American Savings Bank

Information for the bank’s internet banking and bill payment services was communicated to the customer at the time customer signed up for internet banking and via disclosures, agreements and notices The $fee is the fee for the internet banking service As a one-time courtesy, the bank will waive the $online bill payment fee it incurred To avoid this fee in the future, customer must perform or more online bill payment transactions per month Customer may request to discontinue internet banking to avoid all related fees for this service

So THEY CHANGE the terms of our contract whenever and however the want without my permission.I don't think this is legal, this is a contract between parties and we both have to agree to changesif they keep charging me I ll keep filing complaints........We need to be helped they are stealing $every month to every costumer they have Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted]

Information from Credit Bureaus attached

This responds to Complaint No[redacted] Customer requested a stop payment on a check on Monday, October 13, 2014, a holiday We informed customer that stop payments requested on a non-business day, including holidays, will not post to a customer’s account until the next business In this case, the next business day was Tuesday, October We suggested to customer that he speak directly to the payee of the check about the situation Unfortunately, the check was negotiated on October 13, prior to the stop being placed on customer’s account While we empathize with customer’s situation, this was not bank error

The following message was sent to customer on April 1, 2015: Effective May 1, the following changes will apply to the bill pay service fee · Increase of the monthly service from $to $per monthly statement cycle · The monthly service fee will no longer be waived if you process or more bill payments during the monthly statement cycle Our records indicate that the message was read by customer As a courtesy, the bank waived customer’s online banking $monthly service fee for May

Customer’s last statement (for period 8/26/- 9/25/13), which we provided to Revdex.com, reflected a balance due of $ The bank charged off this amount and closed the account in August We reported the delinquency to the credit bureaus prior to closing the account

Ms*** recently called our Customer Banking Center to inquire about a large deposit she mailed to the personal banker at our Kalihi branch. We requested personal information from Ms*** to properly identify her; however, Ms*** was very reluctant to provide such information over the
phone. Some of the kinds of information we request from customers include birthdate, mother’s maiden name, branch where account was opened, and account balance information. We regret that these inquiries upset Ms***; however, the bank must follow these verification procedures to avoid fraudulent activity from occurring on customers’ accounts. Ms*** has also called our Customer Banking Center and our Pearlridge and Kalihi branches several times to order replacement debit cards and requested to have them sent to Japan because she apparently lost her cards. We have accommodated Ms*** in this regard and, as a courtesy, waived one of the replacement card feesOur customer service representatives and branch personnel are trained to provide excellent service to our customers and would not use discriminatory or derogatory terms towards our customers

Complaint: ***
I am rejecting this response because:
What purchase amount fee of $1.66?! American savings bank denied a resolution to this matterThey denied providing me any paperwork on this card and has now added another late payment accusation! What about the $fee that was reported to my credit report, making me delinquent on payments since 2012? Where did the strange fee of $come from?! I was not notified of ANY of the fees that they accrued on this cardI am still being denied proper paperwork on this card. My credit report IS NOT accurateI have made a police report against American Savings Bank and this fraud (report no: ***)I demand answers as to why there are fees and late payments that are still on my credit report, making me delinquent for three yearsI demand that my original deposit be refunded to me, as promised, and I request proper documentation on this credit card that states that the card is closed, to update my credit report.
Sincerely,
*** ***

Revdex.com:I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meSincerely, *** ***

This responds to complaint #***. The bank worked directly with customers and reached an amicable agreementCustomers were satisfied with resolution

Complaint: ***
Yes, but I STILL need proof that the card is closed! I need the proper paperwork which is dated and reads when the secured *** was closedI need to update my credit report ASAP, as it is currently stating the card is open and activePlease provide me with proof that the secured *** is closed, or I will be forced to believe that it is currently being held open by your company
Sincerely,
*** ***

Thank you for the opportunity to respond to our customer’s complaint.  On August 12th, we attempted to call the customer, and were unable to make contact.  Then, on August 15th, a notice was sent via US mail confirming that the account has been paid in full and is closed.  A follow up...

call was made on August 16th, and we have not heard from the customer since.   If the customer hasn’t received the confirmation notice in the mail, please have him contact us at [redacted] or email us at [email protected].

This responds to complaint no. [redacted].  The bank reviewed the matter and established that the late mark on customer’s credit report resulted from a purchase charge in the amount of $1.66 incurred on 12/27/12.  Payment for this charge was due on 2/22/13, which customer did not pay. ...

Due to customer’s unresponsive to the bank’s collection efforts and the account’s small balance, the bank waived the charge amount, including interest and late fees.  The customer’s credit report is accurate and there is no deposit due customer.

Information for the bank’s internet banking and bill payment services was communicated to the customer at the time customer signed up for internet banking and via disclosures, agreements and notices.  The $4.95 fee is the fee for the internet banking service.  As a one-time courtesy, the...

bank will waive the $4.00 online bill payment fee it incurred.  To avoid this fee in the future, customer must perform 3 or more online bill payment transactions per month.  Customer may request to discontinue internet banking to avoid all related fees for this service.

The following is a timeline regarding customer’s savings secured *** account:
 
5/11/12 - Customer transferred $550 from checking account ending in 3163 to savings account ending in 2484 and used these funds as a deposit to open a savings secured *** account (“***”) with the bank.
5/16/12 - Customer opened the ***.
6/18/12 - Customer transferred these funds plus $20 (a total of $570) from the savings account back to the checking account via an online transfer.  Pursuant to the terms of the ***, $550 was to remain in the savings account as security.
12/27/12 – Customer charged a purchase in the amount $1.66 on her ***. 
 
Customer did not pay the charge and, therefore, incurred fees and late charges.  The bank waived a portion of the fees and late charges.  As of 9/25/2013, customer had an outstanding balance on her *** in the amount of $8.34.  Attached are supporting bank account statements and *** statements. (We were not able to attach *** statements for July, August, September 2013 in this email and will try to submit these statements under separate email.)

On Monday Oct 13th 2014  American Savings in store branches were open on a holiday... I called American Saving Customer Services  placed a stop payment for check 1137   amount of check was 1300.oo ,   American Saving customer services  stated to me that the stop payment was activated,  she didn't mentioned  to me that it will activate in one day...  Also the Salt Lake in store branch manager had informed me that if the check was cashed the bank's computer system wouldn't allow a stop payment to be activated....  According the U.S.  treasury dept....Controller office,  once a bank issued a recorded stop payment, the bank is liable for cashing any stop payment check....I'm  a very reasonable minded person.  If the bank had told me in the first place that they cannot issue a stop payment, then I will be okay with American Savings explanation.  But American Savings Customer Servicesinformed me that the stop payment was immediately activated and the $30.00 fee was charged to my account.OFFER TO A RESOLUTION:   If American Savings is willing to refund half of my money  back, I will be willing to take this offer and settle this matter.   Otherwise if American Savings is not willing to come to any settlement offer, then I will file a lawsuit in court asking the Judge to grant me full judgment  and in addition to add double or treble monetary damages.Sincerely,Arsenio Pelayo99-124 Kohomua St 15BAiea, Hawaii  96701tel  808  382-9495
Complaint: 10267431
I am rejecting this response because:      See above statement
Sincerely,
Arsenio Pelayo

Thank you very much for this opportunity to respond to our customer’s complaint. American Savings Bank looked into the situation and has worked directly with the customer and [redacted]. The customer’s issue has been resolved.

Customer’s last statement (for period 8/26/13 - 9/25/13), which we provided to Revdex.com, reflected a balance due of $8.34.  The bank charged off this amount and closed the account in August 2013.  We reported the delinquency to the credit bureaus prior to closing the account.

This responds to Complaint No.[redacted].  Customer requested a stop payment on a check on
Monday, October 13, 2014, a holiday.  We informed
customer that stop payments requested on a non-business day, including
holidays, will not post to a customer’s account until the next...

business.  In this case, the next business day was Tuesday,
October 14.  We suggested to customer
that he speak directly to the payee of the check about the situation.  Unfortunately, the check was negotiated on
October 13, prior to the stop being placed on customer’s account.  While we empathize with customer’s situation,
this was not bank error.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
[redacted]