Santander

April 28, Dear ***:Thank you for your recent correspondence that was submitted to the Revdex.com (Revdex.com) on April 11, The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on April 14, 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.Although a Bank error has not occurred, as a courtesy, we have credited your account $You will see the credit as an adjustment on your next monthly statementNo further compensation will be forthcoming in regards to this matter.It is my understanding that you expressed concern regarding your checking account ending in ***You indicated your account recently incurred four (4) fees following a recent check depositYou also indicated that when you contacted your local branch, you received less than satisfactory service when you requested to be provided a refund for the fees that your account incurredLastly, you requested that the Bank provide you’re a refund in the amount of $140.00.In researching the concerns that you presented, we found that on Saturday April 5, 2014, the beginning balance of your account was $On that same day, a check deposit in the amount of $ 3,was credited to your accountAlthough the deposit was posted to your account, the funds from the check were not yet available to pay items that were presented for payment against your account.In accordance with Santander’s Funds Availability Policy, $from your check deposit of $3,made on Saturday April 5,was available for you to use on April 8, The remaining funds from the check deposit were made available for your use on Wednesday, April 9, It should be noted that when a deposit is made, the receipt that is provided to you at the time you make a deposit reflects the available balance of the account, including any funds that may be immediately available from the depositEight (8) items, totaling $272.73, were presented for payment against your account Monday, April 7, The ending balance in your account that day was $The beginning balance of your account on Tuesday, April 8, was $On that same day, four (4) items totaling $3,were presented for payment against your accountBecause the items were presented against unavailable funds, your account was assessed four (4) unavailable funds feesThe ending balance for your account that day was -$2,325.49.To help assist you in determining the availability of deposits you make, for your convenience, enclosed are copies of our Personal Deposit Account Agreement (PDAA) and a Personal Deposit Fee Schedule (PDAFS), which were provided to you when your checking account was openedThe Funds Availability Policy can be found beginning on page of the PDAAThe Funds Availability Policy is also on display in our branch locations at the teller line, where deposits are acceptedAs provided by applicable federal law, the Bank is permitted to delay making the funds from a check deposit available to enable the Bank time to collect the check before the proceeds are made available to the customer.I am also enclosing a Simple Facts brochure for your Santander Preferred Checking account, which also explains how fees are assessed to your account, in a simple and straightforward manner.Your concerns regarding the level of service that you received from our [redacted] branch location have been forwarded to the management of the appropriate area in order to ensure a better experience for our customers in the future.The fees that were assessed were correct and a bank error did not occurAs mentioned above, we have agreed to waive half the fees incurred in the amount of $No further fee refunds will be forthcoming.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 visit 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 futureSincerely,

June 17, Dear *** ***:Thank you for your most recent correspondence addressed to the Revdex.com Metro Washington DC and Eastern Pennsylvania dated June 9, Your letter was forwarded to Santander and received on June 11, As a representative of the bank, I have been asked to once again respond.We are in receipt of your rebuttal to our original letter dated May 12, It is my understanding that you are still disputing your enrollment into the Santander Account Protector because we are unable to provide you with written proof of your consent.First and foremost please allow me to clarify the difference between the Santander Account Protector and Santander overdraft protectionSantander Account Protector is the product that allows the Bank to authorize and pay on a discretionary basis, Automated Teller Machine (ATM) and one time debit card transactions and charge the applicable fees for each transaction that is presented against insufficient funds per business day, much in the same manner that we allow checks to overdraw an accountSantander’s Overdraft Protection is a product that allows the Bank to automatically transfer funds from a linked account to your checking account to cover any overdrafts with only being charged one (I) sweep fee per business day in order to avoid overdraftsContrary to what you have stated in your rebuttal, overdraft protection is necessary if you are opted in to Santander Account Protector if you wish to avoid receiving multiple fees.As stated in my previous response, at the time you opened your savings account ending in *** we did not have to collect signatures when a customer made a selection for the Santander Account Protector Product, It is for this reason that we cannot provide the “proof’ you are requesting.However, after a final review of your account history since your opt in election on October 14,we have found that you overdrew your account on multiple occasion and received the applicable fees with no record of you disputing either the overdrafts or the fees until your most recent overdraft in April We do have a record that you “opted out5’ of the account protect on April 3, and is for this reason that we have provided you with a courtesy fee waiver in the amount of $280.00, which represents seven (7) insufficient funds fees and one (1) sustained overdraft fee your account incurredThis credit 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 themIf you have any additional questions, in regard to this matter, please feel free to call the Customer Contact Center at ###-###-#### or your local branchSincerely,

Thank you for contacting Santander Bank, N.A(Santander) regarding the above mentioned customer issueEnclosed you will find a copy of our correspondence dated November 28, addressed to Ms***Please retain this information for your records.Should you require further
assistance, please feel free to contact me at ###-###-####.Sincerely,Adrianne L*** Corporate Complaints

[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: ***
I am rejecting this response because: I should have received my reward points when my statement closed and generated on November When I signed up for this promotional offer this information was not provided to meIn addition, I continue to receive conflicting information as to when I should actually receive my pointsMy account should have already been credited my 30,points back on November
Regards,
*** ***

April 22, Dear ***:Thank you for your recent correspondence that was submitted to the Revdex.com (Revdex.com) on April 1, The Revdex.com forwarded your inquiry to Santander on April 8, 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 provide exceptional customer service and to carefully review matters raised by our customers.It is my understanding that you expressed concern regarding your mortgage account ending in ***You indicated that you were not informed that your mortgage account was soldYou also indicated that two (2) months of your mortgage payments were not applied to your mortgage which resulted in foreclosure action on your propertyYou mentioned that you were granted a loan modification which altered your payment due date from the 19th of every month to the 1st of every monthYou also mentioned that you receive disability benefits after your payment due date which hinders your ability to make your payment before the expiration of your grace periodAdditionally, because you are unable to make your payment prior to the expiration of your grace period, the Bank has assessed late fees to your mortgage accountFinally, you requested that your payment due date be altered in order to avoid future late fees.In researching the concerns that you presented we found that your mortgage account originated with ' Decision One Mortgage Company on October 14, Your mortgage account was then sold to Santander Bank, N.A., formally known as *** Bank, on December 19, For your review, enclosed is our Notice of Servicing Transfer Rights letter dated December 20, that was mailed to you.Our records indicate that you were granted thirty (30) day Extension Agreements for your mortgage account on January 10,and January 22, You were provided a loan modification on December 1, for your mortgage accountBy signing the loan modification documents, you agreed to the terms and conditions of the loan modificationOne condition of the loan modification was that your payment due date would be altered from the 19th of every month to the 1st of every month.You stated in your correspondence that two (2) payments were not applied to your mortgage account which resulted in foreclosure proceedings for your propertyIf you have record of payments) that were received by the Bank and were not applied to your mortgage account, we ask that you supply the Bank with the payment information, preferably a copy of the front and back of the cancelled check (s)If after our research, we find that a payment(s) was received and not applied to your mortgage account, we will credit the payment(s) to your mortgage accountOur records do not reflect that the Bank initiated the foreclosure process for your property.In order to alter your payment due date from the 1st of every month, you are required to complete a financial packageA financial package has been mailed to you under separate cover on April 17, Upon receipt of the financial package, please complete the documents and return the required information to the BankAfter a complete package is received by the Bank, the financial analyst will have thirty (30) days to review and respond to your request.Please return your completed financial package to the following address:Santander Bank, N.A.Loss Mitigation Mailcode* *** *** *** *** *** ** ***Thank you for taking the time to share your concerns and for allowing me the opportunity to address your concernsIf you have any additional questions, in regard to this matter, please feel free to contact Steve Fisher, Manager of the Loss Mitigation Department at ###-###-####.Sincerely,

Bait and switch tactic with their money market savings account - the offer is 0.9% if you have a balance over $10, There is no mention whatsoever of this being a promotional rate - it says subject to change in the fine print like any financial offer I opened an account and after months they dropped my rate and when I called they advised me it was a promotional offer I asked specifically when I opened my account and I was told it was not a promotional offer, no where on their website, in the fine print or on the paperwork does it state it is a promotional offer This should have been clear They are still offering the same rate and there is no mention of it dropping after months

May 13, 2014Dear *** ***,Thank you for your correspondence submitted to the Revdex.com of Washington DC and Eastern Pennsylvania (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on April 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 youIt is our goal at Santander to provide exceptional customer service and to carefully review matters raised by our customers.First and foremost, I sincerely apologize for the inconvenience that this matter may have caused youAt Santander, we take these issues very seriously and work hard to deliver exceptional service to our customers.In your correspondence you stated that you called the Bank of obtain a payoff for your Line of CreditYou stated that after making the payment that you were quoted over the telephone, you received another bill which indicated that you still owed a balance.In an effort to assist you, we reviewed the recorded calls that took place with our Customer Contact CenterOn March 16,you requested a payoff balance for your Line of Credit ending in ***The advisor that you spoke with from the Customer Contact Center stated the total amount outstanding as of March 16, was $2,At your request, a transfer order to debit your checking account ending in *** for $2,to pay down your Line of Credit was submitted by the agent with instructions to keep the account open.On April 12, 2014, you called the Customer Contact Center again to inquire about a bill that you received showing an amount due on your Line of Credit account for $Since the $2,payment was made in the middle of your statement billing cycle, which runs from the third (rd) of one month through the second (2nd) of the next month, additional interest accrued on the account on your next billing from March through April The total accrued interest for this period was $16.20, which is the amount that appears on your April Statement of AccountOur research concluded that, unfortunately, the agent you spoke with on March 16, did not follow the correct procedures for quoting the payoff amount due on your account, which is why the outstanding interest amount was not included.After your March payment of $2,was applied, it was found that you overpaid by an amount of $ The overpayment of $ was applied to your April billing leaving a remaining balance due of $Our records indicate that you paid this amount on April 15, 2014, bringing your Line of Credit account to a zero balance.In reviewing your concerns, we have decided to refund $of interest paidEnclosed you will find Official Bank Check number ***.We sincerely apologize that we.did not provide you with the exceptional level of service that you deserveWe have shared your concerns with the appropriate management team so we can deliver a better experience in the future.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 *** *** of the Customer Relations Department at ###-###-#### at your earliest convenience and request to speak with a supervisor.Sincerely,

In response to the complaint, the transfer of $66,was made to get 3% interest and that was the only conversation made No mention of a year CD or a 9% penalty $was missing from the account and when I complained and asked where is the rest of the money, John L*** said it
was in a separate account.When I started to complain he gave me a check for the $and I also wanted to back out, that's when I was informed of the 9% penalty Jim said " to late".and I said what if *** dies, and Jim said " oh well" and shrugged his shoulders *** is years old and would never get a year CD I feel that this is Elder Financial Abuse No papers were given until the waiver period passed Only one signed paper was given by Bonnie Gallagher when I complained in October I want that money returned to the bank as a one year CD without penaltySincerely,
*** ** ***
*** ** ***

[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: ***
I am rejecting this response because: $per overdraft is completely unreasonableExactly how does Santander justify $per overdraft? What exactly is it that Santander bank does that is deemed eligible to charge $per overdraft? They don't pay out any money on my behalf, so what does the $per overdraft represent? In addition, Santander has since easily halted any withdrawals from my account, could they not have just as easily halted withdrawals BEFORE charging me $for overdrafts? Yes, they could have
Regards,
*** ***

August 27, Dear *** ***:Thank you for your August 5, correspondence submitted to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A, (Santander) on August 11, 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 my understanding that you are requesting a refund of all insufficient funds fees assessed to your checking account ending with *** for the last three (3) months.In an effort to further discuss this matter, I attempted to contact you on August 22, but was unsuccessfulI was calling to notify you that your checking account ending in *** was closed on August 21, 2014, as your account balance had remained negative for thirty (30) consecutive daysYour account was closed with a balance of negative $642,13.As a courtesy, we will credit your checking account in the amount of $642.13, in order to bring your account balance to zeroHowever, your account will remain closed.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, please feel free to contact Talia C***, Customer Relations Project Analyst at * ***.JoAnn CVice President
Manager Customer Relations

July 24, 2015Dear *** ***:
Thank you for your recent correspondence submitted to the Consumer Financial Protection Bureau (CFPB)The CFPB forwarded your inquiry to Santander Bank, N.A(Santander) on July 17, On July 20, 2015, we also received your July 15, letter
addressed to the Revdex.com (Revdex.com)As a representative of the Bank, I have been asked to respond to both letters.We appreciate your inquiry and can assure you that this matter has been carefully researched in order toassist youI understand that you are questioning the 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 and charging insufficient funds fees the "Santander Account Protector"You are "opted-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), which is enclosed, also provides information in reference to insufficient funds fees, on pages through 17, under the following headings:a $insufficient funds fee was assessedFollowing this a $direct deposit was received on June 25, 2015, bringing the account balance positive to $Two (2) ATM withdrawals for $each posted on June 26, 2015, where an insufficient funds fee was assessed for the Second withdrawalSince that time the account has been overdrawn with the appropriate fees assessed for the debits that have been presented.Santander 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, your account was assessed a $35,sustained overdraft fee on July 6, 2015.As a courtesy, two (2) $fees were refunded on July 14, As an additional and final Courtesy, we are in the process of refunding an additional two (2) feesThe $credit will appear on your next monthly StatementNo additional insufficient funds fees will be refunded in relation to this matter.It is important to note that we have the ability to stop any transaction that will overdraw your account by establishing an "all debit opt out"In an effort to minimize fees, we have placed this option on your checking accountBased on this change, any transaction that will overdraw your account will be denied going forward.We would also strongly encourage you to track all your transactions so you know what your balance is and which transactions have posted and which are still outstanding by using a check register in which you enter your transactions and keep a running balanceIn addition, Online Banking and Mobile Banking are easy to use and allow you to check your balances and transactions at any timeYou can also use Telephone Banking or an ATM to obtain account information.Thank you for taking the time to share your concerns and allowing me the opportunity to address themYou are a valued customer and we appreciate that you have chosen to bank with USIf you have any additionalquestions in regard to this matter, please feel free to call Jen Scaffidi, Customer Relations Representative, at ***Sincerely,Jo Ann GVice President Manager, Customer Relations

My father had santander credit card I was harassed as I was trying to report his death All other credit card companies verified death via social security office These people needed me to fax a letter and a death certificate Then they said they never received the fax which is ridiculous that they would lose personal information like that Once faxed a second time, they did receive it After that, they would not speak to me because I was not a verified person on the account They asked for my social security number although I was not on the account They refused to even let me know if the death certificate was in the right department when I was the one to send it! This is a horrible process of verifying death to close an account It's one that puts undo stress on the family who is already suffering from a harrowing loss This system MUST be changed!

Thank you for your February 27, inquiry to the Revdex.com of Metro Washington DC and Eastern Pennsylvania (Revdex.com)The Revdex.com forwarded us your inquiry, which we received on March 9, As a representative of the Bank, was asked to respondWe appreciate your inquiry and can
assure you that we have carefully researched this matter in order to assist youYour correspondence presented concerns about an annual fee that was assessed to your Line of Credit ending in after you requested it closed, and the difficulty that you encountered when attempting to obtain a refund of the fee.On behalf of the Bank, I would like to offer my apologies for your experience as well as for any inconvenience you have encountered as a result of this matterThe level of Service you described is not at all consistent with our expectations.Based on the information that you provided in your correspondence and our review of the situation, it appears to us that human errors occurred in the handling of your request to close your Line of CreditPlease be assured that this situation has been reviewed and addressed by the appropriate management personnelA refund check in the amount of the $annual fee that was charged to the Line of Credit on July 18, is forthcoming to you under separate coverIn addition, please also accept this letter as Confirmation that the Line of Credit is closedThank you for taking the time to share your concerns and for allowing us the opportunity to address themYou are a valued customer at Santander BankWe were disappointed to hear that you closed your account relationship with U.SPlease know that it would be our pleasure to have the opportunity to restore your faith in us once again and to assist you with any financial needs that you may have, now or in the future.
Should you have any additional questions or concerns in regard to this matter, you may contact Santander District Executive, Howard E***MrE*** Can be reached at *** Sincerely,JoAnn G***
Vice President Customer RelationsCC: Howard E***, District Executive/Santander Bank, N.A

August 17, 2015Dear *** ***:Thank you for your July 28, 2015, correspondence submitted to the Revdex.com (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on August 3, 2015, and as a representative of the Bank, I have been asked to
respond.it is my understanding that you have several frustrations, such as closing your line of credit account number ending in ***, requesting a $insufficient funds fee you were not reimbursed for, in addition to Concerns regarding certified funds that were sent to a previous address on file for you.In an effort to completely understand and further discuss your concerns, we attempted to contact you via telephone on several occasions, however, our attempts to reach you were unsuccessfulIn order to properly research and address your concerns, additional information is needed, such as, the date the events took place and the specific details of the situation you described in your letter.As you requested in your letter to the Revdex.com, the Unsecured Line of Credit ending in *** has been closed.We encourage you to contact the Bank so we can discuss this matter and attempt to assist in resolving your concernsPlease feel free to contact MrAnthony C*** in our Customer Relations department, at ###-###-####Thank you for taking the time to bring your concerns to our attention, we look forward to speaking to youSincerely,JoAnn GVice President Manager Customer Relations

November 30, Dear *** ***Thank you for your November 17, 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), which we received on November 20,
As a representative of Santander, I have been asked to respond.We are sorry to learn that you have concerns regarding your Santander Credit Card account ending in numbers ***It is my understanding you met the requirements of a new account promotion to receive 30,Reward points, however, you have not been awarded the pointsOn behalf of Santander, offer my apologies for any inconvenience you experienced in relation to this matterPlease be assured we have thoroughly reviewed your concerns in order to assist youReward points are credited to an account in the month after Rewards are earnedOur records show that you met and fulfilled the $1,minimum purchase requirement in November 2015, therefore, your Reward points will be rewarded in December 2015, and they will appear on your next credit card StatementThank you for taking the time to share your concerns and for allowing us the opportunity to address themIf you have any additional questions in regard to this matter, you may contact Lance S***, a Customer Relations Representative, at ###-###-####Sincerely,
JoAnn G
Vice President Manager, Customer Relations

April 24, Dear *** ***:Thank you for forwarding Santander Bank N-Ainformation related to the above-mentioned customer.Below please find a summary of our recent contact with *** regarding his concerns:On April 18, 2014, *** was contacted by
*** ***, Manager of our *** *** Branch, who assisted *** with his concerns*** was offered an apology for the delay that he experienced in having this matter addressed, as well as for any inconvenience that the situation caused him*** was also informed that the refund of the checkbook fee in question ($29-20) was credited to his account that same day.*** appreciated ***'s call and indicated that he was satisfied with the outcome.Thank you for allowing us the opportunity to address this matter.Sincerely

January 20, 2016Dear *** ***:
Thank you for your December 31, inquiry Submitted to the Revdex.com Metro Washington CD and Eastern Pennsylvania (Revdex.com)The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) On January 7, and as a representative of
Santander, I have been asked to respond.We are sorry to hear that you had an unpleasant experience regarding your attempt to withdraw funds from your Individual Retirement Account (IRA) Money Market ending in ***On behalf of Santander, I would like to offer my sincerest apology for the service you received from the staff at the Egleston Square branch, and for any inconvenience you encountered as a result of this incidentPlease be assured this matter was brought to the attention of the appropriate management personnel in order to provide a better customer experience in the futureIn researching this matter, we found that a block was placed on the account on July 9, due to inactivity for more than one yearWe removed the block from your account on December 31, and there was a one-day processing period before the funds could be withdrawn once the block was removedThe funds were available for withdrawal on January 4, We understand that this process was not fully explained to you and we have addressed this with the appropriate management team to provide better Service in the futureIn order to conduct the transaction, please feel free to visit the Egleston Square branch and the branch personnel there will be happy to assist youWe hope that we have resolved all of your concernsIf you have any additional questions in regard to this matter, you may contact Adrienne P***, a Customer Relations Representative, at ***Sincerely,
JoAnn GVice President and Manager, Customer Relations

April 9, 2014Dear ***:Thank you for your March 18, letter addressed to the Revdex.comYour letter was forwarded to Santander Bank on March 27, 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.You stated in your letter that a balloon payment was due on your Home Equity Line of Credit (HELOC) account and you provided funds to pay off the line, only to find that the payoff amount was short As a result, you would like an explanation as to why you owe additional funds.Your HELOC had a maturity date of March 1,2014, as indicated on the HELOC Agreement, which is enclosed.On February 19, 2014, we received a certified check for $23,919.21, which accounts for the principal balance on the payoff statementThe payment was applied as follows:Amount Description$28.38 Interest$23,890.83 PrincipalLet me take a moment to explain the interest owedA bill was generated for the period of February 3,through February 10, The payoff statement notes that for the eight (8) days in the billing cycle, $was due for interestThe payment that you provided on February 19, satisfied this interest amount owed.We received a $payment on February 22, 2014, which satisfied the remaining principal balance.On February 28, 2014, we received your payoff request, which was processed the same dayThe payoff statement, which is also enclosed, indicated that $24,was necessary to pay off the line.The next bill was for February 11, through March 12, For this day cycle, $was due in interestBecause the interest of $and the satisfaction fee of $had not been paid, a short payoff letter was generated on March 12,The letter, which is enclosed, indicates a total amount due of $57.24.On March 24, 2014, we received your $payment and applied to the funds to the line in order to close the account.We are sorry if you felt this was predatory lending, as that was not the caseWe were simply adhering to the HELOC Agreement that you signed in Since the remaining funds were needed to pay off the HELOC, a refund will not be forthcoming.Please accept my apology on behalf of Santander Bank, N.Afor any inconvenience you have experienced and for the fact that you were not able to receive this information during prior inquiries.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 the Customer Contact Center at ###-###-#### 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,

[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: ***I am rejecting this response because:There is no offer of any sort from Sandander Bank, for inconveniencing me by blocking my access to my checking account to buy airline ticket to return to *** for days and pay for my accommodation in the meantime
Additionally the Santander SA letter represents misrepresentation of facts, specifically !denying the fact that Santander Bank withheld double amount ($400) of cash advance ($200) that put my account in overdrawn, ruining my bank credit records
It was not simply putting $advance on hold for $days, but putting double of $that is $on hold
The hold up was for days not days
3.I contacted Santander Bank a day before removing the hold up and as per the letter Santander Bank agents, of which I spoke with, had authority to remove the hold up especially knowing I was travellin in Florida, needed to buy my airline ticket and pay for my accommodationThey did nothing, including branch Manager ***, *** *** who left Friday home leaving me with no access to funds, hunging up on me practically stating she would call me when she "finish" her reseach, which she did Monday night well after the weekend, with no information whatsoeve, any more that I gave her three days prior
The hold up on my account had nothing to do with *** where I had cash advance of $200, It happens to me over the last years , since November 2012, with dealing with many different banksIt is not *** Bank giving inconsistent information toSAntander Bank, but Santander BAnk itself who is in fault
The authorization number is missing on second transaction of additional $put on hold by Santander Bank after withdrawing first $that has authorization numberIt is too bad the Santander BAnk still did not reasearch this complaint correctly and denies
The double $that is additional hold up of $with no authorization number is unauthorized and illegal therefore transaction as I had it researched with *** *** back in November since when Santander Bank first and still now keeps doing those illegal holdups transactions
I consider Santander Bank further misrepresenting the issues including the answers which are not trueSantander Bank denials further undermines its credibility of its services to public sector and I will report Santander Bank to regulatory agencies for illegal holding up of funds on my advance cash transactions and ruining my bank credit by putting me in overdrawn, regardless lack of penalty for itAlso Santander Bank put me in severe hardship as well as emotional rallacoster by statements the additional hold up was caused by Trust Bank as well as threatening me those funds might be subject to investigation
I flatly reject Santander Bank letter due to its inaccuracies and lack of any good will by lack of any offer for inconvenienceIt shows lack of accountability for its disservice to the public
*** ***
Regards,*** ***

December 2014,Dear *** ***:
Thank you for your November 14, correspondence submitted to the Revdex.com (Revdex.com) The Revdex.com forwarded your inquiry to Santander Bank, N.A(Santander) on November 17, 2014, and 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 inquiring about a credit in the amount of $that was sent to your closedSantander Credit Card ending in *** from ***You stated that you were advised by a Santander - Representative that if the card was closed, the credit would be returned to ***You have been attempting to recover the returned funds without successFirst and foremost, we would like to offer our sincerest apology for any inconvenience that you experienced as well as the length of time that it has taken to resolve this matter for youAs providing exceptional service is our goal atSantander, 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 futureIn researching the concerns you have presented our records indicate that *** sent a credit in the ???unt of $to your Santander credit card ending in *** on November 4, However, your credit card was Cancelled when the reimbursement was received from ***The credit was not returned to *** and upon further research we were able to locate the missing fundsEnclosed you will find Official Bank Check number ***, in the amount of $for the *** credit we were unable to apply to your closed accountThank you for taking the time to share your concerns, and for allowing me the opportunity to address themShouldyou have any additional questions in regard to this matter, please feel free to contact Anthony C***,Customer Relations Representative, at ###-###-####Sincerely,
Jo Ann G.
Vice President Manager Customer Relations