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B & K Enterprises Reviews (64)

Dear Revdex.com, I stated that they were suppose to do overdraft fees and also cover the amount Until July they were stating that there was a overdraft charge and would switch it to special handling fee still charging it in the amount of $30.00(The Overdraft amount) They only covered one overdraft fee from there and then still kept doing the overdraft fees labeling them as Special handling fees The agreement states that they would only charge the fee if the amount overdrawn were to be covered by the bank Two of their own employees explained the fees as overdraft as seen in the Message detail and the adjustment on the bank credit The program I signed up for was to enable coverage of the overdrawn amount which they did not do until July Every instance before they would charge me for the overdraft(Not Special Handling fee) and never incur the amounts owed even when certain transactions were one day behind in covering the amount being debited. Please let me know if this copy was eligible

Please see attached letter to customer. The bank has been trying to contact the customer by telephone to clarify the issues she has raised in her complaint. To date, the customer has not contacted the bank

Please see attached bank response

Please see attached bank response. Thank you

Dear Mr***We are in receipt of the complaint you submitted to the RevDex.com of Hawaii, Inc(Case # ***) on or around August 25, 2015, regarding your credit card account with us.According to our records, you applied for your First Hawaiian Bank *** MileagePlus
credit card online on or around June 8, When you submitted your application, you were required to acknowledge and agree to the disclosures, which stated that the Foreign Transaction Fee applicable to your card is "2.5% of the U.Sdollar amount of any Purchase or Cash Advance made in a foreign currency." Additionally, the agreement applicable to the *** MileagePlus credit card, which also included a description of the Foreign Transaction Fee, was mailed to you with your card.Our records also show that you contacted us on August 13, claiming that you did not know about the foreign transaction fees applicable to your account and asking that your account be closedAs described above, it was explained to you that you were provided infonnation about the foreign transaction fees applicable to your accountFurther, your account was closed on August 13, 2015, per your requestLater that evening on the same day, you sent us a message, via our web site, again claiming that you did not know about the foreign transaction fees applicable to your account and that your account was not closed as you had requested You received a response from us via email on August 20, 2015.To clarify, you did not receive the miles associated with your final transactions because your account was closed per your request and before the miles could be addedAs a courtesy, we can follow up with *** to make sure you get the miles associated with the purchases included in your July 20, to August 19, statement.We trust that this resolves all of the issues in your complaint.Sincerely,Pauline A***Vice PresidentCard Services Division

Complaint: ***
I am rejecting this response because:
Today, August 9, 2016, I have dropped my car off at ***
***
Repair, which required a one week advance reservation, for a repair
estimate
I have received a call at about pm by a mechanic at ***
*** *** that this car needs to be taken to the *** Dealer for the
computer repairAs such, the mechanic have stated that an estimate can not be
done since the major *** must be done by the *** Dealer and suggested
that the cost may not be worth itHence, I have gone to pick up the car at
pm and the mechanic wrote me some other suggested repairs and he had mentioned
that the sensor on the left front wheel seemed to be the only new repair
replacement done recentlyThe mechanic at *** *** *** have stated that
there was no other repairs/replacements done to this car recentlyFurthermore,
the mechanic have stated that the sensor on the front left tire was installed
wrong
Please note: Hawaii
Law Section 437B-1, Hawaii Revised Statues that states that the *** dealer
is by law required to provide me with an invoice or work order, including any
parts supplied for the repairs
As I have mentioned, *** *** *** is refusing to
provide me with any payment receipts and they are refusing to provide me with
any invoice or work order, including any parts supplied for the repairsHence,
I can not get any mechanic to corroborate the *** *** Repair
As such, I am requesting for you, the merchant bank, for
help in getting some paper works like receipts, invoice, and etcCould you not
ask *** *** *** to provide the receipts and invoices as required by
law? or would you just agree with your staff on stating "This is a legal
matterThis is not a bank matter."
Correct that, you have made it to a whole paragraph on your
response in stating that you do not offer customer support, and you do not
offer credit card fraud protection
Because *** *** *** refuses to provide me with the
payment receipts nor work invoices nor any other paper work, I am not able to
get the *** work corroborate it as you require*** *** *** is not
providing me with any paper works because their *** work is a fraudThey
know that I can not get their work corroborate it by another mechanic since I
have no paper work from them and you have no fraud protection to this
I have in the past asked other credit card banks to provide
me with the receipts and invoices from the vendors when I see a strange charge
and they do ask the vendors and they do
provide copies of the receipts and invoices for meHowever, you do notThis
seems very strange
Sincerely,
*** ***

This letter is in response to your complaint filed with the Revdex.com of Hawaii, Inc(Revdex.com) dated 7/27/2017.FHB Online Bill Payment is an individual service that is completely separate from your Totally Free checking accountThe title Totally Free checking means you will not have
a 'monthly service charge' on your specific checking account and you do not have to maintain a minimum balanceThe other checking account types offered do have a monthly fee and a minimum balance requirement.When enrolling for the Bill Payment Service each customer is required to accept the Terms and Conditions that state the fee of $for the service which is charged to the checking account whether or not a payment is made each monthAs a courtesy First Hawaiian Bank advised that the bill payment feature will be removed and the monthly fee of $charged on 6/and 7/would be reversed and credited back to your checkingAlso, as courtesy a credit of $would be credited to your checking account for the $overdraft fees and $continuous overdraft fee that were charged to your account for your transactions that posted against insufficient funds You may continue to use your online access to view your account information at no charge.We trust that this response is satisfactory to youShould you have any further questions, please feel free to contact me at *** ***

Dear Ms*** ***:
Thank you very much for your timely and informative response
Unfortunately, I do not presently have any document from the Court (or Government Agency) that specifies that my physical disability exempts me from Judgments. Nor was I aware that any such document would potentially be available to me short of filing for personal Bankruptcy protection from the Court. Which is exactly what I am trying to avoid. Which is also why I initially contacted the Revdex.com with hopes of possibly finding some other reasonable alternative. Nevertheless, filing Bankruptcy may be the only feasible alternative remaining for me at this point
In consideration of the aforementioned facts, it would now seem appropriate for the Revdex.com to close out this complaint
Thank you again for your consideration regarding this matter
I was sincerely appreciated
*** ** ***

I spoke with Mr *** *** today to discus his service experience at Hilltop Camper and RV of Brainerd. We agreed that much of this could have been avoided had we been able to receive the correct parts in a more timely manor from Forest River, but I also felt that we had made some mistakes
as well. Our biggest mistake was to not check the parts completely prior to *** bringing his trailer back for the repair only to find we had received the incorrect parts from Forest River once again. I agreed to pay the ***'s the $requested for their time and fuel and left my direct phone number where I can be reached to further discuss this at any time

Complaint: ***
I am rejecting this response because:I cannot open the PDFCan you send in word please?
Sincerely,
*** ***

This letter is in response to your complaint filed with the Revdex.com of Hawaii,Inc(Revdex.com) dated August 8, 2017.I apologize that this situation was not handled to your satisfaction We
take incidents like this very seriously I have been unsuccessful in trying to contact
you by phone and email to gather additional information as requested in your complaint.I met with the branch staff and discussed how this situationshould be handled in the future.We trust
that this response is satisfactory to youShould you have any questions, 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. However, I do wish to know when the check was sent out and when I can expect to receive the check.Sincerely, *** ***

I
am responding to a complaint initiated by Mr. [redacted] regarding a vehicle
that was towed by our company.  There is
some confusion as to Mr. [redacted] complaint in that he is not the owner of the
vehicle in question, and we are unclear as to his connection to this
vehicle.  I would,...

however, like to
respond to his complaint about this vehicle and clarify some of his
misconceptions.A
[redacted] was towed at the direction of the Richmond Police Department on
October 24, 2016 as an abandoned vehicle. 
This vehicle had been tagged by an RPD officer as abandoned on October
20th, and had remained in the public right of way for a minimum of
four days prior to being towed.  Mr. [redacted]
has implied that someone on our property had gone through this vehicle, removed
the gas cap and siphoned the tank. 
Vehicles in our possession our kept in a secure facility under the
surveillance of our personnel and video monitoring.  No one on our property siphoned the tank or
went through the vehicle.  It is
significantly more likely that this occurred while the vehicle was sitting
abandoned on a public street for at least four days with two flat tires.Although
Mr. [redacted] was not allowed to pick up this vehicle on a Saturday, he was not
charged any additional fees due to the delay. 
He was charged the same rate on Monday that he would have paid if he had
removed the vehicle on Saturday.  He
stated that he looked at our website prior to coming to our facility.  On that website, we detail the hours for our
facility and “strongly recommended that you call ahead if you wish to pick up
your vehicle outside of normal business hours.” 
If Mr. [redacted] had simply phoned prior to coming out on Saturday, he could
have saved himself a wasted trip or we could have moved the vehicle to an area
that was more accessible.  We have a
large facility and this vehicle was kept in a part of our property where we
place vehicles that tend to stay for a longer period of time.  The additional security on this part of our
property is for the protection of these vehicles and the possessions they may
contain.Mr.
[redacted] also complained about the first credit card he submitted for payment being
rejected.  After speaking with our credit
card processing company, it appears that card being “rejected” was an operator
error on the part of our dispatcher.  The
transaction was approved and put on hold, but never processed.  Most likely, the dispatcher removed the chip
card from the reader prior to it being fully processed.  I apologize for any inconvenience this may
have caused.  Finally,
Mr. [redacted] claimed that the front and rear license plates were ripped from the
bumpers.  Since Mr. [redacted] did not bring
this to our attention prior to leaving the property, it is difficult to
investigate this part of his complaint.  I
am able to see from our video system that there was a license plate on the rear
of the vehicle as it left the property. 
This evidence damages the credibility of Mr. [redacted] statement.  Since Mr. [redacted] has
not requested a specific action, it would appear that his complaint is simply
rooted in the fact that he was towed by the police department and was unhappy at
having to pay to recover the vehicle. 
This vehicle was left abandoned on a city street with two flat tires for
at least four days.  Since Seibert’s
Towing does not tow abandoned vehicles without specific direction from the
police department, the proper venue to contest this tow is through the City of
Richmond.

Dear Ms. [redacted]: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• U. S. Military 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]

First Hawaiian Bank has taken over a month to send a title
after an auto loan was paid off, and has lied on multiple occasions about
timeliness and when the title was sent. I still do not have the title, we
cannot afford to pay off another loan since our original buyer backed out after
a...

month,  and it will be difficult for me
to find another buyer since I am a full time student and my husband is
deployed.Background: My husband was attempting to sell his truck
prior to deployment and put it up for sale early August, 2015. He found a buyer
by the end of the month, and decided to pull out a loan from his current bank
to pay off First Hawaiian and have the title sent to us. Overall, we started the process on August 31st,
2015, they received the money September 4th, and as of today
(October 7th, 2015) we still do not have the title. I was apologized
to but it is too late! The loan payment is due October 10th, and
since I received confirmation this morning that the buyer is no longer
interested (understandably), we cannot afford to pay it off. My husband and I
basically live paycheck to paycheck since I’m a full time student, and the little
savings we do have is going straight to the loan, which only covers ~1/5.
Because of First Hawaiian dragging their feet, I’m dreading the immense amount
of interest that will accrue until we find a new buyer. This will also be
incredibly difficult as I am living by myself in south east Louisiana while he
is deployed, and feel incredibly unsafe allowing others to test drive his truck…
especially after meeting some of the potential buyers while he was still here! Throughout the process, if the loan department was
unavailable for my call (multiple instances due to working with another
customer or the wrong hours), customer service asked me to leave a message and
was told I would get a call back – which only happened once. I spoke primarily
to two individuals, one of which was VERY rude and disrespectful, the other was
much easier to talk to and work with, but she also gave false information.  I was asked for the power of attorney since
the loan was under my husband’s name, and it took 3 attempts until they got the
fax! It was difficult and costly for me to send by fax so I requested several times
to send a scanned copy over e-mail, but they REFUSED that form of
correspondence, for a reason I am not aware of. The majority of the experience is listed below (I will
provide the names of who I spoke to when if required):My husband called First Hawaiian to begin the process August
31st, was told he needed to mail in his change of address, which he
did so with the check by overnight mail on September 1st. He also
called on September 2nd and 5th, and was told the process
should take about a week. He deployed shortly after.September 15th:  I called to check on the status and was told
that there was a 10 day waiting period before any paperwork was sent out, and
since they had received the money on September 4th, I was assured
that the title would be sent on September 18th. September 28th: I still have not received the
title and was told that it was sent September 24th. The individual
did not know why the title was sent 6 days late, but insisted it was in the
mail. Was informed there would be a fee to have another title sent. In
addition, the buyer is very frustrated but agreed to wait until September 30th.September 30th: No title, called to have a copy
sent, was asked to wait until Friday to see if the original showed, and if not
they will order a new copy.October 5th: Still no title, demanded a copy be
sent that day just in case the original was lost in the mail, was told that I
would be called back once her supervisor approved it. Never received a call.October 6th: Called and same individual said she
would walk it to the appropriate office at that moment and they would call once
ready. Never received a call so I called back by 4PM HAST, was told it would
still be ~a week until I got the new title, but [redacted]it was confirmed that the
title was sent out September 30th[redacted]. This was same person who told
me it was sent out on September 24th, and when I ask why I was given
incorrect information – the person did not have an answer except for “short
staffed.” At this point I asked to speak to a supervisor, who apparently had
just heard about the situation and gave a long apology and was told it will be
taken care of and a copy will be sent this week by certified mail.October 7th: Received notice from the buyer that
he was no longer interested. Still don’t have the title.The business practices illustrated by First Hawaiian Bank
are completely inexcusable, and have induced an unneeded amount of stress and
monetary cost. At this point, I am hoping some sort of compensation will be
offered to cover the cost of the interest until the truck is sold or paid off,
which should have been done several weeks ago.Please let me know if there is any confusion or if
additional information is required.Regards,Jerilyn M[redacted]

Complaint: [redacted]
I am rejecting this response because: I see either a double standard of how this financial institution works or false 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 reason. The Message Detail shows that I was being charged for Overdraft according to their specialist.       
Sincerely,
[redacted]

We received your latest correspondence to our response, dated August 29, 2016. 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 $30.00 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 $75 posted to your account.3/30/16•The check was returned due to insufficient funds and a $30 special handling charge was assessed.3/31/16•The same [redacted] check was resubmitted .4/1/16•The 3/31/16 check was again returned due to insufficient funds and a $30 special handling charge was assessed.4/1/16•A $30 bank credit was posted as a special handling charge courtesy reversal.4/14/16•A debit charge from [redacted] for $30 posted to your account. This 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 $50.00 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 $30 special handling charge.5/10/16•Your account was overdrawn for more than 7 calendar days so a$10 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 $649.13 for two previous debit card purchases you made ($641.58 - [redacted] &$7.55 [redacted]) which caused the available balance to be overdrawn.•A $30 special handling charge was assessed .7/1/16•ATM deposit of $100 was made earlier in the day but was latercorrected to $1 as the actual deposit amount and, therefore, the account was debited for $99 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•$90 in special handling charges were assessed for the 7/1/16 debitcard transactions mentioned above, which caused the account to go overdrawn.•A [redacted] check in the amount of $25.00 was also posted to theaccount.7/6/16•The 7/5/16 [redacted] check transaction was returned due to insufficient funds and a $30 special handling charge was assessed.7/8/16•The same [redacted] check was resubmitted .7/11/16•The 7/8/16 [redacted] check was again returned due to insufficient funds and a $30 special handling charge was assessed.7/12/16•The account was overdrawn for more than 7 calendar days so a$10 Continuous OD fee was assessed.8/3/16•A new [redacted] check in the amount of $50.00 was posted to the account.8/4/16•The 8/3/16 [redacted] check was returned due to insufficient funds and a $30 special handling charge was assessed.8/8/16•The same [redacted] check was resubmitted.8/9/16•The 8/8/16 [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 $286.97. I attempted to contact you to provide further clarification at the phone number you listed with the Revdex.com, but your mailbox was full. Please do not hesitate to contact me at [redacted] if you have any questions.

Subject: Complaint #[redacted]     To whom it may concern,   Please be advised that my issue with First Hawaiian Bank has been resolved. They acted on it as soon as they received the complaint from you and I received the title and check for the overpayment today. Thank you very much for...

your help!   [redacted] Sent from my [redacted]

Attached is the bank's response.  Thank you.

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 $30.00 in their policy.  The total is close to $300 when all estimates come in.  That is around the same amount the charged off my account for. . .

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Address: 2605 S Thompson St, Springdale, Arkansas, United States, 72764-6353

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