Peoples Bank

We all make mistakes from time to time If I said [redacted] under my breath it's because I was not looking foward to putting the phone back together It wasn't directed towards anyone I've already apologized for it As far as any refund goesI explained that the last time Her son stated to us that the digitizer did not work when he brought it in I gave her other options on facebook to remedy this whole situation I offered a refund for all the parts for the phone back She has a COMPLETELY GOOD WORKING PHONE! I'm sorry for how it went down and that I didn't communicate enough I have now apologized times I can not give a partial refund I would put me upside down on the phone She got a great deal It's a good phone I'm sorry for what I did and how I did it, but I can not issue a partial refund That is it, that is all there is, there is no more I wish them the best in the future I can not afford to spend any more time on this.Thanks [redacted] EZ Tech Guys

Regarding the above referenced complaint, I offer the following response:Client did attempt an ATM withdrawal at our Dover financial center on Thursday, April 14thWhile waiting for the transaction to be completed, video surveillance shows that client was occupied using a cellphoneIt appears that client did not retrieve the cash in the time allotted and the cash was withdrawn back into the ATMThere appeared to be a misunderstanding with Bank employees regarding the balancing of the ATM, which needed to be completed in order to substantiate the client’s claim that she didn’t receive the cashOnce the misunderstanding was cleared up, the client was given the cash the same day.Should you have any questions or need any further information, please let me know.Sincerely,Todd AT***Senior Vice President & Security Officer

1st We did not realize that the frame was bent until after the second attempt to put the replacement screen on2ndWe have offered to fix it after learning that it did not hold3rd We will not give any kind of refund until the phone is brought back so we can remove the screen [redacted] , [redacted] , ***, and other don't give refunds unless the item is brought back I don't understand why we would be expected to refund just because 4th The screen must be in working order and be on the same cosmetic condition upon Wichita it was received

To Whom It May Concern: I filed a complaint earlier today after two days of no resolution from [redacted] Bank However, today a branch manager from [redacted] Bank reached out to me They are willing to return my money She said a check for $was being mailed to me today I did mention that deposit slips with account numbers would be helpful to customers as well as customers receiving monthly statements instead of statements every three months She was very nice and apologetic Thank you[redacted]

On December 16, 2016, Peoples Bank received a copy of the response [redacted] filed with the Revdex.com in response to Peoples Bank's response to her initial complaint dated November 1, As previously stated the transfers between [redacted] and her daughter's accounts took place on two separate banking daysOn November 1, two transfers, totaling $104.00, were made and on November 2, four additional transfers, totaling $515.00, were madeThe overdraft fees were a result of debit card transactions for purchases made on October 30, and posted to the account on November 1, Additionally, as previously stated, [redacted] scheduled direct deposits posted to her account on Thursday, November 3, and on Friday, November 4, The ending balance on the statement date of November 4, was $547.92, which included both direct deposits aforementionedThe beginning balance on the statement date of November 6, was $Peoples Bank representative did not refund the overdraft fees as previously requested due to previous overdraft and refund activityThere have been no additional findings that warrant a refund of the overdraft feesI invite [redacted] to contact me directly for assistance regarding the posting of the above referenced transactions

May 27, 2016Dear [redacted] :This letter is in follow up to our telephone conversation of Friday, May 20, 2016.During our conversation you requested PeoplesBank, retract the late payments we reported to the Credit Bureau under the above referenced loanyou shared you had not received any notifications of payment due, you were unsuccessful in gaining access to your loan information via internet banking to verify the amount due and that you were told on several occasions, by members of our Nottingham branch that you could not have your payments automatically withdrawn from another bank account with a different Financial InstitutionDue to these issues you felt that the payments received late were not a result of your efforts to pay on timeUpon investigating your loan, I used the following documents:o The original Credit Agreement and Disclosure that you and [redacted] signed on August 18, This disclosure provides your address, the amount of the loan, the terms of the loan repayment, the inception date of 8/15/with a maturity date of the final payment 8/15/This document also shared that you would have monthly installments due starting in August and would not conclude until your last payment of August 15, This would contradict you comment of not knowing a payment was due.o A spreadsheet was created from your billing and payment history which displays the late payments received and therefore reported to the credit bureauThe items in red reflect a payment received days after the due dateAs you will see you have made late payments as far back as July 20, and have made several late payments in 2010, 2011, 2014, and 2016, showing a pattern of late payments throughouto Enclosed are duplicate copies of monthly statements sent to your current addressThese notices are generated approximately the 24th of each month showing a payment due date always on the 20th of the following monthThese notices have been generated since the inception of your loan in and to date we have not received a one back from the U.SPostal Service as "undeliverable"o you indicated that you were not successful in being able to view your loan information through internet banking due to a dormant statusAccording to our records [redacted] first signed up for on line banking December 29, She then again signed up July 21, as the account was not utilized until April 16, and a dormant status went into effect after days of no activity, [redacted] attempted again to go online on April 22, and May 2, at which time her attempts failedHowever we have no record of her calling into PeoplesBank on either one of those days to question whyOn May 4th, we received a call and reset [redacted] 's internet banking advising she must siwithin hours or the dormant status would go back in placeWe show no attempts of her signing onOn May 9, we received another call from [redacted] requesting we unlock her, at which time we did explaining again she must siwithin hours or the dormant status would go back into placeTo date [redacted] has not tried to go into internet banking.o According to our records we show [redacted] contacted our office on the following dates for various pieces of information; o 6/5/- called in for rates o 8/4/- called for internet access o 4/22/- called in for rates o 5/4/- called in for rates o 5/9/- called in with regards to late charges on account o 5/12/- called in for rateso According to our records we show [redacted] called in on May 9, asking about the April and May payments, advised he did not get any bills and was upset about the inability to do auto deduct for payment.o I spoke with Michael on Friday, May 20th at which time he expressed his displeasure with our service and our inability to service himI had the appropriate forms sent to him to have his loan payments auto deducted and spoke with the Nottingham branch to explain how our process works.o The associate who provided incorrect information to [redacted] has been coached on the proper procedure to have payments auto deducted from a customer account at another financial institution.Based on these findings, we did report your late payments correctly and therefore are not in a position to retract our recording,Sincerely,Lori BAVP, Account Services

Regarding the above referenced complaint, I offer the following response: Client did attempt an ATM withdrawal at our Dover financial center on Thursday, April 14thWhile waiting for the transaction to be completed, video surveillance shows that client was occupied using a cellphoneIt appears that client did not retrieve the cash in the time allotted and the cash was withdrawn back into the ATMThere appeared to be a misunderstanding with Bank employees regarding the balancing of the ATM, which needed to be completed in order to substantiate the client’s claim that she didn’t receive the cashOnce the misunderstanding was cleared up, the client was given the cash the same day.Should you have any questions or need any further information, please let me knowSincerely, Todd AT [redacted] Senior Vice President & Security Officer

The phone was brought in with a cracked screen. The digitizer (touch) did not work. It was believed at the time that the digitizer not working was due to the severely cracked screen. After switching the screen out twice we sought help from our supplier. After working with them and trying a third screen it was determined that digitizer circuit on the logic board was bad. There is no way to just replace this circuit as it is integrated in to the logic board. We did discuss this with the Mrs. [redacted] before moving forward. After looking for a replacement we found that it was very costly to get an AT&T Logic board. I could get any other carrier at a much reduced cost. Logic board cost $223.50 for ATT 32GB Logic board used. After looking around some more realized we can get an entire phone with a working logic board that has not been unlocked or messed with for $151.00. I made a decision to go this route to obtain a working logic board.After looking at the numbers after receiving the working phone we realized the following.Cost to Client.$151.00 for the logic board.$71.00 for the screen.$50.00 for the labor.Total with Tax would be $290.48So by leaving the logic board in the phone it came in we would be able to keep our original quote.Cost to client.$71.00 for the screen.$70.00 for the logic board$50.00 for the labor.$71.00 plue $70.00 is $141.00. As you can wee we ate $10.00 on the phone leaving it this way, but I could live with that. My mistake was not communicating what we were doing on the changes and why. It was to save the client some money.Also now as this has all been pointed out we will not be refunding any money at all for the phone or any part of it. It is not our fault the logic board had a failure when it was brought in. I did what I felt would best help the client.

Do not get a commercial loan working with [redacted] Biggest jerk I have ever had to work withHe is condescending, rude, and has no clue how to manage a loanHe has horrible people skills

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I do not agree with their statement I was not able to receive my check that was showing available on my account till Monday Nov 7th I had a neg balance all weekend long by checking with the ATM because that check wasn't posted before 4pm when they cut off everything The tranfers were made all at the same time of day but was after the cut off time of 7pm which is what caused of my debit card transactions that I made when the money was there to bounce which they paid and charged me the for all I do not agree with their decision
Regards,
*** ***

On November 15, 2016, Peoples Bank received a copy of the Complaint filed with the Revdex.com by *** ** *** *** *** states in her complaint that on November 1, 2016, she transferred $from her daughter's account, in which she is the Representative Payee, to her personal
account and that the "money showed available" for use; however she was charged $in overdraft fees for transactions she made on November 1, Additionally, *** *** stated that due to the bank's recent system upgrade a direct deposit did not post to her account, and, therefore, she did not have access to her funds over the weekendWe have reviewed the account transactions in questionPlease note that the transfers between *** ***' and her daughter's accounts took place on two separate banking daysOn November 1, 2016, two transfers totaling $were made from the daughter's account to *** ***' accountAnd on November 2, 2016, four additional transfers totaling $were made from the daughter's account to *** ***' accountThe overdraft fees were a result of debit card transactions for purchases made on October 30, and posted to the account on November 1, A debit card transaction amount is immediately held as a pending transaction and deducted from the balance used to determine overdrafts, even though the amount of the transaction is not deducted from an account until the transaction has been received by the bank, This methodology is used because the payment is guaranteed and cannot be returned to the merchant processing the payment*** *** had authorized Peoples Bank to pay electronic transactions that would create an overdraftIf *** *** had chosen otherwise, the transactions that triggered the overdraft fees would have been declined*** *** can revoke the authority she gave Peoples Bank to pay electronic transactions that would create an overdraft to avoid this from occurring in the futurePeoples Bank mailed *** *** a notice detailing the transactions that triggered the overdraft fees on the day the fees were assessedPeoples Bank converted its core banking system on November 5, While our retail bank branches, on-line banking and telephone banking were closed the weekend of the system conversion, our customers had access to their available funds via the ATM network and through Debit Card processing*** *** scheduled direct deposits posted to her account on Thursday, November 3, and on Friday, November 4, Peoples Bank did not refund the overdraft fees as requested because the fees were not the result of bank error and were appropriately assessed

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
because what he is saying is making him sound like he did nothing wrong When we brought in the phone the bottom left of the phone screen worked and could swipe After he ordered the first two screens they did mention it may be the digitizer so when they ordered the screen they got the part with it That wasn't it so they mentioned the logic board because it was " the only part left to change" They said they ordered the logic board and didn't come in so they said they would order another one and instead they gave my son a different phone I was never called about it or asked if that was ok to do I just think they owe us the back I don't think they were honest and up front and it took over a month of missed deliveries to get any real service What they are telling you is half truths to make them look better and that is not a great way to run a business.I also don't see any response in *** saying cuss words under his breath at my son, who did happen to hear and I have a saved message where *** at EZ Tech admitted to doing this Unless we called or walked in there was no communication from them
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
This company and *** have lied and changed their story so many times First, my son did not bring in the phone his parents didSecond we stated it had a cracked screen *** never mentioned the digitizer on the initial visit On facebook you were doing business you were talking to me about my complaint and disgustingly selling you business to other people at the same time I don't want you to apologize any more There is a difference in apologizing and admitting you were in the wrong This process has been over a month with no communication unless we initiated it I want other consumers to be aware of the possibility of less than average business practices from your company We do have a different phone yes, where did this phone actually come from? Was it yours? How do you know it is a "good working phone" It is amazing how going to the Revdex.com used to be in the best interest of the consumers but now we have to fight and argue I have a legitimate complaint about the business practice of the EZ Tech Guys that I would like acknowledged I am still asking for a partial refund for my son This would be the right thing to do My son came right to my place of employment after you cussed at him You said *** to him because he wanted his logic board back to verify that it was actually his and his information Along with the check for partial refund I would also like a copy of the agreement I signed when I brought in the phone.
Regards,
*** ***

My son is years old, he paid for part of the repair and I paid for a portion "When I initially dropped off the phone we took it in for a cracked screen I had told EZ Tech that my son dropped in on graduation night I stood there and told them that there is a special way to
take off the back The gentleman wasn't listening and kept trying to pry off the back I repeated what I said and he kept prying Finally he said he would give it to the other guy that works there because he knows more about phones The phone did work and powered up when we took it in I asked if when he tried to pry off the back if the repair man could of nicked a part inside There was just always something else until finally the only thing to fix was the logic board This all took a month to do and there was always an excuse and I have no proof but I feel that they are and have been dishonest We never got a call saying they were switching phones My son did make the final payment because he needed a phone"When I was making a post on social media, and I have the proof, *** from EZ Tech admitted to cussing under his breath at my son If you need any other information please don't hesitate to ask.Thank you*** ***

Complaint: ***
I am rejecting this response because:
my phone is not in the same order (broken screen) as it was when we delivered it this isn't ***/*** or I would return the merchandise this is a service provided by a cell phone repair company when they realized that there was an issue, they should have warned me so that I could decide if I wanted to spend the moneywe have already sent the phone to our insurance company for a replacement phone I need a full refund of the repair that didn't work and they knew was an issue as I was told before picking up my phone that he didn't think it would hold I told the gentlemen to keep it until the adhesive set he said that it was ready for pickup but that we should let it sit for a few days I let it sit for a week, even put a case on it which defeats the purpose I want a full refund so that I can offset the $deductible to insurance we didn't have to repair the phone we had insurance I just wanted to salvage the back if we didn't insurance, of course, i'd keep messing with thisbut now that I realize that it's not going to be a full repair, i'm no longer interested in doing business with EZ Tech Guys besides, they didn't tell me there was an issue but instead were rude and unacceptable when I called to check the status of my phone after they had already had it for a month. in my own business, I stand behind my work if they aren't satisfied, I refund the fees paid or don't bill the hours for rework. *** * *** e*** *** * *** ***###-###-#### p If you work just for money, you'll never make it, but if you love what you're doing and you always put the customer first, success will be yours. - *** ***
Regards,
*** ***

On December 16, 2016, Peoples Bank received a copy of the response *** *** filed with the Revdex.com in response to Peoples Bank's response to her initial complaint dated November 1, As previously stated the transfers between *** *** and her daughter's accounts took place on two separate banking daysOn November 1, two transfers, totaling $104.00, were made and on November 2, four additional transfers, totaling $515.00, were madeThe overdraft fees were a result of debit card transactions for purchases made on October 30, and posted to the account on November 1, Additionally, as previously stated, *** *** scheduled direct deposits posted to her account on Thursday, November 3, and on Friday, November 4, The ending balance on the statement date of November 4, was $547.92, which included both direct deposits aforementionedThe beginning balance on the statement date of November 6, was $Peoples Bank representative did not refund the overdraft fees as previously requested due to previous overdraft and refund activityThere have been no additional findings that warrant a refund of the overdraft feesI invite *** *** to contact me directly for assistance regarding the posting of the above referenced transactions

To Whom It May Concern:     I filed a complaint earlier today after two days of no resolution from [redacted] Bank.  However, today a branch manager from [redacted] Bank reached out to me.  They are willing to return my money.  She said a check for $100.00 was being mailed to...

me today.  I did mention that deposit slips with account numbers would be helpful to customers as well as customers receiving monthly statements instead of statements every three months.  She was very nice and apologetic.  Thank you.[redacted]

The phone was brought in with a cracked screen.  The digitizer (touch) did not work.  It was believed at the time that the digitizer not working was due to the severely cracked screen.  After switching the screen out twice we sought help from our supplier.  After working with them and trying a third screen it was determined that digitizer circuit on the logic board was bad.  There is no way to just replace this circuit as it is integrated in to the logic board.  We did discuss this with the Mrs. [redacted] before moving forward.  After looking for a replacement we found that it was very costly to get an AT&T Logic board.  I could get any other carrier at a much reduced cost.  Logic board cost $223.50 for ATT 32GB Logic board used.  After looking around some more realized we can get an entire phone with a working logic board that has not been unlocked or messed with for $151.00.  I made a decision to go this route to obtain a working logic board.After looking at the numbers after receiving the working phone we realized the following.Cost to Client.$151.00 for the logic board.$71.00 for the screen.$50.00 for the labor.Total with Tax would be $290.48So by leaving the logic board in the phone it came in we would be able to keep our original quote.Cost to client.$71.00 for the screen.$70.00 for the logic board$50.00 for the labor.$71.00 plue $70.00 is $141.00.  As you can wee we ate $10.00 on the phone leaving it this way, but I could live with that. My mistake was not communicating what we were doing on the changes and why.  It was to save the client some money.Also now as this has all been pointed out we will not be refunding any money at all for the phone or any part of it.  It is not our fault the logic board had a failure when it was brought in.  I did what I felt would best help the client.

We all make mistakes from time to time.  If I said [redacted]  under my breath it's because I was not looking foward to putting the phone back together.  It wasn't directed towards anyone.  I've already apologized for it.  As far as any refund goes. I explained that the last time.  Her son stated to us that the digitizer did not work when he brought it in.  I gave her other options on facebook to remedy this whole situation.  I offered a refund for all the parts for the phone back.  She has a COMPLETELY GOOD WORKING PHONE!  I'm sorry for how it went down and that I didn't communicate enough.  I have now apologized 3 times.  I can not give a partial refund.  I would put me upside down on the phone.  She got a great deal.  It's a good phone.  I'm sorry for what I did and how I did it, but I can not issue a partial refund.  That is it, that is all there is, there is no more.  I wish them the best in the future.  I can not afford to spend any more time on this.Thanks[redacted]EZ Tech Guys.

Complaint: [redacted]
I am rejecting this response because: That is just a copy of a reply the company has already sent us.  The company knows we sent an email on 4/11 but we had a follow up phone call that the company has yet to acknowledge and admit we had on 4/13.  During that phone call we discussed with the companies agent that we wanted to have the real estate agent contact us prior to renewing the lease so we could see our options for selling the property but this was never done.
Regards,
[redacted]