BREMER BANK, NATIONAL ASSOCIATION

2019-09-10

Andyville, MN

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Closed with monetary relief

Timely Response

2019-09-09

Ardoch, ND

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2019-04-11

MN

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: For the last 23 years my estranged husband and my in-laws have taken out a large variety of farm loans and ongoing lines of credit for which Ive co-signed many, if not all of them. Originally they were done through my Brother-In-Law, who at those earlier years was our loan officer at our bank, eventually they figured out that might be considered a conflict of interest and we received a new loan officer. Im not sure if this was the same time period my Brother-In Law became Vice President Of the bank. Now, almost two years ago my husband filed for divorce the same day probate for my Father-In-Law became final, I didnt even know it had started. During the high conflict, ongoing divorce, Discovery comes up, Im Pro Se due to the fact husband took all joint funds and put them into an account only he can access at the bank. He has two attorneys. I asked for copies of his bank statements and copies of our most recent loan documents that I signed on just three months prior, and was told be our loan officers supervisor Its none of your business, its farm business. I still havent received any documents from them. Our CPA also will not give me any copies of our taxes Without his permission because His name is primary on our account. He refused my request. Theres a Testamentary Trust involved from my Fater-In-Law for which my V.P. Brother-In-Laws wife is a beneficiary and my husband is supposed to by out her share, husband was also Executor of the will. I also saw the land loan we took out in 2007 had my forged signature on it. I didnt even know we bought land until it was all done. By the way our bank is Bremer and our CPA is XXXX XXXX & XXXX XXXX. Not that it makes a huge difference but Im also XXXX. Bremer has since closed my 23 year long checking account, so I no longer have a bank, much less any money.
Company Response: Closed with explanation

Timely Response

2019-04-09

Barre Mills, WI

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Closed with monetary relief

Timely Response

2019-01-11

Saint Augusta, MN

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Closed with explanation

Timely Response

2018-10-18

International Falls, MN

Managing an account

Checking or savings account: Savings account

Funds not handled or disbursed as instructed
Company Response: Closed with explanation

Timely Response

2018-06-14

MN

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/2017 I made a payment to XXXX XXXX. The payment was returned on XX/XX/2017. On XX/XX/2017 I logged onto the online banking with Bremer Bank. While review the transactions on Sunday XX/XX/XXXX, I noticed ATM withdrawals that I did not make, nor did I authorize, nor did I benefit from. On XX/XX/2017 I stopped into a branch location with Bremer Bank in XXXX. XXXX MN and shared my findings with a personal banker. This personal banker informed me that I needed to call the fraud department and speak with them. I sat in the parking lot of Bremer Bank and spoke to the fraud department. This was an intake call. ( Bremer Bank fraud case no. XXXX ) I explained the situation during the intake call. One of the questions that was asked by the person whom that took my call was, When did you lose your debit card. My response was, Well, I can't answer that question and I would never give any bank an exact date to a credit card or debit card that was out of my possession because I can't answer that question. However, Sunday, XX/XX/XXXX late in the evening was the first day that I noticed my debit card no longer in my possession after I looked for it and learned that the debit card was no longer in my possession as well as the unauthorized withdrawals. Bremer Bank did credit me {$180.00} as a final credit out of the {$680.00} that was taken out of my checking account. Bremer Banks ' personal account agreement on page 33, state 's " If you tell us within two ( 2 ) business days after you learn of the loss or theft or your card, security code and/ or other access means, you can lose no more than {$50.00} if someone used your card, security code and/or other access means without your permission. I have contact in a complaint to Office of the Minnesota Attorney General XXXX XXXX and worked with XXXX XXXX in this office. XXXX was unsuccessful in getting Bremer bank to pay the {$450.00} that they still owe me. Shortly after my complaint to Bremer Bank in XXXX of XXXX, Bremer Bank closed my checking account and stated they would never do business with me ever again. XXXX XXXX in the fraud department of Bremer bank spoke with me on the phone telling me that I was a HIGH risk and will not open another checking account with me and will no longer do business with me. I said, over fraud activity? She responded yes. XXXX XXXX recommended that I file a complaint with the Consumer Financial Protection Bureau since Bremer Bank is not following rules and regulations. I never once had given anyone with Bremer Bank an exact date on when I lost my card. Again, it wasn't until XX/XX/XXXX when I noticed my card missing after I looked for it. I did review transactions online and I told XXXX XXXX that the last transactions that I made were on Friday, XX/XX/2017 and those transactions a valid from that day, so I would have lost the card between XX/XX/XXXX and XX/XX/XXXX, but don't quote me on the exact date, and since there were unauthorized atm withdrawals on XX/XX/XXXX and XXXX, the card would've been lost/stolen between XX/XX/XXXX and XX/XX/XXXX. Again, this wasn't learned until XX/XX/XXXX. I notified Bremer Bank on XX/XX/XXXX. XXXX XXXX said she has evidence that I said I no longer have my card in my possession as of XX/XX/XXXX, and this is the date XXXX XXXX made a final decision. I never gave anyone with Bremer Bank an exact date. But Bremer Bank needs to go by the date learned that it was no longer in my possession and that is XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-05-11

S Saint Paul, MN

Managing an account

Checking or savings account: Savings account

Deposits and withdrawals
Company Response: Company believes the complaint is the result of a misunderstanding Closed with monetary relief

Timely Response

2018-02-08

Duluth, MN

Closing an account

Checking or savings account: Other banking product or service

Fees charged for closing account
Complaint: Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. Couldn't open a bank acct here because of it. Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2018-01-08

Tulsa, OK

Improper use of your report

Checking or savings account: Checking account

Report provided to employer without your written authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-09-18

Saint Paul, MN

Problem caused by your funds being low

Checking or savings account: Checking account

Non-sufficient funds and associated fees
Complaint: I have a checking account through Bremer Bank. My local branch is in XXXX, Minnesota. I was charged XXXX separate overdraft fees for non-sufficient funds in the amount of {$35.00} each on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX despite the fact I made every attempt to get the monies into the account before midnight each day it was overdrawn. I submitted a request to the bank to overturn these fees due to the fact that I was advised in XXXX XXXX by the XXXX, XXXX, at the XXXX location, that customers had until midnight to get their account current as I had an issue at that time. I asked for clarification of this issue of what was stated to me and she said this was the policy ; however, bank ATMs state otherwise in that monies should be deposited into funds by XXXX p.m. daily. Supposedly now I misunderstood, but I asked her outright if this what she meant to say. I want the bank to overturn at least XXXX of these as I feel they added an overdraft ( specifically the XXXX dated XXXX/XXXX/XXXX ) unfairly as the reason why the account was overdraft was due to the overdraft taken out the previous day. While I do n't want to get XXXX into trouble, she never should have said this to me if it was not the correct information. XXXX Bank is also taking electronic checks late in the day when they only allow until XXXX p.m. to get the money into your account and this has caused overdraft charges as well and then they do n't want to overturn them, despite the fact that I have checked my checking account diligently the same day to see if more money needs to be put in that day. I think any bank that does this should allow their customers until midnight to get their account current. I have a checking account through a local credit union who allows this and am considering moving all of my banking there now due to the frustration with this most recent issue. A customer has a right to know what is coming in and out of their account that day, and it is n't always reflected for me see. This is deceptive to the customer. A customer also has a right to make a deposit the day the item comes into that account whether it before before or after the item comes in for payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-14

Princeton, MN

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company believes complaint is the result of an isolated error Closed with non-monetary relief

Timely Response

2017-02-01

Beldenville, WI

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response