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Sais & Asociados

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Sais & Asociados Reviews (73)

Mr. [redacted] had summited several mobile deposits which made him exceed his rolling 30 day limit so the deposit in question was rejected. He was instructed to re-submit the deposit and we would make an exception. We also worked with his banking center and increased his limits to our tier 2 which allows...

up to $10,000 per rolling 30 days. As a courtesy, we also waved the remainder of his fees assessed due to his initial deposit being rejected. The Internet Banking Supervisor contacted Mr. [redacted] to reiterate the success screen is not a final acceptance and he needs to watch his history screen if he does not see the balance reflect his deposit.    When a user is approved for mobile deposit services they receive a welcome email detailing their per deposit, daily, and monthly limits. If they are placed into a new tier with higher limits the user is informed at that time of their new limits.  In addition to the History screen information clients receive an email in real-time when a deposit is declined/rejected with the reason why.  Mr. [redacted] has advised Republic he is satisfied with the resolution of his complaint.

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 2014 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]

Our account records reflect a telephone number and an email address that are no longer valid.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...

reply. In order to resolve this matter, we need to speak with the customer but we have not been able to make contact. If you can reach her, please have her call:
 
[redacted]
Customer Service Manager
Corporate Center
[redacted]

March 8, 2018   Revdex.com, Inc. [redacted]               RE:      Complaint ID: [redacted]   To...

Whom It May Concern:   We are in receipt of the complaint submitted by Mr. [redacted] on February 24, 2018, and appreciate the opportunity to respond.  It is our understanding of Mr. [redacted]’s concerns that Mr. [redacted]’s return was being retained by Republic Bank & Trust Company, and that Mr. [redacted] was unable to reach anyone at Republic to address his concerns.  We have reviewed our files and can provide the following response:   Mr. [redacted] filed his taxes online at www.taxact.com. On February 12, 2018, when the IRS acknowledged Mr. [redacted]’s tax return, his information, including his bank account information, was transmitted to Republic Bank from TaxACT for processing. Upon receipt of Mr. [redacted]’s refund from the IRS on February 22nd, Republic Bank sent the refund, minus fees, to his account at Bank of America, per Mr. [redacted]’s initial request.  The deposit was returned to Republic Bank on February 26th with a NACHA account code indicating the account was frozen.  As such, pursuant to Republic Bank procedures, the refund was issued as a check.  [redacted], Director of Client Operations for Republic Bank, personally printed the check and sent it to the address on file for Mr. [redacted] via UPS Next Day Air the same day.    Mr. [redacted] was unable to reach Mr. [redacted] by phone to advise him that a check had been sent, however, Mr. [redacted] was able to connect with Mr. [redacted] via email.  In that electronic correspondence, Mr. [redacted] acknowledged to Mr. [redacted] on February 27, 2018 that he had received the check for his funds.  The email correspondence is attached hereto for your reference.   While we certainly understand Mr. [redacted]’s frustrations, we are unaware of any attempts by Mr. [redacted] to contact Republic Bank to discuss this matter, prior to the filing of his complaint.  We sincerely hope that our response, and the mailing of Mr. [redacted]’s funds, has satisfied his concerns, however, he is always welcome to contact us directly if he has additional questions about his refund.   We value our relationship with Revdex.com of Louisville, and appreciate the opportunity to address this customer’s concerns.  If we can be of further assistance in this matter, please do not hesitate to contact us.   Sincerely, [redacted] Associate Counsel Republic Bank & Trust Company [redacted]
  Enc. (1)

March 8, 2018   Revdex.com, Inc. [redacted]  [redacted]
[redacted]
[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. [redacted]’ 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, 2018 Ms. [redacted], 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. [redacted]’ 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. [redacted]’ 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. [redacted]’ account was unfrozen that evening and on February 26th, a check was printed by Ms. [redacted]’ 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. [redacted]’ 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]
[redacted]
[redacted]

April 21, 2016 THE Revdex.com, INC. 844 S. 4th Street Louisville, KY 40203-2186 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 Ms. [redacted]’s tax refund and attempted to disburse her Refund Transfer to the account Ms. [redacted] provided to us.  Unfortunately, the bank where the account was located rejected the transfer.  Per our policy, we then mailed a check to the address Ms. [redacted] listed on her tax return.  Unfortunately, Ms. [redacted] does not reside at the address listed on her tax return.  After receiving this complaint, Republic reached out to Ms. [redacted] and verified her new address.  Ms. [redacted] received her check on April 21, 2016.  Ms. [redacted] was satisfied with this action.  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 the bank holding Ms. [redacted]’s account.  However, Republic was happy to respond to Ms. [redacted] in order to accommodate her.  Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company 601 West Market Street Louisville, Kentucky 40202

December 26, 2017   THE Revdex.com, INC. 844 S. 4th Street Louisville, KY 40203-2186   RE:  Complaint – [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 statements. Ms. [redacted]’s most recent statement, dated December 11, 2017, indicates that she is caught up on her payments and Ms. [redacted]’s account is current. As 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 1-800-634-9558.   Sincerely,   Republic Bank & Trust Company 601 West Market Street Louisville, Kentucky 40202

Republic provided [redacted] a copy of his Note and Loan Closing Statement that he signed and agreed to on 7/30/2013.  The note prepayment provisions were clearly disclosed and agreed to.As part of the loan, Republic paid on his behalf [redacted]  In order for the Bank to provide...

such upfront costs, the prepayment penalty is designed to allow the Bank to recover sums and its reasonable profit if the loan prepays early.Republic denies that any employee suggested to [redacted] that the prepayment penalty would not be enforced.  If that were the case, it would not have remained a provision of the Note.[redacted] gladly accepted the Bank paying half of his up-front closing costs, and an attractive [redacted] fixed rate for 15 years, but now wants to breach his agreement. Republic asserts that the prepayment fee was properly agreed to and assessed.

A bank issued check is treated as a Cashier's or Certified check under Kentucky law.  Kentucky law provides that the Bank can't issue a Stop Payment Order until 90 days has lapsed and the recipient must attest in writing to Republic that the check was not received.  All banks operate under...

this provision of Kentucky law.  However, to accomodate this customer, Republic is re-issuing a check today that the customer should receive within the next day or two. The custmer must not attempt to cash both checks should the lost check come into their possession. If that happens, Republic requests that the customer return the "lost" check to Republic.

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.
Attached is a lending license for another lending company who extends lines of credit over the Internet that isn't located in Wyoming  yet they have a wyoming license.  This is readily available on their website and easily verifiable.
Regards,
[redacted]

[redacted] THE Revdex.com, INC. 844 S. 4th Street Louisville, KY 40203-2186 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 Ms. [redacted]’s tax refund and attempted to disburse her Refund Transfer to the account Ms. [redacted] provided to us. Unfortunately, the bank where the account was located rejected the transfer.  Per our policy, we then mailed a check to the address Ms. [redacted] listed on her tax return.  Unfortunately, Ms. [redacted] no longer resides at the address listed on her tax return. After receiving this complaint, Republic reached out to Ms. [redacted] and verified her new address.  We sent Ms. [redacted] a check on Friday, March 11, 2016.  Ms. [redacted] was satisfied with this action.  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 601 West Market Street Louisville, Kentucky 40202

March 1, 2016 THE Revdex.com, INC. 844 S. 4th Street Louisville, KY 40203-2186 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. [redacted]’s application for an Easy Advance was denied.  Although we list several qualifications for obtaining the Easy Advance on the Easy Advance application, Ms. [redacted]’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. [redacted], “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 Credits. Ms. [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. [redacted]’s Easy Advance application was denied.  With regard to Ms. [redacted]’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. [redacted].  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. [redacted]’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 601 West Market Street Louisville, Kentucky 40202

Republic Bank’s Internet Department pulls [redacted] reports as part of the account opening process.  This is disclosed as part of the application process and the client must agree to these terms before they are allowed to proceed.  The client authorized Republic Bank to complete identity...

and credit verification checks and review information in his credit file.  After receiving the application, a [redacted] Report was pulled which indicated a discrepancy related to the Social Security Number provided and a second request was processed and returned a clean report.  Neither report, however, was pulled by mistake.  Republic does not believe the inquiries by Republic alone would cause any material change to the client’s FICO score, but as an accommodation, we are asking [redacted] to delete both inquiries. This typically takes about 60 days to complete.

Republic was able to contact Ms[redacted].  [redacted] refunded the charge and as an accommodation, Republic waived the related overdraft fees.

March 8, 2018   [redacted]
[redacted]  [redacted]
[redacted]
[redacted]  [redacted]               RE:      Complaint ID: [redacted]  ...

To Whom It May Concern:   We are in receipt of the complaint submitted by Mr. [redacted] on February 26, 2018, and appreciate the opportunity to address Mr. [redacted]’s concerns.  It is our understanding of Mr. [redacted]’s complaint that he believed Republic Bank & Trust Company was holding his refund in an account impermissibly.  We have reviewed our records and can provide the following response:   On February 9, 2018, when the IRS acknowledged and accepted Mr. and Mrs. [redacted]’s tax return, their information was transmitted to Republic Bank from TaxACT for processing.   The only communication Republic Bank received from the customers was on February 26th at approximately 10:25AM, when Mrs. [redacted] called in to inquire about their refund.  When advised that Republic Bank had not received their refund, she became very upset and mentioned the IRS releasing the money “last week.”  She was advised to contact the IRS/Treasury for more information.   Upon receipt of this complaint, our Director of Client Operations, [redacted], contacted Mr. [redacted].  Mr. [redacted] indicated he did not have time to talk, but advised Mr. Carter that the [redacted]s’ issue had been resolved. At no time did Republic Bank receive the tax refund funds for Mr. and Mrs. [redacted].    We hope that this response resolves Mr. and Mrs. [redacted]’s concerns, and we very much appreciate the opportunity to respond.  Republic Bank values its relationship with the Revdex.com Louisville, and we look forward to working with you in the future.  If we can be of further assistance on this matter, please do not hesitate to contact us.   Sincerely,   [redacted] Associate Counsel Republic Bank & Trust Company [redacted]
[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.The bank's response doesn't make sense.  I do not recall any overdrafts ever clearing on this account, as I used it for bill payments, but nothing more.  The bank did allow me to pay the bills that I had positive on-hand funds for, but not overdraft.  The payments to my old insurance company, [redacted], were automated payments.  Republic Bank rejected single-month payments to them repeatedly for a few months.  Yet, at time of the move, they authorized one for MORE funds, which doesn't line up with their story about rejecting certain payments depending on the amount available against the overdraft limits.  The final amount they did overdraft was more than the other payments that they rejected *combined* as it entailed those months plus the later month, which [redacted] did return to me when I showed that I had attained insurance from another provider by that time, and it was supposed to have been cancelled.  Again, this error was not due to my negligence.  Upon finding out about it, I've taken reasonable steps to rectify the error (Contacting [redacted] and Republic to fix things upon finding out about it), and am willing to pay Republic what they had paid [redacted].  [redacted] refunded the money to me, because they couldn't oay through the collection agent, as Republic wouldn't allow them to clear the account, and upon my speaking with the collection agency, they would merely threaten me with further charges and said it would continue to increase: "unless you pay in full immediately, as it will continue to incur additional charges of $0.15 per day that it isn't paid."  It feels now that they're trying to use bullying tactics to squeeze for more money despite being offered the amount that they allowed to be pulled from them without authorization.  [redacted] was wonderful with customer service and went above and beyond to help set the record straight, so a kudos to them at the same time.   My usual car insurance payment was just a bit over $120 (Which would've been July alone) - so why did the bank wait three months blocking them when there was clearly overdraft limits available?  Something seems very odd here...From speaking with [redacted], I learned:  The July payment was rejected by Republic Bank.  Then, the July + August payment was rejected by Republic Bank.  ($257.43)  Then, the July + August + September payment processed at Republic Bank, and from my speaking to the bank, they said it was due to overdraft protection that covered it. ($410.57)  If that was the case, it would've covered the smaller ones before, but I recall having overdraft blocked, in case the person I then lived with before my move used it.  Situations prior occurred where the person intentionally would try to overdraft my card in hopes of getting the bank to pay out.  I specifically did not have overdraft on this account just IN CASE that person got hold of my card, as I did not want to have that happen or build up fees at the bank.  It appears that for the first months, that overdraft block was in effect.  However, it seems to have stopped when they paid the September [redacted] one, and I simply want to have this resolved, so that the bank has their original money back - that shouldn't have been paid out - and I have my name cleared and account closed.  However, since Republic seems unwilling to accept their money back and dismiss the fees, I am at a loss for a proper resolution.  
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint [redacted] and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution. Please respond here ONLY]
Regards,
[redacted] I am seeking a response from the Federal Reserve on whether the bank can charge ** of the original loan amount plus [redacted] is fees as a penalty.Republic gave me the same response.  Buyer beware this bank practices loan sharking type tactics in their mortgages,  if you try to pay off your mortgage in under 10 years on a 15 year mortgage they want ** of the "original loan amount" plus [redacted] in fees.   Its unheard of from a number of experts I have consulted.  Thank you for your assistance.

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 refunded. The bank did not pay for an overdraft since the money was refunded. And I still haven't received supportive documentation for their action. If there is no supportive documentation for their action, the only grounds for their process is theft. Where is the supportive documentation detailing overdraft fees? One employee already declared that such documentation doesn't exist.

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]

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 $90,00 since the 06/15/2015, [redacted] returned  the $282 to my account  06/25/2015 and my over draft fees continue to mount.my account debt  has grown to over $200,00 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 email. thank you Revdex.com

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