Santa Barbara Tax Products Group

My boyfriend filed his taxes like he does every year with the same tax lady, but this year she offered this direct2cash from Walmart (which is Santa Barbara Tax Products Group) we didn't have a bank account so we opted for this choice. She informed us we would be getting a text or email when she money arrived at Walmart ready to be picked up. We never got a text or an email, I had to check the website myself (which I also had many problems trying to do so) and I saw that the money was there on the 17th of Feb....it wasn't until Feb 20th that I had to manually check myself to find out if it had come. We went to three different Walmarts and went back and forth with SBTPG and my tax lady. When my tax lady called SBTPG she was told one thing, and when we called we were told another. Nobody gives us an explanation as to why we cannot get OUR money. Finally, they told us they would have to send the money to my tax lady and she would have to print out a check--this will take 3-5 business days to receive.....ARE YOU KIDDING ME?! This is absolutely ridiculous, and I will NEVER in my life recommend this business to a friend or even my worst enemy, please fix your PROBLEM.
Signed, disappointed and angry victim.

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.
 Your response states that I did not make any attempt to contact you regarding my refund. I was unaware that my money had been returned to you. I was told on February 19, 2015 that the money was returned to the [redacted]. I have spent the last 3 months trying to track my money down and finally got an answer from [redacted] that you, TPG had my money.  I do not give you permission to take additional fees from my money and demand that the $45 be returned to me.  There is no returned check in this mess. Everything is digital. Everything was set for direct deposit.  You as a business, a bank for that matter, should have notified me when my finds were in your possession again. I had no possible way of knowing. The only thing I agreed on was to pay the [redacted] fees out of my return. You have no sense of customer satisfaction.
Regards,
[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]

[redacted]

size="3">
[redacted] Ave **
[redacted]
NY [redacted]
 
Re:
Case [redacted]
 
April
27, 2015
 
Dear
[redacted],
 
This
is in response to the complaint filed against Santa Barbara Tax Products Group “TPG”
to the Revdex.com of San Diego on April 21, 2015 regarding service issues.
Controls
are in place to protect our customers from identity theft and fraud. In the
scenario described in your complaint you had faxed over documents in order to
verify your identity. TPG received those documents the same day you requested
that the money be returned to IRS. This process can take up to 15 business days.
In between that time you made more attempts to change your information delaying
the process of returning the money back to IRS.
TPG
returned your funds to the IRS on March 18, 2015. Please be advised that the
IRS can take several weeks before they acknowledge receipt and post to your
account. It is recommended that you contact the IRS at 800-829-1040 for further
details.
Please feel free to contact me at
877-908-7228, Monday through Friday 7 am to 3 pm, if you have any further
questions or concerns regarding this complaint.
 
Respectfully,
 
[redacted]
Compliance Analyst

[redacted]
face="Times New Roman" size="3">
Case ID# [redacted]
 
[redacted]
[redacted]
 
 
 
02.09.2015
 
This is in response to
the complaint filed against Santa Barbara Tax Products Group (TPG) to the Revdex.com
of San Diego on 2/5/2015 regarding service issues.  Thank you again for
your inquiry and patience. 
 
Upon review of your
record, no funding has been received from the IRS.  According to the IRS
website, “your refund was sent to your bank on January 30, 2015 for direct
deposit” with the enhancement of multiple processing systems at the IRS, it may
result in processing delays for certain returns.  There may be conflicting
information on when refunds will be disbursed based on all the IRS channels
(website, automated number and taxpayer hotline), but I assure you we process
any refunds from the IRS within 24 hours of receipt.  In the meantime, our
customer service representatives are referring taxpayers that are affected to
check the IRS website and hotline more frequently for a better gauge on when to
expect their refund rather than contacting us since the IRS will be the best
source to determine the delivery date of your refund once they update their
channels.  
 
I apologize for the
inconvenience this has caused you and the manner in which your inquiry was
handled by our Customer Service agents.  Customer courtesy is an extreme
priority for us and in this case we apparently failed you.  All the
customer agents involved have been reminded of their obligation to always process
customer inquiries in a respectful manner.    
 
Upon our conversation we
are working directly with IRS to resolve this issue in locating your funds.
 
If you have any further
concerns or questions regarding this complaint, please feel free to contact me at [redacted]
 
Respectfully,
 
 
[redacted]
[redacted]

[redacted]
[redacted]
[redacted]...

[redacted]
 
RE:       Case [redacted]
 
 
03.11.2015
 
Dear
[redacted],
 
This
is in response to the complaint filed against Santa Barbara Tax Products Group
to the Revdex.com on March 6, 2015 regarding delay in IRS funding.
 
Upon
review of your record, a Refund Transfer (RT) was chosen when your taxes were
prepared through Turbo Tax. On February 18, 2015 the IRS funded your federal
return; fees were deducted to pay your Turbo Tax user fees and an additional
Bank deposit product fee. The balance was deposited to the account instructed on
The Citizens Banking Company Refund Processing Agreement. Your Bank rejected
the funds and declared the account an R04 “invalid account number”. The funds
were returned to TPG on February 19, 2015.
 
According
to your contract, TPG issued a Cashier’s Check on February 19, 2015 and mailed
to the address on record. On March 6, 2015 the check was returned to our office
as undeliverable. Our regulators require that we follow Customer Identification
Program (CIP) and Know Your Customer (KYC) procedures, which are part of the
statute of the USA Patriot Act. Once you were verified as the lawful owner of
the funds, your refund was released on March 11, 2015 and mailed to the address
on record. Please allow 10 business days for receipt of your check.
 
Please
feel free to contact me at [redacted], Monday through Friday 7 am to 4 pm if
you have any further concerns or questions regarding this complaint.
 
Respectfully,
 
 
[redacted]
Compliance
Analyst

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]

Dear Mr. [redacted]
This email is in response to the complaint filed against Santa Barbara Tax Products Group (TPG) to the Revdex.com of San Diego on August 27, 2014 regarding identity theft.
TPG, on behalf of the Bank, provides a product known as the Refund Transfer (RT), through a network of tax...

preparation franchises, independent tax professionals and online tax preparation providers. The RT allows a taxpayer to have their tax preparation or tax software fees deducted directly from the tax refund amount instead of the taxpayer having to front any out of pocket expenses at the time of tax preparation. When your taxes were prepared online, a Refund Transfer (RT) product was chosen. When the taxpayer selects an RT, they direct the IRS to deposit their tax refund into a temporary account at the Bank. When the Bank receives the IRS refund (usually less than 21 days from the filing date), the Bank makes deductions from the refund to pay the online software user fees and account handling fee. The balance of the refund is then disbursed to the taxpayer by way of deposit to an account designated by the taxpayer (either a personal bank account or a prepaid card). TPG is simply a third party processor which serves as an intermediary between the IRS and the taxpayer.
The return was acknowledged and verified by the IRS, TPG has no reason to question the information provided. We have to assume that the application sent to us is sent by the taxpayer and that the sensitive personal and confidential information provided therein is their account information.
It is unfortunate that your information was stolen and misused. It is recommended that you follow the instructions the IRS and local authorities provide you in restoring your identity. I hope that this satisfies and clarifies our role in the tax filing event.
Respectfully,
[redacted]
Senior Compliance Analyst
Santa Barbara Tax Products Group

[redacted]
 
03.16.2015
 
Re: Case [redacted]
 
Dear [redacted],
 
This is in response to the rebuttal to the complaint filed
against Santa Barbara Tax Products Group to the Revdex.com of San
Diego on March 13, 2015 regarding your refund direct deposit.
 
Let me reassure you that this breach did not occur at [redacted] or your online tax provider and unfortunately it is likely that the breach
occurred through one of the large national data breaches that has been
publicized in the past 12 months or through a phishing scheme directed to one
of your personal devices.  It is
recommended you take additional measures to enhance the security of your
confidential personal information in all areas.
 
No
interest is earned on your deposit and your deposit is not being used by any
financial institution during the processing of your refund. If a taxpayer
enters a bank account that will not accept the refund deposit, the transaction
is rejected by the receiving bank.  Often
times this occurs because the taxpayer has entered incorrect bank account
information or the account is closed. The claim that “there was never an
attempt make the deposit of their funds” is completely inaccurate in all cases.
Your Bank rejected the funds and
declared the account an R03 “no account/unable to locate account” and the funds
were returned to TPG on February 4, 2015. 
TPG never intervenes prior to the funds being sent to the
receiving bank and rejected by the receiving bank.  Please feel free to use  trace number [redacted] to discuss the
rejection issue directly with your bank.
 
On February 27, 2015 a Cashier’s Check was mailed to the
address on record. If you have not received the Cashier’s Check we suggest that
you file an Indemnity Bond for the lost or stolen check. As a courtesy I have
enclosed the Indemnity Bond Form 15OL.
 
Please feel free to contact me at ###-###-####, Monday
through Friday 7 am to 3 pm, if you have any further questions or concerns
regarding this complaint.
 
Respectfully,
 
[redacted]
Compliance Analyst

[redacted]
[redacted]

size="3">
[redacted]
[redacted]
 
RE:          Case
[redacted]
 
 
02.24.2015
 
Dear [redacted],
 
This is in response to the complaint filed against
Santa Barbara Tax Products Group to the Revdex.com on February 17,
2015 regarding funds never received.
 
Upon review of your record, a Refund Transfer
(RT) was chosen when your taxes were prepared through [redacted]. On February 2,
2015 the [redacted] funded your federal return; fees were deducted to pay your [redacted] user fees and an additional Bank processing fee. The balance was deposited
to the account instructed on the [redacted], N.A. Refund Processing
Agreement. Your Bank rejected the funds and declared the account an R02
“account closed”. The funds were returned to TPG on February 4, 2015. According
to your contract, TPG issued a Cashier’s Check on February 4, 2015 and mailed
to the address on record. The check was cleared on February 24, 2015.
 
Please feel free to contact me at
[redacted], Monday through Friday 7 am to 4 pm if you have any further
concerns or questions regarding this complaint.
 
Respectfully,
 
 
[redacted]
[redacted]

Sbtpg is holding my refund, due to my prepaid card rejecting the transition. I was told on 2/23 a check was sent out, Which was a big Lie, I have usps informed delivery and this check never showed up. Now they're telling me I have to wait 2-3 weeks just for them to return my check to the irs, and then 10-12 weeks for the irs to process. I don't see why turbo tax still does business with this company, this is obviously fraudulent business they're conducting.

This whole mess started about 2 weeks ago for me. I opted to have my tax refund put on the turbotax prepaid card, which I have done SEVERAL times with no problems. Got the card in the mail, tried to activate it and couldn't. I called the number that was given and was told I needed to submit my ID for "verification", which I did, TWICE. I check the status on the card a couple of days later and there's a message that said, "Your documents could not be verified, this card cannot be used and you cannot open other cards with this bank (Greendot Bank). And so began the phone calls...Tubotax told me to call the IRS, the IRS told me call Greendot, Greendot sent me to this SBTPG. After 2 days and at least 20 phone calls, I STILL didn't know how I was supposed to get my refund. Finally, someone that does not even work for any of these entities told me the direct deposit would be rejected and they would mail me a paper check. I got the check yesterday, 2/27, and went to Walmart to cash it today, 2/28...and guess what?! Walmart could not validate the check. When they scanned it into the system, A COMPLETELY DIFFERENT CHECK IMAGE CAME UP...they let me see it; it did not have my name or address on it, the amount was WAY OFF and there was an issued date from 2016 on it. So, I call SBTPG, and got "marilyn", who was not very nice. She said the check was valid and tried to tell the girl at Walmart that...but they could not cash it because it looked like a completely different check when it was scanned...they tried 3 times and let me see the screen each time. So, I get a "manager" on the phone and she tells me that Walmart has validated the check so if they won't cash it, nobody else can cash it. At this point I am crying. Then she tells me I have to wait on them to mail me some check reissue form or something so they can send me a NEW check. Now I'm hysterical, my children and I are about to be EVICTED...and these people could care less. They didn't even TRY to find a way to help me...oh, and that form COULD NOT be sent to me overnight mail. They treated me like I did something wrong! I am a nervous wreck waiting for my landlord to call me back to see if he will PLEASE wait...who knows how long...for me to get another check. This is a nightmare and I just want my money...none of this is my fault, but they are treating me like it is. I didn't mail myself a BAD CHECK. I will never, ever deal with Turbotax, Greendot, or these SBTPG people again!

As of 3/12 I have not received my check sent on February 27th I need another alternative this is completely ridiculous it has been 2weeks still no check . Please I need someone to contact me at 6782379751 asap about this issue I will pay to have it mailed back overnight ! I have called and spoke to atleast every agent and I still get no answers I need my money I have been more then patient!

I was mailed a check on march the 27th .

On my online account it shows that I was charged 3 fees
1.Legal & Account Fee
2.Bank Process
3.Tax Prep Fee

I have not received my check in he mail every time I call I et a run around I have been more then patient this is ridiculous because the csr are rude and disrespectful even the supervisors offered no genuine help . Please contact me I am just ready to pursue further action because this is completely ridiculous

I have used turbo tax for 4 or 5 years with no problem, until now. For the whole time the only thing that has changed was my address 2 years ago. All of a sudden they have my account number wrong, which I think is crazy. the irs released my money feb 10, 2016, it is now feb 21,2016 and no money. I have been on hold for a total of 7 hours and 23 mins today I did finally get someone on the phone twice and they told me it was the wrong department and give me another number to call. I know this is some kind of gimmick to get a reissuance fee or something along those lines. I'm very angry about the whole situation, and at minimum I will never use turbo tax ever again. most likely will be getting an attorney.

Review: I have been waiting on my refund check through this bank. I have went through turbo tax and choose to have fees taking out my refund. My refund was rejected due to wrong account number. I have called several times they say they have sent my paper checkin the mail regual mail at that. Give it 5- 7 business days but I have been waiting since the 19th and I still don't have it. I ask to be connected with a supervisor twice and I get no answer I left a voice mail two maybe three times asking to please be called back I haven't gotten a call back from from any supervisor. The other customer service reps just give me the run around with all different answers I am no happy with the service at allDesired Settlement: I want to talk to someone so they can resend me my refund check or refund it send it certified. I need it so badly I'm running out of time for bills and rent please

Business

Response:

RE: Case [redacted]

03.11.2015

Dear

[redacted],

This

is in response to the complaint filed against Santa Barbara Tax Products Group

to the Revdex.com on March 6, 2015 regarding delay in IRS funding.

Upon

review of your record, a Refund Transfer (RT) was chosen when your taxes were

prepared through Turbo Tax. On February 18, 2015 the IRS funded your federal

return; fees were deducted to pay your Turbo Tax user fees and an additional

Bank deposit product fee. The balance was deposited to the account instructed on

The Citizens Banking Company Refund Processing Agreement. Your Bank rejected

the funds and declared the account an R04 “invalid account number”. The funds

were returned to TPG on February 19, 2015.

According

to your contract, TPG issued a Cashier’s Check on February 19, 2015 and mailed

to the address on record. On March 6, 2015 the check was returned to our office

as undeliverable. Our regulators require that we follow Customer Identification

Program (CIP) and Know Your Customer (KYC) procedures, which are part of the

statute of the USA Patriot Act. Once you were verified as the lawful owner of

the funds, your refund was released on March 11, 2015 and mailed to the address

on record. Please allow 10 business days for receipt of your check.

Please

feel free to contact me at [redacted], Monday through Friday 7 am to 4 pm if

you have any further concerns or questions regarding this complaint.

Respectfully,

Compliance

Analyst

Review: On February 21,2015 my bank rejected my tax refund because it was over my card limit. On February 23, 2015 I went on SBTPG website to update my information so my refund can be re deposited. I had the verification code sent to my email. however, there was a glitch in the system. I pressed the resend code button 3 times. It took one hour for just 1 code to come through my email. I did not know that I was putting in the wrong code therefore my account was locked and my refund was sent back to the IRS. I contacted a customer service agent and was told that my refund would be sent to the IRS via ACH the same night, February 23. I was charged a $20 refund processing fee. Then at 6pm on February 26, I noticed that I was charged an additional $25 "processing fee." I spoke with a customer service rep who informed me that my refund was not sent out and that it the IRS should receive it in 1-2 days. He escalated the problem to put a rush on the ACH. I have been getting wrong information since first speaking with the reps on February 23. Every agent I talk to gives me incorrect or different information.

Business

Response:

RE: Case

03.03.2015

Dear [redacted],

This is in response to the complaint filed

against Santa Barbara Tax Products Group to the Revdex.com on

February 26, 2015 in regards to customer service issues and fees.

Upon review

of your record, a Refund Transfer (RT) was chosen when your taxes were prepared

through Turbo Tax. On February 20, 2015 the IRS funded your federal return;

fees were deducted to pay your Turbo Tax user fees and an additional Bank

deposit product fee. The balance was deposited to the account instructed on the

Sunrise Banks, N.A Refund Processing Agreement. Your Bank rejected the funds

and declared the account an R23 “credit entry refused by receiver”. The funds

were returned to TPG on February 23, 2015.

TPG has

nothing to do with the receiving bank’s decision to reject the funds. Once TPG

receives the rejected refund, our company has the option of making another

attempt to disburse funds to the customer or simply return the funds to the

IRS. Because your attempt to change your account information failed we were

unable to obtain the personal information from you in order to verify your

identity and to make the applicable changes needed to correct your account information.

TPG has begun the process of returning your

funds to the IRS. This process can take up to 15 business days. Please be

advised that once we have returned funds to the IRS it can be several weeks

before they acknowledge receipt and post to your account.

TPG charges

a commercially reasonable processing fee to cover the expenses associated with

reprocessing these items. Most banks typically charge between $25 and $35 for

return item fees. In this case, you were charged a $20.00 reprocessing fee for

the rejection of funds and an additional legal processing fee of $25 to return

funds back to the IRS. Please review the attached application and agreement for

full disclosure.

We thank you for the inquiry. If you have any

further concerns or questions regarding this complaint, please feel free to

contact me at 877-908-7228, Monday through Friday 7 am to 3 pm.

Respectfully,

Compliance Analyst

Review: I filed my deceased mothers tax return through Turbo Tax for her 2011 tax return. Turbo Tax has an agreement with Santa Barbara Tax Products Group LLC/[redacted] Bank of California If you elect to have them take the electronic filing fees from your refund, the refund is sent to Santa Barbara Tax Products Group LLC who holds it then is "suppose" to send it to you. I also received an email to myself from Santa Barbara Tax Products Group LLC in 11/2012 that they had the money and nothing more needed to be done on my part. All of which I was not aware of due to the nomenclature involved in Turbo taxes software.So I called the IRS they then told me it was not deposited in the account I had put on the electronic return, but that it was sent to Santa Barbara Tax Products Group LLC, who I then called in 2/2012. At that time they stated it was sent to IRS who I called again, who said they did not have it. From 2/2012 to the time I have written this complaint, I have called/emailed the IRS and Santa Barbara Tax Products Group LLC each telling me they do not have the money, however I have ask for proof from Santa Barbara Tax Products Group LLC and sent them documentation I was executor and they will not send me any proof that they have sent check to IRS. I also received an email from Santa Barbara Tax Products Group LLC stating they talked to IRS and it was ok to call and get the money, at which time the IRS said they never received it as of 4/22/2013, I then call Santa Barbara Tax Products Group LLC and talked to a supervisor named [redacted] who would not help me in any way saying I need to talk to IRS. I asked again for proof they sent it. He said that they would have trouble producing this information and they could not give me check since it was at IRS who on that very same day said they did not have it, and he would not conference call them with me to resolve it!Desired Settlement: I would like Santa Barbara Tax Products Group LLC to provide proof they sent the money, and the fees they imposed on me to be refunded and interest paid on the money that they said they sent back to IRS, and I want them to work with IRS to find out where this money is as I still have not received my deceased mothers tax refund!

Business

Response:

Review: On 2/18 the IRS forwarded my refund to [redacted], who forwarded apparently took their fee, and left it up to Santa Barbara tax to take an additional fee, then deposit my balance to my account, all correct information was triple checked through [redacted], only to have Santa Barbara say that they sent my funds to my bank, who rejected the funds because they could not verify my account, but when I called the bank( who is [redacted] Bank) also affiliated with Santa Barbara they said they never received a deposit that they had to deny.

So , nervously I went to Revdex.com to see if there were any complaints.. Obviously they was, then I wanted to hear what others were saying and their exact experiences, and to my horror, they ALL, I mean ALL SAID THE EXACT SAME THINGS!!!

They said that Santa Barbara had accused them of interning the wrong banking information, forcing them to MAKE US sent them our personal identification, for verification, that would take some 7 days, because there were thousands of other people who did the exact same thing!!!

I received, customer service, and was on the phone from 12 noon to after 3 calling number after number all with the exact recordings, even though they gave these numbers for additional assistance, and whenever you pushed for a representative, it immediately rang busy.

There is evidence on several social media sites to attest to them receiving the same story, with the same customer service, all with same exact results.Desired Settlement: I would like my refund processed immediately, without any extra, if any charges.

Business

Response:

February 26, 2016

Dear Ms. [redacted],

This is in response to your

complaints filed against Santa Barbara Tax Products Group (TPG) through the

Revdex.com on February 19, 2016.

Your complaint stated that your

refund was sent back to TPG because there was an issue with your account

number. After contact TPG’s customer service, you were unable to receive solid

information for when your refund would be sent to you.

If a taxpayer enters a bank

account that will not accept the refund deposit, the transaction is rejected by

the receiving bank. Often times this occurs because the taxpayer has entered

the incorrect bank account information or the account is closed. In these

cases, the receiving bank returns the funds to the sender, in this case, TPG.

TPG has nothing to do with the incorrect account information entered by the

taxpayer or the receiving bank’s decision to reject the funds. Once TPG

receives the rejected refund, the company has the option of making another

attempt to disburse the funds to the customer or simply returning the funds to

the IRS.

Controls are in place to protect

our customers from identity theft and fraud. TPG has requested you provide your

current, valid, government-issued photo identification through our website in

order to verify you are the correct account holder. TPG was able to verify your

information and release the hold from your account. On February 22 TPG

processed your tax refund as a check and mailed it to you on the same date.

Please allow up to 7 days for the check to reach your address listed.

If you have any other questions

or concerns, please feel free to contact me at [redacted], Monday through

Friday, 7am to 4pm.

Sincerely,

Compliance Analyst

Review: paid turbo tax to do my taxes. I had them take my fee out of my refund, which I found out goes to a third party being tax product group. come to find out that tax product group tried to send my refund to my bank and it was rejected, called my bank and they said nothing has tried to come into my account. call tax group back wait on hold 3 different times on hold for 30 minutes each time to get hung up on, finally get a hold of some one there and they said I have to wait for my picture id to upload to there sight, that was done a week ago. try calling them multiple times every day to either get hung up on or a busy signal. come to find out that looking on the Revdex.com im not the only one with this same problem. I have waited over two weeks with your company holding my money for no reason.Desired Settlement: I want my tax refund sent to me via mail or fed ex with a tracking number asap.

Business

Response:

February 26, 2016

Dear Mr. [redacted],

This is in response to your

complaint filed against Santa Barbara Tax Products Group (TPG) through the

Revdex.com on February 18, 2016.

Your complaint stated that after

filing your taxes, your account was placed on hold. You tried contacting TPG to

resolve the issue but were unable to get through to a representative.

If a taxpayer enters a bank

account that is incorrect or associated with other issues at the receiving financial

institution, the transaction is rejected by the receiving bank and the funds

are sent back to the sender, in this case, TPG. TPG has nothing to do with the

incorrect account information entered by the taxpayer or the receiving bank’s

decision to reject the funds. You mentioned in your complaint that your bank

had no record of a deposit attempt into your account. This is consistent with a

possibility that the routing number could have been entered incorrectly, in

which case the bank would have no record of a deposit attempt. Once TPG

receives the rejected refund, the company has the option of making another

attempt to disburse the funds to the customer or simply returning the funds to

the IRS.

Controls are in place to protect

our customers from identity theft and fraud. TPG has requested you provide your

current, valid, government-issued photo identification through our website in order

to verify you are the correct account holder.

After speaking with you on

February 19, TPG was able to verify your information and release the hold from

your account. On February 20 TPG processed your tax refund as a check and

mailed it to you on or around the same date. Please allow up to 7 days for the

check to reach your address listed.

If you have any more questions or

concerns, please feel free to call me at [redacted], Monday through Friday,

7am to 4pm.

Sincerely,

Compliance Analyst