UFB Direct, a division of BofI Federal Bank

Dear Mr. [redacted],
Please allow this letter to serve as a response to the complaint that you lodged against Bofl FederalBank with the Revdex.com (Revdex.com). I apologize that you did not have a satisfactoryexperience in the application process for an account. However, the...

decision to decline your accountapplication was because you attempted to submit several applications within a short timeframe.Our system is set to decline them if they exceed our criteria, as this is sometimes an indication ofsuspicious or fraudulent activity.Because of the difficulty that you have had submitting an application, I understand that [redacted] hasreached out to you to assist you with re-applying for your account. She will work with you toensure that we receive your application and that it is properly reviewed.
Again, we apologize for the difficult experience you had in applying for an account with us. We aregrateful for your desire to bank with us.
Please feel free to contact us if you have any other questions.
Sincerely,
[redacted]
Compliance Officer

This email is to acknowledge receipt ofyour correspondence from [redacted] #[redacted]. BoflFederal Bank takes consumer feedback very seriously. We have fully reviewed this matter and adetailed response has been emailed directly to the consumer on April16, 2015.
In order to protect...

consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at (858) 649-2186 [redacted].Sincerely,
[redacted]
Compliance Officer

This email is to acknowledge receipt of your correspondence from [redacted]. Bofl Federal Banktakes consumer feedback very seriously. We have fully reviewed this matter and a detailedresponse has been emailed directly to the consumer on January 21, 2015.
In order to protect consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at (858) 649-2186 ext [redacted] ..
Sincerely,
[redacted]
Compliance Officer

January 23, 2015
Revdex.com Case ID number: [redacted]
This email is to acknowledge receipt of your correspondence from [redacted]. Bofl Federal Banktakes consumer feedback very seriously. We have fully reviewed this matter and a detailedresponse has been emailed directly to the...

consumer on [insert date].In order to protect consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at ###-###-####.
Sincerely,[redacted]Compliance Officer

Dear Mr. [redacted],Please allow this letter to serve as a response to the complaint that you lodged against Bofl FederalBank with the Revdex.com (Revdex.com). I apologize that you did not have a satisfactoryexperience in the application process for an account. However, the decision to decline your...

accountapplication was because you attempted to submit several applications within a short timeframe.Our system is set to decline them if they exceed our criteria, as this is sometimes an indication ofsuspicious or fraudulent activity.Because of the difficulty that you have had submitting an application, I understand that [redacted] hasreached out to you to assist you with re-applying for your account. She will work with you toensure that we receive your application and that it is properly reviewed.Again, we apologize for the difficult experience you had in applying for an account with us. We aregrateful for your desire to bank with us.Please feel free to contact us if you have any other questions.Sincerely,[redacted]Compliance Officer

This email is to acknowledge receipt of your correspondence from [redacted]. Bofl Federal Banktakes consumer feedback very seriously. We have fully reviewed this matter and a detailedresponse has been emailed directly to the consumer on January 21, 2015.In order to protect consumer privacy, we are unable to provide you with the details. If you haveany questions or concerns, I may be reached at (858) 649-2186 ext [redacted] ..Sincerely,[redacted]Compliance Officer

On Nov 3rd, I submitted an online application for a Airline Rewards Checking account (Application ID #[redacted]). Within a few days I received a distressing email saying that my application was denied and this was due to information found in my Chexsystems consumer file. I knew this to be incorrect because, in addition to having an excellent credit score and consumer profile, I viewed a copy of my ChexSystems report a few months ago and found nothing. Concerned, I immediately ordered another copy of this report which UFB stated had information that was the basis of my denial. I recieved it a few days later only to find it had absolutely no derogatory information whatsoever in it. But it does show that Bank Of Internet made six (6) inquiries all on Nov 5th. I am not sure if this was a computer error or what but seeing as there is nothing in my file that could be remotely considered as negative and there were 5 inquiries in one day I called customer service to inquire about this. The representative was unhelpful and would not allow me to speak with a supervisor or anyone empowered to find out what was going on.

I dont know where else to turn because UFB Direct does not have an effective way for customers (or would be customers) to get in contact with the departments needed to sort this type of thing out. You are put on hold while a customer service rep contacts them and relays your message. Then they come back and relays their message back to you. This back and forth can go on for quite a while and is not very productive when you are trying to problem solve.