NBT Bank

We received correspondence from your office on January 17, 2018 regarding your case  assigned as ID #[redacted]  The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A, and as a nationally chartered financial institution, we are not able to...

respond  directly to the Revdex.com. We will follow our customary process for  responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns.  I can be contacted at [redacted] if you have any further questions regarding thisrequest. Thank you.  Sincerely,   Andrea C. P[redacted]   Administrative Assistant  Consumer Lending Division

We received correspondence from your office on November 2, 2015 (dated October 27,2015), regarding yow: case assigned as ID #[redacted].The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A., and as a nationally chartered financial institution, we are not able to responddirectly to the Revdex.com. We will follow our customary process forresponding to customer complaint situations within the supervisory expectations of theOCC, and will contact the customer directly to resolve their concerns.I can be contacted at [redacted] if you have any further questions regarding thisrequest. Thank you.Sincerely,Andrea C. P[redacted]Administrative AssistantConsumer Lending Division

We received correspondence from your office on November 19, 2015 (dated November 11, 2015), regarding your case assigned as ID #[redacted]. The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A, and as a nationally chartered financial institution, we are not...

able to respond  directly to the Revdex.com. We will follow our customary process for  responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns. I can be contacted at [redacted] if you have any further questions regarding this request. Thank you.  Sincerely, Andrea C. [redacted]Administrative Assistant  Consumer Lending Division

Dear [redacted]:  We received correspondence from your office on March 18, 2016 (dated March 14, 2016), regarding your case assigned as ID #[redacted]. The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank; N.A., and as a nationally chartered financial institution,...

we are not able to respond directly to the Revdex.com. We will follow our customa1y process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns. I can be contacted at 607-337-6134 if you have any further questions regarding this request. Thank you. Sincerely,Andrea C. [redacted]  Administrative Assistant Consumer Lending Division

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
THE BUSINESS HAS NOT MADE AN ATTEMPT TO CONTACT ME AT ALL - CUSTOMER SERVICE DOES NOT KNOW ANYTHING ABOUT MY COMPLAINT.
Regards,
[redacted]

We have received your letter dated March 26, 2018, regarding your case assigned as ID #[redacted] The Office of the Comptroller of the Currency (OCC) is the primary regulator for  NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the...

Revdex.com. We will follow our customary process for responding to customer complaint situations within thesupervisory expectations of the OCC, and will contact the customer directly to resolve their concerns.  Please feel free to contact me at [redacted] if you have any further questions regarding this request. Thank you.   Sincerely,   Karen M D[redacted]  Assistant Vice President  Branch Operational Support

I spoke with [redacted] and he stated he only rejected the response because he never received a response at that point. After he rejected it he finally got an answer from the comptroller and his complaint is now resolved.

We received correspondence from your office on August 7, 2017 regarding your case assigned as ID #[redacted]. The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A, and as a nationally chartered financial institution, we are not able to respond directly to the...

Revdex.com. We will follow our customary process for responding to customer complaint situations within the supervis01y expectations of the OCC, and will contact the customer directly to resolve their concerns. I can be contacted at ###-###-#### if you have any further questions regarding this request. Thank you. Sincerely, Andrea P. Administrative Assistant Consumer Lending Division

We have received your letter dated February 21, 2108, regarding your caseassigned as ID# [redacted].The Office of the Comptroller of the Currency (OCC) is the primary regulator forNBT Bank, N.A., and as a nationally chartered financial institution, we are notable to respond directly to the Better...

Business Bureau. We will follow ourcustomary process for responding to customer complaint situations within thesupervisory expectations of the OCC, and will contact the customer directly toresolve their concerns.Please feel free to contact me at 607-337-6180 if you have any further questionsregarding this request. Thank you.Sincerely,Karen M D[redacted]Assistant Vice PresidentBranch Operational Support

We have received your letter dated November 28, 2016, regarding your case assigned as ID #[redacted].  The Office of the Comptroller of the Currency (OCC) is the primary regulator for  NBT Bank, N.A., and as a nationally chartered financial institution, we are not  able to respond...

directly to the Revdex.com. We will follow our  customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns. Please feel free to contact me at 607-337-61 80 if you have any further questions regarding this request. Thank you.  Sincerely, Janice K. [redacted] Bank Officer and Assistant Branch Administrator Sales and Administration

We have received your letter dated February, 23, 2016, regarding your case assigned as ID #[redacted].  The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBT Bank, N.A., and as a nationally chartered  financial institution, we are not· able to respond directly...

to the Revdex.com. We will follow our customary process for responding to customer complaint situations within the supervisory expectations of the OCC, and will contact the customer directly to resolve their concerns. Please feel free to contact me at [redacted]   if you have any further questions regarding this request Thank you.   Sincerely,  Janice K. [redacted]  Bank Officer & Asst. Branch Administration  Sales and Administration

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  They have reached out to me privately to resolve the matter.  Regards,  [redacted]

We received correspondence from your office on October 15, 2015 (dated October 13, 2015), regarding your case assigned as ID #[redacted]   The Office of the Comptroller of the Currency (OCC) is the primary regulator for NBTBank, N.A., and as a nationally chartered financial institution, we...

are not able to respond directly to the Revdex.com. We will follow our customary process for responding to customer complaint situations within the supervisory expectations of the ace, and will contact the customer directly to resolve their concerns. I can be contacted at 607-337-6134 if you have any further questions regarding this request. Thank you. Sincerely, Andrea C. P[redacted]Administrative Assistant  Consumer Lending Division

We have received your letter dated May 20, 2015, regarding your case assigned as ID #[redacted].The Office of the [redacted] of the [redacted]) is the primary regulator for NBT Bank, N.A., and as a nationally chartered financial institution, we are not able to respond directly to the Better...

Business Bureau. We will follow our customary process for responding to customer complaint situations within the supervisory expectations of the [redacted], and will contact the customer directly to resolve their concerns.Please feel free to contact me at ###-###-#### if you have any further questions regarding this request. Thank you.Sincerely,Andrea C. P[redacted]Administrative AssistantConsumer Lending Division

Bought a car from NBT Bank and paid the car off early and they was hitting me with late fees when I was paying lump sum payments to pay the car off early. spoke to Manager in Loan Department said she couldn't refund me the fees. Then I informed her it was a mistake on your part and why I cant get a refund when I asked them to put the money towards payments. she the said she can refund me like almost 60.00 which is so unfair. People try to get out of debt and NBT trying to keep people in debt. was hit with late fees even with the car paid off a year in half early. I fill like im getting punished for paying off early.

I applied for a credit card line at NBT bank on Tuesday, Oct. 29th., and was turned down. The next day on Wednesday, [redacted] resubmitted more of my information and said to me on wed. I will call the loan company and find out and will call you on Thursday during the day. I promise to call you either way. On Thursday, I called at 4pm and she was not there. I called back this morning and she was nasty and told me to not to call the bank again and to cancel the resubmission with out my consent and said that I never called her on wed. or Thursday and said she was never going to call me to communicate to me at all unless she heard from the loan company. She also said I was lying to her. I got off the phone and tried to call her boss and [redacted] told me that [redacted] was not able to call me back until Monday. I was so upset after I hung up that I started to cry. I do not know what to do. Please help me. Thank you for your time. [redacted]Desired SettlementI want an apology from [redacted] for the way she was to me and for telling me she will not go any further with me and not to bother coming back or calling the bank. I also want a credit line of $2,000 dollars. I want her suspended with out pay. I am devastated. Business Response I would like to kindly respond to the referenced complaint and resolution, regarding the mentioned case number that was filed on November 4th, 2013. Always being certain to keep any of our prospective and/or existing customers best interests in mind, it was unfortunate that that there was an undesirabel outcome for the individual regarding lending options. I was happy to provide information and to assist in helping this individual; who was a past customer years ago, when they had called to ask about thier lending otions. We discussed a couple different avenues and, based on the individuals needs, applied for credit. The response times on differnt lending products, as well as the qualifications that need to be met for approval, can and do vary. After submitting the original requests for the lending options, they were unfortunaley declined. I had informed the client, in a timely manner, consistent with the response time received back from the lenders and advised the individual of the declinations. The individual did inform me of past infromation and I had advised that we could submit additional information to see if there may be any other considerations made for a turn around of decisions. This additional information was submitted by me and, to date, has not been able to turn around the original declinations. The individual had called me upset on Nov 1 and proceeded to get very vocal, as I tried to explain the process and the time frame varies depeding on the department and product we are dealing with. Unfortuatley the indvidual did not want to speak with me any longer and proceeded to get vocal and asked for my supervisors name and number, which I did provide. Unfortunaley I, as well as our business, took every attempt to try and assist the individual, but unforuntalery were unable to turn the original decisons around, based on the information provided. I am certainly empathetic to the fact that, even with additional inforamtion we were unable to assist the individual in getting an approval, to date. I am hopeful that the individual may be able to have her requests granted in the future.