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Opus Bank Reviews (1)

Dear Ms. [redacted], This is in response to a letter received from you dated May 26, 2015 regarding complaint ID# [redacted] from [redacted]. Below is the account of events from the first contact Mr. [redacted] had with Opus Bank regarding this matter. On 05/12/2015 we received a signed...

"Electronic Transfer/Unauthorized Activity" claim form from Mr. [redacted] who submitted the form at our Twentynine Palms Client Experience Center for two transactions (the "Transactions") processed on account number ending in [redacted] (the "Account") and are listed below (the Transactions below are stated exactly as they appear on Mr. [redacted]'s Opus Bank Deposit Statement): 05/11/2015 $240.00 [redacted] Florida/ Merchant Code [redacted]-Misc Apparel 05/11/2015 $295.40 [redacted] New Jersey/Merchant Code [redacted]-Janitorial Service The above mentioned Transactions were manually entered to be processed against Mr. [redacted]'s debit card, both the CVV code printed on the back of the card and the client's zip code were used to validate the Transactions. These were "card in hand" processed Transactions. Mr. [redacted] indicated on the "Electronic Transfer/Unauthorized Activity" claim form that the Transactions were not his and he had his debit card in hand at the time the Transactions were processed. After concluding our investigation, on 05/13/ 2015 a letter confirming receipt of his claim was sent to Mr. [redacted] to the address on record with the Bank of [redacted], Twentynine Palms, CA 92277. The letter stated that as a result of our investigation, Opus Bank took the position that the Transactions were authorized and thereby the claim was denied. We also requested that Mr. [redacted] contact the merchants directly through whom the Transactions were processed and ask them to explain the charges and provide copies of any supporting documentation. Mr. [redacted] was also advised that he had the right to request copies of the documentation used by Opus Bank to deny his claim. On 05/15/2015 Mr. [redacted] returned to our Twentynine Palms Client Experience Center and filled out another "Electronic Transfer/Unauthorized Activity" form in which he states that he tried to contact the merchants directly and received a message of that the phone numbers were not a valid voice mail". Despite our initial denial of his claim, and due to his subsequent attempt to obtain information from the merchants, Opus Bank went ahead and processed his second claim and provided Mr. [redacted] provisional credit which posted to Mr. [redacted]'s Account in the amounts of $240.00 and $295.40 on 05/19/2015. These credits were provided to Mr. [redacted] on a provisional basis and should his second claim, after further investigation, be denied, Opus Bank would then debit the Account accordingly. As of the date of this letter, this claim is still open and under investigation at Opus Bank. On 05/21/2015 Mr. [redacted] closed the Account by cash withdrawal at our Twentynine Palms location. The closing amount included our provisional credits of $240.00 and $295.40. Opus Bank's handling of the above claim complies with error resolution procedures as described under Regulation E, Electronic Fund Transfer -12 CFR Section 205.6.

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Address: 2828 Colby Ave, Everett, Washington, United States, 98201

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