A personal banker offered me $50 to open a checking account, but claimed he couldn't find a copy of the certificate. I told him to send the $50 certificate along with the account opening forms to my home. He opened a checking account and a savings account for me without my authorization and signature, but never sent the $50 certificate to me. When I complained to their toll-free number, I was told that I would receive my $50 certificate and that I would not be charged any fees. However, both statements were false.
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