Ott Auto Sales

Dear Mr [redacted] :We received your complaint to the Revdex.comThank you for bringing this matter to our attention.This letter serves to summarize the results of our investigation.I have spoken to our bankers in our Loan Recovery areaOur records indicate you called us on January 28,2016, to make payment arrangements for an account that had been charged offYou were informed theaccount you intended to use to pay the outstanding balance was overdrawnOn March 11, we received adispute through [redacted] , an online reporting and notification forum from credit agencies, indicating you hadfiled bankruptcyHowever, we were unable to validate the bankruptcyOn April29, we received anotherdispute through [redacted] indicating you were disputing the charge off as identity fraud with a claim the accountwas fraudulently openedAnother dispute received May again cited identity fraud.This summer, when you spoke to [redacted] , you informed her that you filed bankruptcy in June of this year butwere unable to provide us with a case numberWithout a case number, we are unable to validate the filing.On September 12, we received another dispute indicating you filed Chapter bankruptcy in NebraskaThedocumentation was not complete and Nebraska's bankruptcy court was unable to validate the filingWe wereinformed by a court clerk there was no record of your filing in Nebraska.Mr [redacted] , we would like to assist you in this matter but are unable to proceed without validating thebankruptcy filingIf you can provide us with a valid case number, we can complete our validation processWewill then be able to update our report to the credit bureaus and bring resolution to this matter.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]

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. hello,I filed a compliant against this bank earlier today because I could not reach anyone at any of their phone numbers and I was... worried that they had gone out of business and taken my elderly mother's money with them.some hours later I did receive a call from an agent I have been dealing with so I am hoping to be able to continue to communicate with them and don't think I should ask you to continue devoting your resources to pursuing this issue.thank you,Regards, [redacted]

We received your complaint to the Revdex.comThank you for bringing this matter to ourattentionThis letter serves to summarize the results of our investigation.I have spoken to the Financial Center Manager you worked with, [redacted] As you stated, ourbanker set up accounts for the multiple HOAs you manage, using the EIN for your business instead of theone assigned to the individual HOAsThis was our error, and I apologize for the inconvenience thatcausedIn May, [redacted] explained the error to you, and asked you to provide the correct EIN for eachassociationBy August, when we still had not received the correct information, we had to make thedecision to close the accounts.At that time, we indicated you would have days to close the accounts to give you time to find a newbankAt your request, we extended the closing date to the end of September, some days later.In reviewing your accounts, it does not appear Frost assessed any fees for checks, deposit books orstampsThe fee for cashier's checks is $per itemThe Frost Business Checking account monthly servicefee is $7, which can be waived when a minimum balance of $is maintained during the statementperiodYour statements indicate the balances in each account had fallen below the minimumrequirement in SeptemberAs a result, the monthly service charge was assessed.Again, I apologize for the inconvenience our initial error caused

Please see attached fax letter

Thank you for speaking to me today regarding your recent experience with Frost and your complaint filed with the Revdex.com on May 13, l am very sorry your request for a refund was not accommodated during your initial call with FrostWe certainly should have been able to take care
of those charges for you at the timeToday, l refunded your account $for the NSF fee charged as a result of two unauthorized PayPal transactionsI have also verified your address and released mail to you for both your business and personal accountsThank you for sharing your comments with mePlease be assured, we are already addressing the service concerns with the employeeShould you need anything more, we are always ready to help

We received your complaint to the Revdex.com. Thank you for bringing this matter to ourattention. This letter serves to summarize the results of our investigation.I have spoken to the Financial Center Manager you worked with, [redacted]. As you stated, ourbanker set up accounts for...

the multiple HOAs you manage, using the EIN for your business instead of theone assigned to the individual HOAs. This was our error, and I apologize for the inconvenience thatcaused. In May, [redacted] explained the error to you, and asked you to provide the correct EIN for eachassociation. By August, when we still had not received the correct information, we had to make thedecision to close the accounts.At that time, we indicated you would have 30 days to close the accounts to give you time to find a newbank. At your request, we extended the closing date to the end of September, some 20 days later.In reviewing your accounts, it does not appear Frost assessed any fees for checks, deposit books orstamps. The fee for cashier's checks is $5 per item. The Frost Business Checking account monthly servicefee is $7, which can be waived when a minimum balance of $3000 is maintained during the statementperiod. Your statements indicate the balances in each account had fallen below the minimumrequirement in September. As a result, the monthly service charge was assessed.Again, I apologize for the inconvenience our initial error caused.

Thank you for speaking to [redacted] yesterday regarding your recent experience with Frost and your complaint filed with the Revdex.com on December 9, 2016.Thank you for bringing your concerns to our attention.I am very sorry for our error in assessing an NSF fee for an item...

with a stop payment order.The process to return the electronic item is manual. When the reviewer returned the item, he did not see that it also generated an NSF fee, which should have been waived.We have refunded the fee to your account. Also, we have refunded the NSF fees you received on November 25, December 5, and December 7. Iam very sorry you were declined the refund as a result of the stop payment Issue.[redacted],you mentioned you wanted to move funds from other banks to Frostin an effort to prevent NSF fees.Ifyou need help transitioning funds to Frost, we would be more than happy to assist. We also are happy to review our overdraft options, Including overdraft courtesy and overdraft protection. You can review these options on our website at [redacted] .However, please let me know if Ican help connect you with a banker to review your options in person.Thank you for sharing your concerns regarding Supervisors In our call center. Please be assured, we are addressing the concerns with their managers.While Iexpect you will have positive experiences going forward, you are always welcome to ask to speak to a manager.You also are welcome to call or visit any financial center to speak to a Personal Banker or Financial Center Manager who can help you.  Please call us if we can help you with anything else. We are always here to help.

We received your complaint filed with the Revdex.com.This letter serves to summarize the results of our investigation.I am very sorry you were surprised by our final action to collect payment on the outstanding debt owed to Frost Bank. We have made multiple attempts since early...

October to reach you by phone, letter, and e·mail to discuss re-payment options in order to maintain your relationship. We attempted to contact you after your debt was charged off, as well.Your account became overdrawn on September 19, 2016.At that time, your balance was ·$227...4.On October 3, your account balance was -$310.93. We attempted to call you on October 7 to help you make payment arrangements .When you did not answer, we sent you an e-mail to the address on file.We mailed you a letter asking you to call us to discuss your overdraft on October 12 to the address you have on file with us, which is the same address you provided to the Revdex.com.We attempted to can again on October 17 and 19.When no one answered,we followed up withe-mails each time. Finally, on November 10, when your account had been overdrawn 45 days. we again attempted to call you. Because the phone had been disconnected, we followed up with an e-mail.Your account was charged off on November 18 with a debt of -$457.93. We informed you of the charge off by letter on November 22. We exercised our right to set off the debt via another account on which you are an owner on December 28 when no payment had been made .Frost's right of setoff is disclosed in the Deposit Account Agreement And Other Dilsclosures every customer is provided at the time of account opening.You can find the Right of Setoff section on frostbank.com, Section VI. Deposit Accounts, N. Right of Setoff. Frost is entitled to exercise Right of Setoff under common law and under the statute per Texas Finance Code 34.307.Sincerely,

Good morning!Attached is Frost Bank’s response to Ms. [redacted]. I attempted to send by fax both yesterday and today, but the fax wasn’t going through. I’ve attached a screen shot of the response in case you need to share with your technical team. I was given your email address as an...

alternative.Please let us know if you have any questions. We are happy to help.Thank you![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.
hello,I filed a compliant against this bank earlier today because I could not reach anyone at any of their phone numbers and I was...

worried that they had gone out of business and taken my elderly mother's money with them.some hours later I did receive a call from an agent I have been dealing with so I am hoping to be able to continue to communicate with them and don't think I should ask you to continue devoting your resources to pursuing this issue.thank you,Regards, 
[redacted]

Dear Mr. [redacted]:We received your complaint to the Revdex.com. Thank you for bringing this matter to our attention.This letter serves to summarize the results of our investigation.I have spoken to our bankers in our Loan Recovery area. Our records indicate you called us on January...

28,2016, to make payment arrangements for an account that had been charged off. You were informed theaccount you intended to use to pay the outstanding balance was overdrawn. On March 11, we received adispute through [redacted], an online reporting and notification forum from credit agencies, indicating you hadfiled bankruptcy. However, we were unable to validate the bankruptcy. On April29, we received anotherdispute through [redacted] indicating you were disputing the charge off as identity fraud with a claim the accountwas fraudulently opened. Another dispute received May 26 again cited identity fraud.This summer, when you spoke to [redacted], you informed her that you filed bankruptcy in June of this year butwere unable to provide us with a case number. Without a case number, we are unable to validate the filing.On September 12, we received another dispute indicating you filed Chapter 7 bankruptcy in Nebraska. Thedocumentation was not complete and Nebraska's bankruptcy court was unable to validate the filing. We wereinformed by a court clerk there was no record of your filing in Nebraska.Mr. [redacted], we would like to assist you in this matter but are unable to proceed without validating thebankruptcy filing. If you can provide us with a valid case number, we can complete our validation process. Wewill then be able to update our report to the credit bureaus and bring resolution to this matter.Sincerely,[redacted]
[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]

PLEASE SEE ATTACHED

September 18, 2015 [redacted] San Antonio, TX 78254 RE: Your complaint to the Revdex.com regarding the closing of your account. Revdex.com ID# [redacted] Dear Ms. **: I have tried to reach you by phone to set an appointment to visit with you, but have not heard back....

When you have settled-in after moving, please call me so we can meet in person. I am very sorry you were informed by letter about our decision to close your account. We should have invited you to a location to discuss the situation, which is our normal practice. I understand your concerns. Please be assured I am addressing the issue with the employees involved. The concern we have regarding your account is related to the multiple international wires and the transfers to another account at your primary bank. We believe your Frost account is being used as a transactional account only. All banks are expected to monitor account activity and have an obligation to understand the transactions. At Frost, we use software and reporting to oversee activity, such as wires and transfers with high dollar amounts and high frequency. Typically, international activity is reviewed as well. When activity appears to be out of the norm, we are notified and are required to provide explanation to regulators who monitor financial activity. As a relationship bank, we want to know our customers so we can be financial partners and develop long-standing relationships. However, after reviewing your statements, it appears this account was opened solely for the purpose of conducting international wires. This limited engagement prevents us from building a banking relationship with you. When you opened your account on May 20, 2015, you indicated your wire transfer activity would be approximately one per year. On June 10, 2015, and June 25, 2015, you received wires from China. On June 29, 2015, the majority of the funds from those wires were transferred to your account at another financial institution. On July 16, 2015, you received another wire from China then transferred those funds to your account at another financial institution. Aside from [redacted] Sep/18/2015 9 25 12 PM                               Frost Bank 2102206310                                   ...⇄ 3/3 the opening deposit, the only activity in your account has been wires and transfers. We made the decision to close your account because it appears to us the account was not opened for everyday personal banking activity. Because funds arc deposited from an international source then moved to another institution right away, we have been placed in the middle of activity we do not understand. We are not comfortable with this position. This is why we made the decision to close your account. We certainly should have approached the situation differently. I am sorry. Again, I would appreciate the opportunity to discuss this with you in person. Please call me so we can meet.