International Bank of Commerce

Attached is the bank's response. Thank you, [redacted]

IBC periodically offers customers 1) $1,000 of free AD & D insurance coverage and 2) additional AD & D coverage for a fee (premium).  Based on the information noted by Ms. [redacted] and a conversation with Ms. [redacted] on December 2, 2015 it appears there may have been some miscommunication...

between our third party provider Affinion and Ms. [redacted].  In order to provide complete satisfaction to our customer we have refunded her $103.00 on December 2, 2015 ($33 premium plus two $35 return item fees).  Ms. [redacted] was grateful for the call and the refund and appears to be happy with our action.

Attached please find the attached response for the complaint filed by [redacted].

Upon receiving the complaint and conducting research we did find that Ms. [redacted] had two accounts with IBC Bank. In reviewing the accounts' history, account A shows to have been opened on 08/27/2014 and was charged off/closed on 10/30/2014 with an uncollected balance of -Sl 20.75;...

account B (which is the one listed on the complaint) shows to have been opened on 12/18/2014 and was charged off/closed on 04/27/2015 with an uncollected balance of -$204.98. We also show that bank statements, bank notices, and close out letters were sent to Ms. [redacted]. [redacted] with account infornation. We also have a collection department that works with customers on a payment plan.Both accounts incurred return item fees and overdraft interest charge fees; we were not able to trace any debit card and/or ACH debit disputes for any account due to fraud submitted or requested by Ms. [redacted].I tried reaching Miss [redacted] by leaving a voice message and via email on the contact information provided; I'll be more than glad to provide all the information and assist her to resolve any banking issue she may have. I've listed my contact information below.Thank you again for bringing this matter to our attention.Sincerely,[redacted]

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

Attached please find the bank's response to the complaint filed by Mr. [redacted]

We are still in the process of working with the customer to resolve this issue.  We should have a final response by the end of the week.

Attached please find our response directed to Ms. [redacted].

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
I just wanted to update this complaint.  I returned to the bank on Wednesday, 8/3/2016 and spoke to the branch manager....

 He informed me that the assistant branch manager [redacted] never gave him my messaged to call me back.  He assured me that he would look into why he had not received my messaged.  He asked me to reiterate my experience and said he would meet with the Head Teller on my behalf.  He called me on Thursday, 8/4/2016 and said that they had deposited the $100 back into my account.  This matter has been resolved.  Thank you,[redacted]

We are in agreement that fraudulent checks were negotiated against Mr. [redacted]' account at IBC. However, Mr. [redacted] did not properly safeguard his checks and significantly contributed to the fraud committed against his account. We have been in contact with Mr. [redacted] and have offered to settle the matter by negotiating the amount of the loss. Mr. [redacted] has refused, so we have turned the matter to our attorney [redacted] of [redacted]. Our attorney has repeatedly tried to contact Mr. [redacted] for the past few days in a last ditch effort to settle the matter; however, he has not responded to our calls.If you have any questions, please do not hesitate to contact me directly at [redacted]Respectfully,[redacted] Executive Vice President

Complaint: [redacted]
I am rejecting this response because: IBC only offered to give us back 50% of the total value that we lost.  IBC did not verify my wife's or my signatures on these checks before cashing them.  IBC determined that it was their fault, but are still not wanting to...

refund me the total amount of money that IBC lost because of not doing THEIR do-diligence!  I do not know how much more secure I could have been with my checks, since I put them up in a drawer in my apartment, and NEVER allowed anyone to be there until the movers were in our apartment.  IBC does NOT value us as customers, because they have been causing us as much hassle as they can, while we are trying to get back 100% of our money.  This is unacceptable!  Also, I have already spoken with the person from your legal team during last week, so this point is moot.  
Regards,
[redacted]