Santa Barbara Tax Products Group

February 26,
*** ***
*** *** *** *** ***
class="MsoNormalCxSpMiddle" "text-align:justify">*** *** *** ** ***
Dear Mr***,
This is in response to your
complaint filed against Santa Barbara Tax Products Group (TPG) through the
Revdex.com on February 18,
In your complaint, you stated
that you filed your tax return through ***After learning your
account was placed on hold, you were asked to submit your identification to the
TPG websiteYou attempted to call TPG’s customer service but were unable to
reach a reprehensive to answer your questions
If a taxpayer enters a bank
account that will not accept the refund deposit, the transaction is rejected by
the receiving bankOftentimes this occurs because the taxpayer has entered
incorrect bank account information or the account is closedIn these cases,
the receiving bank rejects the transaction, and returns the funds to the
sender, in this case, TPGTPG has nothing to do with the incorrect account
information entered by the taxpayer or the receiving bank’s decision to reject
the fundsOnce TPG receives the rejected refund, the company has the option of
making another attempt to disburse the funds to the customer or simply
returning the funds to the IRS
Controls are in place to protect
our customers from identity theft and fraudTPG has requested that you provide
your valid personal ID to verify that you are the correct account holder. Your information was being verified and the
hold was released from your accountOn February 23, TPG processed your tax
refund as a check and mailed it to you on the same datePlease allow up to
days for the check to reach your address listed above
We apologize for the inconvenience
in which your inquiry was not handled by our customer service agents. Customer courtesy is an extreme priority for
us and in this case, we apparently failed you.
All the customer agents involved have been reminded of their obligation
to always process customer inquiries and in a respectful manner
If you have any questions or
concerns, please feel free to contact me directly at ***, Monday
through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

February 10,
*** ***
*** ** *** ***
*** **
***
Dear Ms***,
This is in response to the complaint filed against Santa
Barbara Tax Products Group (TPG) to the Revdex.com on February
Upon review of your record, you had initially contacted TPG
to advise that your name was not on the bank account provided for the deposit
of your refundOnce your information was updated and verified, TPG was able to
send your check to the address on recordThe package was delivered on February
10, and signed for by ** *** as evidenced on the *** website
On behalf of TPG, I would like to formally apologize for any
trouble or inconvenience this may have caused youIf you have any questions,
please feel free to contact me at ***, Monday through Friday, 7am to
4pm
Sincerely,
*** ***
Compliance Analyst

This is to inform you that this complaint has been resolved. Thank you for your consideration in this matter! sans-serif;">*** ***

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
Regards,
*** ***
I have verified my information twice in the past weekI have attempted to contact you business about my take return approx times and have been hung up on several times left on hold for minutes several times and spoken to by some very nasty peopleTurbo tax had a glitch ando cut off my account number it was nothe entered in wrong by me they have taken full responsibility and refunded what I paid for there serviceI do not understand why your employees are so nastyAll I am asking for is my money which belongs to meI have jumped through all of the requestrian hoops several times and this is getting oldOne of your employees even threatened to send my money back to the IRS and "make me one through 5-months of hell to get it backI am hoping you can help keep get my return back in a timely mannerI just left you a voice mail after phone calls and different people most of which refused to figure out who you were and transfer me to you when I called the number you gave me in the voice mail

February 24, *** *** *** *** *** *** ***, ** *** Dear *** ***, This letter is in response to your complaint filed against Santa Barbara Tax Products Group (TPG) through the Revdex.com on February 19,
In your complaint, you state your refund was released to Santa Barbara Tax Products Group but the company (TPG) will not release the funds To give you some background information and help you appreciate our role in your complaint, we would like to explain TPG’s relationship with *** *** Bank (Bank)TPG is a third party processor for the BankThrough this relationship, *** *** is able to offer tax products which are sold through TPG through independent tax professionals and online tax preparation servicesThe product you have used through TPG, called a “Refund Transfer”, allowed you to pay for your tax software and tax preparation fees directly out of your tax refundThis saved you the difficulty of paying these fees upfront to your tax preparer or Software CompanyOn January 27, 2017, TPG received your electronic filing record from ***This means that you used *** to prepare your own tax return and you elected to utilize a Refund Transfer to pay your software feesTPG received the data file and no monies were transferred On February 22, 2017, your refund was approved by the IRS and payment was made to TPGOn February 22, 2017, TPG deducted the fees related to your Refund Transfer and made payment to the bank account you indicated on your tax return. It is recommended that you contact the *** *** for *** *** *** at ***-***-*** to inquire further about your refund. If you have any questions or concerns, please do not hesitate to contact TPG directly at ***-***-***, Monday through Friday, 7:am to 4:pm Sincerely, *** *** Program Operations Manager

February 18,
*** ***
*** *** *** *** *
*** ** ***
class="MsoNormal">
Dear Ms***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on February
15,
In your complaint, you stated that your refund was rejected
and you needed to send in your identification to verify your account
Unfortunately, after contacting TPG’s customer service a number of times, you
were given different time spans for when your account would be released from
the holdYou also expressed how some Customer Service agents were rude towards
you
Upon review of your record, a Refund Transfer (RT) was
chosen when your taxes were prepared through Turbo Tax. On February 9, the IRS funded your
federal return; fees were deducted to pay your Turbo Tax user fees of $
and an additional Bank processing fee of $for the RTPlease review the
fee disclosure in your online agreement, a sample copy has been attachedThe
balance was deposited to the account instructed on the *** *** Refund
Processing Agreement. *** rejected
the funds and declared the account an R04/ “Invalid Account Number”. You may contact your bank and provide them
with trace number: *** for further details regarding the rejection
of funds.
If a taxpayer enters a bank account that will not accept the
refund, the transaction is rejected by the receiving bankOften times this
occurs because the taxpayer has entered the wrong account information or the
account is closedIn these cases, the receiving bank “rejects” the
transaction, and returns the funds to the sender, in this case, TPGWhen the
rejected refund was returned, TPG has the opportunity to deliver the refund to
the customer using an alternative delivery method.
On February 18, 2016, TPG released the hold on your account
Please allow hours for the check to process.
Once the check is issued, it may take up to days to be received at
your address on record
On behalf of TPG, I would like to formally apologize for the
poor customer service experience you had when inquiring about your refund
Customer courtesy is an extreme priority for us and in this case, we failed
youAll of the agents involved have been reminded of their obligation to
always process customer inquiries in a respectful manner
If you have any questions or concerns, please feel free to
contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

***
***
*** *** *** ***
*** ** ***
RE: Case ***
Dear
*** ***,
This
email is in response to the complaint filed against Santa Barbara Tax Products
Group to the Revdex.com on February 19, regarding service
issues
We
realize that you personal confidential information has been compromised and
your tax refund, in effect, has been stolen. Be assured that the *** has
a process available to provide restitution for taxpayers who have had their
identity compromised and their refund stolen. We will help you as a
victim get restitution from the ***. Unfortunately this process will take
some time and restitution won’t be immediate. We will supply some forms
and information to help you initiate the process. Additionally, you
should take measures to enhance the security of your confidential personal
information in all areas. We have performed analytics and are confident
that this breach did not occur at *** or your online tax provider and
unfortunately it is likely that the breach occurred through one of the large
national data breaches that has been publicized in the past 12months or through
a phishing scheme directed to one of your personal devices
We
are working with you to help you resolve this issue in a more timely
manner. *** *** with our office has
contacted you with a suggestion that we believe will resolve your issue
completely. If you are not satisfied
with Mr***’s suggestion, please let us know.
As
a victim of identity theft, you should take immediate steps to protect your
personal information
File a report with the local policeFile a complaint with the *** *** *** or the *** *** *** *** at *** or TTY ***Contact one of the three major credit bureaus to place a ‘fraud
alert’ on your credit records:
***, ***
***, ***
***, ***
Close any accounts opened without your permission or tampered
with It is recommended you take
these additional steps:
Respond immediately to any *** notice; call the number providedComplete *** Form 14039, Identity Theft AffidavitUse a fill-able
form at ***.gov, print, then mail or fax according to their instructionsFor your
convenience, I have also included a copy of this formContinue to pay your taxes and file your tax return, even if you
must do so by paperIf you previously contacted the *** and did not have a
resolution, contact the *** *** *** *** at ***
Respectfully,
*** ***
Compliance
Analyst
cc: Revdex.com

February 26,
*** ***
** *** *** *** ***
*** ** ***
Dear Ms***,
This is in response to your
complaint filed against Santa Barbara Tax Products Group (TPG) through the
Revdex.com on February 18,
Your complaint stated that
your
direct deposit was rejected because there was an error with the account number
You spoke with customer service but were unable to receive the information you
needed regarding your tax refund
If a taxpayer enters a bank
account that will not accept the refund deposit, the transaction is rejected by
the receiving bankOften times this occurs because the taxpayer has entered
the incorrect bank account information or the account is closedIn these
cases, the receiving bank “rejects” the transaction, and returns the funds to
the sender, in this case, TPGTPG has nothing to do with the incorrect account
information entered by the taxpayer or the receiving bank’s decision to reject
the fundsOnce TPG receives the rejected refund, the company has the option of
making another attempt to disburse the funds to the customer or simply
returning the funds to the IRSAs you mentioned in your statement, you
requested TPG return the funds to the IRS initially, and then later decided to
validate your identity through our website so that we could disburse the funds
directly to you
The aforementioned controls are
in place to protect our customers from identity theft and fraudOn February
23, I spoke with you on the phone regarding the hold on your accountOn the
same day, TPG was able to verify your information and release the holdTPG
processed your check and sent it February Please allow up to days for the
check to reach your address on file
If you have any questions or
concerns, please feel free to contact me at ***, Monday through
Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

Dear *** ***, This letter is in response to the complaint filed against Santa Barbara Tax Products Group (TPG) on April 4, According to our records, TPG received the rejected funds from your financial institution on March 1, The purpose of this letter is to confirm that TPG has initiated the process to return funds associated with your tax return filing back to the Internal Revenue Service, specifically the RICS/IVO Division of the IRS in Fresno, on 04/10/This process will take at least business days from the initiated date to return the fundsPlease allow approximately 8-weeks from that date for the IRS to acknowledge receipt of fundsFunds are routinely returned to the IRS after a certain time-frame due to various factors including, but not limited to, rejected deposits, checks returned as undelivered, unclaimed funds, identity thefts, and erroneous filingsWe apologize for any inconvenience this may have caused, but please be patient and allow adequate time for the funds to be acknowledged and processed prior to contacting the IRS regarding your refund statusSincerely, *** *** Compliance Analyst

March 3,
*** ***
*** *** ***
class="MsoNormalCxSpMiddle" "line-height:107%">*** ** ***
Dear Ms***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on February
23,
Your complaint stated that you filed your taxes with *** *** and were notified on February that your funds were rejected by your
bankBy February 15, you had submitted your identification twice for
verificationYou spoke with TPG’s customer service and given different time
frames when the verification process would be completed
Controls are in place to protect our customers from identity
theft and fraudOn February 25, TPG was able to verify your information,
released the hold from your account and as contracted, mailed a check to your
address on recordOur records show that your check was cashed on March 3,
Thank you for taking the time to communicate to us why our
service did not meet your expectations.
We have every desire to address your needs and provide the best solution
available to resolve your issue as soon as possible. We hope the points listed above offered a
fair solution
If you have any other questions or concerns, please feel
free to contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

April 18,
*** ***
*** *** ***
*** ** ***
class="MsoNormal">
Dear Ms***,
This is in response to your complaint against Santa Barbara
Tax Products Group (TPG) through the Revdex.com on May 9,
In your complaint you stated that you filed your taxes using
the Refund Transfer (RT) to have your fees taken out of your refundOn March
30, you uploaded your identification after learning your refund was on hold
After waiting over the day timeframe, you have not been able to reach someone
to inquire about the hold on your account
We experienced extremely large call volumes which correlated
to extremely large funding from the IRSThis unexpected spike in business
caused extreme demands on our resources such as our customer call centerWe
apologize for the inconvenience this has caused you and the difficulty to reach
a customer service agent
Upon review of your record, TPG did not receive your refund
from the IRS since you filed your tax returnAfter having a representative
contact the IRS on your behalf, TPG wanted to explain to you where your funds
wentYour refund has been applied to past dues owed to the government, such as
for example, child support, another federal agency debt, or state income tax
The IRS will send you a notice explaining why you have not received your refund
since you filed your return
For further information or questions regarding your tax
return, please contact the IRS at 800-304-
On behalf of TPG, I would like to apologize to you for any
inconvenience you may have experiencedThank you for taking the time to
communicate to us why our service did not meet your expectationsIf you have
any other questions or concerns, please feel free to contact me at 877-908-7228,
Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

I filled my on February 2, and my expected refund date should of been
Feb24, but the IRS had a delay with taxes..so it changed my date to Mar 2-7th the date and left...NO refund...So the IRS told me to all the bank because they had released the funds to the BANK with is (SBTPG) I called them on the Mar9th I had to upload my drivers license to verify my identity...They said it would take business days to process...well its been days and no refund...costumer service only told me that my account was put on hold with NO explanation as to why my account was put on holdThis very unprofessional and displays a untrustworthy feeling with me...I will NOT deal with bank anymore!!

*** ***
***
S *** *** Rd #**
***
AZ ***
RE:
Case ***
July 13,
Dear
*** ***,
This letter is in response to the complaint
filed against Santa Barbara Tax Products
Group (TPG) to the Revdex.com of San Diego on
June 29, regarding your tax refund deposit.
Controls
are in place to protect our customers from identity theft and fraudIn this
scenario the identifying documents requested to confirm identity where never received
Because we were unable to obtain the personal information from you in order to
verify your identity, we couldn’t proceed any further in our efforts
TPG
returned your funds to the IRS on October 23, It is recommended that you
contact the IRS at 800-829-for further details
Please feel free to contact me at
877-***, Monday through Friday am to pm, if you have any further
questions or concerns regarding this complaint
Respectfully,
*** ***
Compliance Analyst

May 6, *** *** *** *** *** *** * Chicago, IL Dear *** ***, We are writing in response to your complaint filed against Santa Barbara Tax Products Group (TPG) on April 26, Your complaint stated when you filed your taxes, you elected to have your tax software fees
deducted from your tax refund. On February 10, 2016, you received notification indicating that your refund was paid. You contacted TPG to tell them that your bank closed your account and asked that your refund be returned to you or to the IRS. You were not informed that you needed to send in your identification in order to allow TPG to release your refund to youOn March 31, 2016, you received an email stating your refund was returned to the IRSAfter speaking an agent at the IRS, you were informed that they haven’t received your refund nor was there an attempt made by TPG until April 19, To address your complaint while protecting your identity we have written you a detailed letter with specific information regarding your accountPlease refer to tracking number *** *** ***. Our letter outlines the timeline of events and referenced specific dollar amountsTo respond to your Revdex.com complaint, we will summarize the events, but please reference the letter we sent you for additional detailsIn summary, on January 19, 2016, TPG received your electronic filing record from Turbo TaxThis means that you used tax software to prepare your own tax return and you elected to utilize a Refund Transfer (RT) to pay your software feesTPG received the data file and no monies were transferred. On February 9, 2016, your refund was approved by the IRS and payment was made to TPG. On February 9, 2016, TPG made payment to the bank you indicated on your tax returnUnfortunately, the account you designated your refund to be deposited into was closed which caused your bank, The Fifth Third Bank, to reject the transaction on February 12, 2016. Your return was sent back to TPG and placed on hold in a non-interest bearing accountOn February 25, 2016, you called TPG inquiring about your refund statusA TPG representative informed you that your account was placed on a hold and provided you instructions to remove the hold. You requested that your funds be returned to the IRSTPG sent your refund, back to the IRS, as per your request. Please understand that due to heightened fraud in the tax industry we need to have validation procedures in place to verify the identity of transactions that meet certain criteriaSince your payment was rejected from your bank, we require that you help us validate your account by providing identification. We understand your frustration and apologize for any inconvenience that you may have experiencedSincerely, *** *** Compliance Analyst

[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,
*** ***

*** ***
face="Times New Roman" size="3">
*** *** Road
*** AL ***
Re: Case ***
May 27,
Dear *** ***,
This is in response to the complaint filed
against Santa Barbara Tax Products Group (TPG) to the Revdex.com of
San Diego on May 22, regarding
customer service
When TPG
received your complaint, we contacted you directly at *** and left a
voice mailIn accordance with your online contract, a temporary account was
opened to receive and process your income tax refund and pay your Turbo Tax
user fees and an additional bank deposit product feeUpon review of your
record, IRS funded your federal return on February 18, Fees were deducted
to pay your Turbo Tax user fees and an additional bank processing feeYour
Bank rejected the funds and declared the account an R“Invalid Account
Number”The
funds were returned to TPG on
February 19, You may contact your bank and provide them with trace
number *** to discuss the rejection of funds
TPG allows taxpayers the opportunity to
correct their initial mistake and avoid reprocessing until the item is
reprocessed, which may be several days or several weeks. TPG offers a Web site where customers can
change their account informationTPG’s customer service efforts are highly
successful as customers each year utilize the Web to change account information
prior to IRS fundingAs you state in your complaint your identity could not be
confirmedControls are in place to protect our customers from identity theft
and fraudBefore you can make any changes to your original record, you are
required to answer a few questions which are meant to be difficultYou may
even need your records to answer themThey are used to ensure that nobody but
you can change your personal and confidential informationBecause we were
unable to obtain the personal information from you in order to verify your
identity, we couldn’t proceed any further in our efforts
In regards
to fees, TPG provided the service which we were contracted to provide in
deducting the applicable fees and depositing the monies into the account which
you directed on the online agreementMost banks typically charge between $
and $for return item feesIn this case, you were charged a $
reprocessing fee for the rejection of funds and an additional legal processing
fee of $to return funds back to the IRSPlease review your application and agreement
for full disclosure
TPG
has returned your funds to the IRSPlease allow approximately 10-weeks from
the date for the IRS to acknowledge receipt of fundsIt is recommended that
you contact the IRS at 800-*** for further details
Please feel
free to contact me at ***, Monday through Friday am to pm, if you
have any further questions or concerns regarding this complaint
Respectfully,
***
***
Compliance
Analyst

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 14,
*** ***
*** *** *** *
*** ** ***
Dear *** ***,
This is in response to your complaint filed against Santa
Barbara Tax Products Group (TPG) through the Revdex.com on March 4,
In your complaint, you
stated that after filing your taxes
with Taxslayer, you entered the incorrect routing number for your accountAs a
result, you needed to upload your identification to TPG for verificationYou
tried calling TPG’s customer service for updates on your account but either was
unable to speak to someone or could not reach someone
We have experienced extremely large call volumes which
correlates to extremely large funding from the IRSThis unexpected spike in
business caused extreme demand on our resources such as out call centerWe
apologize for the inconvenience this has caused you and the inability for you
to reach live customer support
As a risk control, rejected transactions are placed on hold
until TPG can verify the taxpayer’s identity, at which time a Cashier’s Check
is issued. On March 4, 2016, TPG was
able to verify your information and released the hold on the accountThe
refund was reissued as a Cashier’s Check on March 7, 2016. Please allow up to days for the check to reach
your address on record
Thank you for taking the time to communicate to us why our
service did not meet your expectationsIf you have any other questions or
concerns, please feel free to contact me at ***, Monday through
Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst

*** ***
*** ***
Street
*** FL
***
RE: Case ***
July 21,
Dear ***
***,
This
is in response to the complaint filed against Santa Barbara Tax Products Group
(TPG) to the
Revdex.com on July 18, regarding identity
theft.
Please allow me to
discuss who we are and what products we offer to taxpayers in order for you to
gain a better understanding of our role in processing your tax return
refund. *** ***, N.A(Bank)
offers tax related financial products through a network of tax preparation
franchises, independent tax professionals and online tax preparation
providers. Santa Barbara Tax Products
Group is a third part processor for the Bank and is providing a response on
behalf of its partner *** ***, N.A.
*** *** N.Aprovides a product known as the Refund Transfer
(RT). The RT provides the taxpayer a
method of having their tax preparation fees deducted from their tax refund
without paying any out-of-pocket costs.
When the taxpayer prepares their taxes through *** ***, they can
choose to deduct their fess from their refund.
When the taxpayer selects our bank product, they direct the IRS to
deposit their tax refund into a temporary account at the Bank. When the Bank receives the IRS refund
(usually less than days from the filing date), the Bank makes deductions
from the refund to pay the software user fees and deposit product fee. The balance of the refund is then disbursed
to the taxpayer by way of deposit to an account designated by the taxpayer
(either a personal bank account or prepaid card). TPG is simply a third party processor which
serves as an intermediary between the IRS and the taxpayer and has no direct
access to the tax preparation event or the transmittal of the return to the
IRS
The return was
acknowledged and verified by the IRS, TPG has no reason to question the information
providedWe had to assume that the application sent to us was sent by the
taxpayer and that the sensitive personal and confidential information provided
therein was your account information
From
your inquiry, it appears that you may be a victim of identity theftIt is
recommended you take immediate steps to protect your personal information
File a report with the local police.File a complaint with the Federal Trade Commission or the FTC
Identity Theft Hotline at 1-877-438-or TTY 1-866-653-4261.Contact one of the three major credit bureaus to place a ‘fraud
alert’ on your credit records: Equifax, 1-800-525-6285Experian, 1-888-397-3742TransUnion, 1-800-680-7289Close any accounts opened without your permission or tampered
with. It is also recommended you
take these additional steps:
Respond immediately to any IRS notice; call the number provided.Complete IRS Form 14039, Identity Theft AffidavitUse a fill-able
form at IRS.gov, print, then mail or fax according to their instructionsFor your convenience, I have also
included a copy of this form.Continue to pay your taxes and file your tax return, even if you
must do so by paper.As a courtesy, the legal processing
fee of $25, and the bank fee will be remitted back to the IRS for
processingThis may take several days to several weeks and is dependent on IRS
processing timesPlease feel free to contact me at
877-908-7228, Monday through Friday am to pm, for further details relating
to the refund and return transactionPlease feel free to contact
me at 877-908-7228, Monday through Friday am to pm if you have any further
concerns or questions regarding this complaint.[k1] Respectfully, ***
***Compliance
Analyst
[k1]Redundant. Keep one or combine

February 15, *** ***
* *** *** **
*** ***
** ***
Dear Ms***,
This is in response to your complaint filed
against Santa Barbara Tax Products Group (TPG) through the RevDex.com on February 12,
In your complaint, you stated that were not
satisfied with the amount you received with your refundYou expected to be
refunded more than what was given to you
For purposes unknown to TPG, the Financial Management Service (FMS) intercepted your refund before it was received at
TPG. FMS offsets taxpayers’ refunds
through the Treasury Offset Program (TOP) to pay off past-due child support,
federal agency non-tax debts such as student loans and state income tax
obligationsOffsets to non-tax debts occur after the IRS has certified the
refunds to FMS for payment but before FMS makes the Direct Deposits or issues
the paper checksRefund offsets reduce the amount of the expected Direct
Deposit or paper check but they do not delay the issuance of the remaining
refund (if any) after offsetIf taxpayers owe non-tax debts they may contact
the agency they owe, prior to filing their returns, to determine if the agency
submitted their debts for refund offsetFMS sends taxpayers offset notices if
it applies any part of their refund to non-tax debtsTaxpayers should contact
the agencies identified in the FMS offset notice when offsets occur if they
dispute the non-tax debts or have questions about the offsetsIf taxpayers
need further clarification, they may call the Treasury Offset Program Call
Center at *** ***
If you have any questions or concerns, please feel
free to contact me at ***, Monday through Friday, 7am to 4pm
Sincerely,
*** ***
Compliance Analyst