ComplaintsforAmerican Savings Bank

• Initial Complaint

  09/15/2022

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  Today, on September 14, 2022, I went into the beretania branch of American Savings bank as I regularly do, to deposit a check for a job I did. I am a freelance *********, and get lots of checks around $1000-$1500. So I went into the bank with a check that had my first and last name and my nickname ("****") written for the name. I have been called **** since I was around 6, so this isn't something new or different for me- business as usual. Historically speaking, when I have taken a check written in that fashion to the American Savings bank on ********* they have never mentioned anything about the name, so today I was surprised to be told by the teller that the teller would not deposit my check because the nickname was on the check. I explained that this is very surprising to me, as they have deposited at least 40 checks written in that fashion. The teller stood her ground even when I pointed out the historical instances that they had deposited these types of checks. I have never had this issue before. Needless to say I was frustrated, especially by the fact that the teller was not telling me she wouldn't deposit the check, she just fiddled around on the computer until I finally asked her if there was a problem, and when she said that she wouldn't deposit the check, we had a bit of back and forth about the many times they HAD deposited checks like this. I called **************** and they basically pawned me back off on the branch I was complaining about, which was not the way that should have gone.Yes I got frustrated and raised my voice. Because it is extremely frustrating to try and decipher out your company policies as they pertain to me (the customer who banks with you) when you then tell me that ateller can arbitrarily pick and choose what policies they enforce or do not enforce. I am constrained by word-count. It is confusing to have rules which are arbitrarily enforced on a customer by customer basis. If she enforced that on me and not the next guy, why?

  

  Business response

  09/23/2022

  Friday, September 23, 2022
  
  Better Business Bureau
  12639 *************. Ste 200
  *****,** *****
  
  RE:CASE# ******** *********************
  
  Gentlemen and Ladies:
  
  This is in response to the complaint filed by ********************* on September 15, 2022,to the Better Business Bureau.  A review of this complaint revealed that the bank did not deposit the check because it was written to an unknown person not associated with the account.  Indeed, there was no indication in our system that the complainant, *********************, goes by the name of ****.  Furthermore, the bank conducted a review of his deposits made this year, and found no checks deposited to his alleged nickname.  Haw. Rev. ***** 490:3-109(b) states:
  
  490:3-109 Payable to bearer or to order.  (a)  A promise or order is "payable to bearer" if it:
      (1)  States that it is payable to bearer or to the order of bearer or otherwise indicates that the person in possession of the promise or order is entitled to payment;
      (2)  Does not state a payee; or
      (3)  States that it is payable to or to the order of cash or otherwise indicates that it is not payable to an identified person.
      (b)  A promise or order that is not payable to bearer is "payable to order" if it is payable (i) to the order of an identified person or (ii)to an identified person or order.  A promise or order that is payable to order is payable to the identified person.
      (c)  An instrument payable to bearer may become payable to an identified person if it is specially indorsed pursuant to section 490:3-205(a).  An instrument payable to an identified person may become payable to bearer if it is indorsed in blank pursuant to section 490:3-205(b). [L ****, c 118, pt of 1]
  
  Accordingly the bank did not proceed with depositing the check, and instead provided options on how he could negotiate it.  The complainant responded with inappropriate behavior and threatened our staff with physical violence.  The bank values the safety of our teammates and have decided it was best we part ways.
  

  Regards,

  ********** - Retail Admin

  Customer response

  09/24/2022

   
  Complaint: 18028790
  
  I am rejecting this response because: Your bank manager told me that he pulled up a check with my nickname on it in the first five checks he pulled up. I'm sorry that corporate forces you to lie to defend yourself. My hair is not blue anymore- will you deposit my check now?
  
  Sincerely,
  
  *********************

• Initial Complaint

  07/02/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Fraud has been happening on my business bank account since June 27 I reported it to the bank they canceled the card that was having fraud charges and the following day the 28 I had the same charge again from hello mobi for $839. And the bank passed it threw when there was no debit card on my account then another charge on the ************************************************ the account was being put on a freeze no one will be able to take out money and then on the July 1 another $839 and everyday I go in and make a complaint the bank takes the charge off my statement like wiping it clean like it never happened but I have pictures of my account and the charges. And as of today they tell me my account is now over drawn $839 and they are ant me to bring it up to par if not they will start charging me a daily fee. Something is not right in that bank and I need to get the word out .. help me please I have lost a lot of money due to this bank. I dont know where to turn.

  

  Business response

  07/12/2022

  Monday, July 11, 2022
  Better Business Bureau
  12639 *************. Ste 200
  *****, ** *****
  RE: CASE# ******** *****************************
  Gentlemen and Ladies:
  This is in response to the complaint filed by ***************************** on July 2, 2022, to the Better
  Business Bureau.
  The subject transaction from HELLO MOBILE TEL for the amount of $839.90 was preauthorized
  on a business debit card before it was restricted/ closed.
  6/27 /2022
  o 5: 44AM: ************ Tel preauthorized the card for $839.90 and shortly reversed the
  transaction
  o 5:45 AM: ************ Tel placed another preauthorization
  o 6:06 AM: JHGG preauthorized the card for $0.18 and triggered a Fraud Alert to the
  complainant. As a result the card was placed on a temporary restriction.
  o 6:11 AM: ********** Perfu for $271.96 preauthorized the card, transaction was denied
  due to restricted card.
  o 7:25 AM: Complainant confirmed the fraud and business debit card was permanently
  closed.
  o 8:00 AM: Complainant filed a dispute against ************ Tel in the amount of
  $839.90 and JHGGfor $0.18. Per customers request, ASB did not order a new debit
  card.
  6/29/2022
  o ************ Tel preauthorization (placed prior to the restriction) permanently posted
  to the account in the amount of $839.90.
  As of date, Customer has not been charged the $0.18 from JHGG. The subject card is associated
  with a Business Account, ******************** LLC and therefore not covered under Regulation E.
  However, American Savings Bank will be crediting the customer $839.90. Please expect the final
  credit letter in **** business day.s
  

• Initial Complaint

  04/18/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  American saving bank received 2 payments $1,721.59 each from me on February 28 and March 29 2022. Those checks were mistakenly mailed out from my Fidelity account. I paid off my mortgage on January 31 2022 and no further payments were necessary. I called American *********** to refund those money on April 18 2022. They told me that they had already mailed 2 cashier's checks to ************************************************, however, I did not received those checks. They confirmed me that those checks were not cashed but they refused to refund me those money.

  

  Business response

  04/28/2022

  Hi 
  
  I need to make an amendment to my resolution submitted for *********************** 17061363. . I attached the updated Response to send complainant. 
  
  Only change is the name of the form : Affidavit for Lost, Destroyed or Stolen Cashiers Check..
  

  

  Business response

  04/28/2022

  Gentlemen and Ladies:
  This is in response to the complaint filed by ************************* on April 18, 2022, to the Better Business Bureau. It is our understanding that two checks were sent to American Savings Bank because you did not cancel an autopay with a third party.
  Per your 4/18 conversation with our rep. *** first check was returned and mailed to the address per your instructions. Your second check can also be remitted in similar fashion if returned.
  In addition, you can also make arrangements at any ASB Branch to cancel the affected check and execute a notarized Affidavit of Forgery, Alteration or Improper Endorsement.
  Best Regards,
  *******************
  Consumer Banking *****************************************

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩