2.5 times larger than the sign allowed and was EXTREMELY rude and actually threw her purse down when kindly asked to abide by the POSTED RULES.Finally, [redacted] sent me a most hateful email where she condemned me to hell.  Sad really when all we do every week is protect our clients, most of whom are senior citizens, by holding well organized, fun sales.  We have SEVEN SIMPLE RULES that are clearly posted and protect both the seller and the buyer and it is only the most abject, mean-spirited, 'rules-apply-to-everyone-but me' small percentage of people that have a problem.  My company has over 15,000 of our own email clients, is the most prestigious and well-respected company in Houston (and beyond), and books every weekend with no advertising but word of mouth.  I am referred by major law firms, the best realtors in Houston, and fine private citizens.  It is shameful that in today's society a small percentage of people use the Internet to lie and attempt to defame someone because they have a problem following clearly posted rules.  Sad, and shameful indeed.  [redacted] should note that other shoppers noticed her behavior and commented on it--both when she threw her purse on the floor and when she was extremely rude to me.  One woman even said it is people like her that are ruining the world.  I would have to agree.

Regarding Case #[redacted]Mrs. [redacted]'s husband attended an estate sale and purchased a refrigerator.  He was an extremely hard to deal with client (for example, he did not want to pay sales tax which is the LAW in the state of Texas, he did not want to pay the listed price, he was extremely...

impolite to a female employee, etc., etc.).  He decided to purchase an item, a used refrigerator, and told us he would return to pick it up during the ONLY pick up time other than during the sale, which was Monday morning (Aug. 17, 2015), from 9 am to 10 am.  I checked this man out at the cash register and I told him, even though he was very impolite, to make sure and bring the necessary tools -- appliance dolly, wrench, etc. -- to remove the item.  He was very sexist in his response to my warnings.On Monday Aug. 17, 2015 he arrived at 9:45 am with NO tools, NO dolly and acted the fool.  He told me he had no tools, no dolly and he was going to move his item.  As I have care and custody of the home for a senior citizen and my job is to PROTECT that senior I told him absolutely not.  I had to threaten to call the police if he was going to damage the floors.  Finally, a male employee was called who explained to him that since he was unable to remove his item he would forfeit.  Mind you this grown man told me he could not get a dolly or tools and was indignant that we would not allow him to drag a fridge across beautiful saltillo tile floors.His wife called a few hours later cursing and yelling so we hung up the phone.  Very nasty people who breached the contract and will not be getting a refund or their item. Ms. [redacted]

Again Mrs. [redacted] is ignorant of common sense rules and rules of law:1)  The contract was implicit in the purchase as well as explicit with the posted signs.  Item was priced, signs are posted, her husband must follow rules; and2)  Her husband harassed female workers and this harassment was witnessed by many; and3)  Her husband was going to damage the floors of a senior citizen and felt this was proper behavior; and4)  Her husband is beyond a creep.All of the 'complaints' on Yelp and the like are written by mean spirited, jealous and or evil people who lie.  Names and addresses are not given and 1/3 of the 'negatives' are written by our competitors.  We have the LONGEST lines, we sell out every week, and our work product is the best in the industry.Mrs. [redacted] and her husband represent the worst in buyers--they didn't want to pay a fair price, didn't want to pay sales tax, didn't follow posted rules, lied to 3rd parties about the transaction, and then continue to ignore the fact that they simply lost in the game of life because of the these facts.Ms. [redacted]e

Complaint: [redacted]
I am rejecting this response because:They do not and will not release the funds until receiving notice from the Social Security Administration is what we have been told. Their claim that they will release the funds to be sent back by the account holder is an outright lie. We received the same response when asking for them to release the funds in form of cashier check to be sent back by us that they gave us when asked to release the VA benefits that had to be returned. "We do not release the funds being held to the account holder to be sent back. We will hold them in your account until they request them sent back through channels." According to the Greenbook and the CFR upon our notifying the bank of the death the bank had the responsibility to immediately return the funds through the system. “Financial institutions that learn of the death of a recipient from a source other than the agency are encouraged to use reason code R15 (Beneficiary or Account Holder Deceased) or R14 (Representative Payee Deceased)  to notify government agencies of the death. By using these return codes, the financial institution will satisfy both the requirements to return post-death payments and the requirement to notify the agency of the death of the recipient.”
Regards,
[redacted]