Tri City National Bank

Mr [redacted] submitted a complaint on August 28th concerning the bank’s interactions with him regarding his loan account The bank strives to contact customers when their loan is past due so the issue can be resolved in a timely manner If the payments are not made timely, the bank will continue collection efforts and report the negative payment history to credit reporting agencies Mr [redacted] ’s current loan was established in August and records indicated few late payments In researching the loan payments, it was discovered that a payment received in May was meant to satisfy two month’s payments but was not applied correctly This caused errors in sending Mr [redacted] late notices and inaccurate reporting to the credit reporting agencies We have corrected this error and have fixed the credit reporting We apologize for the inconvenience this may have caused Please understand that it can take up to days for the updated information to be reflected in the credit report In the past week, the bank’s collections department attempted to call Mr [redacted] on three separate occasions to alert him of the past due payment because of the erroneous payment applied in May Those phone calls were not answered In correcting the May transaction, no follphone calls will be made at this time Mr [redacted] is concerned that his payments are taken out of his account before the payment due date Mr [redacted] ’s loan payment is not directly debited from a bank account Mr [redacted] pays the bank with a check every month so the payment is posted when we receive the check Mr [redacted] is also upset that a bank employee has visited his house and threatened him I have discussed the matter with the Mr [redacted] ’s lender and the collections department who attempted to call Mr [redacted] last week and no one from the bank has visited Mr [redacted] ’s home this year If you have any questions, kindly contact me at ###-###-#### Sincerely, TRI CITY NATIONAL BANK [redacted] [redacted]

I wish to apologize for the delay in the bank's response as I was out of the office for days.We have written a letter to the customers husband to apologize for the miscommunicatedinformationAs he requested the copy of the death oertificate has been was destroyedTheletter indicates In order to close out his wife's Safety Deposit Box, he will need the followingdocuments;• Return keys issued to her at time of renting the box• Domiciliary Papers appointing him the Personal Representative of the EstateThe bank has reimbursed the deceased customer's husband for the travel to the bank whichresulted In a wasted trip,

September 5,
*** *** ***
*** * *** ***
*** ** ***
Re: Complaint ID# ***
To Whom it May Concern,
Ms** wrote a complaint
regarding an online bill payment that was not
delivered timely to the
payee. Due to a series of events, Ms** incurred overdraft and late payment charges that she would like the bank to
refund. I will explain the sequence of
events
8/20/2014, *** ** used online banking to initiate a bill payment
in the amount of $to pay her rent.
Since there was not enough funds in the account to cover the $
bill payment, the payment was suspended, awaiting further decisioning from
the bank
8/21/14, the bank released the bill payment item and allowed the
account to be overdrawn and an overdraft fee was charged. This decision was based on the bank’s
history with *** **, in which these circumstances have occurred previously
and *** ** makes a deposit to bring the account positive. There were no prior issues with delivery
of the bill payment
9/2/14, the post office returned the check to the bill payment
processing office as undeliverable.
The processing office is separate from the bank and has established
procedures to refund undeliverable funds automatically
9/3/14, MsLin contacted the bank because she was notified by her
landlord that her rent check (the bill payment ) had not been received and
she would be charged a late fee.
The bank researched the item and discovered the following:
1. The bill payment, based on the information *** **
entered was payable to:
***
*** *** *** *** **
*** ** ***
2. The post office did not or could not deliver the item
and it was returned to the bill payment processing center on 9/2/14. *** ** stated she has previously addressed
bill payments this way without issue, but the post office did not to deliver
the item.
3. The bill payment processing center credited the amount
of the bill payment ($800) back to *** **’s account
The bank discussed the
undelivered bill payment with *** **, but we do not know for certain why the
post office made that decision.
Additionally, we advised *** ** on how to correctly enter the payee
information so future payments are routed correctly As a courtesy to *** **, we will refund the $
in initial and ongoing overdraft charges.
We recommend *** ** discuss
the issue with the post office and her landlord regarding the late payment due
to non-delivery by the post office
If you have any questions,
kindly contact me at ###-###-####
Sincerely,
TRI CITY
NATIONAL BANK
*** ***
*** ***
*** ***
Cc: *** *** **

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** **

Ms*** submitted a
complaint concerning some customer service issues she identified. I reached out to Ms*** by phone on
Friday, March 20th so she could provide additional details about the
customer service she experienced. I have agreed to address the
customer service
issues directly with the location. In return, Ms*** agreed that this matter
may be closed. We appreciate the
opportunity to improve customer service and hope that future interactions are
more pleasant. If you have any questions, kindly contact me
at ###-###-####

Mr. [redacted] submitted a
complaint on August 28th concerning the bank’s interactions with him
regarding his loan account.  The bank
strives to contact customers when their loan is past due so the issue can be
resolved in a timely manner.  If the payments
are not made timely, the...

bank will continue collection efforts and report the
negative payment history to credit reporting agencies.
 
Mr. [redacted]’s current loan was
established in August 2013 and records indicated few late payments.  In researching the loan payments, it was
discovered that a payment received in May 2014 was meant to satisfy two month’s
payments but was not applied correctly. 
This caused errors in sending Mr. [redacted] late notices and inaccurate
reporting to the credit reporting agencies. 
We have corrected this error and have fixed the credit reporting.  We apologize for the inconvenience this may
have caused.  Please understand that it
can take up to 30 days for the updated information to be reflected in the
credit report.
 
In the past week, the bank’s
collections department attempted to call Mr. [redacted] on three separate occasions
to alert him of the past due payment because of the erroneous payment applied
in May.  Those phone calls were not
answered.  In correcting the May
transaction, no follow-up phone calls will be made at this time. 
 
Mr. [redacted] is concerned that
his payments are taken out of his account before the payment due date.  Mr. [redacted]’s loan payment is not directly
debited from a bank account.  Mr. [redacted]
pays the bank with a check every month so the payment is posted when we receive
the check.
 
Mr. [redacted] is also upset that
a bank employee has visited his house and threatened him.  I have discussed the matter with the Mr.
[redacted]’s lender and the collections department who attempted to call Mr. [redacted]
last week and no one from the bank has visited Mr. [redacted]’s home this
year.   
 
If you have any questions,
kindly contact me at ###-###-####.
 
Sincerely,
 
TRI CITY
NATIONAL BANK
 
[redacted]
 
[redacted]

January 7, 2015 [redacted]
[redacted]
[redacted]  [redacted] Re:       Complaint ID# [redacted] To Whom it May Concern, Mr. [redacted] submitted acomplaint on January 5th concerning incorrect credit reporting forhis loan...

account.  Upon investigatingthis complaint, it was discovered that a step in the process to correct thecredit report in September was overlooked, resulting in the incorrectinformation still appearing on the credit report.   We apologize for theinconvenience this may have caused.  Acorrection to the credit report will be submitted by the end of business today;please understand it can take up to 30 days for the information to be reflectedin the credit report.   If you have any questions,kindly contact me at ###-###-####. Sincerely, TRI CITYNATIONAL BANK [redacted]

I wish to apologize for the delay in the bank's response as I was out of the office for 8 days.We have written a letter to the customers husband to apologize for the miscommunicatedinformation. As he requested the copy of the death oertificate has been was destroyed. Theletter indicates In order to...

close out his wife's Safety Deposit Box, he will need the followingdocuments;• Return 2 keys issued to her at time of renting the box• Domiciliary Papers appointing him the Personal Representative of the EstateThe bank has reimbursed the deceased customer's husband for the travel to the bank whichresulted In a wasted trip,

This is a letter to acknowledge and respond to Ms. [redacted]'s complaint about a nonsufficientfunds charge to her account on February 4, 2015. The bank returned her check toclose the account because there were insufficient funds due to other charges reducing theaccount balance.I spoke with Ms....

[redacted] on February 9th and we have reversed the fee and closed theaccount at her request.If you have any questions, kindly contact me at [redacted]

Review: the bank closed my personal account which was in the negative after opening it. I have had a business bank account with this bank for 14 years. no one contacted me but received via certified mail stating they closed my personal account and reported me to check systems. after the date of letter they took the money owed from them out of my business account without my knowledge. no one contacted me and they took out more money that was owed to them and sent me a certified check . after this they proceeded to close out my business account again without any notice or knowledge or them doing so. I tried calling them to resolve this issue the manager was not very helpful and was not very pleasant. she stated it was out of her hands now and was unwilling to do anything or help me resolve this horrible situation. I cannot believe they are allowed to conduct business as such especially as I have been a customer for 14 years with them.Desired Settlement: I would like them to take my name out of check systems and never want any contact from this bank again. the money was paid the next day after they reported me as they took it out of my business account and I don't see any reason why I need to be in the check systems data base.

Business

Response:

October 21, 2013

Revdex.com

10019 W Greenfield Ave.

Milwaukee, WI 53214

Re: Complaint ID# [redacted]

To Whom it May Concern,

Ms. [redacted] submitted a complaint regarding how the bank communicated with her when her accounts were closed due to overdrafts. Ms. [redacted] was also frustrated that the bank withdrew funds from her business account to cover the bank’s loss on the overdrawn account.

The bank strives to contact customers when their account is overdrawn so customers can resolve the overdraft in a timely manner. If the overdraft is not resolved, the bank will take steps necessary to close the account and report the negative balance to consumer reporting agencies.

In Ms. [redacted]’s situation, her personal account was established in May 2013 after discussions with a bank employee regarding overdrafts in the business account. From September 9, 2013 to October 6th, 2013, Ms. [redacted] was sent four separate written notices regarding the overdrawn status of her account. The letters requested that Ms. [redacted] bring the account to a positive balance and the final two letters informed Ms. [redacted] that failure to maintain a positive balance will result in the bank closing the account and the bank will report the negative account information to [redacted], a consumer reporting agency. On October 6th, 2013, the bank closed Ms. [redacted]’s account and reported the activity to [redacted].

Additionally, between the dates of September 9, 2013 and September 19, 2013, the bank made three attempts to contact Ms. [redacted] by phone regarding the status of her account. Each time, the bank was unable to leave a message.

The bank does have the right to offset accounts in an overdrawn status with positive account balances that are owned by the same person. This right of offset is disclosed in the Account Rules provided to Ms. [redacted] at the time her account was established. Ms. [redacted]’s business account is owned by her personally, so the bank did withdraw funds from the business account to cover the negative account balance. Ms. [redacted] was sent a receipt of the withdrawal from her business account.

Ms. [redacted]’s business account was originally closed due to the way the personal account was handled. The bank did not give Ms. [redacted] notice of its decision to close the business account and has therefore re-opened the account for Ms. [redacted]’s business use.

If you have any questions, kindly contact me at ###-###-####.

Sincerely,

TRI CITY NATIONAL BANK

Consumer

Response:

Review: Tricity has not removed inaccurate information about late payments from My credit report.Desired Settlement: correct their inaccurate information on my credit report

Business

Response:

January 7, 2015 [redacted] Re: Complaint ID# [redacted] To Whom it May Concern, Mr. [redacted] submitted acomplaint on January 5th concerning incorrect credit reporting forhis loan account. Upon investigatingthis complaint, it was discovered that a step in the process to correct thecredit report in September was overlooked, resulting in the incorrectinformation still appearing on the credit report. We apologize for theinconvenience this may have caused. Acorrection to the credit report will be submitted by the end of business today;please understand it can take up to 30 days for the information to be reflectedin the credit report. If you have any questions,kindly contact me at ###-###-####. Sincerely, TRI CITYNATIONAL BANK [redacted]

Review: WE MADE A BILL PAY ON 08/20/2014 OF 800 DOLLARS. DUE TO THE INSUFFICIENT FEE, WE GOT 63 DOLLARS OVERDRAFT FEES IN TOTAL. HOWEVER, DESPITE OF THE PERFECT ADDRESS THE $800 WAS NEVER DELIVERED OUT OF NO REASON. WE ALREADY FILED A COMPLAIN ON THE MAIL MAN. BUT THIS DOES NOT COVER OUT $63 OVER DRAFT FEE. THE $800 WILL BE RETURNED TO OUR ACCOUNT. BUT WHEN WE SUBMIT ANOTHER PAY BILL OF $800, WE WILL BE CHARGED BY OTHER OVERDRAFT FEES. WE ARE NOT RESPONSIBLE TO PAY FOR THE OVERDRAFT FEES ON TWO SEPERATED OCCASIONS DUE TO THE FAILED THE DELIVERY. THE BANK NEVER CONTACTED US ABOUT THE RETURN. TIL TODAY OUR LANDLORD CALLED AND ASKED FOR RENT, WE FOUND OUT THE $800 WAS NEVER DILIVERED. DUE TO THE DELAYED RENT, OUR LANDLORD IS CHARGING US $45.Desired Settlement: PLEASE REFUND OUR OVERDRAFT FEE OF $63 PLUS THE DELAY $45 CHARGED BY THE LANDLORD. THIS IS CAUSED BY THE DELAYED PAY BILL.

THANKS

Business

Response:

September 5, 2014

Re: Complaint ID# [redacted]

To Whom it May Concern,

Ms. ** wrote a complaint

regarding an online bill payment that was not delivered timely to the

payee. Due to a series of events, Ms. ** incurred overdraft and late payment charges that she would like the bank to

refund. I will explain the sequence of

events.

8/20/2014, [redacted] used online banking to initiate a bill payment

in the amount of $800 to pay her rent.

Since there was not enough funds in the account to cover the $800

bill payment, the payment was suspended, awaiting further decisioning from

the bank.

8/21/14, the bank released the bill payment item and allowed the

account to be overdrawn and an overdraft fee was charged. This decision was based on the bank’s

history with [redacted], in which these circumstances have occurred previously

and [redacted] makes a deposit to bring the account positive. There were no prior issues with delivery

of the bill payment.

9/2/14, the post office returned the check to the bill payment

processing office as undeliverable.

The processing office is separate from the bank and has established

procedures to refund undeliverable funds automatically.

9/3/14, Ms. Lin contacted the bank because she was notified by her

landlord that her rent check (the bill payment ) had not been received and

she would be charged a late fee.

The bank researched the item and discovered the following:

Review: I will be out of town next week for two weeks so I pre wrote my tithe checks for church. I pay every week. I noticed that one of them were cashed on yesterday which was odd. It was post dated for 3/31. Not the ones I wrote for the dates in between, so I went to the bank and [redacted] a nor [redacted] was there.which made me very uncomfortable that I had to deal with [redacted] on duty because she lost my deposit for 10,000, more than once. ...3 times and to show me how important it was....on the day of the deposit, when I came in the bank, it was sitting out in the open for all to see and had not been deposited as she promised. She is the reason I won't leave money in my account. She has made several errors and I don't trust her in my account, when I see her and she is the only one there I leave and wait or drive to the south side. I am not rambling there is a point to this. That check was postdated and she agreed to hold it and assumed responsibility for it and carelessly handled it, the 3900 dollar check I deposited before was postdated but [redacted] called me and she released it on the due date.....now if I can't deposit a postdated check how can anyone take it out of my account. Surely, my bank should have caught this if no one else did, not seaway, and then fingerprinting ro make others look bad. I was being a good Christian and paying my tithes before I left...that's why they were postdated. Are people in that big of a rush? And then to get told you shouldn't have postdated in the first palce? Well, ok....I will take that ine...you should have llookd...you honor that, then honor when ever I want money whether I have it or not. Finger pointing indeed.....pay attention to what you are doing. Your fees are high enough and I pay for what I do, pay for what you do and how you all treat p people and lose money!Desired Settlement: My money replaced. That should have been at least caught by my own bank if no one else.

Business

Response:

Ms. [redacted] submitted a

complaint concerning some customer service issues she identified. I reached out to Ms. [redacted] by phone on

Friday, March 20th so she could provide additional details about the

customer service she experienced. I have agreed to address the

customer service issues directly with the location. In return, Ms. [redacted] agreed that this matter

may be closed. We appreciate the

opportunity to improve customer service and hope that future interactions are

more pleasant. If you have any questions, kindly contact me

at ###-###-####.

Review: For 2 years I was a perfect customer of this bank and maintained a very healthy balance in my checking account. I had to relocate to another state and was not able to come back to close my account in person.

I was advised by one of their customer service person to write a check for the balance of the account and deposit it in the new bank. I asked them to make sure that there were no pending drafts or checks. An automatic draft from my electrical service company came through and my check was returned. This was a completely honest mistake that happened as a consequence of the complexity of relocating. However and in spite of my perfect record, the bank refused to forgive the fee I was charged for a rejected check. I feel that their advice was not good and got me into trouble . I also believe they showed no consideration or care for a good customer.Desired Settlement: I would like to receive a check for the fine I was unfairly charged ($35)

Business

Response:

This is a letter to acknowledge and respond to Ms. [redacted]'s complaint about a nonsufficientfunds charge to her account on February 4, 2015. The bank returned her check toclose the account because there were insufficient funds due to other charges reducing theaccount balance.I spoke with Ms. [redacted] on February 9th and we have reversed the fee and closed theaccount at her request.If you have any questions, kindly contact me at [redacted]

Review: Trying to get to my deceased wife's safety deposit box. They told me just bring in death certificate. Drove 90 miles and was told I need more paper work.why did they not say so when I called. Plus they took advandge of me and copied death certificate.Desired Settlement: Want them to admit, theymare a bad bank and care for there customers like animals. No information that is clear.I want reimbursement for time and gas. Want my copy they took of death certificate destroyed as it will benefit others in my litigations.

Business

Response:

I wish to apologize for the delay in the bank's response as I was out of the office for 8 days.We have written a letter to the customers husband to apologize for the miscommunicatedinformation. As he requested the copy of the death oertificate has been was destroyed. Theletter indicates In order to close out his wife's Safety Deposit Box, he will need the followingdocuments;• Return 2 keys issued to her at time of renting the box• Domiciliary Papers appointing him the Personal Representative of the EstateThe bank has reimbursed the deceased customer's husband for the travel to the bank whichresulted In a wasted trip,

I received a letter from the IRS stating my check was deposited to

TRI City National Bank [redacted]

So my husband called and he asked to speak to the manager which [redacted] name is [redacted] and she was very rude and try to tell my husband that my check was not cashed there but we never said it was cashed we can clearly see in the copy that the IRS sent me it states: credited to the account of the within named payee. We just wanted to know who was the person that stole my identity and forged my name. And also the social security number on the back of the check is not my SSN. I have a feeling this is an inside job. The bank teller who accepted this check without I.D and it being thru a third party was very negligent on accepting my check with me being present or having any kind of verification that I am allowing someone else to handle my check. I am disgusted with the service of this bank because I know Banks like Wells Fargo, Marine Credit Union would of not accepted that check. That's why I feel someone in this bank knew the person who had my check.

Review: Since taking out a home equity loan eight years ago, I have experienced a number of service issues with this establishment. These include the withdrawal of payment directly from My account before the payment due date, A visit to My house from a bank employee threatening Me with legal action, and receiving late payment notices when the loan payments have been made on time, with a threat to My credit rating and charging of late payment fees. I find these actions extremely aggressive and bordering on harassment and would like them to stop. If they continue, I am prepared to seek legal aide.Desired Settlement: I find these actions extremely aggressive and bordering on harassment and would like them to stop. If they continue, I am prepared to seek legal aide. I would like to receive decent customer service and a cessation from anymore harassment.

Business

Response:

Mr. [redacted] submitted a

complaint on August 28th concerning the bank’s interactions with him

regarding his loan account. The bank

strives to contact customers when their loan is past due so the issue can be

resolved in a timely manner. If the payments

are not made timely, the bank will continue collection efforts and report the

negative payment history to credit reporting agencies.

Mr. [redacted]’s current loan was

established in August 2013 and records indicated few late payments. In researching the loan payments, it was

discovered that a payment received in May 2014 was meant to satisfy two month’s

payments but was not applied correctly.

This caused errors in sending Mr. [redacted] late notices and inaccurate

reporting to the credit reporting agencies.

We have corrected this error and have fixed the credit reporting. We apologize for the inconvenience this may

have caused. Please understand that it

can take up to 30 days for the updated information to be reflected in the

credit report.

In the past week, the bank’s

collections department attempted to call Mr. [redacted] on three separate occasions

to alert him of the past due payment because of the erroneous payment applied

in May. Those phone calls were not

answered. In correcting the May

transaction, no follow-up phone calls will be made at this time.

Mr. [redacted] is concerned that

his payments are taken out of his account before the payment due date. Mr. [redacted]’s loan payment is not directly

debited from a bank account. Mr. [redacted]

pays the bank with a check every month so the payment is posted when we receive

the check.

Mr. [redacted] is also upset that

a bank employee has visited his house and threatened him. I have discussed the matter with the Mr.

[redacted]’s lender and the collections department who attempted to call Mr. [redacted]

last week and no one from the bank has visited Mr. [redacted]’s home this

year.

If you have any questions,

kindly contact me at ###-###-####.

Sincerely,

TRI CITY

NATIONAL BANK