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Fidelity Deposit & Discount Bank

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Fidelity Deposit & Discount Bank Reviews (6)

January 15, 2016Dear [redacted] ***, Fidelity Deposit & Discount Bank has researched the complaint noted in your letter dated January 8, 2016, regarding the complaint of [redacted] . The following is an explanation, The account was opened on 12/31/2003, as a Personal... Scholar Checking account. It was then converted on 4/20/2009 to an E Choice Checking, at which time the attached disclosure was provided to the Customer stating that if the balance fell below $2,500, a $10 per month service charge would be accessed. The name of the E Choice checking account was changed in 2010 to Green Choice Checking, but all balance requirements and service charges remained the same. Attached please find the disclosure.The Customers balance fell below the required minimum balance of the $2,500 on June 23, 2015, at which time the $10 service charge was accessed to the account for that month. The $10 was then charged for the next six months, at which time the customer closed the account. We regret that the customer did not contact the Bank prior to contacting the BBB, as she was always in good standing and a resolution could have been rendered at the time. The $30 in dispute is being refunded to the customer with a letter stating our regret for her inconvenience. Please consider this dispute closed as We regret this situation has reached this level. Thank you for your time. Best regards, Maria L. Compliance Officer

January 15, 2016Dear *** ***,Fidelity Deposit & Discount Bank has researched the complaint noted in your letter dated January 8, 2016, regarding the complaint of *** * ***The following is an explanation,The account was opened on 12/31/2003, as a Personal Scholar Checking accountIt
was then converted on 4/20/to an E Choice Checking, at which time the attached disclosure was provided to the Customer stating that if the balance fell below $2,500, a $per month service charge would be accessedThe name of the E Choice checking account was changed in to Green Choice Checking, but all balance requirements and service charges remained the sameAttached please find the disclosure.The Customers balance fell below the required minimum balance of the $2,on June 23, 2015, at which time the $service charge was accessed to the account for that monthThe $was then charged for the next six months, at which time the customer closed the account.We regret that the customer did not contact the Bank prior to contacting the Revdex.com, as she was always in good standing and a resolution could have been rendered at the timeThe $in dispute is being refunded to the customer with a letter stating our regret for her inconvenience.Please consider this dispute closed as We regret this situation has reached this level.Thank you for your time.Best regards,Maria L.Compliance Officer

January 15, 2016Dear [redacted],
Fidelity Deposit & Discount Bank has researched the complaint noted in your letter dated January 8, 2016, regarding the complaint of [redacted]. The following is an explanation,
The account was opened on 12/31/2003, as a Personal...

Scholar Checking account. It was then converted on 4/20/2009 to an E Choice Checking, at which time the attached disclosure was provided to the Customer stating that if the balance fell below $2,500, a $10 per month service charge would be accessed. The name of the E Choice checking account was changed in 2010 to Green Choice Checking, but all balance requirements and service charges remained the same. Attached please find the disclosure.The Customers balance fell below the required minimum balance of the $2,500 on June 23, 2015, at which time the $10 service charge was accessed to the account for that month. The $10 was then charged for the next six months, at which time the customer closed the account.
We regret that the customer did not contact the Bank prior to contacting the Revdex.com, as she was always in good standing and a resolution could have been rendered at the time. The $30 in dispute is being refunded to the customer with a letter stating our regret for her inconvenience.
Please consider this dispute closed as We regret this situation has reached this level.
Thank you for your time.
Best regards,
Maria L.
Compliance Officer

With regard to the complaint received by the through the Revdex.com involving a Billing or Collection issue;The above reference complaint involved three parts: 1) A recurring delinquency report in the amount of $214 to [redacted]; 2) Alleged rude treatment by ‘many bank employees’...

and 3) Alleged refusal by the Bank or its employees to address the [redacted] reporting.Regarding the delinquency, we can refer you to a statement of public record dated June 1, 2010 in the approximate amount of $243,000 which references the complainant's financial obligations to Fidelity Bank. Without disclosing any personal and private details of our business dealings with the customer, it is fair to state that this issue is related to that filing.
Regarding the alleged rude treatment by ‘many bank employees’, we take pride in providing the most professional and courteous service to all our customers. Sometimes, however, our employees are simply not able to perform that which is requested or even demanded of them. This customer’s unusual situation happens to be one of those occasions. Despite our best efforts to accommodate his requests, our inability to do so may have been interpreted by him to be rude treatment. I have met with all Bank employees known to have attempted to help him in his requests and have found no evidence of rude or unprofessional treatment of him.
Regarding the alleged refusal by the Bank or its employees to address the [redacted] reporting, this simply is not true. Again, without breaching client confidentiality of his personal information, we can state that we are reporting identical information to all 3 credit reporting agencies. For some reason, only [redacted] is reporting the $214 figure, which is not accurate or correct, each month. We are researching whether this is a problem of Software compatibility between our accounting system and [redacted]'s system, but at this point we don’t know why the other 2 agencies are correct when [redacted] is not, Our employees did advise the customer to contact [redacted] since it Seems logical that the problem lies at least in part with them. However, we continue to Work on our end to attempt to resolve this problem.
A review of the actions performed in relation to this request indicates that Fidelity Deposit & Discount Bank has complied with the Fair Credit Reporting Act and internal procedures.We empathize with this customer and are working to provide the desired outcome/settlement which he seeks. However, it is become clear that the solution may require joint effort and cooperation between him, Fidelity Deposit & Discount Bank, and [redacted] for this to be resolved to his satisfaction. 
If you have any questions, please feel free to contact me, Heather K[redacted], at ###-###-#### or via email at [redacted], Thank you.

Review: I have been disputing an account I had with Fidelity Bank for the last 6 months. Fidelity continues to report to [redacted] credit that I owe a balance of 214$ and that I have late payments for the last 3 years. I have not had this account since September 2011. I have documentation from them that it should be a zero balance. This issue is preventing myself and my wife from buying a house. I have talked to many bank employers at this bank they have been very rude to me and my wife. They have to understand if they were in my situation they would want this corrected also.

I have talked to a bank employee about the situation and have disputed this acct with [redacted] many times. [redacted] will update it to a zero balance then a couple days later fidelity reports it as 214$ late. I talked to [redacted] supervisors the advised a bank employee can call [redacted] local marketing department to clear up the problems with why it's reporting this way. The bank and their employees have refused to do this and refused to help me any further. I have been told there is nothing they can do and they will not do anything further.Desired Settlement: Fidelity Bank needs to call [redacted] and straighten this account out so it reflects a zero balance on my report since September 2011

Business

Response:

With regard to the complaint received by the through the Revdex.com involving a Billing or Collection issue;The above reference complaint involved three parts: 1) A recurring delinquency report in the amount of $214 to [redacted]; 2) Alleged rude treatment by ‘many bank employees’ and 3) Alleged refusal by the Bank or its employees to address the [redacted] reporting.Regarding the delinquency, we can refer you to a statement of public record dated June 1, 2010 in the approximate amount of $243,000 which references the complainant's financial obligations to Fidelity Bank. Without disclosing any personal and private details of our business dealings with the customer, it is fair to state that this issue is related to that filing.Regarding the alleged rude treatment by ‘many bank employees’, we take pride in providing the most professional and courteous service to all our customers. Sometimes, however, our employees are simply not able to perform that which is requested or even demanded of them. This customer’s unusual situation happens to be one of those occasions. Despite our best efforts to accommodate his requests, our inability to do so may have been interpreted by him to be rude treatment. I have met with all Bank employees known to have attempted to help him in his requests and have found no evidence of rude or unprofessional treatment of him.Regarding the alleged refusal by the Bank or its employees to address the [redacted] reporting, this simply is not true. Again, without breaching client confidentiality of his personal information, we can state that we are reporting identical information to all 3 credit reporting agencies. For some reason, only [redacted] is reporting the $214 figure, which is not accurate or correct, each month. We are researching whether this is a problem of Software compatibility between our accounting system and [redacted]'s system, but at this point we don’t know why the other 2 agencies are correct when [redacted] is not, Our employees did advise the customer to contact [redacted] since it Seems logical that the problem lies at least in part with them. However, we continue to Work on our end to attempt to resolve this problem.A review of the actions performed in relation to this request indicates that Fidelity Deposit & Discount Bank has complied with the Fair Credit Reporting Act and internal procedures.We empathize with this customer and are working to provide the desired outcome/settlement which he seeks. However, it is become clear that the solution may require joint effort and cooperation between him, Fidelity Deposit & Discount Bank, and [redacted] for this to be resolved to his satisfaction. If you have any questions, please feel free to contact me, Heather K[redacted], at ###-###-#### or via email at [redacted], Thank you.

The bank is very good, the online services very poor!

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Description: Banks

Address: 101 N Blakely St, Dunmore, Pennsylvania, United States, 18512

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