B & K Enterprises

Dear Mr. [redacted]:We received a copy of the complaint that you submitted to the Revdex.com ("Revdex.com") on September 26, 2016, regarding your auto loan described above. Your complaint noted that the loan has been paid off, and your car title was not received.Your loan was paid off on August 2,...

2016.  On August 17th, you made a special request through our Guam Dealer Center to send the title to your new address in California.  To personally accommodate your request, and to ensure that the title went to the correct address, the title was routed to the Guam Dealer Center.  The Guam Dealer Center forwarded your title and otherloan documents to the [redacted] address on August 21, 2016.We apologize for any frustration or confusion you may have experienced before our phone call on September 26, 2016.  During our phone call on the 26th, I hope that I successfully clarified that your title was enclosed with the Bank's letter and contract, which you confirmed that you received prior to our conversation.   For reference I've attached a copy of the title, which has11 Certificate of Ownership" at the top. This document is the only document that the Guam Motor Vehicle Division issues when the lien is released.We value your business and thank you for the opportunity to address your concerns.  Please contact me at [redacted], or the e-mail address I provided to you on September 26, 2016, at [redacted], if you have any further questions or concerns

Complaint: [redacted]
I am rejecting this response because:
      This response shows that they do not hold to their
agreements put in place during the term of engagement.  I have attached a
message regarding the 5/27/16 conversation by Cherie M[redacted] in the middle of the first page





where they don't call these
charges, "Special Handling Fees" but overdraft fees and I see
adjustments made to my account sometime after changes the name of the
overdrafts.  They also are with holding the evidence of the Overdraft
fee request that was reversed as an overdraft fee reversal.  The amount
of an overdraft fee is $30.00 which is a strange coincidence.  They
don't say what amount a special handling fee is throughout their
material either.  I would like for the,"Overdraft Fees" to be taken off
my account and given the adjustment.  This was a deceptive practice that
will get reported to a higher source of government if this sense of
delusion continues with this financial institution.  My reimbursement request of $300.00 in unexplained Overdraft Fees standsThey are labeling Overdraft fees as Special Handling fees allowing unjust enrichment.
Sincerely,
[redacted]

The bank's response to this complaint is attached. Thank you.

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I will rebut the response with the following facts to business improprieties that Mr L[redacted], naturally, would not admit to their wrongdoing. His claims to any of my misconceptions is just a smoke screen, and, to clear Mr. L[redacted]s confusion, the owner of the vehicle was present at the time of this transaction. I am the one who paid the fines.
Don't let Mr. L[redacted]s first 2 paragraphs detract from his exposed fraudulent activities. Let me make this very clear, how the car got towed has nothing to do with what Mr. L[redacted]s company did to the vehicle.
1--We called his office on Friday and was advised we could come and get the car.-Period--Mr. L[redacted] might not have been told the truth by his employee. He does nothing to show proof to the contrary--only words to the contrary.
2-- I will reiterate that although there is no distinction to the common person to what Mr. L[redacted] refers to as 'secured' from one of the other 'pens'--there was no mention of this on their website, nor when we called to pick up the car.-- He mentions in his letter that he does not know if the cap was or was not taken while the car was in his lot, he only offers a guess. Plus, why would he acknowledge thievery on his property?
2. The license plates that were ripped from the car- (Note--It was observed that many of the other cars in this 'secured' lot were also missing their plates as well.) However, Mr L[redacted] claimed to have seen the car drive off with plates on, (of course he did) He tries mentioning this as damaging the credibility of my claim, Unfortunately, this is another stupid defensive response to a bad situation they have there--I'm sure he knows that a license plate has to be affixed on the car so that it could be driven on the street--so we devised a way for the plates to be on until they could be properly affixed, when we drove off. Another flailing, empty excuse only to discredit the complaint.
Lastly--the credit card transaction is what really seems to be the big fraudulent activity which Mr. L[redacted] blows off in one sentence, with an apology, which is not acceptable......this credit card transaction was a blatant attempt to have us, the consumer, come back--maybe on another day? Maybe with additional charges? Considering the amount of daily transactions this towing place does, the fact that an employee didn't operate the card reader correctly is another defensive statement that does not make sense, nor does it address the underlying problem with this business--which Mr L[redacted] is clearly a willing participant in. Mr. L[redacted] ends his response with another statement about how the car got towed, which was not in my complaint. So,I wont get into the cozy relationship they have with the city of Richmond Police dept--who get a piece of the towing action.

We received your complaint which you sent to the Revdex.com on August 26, 2016.In your complaint, you indicated that you were being assessed a special handling fee when your check(s) were not paid. You also indicated on the Revdex.com form, that the 1'Product/Service" was ({Overdraft...

Protection".If you write  a check or make an electronic funds transfer  (such as an ATM withdrawal  or electronic  payment)  for  more  money than  you  have in your  account, you will  be overdrawn. We may pay or refuse to pay the check or honor the funds transfer.   Either way, a special handling charge  may be assessed.   I have enclosed  a copy of the schedule of charges provided to you  at the time you opened your  account.   I have also  researched your  account, and this account  did  not  have  overdraft   protection.At this time, we are not able to reverse any of the special handling charges. Your account was closed on August 19, 2016, with an overdraft balance of $286.97.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

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 website. I have already done...

that. Last
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 data. The 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 selected. I regularly visit over 50 websites, many financial and
online shopping sites, and ALL of them allow my computer to store the
password I have selected. This 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 varies. What you end up with a gobblygook combination that you
couldn't possibly remember and half the time you can't even type
correctly. This 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 website. My 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 password. THAT 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 website. This is sensitive
information, enough for identity theft. I don't know who can access
to this sensitive data I am required to provide as part of the log on
procedure. There are nefarious characters that regularly troll the
internet trying to glean sensitive information like this in order to
steal my identity. IT IS NEVER A GOOD IDEA TO SEND SENSITIVE
INFORMATION LIKE THIS ACROSS THE INTERNET. If the Democrats' email
can be hacked, they can probably hack this poorly designed website or
the line on which it is being transmitted. I 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, worked. They recently added this link, but it goes
nowhere. I 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 Ms. P[redacted] not Mr. P[redacted].
I've been a customer of the bank for 17 years. Its 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
800 help line who also knows nothing about getting onto this
website. If 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 rewards. Instead FHB has only succeeded in frustrating and
antagonizing me. $50 should cover it.
Sixth, the website needs a person at
the 800 number to help consumers get onto the website if there is a
problem, for example if they are locked out as I currently am. I
should not have to file a Revdex.com complaint in order to get someone to
help me. The travel agent who is currently the only person at the
800 number knows nothing about getting on to the website.
Sincerely,
Rory P[redacted]

This letter is in response to your complaint filed with the Revdex.com of Hawaii, Inc.(Revdex.com) submitted on June 20, 2017, where you requested your account number and a means tomake payments.Your complaint was referred to me, and I would like to apologize for any inconvenience...

andfrustration you experienced. I hope that all of your needs were met and addressed during yourconversations with Ricky P[redacted] on June 22nd and 29th I understand he provided you with youraccount number, monthly payment amount and next due date on the 22nd, and that heconfirmed with you on the 29th that you received the automatic payment authorization form anda coupon booklet.We look forward to serving you in the future. If you have any further questions or concerns,then please contact me at ###-###-####, or Ricky P[redacted] at ###-###-####, and we will behappy to assist you.Sincerely,Parm S[redacted]Vice President & Manager[redacted]
[redacted]
[redacted]

[redacted] 
[redacted]
[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 me. I 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]

Please see the attached bank response. Thank you.

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, 2016.  It was
subsequently released 18 days...

later on June 28, 2016.  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 $2,000.  According to NADA
guidelines, a [redacted] similar to Ms. [redacted] would have a clean
retail value of $2,425.  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 18 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.

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]

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, 2004. 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 agreement. As 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 $50,000. A card with a $10,000 limit was issued to you and a card with a $40,000 limit was issued to [redacted] at the time of approval. Due 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, 2009 and renewed on March 4, 2015.Most recently, we sent you a letter dated October 2, 2015 after we received your $1,000 settlement offer. At that time, we explained to you that we would not settle for that amount. We expressed our willingness to work with you to help resolve the situation by accepting monthly payments. As 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 judgement. If 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]

Please see attached for the bank's response.  Thank you.

This letter is in response to your complaint addressed the Revdex.com of Hawaii, Inc.The $30.00 fee and the debit for $16.68 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, 844-3842

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.My vehicles maintenance was in perfect running condition before it was towed and after picking it up from your company I found out that someone tampered with my engine and now you're denying that was possible. I would like to know what officer followed the driver from W. 20th St. to your shop because my step brother was an officer and said he's never heard of an officer following a tow truck to their lot and that it is very easy for the driver to pull over and do things to the vehicle. It doesn't take long to unscrew an oil filter and it didn't just fall off. 
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

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]

Seibert's Towing acknowledges receipt of the complaint from Mr. [redacted] regarding the towing of his [redacted]. I am in agreement with the statement from Mr. [redacted]' s mechanics that oil filters do not simply fall off a vehicle if they are installed properly. What he is failing...

to acknowledge, however, is that there is absolutely nothing in the towing process that would cause a properly installed oil filter to dislodge from the engine. The towing process involves hooking to the frame and/or suspension of the vehicle being towed. At no point do we connect to any engine components in order to tow a vehicle. Another factor to consider in this claim is whether or not someone has tampered with the vehicle by removing the oil filter. The vehicle was towed in the presence of a law enforcement officer from the Richmond Police Department, so no tampering could have taken place at that time. In reviewing the tow process, the time parameters between the vehicle being towed and transported are consistent with a direct route to our facility. In other words, there was no side trip or extended time delay where the vehicle could have been tampered with. The video surveillance while the vehicle was on our property does not show anyone approaching the vehicle other than the owner when it was picked up. There is no evidence that anyone tampered with the oil filter on this vehicle during or immediately after the towing process.While I sympathize with Mr. [redacted] difficulties, he has produced no evidence that these damages are due to towing. I suspect that the oil filter was not installed properly and that it fell off at some point,but that is a matter between Mr. [redacted] and his mechanic. We accept no liability for damages related to this complaint.

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 Revdex.com of Hawaii Regarding Complaint #10782726Dear Miss [redacted], I would just like to ask, if possible, if I could add a note, I just saw the status of it as below...Answered- Revdex.com 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]