BNY Mellon

To whom it may concern, In reference to your latest email communications in which you have unilaterally closed the referenced case due to "lack of response", be aware that I accept the proposed actions by the company in question to resolve this matter upon the condition that they execute their proposed plan within a reasonable time frame I am not using names due to the inherent insecurity of open email communications Please reopen this case and update the records accordingly Also be advised that your time frames for response are unreasonably short and do not account for events outside the control of the respondent Because of this, when you close cases in an unreasonably short period of time, you remove any capability for secured communications with your organization In essence, your processes are forcing insecure communications and placing your customer's personal information at risk Thank you [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved. Sincerely, [redacted]

BNY Mellon is in receipt of the complaint filed by *** *** ***. BNY Mellon has researched this matter and has responded to *** *** by letter dated April **, (a copy of that letter is attached)

Dear *** ***: We received your inquiry regarding customer service issues experienced by *** *** ** ***Our records indicate that *** *** contacted Dreyfus on July *, requesting a copy of the High Yield Strategies annual reportThe representative he spoke with was unable to fulfill
this request and subsequently *** *** was transferred to other Dreyfus departmentsWe apologize for any inconvenience this may have caused *** ***Our records further indicate that the Report was shipped to *** *** on July *, Please note that we have since worked with our teams on proper handling of inquiries such as thisIf there is anything else the Dreyfus team can assist with, please reach out to us at ###-###-####

BNY Mellon is in receipt of the complaint filed by *** *** ***. BNY Mellon has responded to *** *** complaint by letter dated September *, (a copy of that letter is attached)

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

BNY Mellon is in receipt of the complaint filed by [redacted].BNY Mellon has responded to [redacted] by letter dated August **, 2016.  A copy of that letter is attached.

On 02/**/15, BNY Mellon was informed by the record keeper for Graphic Packaging, [redacted], that the medical deductions from [redacted]'s monthly pension payments were withheld in error and for BNY Mellon to issue a refund for the medical deductions withheld in error.  [redacted] is...

responsible for updating the participant records for [redacted] participants to ensure that all voluntary deductions are accurate.On 02/**/15, BNY Mellon processed two refunds, at the request of [redacted], both payable 02/**/15.  The December deduction will be refunded via a check in the amount of $640.42 and the January deduction will be refunded via ACH in the amount of $640.42.If there are any other questions regarding this issue, please contact the [redacted] Retirement Service Center at ###-###-####.

BNY Mellon is in receipt of the complaint filed by [redacted].BNY Mellon has researched this matter and has responded to Mr. Pittman by letter dated 02/**/**.  A copy of that letter is attached.

To whom it may concern,   In reference to your latest email communications in which you...

have unilaterally closed the referenced case due to "lack of response", be aware that I accept the proposed actions by the company in question to resolve this matter upon the condition that they execute their proposed plan within a reasonable time frame.  I am not using names due to the inherent insecurity of open email communications.   Please reopen this case and update the records accordingly.   Also be advised that your time frames for response are unreasonably short and do not account for events outside the control of the respondent.  Because of this, when you close cases in an unreasonably short period of time, you remove any capability for secured communications with your organization.   In essence, your processes are forcing insecure communications and placing your customer's personal information at risk.   Thank you.   [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]

Review: BNY Mellon is acting as, I suppose a clearing house between a bank in Europe sending a transfer to my wife and I in the US. I have a USAA account, BNY Mellon exchanges the foreign currency and posts the wire transfer to USAA who then delivers it to my account. I was made aware that BNY Mellon had the funds in their account on Tuesday or Wednesday of last week. I tried calling them on Friday to ask what the delay was but the operator of BNY directed me to an extension that no one answered and the voicemail wasn't connected, and so it hung up on me. The sender of the wire transfer in Poland is working with his bank just as I am trying to work with mine to discover why BNY is delaying the wire transfer. I can only suppose that they routinely delay wire transfer in order to earn an extra small investment by investing it briefly during the delay. I can only suppose that simply because BNY won't contact anyone. I have not and the sender has not authorized BNY's delay of the funds and we have not been notified of any reasons regarding the delays. On a side-note, a colleague in Poland had sent a test transfer using the SWIFT code to BNY Mellon, then gave the Account number to USAA with BNY Mellon and then finally my account number. This is standard practice for a SWIFT transfer. However, a representative from BNY had contacted the bank who contacted my colleague asking for an ABA/Routing number for the transaction. ABA Routing numbers are only to be used with correspondant bank transfers, not SWIFT. This is just another reason why I question the competence of BNY Mellon's representatives.Desired Settlement: I would like the transfer to be sent in a timely manner, an apology for their delays and a suitable explanation. We have incurred hardship due to BNY's poor performance and I have been advised to seek legal counsel.

Business

Response:

Dear [redacted]:

I am in receipt of your letter sent to the Revdex.com on October *, 2013.

Please allow me to apologize for the fact that your wire was not received into your account until October *, 2013. I know that you have been in contact with my colleague [redacted] at The Bank of New York Mellon (BNYM) and that she has been instrumental in resolving this matter. I trust that the below summary and timeline of events should make it more clear that the delay was due to insufficient payment instructions and not a result of improper action or inaction by BNYM.

On October *, 2013, BNYM received instructions from Bank Polska Kasa Opieki S.A, Warsaw Poland (PKO) to pay 200,000 Polish Zloty (PLN). Unfortunately, the wire format that was received incorrectly instructed BNYM to pay Bank of New York Mellon, NY for further credit to your account, quoting account number xxxxxx615. Since you do not hold an account at BNYM and the wiring details did not include your recipient bank information, BNYM contacted PKO for correction of the wire details. On October *, 2013, PKO provided the amended instructions which included your recipient bank information. The instructions were to pay in PLN, so BNYM requested further clarification from PKO to determine if the currency should be converted to US Dollars. PKO approved the conversion to US Dollars on Tuesday, October *, 2013. On October BNYM converted the wire to US Dollars processed it with at 2-day spot value of October *, 2013, which is standard practice for such conversions. Accordingly, your account was credited on October *, 2013.

In order to expedite the timing of future wires to your account, please instruct the remitting bank to include your recipient I beneficiary bank information in the wiring instructions and to include; "Please convert to US Dollars" in the information field of the wire.

Once again we apologize for the delay in crediting your account and hope that you find information provided helpful. Should you require any additional information, please contact me.

Review: On May*, 2013 I received a $ 1,908.78 ADR dividend from Holcim Ltd (HCMLY). BNY Mellon charged me $ 181.13 or 9.49 % as an ADR fee for crediting the dividend. A typical ADR fee is 1.2 %.When I complained to [redacted], their VP, about the exorbitant fee, I was unable to get a correction or a satisfactory explanation.Desired Settlement: A reduction in the ADR fee to $ 22.91 or 1.2 % resulting in a refund of$ 158.22

Business

Response:

This letter is in response to [redacted]'s complaint filed with the Revdex.com regarding fees charged on Holcim Ltd. (''Holcim") American Depositary Receipts ("ADRs'').

Please note that the terms and conditions of the Holcim ADRs are set out in the form of ADR security that is filed with the SEC. Under those terms, the Depositary is permitted certain fees and charges and agrees to provide a copy of its latest schedule of such fees and charges to any party requesting it.

Attached is a copy of the Holcim ADR schedule of fees and charges. The Holcim ADR dividend was $0.242385 from which a dividend fee of $0.023 was deducted, resulting in a net dividend payment of $0.219385. The dividend fees charged are within the permitted fee maximums.

If you have any questions, you may contact me directly at the e-mail address or telephone number referenced below.

Sincerely

Business

Response:

This letter is in response to [redacted]'s further complaint filed with the Revdex.com regarding fees charged on Holcim Ltd. (''Holcim") American Depositary Receipts ("ADRs'') following our response dated June **, 2013 to his initial compliant on the same matter.

As previously noted, the terms and conditions of the Holcim ADRs are set out in the form of ADR security that is filed with the SEC. Under the terms, the Depositary is permitted to assess up to five cents ($0.05) for cash distributions. [redacted]'s assertion regarding customary fees is not correct; in fact the previous two dividend fees assessed to holders of Holcim ADRs were both in excess of 9%. In any event the three dividend fees charged were within the permitted fee maximums.

If you have any questions, you may contact me directly at the e-mail address or telephone number referenced above.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Dear [redacted],

I received a letter from BNMellon today, dated July *, saying that I was wrong in claiming that the customary fee was 1.2 % and not 9.49 %. 1.2 % is what is being charged for other Swiss ADRs like Nestle and Holcim.

Also, I still think charging $ 181.13 for making a simple dividend payment is excessive.

Sincerely, [redacted]

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Review: They administered a trust. When my dad was alive they provided him with lots of advice and other things and charged a market value fee that. By the way it was different than the fee they were paid to manage the trust. Both are itemized in each monthlhy statement. When my father died, BNYMellon refused to continue to provide those same services such as advice. In fact my brother contacted [redacted] immediately after my fathers's death, requesting advice, and this was when the refusals started. While they refused to perform the same services, they continued to charge all the same fees. You can't charge a fee for a service you are unwilling to provide. My family has taken this issue up with them multiple times and their response has been to suggest to us that we get a lawyer. They did make the claim that the trust contract BNYMellon signed 50 years ago gave them the right to do this but having read it many times it does not any they fail to be able to tell me where this is stated in the contract. I should add that they seem to be dragging their feet which would benefit them since the longer this takes the longer they are able to make money off the $1.6 million. The bottom line is they have no legal right to charge me for a service they are unwilling to provide.Desired Settlement: I ask BNYMellon to refund the Market Value Fee collected from the date of my father’s death forward. I also ask that any fees associated with selling stock to cover the $10,000 distribution fee should be returned to us since those stocks did not need to be sold because the fee they erroneously charged plus cash on hand in the account would have covered that. The account should also be credited for any interest that would have accrued. In addition I would ask the Revdex.com to look at waiving the $10,000 distribution fee.

Business

Response:

I understand that you filed a com plaint with the Revdex.com claiming that we are refusing to provide you with advice that we provided to your father prior to his passing. though we continue to charge a fee for the advice

We did not provide investment advice lo your father but we did provide discretionary investment management services during the life of the trust. as Corporate Trustee. for which we were paid a fee.

We do not however give investment advice for assets being distributed from terminating trusts. Since this trust is being terminated. our responsibility at this time is to ensure the timely and accurate final distributions and termination of this trust as directed in the trust document. We recommend that you seek outside counsel for how best to address your estate planning.

In Article Seven of the trust document the Corporate Trustee shall receive as compensation for its services here under an annual commission computed in accordance with its standard schedule of fees in effect from time to time when said services are rendered.

Further under the terms of the trust document. upon the passing of your father [redacted] we identified the terms of the trust and ensured proper protocol to distribute this trust to his issue. per stirpes. To that end we ensured that all interested parties were notified. all internal reviews in place and took proper actions for this closing trust

Based on further analysis of the account, the final dividend. anticipated for the assets held in this portfolio, is scheduled for December [redacted] 2013 from Duke Energy Corporation. We allow live business days for any corrections from the sending company. Final distributions will on December 2013. This trust will close by year end.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

Dear [redacted]:

I am in receipt of your response to the complaint my brother [redacted] filed on behalf of our family, in November of this year with the Revdex.com. While I would have articulated the complaint differently, he and I agree that the management fees your organization has charged the trust since my father's death are inappropriate and should be refunded.

I asked you for this directly several months ago and your response was an angry rebuke in which listed the numerous departments that have worked to bring about a "timely closure" of this trust. In your letter of November **, 2013 you stated that "we ensured that all interested parties were notified, all internal reviews in place and took proper actions for this closing trust." What you neglected to mention was that for all of that extra work you charged the trust an additional $10,000.

All trades and management of the assets were frozen as of his death on August **, 2013. Therefore, your organization shifted its efforts to the "closure of the trust" for which you were handsomely paid.

You have all of the control and you have exerted it. I'm sure that in 1957, when my grandmother set this trust up, the Girard Bank and Corn Exchange had a different fee schedule. My father told me on many occasions that the first thing he wanted me to do upon his death was to "get the trust out of Mellon." Nothing got him more upset than paying the fees he was forced to pay your organization, particularly when he performed all of the management of the account. And he would be even angrier that the closure of the trust has taken four months to complete!

I ask that you do the honorable thing and put in a request for a refund for the "management fees" that we were charged since August **, 2013 during which time no management was performed. I will not ask for the $10,000 disbursement fee to be refunded as there were many departments that all needed to sign off on the distribution.

And before you suggest again that we hire an attorney, my family does not take a litigious approach. We deal honestly with others and all that I am asking is that you do the same.

'

In order for the Revdex.com to appropriately process your response, you MUST answer the question above.

Sincerely,

Business

Response:

This correspondence will acknowledge receipt of your letter dated December ** 2013 to me. Thank you for taking the time to write. I appreciate your direct comments, as well as giving me the opportunity to address your concerns at this time.

We respectfully decline your request to refund the monthly bank management compensation from August 2013 up to and including November 2013. Throughout the terminating process. BNY Mellon continued to maintain our high standard of providing the day-to-day services required of a corporate fiduciary including but not limited to providing management of securities---safekeeping, records management. and on-going monitoring of historic and current asset information. This is not simply an investment management fee. but covers all of the aforementioned trustee services.

If I have been unclear in the past regarding my suggestion that you speak with counsel. I apologize. Please allow me to be succinct. I recommend that you seek counsel to assist you with your own personal financial and estate planning for your respective share of this terminating trust. Further, should you seek the assistance of a fiduciary attorney. I am most confident that he will confirm that the bank properly adheres to the guidelines of a corporate co-trustee.

In Article Seven of the trust document. the Corporate Trustee shall receive as compensation for services here under an annual commission computed in accordance with its standard schedule of fees in effect from ti me to time when said services are rendered . Our bank compensation is very competitive to our peers. Going back to 1957 and earlier, it was understood that fiduciary compensation would change with the times. Therefore, it is the industry standard both then and now, to indicate that annual commission is to be charged in accordance with its standard schedule in effect from time to time when said services are rendered.

Again, I thank you for your inquiry and comments.

Review: I have been a customer of [redacted] since 1983. Recently, ** spun off this financial services company to BNY Mellon. Mellon is closing the consumer financial services business down. I have been in contact with BNY Mellon since August [redacted] 2015 - by telelphone, by email, by completing forms, and by sending signed letters of authorization. I have spoken with Eugenia, Terri, Jim, and Kyle - 3 of whom are supervisors - in an attempt to get my funds returned to me. Every time - the BNY Mellon representative tells me that the last representative gave me bad information and now they must have a different form. and new letter, a letter sent in a different manner than previously - before they can send me the check for the remaining funds in my account. These responses are truly impossible and are an attempt to defraud me of my money. I am sure BNY Mellon is hoping that I will eventually just give up and forget about the remaining balance in my account - $5,796.71Desired Settlement: I want a check for the full amount remaining in my account - $5,796.71

Business

Response:

BNY Mellon is in receipt of the complaint filed by [redacted]. BNY Mellon has responded to [redacted] complaint by letter dated September *, 2015 (a copy of that letter is attached).

Review: My insurance provider uses this bank for its HSA accounts. I currently an account holder. On 7/**/13 I received two root canals on my teeth. At that time I called Mellon to get the account balance for my account. They provided me with a dollar amount. I then asked if these funds would be available on the day the check was received and they assured me it would. In the time it took for the bank to process the check they then charged my account its monthly maintenance fee. This resulted in the check being returned and Mellon then charged me a $25 fee. My dentist also charged me a $25 fee. So now when I call Mellon and asked them what happened they tell me that they quoted the correct amount of funds that were available at the time of that call. I believe that what Mellon did was PREDITORY in nature as they did in fact tell me what the account balance was, but did not disclose that fee would be taken out before the check was issued. I asked them to return the $50 in fees that I have incurred because of their mistake. But they have refused.Desired Settlement: First and foremost I would like to have the $50.00 in fees that Mellon cost me. Secondly I would like to be paid for the time I have wasted attempting to sort this out with Mellon, as they were the direct cause of this issue.

Business

Response:

BNY Mellon is in receipt of the complaint filed by [redacted] with the New York Revdex.com. BNY Mellon has responded to [redacted] by letter dated 09/**/13.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:

The fees that were charged to me by the dentist for the returned check were not part or the resolution, nor was the vast amount of time I spent on the phone with these people, or the gas and wear and tear on my vehicle running around the checks that had to deposited and moved around. It was a mess. I had to take off work so that I could get it all done. I would not had to incur any of these expenses given that they would have acted ethically. Furthermore, I had asked them to send me all of the money in my account. According to their automated system there is over $30 still in the account. What is that all about? I bet if that money is in there on 10/*/13 they will charge me another maintenance fee. Just yet another scam by by this dishonest company.

Review: I am paying a home loan thru [redacted] who states bank of new York mellon is the lender. do to financial and family health issues

I have called the numbers and only get recordings with promises they will call back. this problem involves a severely [redacted] year old

boy whose safety and well being hang in the balance.Desired Settlement: A contact letter with correct phone numbers ie: local and fax numbers to correspond to a real human not a fraudulent answering system.

Business

Response:

BNY Mellon is in receipt of the complaint filed by [redacted] BNY Mellon has researched this matter and has responded to [redacted] by letter dated 10/**/13 (copy of letter attached).

Review: Bank of New York Mellon(Benefits Wallet) out of [redacted], handles the HSA accounts for my previous employer.. In August of 2015, I changed jobs and moved. At that time I sent a letter and form requesting reimbursement of my HSA funds since I no longer had access to my money via the company website and the debit card they sent me with the account never worked.

After I moved in December of 2015, I realized that I had never received my money from Bank of New York Mellon Benefits Wallet. The first of January I called and spoke with a young woman at BNY Mellon , who confirmed that I had sent the correct form but they did not have it. She sent it to me again via e-mail also confirmed at that time that they had my signature on file, so I did not need to have my signature notarized.

I resent the forms to BNY Mellon via certified mail at a cost of $4.00 and today I received a response saying that they could not process my request to return my money to me because they did not have my signature on file. Realize that I confirmed this with the young woman on the phone, not to mention that I wrote reimbursement checks to myself - which I signed at least 17 times while I had the account.

It is appalling that they do not provide an easy way for you to close out your HSA account and retreive your own money. It is appalling that they send a form back via regular mail and request a piece of information that I already confirmed was in their possession.

It appears like they are trying to keep my money so that they can keep charging monthly fees until there is nothing left.Desired Settlement: I would like my money returned to me immediately, including all fees charged since August 2015 and the money that I spent to send this form via certified mail. I will also be filing a complaint with the regulating authority for New York Banks, the Office of the Comptroller of the Currency and Consumer FInancial Protection Bureau.

Business

Response:

BNY Mellon is in receipt of the complaint filed by [redacted].BNY Mellon has researched this matter and has responded to Mr. Pittman by letter dated 02/**/**. A copy of that letter is attached.

Consumer

Response:

To whom it may concern, In reference to your latest email communications in which you have unilaterally closed the referenced case due to "lack of response", be aware that I accept the proposed actions by the company in question to resolve this matter upon the condition that they execute their proposed plan within a reasonable time frame. I am not using names due to the inherent insecurity of open email communications. Please reopen this case and update the records accordingly. Also be advised that your time frames for response are unreasonably short and do not account for events outside the control of the respondent. Because of this, when you close cases in an unreasonably short period of time, you remove any capability for secured communications with your organization. In essence, your processes are forcing insecure communications and placing your customer's personal information at risk. Thank you. [redacted]

Review: This Disbursement Agent will not stop taking insurance premium from my retirement check. They were notified on 11/**/2014 to stop the deduction. [redacted] notified them as well as [redacted]e. I called them on the 11/**/14. The representative stated that they have the information documented and I would receive my entire retirement check. The $640.42 would not be deducted for insurance benefits. I then asked... So, I will receive my full retirement check for December 2014. The representative for BYN MELLON DISBURSEMENT AGENT RIVERWOOD INTERNATIONAL said yes. In December, the insurance benefit was deducted again, This agent took another $640.42 from my retirement check. I called them nearly everyday to make sure my retirement check for December would me correct. So, in January they took another $640.62 I have called this company 26 times. They keep telling me we are working on it, It has been 3 months. Also, I have written them a letter. I have not collected/received my money yet. I have spoken with 3 supervisors, they all say it is documented and they are working on it. They have got to find out where the error come from. This is not my problem I need my money.Desired Settlement: I want my money as soon as possible, They now owe me for the months of December and January. I want them to have this error corrected and my February Retirement check is the full amount without deducting any medical benefits. I do not want my refund included with my February retirement check, I need my disbursement within the next few days. It need to be sent electronically to my bank account.

Business

Response:

On 02/**/15, BNY Mellon was informed by the record keeper for Graphic Packaging, [redacted], that the medical deductions from [redacted]'s monthly pension payments were withheld in error and for BNY Mellon to issue a refund for the medical deductions withheld in error. [redacted] is responsible for updating the participant records for [redacted] participants to ensure that all voluntary deductions are accurate.On 02/**/15, BNY Mellon processed two refunds, at the request of [redacted], both payable 02/**/15. The December deduction will be refunded via a check in the amount of $640.42 and the January deduction will be refunded via ACH in the amount of $640.42.If there are any other questions regarding this issue, please contact the [redacted] Retirement Service Center at ###-###-####.

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.

Sincerely,