1). *** OFFICIAL PUBLIC NOTICE *** 1.1). Complaint: Consumer Financial Protection Bureau consumerfinance.

Size: px
Start display at page:

Download "1). *** OFFICIAL PUBLIC NOTICE *** 1.1). Complaint: Consumer Financial Protection Bureau consumerfinance."

Transcription

1 1). *** OFFICIAL PUBLIC NOTICE *** 1.1). Complaint: Consumer Financial Protection Bureau consumerfinance.gov (855) www-scannedretina.com - 1 of 17 - arnie@arnierosner.com

2 2) Open Submitted Status Submitted to the CFPB on 10/29/2018 Product Checking or savings account Issue Problem with a lender or other company charging your account We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically: Send your complaint to the company for a response; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office; or Let you know if we need more information to continue our work. www-scannedretina.com - 2 of 17 - arnie@arnierosner.com

3 3). YOUR COMPLAINT YOUR COMPLAINT MUFG operating as UNION BANK has engaged in A. criminal misrepresentation across state lines, B. Made false statements, C. Committed identity theft, D. violated privacy, laws, E. violated social security NUMBER use laws, F. breached fiduciary agreements and responsibilities and G. unlawfully converted personal assets of an 80 year old account holder who has been an account holder for close to 50 years.. First fake claim was in the form of a levy. No chargeable documents furnished - when the fake claim was challenged A second equally fake claim was made in the form of a garnishment - again no legitimate chargeable documents were provided. www-scannedretina.com - 3 of 17 - arnie@arnierosner.com

4 4). YOUR COMPLAINT-1 UNION BANK FOUNTAIN VALLEY 0736 PO BOX LOS ANGELES CA NANCY ROSNER ARNOLD ROSNER 8905 RHINE RIVER AVE FOUNTAIN VALLEY CA Statement Number: /15/18-10/15/18 Thank you for banking with us since 1975 This is an unauthorized transaction - No details of this transaction have been provided. Date - Description/Location - Reference - Amount 9/17 LEGAL PROCESS $ 7, www-scannedretina.com - 4 of 17 - arnie@arnierosner.com

5 5). VP Customer Relations - UNION BANK Arnie Rosner 8905 Rhine River Avenue Fountain Valley, California [ ] October 14, 2018 Regarding: what appears to be the deliberate intent of UNION BANK to commit a series of criminal acts My Dear Mr. Romero, Thank you for your courtesy in documenting our recent conversation in response to my series of notices and complaints, offered in good faith, through various channels provided by UNION BANK. I also may take you up on your offer to provide you an additional opportunity to review this matter in greater detail in the very near future. With no expertise in matters of the law, I can only render my opinions regarding the circumstances I am observing. Just as an 82 year old senior and an American sovereign, even from my uneducated perspective, and just as a reasonable man, the process in which UNION BANK is threatening to impose would seem to be a separate criminal act perpetrated, in this case, exclusively by UNION BANK. The criminal fraud of the FTB has already been properly documented and publicly noticed. So the encouragement by ALL UNION BANK staff, including in your letter, to which I am responding, Mr. Romero, intending to encourage me to contact the FTB would constitute a criminal act in itself. As, Adolfo, your own member of the Legal Process department admitted, such a contact is standard practice in such matters where the ignorance of the victim is exploited. It is well known by experienced people in these matters where such a contact initiated by the victim could be construed to become a hidden contract. A adhesion contract, I believe it is called, which could be used by the criminal enterprise to make additional false and misleading claims. So, Mr. Romero, on that basis alone your repeated efforts to convince me to contact the agency operating in dishonor, reveals to me the complicity of UNION BANK and the possible conspiracy along with the rest of the criminal abuses, to which I will provide more details further along in this matter to give false recognition to the criminal enterprise functioning in dishonor. Now I have repeatedly provided, the BANK, in good faith, a means by which this matter may be easily and fairly resolved. However UNION BANK continues to operate in denial and leaves me with the impression that the agents employed by this internationally controlled enterprise, with whom I have interfaced, are operating with unclean hands. So permit me to take this one last opportunity to express this caution, Mr. Romero This response strongly urges UNION BANK to reconsider implementing the actions described in your letter. I repeat for clarity I strongly urge UNION BANK and all individuals related to participating in what I must conclude is the aiding and abetting in these pending acts of fraud to proceed with extreme caution. Once the line has been crossed and UNION BANK disburses www-scannedretina.com - 5 of 17 - arnie@arnierosner.com

6 the current funds on hold, funds placed in the care of UNION BANK, for safe keeping As I see the matter UNION BANK becomes part of the conspiracy to commit fraud. Most Cordially, Arnie Beryl Rosner A sovereign American, A Californian And a State National. My authority is vested in me by my creator and confirmed by Mr. Donald J. Trump. ***GLOBAL NOTICE*** Highest Administrative Authority in America Recognizes We the People, are Sovereign! www-scannedretina.com - 6 of 17 - arnie@arnierosner.com

7 6). Attachments Attachments 1) UNION BANK COMPLAINT ACKNOWLEDGMENT.pdf (55.7 KB) 2) UNION BANK - NOTICE OF GARNISHMENT 2018_10_20_03_14_15.pdf (341.6 KB) 3) MUFG- UNION BANK - NOTICE OF LEVY 2018_10_29_06_53_06.pdf (860.5 KB) 4) Union Bank attention - Directors.pdf (1.2 MB) 5) UBM pdf (7.5 MB) 6) According to the representative of the office of the president.pdf (152.1 KB) 7) UNION BANK - ATTN CEO - Stephen Cummings.pdf (52 KB) 8) According to the representative of the office of the president.pdf (152.1 KB) 9) UNION BANK SEP 18.pdf (17.1 KB) 10) Union Bank Branch - Manager Company Officer Hieu T. Le 2018_10_07_01_06_51.pdf (26.3 KB) 11) UNION BANK BRANCH MANAGER your position please.pdf (38.3 KB) www-scannedretina.com - 7 of 17 - arnie@arnierosner.com

8 7). PRODUCT OR SERVICE What product or service is your complaint about? PRODUCT OR SERVICE Checking or savings account TYPE Checking account What type of problem are you having? Issue Problem with a lender or other company charging your account Have you already tried to fix this problem with the company? Yes www-scannedretina.com - 8 of 17 - arnie@arnierosner.com

9 8). What happened? What happened? MUFG operating as UNION BANK has engaged in criminal misrepresentation across state lines,. Made false statements, Committed identity theft, violated privacy, laws, violated social security NUMBER use laws, breached fiduciary agreements and responsibilities and unlawfully converted personal assets of an 80 year old account holder who has been an account holder for close to 50 years.. First fake claim was in the form of a levy. No chargeable documents furnished - when the fake claim was challenged A second equally fake claim was made in the form of a garnishment - again no legitimate chargeable documents were provided. www-scannedretina.com - 9 of 17 - arnie@arnierosner.com

10 9). What would be a fair resolution to this issue? What would be a fair resolution to this issue? A fair offer was suggested to resolve this matter but officials refused. At this point - in addition to the return of the funds and fees, additional compensation to go to the extent to seek remedy for these deliberate and premeditated criminal abuses. But more importantly --- Revoking the charter of MUFG in any form and all associations to conduct any type of business in America - Not to be confused with the UNITED STATES OF AMERICA, INC. And them filing criminal charges against all individual employees who were given notice and deliberately decided to participate anyhow in these acts of fraud, in their own private capacities. Making dishonorable choices is voluntary. Options offered to resolve this matter: This matter was created by mistake The funds will be returned to the lawful owners of the account involved. All related fees and other expenses with be credited back to the owners of the account. All related account information must be scrubbed from the existing relational databases, except where expressly authorized by the owners of the accounts. Union Bank must file a public notice recognizing the fraudulent misrepresented claims of the CALIFORNIA FRANCHISE TAX BOARD and their status of dishonor. No negative impact will be recorded, communicated or transmitted in any form, to any parties, regardless of affiliations. No negative impact will be recorded, communicated or transmitted in any form or to be posted to any credit records or references to credit worthiness. www-scannedretina.com - 10 of 17 - arnie@arnierosner.com

11 10). What company is this complaint about? What company is this complaint about? Company Information MUFG UNION BANK, NATIONAL ASSOCIATION Account number Billing address FOUNTAIN VALLEY, CA United States www-scannedretina.com - 11 of 17 - arnie@arnierosner.com

12 11). What people are involved? What people are involved? Your contact information Arnie Beryl Rosner Rhine River Avenue fountain valley, California United States Additional person's information Nancy NMI Rosner Joint account holder Rhine River Avenue Fountain Valley, California United States Allow this person access to the complaint? Yes www-scannedretina.com - 12 of 17 - arnie@arnierosner.com

13 12). Sent to company Sent to company Status Sent to company on 10/29/2018 We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint. Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. Privacy Act Statement OMB # Have a question? Preguntas? (855) An official website of the United States Government www-scannedretina.com - 13 of 17 - arnie@arnierosner.com

14 13). REFERENCE: www-scannedretina.com - 14 of 17 - arnie@arnierosner.com

15 13.1). Oct 31, 2018, at 5:20 PM, Hieu Le On Oct 31, 2018, at 5:20 PM, Hieu Le wrote: Dear Mr. Rosner, The bank has already addressed this matter and referred you to the Franchise Tax Board to resolve your concerns. Going forward, we will not respond to your s on this closed matter. Sincerely, Union Bank From: Arnie Rosner Sent: Friday, October 26, :14 PM To: Hieu Le Hieu Le Subject: Greetings Mr. Le, Have you a response for me as specified per my demand message? Please advise? arnie arnie@arnierosner.com /7 scannedretina.com From: "Arnie Rosner" To: Hieu.Le@unionbank.com Subject: PROOF OF SERVICE: Successful transmission to Re: ***NOTICE: possible criminal intent of acts of fraud being perpetrated against UNION BANK ACCOUNT HOLDER Date: :21:19 UNION BANK - Directors and Agents You have been noticed of possible criminal activities. Please review the matter and respond as appropriate. Take proper actions as required to meet all fiduciary obligations to account holders. Prior notifications have been submitted and documented and are included in this notice. Protected: UBM Password: 4770 A response is required by October 26, 2018 by the end of business. www-scannedretina.com - 15 of 17 - arnie@arnierosner.com

16 Failure to respond or a late response will be considered as admission to the the charges described in this complaint. arnie arnie@arnierosner.com /7 scannedretina.com www-scannedretina.com - 16 of 17 - arnie@arnierosner.com

17 13.2). Arnie Rosner - UNION BANK IN DEFAULT - ADMITS GUILT www-scannedretina.com - 17 of 17 - arnie@arnierosner.com

08sep tax-audit-follow-upattachment

08sep tax-audit-follow-upattachment Arnold Beryl Rosner - Nancy Rosner 8905 Rhine River Avenue Fountain Valley, California, [92708-5607] 714-964-4056 Regarding: SE:S:E:SW:LA:5 Dear Mr. McMullan, In your role as a public servant, permit me

More information

You wrote in response to FTB 4963 BV2, Income Tax Due Notice, dated You are disputing the amount of tax we say you owe.

You wrote in response to FTB 4963 BV2, Income Tax Due Notice, dated You are disputing the amount of tax we say you owe. STATE OF CALIFORNIA Franchise Tax Board EXECUTIVE AND ADVOCATE SERVICES MS A381 PO BOX 157 RANCHO CORDOVA CA 95741-0157 06.15.2018 Arnold R Rosner 8905 Rhine River Ave Fountain Valley CA 92708-5607 Dear

More information

Having a Problem with a Debt Collector? You Also Have Protections

Having a Problem with a Debt Collector? You Also Have Protections DEALING WITH DEBT Having a Problem with a Debt Collector? You Also Have Protections Debt collection problems are among the most common complaints received by the FDIC and the Consumer Financial Protection

More information

PRICING INFORMATION (As of September 30, 2017)

PRICING INFORMATION (As of September 30, 2017) Visa Platinum Credit Card PRICING INFORMATION (As of September 30, 2017) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 15.00% APR for Cash Advances Paying Interest 16.00%

More information

CANADA GOOSE HOLDINGS INC.

CANADA GOOSE HOLDINGS INC. CANADA GOOSE HOLDINGS INC. WHISTLEBLOWER POLICY CP08 02 18 CP08 02 18 Page 1 of 10 CANADA GOOSE HOLDINGS INC. WHISTLEBLOWER POLICY 1. PURPOSE CP08 02 18 This Whistleblower Policy (the Policy ) sets out

More information

APPROVED ATTORNEY APPLICATION (North Carolina)

APPROVED ATTORNEY APPLICATION (North Carolina) APPROVED ATTORNEY APPLICATION (North Carolina) PERSONAL ATTORNEY S FULL NAME: LAW FIRM NAME: Firm Size: Sole Practitioner: 2-9 Attorneys 10 or More Attorneys Firm status (Check one): Partner Associate

More information

Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018)

Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Visa Platinum Credit Card (With City National Rewards ) PRICING INFORMATION (As of March 1, 2018) 16.00% to 18.00% This APR

More information

Consumer Federation of America Best Practices for Identity Theft Services. March 10, 2011

Consumer Federation of America Best Practices for Identity Theft Services. March 10, 2011 Consumer Federation of America Best Practices for Identity Theft Services March 10, 2011 Consumer Federation of America Best Practices for Identity Theft Services Table of Contents Introduction 3 About

More information

$ Fountain Valley, CA Same Day Process Service 1413 K Street, NW, 7th Floor. Washington, DC 20005

$ Fountain Valley, CA Same Day Process Service 1413 K Street, NW, 7th Floor. Washington, DC 20005 Same Day Process Service 1413 K Street, NW, 7th Floor Washington, DC 20005 i $000.67 Arnie Rosner 8 9 0 5 R h i n e R i v e r A v e n u e Fountain Valley, CA92708-5607 0 2 " 7 O B - 5 & O " 7 ' O 5 \>V

More information

Accident Medical Claim Form

Accident Medical Claim Form 137 Main Street Dubuque, IA Accident Medical Claim Form Please read and follow these instructions should there be a need to file a claim for a covered accident. Your policy says you must notify us of your

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet Revised April 2010 Identity Theft Victim s Packet Information and Instructions This packet is to be completed once you have contacted the El Paso County Sheriff s Office and obtained a police report number

More information

Visa Signature Credit Card With City National Rewards. PRICING INFORMATION (As of December 31, 2017)

Visa Signature Credit Card With City National Rewards. PRICING INFORMATION (As of December 31, 2017) Visa Signature Credit Card With City National Rewards PRICING INFORMATION (As of December 31, 2017) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 12.00% APR for Cash Advances

More information

Identity Theft Victim s Packet

Identity Theft Victim s Packet Identity Theft Victim s Packet Information and Instructions This packet is to be completed once you have contacted Reno Police Department, complete a crime report and obtained a police report case number

More information

CFPB Consumer Laws and Regulations

CFPB Consumer Laws and Regulations Fair Debt Collection Practices Act 1 The Fair Debt Collection Practices Act ()(15 U.S.C. 1692 et seq.), which became effective March 20, 1978, was designed to eliminate abusive, deceptive, and unfair debt

More information

IDENTITY THEFT REPORTING

IDENTITY THEFT REPORTING Davis Police Department 2600 Fifth Street - Davis, California 95618-7718 Business: (530) 747-5400 - Fax: (530) 757-7102 - TDD: (530) 757-5666 Administration: (530) 747-5405 - Investigations: (530) 747-5430

More information

NAU Police Department s Identity Theft Victim s Packet

NAU Police Department s Identity Theft Victim s Packet NAU Police Department s Identity Theft Victim s Packet Information and Instructions This packet should be completed once you have contacted the NAU Police Department and obtained a police report number

More information

Texas State Statutes Regulating Debt Collection / Debt Collectors FINANCE CODE: CHAPTER 392. DEBT COLLECTION

Texas State Statutes Regulating Debt Collection / Debt Collectors FINANCE CODE: CHAPTER 392. DEBT COLLECTION Texas State Statutes Regulating Debt Collection / Debt Collectors FINANCE CODE: CHAPTER 392. DEBT COLLECTION SUBCHAPTER A. GENERAL PROVISIONS 392.001. DEFINITIONS. In this chapter: (1) "Consumer" means

More information

1120 Connecticut Avenue, NW Washington, DC BANKERS John J. Byrne

1120 Connecticut Avenue, NW Washington, DC BANKERS  John J. Byrne 1120 Connecticut Avenue, NW Washington, DC 20036 1-800-BANKERS www.aba.com World-Class Solutions, Leadership & Advocacy Since 1875 January 23, 2003 John J. Byrne Senior Counsel and Compliance Manager Government

More information

Business Credit Card Agreement TD Bank VISA Business Card

Business Credit Card Agreement TD Bank VISA Business Card 1 Business Credit Card Agreement TD Bank VISA Business Card 1. INTRODUCTION. Your TD Bank VISA Card account ( Account ) is subject to this Business Credit Card Agreement, including the Interest Rate and

More information

Electronic Funds Transfer - Your Rights and Responsibilities ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

Electronic Funds Transfer - Your Rights and Responsibilities ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Marblehead Bank 21 Atlantic Avenue - 1 Humphrey Street Marblehead MA 01945 100 Cummings Center - Suite 101-F Beverly MA 01915 781-631-5500 customercare@marblebank.com marblebank.com Electronic Funds Transfer

More information

PRICING INFORMATION (As of September 30, 2017)

PRICING INFORMATION (As of September 30, 2017) Crystal Visa Infinite Credit Card PRICING INFORMATION (As of September 30, 2017) Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.00% APR for Cash Advances 12.00% Paying

More information

PERSONAL ONLINE BANKING AGREEMENT AND DISCLOSURE

PERSONAL ONLINE BANKING AGREEMENT AND DISCLOSURE PERSONAL ONLINE BANKING AGREEMENT AND DISCLOSURE Accounts and Services This Personal Online Banking Agreement and Disclosure ( Agreement ) between you and First National Bank of Northern California governs

More information

Credit Card Agreement

Credit Card Agreement 2 single number (for example, 1111 ) or consecutive numbers. PINs should also not be based on or include your birth date, zip code or Account number. Do not write your PIN on your Card and do not keep

More information

Fay Servicing, LLC 901 S. 2 nd St., Suite 201 Springfield, IL 62704

Fay Servicing, LLC 901 S. 2 nd St., Suite 201 Springfield, IL 62704 RE: Identity Theft Claim You recently notified Fay Servicing, LLC that you are the victim of identity theft with respect to the above referenced loan (also referred to in this notice as the debt or account

More information

CENTURYLINK ELECTRONIC AND ONLINE PAYMENT TERMS AND CONDITIONS

CENTURYLINK ELECTRONIC AND ONLINE PAYMENT TERMS AND CONDITIONS CENTURYLINK ELECTRONIC AND ONLINE PAYMENT TERMS AND CONDITIONS Effective June 1, 2014 The following terms and conditions apply to electronic and online delivery and presentation of your invoices by CenturyLink

More information

Internet Banking Agreement Muenster State Bank

Internet Banking Agreement Muenster State Bank Internet Banking Agreement Muenster State Bank This Internet Banking Agreement (this "Agreement") states the terms and conditions for Internet Banking offered by Muenster State Bank (the "Bank"). When

More information

More Than Just a DIGITAL SPRING Band-Aid CLEANING. Connie Alarcon

More Than Just a DIGITAL SPRING Band-Aid CLEANING. Connie Alarcon More Than Just a DIGITAL SPRING Band-Aid CLEANING Connie Alarcon Agenda BBB Services Complaints Check BBB Scams Health Care Fraud & Abuse Medical Identity Theft Phone Scams Better Business Bureau BBB Serving

More information

The York Water Company

The York Water Company The York Water Company Your Rights and Responsibilities as a Water or Sewer Consumer Table of Contents The Pennsylvania Public Utility Commission (PUC) prepared this guide to summarize the regulations

More information

NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET. navyfederal.org Federally insured by NCUA Navy Federal NFCU 97BD (3-16)

NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET. navyfederal.org Federally insured by NCUA Navy Federal NFCU 97BD (3-16) NAVY FEDERAL BUSINESS SERVICES DISCLOSURE BOOKLET navyfederal.org 1.888.842.6328 Federally insured by NCUA. 2016 Navy Federal NFCU 97BD (3-16) BUSINESS SAVINGS AND CHECKING ACCOUNTS Accounts held in the

More information

Florida Senate SB 1106

Florida Senate SB 1106 By Senator Flores 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 A bill to be entitled An act relating to limited purpose international trust company representative

More information

$89.00 (one-time fee). $75.00 for first year. After that, $48.00 annually.

$89.00 (one-time fee). $75.00 for first year. After that, $48.00 annually. Terms and Conditions-Website Interest Rates and Interest Charges Annual Percentage Rate 34.99% (APR) for Purchases APR for Cash Advances 34.99% How to Avoid Paying Interest on Purchases Your due date will

More information

This document is a record of the information provided in the Annual Return 2017.

This document is a record of the information provided in the Annual Return 2017. Charity Commission Charity Commission Annual Return 2017 THE BODY DYSMORPHIC DISORDER FOUNDATION Charity registration number: 1153753 30 July 2018 Deadline Most of the information you give in this form

More information

ACCIDENTAL DEATH WHOLE LIFE PROTECTOR

ACCIDENTAL DEATH WHOLE LIFE PROTECTOR ACCIDENTAL DEATH WHOLE LIFE PROTECTOR Regular Mail: United Home Life Insurance Company P.O. Box 7192 Indianapolis, IN 46207-7192 FAX Number: 317-692-7711 Telephone: 800-428-3001 # pages including cover

More information

MVFCU Online & Mobile Banking Agreement

MVFCU Online & Mobile Banking Agreement MVFCU Online & Mobile Banking Agreement This Agreement is the contract of deposit which covers your and our rights and responsibilities concerning the Online Banking, Mobile Banking and Bill Payment services

More information

REQUEST FOR HEARING. Your Name: SSN: Address: Telephone: Employer: Telephone: Beginning Date Of Current Employment:

REQUEST FOR HEARING. Your Name: SSN: Address: Telephone: Employer: Telephone: Beginning Date Of Current Employment: REQUEST FOR HEARING If you object to garnishment of your wages for the debt described in the notice, you can use this form to request a hearing. Your request must be in writing and mailed or delivered

More information

When Your Child s Identity Is Stolen

When Your Child s Identity Is Stolen When Your Child s Identity Is Stolen What is child identity theft? CONSUMER INFORMATION SHEET 3B 2/16/08 Adults are not the only targets of identity theft. In fact, children under the age of 18 can also

More information

FIRST NORTHERN BANK & TRUST ONLINE BANKING AGREEMENT

FIRST NORTHERN BANK & TRUST ONLINE BANKING AGREEMENT FIRST NORTHERN BANK & TRUST ONLINE BANKING AGREEMENT Definitions In this Agreement, the words: Authorized Account Owner means Primary Owner or Joint Owner, as applicable. Account means any Personal Checking

More information

DELAWARE RIVER JOINT TOLL BRIDGE COMMISSION Administration Building 110 Wood and Grove Street Morrisville, Pennsylvania 19067

DELAWARE RIVER JOINT TOLL BRIDGE COMMISSION Administration Building 110 Wood and Grove Street Morrisville, Pennsylvania 19067 P-255-80 July 2018 DELAWARE RIVER JOINT TOLL BRIDGE COMMISSION Administration Building 110 Wood and Grove Street Morrisville, Pennsylvania 19067 APPLICATION FOR EMPLOYMENT INSTRUCTIONS: In filling out

More information

October 10, Paul Watkins, Director, Office of Innovation Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20552

October 10, Paul Watkins, Director, Office of Innovation Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20552 Paul Watkins, Director, Office of Innovation Bureau of Consumer Financial Protection 1700 G Street NW Washington, DC 20552 RE: Policy to Encourage Trial Disclosure Programs (Docket No. CFPB-2018-0023)

More information

MICHIGAN STATE UNIVERSITY

MICHIGAN STATE UNIVERSITY MICHIGAN STATE UNIVERSITY Mr. Bob Ferguson Attorney General Office of the Attorney General 1125 Washington Street SE PO Box 40100 Olympia, WA 98504-0100 Dear Attorney General: November 18, 2016 R E ru,

More information

Community Bank of Oklahoma Online Banking Access Agreement

Community Bank of Oklahoma Online Banking Access Agreement Community Bank of Oklahoma Online Banking Access Agreement I. Introduction II. Accessing Your Community Bank of Oklahoma Accounts through online banking A. Requirements B. Electronic Mail (E-mail) C. Fees

More information

H. B. NO , HDl, SD1

H. B. NO , HDl, SD1 H. B. NO. 14-106, HDl, SD1 AN ACT To prohibit abusive collection tactics, set limits on communications about debt, describe and forbid fraudulent or misleading collection practices, and limit the types

More information

Personal Online User Agreement

Personal Online User Agreement Personal Online User Agreement Personal Online Access Agreement and Electronic Funds Transfer Disclosure (1) Agreement - This Agreement, and the Fee Schedule and Enrollment Form establish the rules that

More information

INTERNET BANKING SERVICE

INTERNET BANKING SERVICE INTERNET BANKING SERVICE Terms and Conditions These terms are effective from 29 March 2019, unless we inform you of a different date. We will write to you to confirm once they have taken effect. About

More information

FARMERS INSURANCE FEDERAL CREDIT UNION

FARMERS INSURANCE FEDERAL CREDIT UNION FARMERS INSURANCE FEDERAL CREDIT UNION ELECTRONIC SERVICES DISCLOSURE AND AGREEMENT In this Disclosure and Agreement, the words I, me, mine, my, us, and our mean each and all of those (whether one or more

More information

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE VISA GOLD/VISA CLASSIC This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening documents

More information

Candidate Disclosure, Authorization & Consent for the Procurement of Consumer Reports

Candidate Disclosure, Authorization & Consent for the Procurement of Consumer Reports Candidate Disclosure, Authorization & Consent for the Procurement of Consumer Reports Section I: Disclosure (the Company ) may request background information about you from a consumer reporting agency

More information

AUTHORIZATION AND PAYMENT

AUTHORIZATION AND PAYMENT In this Choice Rewards World MasterCard Card ( Agreement and Disclosure Statement ) the words: I, me, my and mine mean any and all of those who apply for or use the First Technology Federal Credit Union

More information

Violation # Statute Violation Description Summary 1st Occurrence 2nd Occurrence 3rd & Subsequent Occurrences. Fine: C Revocation. Fine: C Revocation

Violation # Statute Violation Description Summary 1st Occurrence 2nd Occurrence 3rd & Subsequent Occurrences. Fine: C Revocation. Fine: C Revocation Violation # Statute Violation Description Summary 1st Occurrence 2nd Occurrence 3rd & Subsequent Occurrences (1) 559.5551(1) Failure to report to the Office a conviction of, or plea of nolo contendere

More information

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE VISA SIGNATURE (NON-VARIABLE) VISA PLATINUM (NON-VARIABLE) SHARE SECURED VISA CLASSIC (FIXED) This Consumer Credit Card Agreement and Disclosure together with

More information

FTC FACTS for Consumers

FTC FACTS for Consumers ftc.gov FEDERAL TRADE COMMISSION FOR THE CONSUMER 1-877-FTC-HELP FTC FACTS for Consumers Fair Credit Billing H ave you ever been billed for merchandise you returned or never received? Has your credit card

More information

Online and Electronic Banking Services Agreement

Online and Electronic Banking Services Agreement Online and Electronic Banking Services Agreement January 14, 2015 In this Agreement, the words "you" or "your" mean the member or business that has enrolled in Evergreen Credit Union's Online and Electronic

More information

opening.* The APR will vary with the market based on the Prime Rate.

opening.* The APR will vary with the market based on the Prime Rate. VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT M-120639 (01/19) TINKER FEDERAL CREDIT UNION - VISA SIGNATURE Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases

More information

UnitedHealthcare Insurance Company. Group Policy

UnitedHealthcare Insurance Company. Group Policy UnitedHealthcare Insurance Company Group Policy For Tulane University Enrolling Group Number: 752397 Policy Effective Date: January 1, 2015 UnitedHealthcare Insurance Company 185 Asylum Street Hartford,

More information

3.99% introductory rate on purchases for 6 months from date of account opening.

3.99% introductory rate on purchases for 6 months from date of account opening. M-122938 (04/18) PRIME PLUS CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION PRIME PLUS Interest Rates and Interest Charges ANNUAL PERCENTAGE 3.99% introductory rate on purchases

More information

EXTERNAL FUNDS TRANSFER DISCLOSURE

EXTERNAL FUNDS TRANSFER DISCLOSURE In this Disclosure and Agreement, the words "you" and "your" mean the member or Joint Owners that applied for and/or uses any of the External Linked/Accounts Funds Transfer Services (the "Services") described

More information

Cardholder Agreement. Effective 10/1/17

Cardholder Agreement. Effective 10/1/17 Cardholder Agreement INTRODUCTION: In this document, the term Agreement means this Cardholder Agreement and the disclosures found in our Important Cost Information about our Credit Card insert that is

More information

VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT

VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT VISA SIGNATURE CARDHOLDER - AGREEMENT AND DISCLOSURE STATEMENT M-120639 (02/18) TINKER FEDERAL CREDIT UNION - VISA SIGNATURE Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases

More information

Intermediary Registration

Intermediary Registration Intermediary Registration Please complete this form in full and email back to us. Firm or Network Name Contact Email FCA Number Contact Name Name of Professional Indemnity Insurance Provider Professional

More information

GOLD MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT

GOLD MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT M-122375 (10/17) GOLD MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION GOLD MASTERCARD Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases

More information

TINKER FEDERAL CREDIT UNION VISA

TINKER FEDERAL CREDIT UNION VISA Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases APR for Balance Transfers M-121806 (01/19) VISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT TINKER FEDERAL CREDIT UNION

More information

APGFCU Cash Back Credit Card Disclosure Statement and Agreement

APGFCU Cash Back Credit Card Disclosure Statement and Agreement APGFCU Cash Back Credit Card Disclosure Statement and Agreement In this Agreement the words you and your mean each and all of those who apply for the card or use the card. Card means the Cash Back Visa

More information

INSTRUCTIONS FOR FILING GROUP VOLUNTARY STD / LTD / WAIVER OF PREMIUM CLAIMS

INSTRUCTIONS FOR FILING GROUP VOLUNTARY STD / LTD / WAIVER OF PREMIUM CLAIMS CLAIM FORM AND INSTRUCTIONS If you have any questions regarding our determination of your claim, or if you would like to appeal any determination, please contact our Customer Care Center at 1-800-348-4489

More information

AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS

AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS AMERICAN EXPRESS CHARGE CARDS TERMS & CONDITIONS American Express Charge Cards THE PARTIES TO THE AGREEMENT The parties to this Cardmember Agreement (the "Agreement") are AMEX (Middle East) B.S.C. (c)

More information

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE MASTERCARD PLATINUM REWARDS, MASTERCARD CLASSIC, MASTERCARD SHARE SECURED, MASTERCARD INDEPENDENT ADVANTAGE This Consumer Credit Card Agreement and Disclosure

More information

The APR will vary with the market based on the Prime Rate. Option A

The APR will vary with the market based on the Prime Rate. Option A VISA/MASTERCARD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT M-122374 (10/17) TINKER FEDERAL CREDIT UNION VISA/MASTERCARD Interest Rates and Interest Charges ANNUAL PERCENTAGE RATE (APR) for Purchases

More information

Main Street Bank EXTERNAL FUNDS TRANSFER AGREEMENT

Main Street Bank EXTERNAL FUNDS TRANSFER AGREEMENT Main Street Bank EXTERNAL FUNDS TRANSFER AGREEMENT ACCEPTANCE OF TERMS This Agreement sets out the terms and conditions (Terms) upon which Main Street Bank (Bank) will provide the ability to perform external

More information

Enclosed is a False Certification (Ability to Benefit) Loan Discharge Application. Please read all the instructions before completing the form.

Enclosed is a False Certification (Ability to Benefit) Loan Discharge Application. Please read all the instructions before completing the form. Conduent Education Services P.O. Box 7051 Utica, NY 13504-7051 800.835.4611 www.conduenteducation.com Enclosed is a False Certification (Ability to Benefit) Loan Discharge Application. Please read all

More information

FIDUCIARY LIABILITY SOLUTIONS Application for Insurance Renewal Business NOTICE. I. General Information

FIDUCIARY LIABILITY SOLUTIONS Application for Insurance Renewal Business NOTICE. I. General Information NOTICE THE POLICY YOU ARE APPLYING FOR APPLIES ONLY TO ANY CLAIM FIRST MADE DURING THE POLICY PERIOD AND REPORTED TO THE COMPANY DURING THE POLICY PERIOD OR REPORTED WITHIN ANY APPLICABLE EXTENDED REPORTING

More information

DECISION. 1 The complainant, Mrs MM, first made a complaint to the TCO Tolling Customer Ombudsman (TCO) on 29 July 2016, as follows: 1

DECISION. 1 The complainant, Mrs MM, first made a complaint to the TCO Tolling Customer Ombudsman (TCO) on 29 July 2016, as follows: 1 DECISION Background 1 The complainant, Mrs MM, first made a complaint to the TCO Tolling Customer Ombudsman (TCO) on 29 July 2016, as follows: 1 Please give details of your complaint I received a $7300

More information

Monthly Net Income From All Sources

Monthly Net Income From All Sources APPLICATION AND CREDIT CARD ACCOUNT AGREEMENT A credit service of GE Capital Retail Bank ** MARRIED WI Residents only: If you are applying for an individual account and your spouse also is a WI resident,

More information

Claim Form. What to Know About Filing Your Claim

Claim Form. What to Know About Filing Your Claim Corporate Office: Omaha, NE Administrative Services: PO Box 10464 Des Moines, IA 50306 137 Main Street Dubuque, IA 52001 Toll Free 855.637.6930 Claim Form What to Know About Filing Your Claim You can avoid

More information

CALIFORNIA SERVICE GUIDE

CALIFORNIA SERVICE GUIDE NEXTG NETWORKS OF CALIFORNIA, INC. CALIFORNIA SERVICE GUIDE NextG Networks of California, Inc. 2216 O Toole Avenue San Jose, CA 95131 TABLE OF CONTENTS Subject Page No. TITLE SHEET...Title PRELIMINARY

More information

Truliant Federal Credit Union VISA PLATINUM 9.9% None. None $ None

Truliant Federal Credit Union VISA PLATINUM 9.9% None. None $ None Truliant Federal Credit Union VISA PLATINUM G-17242 VISA PLATINUM FIXED RATE Account Opening Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases, Balance Transfers,

More information

CONTRACTORS AND SUBCONTRACTORS PRE-QUALIFICATION APPLICATION for MEASURE M BOND PROJECTS

CONTRACTORS AND SUBCONTRACTORS PRE-QUALIFICATION APPLICATION for MEASURE M BOND PROJECTS CONTRACTORS AND SUBCONTRACTORS PRE-QUALIFICATION APPLICATION for MEASURE M BOND PROJECTS Hollister School District will be soliciting bids for reconstruction and new construction on Measure M Bond Projects.

More information

Description of Benefits for Family-IDprotect. Complete Management of Your Identity Recovery Case

Description of Benefits for Family-IDprotect. Complete Management of Your Identity Recovery Case IMPORTANT: This complimentary membership in Family-IDprotect is provided to you by one of our participating Merchants, Lenders and Associations. Coverage is provided at no cost to you in consideration

More information

BORROWER DISCLOSURES and PRIVACY POLICY

BORROWER DISCLOSURES and PRIVACY POLICY BORROWER DISCLOSURES and PRIVACY POLICY BORROWER CERTIFICATION AND AUTHORIZATION The undersigned certify the following: I/We have applied for a mortgage loan from In applying for the loan, I/We completed

More information

Service Definitions "Business Day" is every Monday through Friday, Eastern Time, excluding Federal Reserve Bank holidays.

Service Definitions Business Day is every Monday through Friday, Eastern Time, excluding Federal Reserve Bank holidays. 06/19/2018 Terms and Conditions Mobile Deposit Terms and Conditions Mobile Deposit This Mobile Check Deposit User Agreement (Agreement) contains the terms and conditions for the use of Clarion Federal

More information

SAVE MY BACON LOAN AGREEMENT AND DISCLOSURE STATEMENT MINI-LOAN

SAVE MY BACON LOAN AGREEMENT AND DISCLOSURE STATEMENT MINI-LOAN SAVE MY BACON LOAN AGREEMENT AND DISCLOSURE STATEMENT MINI-LOAN IMPORTANT INFORMATION: A. This document is Your loan agreement (the Agreement) with Save My Bacon Limited and incorporates the disclosure

More information

Notice of Privacy Practices

Notice of Privacy Practices A message from AltaMed Health Services Corporation THIS NOTICE DESCRIBES HOW MEDICAL INFORMATION ABOUT YOU MAY BE USED AND DISCLOSED AND HOW YOU CAN GET ACCESS TO THIS INFORMATION. PLEASE REVIEW IT CAREFULLY.

More information

ACCOUNT SUMMARY TABLE

ACCOUNT SUMMARY TABLE Interest Rates and Interest Charges ACCOUNT SUMMARY TABLE Annual Percentage Rate (APR) 28.99% for Purchases Penalty APR and When it Applies 28.99% This APR may be applied to your account if a minimum payment

More information

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE

CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE CONSUMER CREDIT CARD AGREEMENT AND DISCLOSURE VISA SIGNATURE CONNECT REWARDS/CONNECT This Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account

More information

February 24, Mr. Timothy Sloan, Chief Executive Officer Wells Fargo 420 Montgomery Street San Francisco, CA Dear Mr.

February 24, Mr. Timothy Sloan, Chief Executive Officer Wells Fargo 420 Montgomery Street San Francisco, CA Dear Mr. Alliance of Californians for Community Empowerment Consumer Action Consumer Federation of California Consumers for Auto Reliability and Safety (CARS) Foundation Courage Campaign ForgoWells Homeowners Against

More information

USAACE & Fort Rucker Preventative Law Program. Debt Collection

USAACE & Fort Rucker Preventative Law Program. Debt Collection USAACE & Fort Rucker Preventative Law Program Debt Collection THIS PAMPHLET contains basic information on this particular legal topic for your general information. If you have specific questions, contact

More information

Business Savings Account Terms and Conditions. Introduction. Your responsibilities. Communicating with us

Business Savings Account Terms and Conditions. Introduction. Your responsibilities. Communicating with us Business Savings Account Terms and Conditions This document reflects the terms and conditions applicable to our Business Savings Account. Together with your Application, and our Product Documentation,

More information

Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due.

Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity of this debt your agency claims has come due. Debt Validation Sample Letter Date To: (Name of the Collections Agency) Address: (Address of the Collection Agency) Account # 123456787 From: (Your Name) Address: (Your Address) Delivery Confirmation #:

More information

Dual Currency Investment. Terms and Conditions Effective 15 August 2011

Dual Currency Investment. Terms and Conditions Effective 15 August 2011 Dual Currency Investment Terms and Conditions Effective 15 August 2011 2 Important Information 1. DCI Terms and Conditions 1.1 This document sets out the terms and conditions (the DCI Terms ) relating

More information

Short-Term Disability. Summary Plan Description

Short-Term Disability. Summary Plan Description Short-Term Disability Summary Plan Description August 2016 Table of Contents INTRODUCTION... 1 ELIGIBILITY AND ENROLLMENT... 1 Eligibility... 1 Enrollment... 1 STD BENEFITS... 2 DURATION OF BENEFIT PAYMENTS...

More information

APPLICATION AND SOLICITATION DISCLOSURE

APPLICATION AND SOLICITATION DISCLOSURE APPLICATION AND SOLICITATION DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Passport Platinum to, when you open your account, based on your Passport Secured Platinum

More information

$89.00 (one-time fee). $75.00 for first year After that, $48.00 annually.

$89.00 (one-time fee). $75.00 for first year After that, $48.00 annually. Terms and Conditions-Website Interest Rates and Interest Charges Annual Percentage Rate 29.99% (APR) for Purchases APR for Cash Advances 29.99% Paying Interest Your due date will be a minimum of 21 days

More information

Cardholder Agreement

Cardholder Agreement Cardholder Agreement 1. Your Agreement to these Terms and Conditions; Definitions. The terms and conditions in this Agreement govern your Card and all credit extended to you under this Agreement. The Agreement

More information

Truliant Federal Credit Union VISA CLASSIC. None. None None. None

Truliant Federal Credit Union VISA CLASSIC. None. None None. None Truliant Federal Credit Union VISA CLASSIC G-17278 VISA CLASSIC Account Opening Disclosure and Pricing Information Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases, Balance

More information

Public Act No

Public Act No Public Act No. 18-90 AN ACT CONCERNING SECURITY FREEZES ON CREDIT REPORTS, IDENTITY THEFT PREVENTION SERVICES AND REGULATIONS OF CREDIT RATING AGENCIES. Be it enacted by the Senate and House of Representatives

More information

FirstB2B Agreement. 5. Statements. All transfers made with the Service will appear on Customer s account.

FirstB2B Agreement. 5. Statements. All transfers made with the Service will appear on Customer s account. FirstB2B Agreement Company Name: Client Number: (Federal Tax ID #) 1. The Service. In consideration of the FirstB2B services ( Services ) to be provided by First National Bank and Trust Company ( BANK

More information

Online Banking Agreement.

Online Banking Agreement. ONLINE BANKING / BILL PAYING AGREEMENT 1. The Services: Use of Liberty National Bank's Online Banking Services requires at least one eligible deposit or loan account with us. If you have more than one

More information

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account

Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account Fort Worth Community Credit Union Credit Card Agreement and Disclosure Statement For Your MasterCard Platinum or VISA Platinum Account Notice: Read and retain this copy of your Credit Card Agreement and

More information

Bank Account. Terms and Conditions

Bank Account. Terms and Conditions Bank Account Terms and Conditions 2 AGREEMENT FOR THE PROVISION OF A BANK ACCOUNT WITH STARLING BANK LIMITED Please read this agreement (the Agreement ) carefully. It forms a legally binding agreement

More information

AGREEMENT AND FEDERAL TRUTH-IN-LENDING

AGREEMENT AND FEDERAL TRUTH-IN-LENDING Nuvision Credit Union P.O. Box 1220 Huntington Beach, CA 92647-1220 nuvisionfederal.org VISA CREDIT CARD AGREEMENT AND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT PLEASE KEEP THIS BROCHURE FOR YOUR RECORDS

More information

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Arvest Bank ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE The federal Electronic Fund Transfer Act and Regulation E require financial institutions to provide certain information to consumers (i.e.,

More information

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS

CUSTOMER DISCLOSURE AND AGREEMENT TO RECEIVE ELECTRONIC COMMUNICATIONS On-line Banking Agreement This Agreement describes your rights and obligations as a user of the On-line Banking Service ("Service"). It also describes the rights and obligations of PennCrest BANK. Please

More information