Santander

Dear [redacted] : Thank you for your March 10,letter addressed to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on March 13,2015, as a representative of the Bank, I have been asked to respondWe appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is my understanding that you made a cash deposit at a new Automated Teller Machine (ATM) that does not require an envelopeYet, you were assessed an insufficient funds fee for the transaction, which you would like refunded.We have enclosed your January and February monthly statementsIn reviewing the statements, they show your checking account became overdrawn on January 20,2015, and a $insufficient fee was assessed for your AES [redacted] Loan paymentA second $insufficient funds fee was assessed on January 21,2015, when your AT&T bill was paidYour account balance was brought to negative $after you made the $ATM deposit on January 26, 2015,Since the deposit did not cure the negative balance on the account a $sustained overdraft fee was assessed on January 28,Since the two (2) insufficient funds fees were assessed to your account several days prior to the ATM deposit, the fees were not a result of the deposit, and not a result of a bank error, However, as a courtesy, the [redacted] Branch did refund one (1) $fee on March 9,2015, and subsequently the account was closedWe appreciate the opportunity to have provided you our products and servicesShould you have any additional questions in regard to this matter, please feel free to contact MsJen S [redacted] , a Customer Relations Representative, at 1-888-855-Sincerely, Joann G*** Vice President Manager, Customer Relations

December 28, 2015Dear [redacted] **: Thank you for your December 16, letter addressed to the Revdex.com (Revdex.com)The Revdex.com forwarded your letter to Santander Bank, N.A(Santander) on December 22, As a representative of Santander, have been asked to respondWe are sorry to learn of your concerns that you did not receive an Extrabonus for November 2015, and that you felt you did not receive a satisfactory explanation and resolution.As you stated in your correspondence, in order to receive the direct deposit bonus we require $1,Or more in total direct deposits in the Service fee periodDirect deposits include deposits made by the customer's employer or a federal or state government agency or retirement benefits administrator and generally payments made by Corporations or other organizationsIt does not include deposits to an account that are made by an individual using online banking or an internet payment provider such as [redacted] Person-to-person payments or "web entries" are not considered direct depositsPrior to a change in Automated Clearing House (ACH) rules that took effect over the period of March through March 2015, we were notable to distinguish person-to-person payments from direct deposits from payers such as employers and the Social Security AdministrationAs a result, some accounts may have met the direct deposit condition and had their monthly fee waived with a person-to-person paymentNow that the industry-wide change has taken place and your bank is providing the correct details for your deposits, these payments are classified as "web entries," and do not satisfy the direct deposit condition on our accountsWe regret that you are displeased with not receiving the bonus, however, an error has not occurred and a credit will not be provided.Should you have any additional questions in regard to this matter, please feel free to contact MsJen S [redacted] , a Customer Relations Representative, at ###-###-####Sincerely, JoAnn GVice President and Manager, Customer Relations

May 14, Dear [redacted] ***: Thank you for your April 29, letter addressed to the Revdex.comYour letter was forwarded to Santander on May , and as a representative of the bank, I have been asked to respondYou stated in your letter that you did not authorize overdraft protection from your money market account to your checking accountAs a result, you would like the sweep fee refunded.Your checking account was opened on August 10, 2009, while your money market account was opened on August 29, The money market account was set up as overdraft protection for the checking account, on the day the money market account was openedThis means that as long as sufficient funds are maintained in the linked account, which is the money market, funds will be swept to your checking account to cover transactions that are presented for payment that would otherwise cause an overdraftThere is a sweep fee per day, rather than a insufficient funds fee per item, which is a significant savingsThe sweep occurs once per day, and one (1) fee in the amount of is assessed per day, only if a sweep occursThis service is available to prevent your account from becoming overdrawnWhen your overdraft protection goes into effect, funds are swept from your money market in order to correct the overdrawn balanceIn reviewing your account activity, since 2011, you have made numerous transfers between accountsAs a result, you are familiar with this processSince you have had overdraft protection since and made transfers during this time, clearly overdraft protection does not prohibit your ability to make manual transfersYou should make the transfers to your checking account prior to utilizing the funds to ensure they are available for use.In reviewing your checking account, the money market account has since been delinked” and you no longer have overdraft protectionThis means that if you overdraw your account, your account will be assessed a insufficient funds fee for each item that is presented against insufficient fundsAlso, the Customer Contact Center refunded the sweep fee on May , 2014.Thank you for taking the time to share your concerns and for allowing me the opportunity to address themIf you have any additional questions, in regard to this matter, please feel free to call the Customer Contact Center at ###-###-#### or your local branch.You are a valued customer and we appreciate that you have chosen to bank with usWe look forward to assisting you with all of your financial needs, now and in the future

Thank you for your November 18, correspondence addressed to the Revdex.com (Revdex.com)The Revdex.com forwarded your letter to Santander Bank, N.A(Santander) on February 3, and as a representative of the Bank, I have been asked to respondWe appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youYou stated in your correspondence that you paid off your automobile loan but we have not released our security interest on the vehicleWhile you have made requests to have this processed completed, to date, it has not occurred.In researching this matter, it was determined that your automobile loan was paid in full in At that time, we mailed you a letter indicating that your loan was paid in fullWe also mailed a letter to Digital Federal Credit Union, who paid off your loan, providing them with proof that we had satisfied the lien on the vehicle| have enclosed copies of both lettersAlthough we took these actions, we regret that you may not have received this informationIn an effort to assist you, we sent a Lien Release Letter to your attention on January 26, and again on January 29, For your convenience, enclosed is a copy of the Lien Release Letters along with the merger letter that accompanied the releaseWe sincerely apologize that you experienced difficulty while attempting to resolve this matterWe have shared your experience with the appropriate management team for coaching purposes.Thank you for taking the time to share your concerns and for allowing me the opportunity to address themIf you have any additional questions, in regard to this matter, please feel free to call MsJen S [redacted] , a Customer Relations Team Leader, at ###-###-#### You have been a valued customer and we appreciate the opportunity you afforded us to provide our products and services to youWe would be pleased to have the opportunity to assist you with any of your future banking needs Sincerely, JoAnn G [redacted] Vice President and Manager, Customer RelationsCC: [redacted] Revdex.comMsJen S [redacted] , Customer Relations / Santander Bank, N.A.Enclosures

Dear [redacted] I sent you an answer to this request to answer your letter in days time which I did do As you can see this matter is still not settled, when all it takes to produce the photos from the Santander Bank's cash machine I find it rather obsurd that my Bank in California would have anything to do with this case in point All's I have from my Bank is a [redacted] to with draw money from ATM machines Thank you sincerely

April 15, 2014Dear ** [redacted] ;Thank you for your March 26,letter addressed to the Revdex.com of Washington DC and Eastern PennsylvaniaThey forwarded your concerns to Santander Bank on March 31, 2014, and n a representative of the bank I have been asked to respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is our goal at Santander Bank, N.A, to provide exceptional customer service and to carefully review matters raised by our customers.First and foremost, on behalf of Santander Bank, X sincerely apologize for any inconvenience and frustration this matter has caused youAt Santander, we take these issues very seriously and work hard to deliver exceptional service to our customersThe level of service you described is not at all consistent with our expectationsPlease be assured that the details of this situation have beet used for coaching and training purposes, to ensure a better experience for our customers in the future.You stated in your letter that you are questioning why you were advised that after the unauthorized purchases that were made on your account through [redacted] were returned you would be refunded for all the overdraft fees that were assessed to your accountUpon researching your concerns, we reviewed several telephone calls between yourself and several Customer Contact Center agents in February of Upon reviewing these telephone calls we found that you received conflicting information and for this we sincerely apologize.We are in the process of refunding your account for all the overdraft fees you were assessedYour account will be removed from [redacted] and no negative information will be reportedA total refund in the amount of $will be issued to your closed checking account [redacted] and it will be considered paid in full.Please accept my sincere apology on behalf of Sovereign Bank for any inconvenience you have experienced.Thank you for taking the time to share your concerns and for allowing me the opportunity to address them.If you have any additional questions, in regard to this matter, please feel free to call [redacted] ***, of the Customer Relations department at ###-###-#### or visit your local branch.You are a valued customer and we appreciate that you have chosen to bank with usWe look forward to assisting you with all of your financial needs, now and in the future.Sincerely,

May 7, Dear ***: Thank you for your April 22, letter addressed to the Revdex.com (Revdex.com) of Metro Washington DC and Eastern PennsylvaniaYour letter was forwarded to Santander Bank, Non April 29, and as a representative of the Bank, I have been asked to respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is our goal at Santander Bank, Nto provide exceptional customer service and to carefully review matters raised by our customersIt is my understanding you expressed concern regarding your checking account ending in [redacted] and your savings account ending in ***You indicated that you opened your Extra Checking and Savings accounts with the Bank in order to take advantage of the Banks bonus for having direct deposit and $bonus for completing two (2) bill pays per your monthly service fee periodYou also indicated that although you fulfilled these requirements, the Bank did not credit you the bonuses as promisedLastly, you requested that the Bank credit you the bonuses for which you qualifiedIn order to receive the $direct deposit bonus for the Extra Checking account, direct deposits) totaling $1,or more needed to be credited to the checking account during a service fee periodBecause you were employed by the Bank, you were not required to fulfill the $1,minimum requirement for the direct depositAlthough you were not required to meet the minimum direct deposit amount, a direct deposit of any amount during a service fee period was needed in order to qualify for the bonusIf your Extra Checking account met the direct deposit requirement during the service fee period and you complete two (2) or more bill pays through our Bill Pay tab on our Online Banking system within the same service fee period, you would receive credit for the $bill pay bonusIn reviewing your account history, we found that your November service fee period began on November 8, and ended on December 7, During this service fee period, four (4) direct deposits, totaling $1,690.13, were credited to your checking accountDuring the same service fee period, you completed two (2) bill pays, totaling 1,Because you fulfilled the requirements in order to receive credit for the bonuses, $was credited to your savings account on December 10, for the direct deposit and bill pay bonusesYour December service fee period began on December 8, and ended on January 7, Because your checking account did not receive a direct deposit during the service fee period, your account was not eligible for the bonusAlthough you did not fulfill the requirements in order to receive credit for the bonuses, as a courtesy, $was credited to your savings account on January 30, 2014.Our records indicate that your January service fee period began on January 8, and ended on February 7, During the service fee period, two (2) direct deposits, totaling $were credited to your accountDuring the same service period, you completed two (2) qualifying bill pays, totaling $Because you fulfilled the requirements in order to receive credit for the bonuses, $was credited to your savings account on February 10, for the direct deposit and bill pay bonusesDuring the service fee periods of February and March, no direct deposits were credited to your checking accountBecause no direct deposits were credited to your checking account, you did not qualify for the bonuses for these service fee periodsYou indicated in your correspondence that your account received wire transfers in order to meet the direct deposit requirementAlthough wire transfers were credited to your checking account, a wire transfer is not considered a direct deposit in order to fulfill the direct deposit requirementFor your review, enclosed are copies of your November through February statementsOur records indicate that you have received credit for the bonuses for which you were eligible, and no further funds are owed to you by the Bank in regards to this matterLastly, we show that you closed your accounts on April 18, Thank you for taking the time to share your concerns and for allowing me the opportunity to address themSincerely,

Thank you for your recent correspondence Submitted to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on August 12, 2016, and as a representative of Santander, I have been asked to respond.We are very sorry to learn of your disappointment with Santander regarding our decision to discontinue offering extraaccountsOn behalf of Santander, I wish to offer my sincere apologies for any inconvenience this decision may have caused you.In November 2015, we simplified our product line and introduced Simply Right Checking based on our research and feedback from our customersWhen Simply Right Checking was launched, we ceased opening extraaccountsAS Stated on page of our Personal Deposit Account Agreement, we may discontinue offering an Account type at any time without notice and we reserve the right not to offer all types of accounts at all timesWe have enclosed a copy of the Personal Deposit Account Agreement for your Convenience.We Sincerely hope that you will consider remaining a Santander customerThank you for taking the time to Share your Concerns and for allowing us the opportunity to address themWe value your feedback and we have shared your Concerns with our management teamIf you have any additional questions in regard to this matter, please feel free to contact MrAnthony C [redacted] , a Corporate Complaint Advisor, at ###-###-####.Sincerely, Ann G [redacted] Corporate Complaint Manager

March 5, Dear ** [redacted] : Thank you for your recent correspondence addressed to the Revdex.com of Metro Washington DC and Eastern Pennsylvania (Revdex.com)The Revdex.com in turn forwarded your inquiry to Santander Bank, N.A(Santander) on February 25, 2014, and as a representative of the Bank I have been asked to respond We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is our goal at Santander to provide exceptional customer service and to carefully review matters raised by our customers It is my understanding that due to the [redacted] breach the Bank had mailed you a new debit card and upon activation, the old card was to be closedYou stated in your correspondence that your checking account had been hacked and your account was cleared outYou mentioned that thereafter you contacted the Bank to report the incident and mentioned that you are not pleased with how you were treated and want your checking account credited First and foremost, on behalf of the Bank, I apologize for the level of service that you felt you received while attempting to rectify the matterAt Santander, we take these issues very seriously and work hard to deliver exceptional service to our customers Regrettably, due to the volume of compromised cards during an event such as the [redacted] breach, we were not able to close the old debit card on the same day that the new debit card was activatedWe sincerely apologize for this delayPlease be assured that your old debit card ending in [redacted] was closed on February 12, Again, we apologize for any inconvenience and frustration this matter caused you It is Santander Bank’s policy to conduct a thorough investigation on all dispute claims that we receiveAs disclosed in the Personal Deposit Account Agreement (PDAA), which you would have received when your account was opened, the Bank has up to ten (10) business days to complete the researchIf the research cannot be completed within this timeframe a provisional credit will be applied to your account until the research has been completedYour claim was completed within ten (10) business days of receiving the claim In researching your concerns, a claim was filed on February 7, in the amounts of $and $Your claim was completed and a final credit was applied to your checking account on February 21, A letter dated February 22, was mailed to you confirming the final outcome Thank you for taking the time to share your concerns and for allowing me the opportunity to address themShould you have any additional questions in regard to this matter, you may contact [redacted] , Card Claims Manager at ###-###-#### You are a valued customer and we appreciate that you have chosen to bank with usWe look forward to assisting you with all of your financial needs, now and in the future Sincerely,

August 20, 2014Dear [redacted] :Thank you for your July 29, letter addressed to the Revdex.com (Revdex.com) of Metro Washington DC and Eastern PennsylvaniaYour letter was forwarded to Santander on August 4, 2014, and as a representative of the bank, I have been asked lo respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is my understanding that you called our Customer Service Contact Center on Saturday, June 28, to request that we stop payment of check number [redacted] for $340.00, but the stop payment was processed incorrectly by the Customer Contact Center Representative.In researching the concerns you have presented, we have retrieved and reviewed the telephone call you had with our Customer Contact Center Representative on Saturday, June 28, During this telephone call, you requested that a stop payment be placed on check number ***, in the amount of $The Representative obtained all of the information from you, in order to process the stop payment, and then read to you verbatim our stop check payment disclosure which is as follows:"This stop payment will be effective after we have had a reasonable time to act upon your request which may take up ro business day, which does not include weekends or holidaysIf the check is presented before the stop payment request becomes effective,we may not be able to stop the payment of your checkYour stop payment will be in effect for the remainder of this month and an additional monthsWhen it expires, your check may be paid unless you have already renewed this stop payment request or you place another stop payment."After reading the disclosure to you, the Representative asked if you agreed, at which time you indicated your agreement The one (1) business day timeframe is to allow for the completion and processing of the stop payment, which means the stop payment was not effective until Julyl, and it is for this reason the check was paid on June 30.The Representative sent you a stop payment form to be completed, which was not necessaryThis procedure is for Automatic Clearing House (ACH) stop paymentsHowever, this error had no bearing on the processing time for your stop payment, which is still one (1) business day.Thank you for taking the time to share your concerns, and for allowing me the opportunity to address themYou are a valued customer and we appreciate that you have chosen to bank with us.Should you have any additional questions in regard to this matter, please feel free to contact Anthony C [redacted] , Customer Relations Representative at ###-###-####.Sincerely,Joann GVice President

I have been in contact with the branch manager and was provided the fee waiver that was discussedWe have decided to accept Santander's offer, based upon the time invested to gain approval for this Home Equity Line of Credit...we do not wish to go through this whole process again with another lending institutionThat being said, I am not sure that this same situation won't happen to someone else...and that person may end up accepting to pay the $175, which in our case, we continue to believe was deceptive on the part of SantanderWe have not closed on the loan at this point, so not sure how much more time this will take...so we may be back in contact with you once againThank you for your assistance with this matter

February 19, 2015Dear [redacted] ***: Thank you for your February 2, correspondence submitted to the Revdex.com, Metro Washington DC and Eastern Pennsylvania (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on February 5, 2015, and as a representative of the Bank, I have been asked to respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is my understanding that check [redacted] in the amount of $2,was presented and paid against insufficient fundsAs a result, you are questioning why the Bank paid the item when there were not sufficient fundsAlso, you mentioned contacting our Customer Service department via Electronic Mail (EMail), and it took several days for someone to contact you backFirst and foremost, I would like to apologize for the delay in receiving a response to your E-MailAs providing exceptional service is our goal at Santander, the level of service you described is not at all consistent with our expectationsPlease be assured that the details of this situation have been used for coaching and training purposes, to ensure a better experience for our customers in the future In order for me to explain what occurred on your account, I will first explain the features of the Santander Account ProtectorConsumers must tell US that they wish to allow us to pay Automated Teller Machine (ATM) and one-time debit card transactions, and charge the applicable fees when those transactions overdraw their accountIt is important to note that this does not apply to checks, Automated Clearing House (ACH) deductions or recurring debit card purchasesAlthough we will not assess any insufficient funds fees for ATM withdrawals or debit card purchases, any other type of transaction that we pay will result in insufficient funds fees if there are not sufficient funds in the account to pay the transactionOn January 16, 2015, your checking account had a balance of $3,On January 20, 2015, an online payment in the amount of $2,to [redacted] Credit Card posted to your accountOn the same business day, a Bill Pay check in the amount of $2,made payable to [redacted] Management, was presented for paymentThe account became overdrawn with the posting of this check, and as a result, one (1) $insufficient funds fee was assessedYour opt-out election for the Santander Account Protector means we will not charge insufficient funds fees for ATM withdrawals or one-time debit card transactionsThis election does not cover ACH transactions or checksSantander mails an Overdraft Notice when an account is overdrawnThe Overdraft Notice States that a Sustained overdraft fee will be assessed on the sixth consecutive business day your account is overdrawnTherefore, because your account was not brought to a positive Status until January 30, 2015, your account was assessed the $sustained overdraft fee that same day.We appreciate your banking relationship, and it is for this reason, that we have credited your checking account ending in in the amount of $for the sustained overdraft fee posted on January 27, This credit will be reflected in your next monthly statementThank you for taking the time to share your concerns, and for allowing me the opportunity to address themYou are a valued customer and we appreciate that you have chosen to bank with usShould you have any additional questions in regard to this matter, please feel free to contact Anthony Colamarino, Customer Relations Representative, at [redacted] Sincerely, JoAnn G Vice President Manager Customer Relations

August 20, 2014Dear [redacted] :Thank you for your July 29, letter addressed to the Revdex.com (Revdex.com) of Metro Washington DC and Eastern PennsylvaniaYour letter was forwarded to Santander on August 4, 2014, and as a representative of the bank, I have been asked lo respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is my understanding that you called our Customer Service Contact Center on Saturday, June 28, to request that we stop payment of check number for $340.00, but the stop payment was processed incorrectly by the Customer Contact Center Representative.In researching the concerns you have presented, we have retrieved and reviewed the telephone call you had with our Customer Contact Center Representative on Saturday, June 28, During this telephone call, you requested that a stop payment be placed on check number 1188, in the amount of $The Representative obtained all of the information from you, in order to process the stop payment, and then read to you verbatim our stop check payment disclosure which is as follows:"This stop payment will be effective after we have had a reasonable time to act upon your request which may take up ro business day, which does not include weekends or holidaysIf the check is presented before the stop payment request becomes effective,we may not be able to stop the payment of your checkYour stop payment will be in effect for the remainder of this month and an additional monthsWhen it expires, your check may be paid unless you have already renewed this stop payment request or you place another stop payment."After reading the disclosure to you, the Representative asked if you agreed, at which time you indicated your agreement The one (1) business day timeframe is to allow for the completion and processing of the stop payment, which means the stop payment was not effective until July, and it is for this reason the check was paid on June 30.The Representative sent you a stop payment form to be completed, which was not necessaryThis procedure is for Automatic Clearing House (ACH) stop paymentsHowever, this error had no bearing on the processing time for your stop payment, which is still one (1) business day.Thank you for taking the time to share your concerns, and for allowing me the opportunity to address themYou are a valued customer and we appreciate that you have chosen to bank with us.Should you have any additional questions in regard to this matter, please feel free to contact Anthony C [redacted] , Customer Relations Representative at ###-###-####.Sincerely,Joann G Vice President

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I am happy that the account has been closed and that that part of the resolution has been completed However, the letter from Santander stated that it would reimburse me $which put the now-closed account to a positive balance I have not received a check for the remaining balance of the closed account Once I have received this remaining funds I will be happy to close the complaint Regards, [redacted] ***

September 18, Dear [redacted] : Thank you for your follcorrespondence submitted to the Revdex.com of Metro Washington DC and Eastern Pennsylvania (Revdex.com)The Revdex.com forwarded your concerns to Santander Bank, N.A(Santander) on September 8, Again, was asked to respond on behalf of the BankIt is my understanding that you have additional concerns regarding the Annual Percentage Rate (APR) on your Home Equity Line of Credit account ending in ***According to your recent submission to the Revdex.com, at the time that you signed your Home Equity Line of Credit Agreement, you Stated that you were verbally informed by our representative that you qualified for 2.24% APR introductory rate offerOur review of this matter concluded that you were not told that you qualified for the 2.24% introductory rate offer at the time of your loan closingIt is important to note that prior to your loan closing, you were notified that we were unable to extend credit to you under the terms you originally requested or under the terms required in order for you to be eligible for the introductory rate offerYou were presented with a counteroffer of an $85,Home Equity Line of Credit with a 89.99% loan to property value ratio, which resulted in an interest rate of 4.99%You accepted the counteroffer and in doing so, acknowledged that you were aware that the introductory rate offer would not be applied to your loan requestFor your convenience, I have enclosed a copy of the 'Consumer Credit Application Confirmation' that you were provided, which outlines the terms of the counteroffer that you acceptedI have also enclosed a copy of the 'Home Equity Line of Credit Agreement' that you signed on June 16, The rate for your account was very clearly disclosed on both documentsPlease note that the Agreement is a legal, binding contractWe have no record that the Bank provided you with incorrect information about the rate that applied to the account at the loan closingAll terms of the line of credit, including the rate, were very clearly spelled out for you in the Agreement that you signedIt should also be noted that you signed a 'Notice of Right to Cancel,’ which permitted you to review your loan documents and gave you the opportunity to rescind within three (3) days of signing the loan agreementWe did not receive a cancellation request from youOur position regarding this matter is unchangedYour Home Equity Line of Credit did not meet several requirements necessary in order to be eligible for the 2.24% APR introductory rate offerFurthermore, we found no evidence to suggest that you were misinformed that the loan qualified for the introductory rate on the date that you signed the loan documentsTherefore, we are not able to accommodate you with the introductory rate on your Home Equity Line of CreditThank you for giving us the chance to address your additional concerns regarding this matterIf you have any additional questions regarding this matter, you may contact Aleda H***, Customer Relations Project Analyst at [redacted] Sincerely,JoAnn G Vice President Manager Customer Relations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Lisa the representative who was with me when I was signing the original 1st set of papers that were wrongfully dated 6/15/2014, as well as the 2nd set of papers with the corrected date 6/16/Lisa, the representative stated I DID qualify for the 2.24%That is why I continued forwardI had a 4.49% which is a lower rate irregardless of the limitShe did say there was a small fee if I closed the H.E.Lsooner than yrsThat is the only reason why I filed the complaintLisa stated I was getting he 2.24%I even wrote it down as we went through the papers Regards, [redacted]

September 2, Dear [redacted] : Thank you for your August 18, 2014, correspondence to the Revdex.com (Revdex.com) of Metro Washington DC and Eastern PennsylvaniaThe Revdex.com forwarded Santander Bank N.A(Santander) a copy of your inquiry, which we received on August 20, As a representative of the Bank, I was asked to respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist youIt is our goal at Santander to thoroughly review matters raised by our customersIt is my understanding that you are disputing fees that were assessed to your account as you indicated that you did not authorize overdrafts to your accountAdditionally, you expressed dissatisfaction with your service experience and stated that your Online Banking and Telephone Banking were not set up for you when you opened your account, and you did not receive your account opening bonus! also understand that you had two unauthorized purchases post to your accountWhen a deposit account is opened, multiple pieces of literature are provided to our customers, including the Personal Deposit Account Agreement (PDAA) and the Personal Deposit Account Fee Schedule (PDAFS)The PDAA discloses the terms and conditions that apply to deposit accounts at Santander, while the PDAFS discloses the fees your account may incur if applicable, including insufficient feesFor your convenience, have enclosed copies of these documents for your reviewOur records indicate that the beginning balance in your checking account ending in [redacted] on August 6, 2014, was $The same day one (1) transaction was presented for payment for $18,which exceeded your balance, As a result, your account incurred a $insufficient funds feeThis brought your balance to negative $On August 7, 2014, a transaction for $was presented for payment against an insufficient balanceSince this transaction exceeded your current balance your account incurred a $insufficient funds feeThis brought your balance to negative $A one-time fee is assessed to a checking account on the sixth consecutive business day that the account is OverdrawnOn August 14, 2014, a $sustained overdraft fee was assessed to your accountThis brought your account balance to negative $On August 20, 2014, as a courtesy your account was refunded two (2) insufficient funds fees for a total of $You stated that you did not authorize overdrafts for this accountOn November 13, 2013, when you opened your check account, you enrolled in Santander Account Protector, which authorizes the Bank to charge insufficient funds fees when you overdraw your account by making Automated Teller Machine (ATM) withdrawals and one-time debit card purchasesYou asked us to cancel your enrollment on August 19, 2014, which we have done.In your correspondence you mentioned that you were not set up with Online Banking and Telephone Banking access when you initially opened your accountOur records indicate that your checking account was opened on November 1, 2013, and during this time you were enrolled for our Online Banking service and Telephone Banking serviceYou also mentioned that you have not yet received your $account opening bonus for establishing a Student Checking accountWhen your Student Checking account was opened, the Bank was running a Student Promotion for $In reviewing your account history, we determined that your account fulfilled all of the requirements necessary in order to receive the promotion and the $account opening bonus was credited to your account on February 18, You stated in your correspondence that your account had unauthorized purchases from the merchant AmazonIn researching your concerns related to the two (2) unauthorized transactions that posted to your account on August and August 7, Our records show that you filed a dispute claim and reported your card as being lost on August 11, Your dispute claim was denied as you have a history of purchases with the particular merchantOn August 15, 2014, your account was credited $by the merchantWe recommend that you contact the merchant directly in an attempt to recover any additional fundsAdditionally, have enclosed a copy of our Simple Facts brochure, which explains in a straightforward manner how fees are applied to your accountWe have waived seven fees for you in the past year as a courtesy, including the most recent two fees totaling $that were waived on August 20, No additional fees refunds will be forthcomingOn behalf of the Bank, I sincerely apologize for the service experience as you described in your correspondenceYour comments have been forwarded to the appropriate management personnelFinally, you requested that we close your accountOn August 27, 2014, we have closed your checking account as requestedAn Official Bank check for the remaining balance in your account will be mailed to you under separate coverThank you for taking the time to share your concerns and for allowing me the opportunity to address themIf you have any additional questions in regard to this matter, you may contact Aleda H***, Customer Relations Representative at *- [redacted] .Sincerely, JoAnn G Vice President Customer Relations

Thank you for your recent rebuttal addressed to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on June 29, 2015, and as a representative of the Bank, have been asked to respondIt is my understanding that you continue to refute the fact that your auto loan application was verbal and would like the hard inquiry removed from your credit reportOn March 25, 2014, MrQuentin R***, a Personal Banking Representative in the Exton Branch, sent you an electronic mail (email) with an auto application attached, which corresponds to the date of the application in our loan application systemIn an effort to assist you, I have enclosed the emailFollowing this, you attempted to fax the application to MsR***, but were unsuccessfulTherefore, the application you submitted to MrR [redacted] was taken over the telephone on March 26, I have also enclosed my June 5, and June 15, letters, which also address this issueBased on this information, we continue to stand by the fact that the inquiry on your credit report is correct and will not be removedAs noted previously, the application record is located on our system and is not available for our colleagues to provide to customersThank you for taking the time to share your concerns, and for allowing me the opportunity to address them.Should you have any additional questions in regard to this matter, please feel free to contact MsJen S [redacted] , a Customer Relations Representative, at ###-###-####Sincerely, JoAnn G***Vice President Manager, Customer Relations

May 28, Dear [redacted] ***:Thank you for forwarding Santander BankNA information related to the abovementioned customerBelow please find a summary o: our recent contact with [redacted] regarding his concerns:On May 23, 2014, [redacted] was contacted by [redacted] , Small Business Area Manager, who assisted [redacted] with his concerns [redacted] was offered an apology for the service that he felt he received and was provided clarifications regarding his loan application.By the conclusion of the conversation, arrangements had been made in which [redacted] indicated be would provide [redacted] information directly in order to move forward with an updated loan request[redacted] expressed to [redacted] that he was satisfied with the outcome of their conversation.Thank you for allowing us the opportunity to address this matter.Sincerely,

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I am disputing the overdraft charges from February 20, 2015, not the charges they discuss in their response The charges from January, were due to my own oversight On Februrary 20, 2015, I deposited cash through an ATM which does not require an envelope and, according to Santander's own website, is available the same day The deposit and payment should have cleared without issue Regards, [redacted]