B & K Enterprises

Please see the attached bank responseThank you

Subject: Complaint # [redacted] To whom it may concern, Please be advised that my issue with First Hawaiian Bank has been resolvedThey acted on it as soon as they received the complaint from you and I received the title and check for the overpayment todayThank you very much for your help! [redacted] Sent from my ***

This letter is in response to your complaint addressed the Revdex.com of Hawaii, Inc.The $fee and the debit for $have been reversed and your account was closed with a zero balance on September 23, 2016.You will be receiving a final statement for your account shortly after October 12, 2016, showing a closing balance of $0.00.We apologize for the frustration you have experienced with the reversal of these transactions and closing of this account and hope that the situation has been resolved to your satisfaction.If you have any additional questions or concern, please feel free to contact me at, 844-

Complaint: [redacted] I am rejecting this response because: FHB's solution to the problem is for me to spend more time, and send more confidential data via the internet to log on to this flawed websiteI have already done thatLast year, I spent several hours trying to get onto this website only to have it reject me this year even after I provided an enormous amount of confidential dataThe problem is not me, the problem is this website which FHB shows no signs of modifying so that reasonable people can access their points from their credit card purchases First, and foremost, the website needs to allow the consumer's computer to store the password the consumer has selectedI regularly visit over websites, many financial and online shopping sites, and ALL of them allow my computer to store the password I have selectedThis is critical because each website has its own criteria for passwords, the length varies, the number of letters (upper and/or lower case), numbers, and special characters also variesWhat you end up with a gobblygook combination that you couldn't possibly remember and half the time you can't even type correctlyThis is why it is critical to give the consumer the option of allowing her computer to store and fill in the password and user name for that websiteMy browser Mozilla has a pop up that appears anytime I log on to a new website asking me if it should remember the user name and passwordTHAT IS EVERY WEBSITE EXCEPT THIS ONE WHICH JEALOUSLY GUARDS THE ENTRANCE TO THIS WEBSITE LIKE ITS JOB WAS PROTECTING NUCLEAR LAUNCH CODES instead of allowing users to access their points Second, I should not have to provide my date of birth, social security number, account number, and name of maternal grandmother to get into this websiteThis is sensitive information, enough for identity theftI don't know who can access to this sensitive data I am required to provide as part of the log on procedureThere are nefarious characters that regularly troll the internet trying to glean sensitive information like this in order to steal my identityIT IS NEVER A GOOD IDEA TO SEND SENSITIVE INFORMATION LIKE THIS ACROSS THE INTERNETIf the Democrats' email can be hacked, they can probably hack this poorly designed website or the line on which it is being transmittedI SHOULD BE ABLE TO ACCESS MY POINTS WITH A USER NAME, A PASSWORD, AND MY ACCOUNT NUMBER as I previously did for years until the website's most recent upgrade Third, it would be nice if the link to the FHB Priority Rewards website at the FHB home page, where I get my account balances, workedThey recently added this link, but it goes nowhereI would like nothing more than to get access to my points through the FHB homepage, which works great, and never again have to visit the demented FHB Priority Rewards webpage Fourth, it is MsP [redacted] not MrP*** I've been a customer of the bank for yearsIts about time you figured it out Fifth, I want compensation for the hours I have spent this year and last trying to get onto this revolting website, talking to bank officials who know nothing about getting on to this website, and talking to the travel agent at the help line who also knows nothing about getting onto this websiteIf you are going to offer consumers points as an incentive to use your credit card, you have a responsibility to provide them with reasonable access to the website which converts the points into the rewardsInstead FHB has only succeeded in frustrating and antagonizing me$should cover it Sixth, the website needs a person at the number to help consumers get onto the website if there is a problem, for example if they are locked out as I currently amI should not have to file a Revdex.com complaint in order to get someone to help meThe travel agent who is currently the only person at the number knows nothing about getting on to the website Sincerely, Rory P***

Dear Ms***:We apologize that you were not able to open a personal account at First Hawaiian Bank.To open a new account and as required by Federal law, it is our policy that we form a reasonable belief of the true identity of each customer prior to opening an account We therefore require an unexpired government-issued identification bearing a photograph to be presented prior to account opening Examples of acceptable identification include a:• State Driver's License• State Identification Card• USMilitary Identification Card• Passport• Permanent Resident or Resident Alien CardThank you for your understanding If you have any questions, please feel free to contact me at [redacted]

To Whom It May Concern:Seibert’s Towing acknowledges receipt of the complaint from Ms [redacted] , but wishes to express that not all of her facts are complete or consistent with our information The vehicle in question was towed on June 10, It was subsequently released days later on June 28, At the time of her accident, Ms [redacted] had the option of choosing any towing provider she desired Seibert’s Towing was only called out because she had no other provider, and we were requested to assist by the Richmond Police.After the vehicle was loaded onto our truck it could have been taken to any destination Ms [redacted] chose as long as the tow bill was paid at that time Since we were not requested to deliver the vehicle to a specific destination, the vehicle was brought to our property It is our company policy not to enter vehicles or alter them upon arriving at our property We do not want our employees to enter a customer’s vehicle that contains personal property and valuables We do not wish to be accused of removing anything from the vehicle or tampering with a customer’s property or personal information There is also a safety risk to our employees entering accident vehicles since there is frequently broken glass, blood or other biohazards in the car’s interior.I should also add that the complaint lists damages to the vehicle of approximately $2, According to NADA guidelines, a [redacted] similar to Ms [redacted] would have a clean retail value of $2, Since her vehicle had been damaged in an accident, the cost of the repairs she is seeking would most likely exceed the value of the entire vehicle Given the condition of the vehicle as well as the age, it is reasonable to assume that the vehicle would have been considered a total loss.Ms [redacted] could have come to our property to secure her vehicle in the manner she desired or requested that we roll up the windows for her In the days it was here, we have no record of her coming to our property or even calling about the status of her car We do not believe any further auction is required on our part

Here are some of the Overdraft Fees being stated as Special Handling fees Its interesting that they never give the charge amount of how much a special handling fee is, but the Overdraft fee is $in their policy The total is close to $when all estimates come in That is around the same amount the charged off my account for

Dear Mr [redacted] :We are in receipt of your complaint to the Revdex.com (Revdex.com Complaint ID [redacted] ).According to our records, you applied for a Business [redacted] account on April 13, As indicated on the second page of the application (see copy enclosed), your signature confirms that you are the owner of T [redacted] and guarantor of this agreementAs stated in our approval letter to you dated April 21, 2004, by signing the Business Credit Application and Agreement, you agreed to be bound by the terms and conditions of the Business Credit Card issued with a total credit limit $50,A card with a $10,limit was issued to you and a card with a $40,limit was issued to [redacted] at the time of approvalDue to the usage of both cards issued for the business and the subsequent default of debt, a judgement was obtained against you on April 24, and renewed on March 4, 2015.Most recently, we sent you a letter dated October 2, after we received your $1,settlement offerAt that time, we explained to you that we would not settle for that amountWe expressed our willingness to work with you to help resolve the situation by accepting monthly paymentsAs of October 30, 2015, the total judgement is $138,870.79, inclusive of all costs and fees, along with interest accruing at 18% per annum from April 24, 2009, the date of judgementIf you choose to begin monthly payments as an acceptable resolution to the issue please contact Brandon S [redacted] toll free at [redacted] or directly at [redacted]

We received your latest correspondence to our response, dated August 29, It appears there may be confusion with regard to the terminology we use as it pertains to overdrafts and returned items.As indicated in the schedule of charges and the deposit rules we provided to you, a "special handling charge" is assessed when: (1) a check is paid causing an overdraft on your account; or ( 2) a check is not paid but returned (bounced) because your account has insufficient funds In both instances, a special handling charge of $will be assessed In the case of anoverdraft, this charge is essentially the same as what you are referring to in your response as an overdraft fee, except that the term we use is special handling charge.With regard to the transactions you've highlighted, below indicates why the special handling charge was assessed in each instance.DateTransaction3/29/16•Your check written to [redacted] for $posted to your account.3/30/16•The check was returned due to insufficient funds and a $special handling charge was assessed.3/31/16•The same [redacted] check was resubmitted .4/1/16•The 3/31/check was again returned due to insufficient funds and a $special handling charge was assessed.4/1/16•A $bank credit was posted as a special handling charge courtesy reversal.4/14/16•A debit charge from [redacted] for $posted to your accountThis transaction was highlighted on the statement you provided [redacted] with your complaint, but this is not a special handling charge.5/2/16• [redacted] check for $was posted to your account5/3/16•The [redacted] check was paid against insufficient funds causing youraccount to be overdrawn and your account was assessed a $special handling charge.5/10/16•Your account was overdrawn for more than calendar days so a$Continuous OD fee was assessed.5/26/16•A funds transfer was made to [redacted] in the amount of $1,116.505/27/16•The transaction was returned due to a hold for $for two previous debit card purchases you made ($- [redacted] &$***) which caused the available balance to be overdrawn.•A $special handling charge was assessed .7/1/16•ATM deposit of $was made earlier in the day but was latercorrected to $as the actual deposit amount and, therefore, the account was debited for $at the end of the day.•Between the deposit and correction the following debittransactions were made ( [redacted] , which caused the account to be overdrawn.7/5/16•$in special handling charges were assessed for the 7/1/debitcard transactions mentioned above, which caused the account to go overdrawn.•A [redacted] check in the amount of $was also posted to theaccount.7/6/16•The 7/5/ [redacted] check transaction was returned due to insufficient funds and a $special handling charge was assessed.7/8/16•The same [redacted] check was resubmitted .7/11/16•The 7/8/ [redacted] check was again returned due to insufficient funds and a $special handling charge was assessed.7/12/16•The account was overdrawn for more than calendar days so a$Continuous OD fee was assessed.8/3/16•A new [redacted] check in the amount of $was posted to the account.8/4/16•The 8/3/ [redacted] check was returned due to insufficient funds and a $special handling charge was assessed.8/8/16•The same [redacted] check was resubmitted.8/9/16•The 8/8/ [redacted] check was again returned due to insufficientfunds In this case, however, no fee was assessed.8/19/16•Your account was closed due to your account being overdrawn in the amount of $I attempted to contact you to provide further clarification at the phone number you listed with the Revdex.com, but your mailbox was fullPlease do not hesitate to contact me at [redacted] if you have any questions

[redacted] [redacted] I have been contacted by FHB and they have agreed to credit back my savings account all the money they have taken from meI TRULY appreciate the Revdex.com and all their assistance.I am available for more questions please feel free to contact me by call or email anytime [redacted]

Complaint: [redacted] I am rejecting this response because: First Hawaiian Bank is intentionally ignoring the background information pertaining to this wholly unjustified situation First Hawaiian Bank is fully aware that at no time was I ever personally employed by, nor was I ever an owner of the company that they are attempting to collect this debt from First Hawaiian Bank is knowingly attempting to collect a corporation's debt from an uninvolved individual whom they are fully aware never had any degree of involvement with the corporation they know is solely responsible for the debt they are attempting to collect In addition, subsequent to being informed of the same background information, First Hawaiian Bank's local attorney intentionally deceived me of my opportunity to represent my position in court Specifically, prior to the court date wherein this matter was to be heard, First Hawaiian Bank's local attorney informed me that they were no longer going to pursue this matter in consideration of the fact that I had been intentionally deceived / victimized concerning this matter Nonetheless, after being notified by First Hawaiian Bank's attorney that the matter had been settled, First Hawaiian Bank's attorney deceptively continued to seek out, and eventually be awarded this unjustified judgment against my personal residence without my knowledge and / or any opportunity to even attempt to defend my position of innocence In fact, once I was able to contact First Hawaiian Bank's attorney's office via telephone shortly after they intentionally lied to me, I was informed by their staff member that I was naïve (stupid) to ever believe anything that they had previously told me Regardless of the deceptive actions of First Hawaiian Bank's attorney, First Hawaiian Bank is still attempting to collect this debt that they knew without any doubt was 100% originated by my deceased father's corporation First Hawaiian Bank has been notified numerous times that I am the individual that's being victimized by this unwarranted situation, nevertheless they continue to pursue the matter First Hawaiian Bank has also been notified that I am 100% disabled and hereafter forced to survive solely via monthly disability payments Nonetheless, First Hawaiian Bank is still requesting that I somehow make monthly payments towards this debt that they know that I had nothing to do with at any time In summary, it appears that First Hawaiian Bank is knowingly attempting to force me to file personal bankruptcy Because there is no possible way I would ever be able to pay even a small portion of the corporate debt they are illegitimately attempting to extort from me I contacted the Revdex.com because I'm honestly trying to do everything within my power to avoid being forced into filing for personal bankruptcy

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] ***

Complaint: [redacted] I am rejecting this response because: I see either a double standard of how this financial institution works or advertisement of services I have three things to review The Bank Credit which was suppose to be for a overdraft fee of the same check that never was covered by the bank They are disguising it as a special handling fee therefore not going under the same reasonThe Message Detail shows that I was being charged for Overdraft according to their specialist Sincerely, [redacted]

From: [redacted] . [redacted] @gmail.com [mailto: [redacted] . [redacted] @gmail.com] Sent: Wednesday, September 23, 2015 8:44 PMTo: [redacted] K. Sides <[email protected]>Subject: Re: FW: You have a New Message from BBB of Hawaii Regarding Complaint #10782726Dear Miss ***, I would just like to ask, if possible, if I could add a note, I just saw the status of it as below...Answered- BBB has not heard back from the consumer as to their satisfaction with the business's responsePlease state: Thank you FHB, I accept the promised settlement, I will wait for the mileage credit on my [redacted] account. - [redacted] I appreciate your assistance, Miss [redacted] . Regards, [redacted]

This letter is in response to your complaint filed with the Revdex.com of Hawaii,Inc(Revdex.com).We apologize that the branch was unable to adequately explain the process and reason why your account became overdrawn and an overdraft fee was assessed.I reviewed the transactions on your account.The overdraft fee assessed on November 1, 2017, was due to a check presented on October 31, 2017, in the amount of $225.00, at which time exceeded the available balance on your account of $ 82.86.This check was presented to the bank prior to the deposit you made on 11/1/17.We appreciate your business over the years and as a courtesy, we will reverse the $overdraft fee on November 29, 2017.We trust that our response adequately addresses your concernsPlease feel free to contact me at [redacted] if you have any further questions

Please see the bank's response which is attached Thank you

Please see attached for the bank's response Thank you

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.It is clear to me from this resolution that First Hawaiian Bank had... to go through extraordinary measures to provide a resolution. Hopefully they have fixed their accounting system and internal communication protocol so customer confusion referenced by this complaint doesn't keep recurring. Sincerely, [redacted] ***

This letter is in response to your complaint filed with the Revdex.com of Hawaii, Inc(Revdex.com), dated November 19, 2017.We sincerely apologize for your concerns not being adequately addressed After receiving this complaint, we tried to contact you at ***, which is the phone
number on the account; however we were not able to reach you As a courtesy, we will credit your account on December 29, 2017, for the inactive fees incurred for the past months, in the amount of $ Enclosed is also an Official Bank Check in the amount of $100.00, which is your total remaining balance including the $credit for inactive fees Your account will be closed on January 2, 2018, which will be reflected on your last statement expected to be sent on January 11, 2018.If you have any further questions or concerns please feel free to contact me at ***

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