Community Bank

This bank has violated banking and credit protection laws and fails to recognize their part in protecting you from consumer fraud. The will in fact ignore your evidence and allow you to be defrauded out of thousands. Then once the Chief Operating Officer understands the issue he will tell you to resubmit, assuring you of a different result, then sit on your complaint for 4 months only to ignore the facts again. This is the typical ignorance and customer service failures you can expect here. I wouldn't let them manage a child's piggy bank.

Point was that they never disclose the cost and itemize the statements It was never the case of the agreement [redacted] signed When you get a statement from them they don't disclose or itemize the cost associated (as in fees) and further interest costs on the statement As we'd expect, all fees and interest cost should be in black and white and not "hidden" They aren't being forthright with their customers and now every day we discuss this issue they are making more money off of the consumers It's not right and they should correct their statements to reflect the cost of doing business with them We could not get any answers from customer service when they were questioned about it and now a loan officer's response back to my daughter is "well you know what you signed up for?" Please Give me a break She'll pay the bill, as long as it does not exceed the amount originally stated in the complaintMy daughter [redacted] is obligated to pay the said amount of $159.18, nothing more and we wish to close out this account and have no business interest with Community Bank, NA going forwardThank you

Dear [redacted] , At Community Bank, customer service is our number one priority This includes taking steps to ensure that our systems perform in a manner that provides our customers access to their accounts when they need it We commit significant resources and people to insure our systems and services meet our customers’ expectations While Community Bank’s overall system availability and accessibility are high, the experiences you mention are not acceptable in meeting our customers’ expectations We are reviewing the particular matters you mention In general, as we discussed today we are implementing upgrades in our systems which should further enhance processing times and service delivery Community Bank, N.Ahas been serving upstate New York and Northeast Pennsylvania for almost years We take great pride in serving our communities and in offering personal and responsive services that meet our customers’ expectations As I mentioned on our call, if you would like to discuss this or any other matter further, I can be reached directly at ###-###-#### or through e-mail at [redacted] @CommunityBankNA.com Community Bank values our relationship with you and we hope that you will give us the opportunity to be of further service in the future Sincerely, Hal W [redacted] Senior Vice President, Retail Banking

I ordered a sample for $5, which was never received, then a few days later, my account was debited/charged $

Mrs***, we apologize for making this mistake with your address We have updated our records to reflect your current address of [redacted] Thank you for your business!

Re: Response to Complaint filed with the Revdex.com [redacted] , Case # Dear Ms [redacted] , This letter is in response to the above referenced complaint filed with the Revdex.com (Revdex.com)In your submission, you voiced concern regarding your checking account with Community Bank The respective Branch Manager has since made several efforts to reach out to you to discuss the overdraft situation to explain what transpired and help to avert the potential of future scenariosIt was noted upon my review of your recent account activity that on 12/18/one ATM withdrawal and three debit card transactions totaling $posted to your account, the total of which exceeded the $balance in your accountEach of the transactions were honored as you have an overdraft protection feature on your account; however, there is a $(per item) paid item fee in such instances, which in this case totaled $Nonetheless, as a gesture of good faith, on 12/22/we refunded out of the fees, totaling a return of $to your accountCommunity Bank, N.Aand its predecessors have been serving upstate New York, New England and Northeast Pennsylvania for yearsWe appreciate the opportunity to serve your banking needs and hope that you will give us the opportunity to do so in the futureIf you would like to discuss this or any other matter further, I can be reached directly at ( [redacted]

Dear Mr [redacted] This letter is in response to the above referenced complaint filed with the RevDex.com. In your complaint you voiced concerns regarding your checking account. Upon receipt of your complaint, the [redacted] Branch Manager made an effort to reach out to you by phone; however, no... response was received. My review of your account history disclosed that you incurred a $2.00 paper statement fee on 1/23/18, at which time your account had a 42 cent balance, netting to a $1.58 shortage. The respective fee was disclosed to customers in the form of a letter in the 4th quarter of 2017 and a fee disclosure was included on their respective statements during that same period. Nonetheless, as a gesture of good faith we have refunded the net shortage of $1.58 to bring your account to a zero balance and have coded it as closed in response to your request.Regarding the letter you received mentioning a $5 daily overdraft fee, we apologize for any confusion; this language was included in error and there were no overdraft charges posted to your account. Community Bank, N.A. and its predecessors have been serving upstate New York, New England and Northeast Pennsylvania for 150 years. We take great pride in serving our communities and in being a responsible corporate citizen. If you would like to discuss this or any other matter further, I can be reached directly at [redacted] or by email at [redacted]

This statement is in response to complaint ID # [redacted] filed with the Revdex.com on July 12, We reviewed the circumstances related to the charge processed to the account which the customer disputed On July 20, 2017, we reached out to the customer and came to a mutual resolution We consider the complaint closed

*** ***
*** *** ***
*** ** *** Re: Response to Complaint filed with the Revdex.com *** ***, Case #*** Dear ***, This letter is
in response to the above referenced complaint filed with the Revdex.com (Revdex.com)In your submission, you voiced concern regarding the financial impact you incurred as a result of the Bank reversing a deposit that was made to your account on 3/29/Upon review of your account and discussion with the respective branch staff and Deposit Operations, it was noted that the 5/12/deposit reversal was processed in response to the Bank’s notification that the funds were not yours, but rather, those of your ex-husband in the form of a tax refund, wherein the ACH description clearly indicates his nameApparently at the time of his tax preparation, your ex-husband had erroneously designated your account number to credit his funds toA restriction was placed on your account at the time the error was discovered and the tax refund reversed two days laterIt was also noted upon review of your account, that a tax refund of a similar amount in your own name, was credited to the account over a month prior (2/24/16) and the funds were being utilizedRegarding the Bank’s efforts to inform you of the deposit reversal, the respective branch manager indicated that she did indeed make efforts to contact you; however, the number listed in our system at the time was out of serviceShe noted that you had subsequently contacted the branch and at that time provided them with your current number, which was then updated on our systemNevertheless, you were made aware of the restriction on the account within 1-days of the Bank’s placement of it, and within that timeframe (5/11/16) you made a deposit in responseBased on the information available to us, we feel that the Bank acted within its rights in reversing said transaction; we have an obligation to ensure that ACH transactions post to the proper accountWhile the Bank stands behind our decision, as a gesture of good faith we have agreed to reimburse the $in external fees you incurred; a check will be sent to you this week under separate cover. Community Bank, N.Aand its predecessors have been serving upstate New York and Northeast Pennsylvania for yearsWe appreciate the opportunity to serve your banking needs and hope that you will give us the opportunity to do so in the futureIf you would like to discuss this or any other matter further, I can be reached directly at *** *** or by email at ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me The unauthorized charge and all related fees related, have been credited back to my account.Regards, *** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. Regards, *** ***

Re: Response to Complaint filed with the Revdex.com Case #*** Dear Ms***, This letter is in response to the above referenced
complaint filed with the Revdex.com (Revdex.com)In your submission, you voiced concern regarding the privacy of your personal accounts at Community Bank as a result of a recent discussion with Bank staff You indicated within your complaint that the employee you spoke with on the phone on 10/23/did not properly identify you before discussing your account information with youUpon my review of the circumstances, including discussion with the respective Bank personnel, it was noted that your call was initially placed with our Electronic Banking Department, wherein the caller id would have referenced your nameBe assured, this information on its own was not used by the Department to discuss any account information; rather, the call was redirected to the branch of account (*** ***) as the employee felt the branch could better assist you with your questionsThe respective *** *** employee indicated to me that despite being informed by the Electronic Banking employee that the caller id came up as your name, this was not the sole means of identification used to determine that she was speaking to youThe employee was confident she had received adequate responses from you in the course of your phone discussion with her that assured her you were indeed the owner of the accountNotwithstanding, please be assured that we take account privacy matters very seriouslyCustomer verification options have been reviewed with the employee involvedWe sincerely apologize for any resulting inconvenience or concerns regarding this situation Community Bank, N.Aand its predecessors have been serving upstate New York, New England and Northeast Pennsylvania for yearsWe appreciate the opportunity to serve your banking needs and hope that you will give us the opportunity to do so in the futureIf you would like to discuss this or any other matter further, I can be reached directly at *** *** ** ** *** ** ***

I have received a call back from risk management, yet we have not been able to speak yetTheir excuse that my charge off account was the reason that my overdraft was cancelled which I was not notified off is ridiculousAnother branch could see that my account was being messed with by Christy *** and opened other accounts and zeroed out the account that should have been zeroed and taken care of by Christy and her branch manager based on bank policyEven after these accounts were addressed my other accounts were supposed to be tranfered out of Christy's branch, but somehow were not and Christy again returned checks and charged fees to my account which the other branch returned to me. My overdraft was in effect and that is a poor excuse for a matter of fact response. Why would Glenna remove my accounts from Christys branch at my request and zero the charge off account which should have been done by Christy months earlier if this wasn't bank policy? I will continue to Reach risk management on Tuesday the 26th to fill her in with this info that is not being presented to her by Christy and management. *** ***

Mr*** was provided a replacement $bill today
02/21/He was given an apology in person and in
writing. He acknowledged receipt of the $on the
attached letter

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

December 3,
*** * ***
*** *** ***
*** ** ***
Re:
Response to Revdex.com Complaint (Case # ***)
Dear
Mr***:
This
letter is written in response to the above referenced complaint. In your
submission, you
voiced concern with regard to delays in accessing our online
bill payment services. I have been informed that the issue has been
resolved and that the service is now available. The delays were caused by
an unfortunate miscommunication between our Electronic Banking department and
the branch. We apologize for this confusion and have taken steps to
ensure that all applicable employees are aware of the proper procedures moving
forward
Community
Bank, N.Aand its predecessors have been serving upstate New York and
Northeast Pennsylvania for almost years. We take great pride in
serving our communities and in being a responsible corporate citizen. We
regret that your experience was not a more positive one. If you would
like to discuss this or any other matter further, I can be reached directly at *** or through e-mail at *** .
Sincerely,
Paul W***
Senior Vice President, Chief Risk Officer

Re: Response to Complaint filed with the Revdex.com Case #***Dear ***,
This letter is in response to the above referenced complaint filed with the Revdex.com (Revdex.com)In your submission, you voiced concern regarding activity on your checking account and poor customer service. I have reviewed your account history and discussed the issues with the applicable branch and administrative staff involved, and will do my best to cover all the respective points in my responseUpon my review of the $transaction in question, it was noted that there were actually three checks in total that were transacted twiceCheck #*** for $and #*** for $were both originally deposited to your Community Bank personal account on 6/9/16, and check #in the amount of $was originally negotiated with *** *** on 5/5/All three checks were negotiated a second time via mobile deposit on 1/24/17. When the second negotiation was completed on 1/24/17, the respective maker(s) of said checks would have eventually discovered the error on their account(s)Upon notification of the error, their applicable financial institution would have processed a reversal of said transactionsUpon reversal of each check from the maker’s account, the checks were returned to the depositor bank (Community Bank) at which time the checks are charged back (reversed) to the respective account of depositThere would have been no cause for the Bank to charge the checks back to any other account than the one they were originally deposited to on 1/24/ In addition, upon review of your account it was also noted that the Bank returned over $in overdraft related fees to you in We feel that the Bank has been generous in refunds up to this point and there does not appear to be any remaining charges at this juncture that warrant further refundsRegarding the $1,overdraft protection that you are referring to, it was revoked in June of due to a charge-off of one of your former accountsWhen accounts are charged off, the overdraft protection is automatically excluded from all other accounts attached to the respective tax identification number; in your instance this includes the (DBA) business accountAlso, there were several accusations made by you in regard to employee ***We apologize if you feel you did not receive quality customer service and be assured, we have discussed your letter with *** and her superiorIf our review of the circumstances reveals that the employee’s actions were not appropriate, we will ensure it is handled in accordance with our own internal proceduresLastly, per your request, your account has been transferred to Community Bank’s *** *** office Community Bank, N.Aand its predecessors have been serving upstate New York, New England and Northeast Pennsylvania for yearsWe take great pride in serving our communities and in being a responsible corporate citizenIf you would like to discuss this matter further, please contact our *** *** office

Dear [redacted],  At Community Bank, customer service is our number one
priority.  This includes taking steps to ensure that our systems perform
in a manner that provides our customers access to their accounts when they need
it.  We commit significant resources and people to...

insure our systems and
services meet our customers’ expectations.  While Community Bank’s overall
system availability and accessibility are high, the experiences you mention are
not acceptable in meeting our customers’ expectations.  We are reviewing
the particular matters you mention.  In general, as we discussed today we
are implementing upgrades in our systems which should further enhance
processing times and service delivery.
Community Bank, N.A. has been serving upstate New York and
Northeast Pennsylvania for almost 150 years.  We take great pride in
serving our communities and in offering personal and responsive services that
meet our customers’ expectations.  As I mentioned on our call, if you
would like to discuss this or any other matter further, I can be reached
directly at ###-###-#### or through e-mail at [redacted]@CommunityBankNA.com .  Community Bank values our
relationship with you and we hope that you will give us the opportunity to be
of further service in the future.
 
Sincerely,
Hal W[redacted]
Senior Vice President, Retail Banking

May 26, 2016 Mr. [redacted] Re:         Response to Complaint filed with the Revdex.com                 Mr. [redacted] ...

Dear Mr. [redacted],                 This letter is in response to the above referenced complaint filed with the Revdex.com (Revdex.com). In your submission, you voiced concern regarding your auto loan.                 It was noted upon review of your loan that the payments are currently due for 4/9/16 and 5/9/16 totaling $989.86, less a partial payment of $50.77 on record, plus late charges to-date totaling $1,330.48; the sum of these figures equates to the total amount currently past due of $2269.57. The difference between this amount and the $2210.18 reflected in the letter you received is an additional late fee incurred since. While the branch does not recall a conversation indicating that your April payment had been received, a payment was received on April 5th representing your March 2016 payment. To the extent that this was misinterpreted, we do apologize. It was also noted upon discussion with the Community Bank, N.A. branch you reference in your letter (Elm St, Malone) and review of the Collection Department notes, that both received a call on 5/19/16 subsequent to your receipt of the repossession letter. However, said calls were placed by your fiancé who is not on the loan; therefore, the Bank did not agree to discuss it with her, which is in accordance with company policy. In response, however, the Collections Department did follow-up by placing a call to you directly the same day and left a message, which has not been returned. Since receipt of your complaint, I have also made efforts to contact you to discuss the matter, but have not received a call back in response. Our review would indicate that the current accounting for your loan is accurate and that the previously referenced balance is due. Your timely submission of a payment to bring this loan current is necessary and would be most appreciated. If you have additional facts or information that we should consider, please call me directly to discuss.                 Community Bank, N.A. and its predecessors have been serving upstate New York and Northeast Pennsylvania for 150 years. We appreciate the opportunity to serve your banking needs and hope that you will give us the opportunity to do so in the future. I can be reached directly at [redacted] or by email at [redacted]

Dear Mr [redacted]This letter is in response to the above referenced complaint filed with the Revdex.com. In your complaint you voiced concerns regarding your checking account. Upon receipt of your complaint, the [redacted] Branch Manager made an effort to reach out to you by phone; however, no...

response was received. My review of your account history disclosed that you incurred a $2.00 paper statement fee on 1/23/18, at which time your account had a 42 cent balance, netting to a $1.58 shortage. The respective fee was disclosed to customers in the form of a letter in the 4th quarter of 2017 and a fee disclosure was included on their respective statements during that same period. Nonetheless, as a gesture of good faith we have refunded the net shortage of $1.58 to bring your account to a zero balance and have coded it as closed in response to your request.Regarding the letter you received mentioning a $5 daily overdraft fee, we apologize for any confusion; this language was included in error and there were no overdraft charges posted to your account. Community Bank, N.A. and its predecessors have been serving upstate New York, New England and Northeast Pennsylvania for 150 years. We take great pride in serving our communities and in being a responsible corporate citizen. If you would like to discuss this or any other matter further, I can be reached directly at [redacted] or by email at [redacted]