Tri-Counties Bank - all area branches

Thank you for forwarding the inquiry from Mr [redacted] regarding his recent interaction with Mr [redacted] ***, Senior Account Executive of Leasing, at Tri Counties BankTri Counties Bank acts as a Broker in Leasing transactions, and is not the direct lender in these situationsBelow please find the narrative addressing Mr [redacted] 's concern.In mid-December 2016, Tri Counties Bank received an application from Mr [redacted] requesting $36,to purchase a used truck and $22,to purchase a used refrigerated trailerOn December 15, 2016, the transaction was approved by [redacted] Equipment Finance, and the Mr [redacted] signed his loan documents on December 23, On December 27, 2016, [redacted] Equipment Finance received the completed loan documents and debited $8,from Mr [redacted] 's account for the deposit that was required to acquire the equipment for his transactionOn December 29, 2016, an independent inspector for [redacted] Equipment Finance performed an inspection of the equipment used as collateral for the lease and found a discrepancy with the refrigerated trailerThe invoice provided to [redacted] Equipment Finance by the trailer vendor stated that the refrigerated trailer had 6,hours of use on it but the inspector found that the refrigerated trailer actually had 25,hours of useDue to this material change in the condition of the collateral, [redacted] Equipment Finance rescinded its credit approval for Mr [redacted] 's application.On January 3, 2017, Mr [redacted] offered a trailer as a replacement for the previously offered refrigerated trailer [redacted] Equipment Finance declined to accept this trailer as collateral for the lease due to excessive age.On January 4, 2017, Mr [redacted] left a phone message for Mr [redacted] at Tri Counties requesting contactMr [redacted] returned Mr [redacted] 's phone call on the morning of January 5, Mr [redacted] asked for Tri Counties Bank to cancel his transaction/application and to return his deposit to himThe deposit funds in the amount of $8,were deposited into Mr [redacted] 's account that same dayAt this point, we do not believe there are any further action items related to Mr [redacted] 's requestThank you for the opportunity to explain the sequence of events related to Mr [redacted] 's concernShould you have any additional questions please feel free to contact me.Sincerely,Operations Administrator Tri Counties Bank

I compiled the documents into PDF filesOne is a letter to you, the others relate to specific issuesIf I can be of assistance I am happy to helpthank you.Rev [redacted]

Mr [redacted] , Attached is the response letter of Tri Counties Bank for the complaint that was submitted by Mr [redacted] on 12/22/and was assigned an ID of If you need any additional information please feel free to contact myselfThank you [redacted] Operations Administrator Tri Counties Bank [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me

Thank you for forwarding the inquiry from Mr [redacted] regarding a debit card dispute claim filed for six Point-of-Sale transactions that posted to his Tri Counties Bank checking account between the dates of December 22, and February 5, On February 16, 2018, Mr [redacted] contacted Tri Counties Bank and requested that a transaction dispute claim be filed for six transactions, totaling $which occurred between December 22, and February 5, Mr [redacted] indicated that the transactions were fraudulent and when Mr [redacted] reached out to the Merchant to discuss the transactions, they denied ever charging him and referred him to his financial institution A Tri Counties Bank Reg E Dispute Resolution Specialist reviewed Mr [redacted] dispute claim During the investigation, they were able to confirm with the merchant that the charges in question were the result of trial offers Mr [redacted] signed up for in December 2017, that were not cancelled The merchant provided Mr [redacted] delivery address and [redacted] tracking number [redacted] ; confirming that the initial package was delivered to Mr [redacted] on 12/26/at 4:53pm Based on these findings, they were able to determine that Mr [redacted] benefited from the activity and that this activity would not be considered fraudulent Because the transactions were authorized they were not subject to Regulation E and a Notice of Final Determination letter was mailed to Mr [redacted] on February 22, 2018, alerting him of the denied claim Mr [redacted] indicates that Tri Counties Bank is in conflict with the claim that his debit card has zero fraud liability To clarify, per Tri Counties Bank’s Consumer Debit Card Agreement and Disclosure, (pages & 6): Your Card comes with Zero Liability Card Protection for unauthorized transactions that you report promptly An “unauthorized transaction” is a transaction that does not benefit you that is made by a person who does not have your actual or implied authority The Bank acted in accordance with our ‘Consumer Debit Card Agreement and Disclosure’ which was provided to Mr [redacted] when he initially received his Debit Card, and is included with each debit card received thereafter Thank you for the opportunity to explain Mr [redacted] claim history, and should you have any additional questions please feel free to contact me Sincerely, [redacted] Operations Administrator Tri Counties Bank Phone: 530-898-ExtEmail: [email protected]

Thank you for forwarding the inquiry from Mr [redacted] regarding his Checking Acct [redacted] and the customer service he received from the Weaverville branchMr [redacted] opened his account at our Weaverville branch February 4, In checking our records we found that Mr [redacted] ’s account was closed by the bank on October 7, At this time, the bank exercised “Our Right to Close Account – the Bank reserves the right to close your account for any reason or without causeIt need not advise you of the reason for taking this action.” We do appreciate that Mr [redacted] has brought the customer service incident to our attention and the information has been shared with Bank ManagementWhile we do apologize for how the interactions with our employees at the branch were received, the Bank will not be requiring its employees to issue a public apology to Mr [redacted] Thank you for the opportunity to explain Tri Counties Bank’s response to Mr [redacted] ’s concernShould you have any additional questions please feel free to contact meSincerely, [redacted] Operations AdministrationTri Counties Bank

At this moment, I am completely astonished with the horrible level of service I am getting. I haven't been able to access my mobile banking or even check my balance for several days. I call and find out my pin number has been changed. By who? They cant tell me how why or when It was changed even after veryfiying I am me. They can't change It back, or tell me my balance even. So basically someone stole my information, and I can't do anything about it. I guess I'm to assume im also out any money that was in my account. Of course I have no way Of checking! Absolutely ridiculous! I may change banks...

I am rejecting this response because: Not even a mention or, apology for the unprofessional behavior of Tri County Banks "Senior Banker" *** ***. No one should hurt themselves inside a Tri Countys Bank due to negligence of the Bank as the Bank and its employees it seems, are above the consideration of customers like Mr***

Attached is the response to Complaint ID#***.Please let me know if you have any further questions.Thank you,*** ***Tri Counties Bank*** *** ***

Thank you for forwarding Ms***'s inquiry outlining her concern of the transaction dispute she filed on August 4, 2015, regarding an ATM withdrawal from her Tri Counties Bank checking accountOur ATM/Debit Card Customer Support Group took her claim and submitted it to an ATM/Debit Adjustment
Specialist for review.After reviewing the with withdrawal in question, it was determined by the ATM/Debit Adjustment Specialist that no error occurred and her claim was denied for the following reasons:1) Transactions were deemed to have occurred within her geographical area at that time.2) No other fraudulent transactions were conducted either before or after the withdrawal.3) The customer admitted to letter her friend use her card and that she had given her the PIN, thus making her friend an authorized user.Ms*** requested that we obtain footage from Bank of America to determine who conducted the withdrawalUnfortunately, we are not able to obtain security footage because it could lead to violation of privacy of Bank of America's customersWe do take these matters seriously and understand Ms***'s frustration regarding the withdrawal from her account, but we are required to follow certain procedures with regard to debit card transactions/withdrawals and customer privacyIn this case, Ms*** would need to file a police report regarding the withdrawal and the police would need to request any information/video footage from Bank of America.Thank you for the opportunity to explain Tri Counties Bank's position and to address Ms***'s concernShould you have any additional questions please feel free to contact me.Sincerely,*** ***Operations AdministrationTri Counties BankFortress St.Chico, CA 95973Phone: 530-898-Ext88959Email: ***

Thank you for forwarding the inquiry from Mr*** regarding his Checking account that was transferred to Tri Counties Bank from *** ** *** during a recent acquisition of three *** ** *** branches in Northern California.The information for accounts to be transitioned to Tri Counties Bank
was supplied by *** ** *** ** *** included Mr***'s account in the conversion files they supplied to us.Because Mr***'s account was transitioned to Tri Counties Bank, there will be a reflection of an account relationship with Tri Counties Bank that is now closedMr***'s checking account with Tri Counties Bank was transitioned from *** ** *** at close of business on March 18th and remained open until it was closed on July 12, There was no negative reporting on his credit or banking history regarding his account that was opened with Tri Counties Bank.Thank you for the opportunity to explain the sequence of events related to Mr***'s concernShould you have any additional questions please feel free to contact me.Sincerely,*** ***

Thank you for forwarding the inquiry from Mr*** regarding changes to his Tri- Counties Bank checking account and the $mailed account statement fee that processed against his account.On August 8, 2016, Tri Counties Bank mailed Mr*** an "Account Changes in Terms" letter, along with a "Brochure and Disclosure Booklet", regarding changes that would be made to his Tri Counties Bank checking account, effective September 22, The letter outlines his current account product name, his new account product name, the monthly maintenance fee for the new account and ways to avoid it, as well as additional fees that could be charged to his checking account after it convertedThe $fee for mailed paper statements is one of the additional charge through Mr*** online banking service.In Mr*** email to the Revdex.com, he mentioned that the $mailed paper statement fee is not included in the Bank's Consumer Fee ScheduleThe mailed paper statement fee is not included in the Consumer Fee Schedule because it is an account-specific fee that is disclosed in the Truth in Savings Disclosure for only those accounts where it appliesThe $mailed paper statement fee was detailed in three documents Mr*** received, including the new Truth in Savings Disclosure for Mr*** new account which was in the Disclosure Booklet that was mailed along with the letter, in the Change In Term letter itself, and in the Consumer Checking and Savings Accounts (ADV-4) brochure which was included in the package.On December 22, 2016, Mr*** checking account was credited $for the reversal of the mailed paper statement fee as a one-time courtesy.thank you for the opportunity to explain the sequence of events related to Mr*** concernShould you have any additional questions please feel free to contact me.Sincerely,*** ***Tri Counties Bank

Mr. *** ***,
Attached is the response letter of Tri Counties Bank for the complaint
that was submitted by Mr*** *** on 5/19/and was
assigned an ID of ***2. If you need any additional information please
feel free to contact myself
Thank
you
*** ***
Operations Administrator
Tri Counties Bank
*** ext***

Ms. *** *** Tri Counties Bank is currently researching the complaint that was submitted by Ms*** *** ** 3/8/and was assigned an ID of 12029667. I have been out of the office tending to a family emergency for the past few days and
wanted to make you aware that a response will be submitted by 3/21/2017. If you need any additional information please feel free to contact myselfThank you *** *** Operations Administrator Tri Counties Bank *** ext***

I am rejecting this response because: Tri-Counties Bank manager in Weaverville accused me of money launderingThey did so with proof or evidenceTri-Counties generated a report based on "nothing"; this report has "black listed" me from using another bankI have twenty or so legal documents proving a legal LLC, tax ID and a Certificate of FormationTri-Counties Bank is not being honest with you! They're actions were based on the Branch Managers lies and Tri-Counties did not ask for any documents and they don't care about facts, proof or evidenceI want an apology from the Tri-Counties branch manager and Tri-Cpounties so called security department!

Thank you for forwarding the inquiry from Mr*** regarding his experience when visiting our Redding, Lake BlvdInStore Branch on November 24th, We are aligning our response to the information shared by Mr*** regarding the desk on wheels.Tri Counties Bank takes our customer's safety
very seriouslyUpon the receipt of Mr***'s letter we reached out to our Redding, Lake BlvdBranch Manager and our Facilities Manager to research the options available for modifying the desk or cart in questionThey will be removing the wheels and possibly relocating the desk/cartThe cart is used by customers when preparing their transaction for deposit. We want to thank Mr*** for sharing his experience and thank you for the opportunity to review his concernPlease feel free to contact me should you have additional questions

Mr. *** ***, Attached is the response letter of Tri Counties Bank for the complaint that was submitted by Mr*** *** on 1/4/and was assigned an ID of 11912646. If you need any additional information please feel free to contact myselfThank you
*** *** Operations Administrator Tri Counties Bank *** ext***

Ms*** ***, Attached is the response letter of Tri Counties Bank for the complaint that was submitted by Mr*** *** on 6/13/and was assigned an ID of 12204791. If you need any additional information please feel free to contact myselfThank you***
*** | Operations Administrator

Thank you for forwarding the inquiry from Mr. [redacted] regarding his recent interaction with Mr. [redacted], Senior Account Executive of Leasing, at Tri Counties Bank. Tri Counties Bank acts as a Broker in Leasing transactions, and is not the direct lender in these situations. Below please find the narrative addressing Mr. [redacted]'s concern.In mid-December 2016, Tri Counties Bank received an application from Mr. [redacted] requesting $36,000.00 to purchase a used truck and $22,900.00 to purchase a used refrigerated trailer. On December 15, 2016, the transaction was approved by [redacted] Equipment Finance, and the Mr. [redacted] signed his loan documents on December 23, 2016. On December 27, 2016, [redacted] Equipment Finance received the completed loan documents and debited $8,276.77 from Mr. [redacted]'s account for the deposit that was required to acquire the equipment for his transaction. On December 29, 2016, an independent inspector for [redacted] Equipment Finance performed an inspection of the equipment used as collateral for the lease and found a discrepancy with the refrigerated trailer. The invoice provided to [redacted] Equipment Finance by the trailer vendor stated that the refrigerated trailer had 6,750 hours of use on it but the inspector found that the refrigerated trailer actually had 25,369 hours of use. Due to this material change in the condition of the collateral, [redacted] Equipment Finance rescinded its credit approval for Mr. [redacted]'s application.On January 3, 2017, Mr. [redacted] offered a 2006 trailer as a replacement for the previously offered refrigerated trailer. [redacted] Equipment Finance declined to accept this trailer as collateral for the lease due to excessive age.On January 4, 2017, Mr. [redacted] left a phone message for Mr. [redacted] at Tri Counties requesting contact. Mr. [redacted] returned Mr. [redacted]'s phone call on the morning of January 5, 2017. Mr. [redacted] asked for Tri Counties Bank to cancel his transaction/application and to return his deposit to him. The deposit funds in the amount of $8,276.77 were deposited into Mr. [redacted]'s account that same day. At this point, we do not believe there are any further action items related to Mr. [redacted]'s request. Thank you for the opportunity to explain the sequence of events related to Mr. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,Operations Administrator Tri Counties Bank

Thank you for forwarding the additional complaint details from Mr. [redacted] regarding his recent attempts to utilized the Online Banking service of Tri Counties bank and the status of his accounts will Tri Counties Bank. Tri Counties bank recognizes the frustration that Mr. [redacted] has experienced while using his online banking and with the closure of his accounts. It is unfortunate that the Bank was not able resolve the situation in a manner that was satisfactory for him, but would like to inform him that his situation and experience have been shared with Bank management. Thank you for the opportunity to explain the Bank's position in relation to Mr. [redacted] concern. Should you have any additional questions please feel fee to contact me. Sincerely [redacted] Operation AdministrationTri Counties bank