Fulton Bank

11/13/14Dear [redacted]The Loan payment on this account was due on 8/15/14. Since the loan was past due, as part of our normal collection process, we made calls to [redacted] and left a message for her to return the call on 9/12/14. She returned the call after 5:00 PM on the same...

day, the payment in question was made and posted to her account on 9/16/14. Although we were not able to credit her payment in time for the delinquency to not appear on her credit, she did make a good faith effort to respond to our call with thenecessary payment.As a one time courtesy, we will remove the delinquency from her credit report. If you have any furtherquestions please contact me at ###-###-####.Sincerely,James D
Vice President FFC Collection Manager

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
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. 
Regards,
[redacted]

August 26, 2016To whom it may concern:I am writing in response to the concerns expressed in your correspondence dated August 25, 2016 regarding complaint ID # [redacted]. This complaint concerns a $1,950 check the client deposited to his account at Fulton Bank, which was later returned unpaid because...

the check was altered or fictitious. The client appears to be a victim of fraud perpetrated by the unidentified individual that gave the client the check in question. The client has expressed concern that he was permitted to withdraw a portion the funds from the deposited check that was later returned unpaid.Fulton Bank’s disclosed Funds Availability Policy provides that, with some exceptions, funds from checks deposited on a business day are available for withdrawal on first business day after the day of deposit. The bank on which a deposited check was drawn may return the check unpaid for a number of reasons, including because the check was drawn on non-sufficient funds, or because the drawer of the check had stopped payment of the check. It is not uncommon for checks to be returned unpaid one or more days after the funds have been made available for withdrawal. Fulton Bank’s Funds Availability Policy also provides that Fulton Bank may charge back a deposit account for any check that is returned unpaid, or to claim a refund of any credit provided to the depositor.In the client’s case, the check deposited was returned because the check was either altered or fictitious. Fulton Bank did not receive notice that the check was being returned until after the client had withdrawn a portion of the proceeds of the check. Fulton Bank then debited the client's account for the amount of the returned check, which created an overdraft in the client’s account. Because the client was concerned that account information had been disclosed to the drawer of the check, Fulton Bank also placed a freeze on the client’s account to protect the client’s account from potential fraudulent activity.While we understand the clients frustration with the deposited check being returned unpaid, the client remains responsible for the repayment of the overdraft that return created. We have been working with the client to repay the overdraft, and would welcome the opportunity to discuss with the client establishing a new account for the client, as soon as the overdraft has been repaid.Thank you for bringing this matter to my attention. If you have any further questions regarding this matter, please feel free to contact me using the information below.Sincerely,Aaron W.  SVP, Retail Sales Manager

Dear [redacted]:
I write in response to your letter regarding the complaint made to the Revdex.com by [redacted] regarding calls [redacted] received from Fulton Bank, N.A. (“Fulton Bank”) employees.
These inadvertent calls resulted from the fact that a Fulton Bank...

borrower provided a number identical to [redacted]'s to Fulton Bank as a contact number. When it was initially determined that the number was not our borrower's but instead was [redacted]'s, Fulton Bank's records were corrected to reflect this fact. Unfortunately, an employee erroneously used the number again last week, prompting the current complaint.To ensure that risk of any similar error is minimized in the future, Fulton Bank has deleted [redacted]'s phone number from its records. The employee involved in the most recent erroneous call has also been counselled regarding appropriate customer communication procedures. Finally, Fulton Bank has sent a formal letter of apology to [redacted] (attached).
If there you have any questions or comments related to this matter, please contact me at [redacted].
Sincerely,
Christopher D.
Senior Vice President

July 31, 2015
Dear [redacted]:
We are writing in response to the concern you expressed in your letter to the Revdex.com regarding a mobile deposit for your checking account. We have...

concluded our research and are providing the details regarding your mobile deposit:On July 17, 2015 we received your mobile deposit submission of $250.00 at 9:22PM ET via Fulton Bank’s Android Mobile Banking application. Mobile deposits received after 7PM ET on a business day are processed for the next business date. On Monday, July 20, we approved and processed your mobile deposit. Your checking account received credit for this mobile deposit on July 20, 2015. A confirmation email was sent to your email address on file at: [redacted]@[redacted].com
Your mobile deposit consisted of a check copy drawn from a Susquehanna Bank account. We submitted this check copy from your mobile deposit to Susquehanna Bank to collect these funds for your mobile deposit. Susquehanna Bank denied our request to collect these funds. Susquehanna Bank informed us that the check was cashed at a Susquehanna Bank branch on July 21, 2015. Due to the return from Susquehanna Bank, we could not collect these funds for your mobile deposit and withdrew the funds from your checking account on July 24, 2015. Enclosed is a copy of the cashed check received from Susquehanna Bank and a copy of the check fromyour mobile deposit.
With mobile deposit, the bank does not receive the physical check from you. We only receive a picture of the check that you submitted from your phone. The terms and conditions for mobile deposit state to hold checks deposited using this service for 14 business days from the date of your deposit. If you have this check in your possession, you may provide it to us to pursue this matter with Susquehanna Bank.
We regret that your customer experience did not meet your expectations and wish to assure you that you remain a valued customer. If you have any questions regarding your account, please contact us at [redacted] or by secure message within Online Banking. We are here to assist you Monday through Friday, 7AM-8PM, and Saturdays from 8AM-3PM ET.
Sincerely,
Lisa W.
E-Commerce Services Manager Online/Mobile Banking

June 5, 2014
Dear [redacted],Today, I received a copy of your June 3rd Revdex.com compliant. As required, I am providing a written response.I am confirming that Fulton Bank, N. did not report a mortgage loan to the Credit Bureaus with your name, address or social...

security number. The mortgage account does not belong to you.The copy of the credit report that you provided shows that [redacted] Credit Bureau was reporting this information, so I contacted them. They confirmed that you contacted them on June 2nd and they explained to you that this was a merged account that resulted in Fulton Bank information appearing on your report. As a result, they separated the reports and mailed you a copy of your corrected report. It is our understanding that their correction has addressed your specific complaint.
For any additional questions regarding the information provided above, please submit your concerns in writing along with a copy of your credit report to:Fulton Bank
P O BOX 4887
Lancaster, PA 17604
Attn. Credit Inquiry Dept.

September 16, 2014
Dear [redacted],The customer was contacted by phone on September 16, 2014 to discuss the items addressed in the complaint. The customer was initiating a bill payment from her Credit Union where her payroll is regularly deposited to her Columbia Bank checking account...

in order to accept her monthly mortgage payment to [redacted] Mortgage. There was a delay since the bill payment required a check to be mailed from her Credit Union bill payer service to The Columbia Bank. The check would at times be received and credited after her mortgage payment due date resulting in fees. We directed the customer to contact her credit union and set up the monthly mortgage payment to come directly from her Credit Union account to avoid this problem going forward. We initiated a system refund of charges as a courtesy to the customer and promised to follow up with her through the process to insure a transition of the payment.A separate issue addressed in the complaint pertains to escrows initiated by [redacted] Mortgage for payment of forced placed homeowners insurance. A representative of the mortgage company also called the customer today and they are working with the customer to resolve the issue to her satisfaction.The customer seemed very happy to hear from us and satisfied with our actions and proposed resolutions to issues from the complaint. We will follow up with the customer to answer any questions within one week.Sincerely,
Jeffrey M
VP – Branch Banking The Columbia Bank

Review: Remove from mailing list. Received solicitation in the mail from [redacted] PA [redacted]. I don't do business with solicitors at all, ever. Do not contract me in any way, shape or form whatsoever.Desired Settlement: Stop contacting me, period, in any way, shape or form. I have never ever done business with this establishment, nor do I desire to.

Business

Response:

June 27, 2014Dear **. [redacted],We have received your request via the Revdex.com to be removed from any future solicitations. We have removed your name and address from our solicitation lists so you will not receive any future marketing communication from Fulton Bank or any of our affiliates. Please note that if you were to move to a new address within our market area in the future, you will need to submit your new address to us to continue to be removed from our solicitation lists. This can be done by calling us directly at 1-8QO-FULTON-4. Thank you.Sincerely,

Review: My name was forged on a Fulton Bank document that may have led to an unauthorized credit report pull to verify information.

I have a feeling that the same person who forged my name may have done this many times. He is an ex-business partner.

I have since resigned from the company, but I am continuing to pursue other forgeries.Desired Settlement: I want Fulton Bank to deliver any and all documents to me on account number : [redacted]

I want Fulton Bank to verify if my signature was supposed to be witnessed by [redacted]. If so, [redacted] has lied on the document also saying he/she verified my signature.

This was 100% impossible because I live in Florida and was not in Pennsylvania at the time. The document clearly shows [redacted]' handwriting in all areas of the document.

The signature is not mine and even the address in not correct. I live at "[redacted]." Also, as you can see, **. [redacted] started writing a "1" for the zip code because

he is used to writing this because he lives in PA. But, when he realized his error, he wrote over the number "1" and proceeded to write my correct zip code that starts with a "3."

I am very concerned that **. [redacted] may cause more harm to me and my family.

Business

Response:

April 29, 2014Dear **. [redacted]:Please be advised that Fulton Bank received a signed Affidavit of Forgery from [redacted]. [redacted], ** on March 19, 2014 in which he claimed his signature was forged on a Business Debit Card Acceptance Certificate. This is the form utilized by Fulton Bank for customers to request a Business Debit Card.Fraud Risk Management opened an investigation on March 21, 2014. The results of the investigation determined that the document was witnessed and approved by a CSR at the [redacted] Office. The CSR stated that in situations where a customer was unable to come to the branch, the documents would be mailed as an accommodation. The customer would sign the documents and return with a copy of their driver's license. Our employee believes this to be the case involving the account documents signed by [redacted]. [redacted]. This process has been discontinued and documents must now be signed in the presence of a bank employee.The attached letter was sent to **. [redacted] on April 29 summarizing the above information and he was provided with documents he requested.I hope this is responsive to the complaint filed with the Revdex.com. If you have any additional questions regarding this matter, please contact me directly at ###-###-####.Cordially,

Consumer

Response:

I'm rejecting this because I have proof that this signature was forged. I did not sign this document, period. It is very clear that my name and address were written by the other individual.

Again, I need any and all bank statements that I am entitled to for this account. I prefer to do this without an attorney.

This information has been provided to the [redacted], PA FBI office in October 2013.

Business

Response:

May 9, 2014Dear [redacted]:As evidenced by the attached email received from [redacted], all documents requested by him have been received.In addition, we have offered our assistance required by law enforcement regarding this matter. Cordially,

Review: Account Number: [redacted]

On September 12th 2014 I received a call from Lisa, the collections department from fulton bank. I agreed to give a payment over the phone for the camper, however while I was on the phone with Lisa I asked her if my payment would be 30 days past due and she said yes because she couldn’t process my payment until that following Monday since she called me that friday shortly after 4 that day. So I asked her "if I would take a payment to the bank if it would be before the 30 days past due". She said "YES, if you take your payment to the bank today if will not be 30 days past due".

After I got off the phone with Lisa I [redacted] the closest branch, and found a phone number for one located in the [redacted] Area. I called the number, explained the situation and that I was calling to confirm their hours and tell them I was brining a payment with whomever answer the phone and she put me on hold. She transferred me to who I thought at the time was a manger, but I didn’t catch the name and didn’t think to ask and write it down. The lady who I talked to , said she would call Lisa and have her back date my payment and that I would not have to drive to the bank and that it would not be 30 days past due.

And then a couple weeks later I noticed that I had a negative 30 days past due from Fulton bank on my credit report, so I have been inquiring with one of the branches in the [redacted] area, her name is Alice. The first and second times she called me back after I contacted her verbally it seemed that our conversations over the phone and what I was explaning to her that had happend on September 12, 2014 was getting mixed up and I was not happy with the answers she was calling me back with, so to eliminate any more misunderstandings I typed up a letter of the situation and what I was told over the phone on 9/12/2014, I sent her an e-mail with all the details along with my statement , she forwarded the information to management for a decission. She called me on 10/28/14 and notified me that my request to remove the 30 days negative on my creidt report has been denied by management because of the time it took to process the payment without me physically taking it to the branch like I was willing to do, even though someone told me incorrectly that my payment over the phone was going to be back dated. And she said that if I would have brought the payment to the bank they could have back dated it and I wouldn't have been 30 days past due. But since I was told over the phone at the [redacted] location that I didn't have to drive there, I didn't. The bank should make sure they are relaying the information correctly to their customers.

I didn’t realize at the time of my call on September 12th that there were 2 locations. So now I cannot pin point what branch or who by name told me this. At the time of the conversation with the Bank I would have never thought I would have needed this information to fight my claim. It was a female who told me this and it was one of the two locations located in the [redacted] area, and it had to have been a manager.

I am requesting the 30 days past due on my credit report be removed since I was told that my payment over the phone was going to be back dated. Otherwise I was more than willing to hop in my car, drive down the turnpike and make the payment so I would be clear on the 30 days past due.

The decision I received from trying to work with the Fulton bank myself is unfair. As a customer, I should be able to call, ask questions and receive accurate responses. If the response from the bank branch on Sept 12th 2014 was incorrect to tell me that they would back date my payment, then that is their fault. If you have anything further, please let me know. I would like this resolved immediately.Desired Settlement: 30 days negative removed from credit reports.

Business

Response:

11/13/14Dear [redacted]The Loan payment on this account was due on 8/15/14. Since the loan was past due, as part of our normal collection process, we made calls to [redacted] and left a message for her to return the call on 9/12/14. She returned the call after 5:00 PM on the same day, the payment in question was made and posted to her account on 9/16/14. Although we were not able to credit her payment in time for the delinquency to not appear on her credit, she did make a good faith effort to respond to our call with thenecessary payment.As a one time courtesy, we will remove the delinquency from her credit report. If you have any furtherquestions please contact me at ###-###-####.Sincerely,James DVice President FFC Collection Manager

Review: The Fulton bank apparently used my Ss# for another person's mortgage thus affecting my credit report and contributing to my inability to get a home equity loan with another bank.I have no account with the Fulton bank.But their report says I have a $170000 mortgage with them.Desired Settlement: To get the $150000 mortgage off my credit check and some sort of compensation.

Business

Response:

June 5, 2014Dear [redacted],Today, I received a copy of your June 3rd Revdex.com compliant. As required, I am providing a written response.I am confirming that Fulton Bank, N. did not report a mortgage loan to the Credit Bureaus with your name, address or social security number. The mortgage account does not belong to you.The copy of the credit report that you provided shows that [redacted] Credit Bureau was reporting this information, so I contacted them. They confirmed that you contacted them on June 2nd and they explained to you that this was a merged account that resulted in Fulton Bank information appearing on your report. As a result, they separated the reports and mailed you a copy of your corrected report. It is our understanding that their correction has addressed your specific complaint.For any additional questions regarding the information provided above, please submit your concerns in writing along with a copy of your credit report to:Fulton Bank P O BOX 4887 Lancaster, PA 17604 Attn. Credit Inquiry Dept.

Review: My wife and I filed paperwork to refinance our mortgage. We initially filed the paperwork in January 2013. I did not hear from Fulton Bank until 2 weeks ago and many phone calls. Our property was appraised by someone who was not from the local area (acutally near Philadelphia). The appraisal was less than our original mortgage, even though we built 2 new outbuildings on the property. Finally, after several more phone calls and faxes, we were given an adjustment to our mortgage, $100.00 per month and then tacked on 5 years to the final mortgage. We are very frustrated that in close proximity, new houses are being sold at higher prices than we were appraised for. We also have far more land than these homes and it is cleared and usable.Desired Settlement: We would like an appropriate appraisal done by a local individual, without further cost. We also would like to refinance our home at a resonable rate for a thirty year mortgage.

Business

Response:

Please see attached response.

Review: I accidentally overdrew my checking account. Immediately upon noticing, I contacted the corporate office explaining it was an accident. I also notified them that I will be adding the amount to bring the account back into good standing, plus a little more. I immediately added the amount into my account. Fulton Bank charged me a $39.00 on 9/17/13. I had never authorized for my account to be overdrawn, so I contacted corporate and had that feature turned off. On 9/20, Fulton Bank charged me $6.00 daily overdraft fee, even though my payment was in pending. My payment cleared on 9/23. Fulton Bank responded by charging me another $6.00 that same day. Since then, they have charged me $6.00 on 9/24 and 9/25. I have been in contact with the customer service and they refused to refund it. Lastly, [redacted]. in Direct Banking responded with this "At this time we will no longer be responding to replies regarding this matter involving your overdrawn account." I was out of the country and could not contact the branch directly.Desired Settlement: Reverse the overdraft charges.

Business

Response:

October 03, 2013

Dear [redacted]

Below is our response to the aforementioned Revdex.com ID.

I am writing to you in response to a letter I received from the Revdex.com concerning a recent situation that you incurred with your accounts at Fulton Bank. First, let me apologize on behalf our organization for the manner in which our staff assisted you. Please be assured that I have addressed my concerns with the team, so that if in the future they encounter a situation similar to the one you faced, they will be better equipped to serve our customers.

As you indicated in your letter, your checking account was overdrawn and had been overdrawn for several days as a result of a point of sale purchase that was presented for payment. This item was paid, and as a result, a charge of $39 was applied to your checking account per our account disclosure. A most recent notice that covered how Fulton Bank addresses overdrawn transaction accounts was sent to your mailing address on July 22,2013. The subsequent charges of $6 were applied to your account because it remained overdrawn in excess of three business days.

Your request for opting out of our overdraft services has been completed. In addition, a refund of the the six $6.00 consecutive overdrawn account fees and the $39.00 overdraft fee were credited to your checking account on October 3,2013, for a total refund of $75.00.

Thank you for bringing your concerns to my attention. We appreciate your business, and I am hopeful that I have satisfied any concerns that you have.

Sincerely,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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

Regards,

Review: $39.00 overdraft in 2006 on my account. I requested to close the account so I could figure out what happened. Both the [redacted] and [redacted] offices refused to let me close the account, then tacked on 500.00 in charges. I paid off the overdraft plus 160.00 in fines. I am not going to pay 419.00 more. I have requested many times that they take this off my credit report. [redacted] and [redacted] have removed it, [redacted] refuses to do so. I spoke to Smokey G[redacted] on 4/1/14 and he agreed that I had made a good faith effort at paying the debt off, now can they have [redacted] take it off my credit? Thanks.Desired Settlement: Please have them take the 419.00 off of my [redacted] report.

Business

Response:

September 18, 2014Dear [redacted],The purpose of this letter is to respond to compliant ID #[redacted] submitted on 9/15/2014 at 9:47:38AM by a former customer of Fulton Bank, [redacted].[redacted] opened a checking account with Fulton Bank, specifically at our [redacted] Office, in 2006. Sometime in 2008, [redacted]'s checking account was subject to additional fees due to NSF activity (non-sufficient funds) as the sole owner of the account. After becoming aware of the NSF activity on said checking account, personnel of the [redacted] Office made multiple attempts to contact [redacted] in an effort to rectify the account status. Our attempts to reach [redacted] were unsuccessful. Ultimately, the account was charged-off & sent to Fulton's 3rd party collection agency, [redacted]. The original balance charged off was $419. To date, [redacted] has paid a total of $135, leaving an outstanding balance of $284.Given the positive steps [redacted] has taken in an effort to resolve this outstanding debt, I have approved and authorized [redacted] to close out the debt account in the amount of $214.06 and remove this debt obligation from [redacted]'s credit bureau immediately. I have been assured by the agency that both steps have occurred and the debt is no longer showing on [redacted]'s credit report as of September 17, 2014.I now consider this matter closed. If you have any additional questions or concerns, please feel free to contact me at ###-###-####. Thanks for bringing this matter to our attention & we hope this resolution is satisfactory both to the Revdex.com as well as [redacted].Kind Regards,Smokey GSVP/Retail Sales Leader

Review: I had complained against theColumbia bank in April after my account was reaching 0 balance without getting me informed on time and I was bombarded with late fees and returned checks. I went through a series of harassment from the customer service, they were not helpful and were rather abusive and the corporate office did get back to me and apologized. Then, I forwarded checks from my [redacted] Fed Credit Union (**FCU) a/c which took weeks for the [redacted] bank to process and post in my account. The [redacted] account's manager Mr. W[redacted] promised that he would help me and keep me informed about any balance but again, similar situation had taken place where my check returned and I incurred late fee in my account. Although I have taken every cautionary step to put a direct deposit to the [redacted] bank from the **FCU all these months to prevent repeat occurance of low balance, because of the primitive system of the [redacted] bank by receiving paper checks and process it in a delayed manner, I am always jeopardized. To add to my agony, my very important transactions are going through the FFC and the [redacted] bank like mortage payment, condo fee and student loans, and I am facing trouble with increased escrew amount because of delayed payment. I have tried to call Brian M[redacted] at FFC to get better understading of the escrew and monthly mortgage payment, but it was not helpful. FFC has not been helpful in providing me enough information about how the escrew is calculated, why there are additional payments and which home insurance company is covering me for my home protection. As a consumer, I have the right to know every payment I make to FFC for my clear understading.Desired Settlement: 1. Refund my late fee, which should not be an incidence in the first place, should I be informed on time. Even after first Revdex.com complaint and apology call from corporate office, this situation is a repeat offence.

2. An explanation by phone call , my cell:###-###-####(so I can discuss and understand, rather than a letter which takes days and weeks to reach me) fomr FFC rep to discuss my mortgage payment

3. Help either to set up a smooth flow of balance form my primary a/c ([redacted] or **FCU) to The[redacted] bank or to help me set up a safe way to redirect my direct transactions to any other bank a/c and close the[redacted] bank a/c all together.

Business

Response:

September 16, 2014Dear [redacted],The customer was contacted by phone on September 16, 2014 to discuss the items addressed in the complaint. The customer was initiating a bill payment from her Credit Union where her payroll is regularly deposited to her Columbia Bank checking account in order to accept her monthly mortgage payment to [redacted] Mortgage. There was a delay since the bill payment required a check to be mailed from her Credit Union bill payer service to The Columbia Bank. The check would at times be received and credited after her mortgage payment due date resulting in fees. We directed the customer to contact her credit union and set up the monthly mortgage payment to come directly from her Credit Union account to avoid this problem going forward. We initiated a system refund of charges as a courtesy to the customer and promised to follow up with her through the process to insure a transition of the payment.A separate issue addressed in the complaint pertains to escrows initiated by [redacted] Mortgage for payment of forced placed homeowners insurance. A representative of the mortgage company also called the customer today and they are working with the customer to resolve the issue to her satisfaction.The customer seemed very happy to hear from us and satisfied with our actions and proposed resolutions to issues from the complaint. We will follow up with the customer to answer any questions within one week.Sincerely,Jeffrey MVP – Branch Banking The Columbia Bank

Review: I have a business credit card with Fulton Bank with a promotional APR of 0% on Balance Transfers valid until July 1, 2014.

In Early September 2013 I called into customer service, to the phone number on the back of my credit card. I wanted to confirm the promotion details with the customer service rep. She confirmed my promotion expires on 7/1/14, I then asked her DOES IT MAKE A DIFFERENCE TO THE PROMOTION IF I CLOSE MY ACCOUNT NOW OR WHEN I PAY OFF MY BALANCE? She told me "NO, IT DOES NOT MAKE A DIFFERENCE, YOU CAN CLOSE YOUR ACCOUNT NOW IF YOU WOULD LIKE AND IT WILL NOT AFFECT YOUR PROMOTION OR YOUR PROMOTIONAL RATE".

I then agreed to go ahead and have her close my account. Now I got my new statement and my promotion has been terminated and I am now being charged interest fees. I then called back into customer service and spoke to another rep who confirmed what the first customer service rep told me, "CLOSING YOUR ACCOUNT EARLY DOES NOT AFFECT YOUR PROMOTION AND I DON'T UNDERSTAND WHY YOU ARE BEING CHARGED INTEREST FEES". She told me she needed a supervisor to re-instate my promotion and it still has NOT been done.

I also confirmed with her that my promotion should have expired on 7/1/14.Desired Settlement: I need the interest fees credited back to my account and my promotion re-instated.

if the customer service reps would have told me the CORRECT information, I would NOT have closed my account early.

I would have paid off my account in full to avoid all interest fees and then I would have closed my account.

I think its only fair that Fulton Bank re-instate my promotion since I am a well paying customer of theirs and I was in fact told the incorrect information by more than one of their employees!!

Business

Response:

October 10, 2013

Dear [redacted]:

I am Senior Vice President of Fulton [redacted] Corporation’s Consumer Credit Department and received a copy of your September 20, 2013 letter to the Revdex.com.

After reviewing your letter, I understand that your principal complaint relates to the assessment of interest fees during the credit card’s promotional period. While I understand your frustration, Fulton Bank branded credit card accounts are issued and serviced by [redacted], an affiliate of US Bank. This means that, although our brand name is on the credit card, [redacted] owns the account. As such, we are unable to evaluate your complaint or adjust your interest fees.

However, I would like to help facilitate prompt attention to your complaint at [redacted]. Accordingly, I have forwarded your letter to the Cardmember [redacted] Office of the President at [redacted]. [redacted] informed me that someone from therr office will contact you about your complaint within two weeks.

[redacted] apprises Fulton Bank on the resolution of customer credit card complaints on a periodic basis; however, do not hesitate to contact me directly if at any point in the resolution process you are not satisfied.

Thank you for your business and for the opportunity to respond to your concern.

Sincerely,