Santander

Thank you for your February 23, letter addressed to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on March 6, 2015, and as a representative of the Bank, l 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 you are questioning a $Automated Teller Machine (ATM) withdrawal that you conducted on February 20, at a [redacted] location.We apologize for any inconvenience you experienced with our ATM machines and while attempting to resolve this matterYour telephone calls to the Customer Contact Center were retrieved and reviewed, in doing so, we found that you spoke with an agent on February 20, at 5:PM, after the unsuccessful ATM withdrawalYou advised the agent that you attempted to withdraw $400.00, but the ATM only provided $and a receipt for $The agent explained that the transaction was in a pending status and a transaction cannot be disputed until it posts to the history of an accountThe agent transferred you to a supervisor as you requested.You were transferred to Contact Center Supervisor, MrA [redacted] who explained that he was working the following day and encouraged you to call back and ask for him so he could assist you further once the item was posted to your accountOur review of the call indicates that you used foul language when Speaking with MrA [redacted] and he requested that you refrain from using this type of language.The $ATM withdrawal posted to your checking account ending in numbers 1143, the evening of Friday, February 20, 2015.On February 21, 2015, you contacted the Customer Contact Center and a dispute was submitted for youIt was explained that provisional credit can take days, which is the standard timeframe in the industry,A $credit posted to your checking account on Tuesday, February 24, A letter outlining the outcome of your dispute dated March 5, is enclosed for your convenienceFollowing this, you closed your checking account on March 10, Because of the discrepancy between the $you received, the $debit to your account, and the $credit, we are sending you a check for the $20,difference.Please note for future reference that we do not permit foul language to be used with any of our agentsWhile we did not terminate several of the calls we had with you when you began using foul language, we reserve the right to do so at any time.Should you have any additional questions in regard to this matter, please feel free to contact MsJen S [redacted] , a Customer Relations Representative, at [redacted] .Sincerely,JoAnn G [redacted] Vice President Manager, Customer Relations

Dear Ms.Ortiz Thank you for contacting Santander Bank, N.A(Santander) regarding the above mentioned customer issueWe are in receipt of the customer's second rebuttal to our original reply, which has been forwarded to me for a responseAs stated in our previous responses, our records indicate the insufficient fund fees that were assessed to [redacted] ***'s account were not the result of a Bank errorIt is for this reason that Santander's position remains the sameAlso, I must note that we have reached out to [redacted] on several occasions in order to further discuss this matterHowever, [redacted] has not returned any of our messagesIf you correspond with [redacted] , we would appreciate your urging him to contact us to discuss this matterShould you or [redacted] ***

August 12, 2014Dear [redacted] :Thank you for your 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 July 28, 2014, 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 youIt is our goal at Santander to thoroughly review matters raised by our customersFirst and foremost, I would like to apologize for the length of time that it has taken to resolve this matterAt Santander, we take these issues very seriously and work hard to deliver exceptional Service to our customersPlease be assured that the details of this situation have been shared with the appropriate management team to ensure a better experience for our customers in the futureIt is my understanding, that you requested your account to be closed, and the available balance be mailed to your P.OBox addressHowever, the check was mailed to your physical address, and as of the date of your inquiry, you have not received the check.On August 5, 2014, you discussed your concerns with MrAnthony C [redacted] in the Santander Customer Relations DepartmentYou confirmed that a replacement check was mailed to you on July 30, 2014, in the amount of $13.95, which you receivedThis check represents the closing transaction of your checking account ending in During the conversation, MrC [redacted] also informed you that we had identified the error that caused the original check to be sent to your physical address.Again, please accept my apology on behalf of Santander for any inconvenience that you experienced in regard to this matterWe regret to hear that you have terminated your relationship with usWe thank you for taking the time to share your concerns and for allowing me the opportunity to address themShould you have further questions in regard to this matter, please feel free to contact MrC [redacted] at ###-###-####.Sincerely, Ann G Vice President - Manager, Customer Relations

May 14, 2014Dear ***:Thank you for your April 21, letter addressed to the Revdex.com (???) of Metro Washington DC and Eastern PennsylvaniaYour letter was forwarded to Santander Bank, NAon May 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 customersIn your letter, you are questioning why your Line of Credit account, ending in ***, was not closed in October of when you closed your checking accountUpon researching your account, we do not have evidence of any requests from you to to close your Line of Credit account in October of Our records indicate that on February 12, 2014, you requested a payoff balance for your Line of Credit accountOn March 27, 2014, when you requested that your account be closed, we mailed you a letter advising you that your request could not be processed at that time, as your account had an outstanding balance of $That day, you made a payment in the amount of $62.88, which left a balance of $Since your payment did not satisfy the payoff balance, your loan was not closedOn April 24, 2014, you again requested to close your Line of Credit account, at which time a late fee of $and interest in the amount of $were waived and your account was closedThank 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 branchYou 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,

[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] ***

July 22, 2015Dear [redacted] Thank you for your June 12, correspondence that was submitted to the Revdex.com (Revdex.com), Metro Washington DC and Eastern PennsylvaniaThe Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander), which we received on July 20, As a representative of the Bank, 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 you are a non-Santander Bank customer and you attempted to withdraw funds at a Santander Automated Teller Machine (ATM), but funds were not disbursedHowever, since you are not a customer of Santander, we are unable to research your transaction because your bank would have to provide us with the information necessary to research your claimWhile we can sympathize with your situation, we will need to refer you to your financial institution in order to file a claimPlease contact your financial institution shown in your account statement or on the back of your ATM card and they will be able to help you file a claim about this transaction so that it can be researchedWe apologize for any inconvenience this matter has caused you, and 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, you may contact Adrienne P [redacted] , a Customer Relations Representative, at ###-###-####Sincerely, Joann G Vice President and Manager, Customer Relations

September 4, Dear [redacted] : Thank you for your additional inquiry to the Revdex.com (Revdex.com), Metro Washington DC and Eastern Pennsylvania, in regard to this matter We received a copy of your latest correspondence from the Revdex.com on August 26, I was again asked to respond on behalf of the Bank It is my understanding that your concerns relating to this matter remain and that you are requesting photographs from the Automated Teller Machine (ATM) where the transaction in question occurred Again, we sympathize with your situation, however, the process to resolve an ATM dispute such as this is a federally regulated procedure that is utilized by financial institutionsATM disputes must be filed with the issuer of the card that was used for a disputed transaction, not with the institution that owns the ATM where a disputed transaction occurredFor example, if the Same identical transaction took place at an ATM owned by a different bank, you would still be required to initiate a claim by contacting the institution that issued your cardIf a credit to your account is warranted, the financial institution that issued the ATM card would provide you Such creditTherefore, if you desire this matter investigated, you must contact the issuer of the ATM card that you used for the transaction in question and file a claim with that financial institution, and then provide whatever documentation is requested for your claimA telephone number to contact your card issuer should be on the back of your ATM card as well as on any periodic statements that you receive for the account that the card is linked toThank you for allowing us the Opportunity to address your additional concernsIf you have further questions regarding this matter, you may contact Lance S [redacted] , a Customer Relations Representative, at ###-###-####Sincerely,Joann GVice President and Manager, Customer Relations

July 29, 2014Dear [redacted] :Thank you for your July 18, inquiry that was submitted to the Revdex.com of Metro Washington D.Cand Eastern Pennsylvania (Revdex.com)We received your inquiry from the Revdex.com on July 23, As a representative of the Bank, I was asked to respondWe appreciate your inquiry and the opportunity to look into this matter to assist youIt is our goal at Santander to carefully review matters raised by our customersIt is my understanding that you have concerns related to an account that your daughter opened at age 16, on which she incurred overdraft fees, understand that you feel the Bank should not have permitted her to open an account by herself at age and Subsequently, you have requested a refund of the overdraft fees on her behalfFirst and foremost, on behalf of the Bank, I wish to extend my sincerest apologies for the experience that you described, as well as for any inconvenience this matter causedPlease know that it is our desire to address the concerns that you have raisedHowever, based on the information provided in your correspondence to the Revdex.com, we were unable to ascertain your daughter's name or account number, We were also unsuccessful in reaching you by telephoneAs a result, we have been unable to review this matter in detailUpon your receipt of this letter, if you would kindly contact us to provide us with additional information Such as your daughter's name or the account number in question, we would be pleased to look into this situation furtherPlease feel free to contact Lance S [redacted] of our Retail Network Relations Department at ###-###-#### at your earliest convenience to provide this informationAfter we are in receipt of additional information needed for us to research the concerns you raised, we will investigate the situation and communicate a resolution in a timely mannerThank you for taking the time to share your concerns and for presenting us the opportunity to review this matter for you and your daughterAgain, we regret the experience you have described.We look forward to speaking to you soon and to bringing closure to this matter for you.Sincerely,Ann G [redacted] Vice President Customer Relations

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

July 7, Dear [redacted] ***:Thank you for forwarding Santander Bank, N.Ainformation related to the above mentioned customer.Below please find a summary of our recent contact with ** [redacted] regarding his concerns.On July 1, 2014, [redacted] , District Executive, spoke with ** [redacted] by telephone regarding this matter, ** [redacted] was offered an apology for the experience he described and was informed that in consideration of the situation, the $25,Refer-a-Friend bonus in question would be provided to him, ** [redacted] indicated he was satisfied with the resolution of this matter.The $bonus was credited to ** [redacted] 's account the following day, July 2, 2014.For purposes of clarification, it should be noted that the Bank was not running a 'Refer-a-Friend' promotion at the time the account in question was opened by ** [redacted] 's acquaintance, Our review of this matter concluded that ** [redacted] may have been anticipating the bonus based on the fact that the Bank had offered this type of promotion in the past, rather than based on any conversations he had with representatives of the Bank at the time the account in question was opened.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: We have not been able to resolve the issue 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 PennsylvaniaThe Revdex.com forwarded Santander Bank N.A(Santander) a copy of your inquiry, which we received on August 11, 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 youIt is our goal at Santander to thoroughly review matters raised by our customersFirst 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 processPlease be assured that this situation has been reviewed and addressed by the appropriate management personnelIt is my understanding that you have concerns related to your Home Equity Line of Credit ending in ***Specifically, you are questioning the APR (annual percentage rate) on the accountYou 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% APRIn 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 expiredIn order to have been eligible for the introductory rate, an application was required to be submitted no later than March 31, In addition, to get the introductory APR, the credit line requested needed to be between $100,to $750,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 qualifiedThe 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,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] BranchIn doing so, it was made clear to you at that time, that the HELOC was not eligible for the introductory 2.24% APRWith 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 processSpecifically, you referenced an unexpected $fee, an appraisal that was completed on the wrong property, and errors with the dates that appeared on the loan documentsThe $fee in question was for the release of the lien associated with your previous LOC, and this fee was ultimately covered by the BankWith regard to the appraisal and document date errors, understand that both matters were corrected in a timely mannerAgain, on behalf of the Bank I sincerely apologize for these errorsThank 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 ###-###-####Sincerely,JoAnn G Vice President Customer Relations

July 3, Dear [redacted] ***:Thank you for June 23, letter addressed to the Revdex.comYour letter was provided to me on July 2, 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 youIt is our goal at Santander Bank, Nto provide exceptional customer service and to thoroughly review matters raised by our customers.You stated in your letter that you are questioning insufficient funds fees that were assessed to your checking account, ending in numbers ***In accordance with federal regulations, we are not permitted to charge insufficient funds fees for overdrafts created by Automated Teller Machines (ATM) and one time debit card transactions unless the consumer authorizes us to do soIf consumers do not authorize us to charge these fees, we typically decline these transactionsWe call the product for the payment of ATM and debit card transactions that overdraw an account the Santander Account ProtectorYou elected to "opt-in" to the Santander Account ProtectorThis means that we may authorize and pay one time debit card purchases and ATM withdrawals you make and charge insufficient funds fees even if you do not have sufficient funds in your checking accountThe Personal Deposit Account Agreement (PDAA) also provides information in reference to insufficientfunds fees, on pages through 16, under the following headings:“OVERDRAFTS AND UNAVAILABLE FUNDSAVOIDING OVERDRAFTS”The account became overdrawn in June because transactions were presented to the account, which exceeded the available balance in the checkingFor your reference, I have enclosed your June checking account Statement, Federal regulators require that we track accounts with excessive overdraft and/or unavailable funds feesAs a result, an account that has been assessed $or more in fees, during the course of one month, falls into this categoryIt is for this reason that if you have not already received it, you will receive a letter informing you that on July 16, 2014, we will begin to generally decline most transactions presented to the account, when the balance is not great enough to cover the itemYou have the ability to change your election to be "opted-out" of Santander Account Protector and we would encourage you to do soBy changing your election we will generally, no longer pay ATM withdrawals and one-time debit card purchases when there are not sufficient available funds in your accountPlease note that if we do pay them, which we may be required to do under certain circumstances, we will not assess insufficient funds feesWhile we can certainly understand your frustration in this matter, the fees that have been assessed to the account are correctAs a courtesy, three (3) fees were refunded on June 24, The remaining fees will not be refundedThank 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 [redacted] or your local branch.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,

May 9, Dear ** [redacted] :Thank you for your April 21, letter addressed to the Revdex.comYour letter was forwarded to Santander Bank, N(Santander) on May , 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 youIt is our goal at Santander to provide exceptional customer service and to thoroughly review matters raised by our customers.You stated in your letter that it was your understanding that a minimum credit score of is needed in order to be approved for a Home Equity Line of Credit (HELOC)You believe that your score meets this guideline, yet you were denied twiceWe received your HELOC applications, which are numbered [redacted] and [redacted] As noted in the Adverse Action letters that were mailed to you, both applications were declined because of issues related to your credit report For application number [redacted] , [redacted] provided your credit score as and on application number [redacted] , [redacted] provided your credit score as Based on your letter, you indicated that you were under the impression that our minimum score requirement was It is important to note that we have different score requirements for a variety of products, which are unpublishedIf you were quoted a minimum score by a Santander team member, please accept my apologies, as that should not have occurredYou indicated that when you ordered a copy of your report directly from [redacted] , your score was points higherIn reviewing the calls we had with you, we offered to review that report and compare it to what was provided to us by [redacted] In fact, our fax number was provided to you in order for you to forward your reportTo date, we have not received the report, but are still willing to make that comparison should you choose to provide us with your copySince you agreed to submit both applications, the inquiries on your credit report are valid and will remainThere was no discriminatory act regarding the decline of either applicationThe reason that you were denied was due to the fact that you did not meet our minimum underwriting requirements, Lastly, your concerns regarding the Cranston Branch Manager were forwarded to the appropriate Inanagement team for reviewWe are sorry to learn that you feel you did not receive adequate service from herHowever, the team members in the branch often have to deliver unfavorable decisions to our customers, for which they have no controlWe have taken your comments seriously and will work to deliver more favorable experiences going forwardPlease accept my apology on behalf of Santander Bank, Nfor any inconvenience you have experiencedThank 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] a Consumer Loan Operations Customer Service Coordinator, 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,

Dear [redacted] ***:Thank you for the correspondence you submitted 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 December 12, As a representative of the bank, I have been asked to respond.We appreciate your inquiry, as providing exceptional customer Service is our goal at Santander, please be assured that we have carefully researched this matter in order to assist youIt is my understanding that you have concerns regarding your Business Checking account, which was closed and reported to [redacted] under your personalinformation-First and foremost, I would like to apologize for any inconvenience or frustration this matter may have caused you| can assure you that these concerns have been communicated to the appropriate management teams to ensure a more positive experience for customers.Our records indicate that your account ending in [redacted] became overdrawn on December 28, The Bank typically allows an account to remain overdrawn for thirty-five (35) days before the account is closed with a negative balanceOn February 5, 2013, the account was closed with a negative balance of $Our records do not indicate that the negative balance was caused by fees relating to an equipment rentalSantander reported the closure of your account with a negative balance to [redacted] , a consumer reporting agency governed by the Federal Fair Credit Reporting Act (FCRA).in researching your concerns you have presented, we have found that you were incorrectly identified as a sole proprietor although a limited liability company as indicated as the account ownerAs a result of this error, the derogatory information that was reported to [redacted] under your personal information has been removed on December 16, Please note that the negative balance history for [redacted] ***, under the business taxpayer identification number for that entity, will remain with [redacted] for up to five (5) yearsfrom the date the account was closed, which was February 5, 2013.Thank you for taking the time to bring this matter to our attention and for giving me the opportunity to address your concernsIf you have any questions regarding this matter or you wish to discuss the matter further, please feel free to contact Aleda H***, Customer Relations Representative at [redacted] .SincerelyJoAnn G***Vice President Manager Customer Relations

Thank you for your January 12, correspondence, submitted to the Revdex.com (Revdex.com) Metro Washington DC and Eastern PennsylvaniaThe Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on January 16, 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 you filed a credit card claim in the amount of $3.34, as a result of the merchant, [redacted] **, failing to deduct a $coupon at the close of the saleYou are looking for your credit Card ending in ***, to be credited the full amount of the transaction amount, which is $Please be aware that claims may be filed on fraudulent transactions, however, chargebacks involving dissatisfaction with the merchant, merchant return polices or merchandise, are not covered by card regulationsThe Bank is not able to chargeback a merchant for a coupon that may have not been used during a purchaseAs a result, your claim [redacted] , which was filed on December 23, 2014, in the amount of $against the merchant [redacted] **, was denied on January 7, 2015, and a subsequent letter notifying you of the final outcome was mailed to you on January 8, A second claim for the above disputed transaction was filed on January 12, Although we were not obligated to pay this claim, we credited your account on January 14, for $After reviewing this claim we determined that we should have only paid the amount of the coupon that was not applied in the amount of $However, we have decided not to reverse the difference of $and the $credit will remain finalA letter reflecting the final outcome of this claim was mailed to you on January 15, For your review, I have enclosed a copy of the determination letterThank 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, you may contact Anthony C [redacted] , Customer Relations Representative at ###-###-####Sincerely, JoAnn G***Vice President Manager Customer RelationsCC: Revdex.com, Metro Washington DC and Eastern PennsylvaniaAnthony C [redacted] , Customer Relations Project Analyst/Santander Bank, N.A.Enclosure

[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]

[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 have requested a refund for overdraft fees totaling nearly $ Santander has indicated they "mailed" notifications for each of the overdraft instances they allowed through By the time these notifications were received, the damage was done, conveniently enough The bank has my phone number The bank has my emailAlerting me by either of these methods would have allowed me to discontinue using my card, and address the issue Instead, notification were mailed, and I was not made aware of the situation until more than a week later, in the meantime, the bank continued to charge ridiculous fees to the tune of hundreds of dollars over the course of just a few days One declined transition would have alerted me to contact the bank Instead they allowed the transactions to continue, while charging me exorbitant feesThis matter is not resolved In this age of cell phones and emails, "mailing" these notifications is unacceptable Assuming I do not receive a credit for the overdraft fees I will be ending my more than decade long relationship with this bank, and advising anyone I know to steer clear because of ethically questionable practices like this Regards, [redacted]

[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]

April 29, Dear [redacted] ***:Thank you for your April 10, correspondence submitted to the Revdex.com (Revdex.com)The Revdex.comforwarded your inquiry to Santander Bank, N.A(Santander) on April 22, 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 you are questioning an unavailable funds fee that was assessed to your checking account ending in numbers ***Specifically, you noted that you have been unable to get the fee refunded when you previously contacted the branchIn reviewing your checking account, the unavailable funds fee that was assessed to your checking account on February 9, 2015, was assessed in errorThe system issue which caused the unavailable funds fee to be assessed to your account was corrected on February 18, We have refunded the $fee that was assessed to your accountThe refund will appear on your next monthly statementWe are also refunding the fee to all other impacted customersOn behalf of Santander please accept our apologies for the inconvenience and for the branch not previously assisting you with refunding the feeYour comments in regard to the branch have been forwarded to the appropriate management personnel for further reviewThank 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 MsJen S [redacted] , a Customer Relations Representative, at ###-###-####Sincerely, JoAnn G