Tri-Counties Bank - all area branches

Review: On the day of 9/24/14 I was charged a fee of 29.50 on my bank checking account for insufficient funds. On the day of 9/25/14 a bill was processed in my account for $39.00, which I was not aware I was receiving this bill into this account due to the fact that I was in the process of closing this account. Today 9/26/14 I checked my account balance and noticed I was overdrawn a total of $68.29. With my understanding my account should of have had nothing taking out as I was in the process of changing all my bills to my new account. On 9/26/14 as soon as I was on my lunch I went to discuss my over drawn issue with Tri Counties bank. Upon these charges I had thought this "insufficient funds fee" was an error of another date 9/17/14, which I spoke with a representative about on that day of 9/17/14 and [redacted], the representative, stated no fee would be charged due to the fact I was changing accounts and I paid the fee. On 9/26/14 I discussed this issue with the branch manager who was very rude and defensive towards me at the branch office and informed me she would discuss this issue with [redacted] upon her return for lunch which would be over at 12:30 PM. I did indeed pay the fee from 9/26/14 from my bill that was taken out of this account of the $39.00. 3:30 PM came by and I still have not received a call, I called and asked to speak with [redacted] regarding this matter and she had informed me that the Insufficient funds fee was for the fee of 9/25/14 being processed a day later with no funds in my account. I did explain to [redacted] that I was not aware that I was going to have this bill taken out of this account and I did ask for a One time courtesy reverse, especially because I did just go in to pay the $39.00 fee but was unable to do this for me, stating that it was not a bank error. From my understanding I should be able to have a onetime courtesy reverse for my unknowing bill coming from this account and also because I have been an excellent customer of Tri Counties bank for over two years.Desired Settlement: The insufficient fund fee for $29.50

Business

Response:

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,

Customer Service Department

Tri 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: On both 11/20 and 02/17, I was charged $5 as an Advice of Difference in Deposit. I always triple check my deposits before putting them in the ATM so I know I am correct. After the first time, my suspicions were raised about Tri Counties employees. As I thought, it happened again. Interesting it was $5 both times and from the same ATM in Folsom, CA. It looks to me like someone from Tri Counties is stealing money out of the ATM deposits. I have filed a complaint with the bank and have asked for my $10 back. All I got in response was a "too bad, so sad". I'm out $10 but I'm sure one or several of their employees is up by quite a bit. Who knows how many $5 bonuses they've helped themselves to over the past several months?Desired Settlement: $10 returned to my bank account and I will no longer use the ATM. I will only use the tellers so I can watch them handle the money.

Business

Response:

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.

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.

Getting frustrated with TriCounties Bank, Chico. For one, each call I make to the 800 Number results in me waiting on the phone for approximately 40 minutes. Apparently there are some online password issues that is the reason for this but it's been going on for over a month now. The reason I'm writing though is because I had my account blocked and I called to find out what the issue was. When I call TriCounties bank to ask a question these days, I get unprofessional people who don't seem to have very good customer service skills. The operator told me she had no idea why they put a block on my account and she said "hold on..." Well I held for 43 minutes and I eventually hung up!! Called back again when I had more time, reached a customer service rep who also could not tell me why it was blocked, then (nicely) explained she would have to put me on hold to reach a higher tiered rep and warned me that it might take a while. I waited about 1/2 an hour and reached a supervisor. She told me that I had tried my password too many times and I had to be sent a new card! So they canceled my card without telling me and I had to call in before a new card was sent? This was March 26th. I called over the weekend, April 2, and was told someone from the Fraud Department would call me on Monday, April 4th. No one called. I called towards the end of the day, April 5th, inquiring about my card and I was told it was on it's way. I spoke with a supervisor again about the reason it was canceled and he told me it was because it was used by a company in Europe!! O was also told that day that the card didn't get sent until Tuesday, March 29th (I don't know why it took 4 days since my request, they could have sent it that Monday). The card came in yesterday, April 5th. I went to the bank just now and told the customer service rep about my problems with Tri-Counties and he seemed to care about as little as he could. Not an empathetic bone in his body. This is on Notre Dame Blvd in Chico. (They used to be nice there). When I told him I had called the 800 number he said "oh don't call the 800 number, that'll get you no where." Up until very recently customer service is the only reason why I have stayed with Tri-Counties Bank. It's the one thing they've got going for them. It *was.*

Review: On Tuesday July 21, I was on my way to Anaheim CA, where I was going to stay with my best friend until Sunday the 26th. I returned to work on Monday as normal. A few days later I decide to check my recent transactions, only to find out there had been a huge unauthorized withdrawal made in Northridge through Bank of America that posted on July 28, which was two days after I had returned home. Not to mention Northridge is about 60-90 minutes north of where I was staying, nor was it on route back home. Worried, I look and find my card in its place. I call and file a dispute with my bank, notifying them of the fraudulent transaction. They said they would get surveillance of the ATM and have me review it when they got a hold of it. A few days later I receive a letter stating that no error occurred. I call to ask for documentation, and they say they will have file for it. They never bothered to find documentation the first time, which is what I had requested from the beginning. They should have been working to get surveillance, but instead did nothing since they considered it an authorized transaction due to the withdrawal being done with a PIN.I feel that they have failed to address the issue by not wanting to further investigate, or share the basis of why they said it was an authorized transaction, forcing me to try and get the video on my own.Desired Settlement: I would like Tri Counties Bank to throughly investigate this issue by identifying who withdrew my money without authorization.

Business

Response:

Thank you for forwarding Ms. [redacted]'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 account. Our 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. [redacted] requested that we obtain footage from Bank of America to determine who conducted the withdrawal. Unfortunately, we are not able to obtain security footage because it could lead to violation of privacy of Bank of America's customers. We do take these matters seriously and understand Ms. [redacted]'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 privacy. In this case, Ms. [redacted] 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. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]Operations AdministrationTri Counties Bank890 Fortress St.Chico, CA 95973Phone: 530-898-0300 Ext. 88959Email: [redacted]

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 15, 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) and then subsequently charged me with additional overdraft fees for a negative balance for maintenance fees on an account that I never opened.

On July 7 I visited the local TriCounties branch to close my account. While they did close my account and reluctantly reversed the charges, they would not provide me with documentation confirming that the account should have not remained open nor should have been overdrawn.

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.Desired Settlement: 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 that I had allowed the account to be overdrawn.

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 Mr. [redacted] regarding his Checking 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]. [redacted] included Mr. [redacted]'s account in the conversion files they supplied to us.Because Mr. [redacted]'s account was transitioned to Tri Counties Bank, there will be a reflection of an account relationship with Tri Counties Bank that is now closed. Mr. [redacted]'s checking account with Tri Counties Bank was transitioned from [redacted] at close of business on March 18th and remained open until it was closed on July 12, 2016. 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. [redacted]'s concern. Should you have any additional questions please feel free to contact me.Sincerely,[redacted]

Janet on pilbury rd just treated me extremely short on the phone. I am just a human with questions!!!I felt like asking you"did I do something to you?" I hope you're not in a role where your training because your customer service seems like your annoyed and could care less!!!!!

Review: On 11-24-14 just after 12-noon I deposited 50-dollars into my personal account and then went shopping. This bank is located inside [redacted] on Lake Blvd., Redding CA. 96003At checkout my card was denied for insufficient funds. My mistake. However, I presumed it was the banks mistake. The real mistake on the banks behalf was the way I was treated being told to go to the end of the line. I'm 57, I have a very bad back (I'll come back to this) copd, type-1 diabetes, 1-heart attack, I have a defibrillator and pace maker in my chest. I decided to yell from the back of the line "Great Customer Service"! which got me some attention.As I approached the front of the line my back was giving out so I reached for the desk where the deposit slips are kept to lean against. Big mistake. Desk is on wheels. I just about landed on the floor. I think it was [redacted] I screamed and then apologized to God. Some old lady, a busy-buddy shot me a nasty look (probably an atheist) and when I told her to mind her own business the Banks Employee [redacted] told me I was a disturbance and if I didn't quite down she would have security remove me. Really? I did not respond to this threat. My groceries are waiting for me 50 feet away. What would have been the response had I not caught myself and fell? Who has a customer counter on wheels? Tri-Countys bank inside [redacted] on Lake Blvd. does and it's a lawsuit just waiting to happen. [redacted] wasn't a bit concerned about my condition from almost hitting the floor. Her racist attitude was I'm just another old white man. She should have offered her service. How may I help is what she could of and should have asked but she's far from professional. I banked with North Valley for 17-years.....I did not ask for this take-over. I've shopped at [redacted] on Lake Blvd. now for 9-years and the 2nd. time I use the bank facilities in that store this is what I get. I get threatened by this woman [redacted].Desired Settlement: I believe [redacted] should be terminated or transferred to another location as I shop at this [redacted] on a nearly daily basis. Termination would be best in the long run for Tri-Counties bank.The deposit slip counter should be nailed down, screwed down, glued down you pick because, right now it's like a sailboat on wheels. I think I did hurt myself but my doctor is out of town for the Holidays. I should seek a judgement against this bank but it's just not me. However, [redacted] needs to go.

Business

Response:

Thank you for forwarding the inquiry from Mr. [redacted] regarding his experience when visiting our Redding, Lake Blvd. InStore Branch on November 24th, 2014. We are aligning our response to the information shared by Mr. [redacted] regarding the desk on wheels.Tri Counties Bank takes our customer's safety very seriously. Upon the receipt of Mr. [redacted]'s letter we reached out to our Redding, Lake Blvd. Branch Manager and our Facilities Manager to research the options available for modifying the desk or cart in question. They will be removing the wheels and possibly relocating the desk/cart. The cart is used by customers when preparing their transaction for deposit. We want to thank Mr. [redacted] for sharing his experience and thank you for the opportunity to review his concern. Please feel free to contact me should you have additional questions.

Consumer

Response:

I am rejecting this response because: Not even a mention or, apology for the unprofessional behavior of Tri County Banks "Senior Banker" [redacted]. 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. [redacted].