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
This fee was not charged until I wanted to close this accountAs stated previously what they are doing is illegal by charging me a fee to close my accountThis was never known or added to account till I closed itI want my account closed and am not paying the dollars to do soI have already spoken to a attorney about this matter
Regards,
*** ***
Republic's initial response to this complaint was reviewed and determined to be accurate in all respectsOur overdraft limits are not fixed, but rather they are variable based on the client's deposit behavior and account history Attached are Republic's Q&As that we provide to all clients that should help Ms*** better understand how her account worked.Ms*** did not make a lot of deposits so her limits were
historically rather low or mostly zero; however, there was a $deposit to
the account on 8/29/which allowed her Overdraft limit to increase to $This
in turn allowed the $payment to *** to be paid on 9/23/14. The Overdraft
limit was zero when all the other overdraft *** payments were submitted to Republic for
paymentAll NSF’s were to *** Insurance. The $paid Overdraft was to
*** Insurance and the $paid Overdraft was a debit card payment to *** ***.We would encourage Ms*** to review the attached Q&A, it should address her questions
Ms*** requested a copy of her signed agreement to accept Overdraft protectionIt is attached. We have considered her request to resolve her obligation to Republic for the sum of $412.16. Republic will accept her offer of settlement. Her payment should be made to:*** ** ***Recovery Specialist Supervisor *** *** *** ***
*** *** ***Ph* ***
*** ***Upon receiving verified funds, ***Systems will be notifed that the account has been paid/settled. If she has further questions, she should contact Mr*** directly at the address or telephone number listed above
March 16, Revdex.com, IncAttn: Conciliation Department S4th Street Louisville, KY 40203- RE: *** ** *** *** ** *** To
Whom It May Concern: We are in receipt of the Complaint submitted by *** ** ***, dated March 5, 2018, and appreciate the opportunity to respond. It is our understanding of Ms***’s Complaint that her funds were not released to her in a timely manner after the filing of her tax return with TaxACT, and there was some possible miscommunication about why Ms***’s refund was delayed. We have reviewed our records and can provide the following response Mrand Mrs*** filed their taxes online at www.taxact.comOn February 17, 2018, when the IRS acknowledged the ***s’ tax return, their information was transmitted to Republic Bank & Trust Company (“Republic Bank”) from TaxACT for processing. Upon receipt of the application, Republic Bank sent a $test deposit to the ***s’ bank account they had designated for deposit of their refund, in effort to confirm the account was open and active. The test deposit was rejected from the ***s’ bank due to a bad account number. At that time, Republic Bank changed the disbursement method of the ***s’ return to a check. Upon receipt of Mrand Mrs***s’ refund from the IRS on February 28th, a check was immediately issued but, due to the amount of the check (over $9,000.00), it was sent to a queue to be reviewed by Risk Management before being printed and mailed, as a security measure. On March 5th at approximately 5:00PM, the Risk Management review was completed and the check was released. The following day, March 6th, Republic Bank’s Director of Client Operations, *** ***, printed the check and sent it via UPS Next Day Air to the address on file. Mr*** additionally spoke with Mrs*** to confirm the address and to provide an update, and subsequently to provide the UPS Tracking Number. Ms*** received the check the following morning We sincerely apologize to Ms*** for any inconvenience this process may have caused, and wish to assure her that the delay in processing her check was partially related to a desire on the part of Republic Bank to ensure the security of her funds prior to release. We hope that this response, along with receipt of the funds at issue, will alleviate Ms***’s concerns, however, we encourage Ms*** to contact us if she has any further questions regarding her funds We very much appreciate the opportunity to respond to this customer regarding her Complaint, and value highly our relationship with Revdex.com Louisville. If we can be of any further assistance as you review this matter, please do not hesitate to contact us Sincerely, *** ** ***
*** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
***
February 21,
*** *** *** *** ***
*** ** *** ***
*** ** ***
* *** *** * *** * *** *** *** To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank
& Trust Company (“Republic”) to respond. *** *** filed his taxes through an online tax software company (“TaxAct”). When filing his taxes online, *** *** applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House. This bank product is called a Refund Transfer. *** *** claims that Republic deducted *** from his state tax refund. Republic, in accordance with *** ***’s Bank Product Application and Agreement, only deducted *** in fees. As stated in *** ***’s Bank Product Application and Agreement, Republic does not guarantee the timing or the amount of *** ***’s federal or state tax refund. In *** ***’s particular case, the state of *** *** ** *** *** *** *** ** *** ***’* *** expected state tax refundAfter Republic deducted the authorized fees *** *** was disbursed to *** ***. We recommend that *** *** contact the *** ** *** Department of Revenue at *** *** to determine why his state tax refund was offset. We have attempted to contact *** ***, but have not been successful. If there are any questions or concerns regarding this situation, please feel free to contact me directly by *** *** ** *** *** Sincerely, *** ***
*** *** *** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
[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 ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** **
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***-***
The account was opened on December 22, The account had Overdraft privileges and the per item fees as well as the daily fees were properly disclosed to the clientas required by regulationClient had opted in for debit card transactions to authorize posting against her applicable Overdraft
Honor (ODH) limit and her account became negative the first time in January, Same thing happened in March, She had continued to intermittently use ODH to cover checks, ACHs and point of sale card purchases with fees assessing each timeAs a courtesy, Republic refunded $in lawfully assessed fees on 5/8/and another $on 7/21/Her account is currently, as of October 8, 2015, overdraft days and has a negative balance of (1046.05) of which is principal and is feesAs a further accommodation to Ms*** Republic has waived the unpaid fees of $and will waive or not charge any additional fees should they accrue to the accountSince no credits have been recently deposited to the account, we are sending Ms*** notification of Republic's closure of her accountRepublic still expects Ms*** to pay the sum of $to Republic for items Republic has paid on her behalf in order for her to preclude further collection activity
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
March 23,
Revdex.com, Inc
Attn: Conciliation Department
S4th Street
Louisville, KY 40203-
RE: Complaint ID 12730293, *** *** ***
To Whom It May Concern:
We are in receipt of the Complaint submitted by Mr*** *** *** on March 12, 2018,
and appreciate the opportunity to respondIt is our understanding of Mr***’s Complaint that he feels his requests for validation of his debt were not responded to in a timely mannerWe have reviewed our files and can provide the following response
According to our records, Mr*** was a Build Card account customer with Republic Bank & Trust Company (“Republic”)The Build credit card is a revolving line of credit product offered by RepublicThe Build Card solicitation and website provide detailed information about the credit card, what it costs and how it works
Mr*** applied for the Build Card, was approved for the card, and activated it on June 1, Mr*** thereafter used the entire line of credit on the card and failed to make payments for six consecutive monthsDue to non-payment, the account was charged-off in December 2016, and sent to our recovery agencyA final charge-off statement indicating that the account is charged off and the corresponding balance was sent to Mr*** at his current address on fileSubsequently, Mr*** was sent a letter by the recovery agency on March 27, 2017, which included the following: (1) the amount of Mr***’s debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless Mr***, within thirty days after receipt of the notice, disputed the validity of the debt, or any portion thereof, the debt would be assumed to be valid by our recovery agency; (4) a statement that if Mr*** notified our recovery agency in writing within the thirty-day period that his debt, or any portion thereof, was disputed, our recovery agency would obtain verification of the debt and a copy of such verification would be mailed to Mr*** by the recovery agency; and (5) a statement that, upon Mr***’s written request within the thirty-day period, our recovery agency would provide Mr*** with the name and address of the original creditor, if different from the current creditorNotably, the letter also included the name of Republic Bank & Trust Company as the original creditor of the debt
As noted, the letter indicated to Mr*** that he had thirty days from the date of the March letter to dispute the validity of the debtAccording to our records, we did not receive communication from Mr*** until receipt of his letter dated October 31, 2017, approximately six months after the initial communication was sent to Mr***
We are very sorry to hear of Mr***’s frustrationsSince receiving Mr***’s October correspondence, the recovery agency has provided further verification of the debt to Mr***In addition to this response, we have notified the credit bureau to delete the account from Mr***’s credit report, per his requestWe are hopeful that this correspondence, along with the materials that have been provided to Mr*** in response to his request, and the deletion of the account from Mr***’s credit report, will satisfy his concerns
We value our relationship with Revdex.com Louisville, and very much appreciate the opportunity to address this customer’s concernsIf we can be of further assistance, please do not hesitate to contact us
Sincerely,
*** ** ***
*** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
***
November 29, 2017 THE Revdex.com, INCS4th StreetLouisville, KY 40203- To Whom It May Concern: Republic Bank & Trust Company, the issuer of the *** Credit Card, is in receipt of Ms***’ complaint, dated November 10, 2017.
Thank you for allowing us to respond. Our records reflect that Ms*** initially contacted us on September 19, to enroll in our disaster relief programThis 3-month program, which waives minimum monthly payments as well as late and over limit fees, is set to expire on December 19, Unfortunately, due to an inadvertent error on our part, Ms***’ enrollment in the program was not successfully fulfilled on the date of her initial callWe apologize for any inconvenience this has caused Ms***. We have backdated Ms***’ enrollment in the program and the late fee she was charged has been waivedMs***’ account status with the credit reporting agencies has also been updated. Per her request, Ms***’ account is now closed. Ms*** can now pay down the balance on the account minus the fees waived. Given the backdating of the program, Ms***’ next minimum payment for the principal balance on her account is due on December 21, If you have any other questions, please feel free to call our customer service number at 1-800-634- Sincerely, *** ***Vice President, Associate CounselRepublic Bank & Trust Company*** *** *** ***
*** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
September 28, 2016 Revdex.com, Inc. 844 S. 4th Street Louisville, KY 40203-2186 RE: [redacted]; Complaint ID [redacted] Dear Conciliation Department: Republic Bank & Trust Company is in receipt...
of the referenced complaint, and we appreciate the opportunity to respond. According to our records, we entered into a repayment plan agreement with Ms. [redacted]. However, when the first payment was processed according to that plan on 9/9/2016, we inadvertently processed the normally scheduled payment as well. When Ms. [redacted] brought this to our attention, we asked that she provide a bank statement to show that both payments had cleared her account. We issued a refund on 9/20/2016. On 9/23/2016, we received additional documentation from Ms. [redacted], indicating that insufficient funds fees had been charged to her checking account as a result of our withdrawal. We will issue a refund of those charges, in the total amount of $144, on 9/29/2016. We apologize for the payment error and any inconvenience Ms. [redacted] has experienced as a result. Thank you for the opportunity to address this matter. Sincerely, [redacted]Vice President, Associate CounselRepublic Bank & Trust Company601 West Market StreetLouisville, KY 40202
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
[redacted]
*
*
[redacted]
*
*
[redacted] [redacted]
* To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond. Ms. [redacted] was...
attempting to cash a check drawn on Republic Bank & Trust Company (“Republic”). Unfortunately, she was not able to do so on February 10, 2016. We have attempted to contact Ms. [redacted] numerous times. Unfortunately, the contact number Ms. [redacted] provided does not allow us to leave a message. Thus, we have been unable to speak with Ms. [redacted] to determine what the cause of her issue may have been. However, Republic’s records show that Ms. [redacted] presented and cashed her check on February 15, 2016. We hope that Ms. [redacted]’s issue has been resolved, but will speak with Ms. [redacted] to determine the cause, if she so chooses. If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ([redacted]) or email ([redacted]). Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company 601 West Market Street Louisville, Kentucky 40202
[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 11878979, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Ms. [redacted] opened her account 3/5/2013 and from the time it
opened she was eligible for an overdraft limit and we have no record of her
requesting to NOT have one. If she can provide us with a copy of any document that reflects she declined overdraft priviledges, we will honor it and...
adjust our records accorrdingly.She also
signed to have her debit card authorized for transactions against the available
overdraft limit. With this said, we paid
some items on the account and others were returned if the balance plus the
overdraft limit was not sufficient to cover the checks or automatic withdrawals
attempting to clear the account. Since the $687.93 charge off balance was not collected at the time of charge-off, 11/21/2014, the account was sent outside the bank to a third party collector for collection. There was no improper action by the Bank.
The fee was part of the $190 fee charged the Bank for the legal filing of proof of claims on two loans related to the bankruptcy filing by Mr. [redacted]. He is responsible for repaying the Bank for this legal expense. We have allocated this fee and it was split between ML and LN...
for $95 each. Payoff amount is correct, but the full fee for the Proof of Claim filings is $190.00. If Mr.[redacted] would like us to put the full fee on the ML loan, we will be glad to handle it that way and refund the $95.00 legal fee charged on the CL loan.
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
This fee was not charged until I wanted to close this accountAs stated previously what they are doing is illegal by charging me a fee to close my accountThis was never known or added to account till I closed itI want my account closed and am not paying the dollars to do soI have already spoken to a attorney about this matter
Regards,
*** ***
Republic's initial response to this complaint was reviewed and determined to be accurate in all respectsOur overdraft limits are not fixed, but rather they are variable based on the client's deposit behavior and account history Attached are Republic's Q&As that we provide to all clients that should help Ms*** better understand how her account worked.Ms*** did not make a lot of deposits so her limits were
historically rather low or mostly zero; however, there was a $deposit to
the account on 8/29/which allowed her Overdraft limit to increase to $This
in turn allowed the $payment to *** to be paid on 9/23/14. The Overdraft
limit was zero when all the other overdraft *** payments were submitted to Republic for
paymentAll NSF’s were to *** Insurance. The $paid Overdraft was to
*** Insurance and the $paid Overdraft was a debit card payment to *** ***.We would encourage Ms*** to review the attached Q&A, it should address her questions
Per Ms*** she has been in the *** and is sorry she didn't respond previouslyShe does accept the company's offer and is satisfied
Ms*** requested a copy of her signed agreement to accept Overdraft protectionIt is attached. We have considered her request to resolve her obligation to Republic for the sum of $412.16. Republic will accept her offer of settlement. Her payment should be made to:*** ** ***Recovery Specialist Supervisor *** *** *** ***
*** *** ***Ph* ***
*** ***Upon receiving verified funds, ***Systems will be notifed that the account has been paid/settled. If she has further questions, she should contact Mr*** directly at the address or telephone number listed above
March 16, Revdex.com, IncAttn: Conciliation Department S4th Street Louisville, KY 40203- RE: *** ** *** *** ** *** To
Whom It May Concern: We are in receipt of the Complaint submitted by *** ** ***, dated March 5, 2018, and appreciate the opportunity to respond. It is our understanding of Ms***’s Complaint that her funds were not released to her in a timely manner after the filing of her tax return with TaxACT, and there was some possible miscommunication about why Ms***’s refund was delayed. We have reviewed our records and can provide the following response Mrand Mrs*** filed their taxes online at www.taxact.comOn February 17, 2018, when the IRS acknowledged the ***s’ tax return, their information was transmitted to Republic Bank & Trust Company (“Republic Bank”) from TaxACT for processing. Upon receipt of the application, Republic Bank sent a $test deposit to the ***s’ bank account they had designated for deposit of their refund, in effort to confirm the account was open and active. The test deposit was rejected from the ***s’ bank due to a bad account number. At that time, Republic Bank changed the disbursement method of the ***s’ return to a check. Upon receipt of Mrand Mrs***s’ refund from the IRS on February 28th, a check was immediately issued but, due to the amount of the check (over $9,000.00), it was sent to a queue to be reviewed by Risk Management before being printed and mailed, as a security measure. On March 5th at approximately 5:00PM, the Risk Management review was completed and the check was released. The following day, March 6th, Republic Bank’s Director of Client Operations, *** ***, printed the check and sent it via UPS Next Day Air to the address on file. Mr*** additionally spoke with Mrs*** to confirm the address and to provide an update, and subsequently to provide the UPS Tracking Number. Ms*** received the check the following morning We sincerely apologize to Ms*** for any inconvenience this process may have caused, and wish to assure her that the delay in processing her check was partially related to a desire on the part of Republic Bank to ensure the security of her funds prior to release. We hope that this response, along with receipt of the funds at issue, will alleviate Ms***’s concerns, however, we encourage Ms*** to contact us if she has any further questions regarding her funds We very much appreciate the opportunity to respond to this customer regarding her Complaint, and value highly our relationship with Revdex.com Louisville. If we can be of any further assistance as you review this matter, please do not hesitate to contact us Sincerely, *** ** ***
*** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
***
February 21,
*** *** *** *** ***
*** ** *** ***
*** ** ***
* *** *** * *** * *** *** *** To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing Republic Bank
& Trust Company (“Republic”) to respond. *** *** filed his taxes through an online tax software company (“TaxAct”). When filing his taxes online, *** *** applied to have Republic take out the tax preparation and bank fees, and then transfer the remaining refund to his account at another bank via Automated Clearing House. This bank product is called a Refund Transfer. *** *** claims that Republic deducted *** from his state tax refund. Republic, in accordance with *** ***’s Bank Product Application and Agreement, only deducted *** in fees. As stated in *** ***’s Bank Product Application and Agreement, Republic does not guarantee the timing or the amount of *** ***’s federal or state tax refund. In *** ***’s particular case, the state of *** *** ** *** *** *** *** ** *** ***’* *** expected state tax refundAfter Republic deducted the authorized fees *** *** was disbursed to *** ***. We recommend that *** *** contact the *** ** *** Department of Revenue at *** *** to determine why his state tax refund was offset. We have attempted to contact *** ***, but have not been successful. If there are any questions or concerns regarding this situation, please feel free to contact me directly by *** *** ** *** *** Sincerely, *** ***
*** *** *** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
[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 ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** *** **
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***-***
The account was opened on December 22, The account had Overdraft privileges and the per item fees as well as the daily fees were properly disclosed to the clientas required by regulationClient had opted in for debit card transactions to authorize posting against her applicable Overdraft
Honor (ODH) limit and her account became negative the first time in January, Same thing happened in March, She had continued to intermittently use ODH to cover checks, ACHs and point of sale card purchases with fees assessing each timeAs a courtesy, Republic refunded $in lawfully assessed fees on 5/8/and another $on 7/21/Her account is currently, as of October 8, 2015, overdraft days and has a negative balance of (1046.05) of which is principal and is feesAs a further accommodation to Ms*** Republic has waived the unpaid fees of $and will waive or not charge any additional fees should they accrue to the accountSince no credits have been recently deposited to the account, we are sending Ms*** notification of Republic's closure of her accountRepublic still expects Ms*** to pay the sum of $to Republic for items Republic has paid on her behalf in order for her to preclude further collection activity
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***
March 23,
Revdex.com, Inc
Attn: Conciliation Department
S4th Street
Louisville, KY 40203-
RE: Complaint ID 12730293, *** *** ***
To Whom It May Concern:
We are in receipt of the Complaint submitted by Mr*** *** *** on March 12, 2018,
and appreciate the opportunity to respondIt is our understanding of Mr***’s Complaint that he feels his requests for validation of his debt were not responded to in a timely mannerWe have reviewed our files and can provide the following response
According to our records, Mr*** was a Build Card account customer with Republic Bank & Trust Company (“Republic”)The Build credit card is a revolving line of credit product offered by RepublicThe Build Card solicitation and website provide detailed information about the credit card, what it costs and how it works
Mr*** applied for the Build Card, was approved for the card, and activated it on June 1, Mr*** thereafter used the entire line of credit on the card and failed to make payments for six consecutive monthsDue to non-payment, the account was charged-off in December 2016, and sent to our recovery agencyA final charge-off statement indicating that the account is charged off and the corresponding balance was sent to Mr*** at his current address on fileSubsequently, Mr*** was sent a letter by the recovery agency on March 27, 2017, which included the following: (1) the amount of Mr***’s debt; (2) the name of the creditor to whom the debt is owed; (3) a statement that unless Mr***, within thirty days after receipt of the notice, disputed the validity of the debt, or any portion thereof, the debt would be assumed to be valid by our recovery agency; (4) a statement that if Mr*** notified our recovery agency in writing within the thirty-day period that his debt, or any portion thereof, was disputed, our recovery agency would obtain verification of the debt and a copy of such verification would be mailed to Mr*** by the recovery agency; and (5) a statement that, upon Mr***’s written request within the thirty-day period, our recovery agency would provide Mr*** with the name and address of the original creditor, if different from the current creditorNotably, the letter also included the name of Republic Bank & Trust Company as the original creditor of the debt
As noted, the letter indicated to Mr*** that he had thirty days from the date of the March letter to dispute the validity of the debtAccording to our records, we did not receive communication from Mr*** until receipt of his letter dated October 31, 2017, approximately six months after the initial communication was sent to Mr***
We are very sorry to hear of Mr***’s frustrationsSince receiving Mr***’s October correspondence, the recovery agency has provided further verification of the debt to Mr***In addition to this response, we have notified the credit bureau to delete the account from Mr***’s credit report, per his requestWe are hopeful that this correspondence, along with the materials that have been provided to Mr*** in response to his request, and the deletion of the account from Mr***’s credit report, will satisfy his concerns
We value our relationship with Revdex.com Louisville, and very much appreciate the opportunity to address this customer’s concernsIf we can be of further assistance, please do not hesitate to contact us
Sincerely,
*** ** ***
*** ***
*** *** * *** ***
*** *** *** ***
*** *** ***
***
November 29, 2017 THE Revdex.com, INCS4th StreetLouisville, KY 40203- To Whom It May Concern: Republic Bank & Trust Company, the issuer of the *** Credit Card, is in receipt of Ms***’ complaint, dated November 10, 2017.
Thank you for allowing us to respond. Our records reflect that Ms*** initially contacted us on September 19, to enroll in our disaster relief programThis 3-month program, which waives minimum monthly payments as well as late and over limit fees, is set to expire on December 19, Unfortunately, due to an inadvertent error on our part, Ms***’ enrollment in the program was not successfully fulfilled on the date of her initial callWe apologize for any inconvenience this has caused Ms***. We have backdated Ms***’ enrollment in the program and the late fee she was charged has been waivedMs***’ account status with the credit reporting agencies has also been updated. Per her request, Ms***’ account is now closed. Ms*** can now pay down the balance on the account minus the fees waived. Given the backdating of the program, Ms***’ next minimum payment for the principal balance on her account is due on December 21, If you have any other questions, please feel free to call our customer service number at 1-800-634- Sincerely, *** ***Vice President, Associate CounselRepublic Bank & Trust Company*** *** *** ***
*** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
September 28, 2016 Revdex.com, Inc. 844 S. 4th Street Louisville, KY 40203-2186 RE: [redacted]; Complaint ID [redacted] Dear Conciliation Department: Republic Bank & Trust Company is in receipt...
of the referenced complaint, and we appreciate the opportunity to respond. According to our records, we entered into a repayment plan agreement with Ms. [redacted]. However, when the first payment was processed according to that plan on 9/9/2016, we inadvertently processed the normally scheduled payment as well. When Ms. [redacted] brought this to our attention, we asked that she provide a bank statement to show that both payments had cleared her account. We issued a refund on 9/20/2016. On 9/23/2016, we received additional documentation from Ms. [redacted], indicating that insufficient funds fees had been charged to her checking account as a result of our withdrawal. We will issue a refund of those charges, in the total amount of $144, on 9/29/2016. We apologize for the payment error and any inconvenience Ms. [redacted] has experienced as a result. Thank you for the opportunity to address this matter. Sincerely, [redacted]Vice President, Associate CounselRepublic Bank & Trust Company601 West Market StreetLouisville, KY 40202
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
[redacted]
*
*
[redacted]
*
*
[redacted] [redacted]
* To Whom It May Concern: Thank you for bringing this complaint to our attention and allowing us to respond. Ms. [redacted] was...
attempting to cash a check drawn on Republic Bank & Trust Company (“Republic”). Unfortunately, she was not able to do so on February 10, 2016. We have attempted to contact Ms. [redacted] numerous times. Unfortunately, the contact number Ms. [redacted] provided does not allow us to leave a message. Thus, we have been unable to speak with Ms. [redacted] to determine what the cause of her issue may have been. However, Republic’s records show that Ms. [redacted] presented and cashed her check on February 15, 2016. We hope that Ms. [redacted]’s issue has been resolved, but will speak with Ms. [redacted] to determine the cause, if she so chooses. If there are any questions or concerns regarding this situation, please feel free to contact me directly by phone ([redacted]) or email ([redacted]). Sincerely, [redacted] Vice President, Associate Counsel Republic Bank & Trust Company 601 West Market Street Louisville, Kentucky 40202
[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 11878979, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Ms. [redacted] opened her account 3/5/2013 and from the time it
opened she was eligible for an overdraft limit and we have no record of her
requesting to NOT have one. If she can provide us with a copy of any document that reflects she declined overdraft priviledges, we will honor it and...
adjust our records accorrdingly.She also
signed to have her debit card authorized for transactions against the available
overdraft limit. With this said, we paid
some items on the account and others were returned if the balance plus the
overdraft limit was not sufficient to cover the checks or automatic withdrawals
attempting to clear the account. Since the $687.93 charge off balance was not collected at the time of charge-off, 11/21/2014, the account was sent outside the bank to a third party collector for collection. There was no improper action by the Bank.
The fee was part of the $190 fee charged the Bank for the legal filing of proof of claims on two loans related to the bankruptcy filing by Mr. [redacted]. He is responsible for repaying the Bank for this legal expense. We have allocated this fee and it was split between ML and LN...
for $95 each. Payoff amount is correct, but the full fee for the Proof of Claim filings is $190.00. If Mr.[redacted] would like us to put the full fee on the ML loan, we will be glad to handle it that way and refund the $95.00 legal fee charged on the CL loan.