Tri-Counties Bank - all area branches

Thank you for forwarding the inquiry from Ms. [redacted] regarding her Checking Acct. [redacted], opened at our Modesto Village One Branch. Ms. [redacted] opened her account with Tri Counties Bank in 2012 and opted into our Limited discretionary Overdraft Privelege Program on 10/14/2013, which covers...

checks, Automated Clearing House (ACH) transactions, recurring debit card transactions and other transactions made using her checking account number.
Tri Counties Bank policy is to waive fees if the fee incurred is the result of a bank error. However we understand that there can be extenuating circumstances. We recognize that Ms. [redacted] was in the process of closing her account when the $39 previously scheduled payment processed and that she overlooked that the payment had not been debited from her account. Considering Ms. [redacted] confirmed she was attempting to close her account and she paid us in full for the payment and the $29.50 NSF fee, as onetime courtesy, we will be refunding the $29.50 fee. We have issued a Cashier's Check for the amount and mailing it to the address provided by Ms. [redacted].
Thank you for the opportunity to explain Tri Counties Bank's position and to address Ms. [redacted]'s concern. Should you have any additional questions please feel free to contact me.
Sincerely,
[redacted]
Customer Service Department
Tri Counties Bank
[redacted]

Thank you for forwarding the inquiry from Mr. [redacted] regarding his recent interactions with Tri Counties Bank, the use of the...

transfer functionality within the Mobile Banking service and a Returned NSF Item. We do appreciate that Mr. [redacted] has shared his experiences with the Bank, and the information provided has been shared with Bank Management. Tri Counties Bank is aware that overflow calls to our 800 number are answered by a third party. Often, they are able to assist our customers outside of our Customer Service Department hours with cancelling a lost or stolen debit card, and other minor requests. When requests, such as the reversal of NSF fees are mentioned Management involvement is expected. Tri Counties Bank recognizes the frustration that Mr. [redacted] has experienced while using the Tri Counties Bank mobile banking app. After researching the mobile banking transfer, we were able to determine that on Friday, February 2, 2018 at 1:54PM a transfer was scheduled with an effective date of Saturday February 3, 2018. Unfortunately, because the date for the transfer was selected for Saturday February 3, 2018, and transactions are not processed on weekends, the transfer did not post until Monday February 5, 2018. Transfers are processed instantly, unless a specified date is scheduled or the date falls on a Saturday, Sunday, or Holiday. In speaking with [redacted], Branch Manager of Tri Counties Bank, Red Bluff branch, [redacted] indicated after having a conversation with Mr. [redacted] around the first of February, it was discussed that any late fee as a result of the returned NSF item would be reimbursed, once a Late Fee Notice indicating the fee amount was provided. The associated Bank NSF Fee and an additional service charge fee were credited to the account on February 5, 2018 and February 7, 2018.Additionally, Mr. [redacted] mentions that he made several attempts to contact Tri Counties Bank to resolve these issues. We recognize that the situation resulted in service that was less than what he expected from Tri Counties Bank and appreciate that the issue was brought to our attention. Again, Tri Counties Bank apologizes for our lack of follow up when working with Mr. [redacted] and would like to assure him that we are looking into it. Thank you for the opportunity the explain the Bank's position in relation to Mr. [redacted]'s concern. Should you have any additional questions please feel free to contact me. [redacted]

Thank you for forwarding the inquiry form Ms. [redacted] regarding her Checking Acct. xxxx[redacted] and the two $5 Advice of Difference debits she had posted to her account for deposits she made on 11/20/14 and 2/17/15 using a Tri Counties Bank ATM machine. In checking our records we were able to determine...

that Ms. [redacted] filed a formal complaint with the bank on 2/23/15 and spoke with [redacted], Regional Operations Manager on 2/26/15 regarding the $5 Advice of Difference fees. Ms. [redacted] communicated with Ms. [redacted] that she had researched the transactions in question and confirmed the deposit made on 11/18/14 included checks totaling $207 and cash totaling $255 and was made at the bank’s Elk Grove Branch ATM. As a customer satisfaction courtesy Ms. [redacted] agreed to reverse the $5 Advice of Difference debit and Ms. [redacted]’s account was credited the $5 on 3/2/15. Ms. [redacted] also communicated the deposit of 2/17/05 was made at the bank’s Folsom Blue Ravine ATM and the deposit included 2 checks totaling $120 (checks were for $45 and $75) and no cash. Ms. [redacted] had input the deposit amount as $125, therefore creating the $5 Advice of Difference debit. The afternoon of 2/26/15 Ms. [redacted] communicated with our Customer Advocacy Team advising she had spoken with Ms. [redacted] and was taking action to credit her account $5 as a courtesy. We closed Ms. [redacted]’s complaint that same day. Thank you for the opportunity to explain Tri Counties Bank’s response to Ms. [redacted]’s concern. Should you have any additional questions please feel free to contact me.

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Checking Acct. [redacted] and the customer service he received from the Weaverville branch. Mr. [redacted] opened his account at our Weaverville branch February 4, 2015. In checking our records we found that Mr....

[redacted]’s account was closed by the bank on October 7, 2015. 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 cause. It 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 Management. While 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 concern. Should you have any additional questions please feel free to contact me. Sincerely,[redacted]Operations AdministrationTri Counties Bank

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, 2017 and February 5, 2018.    On February 16, 2018, Mr. [redacted] contacted Tri...

Counties Bank and requested that a transaction dispute claim be filed for six transactions, totaling $375.44 which occurred between December 22, 2017 and February 5, 2018.  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 12/26/17 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 5 & 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:  530-898-0300 Ext. 88751 Email:  [email protected]

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.  However,I reserve my rights to believe it when I see it! A bank that can treat a citizen this way run my company name through the mud and attempt to extort money from me is not a business I trust.Also, What about my rights as an American? Guilty until I prove myself innocent? Has my Government really taken 40+ years of my tax dollars to create rules that stack the deck against me until I prove my innocence?Can I steal and try to extort money from a bank, and say oooopsie doodle never mind if I'm caught or questioned?My rights to face my accusers were trampled! my rights to see evidence against me trampled! I was tried, convicted and sentenced by strangers who apparently didn't even look at the evidence that was involved.

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.

RE:  ID #[redacted]         [redacted] – Account Closure, Debit Card Security, and Customer Service   Dear Ms. [redacted],   Thank you for forwarding the inquiry from Mr. [redacted] regarding his business account opening deposit and the activity that...

transpired thereafter.    On January 19, 2018, Mr. [redacted] opened a new business account at the Bakersfield Tri Counties Bank branch.  His opening deposit of $100.00 was credited to the account and a business debit card order was placed.  The business debit card was created and mailed to his address on file, on January 22, 2018.  Our records indicate Mr. [redacted]’s debit card was received and activated on January 31, 2018, and that his cell phone number on file was used for the activation.  In order to activate a Tri Counties Bank debit card, the caller must answer correctly a series of questions to be identified.         On January 31, 2018 two deposits were made via the ATM at the Bakersfield Tri Counties Bank branch.  One of the items deposited was returned as a Chargeback Item to Mr. [redacted]’s account on February 6, 2018, with the reason of “Stop Payment”. On that same day, Mr. [redacted] contacted Tri Counties Bank and requested that a transaction dispute claim be filed for four ATM withdrawals and three Point-of-Sale transactions, totaling $1089.46. A Tri Counties Bank Reg E Dispute Resolution Specialist reviewed Mr. [redacted]’s dispute claim.    Because the transactions in question were completed using a business debit card, which is not subject to Regulation E, the claim was denied.  Tri Counties Bank exercised its right to close Mr. [redacted]’s account on February 13, 2018, with a negative balance of $434.44.  A Notice of Final Determination letter was mailed to Mr. [redacted] on his Reg E Claim on February 21, 2018, alerting him of the denied claim.    On March 8, 2018 the details of Mr. [redacted]’s complaint were brought to the attention of Mr. Mark [redacted], SVP Bank Operations for Tri Counties Bank.  Mr. [redacted] felt an additional review of   Mr. [redacted]’s dispute claim and account history should have been conducted during the initial review, as it appears that both Mr. [redacted] and Tri Counties Bank may have been victimized by fraudsters.  Mr. [redacted] authorized the removal of the ChexSystems reporting; which was due to Mr. [redacted]’s account being overdrawn $434.44 at account closing.  Mr. [redacted] also approved a refund of Mr. [redacted]’s business account opening deposit of $100.00.  The ChexSystems record was deleted and a cashier’s check was issued and mailed to Mr. [redacted] on March 12, 2018.   We would like to recommend that Mr. [redacted] research the possibility that fraudsters could have potentially obtained his personal identifying information, and are using it for nefarious purposes.  Along with the cashier’s check mailed to Mr. [redacted], we included two Identity Theft informational brochures.  We hope this will help Mr. [redacted] with steps he can take to reduce the impact if his personal information has been compromised. Tri Counties Bank is sorry Mr. [redacted] has experienced this frustration.  The Bank recognizes that the situation is upsetting, and we appreciate that he brought his concerns to our attention so that we could do a further review of the circumstances that lead to the account closure.   Thank you for the opportunity to explain the circumstances associated with Mr. [redacted]’s complaint, and should you have any additional questions please feel free to contact me.      Sincerely,       [redacted] Operations Administrator Tri Counties Bank Phone:  [redacted] Email:  [redacted]

Thank you for forwarding the inquiry from Ms. [redacted] regarding her Savings account that was transferred to Tri Counties Bank from [redacted] during a recent acquisition of three [redacted] branches in Northern California.The information for accounts to be transitioned to Tri Counties Bank...

was supplied by [redacted]a. [redacted] included Ms. [redacted]'s account in the conversion files they supplied to us. Because Ms. [redacted]'s account relationship with Tri Counties Bank is now closed. Ms. [redacted]'s savings account with Tri Counties Bank was transitioned from [redacted] at close of business on March 18th and remained open until it was closed on June 28, 2016. There was no negative reporting on her credit or banking history regarding her account that was opened with Tri Counties Bank.On July 19, 2016, Tri Counties Bank issued Cashier's Check [redacted] for $9.98 to refund Ms. [redacted] the amount she paid in maintenance fees. The check is payable to [redacted] and was mailed to her address on file.Thank you for the opportunity to explain the sequence of events related to Ms. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]

I compiled the documents into PDF files. One is a letter to you, the others relate to specific issues. If I can be of assistance I am happy to help. thank you.Rev. [redacted]

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Mortgage Loan with Tri Counties Bank and a letter he received regarding Force Placed insurance.Beginning in March 2016, Tri Counties Bank sent multiple letters to Mr. [redacted] regarding the Bank's need for updated evidence of insurance on the property secured by his mortgage loan. Our records indicate that we received adequate proof of insurance from Mr. [redacted] on 5/17/2016, and that Force Placed Insurance was not charged to his loan. Mr. [redacted] spoke to our Insurance Center on 5/19/2016 and was informed that we had received the proof of insurance on 5/17 and we cancelled the order for Force Placed Insurance at that time. Mr. [redacted] was not charged for this insurance nor was any charge or fee added to his loan.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,[redacted]Operations AdministrationTri Counties Bank

Attached is the Word Document version, as requested.Thank you,[redacted]Tri Counties Bank

I am rejecting this response because:The company attempted the charge multiple times during a period spanding over a weeks time stated by the fraud department which I have a recording of,the fraud charge showed pending the same day the card was canceled,then droped off and reappeared for three consecutive days following due to the bank allowing the charge to continue to pend to the account after complaints and a dispute was made to the fraud department.Also I recieved horrific customer service reguarding my desire to close the account due to the fraud and banks poor response dealing with the issue.My complaint will stand and will not be resolved with the obsurd response made by the bank reguarding federal guidelines causing them to allow a fraud charge to continue posting on a closed bank card.

Mr. [redacted], Attached is the response letter of Tri Counties Bank for the complaint that was submitted by Mr. [redacted] on 12/22/2016 and was assigned an ID of 11892064.  If you need any additional information please feel free to contact myself. Thank you....

  [redacted] Operations Administrator  Tri Counties Bank [redacted]

I am rejecting this response because:They claim that I received a package but I did not. Furthermore, information provided to me did not match the terms and conditions nor did they provide further proof that I conducted this transaction. One tracking number to a PO Box without any corroborating evidence does not constitute proof. If it is true that a package came to the box than it is likely that it was returned as I was not in town and can prove this with other, legitimate transactions on my account.

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Checking Acct. [redacted], opened at our Redding Churn Creek branch, and the unauthorized 'pending' charge that was processing through his debit card. Mr. [redacted] opened his account with North Valley Bank in 2014 and North Valley Bank...

merged with Tri Counties Bank on 10/24/2014.In Mr. [redacted]'s letter he references an unauthorized 'pending' transaction against his account for $29.90; this transaction dropped off from his account on 7/10/2015. Because the charge never actually posted to Mr. [redacted]'s account, no transaction dispute was necessary and Mr. [redacted] was able to successfully close his account on 7/10/2015.While we do understand Mr. [redacted]'s frustration with the charge being presented after the debit card was closed, we are required by Federal Regulation to follow certain procedures with regard to debit card transactions. The transaction in question was initiated on 7/7/2015 and is referred to as an "Authorized Hold". These transactions may disappear and reappear depending on how the initiating company processes the transaction. This can result in a transaction showing up after a customer's debit card has been closed.Thank you for the opportunity to explain Tri Counties Bank's position and to address Mr. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]Operations AdministrationTri Counties Bank

Review: My Tri counties bank debit card had an unauthorized charge pending 07/07/2015,I contacted the fraud department the same day and they froze the card.Today 07/09/2015 there is another pending charge from the same company being made to the debit card that was deactivated two days ago.This has been an ongoing issue for three days in a row now and all the bank keeps telling me is there is nothing they can do untill it posts to my account,it has made it impossible to access funds and close this account due to the daily attempt being made to charge my now none active debit card.Desired Settlement: I would like the bank to remove this pending charge from my account,and discontinue the ability for charges to be made on the inactive debit card so I may go in to my local branch and close my account with Tri counties bank.

Business

Response:

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Checking Acct. [redacted], opened at our Redding Churn Creek branch, and the unauthorized 'pending' charge that was processing through his debit card. Mr. [redacted] opened his account with North Valley Bank in 2014 and North Valley Bank merged with Tri Counties Bank on 10/24/2014.In Mr. [redacted]'s letter he references an unauthorized 'pending' transaction against his account for $29.90; this transaction dropped off from his account on 7/10/2015. Because the charge never actually posted to Mr. [redacted]'s account, no transaction dispute was necessary and Mr. [redacted] was able to successfully close his account on 7/10/2015.While we do understand Mr. [redacted]'s frustration with the charge being presented after the debit card was closed, we are required by Federal Regulation to follow certain procedures with regard to debit card transactions. The transaction in question was initiated on 7/7/2015 and is referred to as an "Authorized Hold". These transactions may disappear and reappear depending on how the initiating company processes the transaction. This can result in a transaction showing up after a customer's debit card has been closed.Thank you for the opportunity to explain Tri Counties Bank's position and to address Mr. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]Operations AdministrationTri Counties Bank

Consumer

Response:

I am rejecting this response because:The company attempted the charge multiple times during a period spanding over a weeks time stated by the fraud department which I have a recording of,the fraud charge showed pending the same day the card was canceled,then droped off and reappeared for three consecutive days following due to the bank allowing the charge to continue to pend to the account after complaints and a dispute was made to the fraud department.Also I recieved horrific customer service reguarding my desire to close the account due to the fraud and banks poor response dealing with the issue.My complaint will stand and will not be resolved with the obsurd response made by the bank reguarding federal guidelines causing them to allow a fraud charge to continue posting on a closed bank card.

Review: Tri Counties bank wound up holding my mortgage after I refinanced a few years ago. The mortgage was shuffled between a few banks and wound up with them. A few months ago I started receiving notices that they didn't have proof of hazard insurance, which is required for them to hold my mortgage. The noticed stated that if they didn't get proof they would buy insurance for me and apply the cost to my mortgage payment.

So I got proof from my insurance agent and sent them an email with an attached pdf of my proof-of-insurance. I received no confirmation and instead yesterday I got a notice that they went ahead and bought insurance in my name, without my consent and at a ridiculously high rate.

This is a shocking practice of sending notices, ignoring responses, and over-billing customers who are in good standing.Desired Settlement: Please discontinue the unwanted and unneeded insurance at once and remove any and all bills and charges for such service from my monthly mortgage statement.

Business

Response:

Mr. [redacted],

Attached is the response letter of Tri Counties Bank for the complaint

that was submitted by Mr. [redacted] on 5/19/2016 and was

assigned an ID of [redacted]2. If you need any additional information please

feel free to contact myself.

Thank you.

[redacted]

Operations Administrator

Tri Counties Bank

[redacted] ext. [redacted]

Business

Response:

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Mortgage Loan with Tri Counties Bank and a letter he received regarding Force Placed insurance.Beginning in March 2016, Tri Counties Bank sent multiple letters to Mr. [redacted] regarding the Bank's need for updated evidence of insurance on the property secured by his mortgage loan. Our records indicate that we received adequate proof of insurance from Mr. [redacted] on 5/17/2016, and that Force Placed Insurance was not charged to his loan. Mr. [redacted] spoke to our Insurance Center on 5/19/2016 and was informed that we had received the proof of insurance on 5/17 and we cancelled the order for Force Placed Insurance at that time. Mr. [redacted] was not charged for this insurance nor was any charge or fee added to his loan.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,[redacted]Operations AdministrationTri Counties Bank

Consumer

Response:

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

Review: TriCounties Bank purchased several [redacted] branches in Northern CA and all [redacted] customers were notified that the transfer would occur on and after March 18, 2016. TriCounties was to take over my local [redacted] branch and since I did not wish to move my account to Tri-Counties, I closed my [redacted] account on March 11, 2016.

For some reason my account that had been closed with [redacted] prior to the transition deadline did not properly transition after March 18 and TriCounties kept my account open, although I had not authorized the account to be transferred. They charged me maintenance fees for low balance (since the account had no funds upon transfer because I had closed it prior to) for an account that I never opened.

On July 7 I visited the local TriCounties branch to close my account. The account had already been closed due to being overdrawn. There was a negative balance of -$9.98 for maintenance fees applied to the account. Thought I related to them that I had never authorized this account to be opened, they still refused to reverse the fees and I was forced to pay the $9.98 in order to resolve the matter.

I have serious concerns that in the future this could negatively affect my credit and/or banking history related to an account that I never authorized to be opened. In the event of future problems I would like to be able to immediately provide a letter from TriCounties that would disclose that this account was never owned by me nor should it reflect on my credit or banking history. This would provide quick resolution to a dispute for any potential future negative reports.

I am a college student trying to build my credit history and can ill afford to have a erroneous report on my credit or banking history that I had an overdrawn account.Desired Settlement: Refund of the $9.98 in fees. I must receive written assurances that the negative status of the account shall not be reported to any banking entity, credit agency, or any other communication that would appear negative in nature. I must also receive a letter that expressly discloses that the account was not opened through my authorization, should have not been in existence, that any negative balance was due to bank error, and that there should not be any negative reports related to this account.

Business

Response:

Thank you for forwarding the inquiry from Ms. [redacted] regarding her Savings account that was transferred to Tri Counties Bank from [redacted] during a recent acquisition of three [redacted] branches in Northern California.The information for accounts to be transitioned to Tri Counties Bank was supplied by [redacted]a. [redacted] included Ms. [redacted]'s account in the conversion files they supplied to us. Because Ms. [redacted]'s account relationship with Tri Counties Bank is now closed. Ms. [redacted]'s savings account with Tri Counties Bank was transitioned from [redacted] at close of business on March 18th and remained open until it was closed on June 28, 2016. There was no negative reporting on her credit or banking history regarding her account that was opened with Tri Counties Bank.On July 19, 2016, Tri Counties Bank issued Cashier's Check [redacted] for $9.98 to refund Ms. [redacted] the amount she paid in maintenance fees. The check is payable to [redacted] and was mailed to her address on file.Thank you for the opportunity to explain the sequence of events related to Ms. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]

Review: I made a mistake by opening a personal banking account when I should have opened a business account.

On 10/7/15 I spoke to [redacted] as I/we discovered the mistake at the same time. She interrogated me and I told her I recognized the problem and agreed to come in on 10/13/15 to close one account and open another.

I went to the bank as promised to remedy the problem and was met by [redacted] who told me the account has been closed and the bank did not want my business. When I asked why and what was is going on she said, “I don’t have to answer any of your questions”.

I was embarrassed and humiliated! I went out to my vehicle to retrieve my merchants account documents and returned to the bank only to see [redacted] run and hide.

On 10/14/15 I spoke to [redacted] (bank manager) to try and “solve” this situation and she also told me, “The bank does not want your kind of business”! I asked, “What kind of business is that”? Her response was “money laundering”! I was stunned!

I don’t know who she’s told this too, the FBI, Homeland security, etc. This is scary and I don’t need the stress as I’m being treated by the VA for severe PTSD.Desired Settlement: I want an apology from [redacted] and [redacted] in the bank, in front of employees and customers; the very same place they embarrassed and humiliated me. Secondly, I want a business checking account.

Business

Response:

Thank you for forwarding the inquiry from Mr. [redacted] regarding his Checking Acct. [redacted] and the customer service he received from the Weaverville branch. Mr. [redacted] opened his account at our Weaverville branch February 4, 2015. In checking our records we found that Mr. [redacted]’s account was closed by the bank on October 7, 2015. 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 cause. It 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 Management. While 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 concern. Should you have any additional questions please feel free to contact me. Sincerely,[redacted]Operations AdministrationTri Counties Bank

Consumer

Response:

I am rejecting this response because: Tri-Counties Bank manager in Weaverville accused me of money laundering. They did so with proof or evidence. Tri-Counties generated a report based on "nothing"; this report has "black listed" me from using another bank. I have twenty or so legal documents proving a legal LLC, tax ID and a Certificate of Formation. Tri-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 evidence. I want an apology from the Tri-Counties branch manager and Tri-Cpounties so called security department!