American Savings Bank

Information from Credit Bureaus attached.

Subject: Re: You have a New Message from Revdex.com of Hawaii Regarding Complaint #[redacted]RE: Complaint ID #[redacted]Hello, I am writing to inform you that this matter has been resolved.  American Savings Bank has credited the fraudulent purchase amount of $312.46 into my bank account.  Thank you...

to American Savings Bank for reviewing my complaint.  To the Revdex.com of Hawaii thank your your assistance in this matter, I truly appreciate it.Sincerely,[redacted]

Thank you very much for this opportunity to address our customer’s complaint. We are trying to obtain additional information from the customer before responding. We attempted to call and email the customer with the telephone number and email address she provided, but have been unable to make...

contact. Can you please have the customer contact our Electronic Banking Specialist, Vangie, at [redacted]?

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 2  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 $5 every month to every costumer they have
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

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

Complaint: [redacted]
I am rejecting this response because:Thank you for the paperwork, but I still need a copy of when the secured [redacted] was closed, with the date it was closed on. My credit report is not up to date, and it reads that the card is currently active, accruing fees. Please send me that paper, so I can update my credit report.  
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because: Good eveningI filed a complaint about predatory fees few month ago....Today My bank account with American Savings bank was charged again the same fees of last time even if I did everything they asked me , so I fees on my account would not be charged.I wrote them and they answered, with an answer that shows me they did not even bother to look at my complaint.Doing business with this practices is called stealing at my house.I would like you to do something about it. It is about the principal not the $5.00 I would like my money back because there is no sense in paying for the same service twice.Thank you Best regards [redacted]
Sincerely,
[redacted]

Mahalo for this opportunity to reply to the customer’s Statement of the Problem. The company looked into his statement and established the following:
1. In order to open an account, one must agree to the company’s rules and fees. One does that by signing the signature card. The company’s...

dormant account rule and fee are the Personal Deposit Account Disclosures and Fees booklet and Personal Deposit Account Rules booklet that it gave to the customer at the time of account opening.
2. In March 2015, the company sent a Dormant Account Notice dated March 1, 2015, to the cutomer. Among other things, it says, “We would like to assist you in reactivating your account to prevent dormant fees. Please sign and return this notice . . . . Upon receipt of this notice . . . we will update our records . . . and will avoid dormant status . . . .”
3. In May 2015, the company sent a statement to the customer reflecting the assessment of the dormant account fee.
4. In June 2015, the company sent a statement to the customer reflecting the assessment of the dormant account fee.
5. In July 2015, the company sent a statement to the customer reflecting the assessment of the dormant account fee.
6. In August 2015, the company sent a statement to the customer reflecting the assessment of the dormant account fee.
7. In September 2015, the company sent a statement to the customer reflecting the assessment of the dormant account fee.
8. On October 26, 2015, pursuant to the customer’s visit to the company, he verified that that address on record with the company was correct.
Support for all of the above are available upon request.
Based on the foregoing, the company does not agree with the customer’s statement. Per the customer's desired settlement, the customer’s account is closed.

Thank you very much for this opportunity to respond to our customer’s complaint. When the customer initially opened his checking account, disclosures were provided to outline the rules and fees associated with his account. In December 2015, the bank did a one-time courtesy waiver of the customer’s...

overdraft fees, and reviewed the account rules and fees with him. Unfortunately, the customer’s account has been overdrawn since January 2016, and we have sent letters requesting that a deposit be made by February 26, 2016 to clear overdrawn balance. American Savings Bank has made every effort to be fair and accommodating to the address the customer’s situation.

The following message was sent to customer on April 1, 2015:
 
Effective May 1, 2015 the following changes will apply to the bill pay service fee.
 
·         Increase of the monthly service from $4.00 to $5.00 per monthly statement cycle.
 
·         The monthly service fee will no longer be waived if you process 3 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 $5.00 monthly service fee for May.

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.
The company was extremely quick to react to my complaint and took care of it on a Saturday which was unexpected. The manager of the Kahala branch explained to me that if I do a mobile deposit I'm risking the chance of it being held. So it's not a great idea to do this while traveling because you are notified by mail about the hold. 
Sincerely,
[redacted]