Union Bank

Dear *** ***
The Office of the President for MUFG Union Bank, N.A., ("Union Bank") is in receipt of your Revdex.com ("Revdex.com") complaint, with regard to fees that were assessed to your checking accountI am responding on behalf of the Office of the President and we appreciate
the opportunity to address your concerns
In reviewing your Revdex.com complaint, you shared that you were promised a free checking account as long as you setup a monthly $automatic transfer to your saving accountYou claim that you were charged a $fee twice and that moving forward you would be assessed a $fee per month for your checking accountDue to this you felt that the Bank was in breach of contract
With respect to your claim, research revealed that the fee waiver you are describing is the Bank's ongoing promotion to waive the monthly service charge for active saving accountsIn investigating if this was ever connected to checking accounts, we found that, as per other financial institutions, Union Bank offers free checking should the customer checking account receives a minimum of $in direct deposit or the a minimum number of mobile deposit transactionsThe monthly $automatic transfer allows you to waive the minimum saving account balance and monthly service chargeWhile we regret to hear that you misunderstood to promotion, the information regarding monthly service charge waivers is communicated with the account's disclosures and fee schedule provided to you at the time of opening and recommendations provided to you on your monthly account statements
Please be advised that in investigating your claim of being charged the $monthly service charge, research revealed that the Bank had already provided fee refund to your account on August 31, 2016, and September 1,
*** ***, while I understand that this was not the resolution you were hoping for, we appreciate the opportunity to address you Revdex.com complaint
Sincerely,
*** ***
Office of the President / Customer Care
MUFG Union Bank, N.A

Complaint: ***I am rejecting this response because:The company did not address the issue
You may close this case as Union Bank has made it clear they are not willing to address or resolve this issue
Sincerely,*** ***

Dear *** ***:
Union Bank is in receipt of the complaint you filed with the Revdex.com (Revdex.com)I am responding to you on behalf of
the Office of the President
In your complaint, you advise that a Union Bank employee refused to assist you with a fraudulent check claim and also indicate that funds were withdrawn from an incorrect accountAs a resolution, you ask for an explanation of why this occurred.
We value your concerns and strive to deliver exceptional service to every clientAs such, we have conducted an extensive review on your **st recent account activity, including the subsequent overdraft, and wish to share the following timeline with you:
On March 29, 2018, you visited the Lake Murray branch and requested research on a draft debited from your account for $28.87, as you were unsure if this was authorized by youAlthough your visit was after business hours, our staff attempted to assist you and contacted the merchant in questionDuring the conversation with the merchant, limited information was provided and our branch staff requested additional time to research this matterOur staff offered to place a restraint on the account and contact you to file a claim, if neededDuring that time, you initially declined the request to leave the branch until full research was completed; you later agreed but asked to complete a withdrawal from your accountAlthough you did not have the account number available at that time, you asked to withdraw from the account that held the largest balanceOur staff verified the account balances and you agreed to the withdrawal by signing the withdrawal slip. After completing the transaction, our staff informed you that our office was closed and asked to continue research the following day; however, you continued to request for research to be completed afterhoursAfter a number of additional requests from our staff, you agreed to leave the office.
We understand that you later visited the La Mesa branch where you were given credit for the a**unt of the draft and a new account was openedWe are sorry to learn the $withdrawal was not debited from the account you intended but are glad to learn that the La Mesa branch was able to assist you by transferring $to this account from your other Union Bank account
Thank you for speaking with me on April 12, 2018, to discuss your concerns. As a follow up to our conversation, I have attempted to obtain additional information regarding the transaction in question by calling the phone number listed on the draft. The vendor advised that the transaction was an online purchase for a **nthly a website subscriptionThe purchase was initiated on February 21, 2018, at 9:amWe regret that no other information was provided by the merchant but we are glad that we were able to provide you with the credit for the transaction
*** ***, we understand that this situation might have been a frustrating experience for you and we regret any inconvenience this matter may have caused. We apologize that we were unable to fully resolve your concerns after our branch hoursWe are glad to learn you were provided with a credit for the transaction in question and a new account was establishedWhile we regret to learn of your dissatisfaction, we trust this response addresses your inquiryThank you for the opportunity to review this circumstanceI welcome you to contact me directly at (*** ***, should you wish to discuss further
Sincerely,
*** ***
*** *** ***
Office of the President
Union Bank

Initial Business Response /* (1000, 5, 2016/01/25) */
Dear Ms. [redacted]:
MUFG Union Bank, N.A., (the "Bank" or "Union Bank") is in receipt of your recent Revdex.com (the "Revdex.com") complaint regarding the closure of your account. I am responding on behalf of the Office of the President...

and I appreciate your patience while waiting for our response.
In summary, you shared that you were upset because the Bank did not notify you that your account was going to be closed.
I appreciate the opportunity to review your circumstance and in response wish to relay the following:
First and foremost, I'd like to notify you that a written response was provided to your pertaining to this circumstance.
Research revealed that your account reached a zero balance, which was the reason why your account was closed.
We regret to be notified of any hardship or inconvenience this may have caused you. Should you have any questions, please contact us directly at [redacted]@unionbank.com or write to us at:
MUFG Union Bank, N.A.
PO BOX 953
New York, NY XXXXX
Mail Code: BXX-XXXX
Attn: The Office of the President
Sincerely,
[redacted]
Office of the President / Customer Care
MUFG Union Bank, N.A.

Initial Business Response /* (1000, 5, 2016/03/11) */ Dear Ms. [redacted]: MUFG Union Bank, N.A., (the "Bank" or "Union Bank") is in receipt of your complaint to the[redacted] with regard to you recently being charged insufficient funds fees and your interaction with the...

Bank's Retail Customer Service over the telephone. I am responding on behalf of the Office of the President and we appreciate your patience while waiting for our response. First and foremost, thank you very much for taking the time to bring these matters to our attention. We appreciate your time and effort of being able to do so. Union Bank is dedicated to providing our clients with an unparalleled level of customer service. This is a commitment we take very seriously. Should issues arise, we want to ensure that we quickly and effectively remedy the situation. With that said, per your [redacted] complaint, it appears that this was not the case. Please be advised that I had the opportunity to review the recording of your call with the Bank's Retail Customer Service agent you spoke with regarding the insufficient fund fees you were inquiring about. With regard to your complaint, you shared that the Bank's customer service brushed you off as being wrong and didn't take the time to listen to your logic of why you were charged too many fees. Research revealed that this was not the case. The customer service agent handled your call very amicably and professionally. From what I could discern, there was no contestation or dismissal of your inquiry as she only communicated why you were charged the fees. With regard to your request to be refunded insufficient funds fee for $99, as you feel that these fees are unfounded, please be advised that we have your account under review to see if there was a Bank error. Should there be a Bank error, we will definitely provide you with a refund. Please be advised that a final determination with regard to your fee refund request will be provided to you in writing within 7-10 business days. Should you have any questions please contact us at ([redacted] or email us at [redacted].com. Sincerely, [redacted] Office of the President / Customer Care MUFG Union Bank, N.A. Initial Consumer Rebuttal /* (2000, 7, 2016/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept their response as they have my account under review for bank error. I will wait for their final decision.

Initial Business Response /* (1000, 5, 2016/01/20) */
Contact Name and Title: [redacted], Officer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unionbank.com
Your concerns are important to us, and we appreciate the opportunity to address them. We apologize that your earlier...

letters were not responded to. In order to help customers with their accounts, we ask for our customers to visit us in-person at a local branch or call our customer service department at (XXX) XXX-XXXX. One important reason that we ask for our clients to visit in-person or call us is to prevent identity theft by performing customer identification.
Because your ability to contact us is limited temporarily, as a one-time courtesy exception, we have enclosed copies of the past three months of your account's statement. In the future, any requests for assistance with your account should be writing and include notarization.
As an additional alternative, you may wish to consider establishing a Power of Attorney on your checking account to assist you with your banking needs. Should you wish to establish a Power of Attorney on your account, you will need to have the designated appointee visit a local Union Bank office to obtain the bank's required Power of Attorney form. The completed and notarized form will need to be returned to Union Bank and approved in order to make the Power of Attorney effective. We recommend that you seek legal advice to determine any other available options for you.
Mr. [redacted], thank you for the opportunity to review and respond to your concerns. Should you have any additional questions, you are welcome to write to us at the address listed below.
Sincerely,
[redacted]
Officer
Office of the President/Customer Care

Complaint: [redacted]I am rejecting this response because:The response does not address or correct the terrible customer service I was subjected to.
Sincerely,[redacted]

Dear [redacted]
It is with deep regret to learn that you closed your accounts. Should you have any further questions or require any assistance, please feel free to reach me directly at the Bank's Office of the President at [redacted]
Sincerely,
[redacted]
Office of the President / Customer Care
MUFG Union Bank, N.A.

Initial Business Response /* (1000, 5, 2016/01/12) */
Contact Name and Title: [redacted], Officer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unionbank.com
Your concerns are important to Union Bank, and we appreciate the opportunity to address them. Anytime a customer...

raises concerns of embezzling, this is a serious issue for the bank to review and address. After reviewing your account, please be assured that all applicable fees, including monthly services, are disclosed when an account is opened. Occasionally, updates to our product offerings, including discontinuing or introducing products, will result in a change to the cost of a fee and how the fee could potentially be avoided. When this occurs, we will notify our customers in writing. Based on our review of your account, we can confirm monthly service charges were automatically assessed to your account as the guidelines to avoid the fee were not met.

In reviewing our letter to you dated July 7, 2014, this communication informs you that online banking and bill pay is available to you as a free service. The letter also states that, "Other charges, such as overdraft fees and regular monthly service charges for some accounts will still apply."
While your account may have been assessed a monthly service charge in the past, there are options to avoid this particular fee. Effective February 1, 2016, your account will not receive a monthly service charge when you have any one of the following during each monthly statement period:
1. Combined direct deposits of $500 or more
2. Combined mobile check deposits of $500 or more
3. $1,500 Average Monthly Ledger Balance
4. $5,000 monthly Combined Balance in eligible Linked Deposit Accounts (Linked Accounts must have at least one like owner)
Occasionally, we may place a temporary waiver on monthly service charges as a courtesy or to allow our customers time to meet the requirements to avoid a fee. In review of your account, it appears we have extended this courtesy to you in the past. As a final courtesy, the Office of the President has placed a temporary monthly service charge waiver on your account. The waiver will expire in January 2017. Additionally, we have credited your account $60 in monthly service charges you were assessed during the last six months. After the waiver expires, it is our hope you will be able to take the necessary steps to meet the requirements to waive your account's service charge. If for some reason you are unable to, we may be able to explore potential account options to minimize fees. Please call the Office of the President at (XXX) XXX-XXXX or email us at [redacted]@unionbank.com.
Ms. [redacted], you are a valued customer. Thank you for the opportunity to review and respond to your concerns. Should you have any additional questions, please do not hesitate to contact us. Thank you for banking with Union Bank.
Sincerely,
[redacted]
Officer
Office of the President/Customer Care

At Union Bank, we strive to provide exceptional service to our customers at all times. When we acquired our credit card portfolio from First Bankcard, our goal was to create as seamless as a conversion as possible. We recognize this was not your experience and sincerely apologize for missing the...

mark of excellence. Please know your concerns are important to us and have been reviewed by senior management. In response, we wish to share the following with you:
 
We are aware of the long hold times customers are experiencing and apologize for the delay in answering your call. The bank is committed to addressing the long hold times and expects to see improvement in the near future.
Thank you for notifying us about the issue you experienced with being transferred between various bank departments. For your reference, we have established a phone number for our valued Priority Banking customers to call for help solely with their credit cards. In order to ensure your call is connected with the correct staff, please contact our Priority Banking Credit Card Services directly at ([redacted]
With regard to your business credit card showing in your personal online banking, there was an issue not known to Union Bank during conversion which is causing this difficulty. We are aware of this issue and are working towards identifying and implementing a solution. Thank you for your patience while we rectify this matter.
The bank has sent you a secure email which contains your login credentials. To access your credit card account online, please visit us at[redacted]
Once you have signed into your credit card account online, you have the ability to validate the limits for each employee card and modify limits. Unfortunately, our branch staff does not have the ability to perform this function for you at this present time.
 
[redacted], your relationship is important to us. We sincerely apologize for the difficulties you have experienced post-conversion. Please know we are taking steps to improve the level of service you are experiencing. Thank you for banking with Union Bank.
 
Sincerely,
 
 
 
[redacted]
Officer
Office of the President/Customer Care
Union Bank
 
cc: Revdex.comTell us why here...

Dear Ms. [redacted]:
The Office of the President for MUFG Union Bank, N.A., ("Union Bank") is in receipt of your Revdex.com ("Revdex.com") complaint. I am responding on behalf of the Office of the President and we appreciate the opportunity to review and address your concerns.
In review of...

the complaint, I would be more than happy to refund you the ATM fees that have been already assessed to your account. Currently, there is only 1 ATM fee for $2.00 that was assessed on September 26, 2016. We will not be able to refund the additional $3.00, as you claim, until the fee actually hits the account. I believe this is what the customer service representative was attempting to communicate with you.
Please contact us directly at ([redacted] to make the additional refund request should the $3.00 hit your account.
Sincerely,
 
[redacted]
Office of the President
MUFG Union Bank, N.A.

Dear Mr. [redacted]:
 
Union Bank is in receipt of a complaint forwarded by the Revdex.com dated February 6, 2018.  We are responding to you on behalf of the Office of the President.
 
In your complaint, you indicated you opened a Banking by Design checking account...

to take advantage of a $200 promotional bonus being offered. Upon completing the required transactions you explained that multiple calls were made to inquire about redeeming the bonus, but you have not received a satisfactory resolution. You ask for the $200 bonus to be deposited into your account.
 
Thank you for taking the time to relay your concerns. We are sorry to learn of the experience you described in your complaint and would like to address your request.
 
Customer Service
 
We regret to learn your experience with Retail Customer Service was not satisfactory. You are a valued customer, and we appreciate that you brought these instances to our attention. We have referred your concerns to Senior Management as your feedback is helpful to improve our goal of delivering service excellence.
 
Promotional Incentive
 
Our research revealed that your account did qualify for the promotional incentive because you completed 10 debit card transactions within 60 days of account opening. Your account has been credited. Please accept our sincere apologies for the inconvenience this has caused you. 
 
Mr. [redacted], thank you for the opportunity to review and respond to your concerns.  We trust the information explained in our response will be useful to you.  Should you have any questions, please feel free to contact me. Thank you for choosing Union Bank.
 
Sincerely,
 
 
 
[redacted]
[redacted]
Union Bank

Initial Business Response /* (1000, 5, 2015/11/18) */
Contact Name and Title: [redacted], Officer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unionbank.com
Your concerns are important to us, and we regret to learn of the dissatisfying experience you reported. Union Bank...

treats all customer concerns highly; especially, issues related to ethics and discrimination. We are committed to fostering economic, social, and environmental sustainability across our business practices and employee culture. The Office of the President has reviewed this circumstance with senior management. In response, we wish to explain the following:
After receiving your application, the bank determined your debt to income ratio was higher than permissible for the line of credit amount you requested. We were able to conditionally approve a counteroffer, however, and sent you a letter to notify you as such.
Subsequently, our Bayview branch was provided a list of credit accounts which were required to be paid-off as part of the counteroffer. Please refer to the letter we have mailed you for a summary of the stipulations.
We received a response from our Bayview branch indicating you had accepted the counteroffer. We apologize for any frustration you encountered in reaching our branch staff to relay your acceptance. Your feedback was referred to senior management to use as a training opportunity for our branch.
The bank sent you an approval letter based on the acceptance of the counteroffer.
After requesting payoff statements for the various accounts required to be paid-off as part of the counteroffer, you requested through your branch to not include four accounts in the payoff.
It is our understanding you are requesting to not include the certain accounts to obtain a higher limit on the line of credit. We would be glad to consider your request. Unfortunately, the documentation you provided us thus far was either incomplete or did not contain enough information to utilize. For example, one of the account statements you provided us did not have the name of the account holder. Please refer to the letter we mailed you for a summary of the documentation we are requesting.
Union Bank regrets any frustration you experienced during the line of credit application process. Based on our review of this matter, however, our investigation revealed the bank followed all applicable policies in its review of your credit request. We are satisfied that our Consumer Lending staff performed the proper due diligence in their review of your application and that discrimination was not a factor in the application's processing.
Alternatively, if you would rather proceed with the original counteroffer with the condition of paying off the stipulated accounts, please contact [redacted] at our loan processing department via telephone at (XXX) XXX-XXXX ext. [redacted]. Please be advised that the final date to accept the counteroffer is November 19, 2015. Due to the timing of this letter, we have extended the deadline to December 10, 2015. Since your credit report is now over 60 days old, it will be necessary for the bank to obtain a current copy. Should you contact Ms. [redacted], she will work with you to collect your authorization to retrieve an updated credit report. Please be advised that once a current credit report is obtained, the approval amount could possibly be affected.
Ms. [redacted], your concerns are important to us. We appreciate the opportunity to review your concerns and trust the information explained in this letter will be helpful in understanding the current status of your application. Should you have any questions, you are welcome to contact me at (XXX) XXX-XXXX. Thank you for banking with Union Bank.

Dear [redacted]:
 
Union Bank is in receipt of a complaint forwarded by the Revdex.com dated April 8, 2018.  We are responding to you on behalf of the Office of the President.
 
The complaint explains that you opted in to block all overdraft coverage and subsequent...

fees when you opened your account. You have a number of overdraft charges on your account and would like them to be reversed.
 
Thank you for taking the time to relay your concerns. We are sorry to learn of the experience you described in your complaint and would like to address your request. Our research revealed that you’re currently enrolled in Debit Card Overdraft Coverage. We have updated your account to reflect your request to opt out of Debit Card Overdraft Coverage. Going forward we will not authorize one-time debit card transactions and ATM withdrawals and you will not be charged Overdraft Fees for rejected debit card transactions. For help changing your Debit Card Overdraft Coverage in the future, please visit your local branch or call us at (800) 238-4486. We have reviewed your account and sent you a letter in the mail explaining our resolution.
 
We recognize this was a great inconvenience to you, and we sincerely apologize for the difficulty you experienced. You are a valued customer, and we appreciate that you brought this to our attention. Your feedback was invaluable, and will help us continue to strive for service excellence.
 
[redacted], thank you for the opportunity to review and respond to your concerns.  We trust the information explained in our response will be useful to you.  Should you have any questions, please feel free to contact me directly. Thank you for choosing Union Bank.
 
Sincerely,
 
 
 
[redacted]
[redacted]

Initial Business Response /* (1000, 5, 2015/08/18) */
Contact Name and Title: [redacted], Officer
Contact Phone: XXXXXXXXXX
Contact Email: [redacted]@unionbank.com
Your concerns are important to us, and we appreciate the opportunity to address them. In your case, we are reviewing...

a dispute you filed for the goods and/or services you authorized using your MasterCard Debit Card. Because you stated you authorized the transaction with the merchant, this dispute is not considered subject to Federal Regulation E. In an effort to assist you with resolving this matter, however, we are attempting a recovery chargeback. Our Claims Operations department will be responding to your dispute directly. As more details become available, please expect communication them. The Office of the President also mailed you a written response on August 18, 2015.
Ms. **, you are a valued customer. Thank you for the opportunity to respond to this matter. Should you have any additional questions, please contact me at (XXX) XXX-XXXX. Thank you for banking with Union Bank.
Sincerely,
[redacted]
Officer
Office of the President/Customer Care
Union Bank
Initial Consumer Rebuttal /* (3000, 7, 2015/08/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
A purchase means an exchange of money or goods or services! Money was taken and no goods or services were received!
Final Consumer Response /* (3000, 13, 2015/08/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You've been communicating with via Revdex.com's website prior and now all of a sudden I get this this [redacted]?
Final Business Response /* (4000, 15, 2015/08/25) */
Dear Ms. **:
Union Bank treats all customer concerns seriously. We appreciate the opportunity to review and respond to you. In our letter dated August 18, 2015, we outlined the steps we are taking to resolve your specific concern. In addition to our letter, I left you a message today, August 25, 2015. If you have any questions about the letter we sent you or if you have not received it, please contact me at (XXX) XXX-XXXX. I would be happy to address any questions to you personally.
Thank you again for the opportunity to respond to your concerns.
Sincerely,
[redacted]
Officer
Office of the President/Customer Care

At Union Bank, we strive to provide exceptional service to our customers. We regret to learn of your dissatisfaction and appreciate that you brought this matter to our attention. In response, we wish to explain the following:
 
As you know, Union Bank branded credit cards were previously...

owned and serviced by First Bankcard. We purchased a significant portion of our portfolio from First Bankcard and began to service your account, effective August 28, 2016.
We are firmly committed to the tenants of responsible lending. As part of this commitment, we undertook a significant campaign to notify our customers of the transition and the changes in the terms and conditions in their accounts. Approximately 30 to 45 days before the transition, impacted customers received several letters with important information to review about the accounts. Chief among these letters was a copy of your account’s Summary of Credit Terms.
Due to the fact that your account transitioned to us from another lender, we issued you a new account number. This information was explained within the notices we mailed you.
Effective August 25, 2016, customers were no longer able to access their accounts via First Bankcard’s website or mobile banking app. We offer a robust, convenient website for our credit card customers, however, which can be accessed at [redacted]
Your American Express credit card with First Bankcard was assessed an annual fee. When your account was transitioned to Union Bank, we discontinued offering American Express and MasterCard credit card accounts. Instead, we selected Visa due to the suite of products and benefits provided by Visa which we felt our customers would most value. Given your account featured an annual fee, the Summary of Credit Terms you received reflected your account would continue to be charged annually.
Your experience using your account and when you interact with our employees is important to us. We regret to learn that your experience with our customer service department was less than satisfactory. We have referred your comments to senior management for review and to use as a training tool for our staff, if necessary.
While the annual fee was applicable, the annual fee was refunded to your credit card as a courtesy on May 5, 2017. Please accept this letter as confirmation that the account is closed with no balance owed. If you are interested in reviewing other credit card options that may be available to you without an annual fee, please visit your local branch for assistance.
 
Mr. [redacted], you are a valued customer. We appreciate the opportunity to review and respond to your concerns. Should you have any questions about this letter, please call me at ([redacted] Thank you for banking with Union Bank.
 
Sincerely,
 
 
 
[redacted]
Officer
Office of the PresidentUnion Bank

When you opened your account, you were provided the terms and conditions of your account, a fee schedule, and a Simply State Product Guide. I have mailed a copy of the Simply Stated Product Guide for your account as it explains ways to avoid the monthly $5 service charge. Although account...

requirements are subject to change, you will be provided with ample notification should any changes occur.  
We recognize your concerns regarding monthly service charges to your account and have reviewed your recent account statements. The monthly service charge you were assessed on July 21,2017,  was valid as you did not meet the guidelines required to avoid it. Although there was not a valid bank error, we were glad to learn the monthly service charge was reimbursed on July 26, 2017.Tell us why here...

Dear [redacted]:
 
The Office of the President for MUFG Union Bank, N.A., (“Union Bank”) is in receipt of your Revdex.com (“Revdex.com”) complaint. I am responding on behalf of the Office of the President and we appreciate the opportunity to review and address your...

concerns.
 
First and foremost, I’d like to acknowledge and communicate that we truly appreciate the long-term relationship that you have built with Union Bank over the past 10 years. Keeping this in mind, it is one of Union Bank’s core values is to provide our customers with excellent service to maintain such long-tenured relationships. We regret to learn of your circumstance; however, we want to assure you that your concerns have reached the correct department and were addressed accordingly.
 
In reviewing your Revdex.com complaint, you shared that you had a difficult time in reaching a bank employee at the [redacted] in order to discuss the terms of a $250 promotion that was on the verge to expire. You claim in your Revdex.com complaint that when you were able to reach a bank employee to speak about the promotion, that the Bank would not consider honoring the promotion due to it being expired. Due to this you feel undervalued and hope that someone would help remedy this circumstance.
 
Research revealed that when you contacted the [redacted] office, you communicated that you understood that the promotion had expired; however, you would be more than appreciative if they could help you to see if the Bank would still be able to honor the deal. The branch office obliged and proceeded; above and beyond what they were required to do. The [redacted] escalated the matter, acting on your behalf, however, was unsuccessful due to the systematic expiry of the promotion. Simply, the [redacted] advocated on your behalf and they were not able to honor the promotion as it was no longer available for them to provide, even with an exception. It is with regret that we were not able to extend the promotion past the expiry date listed on the postcard.
 
While I understand that this was not the resolution you were hoping for, the Office of the President appreciates the opportunity to review and address your concerns.
 
Sincerely,
 
 
[redacted]
Office of the President
MUFG Union Bank, N.A.

Dear [redacted]:
The Office of the President for MUFG Union Bank, N.A., ("Union Bank") is in receipt of your Revdex.com ("Revdex.com") complaint. We appreciate the opportunity to address and review your concerns.
In review of your communication to the Revdex.com, research revealed that your...

concerns have been addressed by the Bank, prior by multiple levels of management, including the Office of the President, and Melodee Baskerville, Vice President and Manager, via telephone conversation and written correspondence on many different occasions. Please refer to the verbal conversations you had with [redacted], and the Bank's Employee Relations department with regard to your claims.
Union Bank’s goal is to provide exceptional service to each of our clients. Though we have made every attempt to accommodate your banking needs, we recognize we have not been successful and have decided to end your banking relationship with us.
[redacted], while it is with regret to have lost you as a customer, the Bank considers the decision to close your accounts final as it was determined that your actions were exceeding the Bank's risk tolerance as communicated to you. We appreciate and thank you for your long tenured relationship with us.
 
Sincerely,
 
[redacted]
Office of the President
MUFG Union Bank, N.A.

Dear [redacted]
 
We are in receipt of the complaint you filed with the Revdex.com. I am responding to you on behalf of the Office of the President.
 
Union Bank previously reviewed and responded to this matter. For privacy reasons, we have not posted confidential...

information regarding your accounts to the Revdex.com's website. A response was sent to your office today via Fed Ex. For your convenience, a copy of our original response letter dated April [redacted] was enclosed.
 
While we understand this may not be the resolution you desired, we wish to reaffirm that our original decision is final. As such, we will not engage in any further communication regarding this matter unless there is a business reason to do so.
 
Sincerely,
 
[redacted]
Officer
Office of the President
Union Bank