This business is not BBB accredited.

Union Bank

Find a Location

Phone: (800) 238-4486 Fax: (714) 985-3764 View Additional Phone Numbers 400 California Street 1st Floor, San Francisco, CA 94104 http://www.unionbank.com


BBB Business Reviews may not be reproduced for sales or promotional purposes.

Description

This company offers banking services.


BBB Accreditation

This business is not BBB accredited.

Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation.

To be accredited by BBB, a business must apply for accreditation and BBB must determine that the business meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses must pay a fee for accreditation review/monitoring and for support of BBB services to the public.


Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised the rating for Union Bank include:

  • Length of time business has been operating
  • Complaint volume filed with BBB for business of this size
  • Response to 67 complaint(s) filed against business
  • Resolution of complaint(s) filed against business


Customer Complaints Summary Read complaint details

67 complaints closed with BBB in last 3 years | 27 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 10
Billing/Collection Issues 13
Delivery Issues 17
Guarantee/Warranty Issues 2
Problems with Product/Service 25
Total Closed Complaints 67

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Union Bank
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: January 01, 1962 Business started: 07/05/1864 Business started locally: 07/05/1864
Type of Entity

Corporation

Business Management
Mrs. Melondee Baskerville, Vice President Masashi Oka, CEO and President Mr. James Vanderburg, Customer Care Liason
Contact Information
Principal: Mrs. Melondee Baskerville, Vice President
Customer Contact: Mr. James Vanderburg, Customer Care Liason
Number of Employees

1

Business Category

Banks


Additional Locations

  • THIS LOCATION IS NOT BBB ACCREDITED

    1151 A St

    Hayward, CA 94541

  • THIS LOCATION IS NOT BBB ACCREDITED

    1248 5th Ave

    San Rafael, CA 94901

  • THIS LOCATION IS NOT BBB ACCREDITED

    1456 Cortez Ave

    Burlingame, CA 94010

  • THIS LOCATION IS NOT BBB ACCREDITED

    1555 Mount Diablo Blvd

    Walnut Creek, CA 94596

  • THIS LOCATION IS NOT BBB ACCREDITED

    1675 Post St.

    San Francisco, CA 94115

  • THIS LOCATION IS NOT BBB ACCREDITED

    1887 El Camino Real

    Burlingame, CA 94010

  • THIS LOCATION IS NOT BBB ACCREDITED

    1970 Franklin St

    Oakland, CA 94612

  • THIS LOCATION IS NOT BBB ACCREDITED

    2990 Dolores Way

    Burlingame, CA 94010

  • THIS LOCATION IS NOT BBB ACCREDITED

    3223 Crow Canyon Road #200

    San Ramon, CA 94583

  • THIS LOCATION IS NOT BBB ACCREDITED

    350 California Street

    San Francisco, CA 94104

  • THIS LOCATION IS NOT BBB ACCREDITED

    39305 Paseo Padre Pkwy

    Fremont, CA 94538

  • THIS LOCATION IS NOT BBB ACCREDITED

    400 California Street 1st Floor

    San Francisco, CA 94104 (800) 238-4486 (415) 765-2000

  • THIS LOCATION IS NOT BBB ACCREDITED

    453 Miller Ave

    Mill Valley, CA 94941

  • THIS LOCATION IS NOT BBB ACCREDITED

    5190 Clayton Rd

    Concord, CA 94521

  • THIS LOCATION IS NOT BBB ACCREDITED

    630 Las Gallinas Avenue

    San Rafael, CA 94903

  • THIS LOCATION IS NOT BBB ACCREDITED

    799 Laurel Street

    San Carlos, CA 94070

  • THIS LOCATION IS NOT BBB ACCREDITED

    95 Southgate Avenue

    Daly City, CA 94015

  • THIS LOCATION IS NOT BBB ACCREDITED

    Mail Code: B02-021
    P.O. Box 45000

    San Francisco, CA 94145

  • THIS LOCATION IS NOT BBB ACCREDITED

    201 N Broadway

    Greensburg, IN 47240

  • THIS LOCATION IS NOT BBB ACCREDITED

    100 S. High St.

    Columbus Grove, OH 45830

  • THIS LOCATION IS NOT BBB ACCREDITED

    3211 Elida Rd.

    Lima, OH 45805

  • THIS LOCATION IS NOT BBB ACCREDITED

    1300 N Main St

    Bowling Green, OH 43402

  • 303 Main Street North

    Jamestown, TN 38556

  • P.O. Box 100

    Jamestown, TN 38556

  • THIS LOCATION IS NOT BBB ACCREDITED

    6850 S. York Hwy.

    Clarkrange, TN 38553

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 2055

    Clarkrange, TN 38553

  • THIS LOCATION IS NOT BBB ACCREDITED

    1450 East American Lane
    Suite 1400

    Schaumburg, IL 60173

  • THIS LOCATION IS NOT BBB ACCREDITED

    1320 N State St

    Belvidere, IL 61008

  • THIS LOCATION IS NOT BBB ACCREDITED

    120 W 12th St

    Kansas City, MO 64105

  • THIS LOCATION IS NOT BBB ACCREDITED

    9300 Blue Ridge Blvd

    Kansas City, MO 64138

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 419655

    Kansas City, MO 64141

  • THIS LOCATION IS NOT BBB ACCREDITED

    1700 Highway 49 N

    Beulah, ND 58523

  • THIS LOCATION IS NOT BBB ACCREDITED

    Po Box 789

    Beulah, ND 58523

  • THIS LOCATION IS NOT BBB ACCREDITED

    2442 Broadway

    Quincy, IL 62301

  • THIS LOCATION IS NOT BBB ACCREDITED

    500 N Akard St Ste 4200

    Dallas, TX 75201

  • THIS LOCATION IS NOT BBB ACCREDITED

    5250 N Palm Ave Ste 100

    Fresno, CA 93704

  • THIS LOCATION IS NOT BBB ACCREDITED

    1458 Kern Street

    Fresno, CA 93724

  • THIS LOCATION IS NOT BBB ACCREDITED

    1069 N. Champlain

    Fresno, CA 93720

  • THIS LOCATION IS NOT BBB ACCREDITED

    2001 S. Mooney Blvd.

    Visalia, CA 93278

  • THIS LOCATION IS NOT BBB ACCREDITED

    150 W. Olive Ave.

    Merced, CA 95348

  • THIS LOCATION IS NOT BBB ACCREDITED

    225 W 7th St

    Hanford, CA 93230

  • THIS LOCATION IS NOT BBB ACCREDITED

    2110 High Street

    Selma, CA 93662

  • THIS LOCATION IS NOT BBB ACCREDITED

    801 E Prosperity Ave

    Tulare, CA 93274

  • THIS LOCATION IS NOT BBB ACCREDITED

    5669 E Kings Canyon Rd

    Fresno, CA 93727

  • THIS LOCATION IS NOT BBB ACCREDITED

    565 E Shaw Ave

    Fresno, CA 93710

  • THIS LOCATION IS NOT BBB ACCREDITED

    6666 N. Cedar Ave

    Fresno, CA 93710

  • THIS LOCATION IS NOT BBB ACCREDITED

    1591 E Noble Ave

    Visalia, CA 93292

  • THIS LOCATION IS NOT BBB ACCREDITED

    840 Herndon #102

    Clovis, CA 93612

  • THIS LOCATION IS NOT BBB ACCREDITED

    1504 Howard Rd

    Madera, CA 93637

  • THIS LOCATION IS NOT BBB ACCREDITED

    201 North D Street

    Madera, CA 93638

  • THIS LOCATION IS NOT BBB ACCREDITED

    105 W Hanford Armona Rd

    Lemoore, CA 93245

  • THIS LOCATION IS NOT BBB ACCREDITED

    3750 W. Shields Ave

    Fresno, CA 93722

  • THIS LOCATION IS NOT BBB ACCREDITED

    7075 N. Marks

    Fresno, CA 93726

  • THIS LOCATION IS NOT BBB ACCREDITED

    5201 W. Goshen Ave

    Visalia, CA 93277

  • THIS LOCATION IS NOT BBB ACCREDITED

    Unpublished

    Mammoth Lakes, CA 93546

  • THIS LOCATION IS NOT BBB ACCREDITED

    900 W. Henderson Ave.

    Fresno, CA 93722

  • THIS LOCATION IS NOT BBB ACCREDITED

    1580 E. Manning

    Reedley, CA 93654

  • THIS LOCATION IS NOT BBB ACCREDITED

    1157 N Willow Ave

    Clovis, CA 93611

  • THIS LOCATION IS NOT BBB ACCREDITED

    841 Tucker Road

    Caruthers, CA 93609

  • THIS LOCATION IS NOT BBB ACCREDITED

    1049 Seventh Street

    Wasco, CA 93280

  • THIS LOCATION IS NOT BBB ACCREDITED

    3015 W Shaw Ave

    Fresno, CA 93711

  • THIS LOCATION IS NOT BBB ACCREDITED

    2066 W Bullard Ave

    Fresno, CA 93711

  • THIS LOCATION IS NOT BBB ACCREDITED

    495 Park Blvd

    Orange Cove, CA 93646

  • THIS LOCATION IS NOT BBB ACCREDITED

    2130 Chester Ave

    Bakersfield, CA 93301

  • THIS LOCATION IS NOT BBB ACCREDITED

    5400 Stockdale Highway

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    2641 Oswell St Ste a

    Bakersfield, CA 93306

  • THIS LOCATION IS NOT BBB ACCREDITED

    229 N. Main Street

    Porterville, CA 93257

  • THIS LOCATION IS NOT BBB ACCREDITED

    4300 Coffee Rd STE A6

    Bakersfield, CA 93308

  • THIS LOCATION IS NOT BBB ACCREDITED

    1308 Main St.

    Delano, CA 93215

  • THIS LOCATION IS NOT BBB ACCREDITED

    901 Tower Way # 100

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    7900 White Ln

    Bakersfield, CA 93309

  • THIS LOCATION IS NOT BBB ACCREDITED

    665 Tucker Rd

    Tehachapi, CA 93561

  • THIS LOCATION IS NOT BBB ACCREDITED

    1101 Market St

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    11015 Sorrento Valley Rd

    San Diego, CA 92121

  • THIS LOCATION IS NOT BBB ACCREDITED

    1175 Rosecrans

    San Diego, CA 92106

  • THIS LOCATION IS NOT BBB ACCREDITED

    1201 5th Ave

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    12312 Poway Rd

    Poway, CA 92064

  • THIS LOCATION IS NOT BBB ACCREDITED

    128 E Cole Rd

    Calexico, CA 92231

  • THIS LOCATION IS NOT BBB ACCREDITED

    1313 12th Ave

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    13219 Black Mtn Rd

    San Diego, CA 92129

  • THIS LOCATION IS NOT BBB ACCREDITED

    1343 3rd Ave

    Chula Vista, CA 91911

  • THIS LOCATION IS NOT BBB ACCREDITED

    141 N Magnolia Ave

    San Diego, CA 92020

  • THIS LOCATION IS NOT BBB ACCREDITED

    1435 Camino Del Mar

    Del Mar, CA 92014

  • THIS LOCATION IS NOT BBB ACCREDITED

    1666 Euclid Ave

    San Diego, CA 92105

  • THIS LOCATION IS NOT BBB ACCREDITED

    1678 Mission Rd

    Fallbrook, CA 92028

  • THIS LOCATION IS NOT BBB ACCREDITED

    16880 Bernardo Center

    San Diego, CA 92128

  • THIS LOCATION IS NOT BBB ACCREDITED

    1706 Garnet Ave

    San Diego, CA 92109

  • THIS LOCATION IS NOT BBB ACCREDITED

    1858 Cable St

    San Diego, CA 92107

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 D St

    Encinitas, CA 92024

  • THIS LOCATION IS NOT BBB ACCREDITED

    204 N El Camino Real #A

    Encinitas, CA 92024

  • THIS LOCATION IS NOT BBB ACCREDITED

    2131 Pan American Plaza

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    22 E 8th St

    National City, CA 91950

  • THIS LOCATION IS NOT BBB ACCREDITED

    2256 Avenida De La Playa

    San Diego, CA 92037

  • THIS LOCATION IS NOT BBB ACCREDITED

    2652 Jamacha Rd

    El Cajon, CA 92019

  • THIS LOCATION IS NOT BBB ACCREDITED

    2733 Vista Way

    Oceanside, CA 92054

  • THIS LOCATION IS NOT BBB ACCREDITED

    290 Main

    Brawley, CA 92227

  • THIS LOCATION IS NOT BBB ACCREDITED

    2927 University Ave

    San Diego, CA 92104

  • THIS LOCATION IS NOT BBB ACCREDITED

    303 W Grand Ave

    Escondido, CA 92025

  • THIS LOCATION IS NOT BBB ACCREDITED

    3151 E Imperial Hwy

    Brea, CA 92821

  • THIS LOCATION IS NOT BBB ACCREDITED

    3261 Sports Arena Blvd

    San Diego, CA 92110

  • THIS LOCATION IS NOT BBB ACCREDITED

    3285 Lemon Grove Ave

    Lemon Grove, CA 91945

  • THIS LOCATION IS NOT BBB ACCREDITED

    344 Laurel St

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    3455 Del Mar Heights Rd

    San Diego, CA 92130

  • THIS LOCATION IS NOT BBB ACCREDITED

    3900 5th Ave #100

    San Diego, CA 92103

  • THIS LOCATION IS NOT BBB ACCREDITED

    410 H St

    Chula Vista, CA 91910

  • THIS LOCATION IS NOT BBB ACCREDITED

    4225 Genesee Ave

    San Diego, CA 92117

  • THIS LOCATION IS NOT BBB ACCREDITED

    4239 Genesee Ave

    San Diego, CA 92117

  • THIS LOCATION IS NOT BBB ACCREDITED

    424 W San Ysidro Blvd

    San Ysidro, CA 92173

  • THIS LOCATION IS NOT BBB ACCREDITED

    4390 University Ave

    San Diego, CA 92105

  • THIS LOCATION IS NOT BBB ACCREDITED

    4660 La Jolla Village Dr #175

    San Diego, CA 92122

  • THIS LOCATION IS NOT BBB ACCREDITED

    471 College Blvd

    Oceanside, CA 92054

  • THIS LOCATION IS NOT BBB ACCREDITED

    4771 Spring St

    La Mesa, CA 91941

  • THIS LOCATION IS NOT BBB ACCREDITED

    5121 Waring Rd

    San Diego, CA 91941

  • THIS LOCATION IS NOT BBB ACCREDITED

    530 B St #1200

    San Diego, CA 92101

  • THIS LOCATION IS NOT BBB ACCREDITED

    5680 Mission Center Rd

    San Diego, CA 92108

  • THIS LOCATION IS NOT BBB ACCREDITED

    576 Main St

    El Centro, CA 92243

  • THIS LOCATION IS NOT BBB ACCREDITED

    576 W Main

    San Diego, CA 92113

  • THIS LOCATION IS NOT BBB ACCREDITED

    580 N 2nd St

    El Cajon, CA 92021

  • THIS LOCATION IS NOT BBB ACCREDITED

    590 Main St

    Brawley, CA 92227

  • THIS LOCATION IS NOT BBB ACCREDITED

    6004 Paseo Delicias

    Rancho Santa Fe, CA 92067

  • THIS LOCATION IS NOT BBB ACCREDITED

    6010 El Cajon Blvd

    El Cajon, CA 92115

  • THIS LOCATION IS NOT BBB ACCREDITED

    638 Camino De Los Mares

    San Clemente, CA 92673

  • THIS LOCATION IS NOT BBB ACCREDITED

    660 Palomar St

    Chula Vista, CA 91910

  • THIS LOCATION IS NOT BBB ACCREDITED

    669 S Rancho Santa Fe

    San Marcos, CA 92069

  • THIS LOCATION IS NOT BBB ACCREDITED

    6988 El Camino Real

    Carlsbad, CA 92009

  • THIS LOCATION IS NOT BBB ACCREDITED

    711 University Ave

    San Diego, CA 92103

  • THIS LOCATION IS NOT BBB ACCREDITED

    7140 Avenida Encinas

    Carlsbad, CA 92008

  • THIS LOCATION IS NOT BBB ACCREDITED

    7250 Mesa College Dr

    San Diego, CA 92111

  • THIS LOCATION IS NOT BBB ACCREDITED

    7770 Clairemont Mesa Blvd

    San Diego, CA 92123

  • THIS LOCATION IS NOT BBB ACCREDITED

    780 Otay Lakes Rd

    Chula Vista, CA 91910

  • THIS LOCATION IS NOT BBB ACCREDITED

    7807 Girard Ave

    La Jolla, CA 92037

  • THIS LOCATION IS NOT BBB ACCREDITED

    7999 Frost St

    San Diego, CA 92123

  • THIS LOCATION IS NOT BBB ACCREDITED

    800 Orange Ave

    Coronado, CA 92118

  • THIS LOCATION IS NOT BBB ACCREDITED

    800 Palm Ave

    Imperial Beach, CA 91932

  • THIS LOCATION IS NOT BBB ACCREDITED

    810 Turquoise St

    San Diego, CA 92109

  • THIS LOCATION IS NOT BBB ACCREDITED

    8155 Mercury Ct

    San Diego, CA 92111

  • THIS LOCATION IS NOT BBB ACCREDITED

    825 Escondido Ave

    Vista, CA 92084

  • THIS LOCATION IS NOT BBB ACCREDITED

    8359 Mira Mesa Blvd

    San Diego, CA 92126

  • THIS LOCATION IS NOT BBB ACCREDITED

    840 Carlsbad Village Dr

    Carlsbad, CA 92008

  • THIS LOCATION IS NOT BBB ACCREDITED

    840 S Hill St

    Oceanside, CA 92054

  • THIS LOCATION IS NOT BBB ACCREDITED

    8630 Lake Murray Rd

    San Diego, CA 92119

  • THIS LOCATION IS NOT BBB ACCREDITED

    9760 Mission Gorge Rd

    Santee, CA 92701

  • THIS LOCATION IS NOT BBB ACCREDITED

    9846 Campo Rd

    Spring Valley, CA 91977

  • THIS LOCATION IS NOT BBB ACCREDITED

    PO Box 85443 M-711

    San Diego, CA 92186

  • THIS LOCATION IS NOT BBB ACCREDITED

    11 S Milpitas Blvd

    Milpitas, CA 95035

  • THIS LOCATION IS NOT BBB ACCREDITED

    1400 Munras Ave

    Monterey, CA 93940

  • THIS LOCATION IS NOT BBB ACCREDITED

    1700 The Alameda

    San Jose, CA 95126

  • THIS LOCATION IS NOT BBB ACCREDITED

    3060 Crenshaw Blvd STE A

    Los Angeles, CA 90016

  • THIS LOCATION IS NOT BBB ACCREDITED

    400 University Ave

    Palo Alto, CA 94301

  • THIS LOCATION IS NOT BBB ACCREDITED

    495 S Mathilda Avenue

    Sunnyvale, CA 94086

  • THIS LOCATION IS NOT BBB ACCREDITED

    2092 Tapo St

    Simi Valley, CA 93063

  • THIS LOCATION IS NOT BBB ACCREDITED

    1144 Morro Street

    San Luis Obispo, CA 93401

  • THIS LOCATION IS NOT BBB ACCREDITED

    1100 Monterey Street, Suite 200

    San Luis Obispo, CA 93401

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    5420 Carpinteria Avenue

    Carpinteria, CA 93013

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    299 N. Fairview Ave.

    Goleta, CA 93117

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    5190 Hollister Avenue

    Santa Barbara, CA 93111

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    1030 Coast Village Road

    Santa Barbara, CA 93108

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    3451 State St.

    Santa Barbara, CA 93105

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    220 W. Nogales Avenue

    Santa Barbara, CA 93105

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    1483 E. Valley Road

    Santa Barbara, CA 93108

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    1960 Cliff Drive

    Santa Barbara, CA 93109

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    2010 Mission Drive

    Solvang, CA 93463

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    157 W Highway 246

    Buellton, CA 93427

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 1788

    Buellton, CA 93427

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara , CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    3910 State Street

    Santa Barbara, CA 93105

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    250 S. Mills Road

    Ventura, CA 93003

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    2385 N. Oxnard Blvd.

    Oxnard, CA 93030

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    2310 E. Ponderosa Drive

    Camarillo, CA 93010

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    789 S. Victoria Ave.

    Ventura, CA 93003

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    2445 Alamo Pintado Avenue, #101

    Los Olivos, CA 93441

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa BarbarA, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 North H Street

    Lompoc, CA 93436

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    1307 North H Street, Ste. C

    Lompoc, CA 93436

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 N H St.

    Lompoc, CA 93436

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    335 E.Betteravia Road

    Santa Maria, CA 93454

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara , CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    200 N H St.

    Lompoc, CA 93435

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    7078 Market Place Dr.

    Goleta, CA 93117

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    566 Sespe Ave.

    Fillmore, CA 93015

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    537 W. Harvard Blvd.

    Santa Paula, CA 93060

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    711 East Daily Drive, Suite 200

    Camarillo, CA 93010

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    948 E. Main St.

    Santa Paula, CA 93060

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 471

    Santa Paula, CA 93061

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    1500 S. Broadway

    Santa Maria, CA 93454

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    805 North H St.

    Lompoc, CA 93436

  • THIS LOCATION IS NOT BBB ACCREDITED

    695 Channel Islands Blvd.

    Port Hueneme, CA 93041

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    33 West Thousand Oaks Blvd.

    Thousand Oaks, CA 91360

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    101 N. Westlake Blvd.

    Westlake Village, CA 91362

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    20 E. Carillo St

    Santa Barbara, CA 93101

  • THIS LOCATION IS NOT BBB ACCREDITED

    P.O. Box 60839

    Santa Barbara, CA 93160

  • THIS LOCATION IS NOT BBB ACCREDITED

    501 Country Club Dr.

    Simi Valley, CA 93065

  • THIS LOCATION IS NOT BBB ACCREDITED

    1714 Mission Drive

    Solvang, CA 93463

  • THIS LOCATION IS NOT BBB ACCREDITED

    10900 Northeast 8th Street, Suite 100

    Bellevue, WA 98004

  • THIS LOCATION IS NOT BBB ACCREDITED

    119 E College Way

    Mount Vernon, WA 98273

  • THIS LOCATION IS NOT BBB ACCREDITED

    1200 5th Ave STE 100

    Seattle, WA 98101

  • THIS LOCATION IS NOT BBB ACCREDITED

    1212 E 1st St

    Port Angeles, WA 98362

  • THIS LOCATION IS NOT BBB ACCREDITED

    12507 116th Ave NE

    Kirkland, WA 98034

  • THIS LOCATION IS NOT BBB ACCREDITED

    132 Kirkland Ave

    Kirkland, WA 98033

  • THIS LOCATION IS NOT BBB ACCREDITED

    1501 Commerce St

    Tacoma, WA 98402

  • THIS LOCATION IS NOT BBB ACCREDITED

    17000 Avondale Way

    Redmond, WA 98052

  • THIS LOCATION IS NOT BBB ACCREDITED

    1995 Commercial St SE

    Salem, OR 97302

  • THIS LOCATION IS NOT BBB ACCREDITED

    2200 W Sims Way

    Port Townsend, WA 98368

  • THIS LOCATION IS NOT BBB ACCREDITED

    2416 NE Fremont St

    Portland, OR 97212

  • THIS LOCATION IS NOT BBB ACCREDITED

    2825 NE 125th St

    Seattle, WA 98125

  • THIS LOCATION IS NOT BBB ACCREDITED

    3410 Woburn St

    Bellingham, WA 98226

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    407 SW Broadway

    Portland, OR 97205

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    4417 S Meridian

    Puyallup, WA 98373

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    4620 Bridgeport Way W

    University Place, WA 98466

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    4851 Lakemont Blvd SE STE A1

    Bellevue, WA 98006

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    5125 Olympic Dr NW STE 108

    Gig Harbor, WA 98335

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    5602 15th Ave NW

    Seattle, WA 98107

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    601 N 34th St STE B

    Seattle, WA 98103

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    727 N 10th St STE A

    Renton, WA 98057

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    801 Alder Ave

    Sumner, WA 98390

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    802 Alder Ave

    Sumner, WA 98390

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    8870 271st St NW

    Stanwood, WA 98292

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    900 Meridian E STE 17

    Milton, WA 98354

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    901 W Washington St

    Sequim, WA 98382

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BBB Customer Review Rating plus BBB Rating Overview


BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.
Details

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

Complaint Detail(s)

7/23/2016 Problems with Product/Service
7/23/2016 Problems with Product/Service
7/20/2016 Problems with Product/Service
7/15/2016 Problems with Product/Service
7/6/2016 Billing/Collection Issues
7/6/2016 Advertising/Sales Issues
6/10/2016 Billing/Collection Issues
5/24/2016 Problems with Product/Service
4/5/2016 Delivery Issues
4/4/2016 Billing/Collection Issues
3/18/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I was charged 5 overdraft fees of $33 each. After reviewing my own records as well as the online banking, i should have only been charged 2 overdraft fees. I contacted the bank customer service and basically was brushed off as being wrong and they didn't even take the time to listen to the breakdown of information I had that would have shown them that I was charged too many fees.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want the 3 extra overdraft fees refunded back to my account (a total of $99.00).

Business Response: Initial Business Response /* (1000, 5, 2016/03/11) */ Dear Ms. ********: MUFG Union Bank, N.A., (the "Bank" or "Union Bank") is in receipt of your complaint to the*********************************** with regard to you recently being charged insufficient funds fees and your interaction with the Bank's Retail Customer Service over the telephone. I am responding on behalf of the Office of the President and we appreciate your patience while waiting for our response. First and foremost, thank you very much for taking the time to bring these matters to our attention. We appreciate your time and effort of being able to do so. Union Bank is dedicated to providing our clients with an unparalleled level of customer service. This is a commitment we take very seriously. Should issues arise, we want to ensure that we quickly and effectively remedy the situation. With that said, per your *** complaint, it appears that this was not the case. Please be advised that I had the opportunity to review the recording of your call with the Bank's Retail Customer Service agent you spoke with regarding the insufficient fund fees you were inquiring about. With regard to your complaint, you shared that the Bank's customer service brushed you off as being wrong and didn't take the time to listen to your logic of why you were charged too many fees. Research revealed that this was not the case. The customer service agent handled your call very amicably and professionally. From what I could discern, there was no contestation or dismissal of your inquiry as she only communicated why you were charged the fees. With regard to your request to be refunded insufficient funds fee for $99, as you feel that these fees are unfounded, please be advised that we have your account under review to see if there was a Bank error. Should there be a Bank error, we will definitely provide you with a refund. Please be advised that a final determination with regard to your fee refund request will be provided to you in writing within 7-10 business days. Should you have any questions please contact us at (************ or email us at ******************************.com. Sincerely, *** ********* ****** Office of the President / Customer Care MUFG Union Bank, N.A. Initial Consumer Rebuttal /* (2000, 7, 2016/03/17) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept their response as they have my account under review for bank error. I will wait for their final decision.

Consumer Response: (The consumer indicated he/she ACCEPTED the response from the business.)
I accept their response as they have my account under review for bank error. I will wait for their final decision.

2/10/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have had a savings account with Union Bank for over a year. I went into the bank on X-XX-XXXX only to discover that my account had been closed. I have had a savings account with Union Bank for over a year. I went into the bank on X-XX-XXXX only to discover that my account had been closed. I had not been informed that it was going to be closed. I have a very limited income and cannot always make regular deposits, but I have been calling the bank's 800 number and had not been told the account was closed. I also had automatic deposits from the VA health care system set up for automatic deposit. These deposits are itinerant, not regular. My complaint is that the bank did not send me a notice that my account was going to be closed. I have been expecting a payment from the VA, but without that automatic deposit, it is gone. ADDITIONAL DETAILS: Case is being handled by another organization: Union Bank of California Porterville Branch

Desired Settlement: I would like to have my account reopened or a new account in place. I also would like to be informed at any time in the future that my account is in danger of being closed.

Business Response: Initial Business Response /* (1000, 5, 2016/01/25) */ Dear Ms. *******: MUFG Union Bank, N.A., (the "Bank" or "Union Bank") is in receipt of your recent Better Business Bureau (the "BBB") complaint regarding the closure of your account. I am responding on behalf of the Office of the President and I appreciate your patience while waiting for our response. In summary, you shared that you were upset because the Bank did not notify you that your account was going to be closed. I appreciate the opportunity to review your circumstance and in response wish to relay the following: First and foremost, I'd like to notify you that a written response was provided to your pertaining to this circumstance. Research revealed that your account reached a zero balance, which was the reason why your account was closed. We regret to be notified of any hardship or inconvenience this may have caused you. Should you have any questions, please contact us directly at ********************@unionbank.com or write to us at: MUFG Union Bank, N.A. PO BOX 953 New York, NY XXXXX Mail Code: BXX-XXXX Attn: The Office of the President Sincerely, ************** Office of the President / Customer Care MUFG Union Bank, N.A.

2/8/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I write with the hope you will be able to help me get some answers to questions I have asked my bank (Union Bank of *******) but they have not responded. At this time I am in the ********** County Jail in *******. I have been here since July 8th 2015. I was in contact with Miss ***** ******* (Branch Service Manager) an everything seemed alright at that time because I had $400.00 released from my account thru Miss ******* to be sent to my niece who lives in ************. that was done in Oct 2015. Since that time I have wrote Miss ******* 5 times Oct 15th, Oct 22nd, Nov 6th, Dec 4th and Dec 27th asking for a statement of my account.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I have heard nothing from her or the bank about my requests asking about my account balance or if anyone has tried to access my account or used my name to open any accounts with credit cards yet. I asked them this (as I explained in a letter to Union Bank) because my friends girlfriend came to the county jail to get my wallet an send it to my niece so she can send me phone numbers an address that I needed.That was to be right after my wallet was picked up here on August 07th 2015! The wallet has not been sent to my niece yet! My niece is going to contact the police. I?m waiting to find out how or who I click with that can tell me if someone is using my I.D. (calif ID & Veterans I.D. cards) to get credit cards etc. I looked forward to hearing from you concerning this matter.PS I have called the bank using a prepaid phone card but they wouldn?t take my call. I also had my bank ATM card cancelled soon after I got here in July of 2015Respectfully ***** A ****

Business Response: Initial Business Response /* (1000, 5, 2016/01/20) */ Contact Name and Title: ***** **********, Officer Contact Phone: XXXXXXXXXX Contact Email: ********************@unionbank.com Your concerns are important to us, and we appreciate the opportunity to address them. We apologize that your earlier letters were not responded to. In order to help customers with their accounts, we ask for our customers to visit us in-person at a local branch or call our customer service department at (XXX) XXX-XXXX. One important reason that we ask for our clients to visit in-person or call us is to prevent identity theft by performing customer identification. Because your ability to contact us is limited temporarily, as a one-time courtesy exception, we have enclosed copies of the past three months of your account's statement. In the future, any requests for assistance with your account should be writing and include notarization. As an additional alternative, you may wish to consider establishing a Power of Attorney on your checking account to assist you with your banking needs. Should you wish to establish a Power of Attorney on your account, you will need to have the designated appointee visit a local Union Bank office to obtain the bank's required Power of Attorney form. The completed and notarized form will need to be returned to Union Bank and approved in order to make the Power of Attorney effective. We recommend that you seek legal advice to determine any other available options for you. Mr. ****, thank you for the opportunity to review and respond to your concerns. Should you have any additional questions, you are welcome to write to us at the address listed below. Sincerely, ***** ********** Officer Office of the President/Customer Care

2/2/2016 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Our account was closed in Aug 2015 when we left California, however $71 in finance charges were later accessed to the account. They are still there. When we left California in Aug of this year we closed our Union Bank account XXXXXXXXXX or so we thought. There was a delay in closing our account and in the meantime an automatic payment of $300 was sent and processed and charges were accessed to the account since there were no funds in it. We called and were told that once the payment was received the fees would be removed and the account closed. This never happened, and they continued to add additional fees onto the account until they decided to force close it still with no communication to us. The total fees at that time and still today are $71. We have tried on several occasions to have this matter resolved to no avail with the latest attempt today. The representative said that we would have to contact the branch office, and the branch office continues to say that we have to speak to the loss and recovery unit that we were speaking to.

Desired Settlement: Remove the $71 in finance charges that were accessed to the account after it was closed.

Business Response: Initial Business Response /* (1000, 7, 2016/01/12) */ Dear Ms. **************: MUFG Union Bank, N.A., (the "Bank" or "Union Bank") is in receipt of your complaint to the Better Business Bureau (the "BBB") dated December 28, 2015, with regard to recent fees that were assessed to your account. We appreciate you reaching out to the Bank and providing your feedback. Please be advised that we have responded in writing and that you should be receiving that response shortly via the mail. We believe that you will be pleased with the outcome as we were able to refund the amount as you requested. Ms. **************, should you have any questions or wish to discuss the resolution letter further, please contact me at (XXX)XXX-XXXX or email me at the ********************@unionbank.com. Sincerely, ************* Office of the President / Customer Care MUFG Union Bank, N.A. Initial Consumer Rebuttal /* (2000, 9, 2016/02/01) */ (The consumer indicated he/she ACCEPTED the response from the business.) Thank you BBB for facilitating the resolution of this dispute. Thanks Union Bank for agreeing to this settlement.

2/2/2016 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I have had an account with Union Bank since 1997 and it has always been a free no service fee account, but when they desire they start to charge $10 On July 2014 I had spoken with ******* ********* and have a written letter from the branch verifying I have a No Fee online banking account. But again starting November 2015 they have started charging me $10.00 for a monthly fee. I do not know why? No one responds and they send me a message to call. I live in ***** and have for many years and cannot afford to make a phone call only to talk to a machine. They claim that since 2012 they no longer have free accounts. But as long as I make a yearly deposit I have continue to have a No fee account with them. Can someone help. Maybe there is someone embezzling from the account due to non activity but I do not understand how they can keep my account open for so long with very little activity for years and start to charge ten dollars. The balance was only $400.00 not much by there standards but times are tough and I have been unemployed for a few years and every penny counts. Thank you for your time.

Desired Settlement: I left the account with $400.00 dollars as of July 2014 and wish that it remains that amount. My aunt deposits 20 or 30 per year as a Birthday or Christmas gift and I hope they do not touch that amount either.

Business Response: Initial Business Response /* (1000, 5, 2016/01/12) */ Contact Name and Title: ***** **********, Officer Contact Phone: XXXXXXXXXX Contact Email: ********************@unionbank.com Your concerns are important to Union Bank, and we appreciate the opportunity to address them. Anytime a customer raises concerns of embezzling, this is a serious issue for the bank to review and address. After reviewing your account, please be assured that all applicable fees, including monthly services, are disclosed when an account is opened. Occasionally, updates to our product offerings, including discontinuing or introducing products, will result in a change to the cost of a fee and how the fee could potentially be avoided. When this occurs, we will notify our customers in writing. Based on our review of your account, we can confirm monthly service charges were automatically assessed to your account as the guidelines to avoid the fee were not met. In reviewing our letter to you dated July 7, 2014, this communication informs you that online banking and bill pay is available to you as a free service. The letter also states that, "Other charges, such as overdraft fees and regular monthly service charges for some accounts will still apply." While your account may have been assessed a monthly service charge in the past, there are options to avoid this particular fee. Effective February 1, 2016, your account will not receive a monthly service charge when you have any one of the following during each monthly statement period: 1. Combined direct deposits of $500 or more 2. Combined mobile check deposits of $500 or more 3. $1,500 Average Monthly Ledger Balance 4. $5,000 monthly Combined Balance in eligible Linked Deposit Accounts (Linked Accounts must have at least one like owner) Occasionally, we may place a temporary waiver on monthly service charges as a courtesy or to allow our customers time to meet the requirements to avoid a fee. In review of your account, it appears we have extended this courtesy to you in the past. As a final courtesy, the Office of the President has placed a temporary monthly service charge waiver on your account. The waiver will expire in January 2017. Additionally, we have credited your account $60 in monthly service charges you were assessed during the last six months. After the waiver expires, it is our hope you will be able to take the necessary steps to meet the requirements to waive your account's service charge. If for some reason you are unable to, we may be able to explore potential account options to minimize fees. Please call the Office of the President at (XXX) XXX-XXXX or email us at ********************@unionbank.com. Ms. *****, you are a valued customer. Thank you for the opportunity to review and respond to your concerns. Should you have any additional questions, please do not hesitate to contact us. Thank you for banking with Union Bank. Sincerely, ***** ********** Officer Office of the President/Customer Care

12/9/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: UNION BANK CALLED MY HUSBAND AND ASKED IF WE WOULD LIKE A HOME LINE OF CREDIT AND I TOLD MR ****** YES AND I TOLD HIM WE HAD NOT FILE TAXES YET HE SAID NO PROBLEM SO I CONTACTED MY ACCOUNT AND GIVE HIM MY ACCOUNTS NUMBER AND WHEN I CALLED TO GET AN UPDATE HE HAD DID NOTHING.SO I CALLLED MY ACCOUNT AGAIN AND HE SAID MR ****** HAD NOT CALLLED HIM. NEXT MY HUSBAND WHEN AND GOT THE TAXES NEXT IT WAS A PROBLEM WITH INCOME AND THAT WAS GIVEN AGAIN.ON 9/8/2015 WE RECIEVED A COUNTER-OFFER AND WE ACCEPT ON 9/16/2015 I CALLLED THE BRANCH MANAGER AND LEFT A MESSAGE ON VOICEMAIL AND I RECIVD NO CALL BACK SO I CALLED THE NO.ON DEBIT CARD AND THE LOAN DEPT.DIDNT KNOW WHAT TO DO SO I CALLED AGAIN I TALKED TO **** HOW TALKED TO THE UNDERWRITERS ON9/21/2015 AND HE TOLD ME THE TERMS WHICH WAS TO PAY OFF WELLS FARGO I AGREED.SINCE THEN THEY KEEP CHANGING WHAT WE NEED TO DO LIKE PAY OFF ALL CARDS.THERE WAS ALSO A PROBLEM WITH WELLS FARGO UNION BANK KEEP SAYING WE HAD 3 AND I TOLD THEM WE DIDNT AND IT TURNED OUT TO BE OUR SONS WITH A DIFFERNT ADDRESS AND SOC NO.THATS WHY WELLS FARGO WOULDNT GIVE THEM INFORMATION.THEN THEY WANTED 6MONTHS STATEMNT ALSO, TODAY IS NOW 11/9/2015 AND THE SUPERVISOR OF **** **** MS ***** ****** SAID WE WOULD HAVE DOC.BY WEEK OF 10/19/2015 NOTHING THEY ASKED US TO GET STATEMENTS FROM MY DAUGHTER ABOUT THE CAR LOAN WE DID THAT 6MONTHS THEY ASKED FOR NEXT ON 10/24/15 I CALLED TO SEE WHAT WAS THE DELAY AND THEY NOW WANTED THE CONTRACT OR TAKE LESS MONEY MS.****** SAID AND I AGREE TO THAT STILL NO LOAN.I SEND A FAXED LETTER ON 10/28/15 ABOUT THE STRESS THIS WAS CAUSING AND THAT IT HAD BEEN 43 DAYS WHEN IT WAS SUPPOSE TO TAKE 30 DAYS.HUSINE SAID THEY WOULD TAKE ANY PART OF THE CONTRACT AND I FAXED VEHICLE/VESSEL TRANFER AND REASSIGGNMENT FORM WHICH SHOWS MY DAUGHTER AND MYSELF AS CO-OWNERS AND THE BUYERS AND THEY SAID THAT WASNT GOOD ENOUGH AND I GIVE THE REGRISRATION SHOWING ME OR MY DAUGHTER AND THAT WASNT ENOUGH SO MY HUSBAND TOLD MR ****** WE WOULD TAKE THE LOWER AMOUNT THAT WAS LAST WEEK Product_Or_Service: 09/8/2015 Account_Number: XXXXXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) GIVE US THE LOAN WE AGREE TO AND STOP PLAYING GAMES.WE AN CONTRACT AND THEY ARE BREAKING THE LAW. WE SPENDED MONEY BASED ON THEM SAYING YOU HAVE BEEN APROVED FOR $91,500 WE DID SOME HOME IMPROVEMENT AND WE HAVE HAD TO STOP BECAUSE OF THEM NOT HONORING THE CONTRACT

Business Response: Initial Business Response /* (1000, 5, 2015/11/18) */ Contact Name and Title: ***** **********, Officer Contact Phone: XXXXXXXXXX Contact Email: ********************@unionbank.com Your concerns are important to us, and we regret to learn of the dissatisfying experience you reported. Union Bank treats all customer concerns highly; especially, issues related to ethics and discrimination. We are committed to fostering economic, social, and environmental sustainability across our business practices and employee culture. The Office of the President has reviewed this circumstance with senior management. In response, we wish to explain the following: After receiving your application, the bank determined your debt to income ratio was higher than permissible for the line of credit amount you requested. We were able to conditionally approve a counteroffer, however, and sent you a letter to notify you as such. Subsequently, our Bayview branch was provided a list of credit accounts which were required to be paid-off as part of the counteroffer. Please refer to the letter we have mailed you for a summary of the stipulations. We received a response from our Bayview branch indicating you had accepted the counteroffer. We apologize for any frustration you encountered in reaching our branch staff to relay your acceptance. Your feedback was referred to senior management to use as a training opportunity for our branch. The bank sent you an approval letter based on the acceptance of the counteroffer. After requesting payoff statements for the various accounts required to be paid-off as part of the counteroffer, you requested through your branch to not include four accounts in the payoff. It is our understanding you are requesting to not include the certain accounts to obtain a higher limit on the line of credit. We would be glad to consider your request. Unfortunately, the documentation you provided us thus far was either incomplete or did not contain enough information to utilize. For example, one of the account statements you provided us did not have the name of the account holder. Please refer to the letter we mailed you for a summary of the documentation we are requesting. Union Bank regrets any frustration you experienced during the line of credit application process. Based on our review of this matter, however, our investigation revealed the bank followed all applicable policies in its review of your credit request. We are satisfied that our Consumer Lending staff performed the proper due diligence in their review of your application and that discrimination was not a factor in the application's processing. Alternatively, if you would rather proceed with the original counteroffer with the condition of paying off the stipulated accounts, please contact **** **** at our loan processing department via telephone at (XXX) XXX-XXXX ext. ****. Please be advised that the final date to accept the counteroffer is November 19, 2015. Due to the timing of this letter, we have extended the deadline to December 10, 2015. Since your credit report is now over 60 days old, it will be necessary for the bank to obtain a current copy. Should you contact Ms. ****, she will work with you to collect your authorization to retrieve an updated credit report. Please be advised that once a current credit report is obtained, the approval amount could possibly be affected. Ms. ********, your concerns are important to us. We appreciate the opportunity to review your concerns and trust the information explained in this letter will be helpful in understanding the current status of your application. Should you have any questions, you are welcome to contact me at (XXX) XXX-XXXX. Thank you for banking with Union Bank.

9/21/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Union Bank - Withdrew $4950 from my account twice, and took over 30 days each time to return the funds. Despite promised remedy to refund w/in 5 days Issue: - Home loan paid in full on 6/15/15 - 1st Error ----Union Bank auto withdraws $4950 on 7/7/15. (I called to inform Union Bank on 7/7. I then received a check in the mail almost a month later!) - 2nd Error-- Union Bank auto withdraws $4950 on 8/7/15. (I call on 8/8, this time I'm told I have to wait 7 days before I can file a claim. Odd, b/c it was Union Bank who took the funds. I escalated to the office of the president on the 2nd occasion; a useless exercise. They simply pointed me back to UB's 800# to file a claim. Filing the claim took 1hr and 10min after being transferred to 3 different people and waiting on hold for 20-25min per person. First I was transferred to the claims dept, which makes sense, but they insisted that b/c this was an "auto bill pay", that it had to be handled by the Online dept. This hold was then another 20+ min. The online Dept took my claim on 8/18 and the CSR noted that my funds would be deposited back into my account by 8/21. It's now 8/27 and Union Bank has not processed the return of my $4950, nor have they followed up on anything to advise me of their blunder. Their office of the president, upon "investigating the matter" insinuated that this was my fault bc after paying off the loan on 6/15, "I should have terminated the auto bill pay". Odd. I had two loans with Union Bank, both were paid off on the same day (6/15) and only one auto pay was turned off. So why would they be set up differently and one require a manual turn off by me? Well, b/c it was Union Bank who set this up as a Auto Pay in the first place. Why? B/c some issue with their autowidrawal failed over 7 yrs ago when I first signed up, requiring me to come into the branch to have someone then "fix it". Yet here is Union Bank, 7 yrs later, blaming me for the way it was set up. Now that's some customer service! When in doubt-blame the customer. Ok, the set up was one thing, but how can you insinuate blame for the mis-steps by Union Bank in getting my funds back? Union Bank is simply an institution where your money easily goes in, yet it's painful to get your money out or refunded when the bank is in error.

Desired Settlement: Simply refund the $4950 back to my account as promised. Should be pretty easy, Union Bank took the funds, they could easily remit payment back to me.

Business Response: Initial Business Response /* (1000, 11, 2015/09/02) */ Dear Mr. ******: Thank you very much for taking your time to provide your feedback. I appreciate you letting the Bank know that you received your online banking bill pay refund for the accidental overpayment. Per my recent emails and written correspondence to you on August 18, 2015, we have provided your feedback to our senior management teams to address your concerns. Please be advised that I will not be able to communicate specifics through this response through the BBB, as this is a public site, however, should you have any additional concerns, I would be more than happy to address them. Please provide any further correspondence to **********@unionbank.com or you can write directly to the Bank's Office of the President at: MUFG Union Bank PO BOX 953 New York, NY XXXXX Attn: The Office of the President Mr. ******, we regret to hear of your continued dissatisfaction, however, we appreciate the opportunity to address and clarify any concerns you may have. Should you have any questions you can also reach me directly at (XXX) XXX-XXXX. Sincerely, *** ****** Office of the President / Customer Care MUFG Union Bank Initial Consumer Rebuttal /* (3000, 13, 2015/09/03) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no response acknowledging their mishandling of their own banking processes or lack of knowledge on what the right hand was doing from the left hand. Clearly I've gotten my funds returned to me, yet Ms. *** ****** , nor the "office of the President" had anything to do with the return of my funds. In fact, the opposite; the process simply ran it's course and took the 3-4 weeks to process on it's own. Calling customer service, per Ms. ****** yielded no remedy what so ever. This bank simply has no clue on proper customer service, acknowledging wrongdoing, or how to make amends. Acct will be closed shortly. M Final Business Response /* (4000, 15, 2015/09/08) */ Dear Mr. ******: We regret to hear that you feel that MUFG Union Bank failed to respond to your concerns. We also regret to hear that you feel that the Bank's customer service was not up to your expectation. We've also recognized, as initially communicated to you, that this is not the type of service that MUFG Union Bank is traditionally known for providing. Your concerns are our concerns as well, and have been addressed accordingly. The greatest opportunity we have is to really listen to our clients and consider their feedback. We appreciate all of the communication you have provided us, and even with our efforts to help you understand and to offer remedy, it appears that you were not satisfied. Although we were not able to provide you with your compensation request, we wish to extend you a heartfelt apology for any frustration or inconvenience you experienced due to the circumstances you endured. As aforementioned, we appreciate your time to share your sentiments but also the time you took to communicate with our representatives. This is certainly not the experience we wish any client to have. Mr. ******, we regret to hear of your continued dissatisfaction, however, we appreciate the opportunity to address and clarify any concerns you may have. While I understand that this is not the desired resolution you were expecting, we appreciate the opportunity to review and provide you with our final response. Sincerely, *** ****** Office of the President / Customer Care MUFG Union Bank

9/10/2015 Advertising/Sales Issues
9/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: On 7/7/15 I made an online purchase with FTI Pet for flea medicine. I never received the product and the business is refusing to answer my calls or emails. I contacted Union Bank and they too are refusing to assist me indicating that I authorized a purchase. Yes a purchase means you give money and receive something in return. I never received anything. All I am asking is that Union Bank assist in contacting the merchant to find out what happened or proceed with filing an unauthorized transaction on my card. This is fraud!

Desired Settlement: DesiredSettlementID: Refund 52.40 refunded to me immediately or contact the merchant.

Business Response: Initial Business Response /* (1000, 5, 2015/08/18) */ Contact Name and Title: ***** **********, Officer Contact Phone: XXXXXXXXXX Contact Email: ********************@unionbank.com Your concerns are important to us, and we appreciate the opportunity to address them. In your case, we are reviewing a dispute you filed for the goods and/or services you authorized using your MasterCard Debit Card. Because you stated you authorized the transaction with the merchant, this dispute is not considered subject to Federal Regulation E. In an effort to assist you with resolving this matter, however, we are attempting a recovery chargeback. Our Claims Operations department will be responding to your dispute directly. As more details become available, please expect communication them. The Office of the President also mailed you a written response on August 18, 2015. Ms. **, you are a valued customer. Thank you for the opportunity to respond to this matter. Should you have any additional questions, please contact me at (XXX) XXX-XXXX. Thank you for banking with Union Bank. Sincerely, ***** ********** Officer Office of the President/Customer Care Union Bank Initial Consumer Rebuttal /* (3000, 7, 2015/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) A purchase means an exchange of money or goods or services! Money was taken and no goods or services were received! Final Consumer Response /* (3000, 13, 2015/08/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) You've been communicating with via BBB's website prior and now all of a sudden I get this this ****? Final Business Response /* (4000, 15, 2015/08/25) */ Dear Ms. **: Union Bank treats all customer concerns seriously. We appreciate the opportunity to review and respond to you. In our letter dated August 18, 2015, we outlined the steps we are taking to resolve your specific concern. In addition to our letter, I left you a message today, August 25, 2015. If you have any questions about the letter we sent you or if you have not received it, please contact me at (XXX) XXX-XXXX. I would be happy to address any questions to you personally. Thank you again for the opportunity to respond to your concerns. Sincerely, ***** ********** Officer Office of the President/Customer Care

9/7/2015 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: I financed a vehicle threw Union Bank. Last year I made the final payment and paid the vehicle off. They have not provided me a title to the vehicle. They sent me a release of lien paper that my local DMV will not accept. When I contact Union Bank about this they tell me to file for a lost title in California. The DMV in California refuses to provide me a lost title. I am unable to register or sell this vehicle without the title. I have contacted *** ****** at Union Bank about this issue. She continues to act like its the first time we spoke. She mailed me a form from the DMV to sign and return to her so she could file for a lost title. When I called to see if she had received the paperwork I mailed back in she acted as if she did not know what this was about. She said she would mail me everything I mailed her and a newly dated release of lien. She did not however return the money order I mailed in for the replacement title fee. This has been months of hassle of me over an issue that I feel is Union Bank's mistake. They sold a vehicle they do not have the title to. I require a title for my vehicle immediately. I tried to compromise and send them all the info and fees they needed. They are refusing to admit they lost the title. *** ****** even tried to tell me they mailed it and I lost it. If this was the case, why would she have sent me a release of lien. I asked seven times to speak to her manager, or person in charge regarding this matter and was refused seven times. If they are unwilling to fulfill their legal obligation by providing me a title I would like a full refund on the vehicle. Product_Or_Service: ************************

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like the title to my vehicle. They cannot sell a vehicle they do not have the title to. If they are continuing to refuse to correct their mistake then I would like a refund on this vehicle that I cannot sell or register.

Business Response: Initial Business Response /* (1000, 5, 2015/08/18) */ Contact Name and Title: ****** ************** Contact Phone: XXX-XXX-XXXX Contact Email: ********************@unionbank.com Dear ******* *****: Union Bank(r) always appreciates the opportunity to review and address client concerns. This message is in response to a complaint received through the Better Business Bureau (BBB). I am responding on behalf of Union Bank's Office of the President. We appreciate your patience while waiting for a response. We strive to provide you excellent service, and apologize in falling short in exceeding your expectations. We have conducted an extensive review, and wish to share our findings as outlined below: During the time Union Bank offered Auto Loans, we partnered with the California DMV to use the Electronic Lien and Title (ELT) Program. This optional program is an electronic service which would automatically send titles to vehicle owners once the loan was paid in full. Since, Union Bank discontinued offering Auto Loans and cancelled use of the ELT Program. Clients who more recently paid off loans were provided a notarized Lien Release which was found acceptable by California DMV's. When you paid off your Union Bank loan, we sent you a Lien Release with instructions to present these items to your local DMV. You later contacted our loan servicing area, indicating you had not received the appropriate items. You were asked to provide a $20 Union Bank processing fee for the duplicate item. We received the $20 processing fee, and issued you a cashier's check as a refund for the processing fee. The return was sent to your address on file. For your convenience, I have sent a copy of the lien release and DMV form to your address on file In addition, I have located details on how you may obtain a duplicate title through California DMV by mail. o Per the California DMV website, you can mail the appropriate documents along with applicable fees to: Department of Motor Vehicles Registration Operations P.O. Box XXXXXX Sacramento, CA XXXXX-XXXX We are here to help. Your concerns are important to Union Bank and trust the above information resolves your concerns. We value your feedback and strive to deliver exceptional service to every client. Part of Union Bank's service commitment to our clients includes reviewing concerns and identifying opportunities to improve our service standards. Thank you for sharing your circumstance and allowing us the opportunity to review this matter for you. Should you have additional questions related to the above matter, I welcome you to call me at XXX-XXX-XXXX. Sincerely, ********************* Officer Office of the President/Customer Care Initial Consumer Rebuttal /* (3000, 7, 2015/08/19) */ (The consumer indicated he/she DID NOT accept the response from the business.) This is untrue. I never said I did not receive the lien release. My issue was that the my local DMV in Nevada does not accept it. They require a title and instructed me to contact the bank I financed the vehicle through. When I spoke to *** ****** she offered (after several requests to speak to a supervisor) to help me get the proper paper work filled out for a replacement title. The $20 money order I sent was the DMV fee for a replacement title. I still have the original letter *** ****** mailed me with the list of items she needed to mail in. The DMV fees were included in that list. When I signed and returned the documents she spoke to me as if she was clueless as to what this was about. She then mailed me all my information back but kept the money order intended for DMV fees ( which she requested me to send ). She sent me a new lien release which I didn't need because I had sent her the original one I got in the mail when paying the vehicle off. It is UNion Banks responsibility to provide me with a title. You cannot sell a car and not give a title. Final Business Response /* (4000, 9, 2015/08/21) */ Union Bank's Office of the President has made multiple attempts by phone to reach Mr. ***** to provide him further assistance. We welcome Mr. ***** to contact Union Bank's Office of the President direct at XXX-XXX-XXXX so we can provide direction on how to obtain his title.

8/28/2015 Problems with Product/Service | Read Complaint Details
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Complaint: UBOC failed to process a simple wire transfer ($55K) for over (3) days, delaying the close on my home. Having spoken to over 10+ individuals (customer service reps, branch managers, branch service managers, wire service team members, etc), logging over 9hrs on the phone getting "support", it became pretty clear that UBOC has both policy, service, and training issues. (Even the wire transfer rep at the Laguna Hills, CA office commented at how bad my experience was.) Yet even after UBOC committed to processing the wire, they missed the Friday deadline and my close was delayed until Monday. (While this was obviously of little concern to UBOC, their error set off a chain reaction delaying my movers, the sellers close, hotel stays, and on and on.) Did anyone from UBOC call to say they'd missed the deadlineno. (I had to call them to find out). The response from the Laguna Hills CA Service Manager was "unacceptable, we're so sorry, we'll get to this 1st thing on Monday at 9am." Having little recourse, I was force to wait. When Monday 9am came, my phone never rang to say "we're processing your wire". So I called for the 15+ time. "we're on it" was the response. Except again, there was little action. Over 4 hours and multiple escalations later was my wire transfer finally processed. 3 days after I originally provided the wire information. For a bank, they make it nearly impossible to get your money out.The Union Bank Laguna Hills Service Manager told me to expect a call from the "customer advocate dept" and that they'd surely cover the expenses I'd incurred as a result of their multiple errors. My phone never rang. Instead, UBOC kindly charged me $45 for the experience and service. Product_Or_Service: Personal & Business Banking Accts Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) Refund my $45 wire transfer fee. Compensation for $826 hotel stay.Written letter of apology. In short, follow thru on what was promised. "Say what you mean, and do what you say." - Simple

Business Response: Initial Business Response /* (1000, 5, 2015/08/05) */ Dear Mr. ******: Thank you very much for reaching out to the Better Business Bureau ("BBB") with regard to your circumstance. First and foremost, we regret to hear of your recent experience with the process delay of a wire for the close of your home. We apologize for any frustration and inconvenience you experienced. After reviewing your complaint provided to us by the BBB, it concerns me that you communicated your urgency to over ten Union Bank representatives and spent a great deal of time on the phone to resolve your issue. Please be advised that I will be investigating your circumstance and will provide you with a written response within 10 business days from August 5, 2015, to address the wire process delay and the concessions you are requesting from the Bank. Mr. ******, should you have any questions or have any additional information, please contact me at (XXX)XXX-XXXX or email me at ********************@unionbank.com. Sincerely, *** ****** Office of the President / Customer Care Union Bank Initial Consumer Rebuttal /* (3000, 7, 2015/08/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) Acceptance pending Union Banks acknowledgement and resolution of the issue noted. Final Business Response /* (4000, 9, 2015/08/18) */ Daer Mr. ******: Thank you very much for your patience while you waited for our reply. Please be advised that your concerns were address in a letter that was mailed to you directly today. Should you have any questions or would like for me to provide you with a scanned copy of the original response, please contact me via email and I will provide it to you. Sincerely, *** ****** Office of the President / Customer Care Union Bank Final Consumer Response /* (4200, 11, 2015/08/25) */ (The consumer indicated he/she DID NOT accept the response from the business.) There was no resolution. No phone call to me to investigate. They simply backed out of their previously proposed resolution and made half-hearted apologies and canned apothetic statements. Quite simply, Union Bank is a bank. Your money goes in easily, but they make it extremely difficult to get it back out due to poor online tools (easily 3-5 yrs behind their competition), restrictions to use, which only serves to protect the bank (ie. limiting online wire transfers to $50K per day. Might seem like a lot, but when buying a house in California, $50K is nothing.), and poor customer service where you can talk to 5 people and get 10 different answers. Union Bank quite simply makes excuses and accepts zero responsibility. With no resolution by Union Bank, I'm simply closing my accounts. Easy.

8/18/2015 Problems with Product/Service | Read Complaint Details
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Complaint: I deposited my check through the mobile Union bank app for the second time on July 11, 2015 being that I deposited my check on a Saturday the amount of money on the check should've been on my bank account by Tuesday July 14,2015 but the bank is trying to put an hold onto my money because of a delay . I received an email stating that it won't be in my account til the 7th business day which is next Tuesday. I don't owe any money to the bank and I'm not understanding why is it that I have to wait to receive the money that I worked for .

Desired Settlement: DesiredSettlementID: Other (requires explanation) I need the money in my account immediately because I have a bill due on the 16th of this month

Business Response: Initial Business Response /* (1000, 10, 2015/07/31) */ At Union Bank, we strive to provide our customers excellent service at all times. Your concerns are important to us, and we regret to learn of your dissatisfaction. Thank you for bringing this matter to our attention as we always appreciate the opportunity to address our customers' concerns. Whenever you make a check deposit by using a mobile device, we generally will make the deposit available by the first business day after the business day we receive your deposit. In some cases, however, we may delay the availability of your deposit until the fourth business day after the business day of your deposit. When there is a delay, we will send you a notification to advise you when funds will be available. Since your deposit was initiated over the weekend, the deposit posted to your account on the next business day. After making your deposit, you indicated you received an email from us advising that funds would not be available until July 21, 2015. According to our records, the date funds were scheduled to be available in your account was on the fourth business day following your deposit. In the event the email you received indicated a date of funds availability other than the fourth business day after your deposit, please forward the communication to us at ********************@unionbank.com. We would be glad to further review the email in the event the communication was not clear. For additional information about our funds availability policy, please review pages 6 and 7 of the enclosed All About Personal Accounts & Services Disclosure and Agreement. We certainly recognize your desire to have mobile deposits available as soon as possible. Because a delay in check deposit availability may occur from time to time, there are options available that can possibly help your deposits be available sooner. For example, since the check you deposited was from your employer, please consider speaking to them about the possibility of establishing a direct deposit. Your supervisor or payroll department may be able to help you with this. Another option to consider is to cash your paycheck at the bank the check is issued from and then deposit the funds to your Union Bank account. Ms. *******, your relationship is important to us. We value your business and appreciate the opportunity to respond to your concerns. As an owner of our Teen Access checking account, we look forward to servicing your financial needs for years to come. If you have any questions about banking in general or how your account works, please call me at (XXX) XXX-XXXX. Sincerely, ***** ********** Officer Office of the President/Customer Care

8/14/2015 Delivery Issues | Read Complaint Details
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Complaint: Numerous fraudulent charges were made against an account of ours. Union Bank went back and forth with us on whether it was my or my husband's ATM card that had been compromised. I had mine on me and was at work when the theft happened. My husband had a new card that was lost/stolen but never activated and never before used with that account. Among a few smaller charges, 12 charges for about $25 each were made on the card at a store where we do no regular business. The Union Bank Fraud Department told us that anyone can activate an ATM at this store and set a PIN. However, since a PIN was used for these purchases, Union Bank claimed that it had to have been us and that these dozen almost identical charges at a place we do not shop were part of our normal shopping pattern. First we had to prove it wasn't my husband, then they said it was my card, and I had to prove it wasn't me. Then they went back to saying it was my husband, and no amount of proof was acceptable to them. When I spoke to the Claims Department on the phone, they told me that our information proving our case wasn't getting into the computer records for our case. But when we sent proof, we got dismissive letters saying we weren't telling them anything new. I even suggested they get video from the store as proof we hadn't been there. I also wrote to Tim Wennes, the West Coast President, for help, and he received the letter 4/23/15. But he has not responded in over two months. Union Bank has blown us off, given us misleading information, and made false insinuations. And we have been good customers for 20+ years. I also called to close that account as I no longer trust them with my money, and it's been over a month and they still haven't closed it after contacting them several times. I have done my due diligence and am at an end of my patience with a company that misleads me and dismisses me. Our claim number with Union Bank and as well as the account number in question will be in the supporting materials I upload. Order_Number: XXXXXXX Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund Our fraudulent charges of $299.62 reimbursed. I will upload paperwork showing the charges, the dates, and amounts, along with other supporting paperwork supporting this claim.

Business Response: Initial Business Response /* (1000, 5, 2015/07/09) */ Dear Mrs. ******: Union Bank is in receipt of your complaint with the Better Business Bureau, which we received on July 3, 2015. I am responding to you on behalf of the Office of the President and I appreciate your patience while waiting for a reply. In summary, your complaint is regarding the bank's decision to decline a claim you filed. Due to your dissatisfaction, you requested our Claims Operations department to reexamine its findings. Subsequently, Claims Operations reaffirmed its decision, which prompted you to file your complaint with the Better Business Bureau for assistance. You also indicate you directed a letter regarding this matter to Mr. *** ******, West Coast President and Head of Retail Banking & Wealth Markets, which you did not receive a response to. As one of our core values, we are committed to providing you excellent service. We regret to learn of your dissatisfaction with our decision on your claim. Your concerns are important to us, and we appreciate the opportunity to review them. Union Bank takes all disputes seriously. When your claim was filed, we promptly investigated and responded to your dispute on March 4 and March 13, 2015. Copies of these two letters along with a response from the Office of the President dated July 9, 2015, were mailed to your attention today. Please refer to these communications for specific details on why your claim was declined. The Office of the President has reviewed your claim with senior management of our Claims Operations department. Based on the details we explained in our previous correspondence regarding your dispute, we concur that the decision to deny your claim was appropriate. While we recognize your dissatisfaction with our decision, regrettably the bank is not able to honor your claim. Regarding your letter to Mr. ******, the Office of the President responds to customer inquiries on the behalf of the bank's executives. Regrettably, it appears your communication was either not received or not forwarded to us for handling. If you are able to provide us details regarding your letter to Mr. ******, such as, a copy of the letter, the address it was sent to, the date it was sent, tracking number (if applicable), etc., we can examine the situation internally to determine the cause for not receiving the letter at our office. In the interim, we sincerely apologize that your concerns were not responded to in a more timely fashion. Mrs. ******, your relationship is important to Union Bank. While your dissatisfaction with the claim's denial is noted, we appreciate the opportunity to review our findings. Should you have any other questions, you may contact me at (XXX) XXX-XXXX. Sincerely, ***** ********** Officer Office of the President/Customer Care Initial Consumer Rebuttal /* (3000, 7, 2015/07/27) */ (The consumer indicated he/she DID NOT accept the response from the business.) I finally spoke to ***** ********** at the Office of the President of Union Bank about the situation, about how no one at their organization was taking our information into consideration when settling and, ultimately, dismissing our claim. He was very cordial, apologized that my letter to the President hadn't been delivered to his office and, since I had the receipt, would look into it. He also agreed to accept all our information and read it thoroughly, giving us additional consideration to our claim. I emailed him a copy of our original letter to the President, as well as our backup information, all of which I've already uploaded here, on 7/16/15 and have received no reply. Since I have to respond to the Better Business Bureau by 7/28/15, and Mr. ********** has had our pages of proof for more than two weeks, I have to assume that I am going to get no further response from Union Bank other than the email sent on 7/21/15 finally closing the account in question, two months after I first requested that it be done on 5/26/15 and after numerous follow-up requests where we were told it was being closed and it wasn't. After 20 years of loyalty to Union Bank, the treatment we received over this matter is unfathomable. We have pages of proof that fraud was perpetrated against us as well as dates, times, and names confirming the mismanagement of our claim on Union Bank's part. But, clearly, we are just another rubber stamp to them. Union Bank's loss in deposits and credit card interest from losing us as customers is so much greater than the money we lost in the fraud claim. In the end, it has stopped being about the money and become about the way we've been mistreated. Final Business Response /* (4000, 10, 2015/08/11) */ Dear Mrs. ******: Thank you for your patience while waiting for a response to the additional details you provided us on July 16, 2015. This note is in response to the additional comments you provided the Better Business Bureau on July 27, 2015, which we did not formally receive until July 30, 2015. We treat all customer concerns very seriously and strive to provide a resolution as quickly as possible. Specific to the details you provided the Office of the President, after receiving the documentation we worked closely with our Claims Operations department. On July 28, 2015, a decision was made to credit your account. The following business day, the Office of the President notified you of the resolution. On July 30, 2015, we became aware of your additional comments to the Better Business Bureau. Subsequently, you posted an additional note to indicate your concerns were addressed. While we are glad to see we resolved your concerns satisfactorily, Union Bank wishes to apologize for the delay in updating you. Mrs. ******, you are a valued customer. We appreciate the opportunity to assist you. Should you have any additional questions, please contact me by telephone at (XXX) XXX-XXXX or by email at ********************@unionbank.com. Sincerely, ***** ********** Officer Office of the President/Customer Care Final Consumer Response /* (2000, 12, 2015/08/13) */ (The consumer indicated he/she ACCEPTED the response from the business.) I appreciated ***** **********'s help tremendously, and he should be commended for his handling of the situation and his verbal and written communication with us. We do consider this case now resolved, and I thank him very much.

8/11/2015 Billing/Collection Issues
8/5/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Everyone in this branch has terrible customer service skills. They avoid doing any type of work. You can stand in line for hours. I go to this branch on a daily basis, to deposit anywhere from $5,000 to $10,000 in cash, a day. Today, after standing in line for an hour, a lady who claimed to be the manager declined to attend me because I had "too much" cash. I was forced to look for another Union Bank in Little Tokyo, half an hour away from this location. This branch needs new managers and tellers, it's poorly managed. Please look into this.

Desired Settlement: DesiredSettlementID: No settlement requested - for Have corporate look into this branch.

Business Response: Initial Business Response /* (1000, 13, 2015/07/20) */ Dear Mr. *****: Thank you very much for reaching out to the Better Business Bureau with regard to your recent customer service experience, which we received on July 17, 2015. I am responding on behalf of the Office of the President and I appreciate the time you took to submit your concerns. After reviewing your concerns, we regret to hear of your experience and would like to offer our apologies for any frustration and inconvenience that you endured due to this circumstance. Union Bank values your feedback and as a part of our committment to our clients we have taken this opportunity to review your concerns and address them with senior management at the Little Tokyo branch office. As a valued client, you are extremely important to Union Bank. We truly appreciate your communication with us, as without it, we would not have known of your concern. Mr. *****, should you wish to communicate with me directly or provide any additional feedback, please contact me directly at ********************@unionbank.com. Sincerely, *** K. ****** Office of the President / Customer Care Union Bank

8/3/2015 Delivery Issues
7/30/2015 Delivery Issues
7/20/2015 Delivery Issues
7/6/2015 Delivery Issues | Read Complaint Details
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Complaint: I made an ATM deposit of 900 dollars on May 21st, the machine counted wrong and only counted and deposited 760 dollars. I called and put in a claim on Friday, May 22nd. I called everyday to check the status and I kept getting the run around on how many days it would take. First, I was told 7 days, then I was told 10 days. On the 10th day, which is today, June 10th, I called the Claims Department and they told me that my claim was denied. The rep told me that they spoke to the branch and that they had balanced out that day, so the claim was closed. I asked the rep what my options were and she told me that there was nothing I can do. I asked her if there was a way to re-open the claim or even put in a new claim and she said no. I asked her if there was a supervisor I can speak to to check other options and she said she was the supervisor. It is not right that the bank can just screw me out of 140 dollars and there is no way for me to fight or even put in another effort to check on the money again.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want a new investigation and my $140 dollars given back.

Business Response: Initial Business Response /* (1000, 5, 2015/06/18) */ June 18, 2015 ******* ****** RE: Better Business Bureau Dear Ms. ******: Please be advised that we received your complaint to the Better Business Bureau, dated June 15, 2015, regarding your Automated Teller Machine deposit dispute on May 21, 2015, at Union Bank's Highland Park branch office. Please be advised that we are in the process of reviewing your communication and will notify you of the outcome in writing as soon as our research is completed. We appreciate the opportunity to serve you and look forward to continuing to help you reach your financial goals. If you have additional questions, please contact us at (XXX) XXX-XXXX, Monday through Friday between 9:00 a.m. and 6:00 p.m. Pacific Time. Sincerely, *** K. ****** Office of the President/Customer Care Union Bank

6/30/2015 Delivery Issues | Read Complaint Details
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Complaint: Around the second to last week of April 2015 I went into this branch to find out the status of a debit card that I had lost & had ordered a new one. ******* the teller, stated to me that it was going to take 3-5 weeks for me to receive my card, due to the fact they had their shipments coming in from the east coast. He sold me into making a Ready to go Checkings acct ,because it would expedite my card & I would be able to receive it that same week. 3 weeks past & I still hadn't recieved my card!!! I'm a full time employee so I hadn't had the time to call & ask on the status. I was leaving out of town the first week of May & still no card! The day before I leave, I receive a card in the mail, thank God! I tried to activate it & wouldn't let me,since it was on a Sunday. I figured I'd just call Monday morning. So I did, & STILL can't be activated! I went to the nearest branch to find out what was going on & they told me that that was the original card ******* had canceled in order for me to get another card expedited. Which now I see was all a lie! Im assuming he just wanted me to open a different acct so he can get a bonus or something! I come back home & ANOTHER WEEK later I FINALLY receive my debit card & activate it. A few days later I go into the branch, to speak to the manager & tell them about the situation. I spoke to ***** (senior relationship banker) because the branch manager was "in a meeting." ***** was very kind in listening to my complaint, & offered an apology & that he was going to speak to ******* about the issue. I told ***** I wanted to cancel my acct with Union Bank because they had lost my trust completely. He was ok with that & he was going to help me with the process. I asked if I can get a copy of the complaint & he said he wasnt going to? That's when I got upset because I didn't just go in for an apology. There's a lot that still happend that I'm not able to state it all in this minimal description.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am very disatisfied on how they handled the situation, the delays and lies with Union bank. I would like the branch manager to acknowledge their mistake and lies they said to me saying that I needed to open another acct in order for me to expedite my card. Also, to learn how to train their employees on how to infrom us customers correctly on their policy's or what ever it is that us customers should know ahead of time prior to making any movements with our account.

Business Response: Initial Business Response /* (1000, 7, 2015/06/14) */ Dear Ms. ********: We are in receipt of your correspondence to the Better Business Bureau (the "BBB") with respect to your recent experience in reordering your debit card. I am responding on behalf of the Office of the President and I appreciate your willingness to share your circumstance. After reviewing your concerns, it is my understanding that you felt that Union Bank (the "Bank") handled the situation poorly as you were provided with misinformation. Furthermore, due to your circumstance, you shared that you experienced delays with the delivery of your debit card. Due to this, you desire for the Bank to acknowledge the mishaps and the misinformation provided to you. Union Bank considers your concerns very important in our efforts to enhance our commitment to service excellence. I appreciate the opportunity to address your circumstance and in response wish to relay the following: - Please be advised that we will address your concerns directly with branch senior management. - Due to this issue being a personnel matter in nature, we will not be able to disclose the outcome. However, we can assure you that the appropriate training and coaching will be provided with regard to providing the correct expectation with debit card reordering and delivery. While I understand that this may not be your desired resolution, I apologize for any frustration and inconvenience you experienced due to this circumstance. Ms. ********, again, we appreciate the time you took to provide us with your concerns. We also thank you for the opportunity for being able to respond to you via the BBB. Should you have any questions, please feel free to email us at ********************@unionbank.com. Sincerely, ******************** Office of the President / Customer Care Union Bank

6/29/2015 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: After months of being offered to update my checking account and open a savings account by the bank staff, I finally accepted.The complaint is in regards to the savings account. The staff who opened the account told me there would not be a service charge for having the savings account as long as I made regular deposits. However, I am being charged a $4.00 service charge. At the bottom of the statement it clearly says I can avoid the charge if I maintain at least a $300 balance (which I don't have yet) or make one deposit of at least $25 in the savings account each month. I have 2 direct deposits made each month of $20 for a total of $40. I was told that since one of the deposits has to be $25 I would continued to be charged $4.00. Since I was told as long as I was making regular deposits I would not be charged for the savings account this was deceptive. I am making more that the minimum required deposit into the account each month and yet because of their wording I am being charged to save.

Desired Settlement: DesiredSettlementID: Billing Adjustment The bank needs to stop blatantly lying to their customers about service charges. The bank needs to consider the fact that more than the minimum IS being deposited and not be deceptive.

Business Response: Initial Business Response /* (1000, 10, 2015/06/24) */ June 24, 2015 ******** ********* RE: Better Business Bureau Complaint Dear Ms. *********: We are in receipt of your Better Business Bureau ("BBB")complaint dated June 24, 2015, pertaining to monthly service charges you are currently receiving on your Union Bank (the "Bank")savings account. I am responding on behalf of the Office of the President. We appreciate your patience while you waited for our response. After reviewing your BBB complaint it is my understanding that you feel the Bank was not truthful with you with regarding how the Bank applies monthly service charges for your account. The Bank considers your concern very important in our efforts to enhance our commitment to service excellence. I appreciate the opportunity to review your circumstance and in response wish to relay the following: - Pertaining to current monthly service charge waivers for your accounts, you are correct as you stated in your BBB complaint. A monthly service charge will be waived should you maintain a $300 monthly dollar average or have a single minimum direct deposit to your account of $25 or more. - Research revealed that you maintain multiple direct deposits which total more than the required single minimum of $25, however, each individual direct deposit does not meet the requirement to obtain the monthly waiver. While I cannot provide you with a permanent waiver at this time without meeting the single $25 direct deposit requirement, what I am willing and have already done for you, is to waive the $4 monthly service fee that you were charged and provide you with a three month account waiver with the hope that you will have the opportunity to change at least one of your current direct deposits to meet the minimum $25 threshold. Ms. *********, we regret to hear that you feel that this was not explained to you clearly. Should you have any question with regarding this circumstance, please feel free to email me at ********************@unionbank.com. Sincerely, ********** Office of the President / Customer Care Union Bank Initial Consumer Rebuttal /* (2000, 12, 2015/06/26) */ (The consumer indicated he/she ACCEPTED the response from the business.) I will accept the offer although I still feel that it was deceptive to be told that as long as I made a minimum direct deposit of $25 EACH MONTH I would not be charged. It's a play on words. I still believe that a direct deposit of $40 each month is more than adequate. It's an oxymoron to be charged for saving especially when more than the minimum is being direct deposited.

6/5/2015 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I have been banking with union bank for over a year with no problems. One day when I was going over my bank statement I noticed three unauthorized charges. I notified them immediately. All they did was send me a new atm card, did nothing about my account being broken into, instead they tried to get me to pay the unauthorized charges, one of them was even a duplicate charge. When I refused to pay the charges that were unauthorized they closed out my account and sent it to a collection agency. They should have investigated it like another bank did a few years ago. the money was returned to my account. union bank refuses to do anything about it.

Desired Settlement: DesiredSettlementID: Refund I would like the money for the unauthorized charges returned to me. That was money that I needed to pay my bills, which I wasn't able to do. An apology would also be nice as I contacted them several times about the problem.

Business Response: Initial Business Response /* (1000, 10, 2015/04/29) */ Dear Ms. *******: We are in receipt of your complaint through the Better Business Bureau ("BBB") on March 29, 2015. I am responding on behalf of the Office of the President. Thank you very much for your patient while you waited for our reply. After reviewing your BBB complaint, it is my understanding that you were not happy with how the Bank handled your notification of alleged unauthorized transactions, even after you notified Union Bank's Online Banking customer service department. Due to this, you are requesting for the Bank to reimburse you for the alleged unauthorized transactions. Union Bank considers your concerns very important in our efforts to enhance our commitment to service excellence. I appreciate the opportunity to review your circumstance and in response wish to relay the following: - On December 11, 2014, the Bank received your email notification that you discovered unauthorized transactions on your account. - On December 12, 2014, the Bank acknowledged your notification and provided you with specific instructions to file a claim via email. The notification provided you with contact information and times when you would be able to reach an agent. -December 14, 2014, the Bank received another notification stating that you received another unauthorized transaction even after your debit card was closed. - On December 15, 2015, The banker notified you that the charge you were contesting was not unauthorized, but it was an reocurring charge. Due to this, you would need to contact the vendor to stop these payment charges. -Also on December 15, 2015, the Bank received an email stating that you were going to close your account because nothing was being done. Records revealed that the Bank had advised you on prior occasions, that the best course of action was to contact our Retail Customer Service to file the claim. Correspondece revealed that you had not done so. - On December 16, 2014, in response to your closure request, the Bank updated you that the Bank could not close the account unless it was brought current. - On December 25, 2014, the Bank received email communication that demanded reimbursement of the alleged unauthorized transactions. -On Decemeber 26, 2014,the Bank reminded again, via email, that your best course of action would be to file a claim. Records revealed that this course of communication continued on January 5, 2015, and January 6, 2015. While the Bank communicated on numerous occasions, a claim was not file nor did you reach out to the Bank's Claim Operations department for assistance with your circumstance. Ms. *******, while I understand that this was not your desired resolution, the Bank will not be able to reimburse you for your claim. As aforementioned to you, the charges you were contesting were found to be reocurring, which at one point were authorized. Due to this, the transaction is considered to be a vendor dispute and does not fall under Regulation E. Should you feel that my communication is incorrect, please feel free to contact Union Bank's Claim Department to file a claim on the transactions you are disputing. Even though in this case the transaction was considered to be a vendor dispute, our Claims Department would be more than happy to assist you in contacting your vendor and help resolve the issue with you. You can reach the Claims department through Union Bank's Retail Customer Service at (XXX) XXX-XXXX. Sincerely, *** ****** Office of the President / Customer Care Union Bank Initial Consumer Rebuttal /* (3000, 12, 2015/04/30) */ (The consumer indicated he/she DID NOT accept the response from the business.) they never e-mailed me about filing a claim or they told me was that they were going to get me another atm card which wasn't going to solve the problem, there is an double charge which i didn't authorize there is also a charge foe 12.99 from a company i have never heard of. All the e-mails there talking about I never received, they told me on the phone the number to call to cancel my debit card and get a new one. They owe me money. This will not be settled until they do! Final Business Response /* (4000, 14, 2015/05/04) */ Dear Ms. *******: Thank you very much for your response through the Better Business Bureau. While we understand that this circumstance has been frustrating for you, please be advised that all email communication provided to you was in response to your email communication through your Online Banking portal. Research revealed your email communication and would be more than happy to provide you with the exchanges you had with our representatives.Please be advised that the conversations were recorded through secured email on our Online Banking module. As aforementioned in our previous communication,initial research have indicated that the charges to your account were preauthorized, hence MasterCard allowed for the charges to be passed ** to your new debit card. Ms. *******, as advised, if you feel that the transactions are unfound / unauthorized, please contact your banking office or contact Retail Customer Service @ (XXX)XXX-XXXX to file your claim. *** ********* ****** Office of the President / Customer Care Union Bank Final Consumer Response /* (4200, 16, 2015/05/06) */ (The consumer indicated he/she DID NOT accept the response from the business.) I RELIZE THAT ITS GOING TO GO NO WHERE. THERE UNWILLING TO DO ANYTHING ABOUT THE FRAUDULENT CHARGES ON MY ACCOUNT. THANKS FOR TRYING TO HELP. YOU WERE MY LAST HOPE TO SOLVE THIS.

5/19/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Account was closed on 2/23/15...I still have not received the balance despite at least 5 phone calls to company and promises a check has been sent. A savings account was closed on 2/23/2015. I have not received the balance in the account despite making more than 6 phone calls over past months. The account was closed on 2/23/15. I was told a check was mailed to my local branch (******* *****). I called the branch daily for 2 weeks and no check was received. I called customer service and they apologized and took my address and then told me a check was being mailed to my house. Two weeks later no check was received so I called again. They apologized and told me another check was sent. Still not being received I called and asked for another better solution. They promised to email me a cashier's check to be cashed at my local branch for a fee (outrageous given all the time I have wasted closing this account and getting my money back). I never received the email. I called again a week ago and was promised a supervisor would call me back. No call was received. I called again and was promised I would receive another call from a supervisor today. It is 4:45 and I don't think the call is coming in the next 15 minutes. I am tired of wasting my time to get what is rightfully mine. Please help me to resolve this issue ASAP. The account balance is approx. $150 dollars it should have been done over a month ago.

Desired Settlement: I'd like to receive the balance from the account and an explanation/apology for the numerous delays and misinformation

Business Response: Initial Business Response /* (1000, 10, 2015/04/30) */ Dear Mr. *****: Thank you for communicating with the Better Business Bureau ("BBB") with regard to your circumstance. Research revealed that your case has been resolved with the Bank on April 22, 2015, as you were able to obtain the remaining balance owed to you. We were able to determine that the reason why the initial cashier's check was not delivered to you was due to the Bank not having your updated contact information. We apologize for any frustration or inconvenience that this delay may have caused you. We are happy to know that you were handled directly with your branch office and was able to resolve this matter. Sincerely, *** ****** Office of the President / Customer Care Union Bank

5/14/2015 Delivery Issues | Read Complaint Details
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Complaint: I was charged $10 for a cashiers check without my permission or consent. After having an account with Union Bank for 20 years, I closed it because of increasingly dubious business practices. They started submitted checks a day early and charging overdraft fees. I waited until all my checks cleared and called to close my account. I inquired how to close my account and they told me to either come in or they could mail me a check. At no time was I told a check would cost $10. When I requested to close my account, they said they would mail me a check and did not say it would cost $10. If they did, I would have drove to the bank at Ralph's Grocery because I am there almost every day. I got my cashiers check for my balance minus the $10 and the note stating they deducted $10. When I called the XXX-XXX-XXXX after, of course, then they said someone should have told me about the charge. They told me to go to the branch and try to get a refund. I went to the branch but she said since I did not have an account anymore, she could not refund it to me. She suggested I call the 800-number, which I had already did. Account_Number: XXXXXXXXXX checking

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want a $10 refund for the cashers check. I was not notified and did not approve this fee for a simple check when I could have driven to the bank in 5 minutes.

Business Response: Initial Business Response /* (1000, 5, 2015/04/27) */ Thank you for notifying us of your concerns. We appreciate the opportunity to address them. As explained in the enclosed Personal Accounts Fee Schedule, our current fee for cashier's checks is $10. The fee schedule was provided to you when you opened your account. Whenever a change is made to the fee schedule, we will subsequently notify you by your statement and/or a disclosure insert. We reviewed the recording of your discussion with our employee on March 26, 2015, and determined you were not reminded of the $10 cashier's check fee. We sincerely apologize for this oversight. As a courtesy, we are willing to refund the $10 fee you were assessed. Because your account is closed, we have refunded the fee by check, which you will find enclosed with the response we mailed you on APril 27, 2015. Thank you for the opportunity to respond to your concerns. We trust we have resolved this matter satisfactorily. Union Bank regrets to learn you have closed your account. We truly appreciate your business and hope you may reconsider using our services in the future. Should you have any additional questions, please contact me at (XXX) XXX-XXXX. Sincerely, ***** ********** Officer Office of the President/Customer Care

5/7/2015 Delivery Issues
3/17/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: I have been banking with Union Bank for over 15 years. They have been doing increasingly shady business practices such as putting in checks to clear before deposits and trying to charge a $33.00 fee per check, and saying a check needs to 'wait to clear'. I deposited my paycheck today from a well known community hospital and they said they funds will not be available for 2 days until the check 'clears'. They say this is because I do not have the funds in my account to cover my check. While they are waiting for a check from a multi-million dollar business to clear, my child and I have to survive on $50 for food and gas for the next 2 days.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I think this bank should be investigated for unethical business practices, falsely charging people for 'overdrafts' and holding my check because they think I am not a good customer. It is ridiculous to hold a paycheck from a well known hospital for 2 days. I don't know if they think it won't clear of it they think it is forged. This bank has been seeming quite unethical lately.

Business Response: Initial Business Response /* (1000, 12, 2015/02/27) */ A detailed response was mailed to Ms. ********* on February 27, 2015. Please refer to this response for details about your account. A summary is made available through the Better Business Bureau; except for account information. At Union Bank, we have made it a priority to provide our clients solutions for their financial needs. Our hope is that our services will promote financial prosperity for all of our customers. Your concerns are important to us, and we regret to learn of your dissatisfaction. We appreciate the opportunity to address this matter, and wish to explain the following in response: Funds Availability Policy Page six of our All About Personal Accounts & Services Disclosurea and Agreement (Account Agreement) explains the following under the Funds Availability section: o "Our policy is to make funds from your cash and check deposits available to you on the 1st Business Day after the Business Day we receive your deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written.... In some cases, we will not make all of the funds that you deposit by check available to you on the 1st Business Day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd Business Day after the day of your deposit. The first $200 of your deposit, however, will be available on the 1st Business Day. If we are not going to make all of the funds from your deposit available on the 1st Business Day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available." For additional information about our Funds Availability policy, please refer to pages six through seven of the Account Agreement (copy enclosed). Overdraft Policy Our Overdraft Policy is explained on pages 37 through 42 of the Account Agreement. You will find a copy of our policy enclosed with this response. In essence our policy explains that when an account becomes overdrawn, authorization or payment of an item is always at our discretion. We also may charge an Overdraft Fee, whether we authorize, pay, or return a transaction. Order of Processing Deposits and Withdrawals For your convenience, we have enclosed our Simply Stated Product Guide for your Company Benefits checking account. Page 3 of this guide explains the following: "For each business day we will: 1. Add deposits to your account, then 2. Subtract items in the following order: Union Bank Items, transactions, and fees, followed by ATM/Debit Card transactions, within each category in ascending order (lowest to highest) by amount, then 3. Subtract all other items such as checks, bill payments, electronic debits (like ACH) in descending order (highest to lowest) by amount." While we regret to learn of your dissatisfaction with our policies, it is important for you to understand that they conform to regulatory guidelines and are consistent with industry standards. Please note that overdrafts can be avoided by ensuring you have sufficient funds on deposit prior to authorizing a transaction. To assist you with understanding how overdrafts happen, I have enclosed our brochure titled Everything you need to know about overdrafts and fees. Union Bank encourages you to utilize the free services we offer, such as Online Banking, Account Alerts, and Telephone Banking, to assist you with keeping track of your balance. In addition, we offer overdraft protection, which can help minimize the amount you pay in Overdraft Fees. Finally, to help facilitate funds accessibility more expeditiously, it may be advisable to inquire with your payroll department on establishing a direct deposit. If so, it may be beneficial to establish a direct deposit as funds received in this method are generally credited to your account on the same day we receive them. Please visit your local branch or call us at (XXX) XXX-XXXX with any questions about these services. We would be glad to assist you. Ms. *********, you are a valued customer. Union Bank appreciates your patronage over the past 21 years. We hope the previously explained information is helpful in providing you a better understanding of our policies and will be helpful in avoiding overdrafts in the future. Should you have any additional questions, please feel free to contact me directly at (XXX) XXX-XXXX. Thank you for banking with Union Bank. Sincerely, ***** ********** Officer Office of the President/Customer Care Union Bank

3/9/2015 Advertising/Sales Issues | Read Complaint Details
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Complaint: I began noticing $8.00 online banking fees on my account that magically appeared as of November. You can't just start taking my money with no just case at random! Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund Refund me $32.00 for the fees charged from November to January. I also want this to stop or I will shut down my account.

Business Response: Initial Business Response /* (1000, 5, 2015/02/19) */ Contact Name and Title: ***** **********, Officer Contact Phone: XXXXXXXXXX Contact Email: ********************@unionbank.com Ms. **: Union Bank is in receipt of the complaint you filed with the Better Business Bureau, which was received on February 6, 2015. I am responding to you on behalf of the Office of the President. Thank you for your patience while waiting for a reply. In summary, your complaint is regarding monthly service charges for your checking account ending in 0623 from November 2014 to January 2015. You request for us to reimburse your account and explain how the monthly service charge can be avoided in the future. Your concerns are important to us, and we appreciate the opportunity to address them. A detailed response was mailed to you on February 19, 2015. Please review this letter and you recent activty to confirm the actions taken for you. Should you have any questions, please contact me directly at (XXX) XXX-XXXX. Initial Consumer Rebuttal /* (3000, 7, 2015/02/23) */ (The consumer indicated he/she DID NOT accept the response from the business.) No letter was mailed to me. Final Business Response /* (4000, 9, 2015/02/24) */ Dear Ms. **: Thank you for your response. To clarify, our letter was mailed to you on February 19, 2015. Please allow sufficient time for the U.S. Postal Service to deliver the letter. If you do not receive it by the end of the week, please call me at (XXX) XXX-XXXX. The response includes detailed information about why your account was assessed a monthly service charge and also explains options to avoid the fee. Because the Better Business Bureau's website is available to the public, sensitive information regarding your account was not posted to the site. Again, I would be glad to discuss your account via telephone. Sincerely, ***** ********** Officer Office of the President/Customer Care

3/3/2015 Guarantee/Warranty Issues | Read Complaint Details
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Complaint: Union Bank put a fraudulent check with someone else's name through my acct. They closed my account, but did not return the balance. Union bank put a clearly fraudulent check through my account that had neither my name on the front, nor my signature, & was stamped "No Signature Required." After arguing with them on the phone, the 3rd supervisor on the phone agreed to zero out and close my account, however that account was not empty, which means they stole my balance. It's not much money, but the fact that they're going to profit from their incompetence by stealing the balance I had in there is appalling. ADDITIONAL DETAILS: Case is being handled by another organization: SDPD

Desired Settlement: I want the pre-fraud balance of my account, a written apology, & your full cooperation with the police investigation.

Business Response: Initial Business Response /* (1000, 5, 2015/02/13) */ Union Bank has established direct contact with Mr. **** and we have reached an amicable resolution. In summary, Mr. **** will not absorb a monetary loss from this experience. The check in question was deemed fraudulent; therefore, an internal and external investigation is ongoing. ****** ******* Office of the President Union Bank

2/26/2015 Problems with Product/Service | Read Complaint Details
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Complaint: Union Bank bill pay errors that they are refusing to acknowledge and credit my account for. Union Bank Bill Pay duplicated my payments, and issued multiple checks. Upon speaking with the Branch Manager she advised there were software issues and directed me to corporate and to file claims for each dispute. In the meantime, my account in overdrawn and locked, so I have no access to any funds. I simply wanted a temporary credit for the funds in error, and requested this with Corporate as instructed by the Branch Manager. Corporate refuses to acknowledge any error and has to "investigate." They directed me to each merchant that the duplicates issued to, and those merchants all state that it is a bank issue and that the bank has to address it. To refund me they need proof of payment from the bank. This proof of payment was requested from the bank, but they have to mail it after an investigation process. Upon call back to Corporate I left messages with the claims supervisor and have not heard back. I am getting the run around with all parties involved, and they are simply refusing to acknowledge the problem and not returning my call. In the meantime I am left without access to my bank account for an error that should have never happened. I am requesting help from BBB because I have followed all instruction from the local Branch Manager and now I have simply been ignored by corporate and the claims department manager.

Desired Settlement: I am seeking refund for the total amount of the Bill Pay error ($498.49) plus any late fees or overdraft fees. I am seeking supplementation for the lost time from work while being on the phone for 5 hours trying to resolve this issue. I am seeking repayment of borrowed money while this issue is not resolved, including any APR of any loans I have to take out, or credit cards I have to use. In addition I had an appointment to get some work done on my car, and because my account is now overcharged I cannot take my car in. This means I will have to request additional time away from work in the future. I am requesting resolution of this as well.

Business Response: Initial Business Response /* (1000, 5, 2015/02/10) */ It has been brought to our attention that this case was recently addressed and resolved by the bank's Customer Advocate Team. Thank you very much for your patience and cooperation for allowing our Customer Advocate Team to assist you. Please be advised that a written response has been mailed to you on February 10, 2015. Should you have any questions please contact us at the information provided to you on that letter.

1/12/2015 Delivery Issues | Read Complaint Details
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Complaint: 1) I've opened a checking and a savings accounts at Union Bank, ** ****** *** branch on 10/12/2013. At the time I was promised a service charge waiver as long as I provide annual proof that I am a student.2) On 10/6/2014 I visited the same branch and provided proof that I am still a student to Ms. ***** ******** Branch Service Manager, to renew my annual service charge waiver. ***** claimed that she has renewed my annual service charge waiver.3) On 11/28/2014 a $4 service charge was imposed to my savings account.4) On 12/9/2014 I called telephone customer service ((XXX) XXX-XXXX) and spoke with ******** who said that the branch has applied the waiver to the checking but not the savings account, however, she agreed to reverse that single $4 charge. ******** added that the branch told her they cannot give me a waiver for two accounts despite the fact they've given me a waiver for two accounts for the last year.5) On 12/16/2014 I found that ******** did not reverse the $4 service charge and so I called telephone customer service and spoke with ***** who told me that they are not going to reverse the $4. I've asked her to file a complaint on my behalf and she gave me a case number XXX-XXXX.This small $4 amount may not be worth the time spent so far but it is becoming an issue of principal to stand against deceptive banking practices.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I am requesting that: (1) Union Bank reverses the $4 service charge withdrawn on 11/28/2014 from my savings account ending with -4158, and (2) apply the annual service charge waiver for students to both accounts as promised when the accounts were opened on 10/12/2013.

Business Response: Initial Business Response /* (1000, 5, 2014/12/23) */ Received initial complaint from the customer via direct email on December 17, 2014, to which we addressed immediately. Responded with a favorable resolution to Dr. ******* on the same day. Received communication from Dr. ******* thanking for quick action. Union Bank considers this matter closed.

11/26/2014 Delivery Issues | Read Complaint Details
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Complaint: I had an account with Union bank for more than 3 years in good standing. I requested it to be closed in September 2014 because they would put a freeze on my account every time I went out of town. the last time was in August which left me stranded.I left $5 or so in the account just in case I had forgot about a small transaction. I heard nothing again until I received a letter dated 10/24/14, received on 10/28/14, stating I was charged $8 for a monthly fee which resulted in a negative balance. I was out of town on ******** island during the next business day, for my birthday. I called and asked why my account was not closed and to kindly reverse the fee and close it. I was called a liar by the service rep and told to go to the branch to deal with it. Because I was on an island with no available branch, I was billed a daily NSF fee and additional NSF fee of $33 totaling $65 in a matter of days.I made no mistake nor financial transaction to deserve these fees. I even tried to transfer funds to cover the fees they charge to avoid more fees, but surprise-they added more fees before it went through.The secured e-mail rep offered me the option of reversing all fees and withdrawing my $5 at the branch or zeroing the fees and closing it. either was fine. I have proof on their letterhead dated 10/30/14. I visited the La Jolla branch on 11/4/14 when I was back in *** ***** from my trip and they refused to honor the agreement and forced me to pay an additional $39 to avoid more fees to be billed the next day. I contacted the secured e-mail service reps and they refused to assist and referred me to the branch. This is shady business practice, and horrible customer service to a loyal member!I have documents available for proof. Product_Or_Service: checking account Account_Number: XXXXXXXXXX

Desired Settlement: DesiredSettlementID: Other (requires explanation) The very simple resolution is to honor the offer given to me by Union Bank online. Reverse the fees to give a positive balance of $5.41. This means I am owed reversal of $8 fee billed 10/23, $6 billed 10/29, $6 billed 10/30, $6 billed 10/31, $33 billed 11/3, refund of $39 cash paid on 11/5, and refund of funds transferred on 10/31/14 in the amount of $20.69. Total is $65 in fees for no reason, plus the $5.41 positive balance I had as of 10/22/14 + $70.41 payable to me. thanks for your assistance

Business Response: Initial Business Response /* (1000, 5, 2014/11/10) */ Please be advised that the Bank has responded directly to the claimant's concerns in writing and is willing to work with him on resolving this matter.

11/18/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Deposited $1000 into the drive thru and receipt said "hardware error". Did not receive the money I deposited for 6 days. I deposited $1000 cash into the drive thru ATM on a Monday evening. I received a receipt saying "hardware error". I called the Mammoth lakes Union Bank and asked how to get my money back into my account. They told me there was nothing they could do and I had to file a claim with the 800 number. The 800 number told me to call my branch to deal with it. My branch then again told me to call the 800 number. I filed a claim the next day. I had to write and sign my complaint and send it to the claims department. I called the 800 number to check the status of my claim and they told me it could take up to 16 days for them to handle it. I was enraged by this point and told them I wanted my money back and was going to be closing my account. I also informed them I would be filing a complaint to the BBB as well as a formal letter of complaint. They finally said they would "expedite" my claim and finally received my money 6 days later. This was my rent money. The whole situation was stressful and thought the situation was handled poorly by the Mammoth branch and 800 customer service. I will tell all my friends, family and co-workers not to use this bank.

Desired Settlement: Formal apology

Business Response: Initial Business Response /* (1000, 7, 2014/10/31) */ Dear Better Business Bureau: Thank you for sending us a copy of Ms. *****'s complaint for review. I am writing to inform you we have conducted a formal investigation of her concerns and issued a formal apology in writing. Please advise Ms. ***** we have mailed our letter as of October 30, 2014, and are happy to speak with her if she has additional concerns. Sincerely, ***** ****** Officer Office of the President Union Bank

11/17/2014 Delivery Issues | Read Complaint Details
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Complaint: My wife has done everything to Union Banks standards for changing her name. We have gone to two diffrent branches and contacted there support line over 8 times to get this resolved. We have received 10 debit cards with the wrong name on them. We have gotten many excuses to why this is but no resolution and we get the (We dont care) feeling from there supervisors everytime we call.My wife has not been able to purchase gas food and other things for 2 months now because of this and every time they send the wrong card they turn off her card until we get a new one. Product_Or_Service: Checking account Account_Number: last four of account

Desired Settlement: DesiredSettlementID: Other (requires explanation) A new CORRECT card and a bonus or per to cover all the issues we have encountered over the last 2 months of this issue which costs me money everytime we find out her card is declined because they turn it off and dont notify us that they are doing so. It's very embarrassing to have a server come back and say your card is declined or have to drive from work to pay my wifes lunch tab because her card is declined or not taken as it does not match her ID.

Business Response: Initial Business Response /* (1000, 5, 2014/11/13) */ Dear Better Business Bureau: The Office of the President appreciates the opportunity to assist Mr. and Mrs. ******** with their service concerns. Please note, a new replacement debit card was expedited to our client's residence on November 6, 2014. In addition, our client's confirmed the card was issued properly and available for use. Should Mr. or Mrs. ******** have additional questions, I may be reached at (XXX) XXX-XXXX. Sincerely, ***** ****** Officer Office of the President Union Bank Initial Consumer Rebuttal /* (2000, 7, 2014/11/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

10/31/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: I made a purchase of an Ipohne online with Avobuy and sent a money order for payment of $411.00 and a Western Union transfer of $3.00 to Avobuy Bank, I made a purchase of an Ipohne online with Avobuy and sent a money order for payment of $411.00 and a Western Union transfer of $3.00 to Avobuy Bank, Union Bank in CA.I cancelled and request a refund ASAP because the ship date for the Iphone would be 60 plus days and requested a refund that would process in 30 plus days. I feel this company is scamming people along with Union bank receciveing illeagal funds under false pretense due to the business of AVOBUY. I have sent numerous emails and phone call without reponse. Apple iPhone 5s Factory Unlocked - Color: Gold - Storage Size: 64GB - Carriers: Unlocked / ANY SIM IP5SU 1 $380.00 $380.00 Sub-Total: $380.00 Free Shipping: $0.00 Total: $380.00 Order ID: #XXXXXXStatus: Request RefundDate Added: 08/15/2014 Products: 1Customer: ******* ****** Total: $380.00

Desired Settlement: Refund of $415.00 BANK TRANSFERS / WIRING INFORMATION Please submit your payment to AVOBUY, Inc Banking Instituion below: Bank Name: Union Bank Account Name: AVOBUY, Inc. Account Number: XXXXXXXXXX Routing Number: XXXXXXXXX SWIFT CODE: *********** Memo: Your ******* Your order will not ship until we receive payment

Business Response: Initial Business Response /* (1000, 5, 2014/10/09) */ Dear Ms: ******: A detailed response was mailed out to you today (10/9/2014) in regards to your circumstance filed with the Better Business Bureau. Please be advised that after reviewing your claim, we recognize that your circumstance is solely with AVOBUY, Inc. and that you we recommend that you continue to escalate and attempt to communicate with them. Sincerely, *** K. ****** Office of the President / Customer Care Union Bank Initial Consumer Rebuttal /* (3000, 7, 2014/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I decline.. Because Union Bank, is accepting money via Western Union from Avobuy customer under fasle pretense. Paying for items before they are being processed and shipped. I demand that AVObuy Bank Account Closed ASAP and each deposit from customer be fully investgated. My next is getting my attorney involved and contact Western Union to accept no funds and transfers to AVObuy / Union Bank. Final Business Response /* (4000, 9, 2014/10/16) */ Dear Ms. ******: Please be advised that we have responded to your rebuttal on October 16, 2014. I regret to hear that you are continuing to have a dispute with a vendor from whom you made a purchase with, however, as aforementioned, this issue is solely with the vendor you made the purchase with. If you are working with legal counsel, we advise that you defer to their direction. Sincerely, **********

10/24/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: They did not explain clearly about the cash reserve. I did not know that it accumulates and charge 18% interest for overdraft. On 2011 I went to the Union bank where I have an account. The teller added a cash reserve to my checking account. He/she did not explain to me completely about the cash reserve. They made me sign it without explaining the pros and cons of it. I notice on my bank statement that the bank withdraw money from my account all the time and in different amounts. I thought that when I overdraw, and then I deposit, the bank would automatic pay the amount borrow from the cash reserve. What someone explained to me today was that it only withdraw the interest which is 18%. It accumulates the withdrawal, and I did not know it. Today I went to the bank to ask about and I found out I owe almost 1500 dollars, and I did not know. The bank never explained to me before. My checking account is XXXXXXXXXX.

Desired Settlement: I request the bank to lower the interest or completely take out the interest. I have been with the bank for many years. I have checking, credit card and saving account with the Union Bank. I also need a payment plan because I can not pay all this money at once.

Business Response: Initial Business Response /* (1000, 5, 2014/09/18) */ Dear Better Business Bureau: Union Bank has finalized our review of Ms. *******'s concerns regarding the service she received when she established a Cash Reserve Line of Credit. As a courtesy, we have extended a refund of the last three months in fees related to her Cash Reserve Account and reviewed her concerns with senior level management. We value her relationship and have mailed a formal response letter to her for review. Sincerely, ***** ****** Officer Office of the President Union Bank Initial Consumer Rebuttal /* (3000, 7, 2014/09/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not understand what the refund come from. Is from interest? is from balance? from where I am getting the refund? How do they determine the last three months? I was asking for low or no interest on my balance, but I do not see it clear if I still have to pay the 18% interest. If the refund covers last three months, what interest rate I will be paying for the rest of the balance? What interest rate am I currently being apply on my balance as of today? I am requesting to decrease or remove the 18% interest that the bank is charging me. In addition I request that all the interest that the bank is charging me since they gave me the cash reserve line credit, to be credited back to my balance. Due to the fact that I was not advised about the interest rate when it was added to my account, I do not want to pay for something that I did not agree with. Final Business Response /* (4000, 9, 2014/10/10) */ Dear Better Business Bureau: The Office of the President has mailed Ms. ******* a formal response letter clarifying her questions regarding her Cash Reserve Account. I trust the information we provided adds clarity to her understanding of her resolution. We certainly value her long-standing relationship and appreciate the opportunity to review and respond to her concerns. Sincerely, ***** ****** Officer Office of the President Union Bank

10/2/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: It used to take up to 3 business days to have an external transfer, now it takes 3-5. I submitted a transfer reguest from one of my external banks on Wednesday and they told me the money was going to be delivered to my Union Bank account on Friday. On Friday, the money had not arrived so I called Union Bank and they said it will take up to five business days. This is a new change since it had previously taken two days before.

Desired Settlement: Just an explanation since when I called the customer service rep at Union Bank, she had no idea either. Are people giving blow jobs for employment? How did she not know the company's policies?

Business Response: Initial Business Response /* (1000, 5, 2014/09/15) */ Union Bank is glad to address the concerns raised by Ms. *******. Today, we mailed a full written response to her directly. However, in summary, I wish to confirm that Union Bank's timeframe for external account transfers (for "owned" accounts) is three business days. I have ensured that the representative whom assisted Ms. ******* is coached to ensure correct information is being provided to our clients. Most importantly, research of Ms. *******'s account determined that she did not utilize Union Bank's online banking service to conduct her most recent external account transfers; therefore, we recommend she solicit the institution providing the transfer service to understand its timeframes. Should Ms. ******* have additional questions after reviewing our written response, she is welcome to call me at (XXX) XXX-XXXX. ****** ******* Office of the President Union Bank

8/28/2014 Delivery Issues | Read Complaint Details
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Complaint: Union Bank of California promised to give %1 interest rate to money market acc. to the depositers. Union Bank promised to give %1 interest if I open money market acc. The bank is not giving me a proper interest, they are cheating the depositers.

Desired Settlement: The Union Bank must give me the correct deposit on my money market Acc. for %1, and continue giving me the money market rate that they have promised me in my money market acc.

Business Response: Initial Business Response /* (1000, 5, 2014/08/07) */ At Union Bank, one of our core values is to provide exceptional service and products to our customers. Your concerns are important to us, and I appreciate the opportunity to address them. As you may know, our MoneyMarket Extra promotion required a minimum opening deposit of $10,000 and a linked Union Bank personal checking account. I have enclosed a copy of the Important Information About Your MoneyMarket Extra Offer disclosure, which was provided to you when you opened your account. This disclosure explains the terms and conditions of the promotion in question. In response to this matter, a response was mailed to your address of record. Unfortunately, because promotional guidelines were not maintained, Union Bank is unable to reimburse you. Should you wish to discuss this matter further, please contact ***** ********** at our Office of the President at (XXX) XXX-XXXX. Initial Consumer Rebuttal /* (3000, 7, 2014/08/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) My money market deposit acc. balance showed in Union bank was over $250,000.00. You can ask for my bank statement. Thank you again. Final Business Response /* (4000, 11, 2014/08/26) */ Your concerns are important for us to address and were discussed with senior management in review of your interactions with our branch staff. While we were unable to validate the concerns you raised, Union Bank is interested in resolving this matter to your satisfaction. A cashier's check was mailed to you to reimburse you for the loss of interest for the time period documented in our response. The response also includes a spreadsheet to demonstrate how the amount in interest was calculated. Ms. *************, thank you for the opportunity to address your concerns. You are a valued client and our hope is to reestablish our relationship with you in the near future. If you have any additional questions, you are welcome to contact me directly at (XXX) XXX-XXXX.

8/25/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Fraud on my account my debit card was lost and used, and union bank is stating these transactions are everyday activities. i also noticed on my statement thee were charges from itunes and microsoft which were only suppose to be one time charges and they have been charging every month now, i am currently dealying with those issues myself. the main concern are the atm withdrawl and purchases with my card which i did not do. i have been a member with union bank since 1989. I cannot believe they they would do this to a loyal customer.

Desired Settlement: there is roughly around $700.00 in charges that i would like retuned to my account.

Business Response: Initial Business Response /* (1000, 5, 2014/08/06) */ Union Bank appreciates the opportunity to review and response to the concerns Mr. ********* has noted. A detailed response was mailed to Mr. ********* directly. Should there be any additional questions, my contact information is enclosed with said letter. Sincerely, ****** ******* Office of the President

7/25/2014 Advertising/Sales Issues
7/8/2014 Billing/Collection Issues
7/3/2014 Problems with Product/Service | Read Complaint Details
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Complaint: Re: accounts # XX-XXXXXXXX and XXXXXXXXXX Upon writing a last check on 11/06/013, leaving a balance of $ 30 in the account ending 391 and writing a last check , leaving a balance in the account ending 383 I informed the Bank by letter on both occasions and marking the memo with "closing account" I keep getting "Nonsufficient FundsNSF) Activity on Your Account" notices with "Account Shortage" balances. I have returned these statements every time with a reminder that both of the above accounts have been closed, yet another statement dated 1/31/014 just arrived, listing a $ 59.09 Account Shortage. After three returned statements, the memo notice on the last checks, two phone calls, two letters - I still get those NSF statements. HELP! Thanks for your assistance.

Desired Settlement: {\fs16 Re: accounts # XX-XXXXXXXX and XXXXXXXXXX Upon writing a last check on 11/06/013, leaving a balance of $ 30 in the account ending 391 and writing a last check , leaving a balance in the account ending *** I informed the Bank by letter on both occasions and marking the memo with "closing account" I keep getting "Nonsufficient FundsNSF) Activity on Your Account" notices with "Account Shortage" balances. I have returned these statements every time with a reminder that both of the above accounts have been closed, yet another statement dated 1/31/014 just arrived, listing a $ 59.09 Account Shortage. After three returned statements, the memo notice on the last checks, two phone calls, two letters - I still get those NSF statements. HELP! Thanks for your assistance. }

Business Response: Initial Business Response /* (1000, 5, 2014/07/01) */ Dear Better Business Bureau: The Office of the President has reviewed this matter and, as a courtesy, agreed to waive the overdraft balance owed on Mr. *********** account for $-69.92. I confirmed no negative reporting was reported to ChexSystems or to the Credit Agencies. A formal written correspondence has been provided to Mr. ******** explaining the details of his account activity and how his account became overdrawn. I am pleased with the opportunity to review and respond to his concerns. Sincerely, ***** ****** - Officer Office of the President Union Bank

6/30/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: UB unwilling to assist a long time customer to get serious matter resolved. There is a fraud investigation on my account that has resulted from 6 checks I deposited for $45K from my mom's account rejecting from LBS Financial Credit Union (LBS). LBS had an issue with the signatures on the checks and was unable to get a hold of my mom to confirm. My mom is in the hospital and hooked up to a ventilator. We have hired a financial firm to help us lawfully move her funds (401K) into my account so that she can qualify for Medi-Cal. My mom needs 24-7 care and Medi-Cal is needed to help cover the long term costs. In a weekend state she signed 19 checks back to back. This was done with me and the financial firm's representative present and a copy of all the checks was made. The law permits a gift of under $8,000 a day to another person so this is why there have been numerous checks for $7,500. We've been trying to move about $138K out of my mom's account. I am a signor on my mom's account as well. I called LBS and explained the problem to them and the answer I was given was to just write more checks and deposit them. I attempted to do this by coming into the UB branch in Costa Mesa but the checks would not be accepted due to the Fraud Dept. (over the phone) telling the teller to not accept the checks. I have the name and contact number for the person I spoke to (LBS - ****** ************** My account is now seriously delinquent because I invested those funds based on the notice I received that the funds would be deposited by 4/5/15. I have been a customer of UB for 14 years without any issues. If they are unwilling to pick up a phone and contact LBS and unwilling to accept these checks I have no ability to rectify the issue. My account has been frozen for days and my bills are bouncing. I called yesterday and was only told that a fraud investigator has yet to be assigned. I do not understand how you could freeze an account and a week later nobody is assigned to let you plead your case. This process is holding up my mom's ability to get coverage for her condition.

Desired Settlement: UB to follow up with me and to be willing assist. I ask that they be willing to contact the other institution to help rectify this issue. If UB is unwilling to accept these checks and call the other institution I will be unable to fix my account.

Business Response: Initial Business Response /* (1000, 5, 2014/04/23) */ Union Bank is in receipt of the complaint filed with your office on April 11, 2014, by Mr. ******* *******, which was received by the Office of the President on April 14, 2014. I have concluded my research and determined the restraint placed on Mr. *******'s account was removed on April 14, 2014. As of this date, he has full access to his funds, as we discovered LBS Financial Credit Union inadvertently returned his checks. A formal response has been provided to Mr. *******. I appreciate the opportunity to review and respond to Mr. *******'s concerns. Sincerely, ***** ****** Office of the President Union Bank Initial Consumer Rebuttal /* (3000, 7, 2014/04/28) */ (The consumer indicated he/she DID NOT accept the response from the business.) My issue was not that my account was suspended, but Union Banks unwillingness to assist me. They were unwilling to call the other institution to rectify the situation and shut off access to viewing my account online, even after I explained the situation to them. Among many bills that got returned, I had my insurance cancelled because I was unaware that bill got returned. After I received a letter from the other institution, taking responsibility for their mistake, I was unable to get immediate help from Union Bank because a week into my account being suspended, I was told that nobody had been assigned to my case yet. After my account was re-instated, I was not informed that I would still not be able to deposit checks via the ATM and had to make a second trip to a branch to make a deposit. Even after my deposit I was still not able to view my account online and had to make two separate requests to get my account re-instated. First I called Union Bank and was told they could not help me and that I would have to make an inquiry online. The person I spoke to on the phone couldn't find notes on my account regarding the suspension of the account that would have helped her to understand the issue. After making a request online I got access to my account but had no history to view to see the activity that transpired while my account was suspended for 10 days. I now have made a couple more requests and still do not have access to my history and it has been close to a week. After four days and two separate requests I was told that my history was "probably" not displayed and that they would have to send it to their research team. Three days later and I have yet to get a response. Lastly, My reserve account was closed by Union Bank and they have not re-instated that. I'm a 14 year customer with no issues ever on my account and the service during this ordeal has been atrocious. I do not understand why there was a presumption of guilt and why I had to make repeated requests to get basic services. The one positive thing was the help I received from the investigator ******* when my case got to her. Unfortunately there were numerous hiccups before it got to her and this ordeal has exposed numerous issues with UB's inability to maintain good communication flow amongst their different departments and to provide value to their customers. I'm old fashioned and I believe 14 years of loyalty means the business is willing to go the extra mile to help you out. I will be closing my account and going elsewhere. Final Business Response /* (4000, 9, 2014/05/08) */ Dear Better Business Bureau: As of May 8, 2014, the Office of the President has made direct contact with Mr. ******* ******* and presently reviewing the following, on his behalf: Understand why he is unable to view his account history activity online. Supply him with a letter he may provide to the merchants whose payments rejected, which occurred as a result of the other institutions error by returning his checks. Union Bank's primary focus is delivering outstanding service. Presently, we are evaluating the service levels provided to him by our Direct Banking staff. Mr. ******* is a valuable client and we are glad to offer him the additional assistance he needs regarding the concerns expressed in his rebuttal response to your office on April 29, 2014. Thank you for the opportunity to review and respond to this matter. I will provide Mr. ******* with a follow-up response letter once all of his concerns have been rectified to his satisfaction. Sincerely, ***** ****** Office of the President Business Response /* (4000, 17, 2014/06/18) */ Hello Better Business Bureau: The Office of the President resolved Mr. ******* *******'s debit card complaint on June 3, 2014, when he initially brought this concern to our attention. I confirmed his debit card has remained in an open and active status and is available for his immediate use. I have mailed Mr. ******* a formal response letter addressing this concern. Sincerely, ***** ****** Office of the President Union Bank

6/24/2014 Advertising/Sales Issues
6/13/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Over the weekend my boyfriend and I went to visit a friend in ************. We live 2 hours away. While we were up there we pulled out funds from the Union bank drive through ATM. After we left big bear for home we noticed that we did not have our card with us (the card is a non union bank card). My boyfriend called into the branch just to see if they have the card, so we do not have to drive 2 hours back to find out. The Manager **** refused to give us this information. Even though we would provide an ID for the card if we had to go back and get it. Later by boyfriend called back to speak with the manager and they hung up on him once and blacked his call the second time. I went ahead and called the *********** Union Bank and they were going to to check to see if I had the card lost there, I did this just to see if the Big Bear bank we were dealing with is the only branch that would not check on this for me. I called back to the Big Bear branch to speak with the manager again and she said I cant give you that information because "What if you go and make a fake ID for the card, and bring it in to claim the card?". I have NEVER in my life dealt with such an unseen branch before. I would never recommend anyone to this bank and especially this branch. Product_Or_Service: debit card

Desired Settlement: DesiredSettlementID: Other (requires explanation) I would like to find out if our Debit card is there. Also a manager to contact me.

Business Response: Initial Business Response /* (1000, 5, 2014/05/27) */ Union Bank's Office of the President appreciates the opportunity to review and respond to Ms. ********'s concerns. I attempted to reach Ms. ******** by telephone, but I failed to make contact with her. As a result, I was lacking information necessary to research her concerns in detail. A full response was mailed to Ms. ******** directly. Should she have any additional concerns, my contact information is also enclosed with the response. Generally speaking, our process is to destroy cards detained by our ATMs within 48 hours; therefore, I would like to suggest the card in question be reported as lost with the appropriate financial institution. Thank you for the opportunity to review and respond to your concerns. Sincerely, ****** ******* Office of the President Union Bank

6/3/2014 Advertising/Sales Issues | Read Complaint Details
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Additional Notes

Complaint: Union Bank has threatened to charge me for an insurance product which I already possess. This bank, which holds the mortgage note on a condominium I own in**********, has continued to send me threatening letters regarding the lack of insurance on this property, and now states that it will charge me for an insurance policy. I have provided all of the policy and contact information regarding both my homeowners insurance with USAA and the condominium insurance with Barney & Barney, LLC, as well as authorized the bank via written correspondence to investigate these policies. The bank's letters provide only a general service number with the bank (XXX-XXX-XXXX) with which it is impossible to speak with an agent. They also provide NO email contact information. The bank states that it is charging me $2479.23 for a policy (provided by American Modern Home Insurance Co.), and for a combat Veteran who is trying to reestablish a private business after being in *********** for most of last year, this is very troubling. Please advise. Thank you. Product_Or_Service: Resi-Condo/Owner/Occupied (M6) Insurance Policy Account_Number: BMXXXXXXXXXX

Desired Settlement: DesiredSettlementID: Refund Refund this fee for a policy I already possess. Additionally, assist other Veterans who have had to deal with this bank, as I have had other problems regarding directing payments on this mortgage account. Union bank is not very military friendly!

Business Response: Initial Business Response /* (1000, 6, 2014/04/07) */ Contact Name and Title: Kay Sakaue, AVP Contact Phone: XXX-XXX-XXXX Contact Email: **********@unionbank.com Thank you for your feedback. Our Consumer Lending advocates have reached out to your insurance company and have obtained an updated copy of your policy. You should be receiving a call to confirm. Should you have any questions, please feel free to contact me at XXX-XXX-XXXX. Initial Consumer Rebuttal /* (2000, 8, 2014/04/10) */ (The consumer indicated he/she ACCEPTED the response from the business.) Union Bank contacted me promptly and was very courteous. The issue was resolved soon thereafter. I would simply recommend to Union Bank to include a point of contact with phone as well as email to prevent escalation of these types of issues in the future. BBB provided an outstanding service in the review and resolution of this issue. Thank you! Final Business Response /* (1000, 20, 2014/06/02) */ Contact Name and Title: *** ******* AVP Contact Phone: XXX-XXX-XXXX Contact Email: **********@unionbank.com Union Bank greatly appreciates Mr. ***** recommendations and have shared them with our senior management. The Bank has also been very busy in improving our communication channels, such as, telephone and email, for our customer facing units. Feedback, such as Mr. *****, allows Union Bank to improve our customer's banking experience and welcomes it any time. Final Consumer Response /* (2000, 22, 2014/06/03) */ (The consumer indicated he/she ACCEPTED the response from the business.) Resolved.

6/2/2014 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: Charge in excess fees. My account was near negative, Union Bank knowingly charged me a total of 5 non-sufficiant fund fees. Tacking on these fees as a result of the last NSF fee they charged me. How does it make sense that "Hey let's charge her $33 cause she's negative and now add on another $33 cause that's a charge she can't pay" and just continue to keep charging me fees to pay fees?

Desired Settlement: Refund the NSF fees you charges for the fees.

Business Response: Initial Business Response /* (1000, 7, 2014/05/19) */ Contact Name and Title: *** ****** Contact Phone: XXX-XXX-XXXX Contact Email: **********@unionbank.com Customer has been responded to on May 14, 2014. Provided feedback on her current account status and activity. Also encouraged to participate in the Bank's Overdraft Protection program. Initial Consumer Rebuttal /* (3000, 9, 2014/05/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) Union bank intentionally racked on additional fees from one existing over draft charge, there is a total of 5 NSF fees steaming from 1 purchase I made. Final Business Response /* (4000, 11, 2014/05/21) */ Union Bank appreciates the opportunity to review and respond to Ms. ***** concerns. While we understand Ms. ***** concerns about her overdrafts,it is necessary to have available funds in her account at all times in order to faciliate her purchases regardless if they are by check or electronic. Union Bank has responded in kind, by mail, advising Ms. ** of her account status. Union Bank has also provided Ms. ** with Saving Overdraft Protection options to help her facilitate her account balances and payments. As a one-time courtesy Union Bank has provided her with a partial NSF reversal that has already been credited to her account. Should Ms. ** have any additional questions or concerns, she is welcome to contact me at the Office of the President at (XXX) XXX-XXXX. Sincerely, *** ****** Assistant Vice President Office of the President/Customer Care Union Bank

5/2/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: Union Bank is continuing to giving me a hard time with my request to change method of mortgage payment from auto pay from my checking account. I have called 5 times and sent 2 faxes. I need help to stop Union Bank from taking my mortgage payment automatically from my bank account, it is my right to request change. Product_Or_Service: Mortgage loan

Desired Settlement: DesiredSettlementID: Other (requires explanation) Signed letter confirming request from Union Bank.

Business Response: Initial Business Response /* (1000, 5, 2014/04/15) */ Customer has been working with Union Bank's Consumer Lending department to change the automatic payment disposition. Delay of processing was due to inconsistencies of signatures and Union Bank needed to confirm before accepting and processing the request. Consumer Lending was in communication with the client, in turn, was able to receive another request with validated signatures. Automatic payment disposition has now been changed per the customer's request.

5/2/2014 Billing/Collection Issues
3/17/2014 Billing/Collection Issues | Read Complaint Details
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Complaint: We were notified of fraudulent transaction on our Acct due to the target breach, After opening a complaint, Its been denied. Below is a copy of the Appeal that I have sent to the company at fax number XXX-XXX-XXXX as provide by ******* a Supervisor in the Fraud Dept. They were unable to provide a turnaround time for the review. The amount In Question is just under $500.00 To whom it may concern, I am writing this as an appeal to a Denial that was done for Claim # XXXXXXX on 01/27/14. The reason for the Appeal is that the Transactions in question are nor ours. On the day of 1/10/14 we were notified by your Fraud Department and were advised that our cards were flagged for fraudulent charges. Upon Speaking with your representative’s throughout the day we were made aware that this was due to the Target Breach, Our Cards were at risk. Our cards were immediately stopped and new cards were issued, which we received a few days later. We filled the claim on 01/11/14 # XXXXXXX and were told that it would take 10 days to be completed, but that since we were the ones that were notified by the Fraud department that it may be sooner. We waited and were not notified until I made the call on 01/28/14 and advised that the claim was denied the day prior. I found this to be in poor taste as I should not have had to call after the fact. So again we state that the Transactions in Question are NOT OURS, we did not authorize them, and we did NOT make them. We WANT OUR MONEY BACK. We are the Victims and should not have to be held responsible or Punished for them. Again were the ones that were notified by YOUR FRAUD DEPARTMENT to question the charges. I ask that you Take the Facts and confirm that our Cards were placed at risk due to the Target Breach and again, that YOU were the ones that notified us. Also I do not feel that I should have to Wait Excessively long for a response, I am not rich and the money we earn supports our Family. We can be reached at the numbers below. Messages can be left and we will return your calls. G. ***** XXX-XXX-XXXX Cell ******* XXX-XXX-XXXX Cell Home XXX-XXX-XXXX Dated 01/30/14 Thank you,

Desired Settlement: I am asking to have my money back, We did not Authorize the Transactions and in no way should we be held responsible. We feel harassed and bullied when in fact we are victims. If we are unable to resolve this I am considering a Lawsuit and filling for the aggravation that we are going through. We do not deserve it.

Business Response: Initial Business Response /* (1000, 6, 2014/02/12) */ Dear Ms. ********: As one of our core values, we are committed to providing you excellent service. I regret to learn of your dissatisfaction with our decision on your claim. Your concerns are important to us, and I appreciate the opportunity to review them. I have mailed you a detailed response to your circumstance. To briefly summarize the response, senior management has reexamined your claim. While your dissatisfaction with the claim’s denial is noted, our decision to deny the dispute upheld as we confirmed the debit card that authorized the transactions in question was not compromised. Should you have any questions or need clarification, please contact me at (XXX) XXX-XXXX. Sincerely, ***** ********** Assistant Vice President Office of the President/Customer Care Initial Consumer Rebuttal /* (3000, 8, 2014/02/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) The transactions that are being disputed were done just prior to the one at the gas station that caused your fraud dept to flag or acct. This is not just a freak coincidence, this is fact. Review your records again. Talk to your reps that do the work. Final Business Response /* (4000, 11, 2014/02/24) */ Your concerns are important to us, and I appreciate the additional opportunity to address them. In response, I wish to explain the following: Union Bank uses a fraud management system to evaluate the probability of fraudulent transactions being conducted based on the profile of typical card usage and known fraud patterns. To protect our customers and Union Bank from possible losses whether a card has been lost, stolen, or impacted due to a breach, the card's status may be temporarily suspended until the questionable or high risk transactions are reviewed with the cardholder. Please note that transactions flagged as questionable or high risk are not necessarily unauthorized. With regard to Ms. ******'s debit card ending in 8451, our system suspended the card and flagged transactions from January 8, 2014, to January 9, 2014, that we were interested in verifying. At no time was her card suspected as being compromised. The transactions being disputed as unauthorized were investigated and reviewed against previous account history and debit card activity. During the course of our review, it was determined Ms. ******'s debit card was not compromised, based on the transaction history that was researched. In addition, it was determined Ms. ******'s debit card was used at a Union Bank branch in Stockton to the AutoZone transactions also conducted in Stockton, California. The card was also used again at the Superior Thrift Store in Stockton. The transactions conducted at the Union Bank ATM and the Superior Thrift Store located in Stockton, California, which are not being disputed, validate Ms. ****** had the card in her possession. As such, the Office of the President reaffirms our concurrence that the decision to deny your claim was appropriate. Ms. ******** and Ms. ******, your relationship is important to Union Bank. While we regret your dissatisfaction with our denial of your claim, we consider our decision final. As such, the Office of the President has closed our investigation into this matter. Sincerely, ***** ********** Assistant Vice President Office of the President/Customer Care Final Consumer Response /* (4200, 13, 2014/02/26) */ (The consumer indicated he/she DID NOT accept the response from the business.) If the charges were valid, then why did your fraud department contact us? You are stealing money from a family. And again the charges in question were all done one right after another and with you guys flagging the acct. They are not ours and you need to return or money!

1/20/2014 Delivery Issues | Read Complaint Details
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Additional Notes

Complaint: I would like Union Bank to return $825.00 I paid to them for an appraisal of my home in conjunction with refinancing my home here in Mill Valley. In May 2013 I submitted my tax returns, loan app and other financial in formation to Union Bank via Back Bay Financial. In phone calls and emails they told me they were confident the loan would be approved. In July they requested that I pay them $825.00 for an appraisal which I paid via credit card on 8/28/2013.Shortly thereafter the broker stopped returning my phone calls. On October 21, I received a letter from Union Bank stating the loan was declined because of excessive obligations in relation to income. So in summary they dragged out the loan process for seven months, and then they declined the loan based on information they had in their possession for seven months. That seems to be acting in bad faith. In addition, the appraisal was so unprofessional it would be useless on another loan application. For example, my home is 4300 sq. ft and the appraiser listed it at 3,000 sq. ft. or roughly 25% less than the actual size.

Desired Settlement: DesiredSettlementID: Other (requires explanation) Return my $825.00

Business Response: Initial Business Response /* (1000, 5, 2013/12/30) */ Contact Name and Title: *** ******* AVP Contact Phone: XXXXXXXXXX Contact Email: **********@unionbank.com Mr. ******, thank you for reaching out to Union Bank in regards to refunding your appraisal fee. We are in receipt of your complaint received on December 16, 2013. Thank you for your patience while waiting for our reply. Upon reviewing your request with senior management, it was verified that all policies and procedures were followed, and therefore, your request to receive a refund of the appraisal fees collected cannot be approved. A detailed response was mailed to you on December 30, 2013. Mr. ******, thank you for the opportunity to review and response to this matter.

1/17/2014 Problems with Product/Service | Read Complaint Details
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Additional Notes

Complaint: Union Bank took 16 days to accept a transfer of $80 from Wells Fargo and insisted it was Wells Fargo's fault. On 11/20/13, my father sent a transfer of $80 from his Wells Fargo account to my Union Bank account. My father has been transferring $80 into my account one-time per month since May 2013. It usually takes 5 working days , but this time it took over 16 days. When I called Union Bank on 11/28/13, they insisted ***** ***** had not sent the transfer over. My dad called his bank and they should the transfer happened on 11/20/13. I waited a few more days because I thought maybe there was a delay due to Thanksgiving. I called Union Bank again on 12/5/13 and they again insisted they didn't have receipt of the deposit and that I should ask my father to cancel his request and have Wells Fargo send another transfer. On 12/6/13, the money showed up in my account. We thought the issue was resolved. However, due to Union Bank's suggestion of telling us to cancel the check with Wells Fargo, on 12/8/13 the $80 was reversed from my account and I was charge $6 check reversal fee. I don't understand why Union Bank would hold a check and act like they don't have it only to cash it after they suggest reissuing it? This is not customer service.

Desired Settlement: A quick, efficient process of transferring money from one bank to another.

Business Response: Initial Business Response /* (1000, 5, 2013/12/27) */ Union Bank's Office of the President appreciates the opportunity to respond to Mr. ********'s concerns. Bank records show, the transfer from Wells Fargo originated as a Bill Pay check, which was sent by US mail to Union Bank. The timeframe of said inter-bank transfer is heavily dependent on the US mail; therefore, I suggested the alternative of establishing a Bank-to-Bank transfer service that would eliminate the US mail factor. As a courtesy, I granted Mr. ******** a refund for the fees accumulated as a result of this circumstance. Mr. ******** should expect my full written response by mail shortly, which also contains my direct contact information. Thank you for allowing Union Bank to research and provide resolution to your concerns. Sincerely, ****** ** Office of the President Union Bank, N.A.

10/16/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: UNION BANK PLACED A COLLECTION ON MY CREDIT FILED FOR A $39 FEE FOR A CLOSED CHECKING ACCOUNT. I CLOSED THIS ACCOUNT AND NEVER RECEIVED ANY BILL!!! UNION BANK PLACED A COLLECTION ON MY CREDIT FILE FOR A $39 FEE THAT I DO NOT OWE, OR NEVER EVEN RECEIVED A BILL OR ANY CORRESPONDENCE ON. THIS IS UNACCEPTABLE. I CLOSED THIS ACCOUNT MONTHS AGO, AND THIS IS EXTREMELY IMPROPER OF UNION BANK. NOT ONLY DO I NOT OWE THIS FEE, I CAN'T BELIEVE I WAS SENT TO A COLLECTION AGENCY OVER A $39 FEE I AM COMPLETELY UNAWARE OF!!!!

Desired Settlement: REMOVE THIS COLLECTION FROM MY CREDIT FILE IMMEDIATELY! I AM DISPUTING IT AND I DO NOT OWE THIS $39 FEE! THIS IS INEXCUSABLE!!!

Business Response: Initial Business Response /* (1000, 5, 2013/09/30) */ Union Bank has investigated Mr. ******'s credit reporting dispute. A response was mailed to Mr. ****** directly, and we consider this matter resolved. Should Mr. ****** have any questions, he is welcomed to call me directly at (XXX) XXX-XXXX. ****** ******* Union Bank, N.A.

9/19/2013 Problems with Product/Service | Read Complaint Details
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Complaint: Returned my payroll check for "Reason S Refer To Maker". But refused to say what that means. I have been getting payroll checks drawn on Union Bank of California for some time, as does everyone else in this 36 office company. For some reason they returned one of my payroll checks stamped "Return Reason (S) Refer To Maker". They refused to explain what that means. They refused to tell me why they did not honor the check. A check is a contract. When the bank it is drawn on refused to honor it, I should be able to find out why.

Desired Settlement: I want them to answer my perfectly reasonable question. What does their "Code S" mean specifically and what happened in this specific instance. I would like them to not treat customers who are not account holders with such rudeness and disregard.

Business Response: Initial Business Response /* (1000, 10, 2013/09/09) */ Contact Name and Title:********************** Contact Phone: ********** Contact Email: #************************** Your concerns are important to us and I appreciate the opportunity to respond to them. The information provided through the BBB did not include any specific information about your deposit. Therefore, on August 29, 2013, and September 5, 2013, I contacted you via email and requested that you provide details in order to research the matter further. Because this information has not been provided, unfortunately, I am unable to continue my investigation. Should you be interested in forwarding me the requested details, please feel free to do so through one of the following methods: Fax: (***) ******** Email: #************************** While a copy of the check would typically be helpful in identifying the reason for the stop payment, I trust your understanding with our policy of not sharing this information with a non-account signer. In your case, it may be advisable for you to discuss the matter with the issuer of the check. Mr. *****, thank you for the opportunity to review this matter. If you have any questions about this letter, you may contact me at (***) ********. Sincerely, **************** Assistant Vice President Office of the President/Customer Care Final Consumer Response /* (2000, 12, 2013/09/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) If Union Bank had been willing to communicate with me this could have been resolved immediately. However, thanks to the finance department at my former employer providing me with the information I needed, I have determined that the problem was not at Union Bank, but actually originated at my Credit Union. Unfortunately, Union Bank's obstinate refusal to talk to me in any way caused this issue to be much worse than it needed to be. While I consider the specific issue resolved, and do not wish to pursue it any further with the BBB, I never wish to do any business with this bank ever again. I do not consider a check drawn on this bank as an acceptable form of payment, and will not accept them. I feel so strongly about this that I resigned my position. I would strongly caution anyone considering using this bank to go anywhere else.

9/18/2013 Advertising/Sales Issues | Read Complaint Details
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Complaint: Fee collection practices and bad customer service Union Bank Acc.# **********/Sead Subasic/SSMotors,LLC.I was charged on 8/22/13 a $33.00 fee for check of $20 I issued on February 2nd 2013. I admit that I even forget about that check,otherwise I would maintain enough funds on account.I was sent notification dated 8/23/13.I was out town and opened letter on 8/29/13.We can be out of town or in hospital,or... Went in Bank branch 23511 Paseo ***********,Laguna Hills,on 8/30/13 to deposit $50 to cover account shortage of $39.38. Teller took it from my personal account and I asked to be deposited as cash.She didn't and she even didn't informed me that there are two times $7 fees on 8/29 and 8/28,so my account had shortage.But I didn't know that.That was around noon and later that afternoon I checked account online,to be sure everything is O.K.and was suprised that I still was short $53.38. I called customer service ************ and unfortunatelly got ******* customer service representative.She was very rude and I asked for another representative and she transfered me to ******** speaking representative.She was nice and polite and transfered me again to English speaking representative.I asked for Supervisor and got ************ ID#*****. She was not helpful at all and refused to credit any NSF fees to my account.She don't know why my cash deposit doesn't show up today,she don't know why branch teller didn't told me that with $50 deposit I still will have account shortage, but I can go to branch and ask branch manager.But she know,if I didn't figure out today their policy and practices,I would be charged 3 more days each $7. Nice policy and practices.That's the reason they mail you notification.When they offer you all junk,they will e-mail you.So I went again in Branch,but manager was not today in. So next pearson in line,I think Trudie,told me that she can't fix $50 deposit,because it was not maid as a cash,even it was,but she will talk with teller and explain to her that she should tell customers if their account is still in shortage.That's it,we can't/want fix it.I made another $20 cash deposit and want to close my personal account,but unfortunately I have two pending payments,so I have to wait until they clear.And eventualy,why they paidthat check # 1006 amount $20? I didn't ask for that,no funds,return check and still will be cheaper for me.Policy and practices? Is there any regulations? And ******* insulted me and my english.I wouldn't go that far and said **************,but looks like she has something against ******** and *********.I think that's just rudnes that they get in training from supervisors.

Desired Settlement: Fees credited back to my account and more training on customer service for *******, ********* and branch teller.

Business Response: Business' Initial Response /* (1000, 5, 2013/09/13) */ At Union Bank, we strive to provide you exceptional service at all times. I regret to learn of your frustration with your recent experience with your account and our employees. I have mailed you a reply regarding Union Bank's overdraft policy, which conforms to regulatory guidelines and are consistent with industry standards, and responded to your inquiry regarding the fees you were assessed. Additionally, our goal is for every customer to be treated with respect at all times. Your dissatisfaction regarding these circumstances is understood and was referred to senior management for review with our employees. Please call me at (***) ******** with any additional questions. Sincerely, **************** Assistant Vice President Office of the President/Customer Care Consumer's Final Response /* (2000, 7, 2013/09/17) */ (The consumer indicated he/she ACCEPTED the response from the business.)

9/10/2013 Billing/Collection Issues | Read Complaint Details
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Additional Notes

Complaint: I filed an application with **** from Union Bank. She stopped responding to my phone calls and emails regarding my application. I filed an application with **** from Union Bank. She stopped responding to my phone calls and emails regarding my application. The application has all of my personnal information including my social security number, tax return forms, credit report, and so forth. I am concerned that because no one is returning my phone call to let me know what is going on with the application. They may have used my personnal information for fraud. What is the status of my application, and why has no one responded to my calls or email?

Desired Settlement: What is the status of my application, and why has no one responded to my calls or email?

Business Response: Business' Initial Response /* (-10, 5, 2013/08/22) */ Ms. ****: As we discussed, the Office of the President has reviewed your concerns. Unfortunately, the employee you were working with is no longer employed by Union Bank. I apologize for any frustration this has caused you. Per your request, I mailed you the copies of the documentation you supplied to our former employee. Please call me at (***) ******** with any other questions. Sincerely, ***** ********** Assistant Vice President Office of the President

9/6/2013 Problems with Product/Service | Read Complaint Details
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Complaint: In 2011 Union Bank advised on how to handle a claim form. I followed their instructions. Now they refuse to make good on their promise. I followed Union Bank's advise on filing out a claim form for Lehman bonds invested in my IRA. Now that I have received settlement they refuse to put the money back in my IRA account. Any financial institution should adhere to a promise made to a customer...not tell the customer that the problem is now theirs to solve.

Desired Settlement: Accept the Lehman settlement check and put funds back into my IRA where it originated and where they promised it would be placed.

Business Response: Business' Initial Response /* (1000, 5, 2013/09/04) */ Dear Mr. ******: Union Bank (the ''Bank'') is in receipt of the complaint you filed with the Better Business Bureau, which was received on August 27, 2013, as well as your voicemail to Mr. ******* ***, President and Chief Executive Officer received on August 30, 2013. I am responding to you on behalf of the Office of the President. Thank you for your patience while you have waited for a reply. It was brought to my attention that our Union Bank Investment Services (UBIS) department spoke with you on August 28, 2013, and resolved your concerns outlined in this complaint on August 30, 2013. Mr. ******, I am glad to learn you did not require additional assistance from our office when we contacted you on September 3, 2013. We appreciate the opportunity to review and respond to your concerns. Should you require additional assistance in this regard, please contact us at (XXX) XXX-XXXX. Sincerely, ***** ****** Office of the President Union Bank, N.A. Consumer's Final Response /* (2000, 7, 2013/09/05) */ (The consumer indicated he/she ACCEPTED the response from the business.) UNION Bank initially refused to accept the check from the Lehman settlement...they since agreed to accept the check. It has been deposited into the account where the funds were originally. While a frustrating experience for me, I'm pleased that Union Bank determined they were in error and allowed the check to be deposited.

8/19/2013 Delivery Issues | Read Complaint Details
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Complaint: Hi.My name is *************** I have notified union bank about an correctness account ending #****, this is account is paid but it's still showing upaid with (checsystem and my credit report). I have contacted them several times with no luck. I need to resolve this matter it's ruining my credit.

Desired Settlement: DesiredSettlementID: Other (requires explanation) I want them to updated the correct info asap.

Business Response: Business' Initial Response /* (1000, 5, 2013/08/16) */ Contact Name and Title: ****************, AVP Contact Phone: ********** Dear **********: Union Bank (the ''Bank'') is in receipt of the complaint you filed with the Better Business Bureau, which was received on August 6, 2013. I am responding to you on behalf of the Office of the President. Thank you for your patience while waiting for a reply. I have reviewed your concerns, and mailed you a written response via U.S. Postal Mail. Unfortunately, there appears to be a misunderstanding as to the status of the account you are questioning. As a courtesy, we have requested ChexSystems and the credit bureaus to delete our reporting with respect to this particular account from your file. The letter I mailed you contains information for your review and includes a phone number for RJM Acquisitions LLC for your follow-up. If you have any questions regarding my letter to you, please call me at (***) ********. Sincerely, **************** ************************ Office of the President/Customer Care Consumer's Final Response /* (2000, 7, 2013/08/19) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept the response, thank you.


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