South County Bank

Review: I have banked with South County Bank approximately 15 years. I opened my account and there as to be no service charge as I had direct deposit set up. I have always had direct deposit with more than 1 company depositing into this account. This was not my primary bank account the last 6 years so as I no longer worked in Rancho Santa Margarita. There were times when I had called the bank about the fees and they were waived as I had direct deposit. Then later on they would start taking the fees again. I recently called the bank regarding a NSF fee and they again waived 4 months of fees as I have direct deposit. I then realized they should not have charged those fees at all on my account as I have ALWAYS had direct deposit. I called the bank to inquire and request a refund of all those fees they had taken over the last 7 years when they had not been waived after an inquiry by me. I was told by a branch employee named [redacted] that it was not their responsibility to know if I had direct deposit or not and I should have brought it to their attention. I reiterated I had ALWAYS had direct deposit in this account. After several conversations I was told that the bank changed the account and there was a line on a statement in 2008 that indicated that change. I had no knowledge nor information on this change and the bank branch itself had waived fees on this account several times because of the direct deposit (even though they had waived fees several times BECAUSE I had direct deposit). They have now decided they do not want to refund all the service fees they should not have taken from my account over the last 7 years.Desired Settlement: I want to have all the service fees they charged to this account that they should not have been taking refunded back to me.

Business

Response:

Dear Ms. [redacted],

We are writing to you in response to your complaint (ID# [redacted]) with the RevDex.com. First of all, we would like to thank you for taking the time to communicate with us your

concerns about the service charges on your checking account. We have every desire to address

your concern and provide the best solution available to resolve your issue.

We have investigated your complaint and would like to inform you that there is a

miscommunication between you and our staff. We would like to extend our apologies for the

inconvenience caused and assure you that we have taken the necessary steps to counsel all staff.

I have enclosed an excerpt of checking account service charges as well as the message that was

placed on all account statements detailing the service charges associated with the account.

As a gesture of our regret for the miscommunication, we would like to offer you a waiver on

your checking account for future monthly service charges. Please feel free to contact us if you

have further questions or concerns with this matter.

Sincerely,

Executive Vice President