Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The bank fees are not applicable if the amount was refundedThe bank did not pay for an overdraft since the money was refundedAnd I still haven't received supportive documentation for their actionIf there is no supportive documentation for their action, the only grounds for their process is theftWhere is the supportive documentation detailing overdraft fees? One employee already declared that such documentation doesn't exist
September 28, Revdex.com, IncS4th Street Louisville, KY 40203- RE: [redacted] ; Complaint ID [redacted] Dear Conciliation Department: Republic Bank & Trust Company is in receipt of the referenced complaint, and we appreciate the opportunity to respond According to our records, we entered into a repayment plan agreement with Ms [redacted] However, when the first payment was processed according to that plan on 9/9/2016, we inadvertently processed the normally scheduled payment as well When Ms [redacted] brought this to our attention, we asked that she provide a bank statement to show that both payments had cleared her account We issued a refund on 9/20/ On 9/23/2016, we received additional documentation from Ms [redacted] , indicating that insufficient funds fees had been charged to her checking account as a result of our withdrawal We will issue a refund of those charges, in the total amount of $144, on 9/29/ We apologize for the payment error and any inconvenience Ms [redacted] has experienced as a result Thank you for the opportunity to address this matter Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, KY
February 22, [redacted] *** [redacted] ** [redacted] RE: Complaint ID [redacted] To Whom It May Concern: We are in receipt of the Complaint filed by Ms [redacted] with the Revdex.com on February 11, We have reviewed our file and appreciate the opportunity to respond to Ms [redacted] ’s concerns At this time, our Director of Client Operations, [redacted] , has contacted Ms [redacted] to address her concerns directly Please see below the steps taken by our Associate to address Ms [redacted] ’s Complaint Ms [redacted] filed her taxes online at [redacted] On January 25, 2018, when the IRS acknowledged Ms [redacted] ’s tax return, her information, including her bank account information, was transmitted to Republic Bank for processing Upon receipt of the information, Republic Bank sent a $test deposit to ensure to the Wells Fargo account Ms [redacted] provided was an open and active account On January 31, 2018, Wells Fargo responded to the test deposit advising us the account could not be located The NACHA return code provided by Wells Fargo was R03, which indicates: “No account/unable to locate.” As a result, Republic changed the disbursement method from direct deposit to a check, and Republic sent to Ms [redacted] that same day an email explaining the changeA copy of the email sent to Ms [redacted] on January is enclosed Prior to receipt of this Complaint, Ms [redacted] had not contacted Republic Bank to discuss this matter Upon receipt of the complaint, Mr [redacted] reached out to discuss Ms [redacted] ’s concernsMr [redacted] confirmed during the conversation that the account number Ms [redacted] had provided to Republic Bank via TaxACT was missing a digit Mr [redacted] explained to Ms [redacted] this was, more than likely, the reason Wells Fargo returned the $test deposit During the conversation, Mr [redacted] changed the account number to the correct account number Following this correction to Ms [redacted] ’s account information, and upon Republic’s receipt of Ms [redacted] ’s refund from the IRS, the refund will be deposited to the Wells Fargo account she has designated Thank you again for the opportunity to address Ms [redacted] ’s concerns, and as always, we value our partnership with the Revdex.com Louisville Please do not hesitate to contact us if we can be of further assistance in this matter Sincerely, [redacted] Associate Counsel Republic Bank & Trust Company [redacted] Louisville, Kentucky Enc(1)
March 10, THE Revdex.com, INCS4th Street Louisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Ms [redacted] filed her taxes through an online tax software company (“ [redacted] ”) When filing her taxes online, Ms [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to her account at another bank via Automated Clearing House This bank product is called a Refund Transfer Republic received $2,from the IRS in the name of Ms [redacted] We deducted the authorized fees (Refund Transfer fee of $and a tax preparation fee of $44.97) and released the remainder of Ms [redacted] ’ tax refund ($2,307.04) to the account Ms [redacted] instructed Ms [redacted] ’ acknowledged amount on her tax return was $3,674.00, exactly $1,less than what was sent by the IRS As stated in the Bank Product Application and Agreement that Ms [redacted] agreed to, we cannot guarantee when or in what amount the IRS will disburse Ms [redacted] ’ tax refund Unfortunately, Ms [redacted] must contact the IRS to determine why her tax refund was less than her tax return stated We have attempted to contact Ms [redacted] to explain the situation, but have not been successful If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
March 8, Revdex.com, Inc*** [redacted] ** [redacted] RE: Complaint ID: [redacted] To Whom It May Concern: We are in receipt of the customer complaint submitted by Ms [redacted] on February 24, 2018, and appreciate the opportunity to respond It is our understanding of Ms***’ complaint that she is dissatisfied with the refund advance product issued by Republic Bank & Trust Company, in part due to an alert on her Experian credit report We have reviewed our records and can provide the following response: On February 1, Ms***, via her tax preparer, applied for an Easy Advance refund advance product, issued by Republic Bank & Trust Company At the time of application, Ms [redacted] had an extended alert on her Experian credit report requiring Republic to verify her identity before extending credit Unfortunately, the alert did not include contact information so we were unable to contact Ms [redacted] in response to this alert On February 5th, four days after the receipt of Ms***’ application, the application expired and her account was frozen due to Republic’s inability to verify her identity, for security reasons On February 16th, Ms***’ refund was received from the IRS, but could not be processed due to the security freeze on her account Ms [redacted] called Republic Bank on February 21st During this call, our Associates were able to verify her identity using our identity verification procedures Ms***’ account was unfrozen that evening and on February 26th, a check was printed by Ms***’ tax preparer Our records indicate at this time that Ms [redacted] was able to obtain and cash her refund check, as the check was verified on February 28th and cleared on March 1st We sincerely apologize for any inconvenience Ms [redacted] may have experienced, and wish to assure Ms [redacted] that any delay in the processing of her refund was the result of steps taken by Republic Bank to ensure the security of her information and funds We hope this response will help to alleviate Ms***’ concerns regarding the processing of her Easy Advance refund Republic Bank values its relationship with the Revdex.com Louisville, and we very much appreciate the opportunity to respond to this customer’s concerns We look forward to our ongoing relationship with Revdex.com, and please do not hesitate to contact us if we can be of further assistance in this matter Sincerely, [redacted] Associate Counsel Republic Bank & Trust Company [redacted]
December 26, THE Revdex.com, INCS4th Street Louisville, KY 40203- RE: Complaint – [redacted] ** [redacted] To Whom It May Concern: Republic Bank & Trust Company, the issuer of the [redacted] ***, is in receipt of your communication dated December 8, 2017, regarding Ms [redacted] Please note that this letter is not an attempt to collect a debt, but a response to your communication We have reviewed Ms [redacted] ’s account statementsMs [redacted] ’s most recent statement, dated December 11, 2017, indicates that she is caught up on her payments and Ms [redacted] ’s account is currentAs such, Ms [redacted] will not be subject to any adverse reporting to the [redacted] bureaus Should Revdex.com or Ms [redacted] have any additional questions or concerns, please feel free to call our customer service number at 1-800-634- Sincerely, Republic Bank & Trust Company West Market Street Louisville, Kentucky
The fee was part of the $fee charged the Bank for the legal filing of proof of claims on two loans related to the bankruptcy filing by Mr*** He is responsible for repaying the Bank for this legal expense We have allocated this fee and it was split between ML and LN for $each Payoff amount is correct, but the full fee for the Proof of Claim filings is $If Mr[redacted] would like us to put the full fee on the ML loan, we will be glad to handle it that way and refund the $legal fee charged on the CL loan
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] I had spoken with the bank manger and they informed me that when [redacted] refunded my money to my account they would dismiss the over draft fees, which have grown to $90,since the 06/15/2015, *** returned the $to my account 06/25/and my over draft fees continue to mount.my account debt has grown to over $200,WO, and [redacted] said she tried to contect me,I called the republic bank and they responed to my over draft,why do we need to speak when [redacted] refuned the money and the over draft fees should be taken off my account as stated previously,over the phone and in the online emailthank you Revdex.com
[redacted] *** [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond Ms [redacted] was attempting to cash a check drawn on Republic Bank & Trust Company (“Republic”) Unfortunately, she was not able to do so on February 10, We have attempted to contact Ms [redacted] numerous times Unfortunately, the contact number Ms [redacted] provided does not allow us to leave a message Thus, we have been unable to speak with Ms [redacted] to determine what the cause of her issue may have been However, Republic’s records show that Ms [redacted] presented and cashed her check on February 15, We hope that Ms [redacted] ’s issue has been resolved, but will speak with Ms [redacted] to determine the cause, if she so chooses If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company West Market Street Louisville, Kentucky
April 8, 2016THE Revdex.com, INCS4th StreetLouisville, KY 40203-*** [redacted] To Whom It May Concern:Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Ms [redacted] - [redacted] filed her taxes through an online tax software company (“ [redacted] ”) When filing her taxes online, Ms [redacted] - [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to her account at another bank via Automated Clearing House This bank product is called a Refund Transfer Ms [redacted] - [redacted] is complaining that she did not receive her Refund Transfer When she applied for the Refund Transfer, Ms [redacted] - [redacted] provided an account number for the receipt of her Refund Transfer Republic contacted Ms [redacted] - [redacted] and verified that we sent her funds to the account number she provided Ms [redacted] - [redacted] confirmed that Republic acted correctly Unfortunately, Ms [redacted] - [redacted] did not receive her Refund Transfer As such, Republic is now helping Ms [redacted] - [redacted] retrieve her funds from [redacted] Bank Ms [redacted] - [redacted] is satisfied with Republic’s answer and assistance in this matter If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone [redacted] or email [redacted] Ultimately, this complaint would have been properly addressed to [redacted] Bank However, Republic is happy to respond to Ms [redacted] in order to expedite her answer Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, Kentucky
March 3, 2016THE Revdex.com, INCS4th StreetLouisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern:Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Mr [redacted] filed his taxes through an online tax software company (“ [redacted] ”) When filing his taxes online, Mr [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House This bank product is called a Refund Transfer Unfortunately, when Republic attempted to ACH his Refund Transfer, Mr [redacted] ’s bank rejected the funds After speaking with Mr [redacted] , Republic agreed to send Mr [redacted] a check via UPS ground Mr [redacted] was satisfied with this result and subsequently cashed the check on February 29, If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone (502- [redacted] ) or email ( [redacted] ).Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, Kentucky
March 1, THE Revdex.com, INCS4th Street Louisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond Ms [redacted] had her taxes prepared by a tax office that offers the Easy Advance and Refund Transfer, both Republic Bank & Trust Company products Unfortunately, Ms***’s application for an Easy Advance was denied Although we list several qualifications for obtaining the Easy Advance on the Easy Advance application, Ms***’s federal tax return must still be underwritten to determine if Republic Bank can approve her application for the Easy Advance As set forth in the Easy Advance application signed by Ms***, “Republic will make an Easy Advance to me if this Application is approved by Republic in its sole and absolute discretion;” Ms [redacted] was denied (as set forth above) and sent an Adverse Action letter with the following denial reason: Amount of Tax Return CreditsMs [redacted] was denied because her tax return did not have enough tax return credits Thus, the qualifications set forth on the Easy Advance application were not the reason why Ms***’s Easy Advance application was denied With regard to Ms***’s fees, we do not charge a fee for the Easy Advance However, we do charge a fee for the Refund Transfer As an accommodation only, we are willing to refund our fee ($29.95), but have been unable to speak to Ms*** The rest of her disputed fee(s) was a tax preparation fee charged by her tax preparer for preparing her taxes Unfortunately, that is not Republic Bank’s fee to reimburse Our offer to refund Ms***’s Refund Transfer fee still stands if she so chooses by calling the number below If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company West Market Street Louisville, Kentucky
Ms [redacted] opened her account 3/5/and from the time it opened she was eligible for an overdraft limit and we have no record of her requesting to NOT have one If she can provide us with a copy of any document that reflects she declined overdraft priviledges, we will honor it and adjust our records accorrdingly.She also signed to have her debit card authorized for transactions against the available overdraft limit With this said, we paid some items on the account and others were returned if the balance plus the overdraft limit was not sufficient to cover the checks or automatic withdrawals attempting to clear the account Since the $charge off balance was not collected at the time of charge-off, 11/21/2014, the account was sent outside the bank to a third party collector for collection There was no improper action by the Bank
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12701500, and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
March 6, [redacted] *** [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond [redacted] filed his taxes through an online tax software company [redacted] When filing his taxes online, [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House This bank product is called a Refund Transfer As stated in M [redacted] Bank Product Application and Agreement, Republic does not guarantee the timing or the amount of [redacted] federal or state tax refund [redacted] claims that the [redacted] released funds on February 15th Unfortunately, the [redacted] did not release [redacted] refund until February 21st [redacted] refund was processed that same day and a check was mailed to him [redacted] cashed the check on March 1, Although [redacted] did receive a Republic product, the complaint should have been addressed to the *** If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone [redacted] Sincerely, [redacted] ***
Our account records reflect a telephone number and an email address that are no longer valid The Revdex.com Complaint reflects a different telephone number that is also not valid We have sent an email to the customer at the email address reflected on the Revdex.com Complaint, but have received no replyIn order to resolve this matter, we need to speak with the customer but we have not been able to make contactIf you can reach her, please have her call: [redacted] Customer Service Manager Corporate Center [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This is the same response I received over the phone from the new loan officer As I mentioned in my complaint, in when I opened the HELOC, [redacted] , the loan officer at the time explained the content of the paper work to my wife and I, however, he either did not know the detail or was just trying to make the sale I specifically asked him about extra fees and he assured me I was good to go once I opened my account and set up direct deposit the only other fee was the annual fee and if I closed the account out right with no sale of the property I have reviewed the "fine print" in the documents and now see that the old loan officer just LIED TO MY FACE My complaint is being lied too by the loan officer not the paper work That is FRAUD!!!!! Regards, [redacted] ***
Republic has reviewed the matter. Per the account contract with Republic, the fees imposed by Republic were contractually warranted and the fees were disclosed at the time the account was opened. Mr*** says he is not responsible for a mistake by ***. He is however
responsible for the activity affecting his accountRepublic is not responsible for the mistake by ***. Nonetheless, as an accommodation only, Republic has agreed to refund the fees associated with the *** transaction. the credit by *** was received on May 25, the fees have been refunded to the account. Republic's refund was $and $in daily fees. The client is back to the balance he had prior to the *** transaction posting. We have advised the client and Mr*** is satisfied with Republic's response to his issue
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The bank fees are not applicable if the amount was refundedThe bank did not pay for an overdraft since the money was refundedAnd I still haven't received supportive documentation for their actionIf there is no supportive documentation for their action, the only grounds for their process is theftWhere is the supportive documentation detailing overdraft fees? One employee already declared that such documentation doesn't exist
Republic was able to contact Ms [redacted] [redacted] refunded the charge and as an accommodation, Republic waived the related overdraft fees
September 28, Revdex.com, IncS4th Street Louisville, KY 40203- RE: [redacted] ; Complaint ID [redacted] Dear Conciliation Department: Republic Bank & Trust Company is in receipt of the referenced complaint, and we appreciate the opportunity to respond According to our records, we entered into a repayment plan agreement with Ms [redacted] However, when the first payment was processed according to that plan on 9/9/2016, we inadvertently processed the normally scheduled payment as well When Ms [redacted] brought this to our attention, we asked that she provide a bank statement to show that both payments had cleared her account We issued a refund on 9/20/ On 9/23/2016, we received additional documentation from Ms [redacted] , indicating that insufficient funds fees had been charged to her checking account as a result of our withdrawal We will issue a refund of those charges, in the total amount of $144, on 9/29/ We apologize for the payment error and any inconvenience Ms [redacted] has experienced as a result Thank you for the opportunity to address this matter Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, KY
February 22, [redacted] *** [redacted] ** [redacted] RE: Complaint ID [redacted] To Whom It May Concern: We are in receipt of the Complaint filed by Ms [redacted] with the Revdex.com on February 11, We have reviewed our file and appreciate the opportunity to respond to Ms [redacted] ’s concerns At this time, our Director of Client Operations, [redacted] , has contacted Ms [redacted] to address her concerns directly Please see below the steps taken by our Associate to address Ms [redacted] ’s Complaint Ms [redacted] filed her taxes online at [redacted] On January 25, 2018, when the IRS acknowledged Ms [redacted] ’s tax return, her information, including her bank account information, was transmitted to Republic Bank for processing Upon receipt of the information, Republic Bank sent a $test deposit to ensure to the Wells Fargo account Ms [redacted] provided was an open and active account On January 31, 2018, Wells Fargo responded to the test deposit advising us the account could not be located The NACHA return code provided by Wells Fargo was R03, which indicates: “No account/unable to locate.” As a result, Republic changed the disbursement method from direct deposit to a check, and Republic sent to Ms [redacted] that same day an email explaining the changeA copy of the email sent to Ms [redacted] on January is enclosed Prior to receipt of this Complaint, Ms [redacted] had not contacted Republic Bank to discuss this matter Upon receipt of the complaint, Mr [redacted] reached out to discuss Ms [redacted] ’s concernsMr [redacted] confirmed during the conversation that the account number Ms [redacted] had provided to Republic Bank via TaxACT was missing a digit Mr [redacted] explained to Ms [redacted] this was, more than likely, the reason Wells Fargo returned the $test deposit During the conversation, Mr [redacted] changed the account number to the correct account number Following this correction to Ms [redacted] ’s account information, and upon Republic’s receipt of Ms [redacted] ’s refund from the IRS, the refund will be deposited to the Wells Fargo account she has designated Thank you again for the opportunity to address Ms [redacted] ’s concerns, and as always, we value our partnership with the Revdex.com Louisville Please do not hesitate to contact us if we can be of further assistance in this matter Sincerely, [redacted] Associate Counsel Republic Bank & Trust Company [redacted] Louisville, Kentucky Enc(1)
March 10, THE Revdex.com, INCS4th Street Louisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Ms [redacted] filed her taxes through an online tax software company (“ [redacted] ”) When filing her taxes online, Ms [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to her account at another bank via Automated Clearing House This bank product is called a Refund Transfer Republic received $2,from the IRS in the name of Ms [redacted] We deducted the authorized fees (Refund Transfer fee of $and a tax preparation fee of $44.97) and released the remainder of Ms [redacted] ’ tax refund ($2,307.04) to the account Ms [redacted] instructed Ms [redacted] ’ acknowledged amount on her tax return was $3,674.00, exactly $1,less than what was sent by the IRS As stated in the Bank Product Application and Agreement that Ms [redacted] agreed to, we cannot guarantee when or in what amount the IRS will disburse Ms [redacted] ’ tax refund Unfortunately, Ms [redacted] must contact the IRS to determine why her tax refund was less than her tax return stated We have attempted to contact Ms [redacted] to explain the situation, but have not been successful If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
March 8, Revdex.com, Inc*** [redacted] ** [redacted] RE: Complaint ID: [redacted] To Whom It May Concern: We are in receipt of the customer complaint submitted by Ms [redacted] on February 24, 2018, and appreciate the opportunity to respond It is our understanding of Ms***’ complaint that she is dissatisfied with the refund advance product issued by Republic Bank & Trust Company, in part due to an alert on her Experian credit report We have reviewed our records and can provide the following response: On February 1, Ms***, via her tax preparer, applied for an Easy Advance refund advance product, issued by Republic Bank & Trust Company At the time of application, Ms [redacted] had an extended alert on her Experian credit report requiring Republic to verify her identity before extending credit Unfortunately, the alert did not include contact information so we were unable to contact Ms [redacted] in response to this alert On February 5th, four days after the receipt of Ms***’ application, the application expired and her account was frozen due to Republic’s inability to verify her identity, for security reasons On February 16th, Ms***’ refund was received from the IRS, but could not be processed due to the security freeze on her account Ms [redacted] called Republic Bank on February 21st During this call, our Associates were able to verify her identity using our identity verification procedures Ms***’ account was unfrozen that evening and on February 26th, a check was printed by Ms***’ tax preparer Our records indicate at this time that Ms [redacted] was able to obtain and cash her refund check, as the check was verified on February 28th and cleared on March 1st We sincerely apologize for any inconvenience Ms [redacted] may have experienced, and wish to assure Ms [redacted] that any delay in the processing of her refund was the result of steps taken by Republic Bank to ensure the security of her information and funds We hope this response will help to alleviate Ms***’ concerns regarding the processing of her Easy Advance refund Republic Bank values its relationship with the Revdex.com Louisville, and we very much appreciate the opportunity to respond to this customer’s concerns We look forward to our ongoing relationship with Revdex.com, and please do not hesitate to contact us if we can be of further assistance in this matter Sincerely, [redacted] Associate Counsel Republic Bank & Trust Company [redacted]
December 26, THE Revdex.com, INCS4th Street Louisville, KY 40203- RE: Complaint – [redacted] ** [redacted] To Whom It May Concern: Republic Bank & Trust Company, the issuer of the [redacted] ***, is in receipt of your communication dated December 8, 2017, regarding Ms [redacted] Please note that this letter is not an attempt to collect a debt, but a response to your communication We have reviewed Ms [redacted] ’s account statementsMs [redacted] ’s most recent statement, dated December 11, 2017, indicates that she is caught up on her payments and Ms [redacted] ’s account is currentAs such, Ms [redacted] will not be subject to any adverse reporting to the [redacted] bureaus Should Revdex.com or Ms [redacted] have any additional questions or concerns, please feel free to call our customer service number at 1-800-634- Sincerely, Republic Bank & Trust Company West Market Street Louisville, Kentucky
The fee was part of the $fee charged the Bank for the legal filing of proof of claims on two loans related to the bankruptcy filing by Mr*** He is responsible for repaying the Bank for this legal expense We have allocated this fee and it was split between ML and LN for $each Payoff amount is correct, but the full fee for the Proof of Claim filings is $If Mr[redacted] would like us to put the full fee on the ML loan, we will be glad to handle it that way and refund the $legal fee charged on the CL loan
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] I had spoken with the bank manger and they informed me that when [redacted] refunded my money to my account they would dismiss the over draft fees, which have grown to $90,since the 06/15/2015, *** returned the $to my account 06/25/and my over draft fees continue to mount.my account debt has grown to over $200,WO, and [redacted] said she tried to contect me,I called the republic bank and they responed to my over draft,why do we need to speak when [redacted] refuned the money and the over draft fees should be taken off my account as stated previously,over the phone and in the online emailthank you Revdex.com
[redacted] *** [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond Ms [redacted] was attempting to cash a check drawn on Republic Bank & Trust Company (“Republic”) Unfortunately, she was not able to do so on February 10, We have attempted to contact Ms [redacted] numerous times Unfortunately, the contact number Ms [redacted] provided does not allow us to leave a message Thus, we have been unable to speak with Ms [redacted] to determine what the cause of her issue may have been However, Republic’s records show that Ms [redacted] presented and cashed her check on February 15, We hope that Ms [redacted] ’s issue has been resolved, but will speak with Ms [redacted] to determine the cause, if she so chooses If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company West Market Street Louisville, Kentucky
April 8, 2016THE Revdex.com, INCS4th StreetLouisville, KY 40203-*** [redacted] To Whom It May Concern:Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Ms [redacted] - [redacted] filed her taxes through an online tax software company (“ [redacted] ”) When filing her taxes online, Ms [redacted] - [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to her account at another bank via Automated Clearing House This bank product is called a Refund Transfer Ms [redacted] - [redacted] is complaining that she did not receive her Refund Transfer When she applied for the Refund Transfer, Ms [redacted] - [redacted] provided an account number for the receipt of her Refund Transfer Republic contacted Ms [redacted] - [redacted] and verified that we sent her funds to the account number she provided Ms [redacted] - [redacted] confirmed that Republic acted correctly Unfortunately, Ms [redacted] - [redacted] did not receive her Refund Transfer As such, Republic is now helping Ms [redacted] - [redacted] retrieve her funds from [redacted] Bank Ms [redacted] - [redacted] is satisfied with Republic’s answer and assistance in this matter If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone [redacted] or email [redacted] Ultimately, this complaint would have been properly addressed to [redacted] Bank However, Republic is happy to respond to Ms [redacted] in order to expedite her answer Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, Kentucky
March 3, 2016THE Revdex.com, INCS4th StreetLouisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern:Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond Mr [redacted] filed his taxes through an online tax software company (“ [redacted] ”) When filing his taxes online, Mr [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House This bank product is called a Refund Transfer Unfortunately, when Republic attempted to ACH his Refund Transfer, Mr [redacted] ’s bank rejected the funds After speaking with Mr [redacted] , Republic agreed to send Mr [redacted] a check via UPS ground Mr [redacted] was satisfied with this result and subsequently cashed the check on February 29, If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone (502- [redacted] ) or email ( [redacted] ).Sincerely, [redacted] Vice President, Associate CounselRepublic Bank & Trust CompanyWest Market StreetLouisville, Kentucky
March 1, THE Revdex.com, INCS4th Street Louisville, KY 40203-Re: Complaint – [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond Ms [redacted] had her taxes prepared by a tax office that offers the Easy Advance and Refund Transfer, both Republic Bank & Trust Company products Unfortunately, Ms***’s application for an Easy Advance was denied Although we list several qualifications for obtaining the Easy Advance on the Easy Advance application, Ms***’s federal tax return must still be underwritten to determine if Republic Bank can approve her application for the Easy Advance As set forth in the Easy Advance application signed by Ms***, “Republic will make an Easy Advance to me if this Application is approved by Republic in its sole and absolute discretion;” Ms [redacted] was denied (as set forth above) and sent an Adverse Action letter with the following denial reason: Amount of Tax Return CreditsMs [redacted] was denied because her tax return did not have enough tax return credits Thus, the qualifications set forth on the Easy Advance application were not the reason why Ms***’s Easy Advance application was denied With regard to Ms***’s fees, we do not charge a fee for the Easy Advance However, we do charge a fee for the Refund Transfer As an accommodation only, we are willing to refund our fee ($29.95), but have been unable to speak to Ms*** The rest of her disputed fee(s) was a tax preparation fee charged by her tax preparer for preparing her taxes Unfortunately, that is not Republic Bank’s fee to reimburse Our offer to refund Ms***’s Refund Transfer fee still stands if she so chooses by calling the number below If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ( [redacted] ) or email ( [redacted] )Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company West Market Street Louisville, Kentucky
Ms [redacted] opened her account 3/5/and from the time it opened she was eligible for an overdraft limit and we have no record of her requesting to NOT have one If she can provide us with a copy of any document that reflects she declined overdraft priviledges, we will honor it and adjust our records accorrdingly.She also signed to have her debit card authorized for transactions against the available overdraft limit With this said, we paid some items on the account and others were returned if the balance plus the overdraft limit was not sufficient to cover the checks or automatic withdrawals attempting to clear the account Since the $charge off balance was not collected at the time of charge-off, 11/21/2014, the account was sent outside the bank to a third party collector for collection There was no improper action by the Bank
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID 12701500, and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
March 6, [redacted] *** [redacted] To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank & Trust Company (“Republic”) to respond [redacted] filed his taxes through an online tax software company [redacted] When filing his taxes online, [redacted] applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House This bank product is called a Refund Transfer As stated in M [redacted] Bank Product Application and Agreement, Republic does not guarantee the timing or the amount of [redacted] federal or state tax refund [redacted] claims that the [redacted] released funds on February 15th Unfortunately, the [redacted] did not release [redacted] refund until February 21st [redacted] refund was processed that same day and a check was mailed to him [redacted] cashed the check on March 1, Although [redacted] did receive a Republic product, the complaint should have been addressed to the *** If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone [redacted] Sincerely, [redacted] ***
Our account records reflect a telephone number and an email address that are no longer valid The Revdex.com Complaint reflects a different telephone number that is also not valid We have sent an email to the customer at the email address reflected on the Revdex.com Complaint, but have received no replyIn order to resolve this matter, we need to speak with the customer but we have not been able to make contactIf you can reach her, please have her call: [redacted] Customer Service Manager Corporate Center [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This is the same response I received over the phone from the new loan officer As I mentioned in my complaint, in when I opened the HELOC, [redacted] , the loan officer at the time explained the content of the paper work to my wife and I, however, he either did not know the detail or was just trying to make the sale I specifically asked him about extra fees and he assured me I was good to go once I opened my account and set up direct deposit the only other fee was the annual fee and if I closed the account out right with no sale of the property I have reviewed the "fine print" in the documents and now see that the old loan officer just LIED TO MY FACE My complaint is being lied too by the loan officer not the paper work That is FRAUD!!!!! Regards, [redacted] ***
Republic has reviewed the matter. Per the account contract with Republic, the fees imposed by Republic were contractually warranted and the fees were disclosed at the time the account was opened. Mr*** says he is not responsible for a mistake by ***. He is however
responsible for the activity affecting his accountRepublic is not responsible for the mistake by ***. Nonetheless, as an accommodation only, Republic has agreed to refund the fees associated with the *** transaction. the credit by *** was received on May 25, the fees have been refunded to the account. Republic's refund was $and $in daily fees. The client is back to the balance he had prior to the *** transaction posting. We have advised the client and Mr*** is satisfied with Republic's response to his issue