Consumer complaint received 2021-12-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Synovus Bank (FL)

All communications with Synovus banks denial to open a Non-Statutory- Private Trust account have been in email communications. Below I have provided a copy of these email correspondences between Synovus Bank, XXXX XXXX and myself, XXXX XXXXTrustee for XXXX XXXX XXXX XXXX XXXX XXXX Synovus denied to open the account and refused to provide to me substanciated Lawful reason ( s ) as to their denial. 
_ ALL EMAILS ARE BELOW _______________________________________________________________________________ Synovus denial Email : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX  To : XXXX XXXX XXXX Subject : RE : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  TO THE BENIFICARY RULE Yes, I responded back to this email already XXXX. I also sent you an email that our legal department is not going to allow me to open the Trust Account that you had requested. 
Thanks! 
________________________________________________________________________________ My 1st Response to denial From : XXXX XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX To : XXXX, XXXX XXXX Subject : [ XXXX ] Re : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO THE BENIFICARY RULE Please provide to me in writing the reason for the denial. Thank you. XXXX XXXX Trustee ________________________________________________________________________________ SYNOVUSS 1st DENIAL STATEMENT From : XXXX, XXXX XXXX Sent : Friday, XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX Subject : RE : from : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TO THE BENIFICARY RULE The reason I got is in red below. " This does not appear to be a validly executed trust. '' ________________________________________________________________________________ MY 1st REQUEST FOR INFORMATION AND EXPLANATION OF THE ABOVE DENIAL STATEMENT XXXX, Please confirm receipt of this correspondence. Thank you, Per our conversation this email is to serve as a complaint and dispute of Synovus ' s Legal teams ' denial to open a Trust Account. 
XXXX XXXX XXXX XXXX XXXX was denied an account at your bank and the reason given was that " This does not appear to be a validly executed trust. '' XXXX XXXX XXXX XXXX XXXX was " executed '' in a religious court, by the Chief Justice of that court. The paperwork that your bank was given shows that XXXX XXXX XXXX XXXX XXXX was Created in a religious Court under Spiritual Jurisdiction, and is private between consenting parties. 
XXXX XXXX XXXX XXXX XXXX is a Non-Statutory Trust. 
1. Please send me your written definition and guidelines that define a " validly executed trust. '' 2. Please provide to me the name ( s ) of the person or persons who made this decision. And their title. 
See attached documents. Respectfully, XXXXXXXX XXXX-Trustee XXXX SYNOVUSS RESPONSE TO THE ABOVE EMAIL, 2nd DENIAL STATEMENT GIVEN XXXX, XXXX XXXX Mon XX/XX/2021 XXXX PM To : XXXX XXXX XXXX XXXX XXXX forwarded the documentation to our legal department and there response is, None of the documentation presented has any impact on our ability to refuse to open this trust. 
Thanks! 
________________________________________________________________________________ MY RESPONSE TO SYNOVUS EMAIL XXXX! XX/XX/2021 @ XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX, In accordance to the following Law, but not limited to : According to the Fair Credit Reporting Act, The bank is required to tell me why and supply me with the information as to what the specific legal reason ( s ) for denial are. 
a. Stating the denial is " " This does not appear to be a validly executed trust. '' As I had requested in an earlier email. 
Please send me your written definition and guidelines that define a " validly executed trust. '' Please provide to me the name ( s ) of the person or persons who made this decision. And their title. 
b. Synovus other statement " None of the documentation presented has any impact on our ability to refuse to open this trust. Clearly this denial response is not within the law of The Fair Credit Reporting Act! 
c. Section 242, Title 18, Deprivation of Rights Under the Color of Law.

d. Fair Access to Financial Services Act.

e. Religious Discrimination. 
XXXX XXXX Trustee ________________________________________________________________________________ SYNOVUS RESPONSE XXXX, XXXX XXXX Mon XX/XX/2021 XXXX XXXX To : XXXX XXXX XXXX, The Fair Credit Reporting Act says the following : The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. 

Please tell me where Synovus Violated the Fair Credit Reporting Act? 
________________________________________________________________________________ MY RESPONSE XXXX XXXX Mon XX/XX/2021 XXXX XXXX  To : XXXX, XXXX XXXX If at any time during the checking account application process, Synovus used a checking account screening company or other information agency and or pulled my credited. Under the Fair Credit Act Synovus is to provide me with that in formation.

I have in good faith attempted to have Synovus answer the questions that I have a lawful right to have answered. Synovus refuses to provide Lawful answers, instead are giving some vague statements! 
By Federal Law the bank is required to give to me Lawful reason as to any denial, not unsubstantiated statements. For this reason this is why there are these agencies. Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly. 

a. Synovus denial is " " This does not appear to be a validly executed trust. '' As I had requested in an earlier email. 
Please send me your written definition and guidelines that define a " validly executed trust. '' Please provide to me the name ( s ) of the person or persons who made this decision. And their title. 
b. Synovus other statement " None of the documentation presented has any impact on our ability to refuse to open this trust. 
c. Section 242, Title 18, Deprivation of Rights Under the Color of Law.

d. Fair Access to Financial Services Act. 
e. Religious Discrimination. 
XXXX XXXX -Trustee