April 13, 2016RE: [redacted] Dear Ms***We are in receipt of your letter dated March 29, regarding an issue that was submitted to the Revdex.com by [redacted] The Revdex.com has assigned this as issue # [redacted] In Mr [redacted] statement he indicates that he was not satisfied with the response to his issue that was filed with the FDIC in April of He finds the bank's disclosure of Overdraft practices are confusing and feels that the bank failed to make him aware of how these fees are appliedMr [redacted] is asking that we waive his outstanding balance and re-establish his account to good standing.In researching, Mr [redacted] opened his account on September 22, at our [redacted] OfficeAt account opening, First Commonwealth provides all clients with a copy of the Schedule of Service FeesThis document discloses the bank's fees that may be charged to the account based on the activity of the accountAt the account opening, the client did not choose to opt- out of the overdraft practices, nor did he establish overdraft protection on his accountMr [redacted] was also provided a copy of the Electronic Funds Transfer form, disclosing the client's rights and obligations for specific transactions, types of transfers, frequency and dollar limitations that may occur on his accountMr [redacted] acknowledged receipt of this information on September 22, 2014.On March 4, 2015, an electronic check was presented for payment against Mr [redacted] ' account from ***l in the amount of $On this date, the account balance was $Since the check presented was an electronic check, it was paid and a paid-item fee in the amount of $was assessed the accountAs the account was not made current after the fifth day, the daily continuous overdraft fee began to incurMr [redacted] did not make a deposit to bring his account current.In reviewing the circumstances of Mr [redacted] ' transactions, it was determined that the account was handled properly and the fees assessed were in accordance with bank policy and practicesIn April of 2015, Cassandra C [redacted] of First Commonwealth had offered to work with Mr [redacted] to see how we could partner with him to bring his account back to good standingThat offer was not accepted by Mr [redacted] and he did not contact her to make arrangementsWe hope that this information provides additional understanding for Mr[redacted] regarding the handling of his account.Sincerely,Rose S [redacted] Executive Assistant to the President
Dear Ms [redacted] First Commonwealth is in receipt of the complaint filed by our client [redacted] regarding an outstanding balance due by AmazonFirst Commonwealth has inquired about the outstanding refund and have not received documentation as to when we can expect the refundWe still have a ticket open and are investigatingAs soon as we are provided an update, we will forward this along so that we can close out this issue for our client.In the meantime, if you have any questions, please feel free to contact me directly at [redacted] .Thank you,Rose S [redacted]
March 23, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220RE: [redacted] # [redacted] Dear Ms [redacted] ,First Commonwealth Bank (FCB) is in receipt of issue that was filed by Mr [redacted] ***In his summary, Mr [redacted] questions an unauthorized charge from a rental company, debit card reissuance, statements being mailed to the wrong address, unauthorized access to his checking account by another client, and a request for a refund of fees.Mr [redacted] notified FCB of an unauthorized charge to Payless Car Rental dated 1/17/in the amount of $FCB initiated a provisional credit on 1/18/18; place the funds back into the account while the charge was being investigatedOn 3/05/the provisional credit was reversed as Payless Car Rental provided evidence that the transaction was legitimate based on the contract Mr [redacted] signed.While the above transaction was reported as potential fraud, a new debit card was ordered for Mr [redacted] and shipped to the address on fileDuring transit, the client had changed his addressThe US Postal Service will not forward debit or credit cards, therefore the card was returned back to FCBOnce the card was received, FCB made arrangements to have it express shipped to the clientWe were not able to accommodate the 7-business day turnaround time due to the fact that we awaited the return of the new debit cardThe client verified receipt of the card and the card was activated.Mr [redacted] inquired how his mailing address was changed to a friend's addressIn March of 2017, FCB received an electronic postcard from the U.SPostal service noting a "Family Move" submitted by an individual residing at [redacted] **When processing this type of address change, all accounts associated with this address are changed as part of a family moveMr***'s account was changed to [redacted] until he notified us in January that he was moving to [redacted] **.Mr [redacted] indicates that his girlfriend is able to access the funds in his checking account although she is not authorized on his accountMr [redacted] and Ms [redacted] have a joint savings account that is titled in both their names; however, their checking accounts are solely titled.Ms [redacted] is able to access the funds from the joint savings account, not Mr***'s checking accountFunds were transferred from Mr***'s checking account into this joint savings account and Ms [redacted] was then able to remove the funds and place them into her checking account.The fees that were assessed Mr***'s account were in line with the terms and conditions that were disclosed to the client at account openingTherefore, since they were not the result of a bank error, FCB will not waive the feesFCB has maintained a professional relationship with Mr***; however it has become more and more difficult to service him to his satisfactionAt this time, we will close all accounts with an effective date of April 20, This will allow Mr [redacted] to make any necessary direct deposit changesIn these days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: [redacted] ***
: I had a dispute with them the only part not completed was proof of removal from Chex systems and the major credit bureaus.Please submit proof to me that this part of the initial case is taken care of
Revdex.com: Although I have completely different processing paperwork to prove the transaction dates, I will accept the business responseThank you for all of your help in this matter I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Ms. ***,Attached is our findings of the issue that was submitted to your office by [redacted] , ID # [redacted] . Our response was also sent to Ms. [redacted] via US Postal Service today, September 30, 2015. Please let me know if you have any questions or concerns regarding this issue.Thanks,Rose... S [redacted] ###-###-####
Thank you for your help 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 Regards, [redacted] ***
April 13, 2016RE: [redacted] Dear Ms***We are in receipt of your letter dated March 29, regarding an issue that was submitted to the Revdex.com by [redacted] The Revdex.com has assigned this as issue # [redacted] In Mr [redacted] statement he indicates that he was not satisfied with the response to his issue that was filed with the FDIC in April of He finds the bank's disclosure of Overdraft practices are confusing and feels that the bank failed to make him aware of how these fees are appliedMr [redacted] is asking that we waive his outstanding balance and re-establish his account to good standing.In researching, Mr [redacted] opened his account on September 22, at our [redacted] OfficeAt account opening, First Commonwealth provides all clients with a copy of the Schedule of Service FeesThis document discloses the bank's fees that may be charged to the account based on the activity of the accountAt the account opening, the client did not choose to opt- out of the overdraft practices, nor did he establish overdraft protection on his accountMr [redacted] was also provided a copy of the Electronic Funds Transfer form, disclosing the client's rights and obligations for specific transactions, types of transfers, frequency and dollar limitations that may occur on his accountMr [redacted] acknowledged receipt of this information on September 22, 2014.On March 4, 2015, an electronic check was presented for payment against Mr [redacted] ' account from ***l in the amount of $On this date, the account balance was $Since the check presented was an electronic check, it was paid and a paid-item fee in the amount of $was assessed the accountAs the account was not made current after the fifth day, the daily continuous overdraft fee began to incurMr [redacted] did not make a deposit to bring his account current.In reviewing the circumstances of Mr [redacted] ' transactions, it was determined that the account was handled properly and the fees assessed were in accordance with bank policy and practicesIn April of 2015, Cassandra C [redacted] of First Commonwealth had offered to work with Mr [redacted] to see how we could partner with him to bring his account back to good standingThat offer was not accepted by Mr [redacted] and he did not contact her to make arrangementsWe hope that this information provides additional understanding for Mr[redacted] regarding the handling of his account.Sincerely,Rose S [redacted] Executive Assistant to the President
Dear Ms [redacted] First Commonwealth is in receipt of the complaint filed by our client [redacted] regarding an outstanding balance due by AmazonFirst Commonwealth has inquired about the outstanding refund and have not received documentation as to when we can expect the refundWe still have a ticket open and are investigatingAs soon as we are provided an update, we will forward this along so that we can close out this issue for our client.In the meantime, if you have any questions, please feel free to contact me directly at [redacted] .Thank you,Rose S [redacted]
March 23, [redacted] Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220RE: [redacted] # [redacted] Dear Ms [redacted] ,First Commonwealth Bank (FCB) is in receipt of issue that was filed by Mr [redacted] ***In his summary, Mr [redacted] questions an unauthorized charge from a rental company, debit card reissuance, statements being mailed to the wrong address, unauthorized access to his checking account by another client, and a request for a refund of fees.Mr [redacted] notified FCB of an unauthorized charge to Payless Car Rental dated 1/17/in the amount of $FCB initiated a provisional credit on 1/18/18; place the funds back into the account while the charge was being investigatedOn 3/05/the provisional credit was reversed as Payless Car Rental provided evidence that the transaction was legitimate based on the contract Mr [redacted] signed.While the above transaction was reported as potential fraud, a new debit card was ordered for Mr [redacted] and shipped to the address on fileDuring transit, the client had changed his addressThe US Postal Service will not forward debit or credit cards, therefore the card was returned back to FCBOnce the card was received, FCB made arrangements to have it express shipped to the clientWe were not able to accommodate the 7-business day turnaround time due to the fact that we awaited the return of the new debit cardThe client verified receipt of the card and the card was activated.Mr [redacted] inquired how his mailing address was changed to a friend's addressIn March of 2017, FCB received an electronic postcard from the U.SPostal service noting a "Family Move" submitted by an individual residing at [redacted] **When processing this type of address change, all accounts associated with this address are changed as part of a family moveMr***'s account was changed to [redacted] until he notified us in January that he was moving to [redacted] **.Mr [redacted] indicates that his girlfriend is able to access the funds in his checking account although she is not authorized on his accountMr [redacted] and Ms [redacted] have a joint savings account that is titled in both their names; however, their checking accounts are solely titled.Ms [redacted] is able to access the funds from the joint savings account, not Mr***'s checking accountFunds were transferred from Mr***'s checking account into this joint savings account and Ms [redacted] was then able to remove the funds and place them into her checking account.The fees that were assessed Mr***'s account were in line with the terms and conditions that were disclosed to the client at account openingTherefore, since they were not the result of a bank error, FCB will not waive the feesFCB has maintained a professional relationship with Mr***; however it has become more and more difficult to service him to his satisfactionAt this time, we will close all accounts with an effective date of April 20, This will allow Mr [redacted] to make any necessary direct deposit changesIn these days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: [redacted] ***
: I had a dispute with them the only part not completed was proof of removal from Chex systems and the major credit bureaus.Please submit proof to me that this part of the initial case is taken care of
Revdex.com: Although I have completely different processing paperwork to prove the transaction dates, I will accept the business responseThank you for all of your help in this matter I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
Ms. ***,Attached is our findings of the issue that was submitted to your office by [redacted] , ID # [redacted] . Our response was also sent to Ms. [redacted] via US Postal Service today, September 30, 2015. Please let me know if you have any questions or concerns regarding this issue.Thanks,Rose... S [redacted] ###-###-####
Thank you for your help 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 Regards, [redacted] ***