Santander

April 3, 2015Dear [redacted]:
Thank you for your March 16, 2015, correspondence submitted to the Revdex.com (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on March 20, 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 you. It is my understanding that you have paid off your loan with Santander in , December of 2011, and are looking to have this information updated on your Credit report.
On behalf of Santander, please accept our sincerest apologies for the incorrect information that was being reported to the credit reporting agencies, as well as for the length of time it has taken in order to rectify this matter. We fell short of our expectations,
Our records indicated that you spoke with [redacted] in our Customer Relations department on April 1, 2015. During your telephone call with [redacted], she advised you that in February 2014, the Bank Submitted an update to the credit reporting agencies correcting the paid in full date to reflect December 2011. Regrettably, the credit reporting agencies to which we submitted the update did not correct the paid in full date.
[redacted] confirmed with you that, on April 1, 2015, the Bank submitted another electronic update to the credit reporting agencies correcting the paid in full date. The confirmation (AUD) number for this update is [redacted]. We again reported that the status as paid in full and closed as of December 2011.
Thank you for taking the time to bring your concerns to our attention and for allowing us the opportunity to address them. Should you have any additional questions in regard to this matter, you may contact Talia C[redacted], Customer Relations Representative, at [redacted].
Sincerely,JoAnn G
Více President . Manager Customer Relations

November 13, 2015Dear [redacted]:
Thank you for your October 27, 2015 Correspondence Submitted to the Revdex.com (Revdex.com), Metro Washington DC and Eastern Pennsylvania. The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander), which we received on November 2,...

2015. As a representative of Santander, I have been asked to respond.We are sorry to learn that you have concerns regarding your extra20 Checking account ending in numbers [redacted]. I understand that you requested the account closed, however, the account was not closed and a preauthorized electronic payment was deducted from the account, causing an overdraft situation.
On behalf of Santander, offer my apologies for any inconvenience you experienced in relation to this matter. Please be assured that this situation has been reviewed and addressed by the appropriate management personnel.
We have determined that the closure of your account was not executed properly by our [redacted] Branch on October 1, 2015. As a result, the account remained open with a zero ($0.00) balance. Thereafter, a recurring automatic debit of $11.00 by [redacted]'s was paid on October 20, 2015. This caused the account to become negative and incur a $35 insufficient funds fee. On October 27, 2015, we received your cash deposit of $11.00, refunded the $35 fee, and closed the account,
Forthcoming to you under separate cover is a check for $11,00 to compensate you for the amount you paid to close your account.
Thank you for taking the time to share your concerns and for allowing us the opportunity to address them. If you have any additional questions in regard to this matter, you may contact Lance S[redacted], a Customer Relations Representative, at ###-###-####.
Sincerely,
Ann G.
Vice President Manager, Customer Relations

January 4, 2015Dear Mr. Solomon:
Thank you for your December 18, 2015 inquiry submitted to the Revdex.com Washington DC and Eastern Pennsylvania (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) On December 22, 2015, and as a representative of...

Santander, I have been asked to respond.We apologize for any confusion this matter has caused. It is my understanding that you feel you have met the criteria to receive the bonus of $150.00 for your new Santander Checking account ending in numbers 1948. AS we have explained to you have not yet met all of the Criteria to qualify for this bonus to date.
On December 29, 2015, Mr. Benjamin D[redacted], District Executive, spoke with you and discussed these concerns. He explained the requirements that qualify for the bonus are as follows.
•  that an eligible, new checking account should be opened with a minimum of $25.00,
• that the account should have direct deposits totaling $500.00 or more within the first 90 days, and
• the account must stay open for at least 90 days.
Once these requirements are met, the $150.00 bonus will be paid within 30 days. I understand Mr. D[redacted] clarified this information to your satisfaction.
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, you may contact Adrienne P[redacted], a Customer Relations Representative, at ###-###-####.
Sincerely,
JoAnn G.
Vice President and Manager, Customer Relations

Hello,
Today I walked in to a Santander bank with 3 checks payable to me from my friend's business account at Santander. Because I did not have an account at Santander, they wanted to charge me $6 per check to cash them!
They said it was for the 'service' they were providing me.
Needless to say, I left the bank with the checks in hand.
Is this even legal????????????

September 23, 2014
Dear [redacted]:
Thank you for your September 4, 2014, correspondence that was submitted to the Revdex.com of Metro Washington DC and Eastern Pennsylvania (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on September 8, 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 you. It is my understanding that you are disputing the fees that were assessed to your checking account ending in [redacted], as a result of your account being closed prior to the [redacted] transaction being presented.
You also mentioned when you contacted our offices, that you were transferred multiple times and when you finally reached the Collections Operations area to inquire about the fees, you were placed on hold for almost thirty (30) minutes. Please 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. At Santander, we take these issues very seriously and work hard to deliver exceptional service to our customers. In this case, we have fallen short of our own standards.
In researching the concerns you have presented, I have found that your checking account was not closed properly due to a Bank error. You mentioned in your correspondence to the Bank, you would pay the $36.00 transaction since we made that payment on your behalf to [redacted]. You can make this transaction at the Branch where you closed your accounts. You will not be responsible for any fees associated with this transaction and they have been waived due to our error.
We appreciate the opportunity to have provided you our products and services. We would be pleased for the opportunity to assist you with any future banking needs that you may have. Should you have any additional questions in regard to this matter, please feel free to contact Anthony C[redacted], Customer Relations Representative at [redacted].Sincerely,JoAnn G
Vice President Manager Customer Relations

November 10, 2014Dear [redacted]:
Thank you for your October 22, 2014, correspondence submitted to the Revdex.com (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on October 28, 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 you. It is my understanding that you are questioning the balance in your checking account ending with [redacted]. You stated that money is missing from the account and you would like this investigated.
In reviewing your account history, we have determined that the transactions you mentioned in your correspondence have cleared your checking account accordingly. Since you did not specifically mention what you feel your account balance should actually be, we are unable to determine if an error has occurred. I have enclosed a copy of your October 2014 statement for your review. Your statement will provide you with a list of all of the daily transactions that have cleared your account for the time period you are disputing, as well as your ending balance for each of those days. Upon reviewing your statement, if you feel that a transaction has cleared your account in error, please contact Ms. Talia C[redacted] in our Customer Relations department. Ms. C[redacted] will be happy to investigate this matter further.
Thank you for taking the time to share your concerns, and for allowing me the opportunity to address thern. You 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 Talia C[redacted], Customer Relations Representative at ###-###-####.Sincerely,JoAnn G
Vice President Manager Customer Relations

April 8, 2014
Dear **. [redacted]:Thank you for your correspondence submitted to the Revdex.com of Metro Washington DC and Eastern Pennsylvania (Revdex.com). The Revdex.com in turn forwarded your concerns to Santander Bank, N.A. (Santander) on March, 31 2014, and as a representative of the Bank I have been asked to respond.First and foremost, I would like to apologize for any inconvenience or frustration this matter may have caused you. At Santander, we take these issues veiy seriously and work hard to deliver exceptional service to our customers.Your correspondence indicates that you still have concerns regarding the overdrafts that were assessed to your account. You also expressed concerns regarding the increase to that you have requested on your loan. Lastly, you mentioned that you have been working with District Executive [redacted], however you have not received a response from him.In an effort to further research your concerns we reached out to **. [redacted] regarding this matter.Mailed the customer a letter which explained that we reached out to DE [redacted] and understanding that the customer has been in contact with BM [redacted], and Executive Assistant [redacted] multiple times regarding this matter; however unfortunately the Bank’s position has not changed.In discussing this matter with **. [redacted], it is my understanding that you applied and were declined for an increase on your existing Line of Credit (LOC) account ending in [redacted]. As mentioned in your correspondence, you are looking to increase your LOC amount in order to pay off some debt to avoid bankruptcy. I further understand you have also had discussions with [redacted], Branch Manager of the [redacted] branch location. I understand that **. [redacted] has explained to you that the Bank’s decision to decline your request to increase your LOC amount remains the same. I understand that this information was also communicated to you again during a conversation that you had with [redacted], Executive Assistant on March 26, 2014.In our March 3, and March 19, 2014 response to you we explained that the overdraft fees that were assessed to your checking account ending in [redacted] are valid. Our response also stated that your LOC increase request was denied and we enclosed copies of each denial letter that was mailed to you. Enclosed you will find our prior responses that were mailed to you dated March 3, and March 19, along with copies of the LOC increase denial.We regret we are not able to accommodate your request at this time.Lastly, in your correspondence you mentioned that you have been working with District Executive [redacted], however you have not received a response from him. We apologize that **. [redacted] was not able to speak with you personally, but I understand **. [redacted], his assistant, did return your call on his behalf.
We again thank you for taking the time to share your concerns and for allowing me the opportunity to address them. If you have any further questions regarding your accounts, please call our Customer Contact Center at ###-###-####, or visit your local Bank branch office.Sincerely,

September 2, 2015
Dear [redacted]:
Thank you for your August 18, 2015 letter addressed to the Revdex.com (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on August 21, 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 you. It is my understanding that you conducted a $4,000.00 balance transfer on April 29, 2015. Although the funds were deducted from your [redacted] Credit Card ending in numbers [redacted], the funds were not credited to your account at your credit union. You have been trying to get this matter Corrected since then.In researching the concerns you presented, we found that you contacted Santander in Order to facilitate a $4,000.00 balance transfer on April 29, 2015 from your [redacted] Credit Card, and provided a card number ending in numbers [redacted] as the card to receive the balance transfer. Santander processed the transaction and charged a $160.00 balance transfer fee for doing so.You first notified Santander of an issue with the balance transfer on June 29, 2015. At that time a request was submitted in order to look into this matter. It was at this time that you disclosed that your card ending in numbers [redacted] is a debit card linked to your checking account at [redacted]. Since balance transfers cannot be completed between a credit card and a debit card, the funds were not credited to your debit card, and ultimately your checking account. Balance transfers can only be completed between two credit cards.As a follow up to that conversation, you spoke with Mr. Joseph J[redacted] in our Quality and Training Administration department on July 10, 2015, so additional information could be obtained. It was at that time that the account number and routing number were provided for your checking account at [redacted].
As soon as we had all of the information to request the reimbursement, we contacted [redacted] several times to request the return of the funds. The refund was not received until August 31, 2015. On August 31, 2015 we applied $4,160.00 to your [redacted] credit card balance. As the refund exceeded the balance on your [redacted] card, the difference of $262.17 will be mailed to your attention under separate cover in the form of a check,
While we understand your frustration over the length of time this matter has taken in order to resolve this matter, we were simply unable to correct it until the funds were returned to us.Thank you for taking the time to share your concerns, and for allowing me the opportunity to address them. You 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 Ms. Jen S[redacted], a Customer Relations Representative, at ###-###-####.
Sincerely,
JoAnn GVice President and Manager, Customer Relations

Thank you for your recent correspondence addressed to the Consumer Financial Protection Bureau (CFPB). The CFPB forwarded your inquiry to Santander Bank, N.A. (Santander) on April 21, 2016, and as a representative of Santander, I have been asked to respond.We are sorry to learn of the...

concerns you expressed in relation to yiur Debit Card claim. understand that you are dissatisfied with the amount of time it would take for the funds to be returned to your account.understand that you have spoken to Ms. Adrienne P[redacted] in our Customer Relations department on Several occasions regarding this matter. Ms. P[redacted] Confirmed that your claim was approved and the funds in the amount of $885.44 were credited to your account, in conjunction to the $35.00 Sustained overdraft fee. Both of these credits will be reflected on your next monthly statement.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, you may contact Ms. P[redacted] at ###-###-####.Sincerely,JoAnn G[redacted] Vice President and Manager, Customer Relations

September 18, 2014
Dear [redacted]:
Thank you for your follow-up correspondence 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, 2014. Again, was asked to respond on behalf of the Bank.
It is my understanding that you have additional concerns regarding the Annual Percentage Rate (APR) on your Home Equity Line of Credit account ending in [redacted]. 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 offer.
Our 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 closing. It 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 offer. You were presented with a counteroffer of an $85,000.00 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 request.
For 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 accepted. I have also enclosed a copy of the 'Home Equity Line of Credit Agreement' that you signed on June 16, 2014. The rate for your account was very clearly disclosed on both documents. Please note that the Agreement is a legal, binding contract.
We have no record that the Bank provided you with incorrect information about the rate that applied to the account at the loan closing. All terms of the line of credit, including the rate, were very clearly spelled out for you in the Agreement that you signed. It 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 agreement. We did not receive a cancellation request from you.
Our position regarding this matter is unchanged. Your Home Equity Line of Credit did not meet several requirements necessary in order to be eligible for the 2.24% APR introductory rate offer. Furthermore, 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 documents. Therefore, we are not able to accommodate you with the introductory rate on your Home Equity Line of Credit.
Thank you for giving us the chance to address your additional concerns regarding this matter. If you have any additional questions regarding this matter, you may contact Aleda H[redacted], Customer Relations Project Analyst at [redacted].
Sincerely,JoAnn G
Vice President Manager Customer Relations

April 25, 2014
Dear **. [redacted]:Thank you for your April 13, 2014 correspondence to the Revdex.com (Revdex.com), which forwarded your inquiry to Santander Bank N.A. We received your inquiry on April 17, 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 you. It is our goal at Santander to carefully review matters raised by our customers.In your correspondence to the Revdex.com, you indicated that you requested your account closed on December 16, 2013. It is my understanding that recently, however, you learned that the account was not closed and that an electronic debit posted to the account on April 7, 2014, which caused it to become overdrawn and incur overdraft fees. I understand that you would like a refund of charges on the account as well as additional monetary compensation.First and foremost, on behalf of the Bank, I wish to offer my sincerest apologies for the experience you described. Please be assured that this situation has been reviewed and addressed by the appropriate management personnel.Our records show that on December 16, 2013, you made a cash deposit of $580.00 to your account. In addition, debit card transactions that you authorized continued to post to your account after December 16, 2013. According to your inquiry, you demanded that the account be closed on December 16, 2013 and that a check for the balance be mailed to you. We have been unable to determine precisely what may have occurred in regard to this matter. However, we do note that if you requested the account closed on December 16, 2013, then your actions of depositing cash into the account that same day as well as continuing to conduct transactions from the account using your debit card do not appear consistent with your desire to have the account closed that day. Furthermore, it should also be noted that if at the specific time that you asked to have the account closed there were transactions pending on the account, you would have been advised that the account could not be closed at that time due to pending transactions.Because you did not specify with whom or where you requested the account closed on December 16, 2013, we have been unable to determine if arrangements were made that day to close the account, possibly at a later date for you. In reviewing our records, we were not able to locate any documentation related to any such request to close the account on December 16, 2013, nor did we identify any calls placed by you to our Customer Call Center on December 16, 2013 regarding your account. Despite this, we extend our apologies for any oversight that might have occurred.Additionally, assuming you requested that your account be closed on December 16, 2013, we are also puzzled that upon continuing to receive statements for the account each month after December 16,2013, that you did not previously inquire with the Bank as to why the account remained open. Had you contacted the Bank earlier and explained that you desired the account closed, the account would have been closed for you, as long as it had a balance of $0.00 or more and that there were no pending transactions at the time of your request.From December 16, 2013 until April 7, 2014, which was the date on which a $195.51 [redacted] transfer was processed from the account and caused it to become overdrawn, no overdraft fees were assessed to the account. As a result of the [redacted] transaction in question, the account was assessed an insufficient funds fee ($35.00) and a sustained overdraft fee ($35.00) when the negative balance was not cleared by the sixth business day. In consideration of this matter, a courtesy refund of each of the overdraft fees has been processed to the account. The account balance is currently negative $195.51. Please make a deposit to the account to cover the negative balance. After doing so, we can close the account upon your request.In your inquiry, however, you alluded that the [redacted] transaction may be “false” or fraudulent. If you did not authorize the [redacted] transaction that posted to the account on April 7, 2014, you may dispute the charge by filing an unauthorized transaction claim. You may submit a dispute by calling our Customer Contact Center at ###-###-####. If you file a dispute and the outcome of the investigation is found in your favor, the amount of the transaction will be credited to your account. If the investigation determines that you authorized the transaction, you will remain responsible for the amount of the charge.With regard to your demand for additional compensation from the Bank, no additional or separate compensation will be provided to you in regard to this matter.In your correspondence to the Revdex.com, you referenced Santander “outsourcing calls to 3 rd world countries” in relation to requesting your account closed. We were unable to ascertain the origin of this particular concern, however, please be assured that Santander Bank, N.A. maintains its customer service call centers (Customer Contact Centers) in the United States. You also referred to the Bank’s “passing of false information to credit companies.” Again, we were unable to determine the nature of this concern as the Bank has not provided any information related to your account to any credit bureaus as of this time. It should be noted, however, that in the event that you do not make a deposit to cover the negative balance or initiate a dispute for the charge in question, the account may be subject to being closed and charged off as a bad debt. At that time, we may then report the unpaid negative balance and account charge off to [redacted], which may result in your inability to open an account at another bank.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, you may contact our [redacted] District Office at ###-###-####.Sincerely,

January 15, 2016Dear Messrs. [redacted], and [redacted]:Thank you for your inquiry to the Revdex.com (Revdex.com) on January 1, 2016. The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on January 4, 2016. As a representative of Santander, your letter was...

forwarded to me for response.It is my understanding that you are questioning the payoff you received for your Commercial loan.Santander responded to your concerns by letter dated December 30, 2015. As the letter adequately addresses the issues that you have raised, rather than reiterate the Contents of the letter, would like to refer you to the December 30, 2015 letter, which is enclosed and outlined the payoff Calculations and Satisfaction fee in our previous response which is enclose. No compensation will be forthcoming.if you have any additional questions in regard to this matter, you may contact Mr. Michael H[redacted], Vice President, at ###-###-#### or Ms. Jen S[redacted], Customer Relations Representative, at ###-###-####.
Sincerely,
JoAnn G.
Vice President Manager, Customer Relations

October 1, 2014Dear [redacted]:Thank you for your September 24, 2014 correspondence submitted to the Revdex.com. The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on September 29, 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 you. It is my understanding that you are questioning insufficient funds fees that were assessed to your checking account, ending in numbers [redacted]. Specifically, you noted that the fees are incorrect because you did not elect to opt in to the Santander Account Protector.
First and foremost, I would like to apologize for this matter. At Santander, we take these issues very Seriously and work hard to deliver exceptional service to our customers. In this case, we have fallen short of our own standards.
In researching the concerns you presented, we determined that you opened your Santander Student Checking account at the [redacted] Branch on July 29, 2013. Ms. Marilyn L[redacted], a Personal Banking Representative, assisted you with the account opening process. She confirmed that you did not elect to enroll in the Santander Account Protector. It appears, however, that an opt-in election was selected in error for your account.
Ms. L[redacted] has refunded the insufficient funds fees that were assessed to your account. The fee refunds are as follows:Date Refund Amount September 18, 2014 $ 70,00 September 25, 2014 $140,00 October 1, 2014 $105.00 $315.00Ms. L[redacted] spoke to you in regard to this matter on September 30, 2014, and provided all of the above fee refund amounts to you. She indicated that you were satisfied with the amount of the refund. She did not reverse the insufficient funds fee that was assessed on September 11, 2014, as it was associated with a check.Your election for the Santander Account Protector was cancelled on September 18, 2014. This means that we generally will not pay any ATM and one-time debit card transactions if you do not have sufficient funds in the checking account to cover the transactions.Again, on behalf of Santander please accept my apologies for any inconvenience this matter may have caused you.Thank you for taking the time to share your concerns, and for allowing me the opportunity to address them. You 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 Ms. L[redacted] at ###-###-#### or Ms. Jen S[redacted], a Customer Relations Representative, at ###-###-####.Sincerely,
JoAnn G
Vice PresidentManager, Customer Relations

December 28, 2015Dear [redacted]:
Thank you for your December 16, 2015 letter addressed to the Revdex.com (Revdex.com). The Revdex.com forwarded your letter to Santander Bank, N.A. (Santander) on December 22, 2015. As a representative of Santander, have been asked to respond.
We...

are sorry to learn of your concerns that you did not receive an Extra20 bonus 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 $1,500.00 Or more in total direct deposits in the Service fee period. Direct 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 organizations. It 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 deposits.
Prior to a change in Automated Clearing House (ACH) rules that took effect over the period of March 2014 through March 2015, we were notable to distinguish person-to-person payments from direct deposits from payers such as employers and the Social Security Administration. As a result, some accounts may have met the direct deposit condition and had their monthly fee waived with a person-to-person payment. Now 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 accounts.
We 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 Ms. Jen S[redacted], a Customer Relations Representative, at ###-###-####.
Sincerely,
JoAnn G.
Vice President and Manager, Customer Relations

Dear [redacted]
I sent you an answer to this request to answer your letter in 10 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

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

August 26, 2014Dear [redacted]:
Thank you for your August 5, 2014, correspondence to the Revdex.com (Revdex.com) of Metro Washington DC and Eastern Pennsylvania. The Revdex.com forwarded Santander Bank N.A. (Santander) a copy of your inquiry, which we received on August 11, 2014. As...

a representative of the Bank, was asked to respond.We appreciate your inquiry and can assure you that this matter has been carefully researched in order to assist you. It is our goal at Santander to thoroughly review matters raised by our customers.
First and foremost, on behalf of the Bank, I wish to offer my sincerest apologies for your experience and for any inconvenience that you encountered throughout the loan process. Please be assured that this situation has been reviewed and addressed by the appropriate management personnel.
It is my understanding that you have concerns related to your Home Equity Line of Credit ending in [redacted]. Specifically, you are questioning the APR (annual percentage rate) on the account. You believe that the current APR is not what it should be and you are requesting that it be changed to a fixed rate of 2.24% APR.
In reviewing this matter, understand that representatives at our [redacted] Branch had several conversations with you at the beginning of the year about our limited time, fixed introductory rate offer on a Home Equity Line of Credit (HELOC). You expressed interest in the offer during your discussions at the branch, however, you ultimately did not elect to submit an application until April 8, 2014, which was several days after the promotional offer expired. In order to have been eligible for the introductory rate, an application was required to be submitted no later than March 31, 2014. In addition, to get the introductory APR, the credit line requested needed to be between $100,000.00 to $750,000.00 with the loan-to-property value ratio not to exceed 80%.
In speaking to you about the offer, understand that the representatives informed you that the Bank could potentially provide you a larger Credit limit than your current HELOC had, while also affording you an introductory fixed rate of 2.24% APR for the first twelve (12) billing cycles, if you qualified.
The initial 4.99% APR on your HELOC, as disclosed in the Home Equity Line of Credit Agreement that you signed on June 16, 2014, is correct, based on the $85,000.00 credit line that we were able to extend at the loan-to-property value ratio of 89.9%. We also note that prior to your signing of the loan documents, the pricing structure (APR) that applied to the HELOC was explained to you by the representatives at the [redacted] Branch. In doing so, it was made clear to you at that time, that the HELOC was not eligible for the introductory 2.24% APR. With the knowledge that the introductory rate would not be applied to the line of credit, you elected to move forward with the loan and ultimately agreed to the terms Set forth in the Home Equity Line of Credit Agreement.It is for the reasons outlined above that we are not able to accommodate your request to change your rate to a fixed introductory rate of 2.24% APR.
In your inquiry, you also mentioned problems that arose during the application process. Specifically, you referenced an unexpected $75.00 fee, an appraisal that was completed on the wrong property, and errors with the dates that appeared on the loan documents.
The $75.00 fee in question was for the release of the lien associated with your previous LOC, and this fee was ultimately covered by the Bank. With regard to the appraisal and document date errors, understand that both matters were corrected in a timely manner. Again, on behalf of the Bank I sincerely apologize for these errors.
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, you may contact Aleda H[redacted], Customer Relations Representative at ###-###-####.
Sincerely,JoAnn G
Vice President Customer Relations

November 5, 2014Dear [redacted]:Thank you for your October 20, 2014 correspondence submitted to the Revdex.com (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on October 23, 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 you. It is my understanding that you have concerns regarding monthly fees that were assessed to your checking account ending with [redacted], and you are requesting of a refund of those fees.In researching the concerns you have presented, our records indicate that you opened a Santander Classic checking account on April 23, 2012, with a $3,000.00 deposit. In order to avoid the monthly fee for this account, you need to maintain a minimum of $500,00 in total direct deposits, or at least a $750.00 average daily balance in your checking account for the service fee period. If you fell below this requirement, a monthly fee of $10.00 is assessed to your account. After reviewing your account history, you did not meet the necessary requirements in order to avoid the monthly fee.On April 7, 2014, your balance was $1,300.00. On this same day, a transfer from the account in the amount of $650,00 was processed. After the transfer processed, your ending balance for this day was $650.00. Your average daily balance then fell below the minimum required balance of $750.00, and your account was assessed a $10.00 monthly fee on May 27, 2014. Your account continued to remain below the required minimum monthly balance, and your account was assessed a $10.00 monthly fee for the months of June, July, August, September, and October 2014, in order to avoid being assessed a monthly fee, your average daily balance for each service fee period will need to be at least $750.00. Although a Bank error has not occurred, we will waive fees in the amount of $50.00 as a one-time courtesy.For your convenience, I have enclosed a copy of your monthly statements for the months of May 2014 through October 2014. have also enclosed a copy of the Personal Deposit Account Fee Schedule (PDAFS), which contains some information about the Santander Classic Checking account, Such as:• Low minimum balance requirement• No monthly fee with $500 in direct deposits or a $750 average daily balance (otherwise, $10,00)• No per-check chargeWe encourage you to schedule an appointment with your local Santander bank branch to review the different account options we offer to ensure you are in the best product to meet your current financial needs.Thank you for taking the time to share your concerns, and for allowing me the opportunity to address them. You 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 Talia C[redacted], Customer Relations Representative at ###-###-####. Sincerely,JoAnn G.
Vice President
Manager Customer Relations

August 21, 2015Dear [redacted]:
Thank you for your July 31, 2015 correspondence submitted to the Revdex.com (Revdex.com). The Revdex.com forwarded your inquiry to Santander Bank, N.A. (Santander) on August 10, 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 you. It is my understanding that you have concerns regarding your checking account ending with [redacted]. Specifically, you are requesting that the Bank refund all overdraft fees assessed to the account and remove your name from [redacted],
First and foremost, I would like to apologize that the funds from your mobile deposit were not made available to you in accordance with our Funds Availability policy. At Santander, we take these issues very seriously and work hard to deliver exceptional service to our customers. In this case, we have fallen short of Our own standards.
In researching the concerns you presented, we found that at 8:14 pm on June 19, 2015, you made a deposit in the amount of $300,00 via the Mobile Banking Application. Since your deposit was made prior to our 10:00 pm cutoff, $200.00 of your deposit should have been made available to you the next business day. However, the funds were not made available to you and your account was assessed a total of six (6) $35.00 insufficient funds fees. Since the account maintained a negative balance for five (5) consecutive days, the account was then assessed one (1) sustained overdraft fee in the amount of $35.00. The total amount of fees assessed to the account was $245.00.
Since the account maintained a negative balance for thirty five (35) consecutive days, the account was closed with a balance of negative $250.70 on July 29, 2015, and reported to [redacted]. For your review, I have enclosed copies of your June and July 2015 monthly statements.
We have waived all fees assessed to your account and have removed your name from [redacted]. The account is closed and no balance is due. We sincerely apologize for any inconvenience you experienced in regard to this matter.
We appreciate the opportunity to have provided you our products and services. We would be pleased for the opportunity to assist you with any future banking needs that you may have. Should you have any additional questions in regard to this matter, please feel free to contact Talia C[redacted], Customer Relations Representative, at ###-###-####.
Sincerely,JoAnn G
Vice President Manager Customer Relations

The lack of training of Santander employees is beyond ridiculous. For an institution that handles money, the lack of training is not only an inconvenience, but also a risky practice. I got married and wanted to add my husband to my account. Not only that the process turned out more complicated than I ever would have expected, but two months later I still have not added my husband to said account. Three different branches, three different answers. Absolutely ridiculous. I gave up on adding him, my resolution for the matter is just to close my account all together and find somebody else.