Bealhen Construction, Inc.

We are in receipt of your follletter to the Revdex.com and wish to inform you that our position remains unchanged.When you established your account with us, you were provided with a disclosure packet covering the terms, conditions, and fee schedule governing your accountIncluded in this disclosure were documents titled "Welcome to the Family" and "What You Need to Know about Overdrafts and Overdraft Fees" both of which disclosed your account would be charged $for each item we pay even though you do not have enough money in your accountWe will not charge an Overdraft fee if the items we pay are $or less or result in an overdrawn balance of $or lessWe will also limit the number of per item Overdraft fees we charge on this account to per monthEnclosedplease find an additional copy of these disclosure documents for your review.In order for our customers to be truly successful in managing their account and avoiding the disclosed account related fees, we suggest you maintain an accurate transaction record of your accountNever initiate a transaction in anticipation of a deposit until the funds have been posted to your account and are reflected in the available balanceThe account will not be assessed an overdraft or non-sufficient fee if at the time you write a check or otherwise authorize a payment from your account, there are sufficient funds on deposit to cover all previously authorized outstanding debits as well as the new transaction being initiated.As you are aware, we offer several account monitoring tools such as online banking and mobile banking to assist you in reconciling your account and tracking your available balanceYou may also wish to enable text alerts to receive notifications of when your balance has fallen below the designated amount as a means to avoid unwanted overdraft fees.When we listened to the recordings of your October 7th phone calls, we found our representatives were attentive to your concerns and courteous during the course of the callWe consider this matter closed

We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.While researching your concern, we had the opportunity to listen to the recording of your June 22, phone call to Customer SupportDuring that call, you mentioned
your belief that our Mobile Banking application was providing inaccurate information which led to fee assessmentOur representative reviewed your account activity with you (including those transactions which resulted in the recent NSF fee assessment), and explained the posting process associated with POS purchases made with your debit cardShe also asked you if these transactions were initiated and authorized by you to which you acknowledged that they wereYou subsequently requested to speak with a supervisor and your call was transferred accordinglyThe Supervisor further detailed this information and also provided information concerning the posting of electronic (ACH) debits which are initiated directly with a third partyWe have provided some additional information regarding these processes below.To summarize, pre-authorization requests initiated by a merchant when you use your debit card at a merchant terminal will appear as pendingSome pending hold times may vary based on the transaction typeTypically these holds are for the amount of the actual purchase, but in some instances they may be for a different amountThis usually happens at hotels, gas stations, restaurants and any place where you can run your card before the final transactionMost merchant systems will provide for these holds to drop off when the actual transaction is presented for payment and clears your accountIf for some reason the authorization request was not properly coded by the merchant, we terminate the hold after three (3) banking days, with the exception of rental card preauthorization holds which are terminated no later than business days after preauthorizationJust because an item receives a pre-authorization hold does not guarantee that the item won 't generate an overdraft fee when it clears your account.Please also keep in mind that the Available Balance shown will not reflect: as pending, any outstanding checks you may have written or any electronic (ACH) debits you may have authorized directly with a third party, allowing them to debit your account using the account and routing numberThese types of transactions will not reflect on the transaction history until they are actually received for payment by the associated merchants and posted for final payment.Our records show you initiated the $transaction to Bien Mur Travel on June th at approximately 5:1p.mGas purchases initiated at the pump will have a pre-authorization hold time of one hourThe pre-authorization hold expired at approximately p.mand therefore was not reflecting against your available balance until the merchant requested final payment on June 20th We appreciate that you utilize our free Online/Mobile Banking services to review your account activityYou may set up text or email alerts for your account balance informationWe recommend that you maintain a transaction register, noting transactions as they are initiated, and frequently reconcile that register with the information provided through these above-referenced sources to assist you with avoiding unwanted overdraft or NSF fee assessment moving forward.Should you require further information or assistance in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat, or you may contact me directly at ***

Thank you for returning my call to discuss the concerns outlined in your letter to the Revdex.com.As a result of our phone call, your unauthorized debit activity claim ending in *** has been withdrawn and a notice outlining this action has been mailed to your address on fileAnother
copy of this notice is enclosed for your reference.Also enclosed with this letter is a document titled, "A Clear and Concise Guide to the Power Checking Account" which was provided to you at the time of account openingThis document outlines the method by which overdraft, NSF, and negative balance fees are assessed to an account.Please note that your account ending in *** remains overdrawn with a balance of -$During our call, you stated you would resolve the overdraft in the accountYou may do so by visiting any of our branch locations or mailing a check or money order to:First Convenience BankAttn: Mail Teller*** *** ***
*** ** ***

Please see attachment for a copy of our response. Dear Ms***:We are in receipt of your recent letter to the Revdex.comWe are sorry to learn that your recent visit to our banking center did not meet your expectations or our desired standard of service.We shared your feedback
with District Support Manager *** who immediately contacted you by phone to discuss your experience at our banking center, and the assessment of the non-sufficient funds (NSF) fee on July 14thIn an effort to resolve this matter amicably, *** credited your account ending in *** with refunds totaling $34.00, and provided you with her direct phone number so you may contact her should the returned check result in a merchant fee.At the conclusion of the call you indicated that your concerns had been addressed satisfactorilyShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback Form, participate in Live Chat, or send a secure message through Internet Banking

Please see attachment for our response.We are om receipt of your letter to the Revdex.com (Revdex.com)We are sorry to learn we provided you with the incorrect account number when you visited our banking center located at *** *** *** ** *** **We thank you for giving us the opportunity to
take corrective cation and for continuing your account relationship with us. During a research of your concerns, we found when you visited the Azle banking center on May 12, 2015, Assistant Branch Manager *** provided you with two options to resolve your concerns regarding merchant billingThe first option was to transfer funds from your account ending in *** to account ending in *** to cover the merchants' debitsThe second option was to contact the merchants on that day nor were the merchants provided with the correct account number as they continued to collect payment from account ending in ***.Your letter to the Revdex.com was shared with *** *** *** who you called by phone to address your customer service experience at the banking centerIn an effort to resolve this matter amicably, additional refunds of $were credited to account ending in ***At the end of the phone call, you stated you were satisfied with the resolution and would notify the Revdex.com your complaint has been resolved.Should you require further information or assistance, you are welcome to submit a Customer Feedback form, participate in Live Chat, or you may send a secure message through Internet Banking. Sincerely, *** ***
*** ***Real Time Service Center

A copy of our response to this case has been attached for your records

Complaint: ***
First
National Bank - Texas
*** *** *** *** ***
*** *** *** *** ***
*** * *** *** ***
** ***
USA
November
Attention: Bank Manager
Subject:
Beneficiary denies payout of Wired Funds
Good day,
First and foremost: Thanks for the response and information on the matter
I have one more Quest and assistance required in this regard
The Beneficiary
Account Holder at your Bank was:
*** ***
*** *** ***
*** *** ***
Account Number: ***
We would you be so helpful to me and the Bank here; to provide us with a Copy of the Transaction Document(s); which were used
and signed to conduct this Transaction with regard to the withdrawn of the
Funds
In addition; I would
like to know the exact Date as to when the Funds were released and withdrawn by
the Beneficiary
Also, please state
whether this Account was close on instructions of the Account Holder; or if
your Bank had close this as a result of some reasonPlease state all
I thank you in
advance and trust that you would respond as soon as possible; as your
Information are of the essence here
Yours truly,
*** ***
E-mail: ***
Mobile Phone: *** * ** ** *** **
***,
***

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
Except the fact I was NOT given any options of resolution on the day my account was fixed! I had to ask myself what I should do and I was told to repay my bills! So whoever said I was given options, lied! Thats very unprofessional! And also my account was closed but im still receiving e statements so im hoping I dont get screwed over againUnless it takes a while for my account to close for good?
Regards,
*** ***

Attached is a copy of our response to Mr***.We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.On March 31, 2016, we provided you written notice (copies enclosed) that we were closing your accounts ending in and
effectively immediatelyHowever, we show the account closure process did not commence until April 5, when we issued cashier's check *** for $representing the remaining balance in account -During nightly transaction processing on the same day, check number *** for $presented for paymentIn error, we returned the item as "NSF" and assessed the disclosed $non-sufficient funds handling fee.The following day, we closed account ending in *** by depositing cashier's check *** to cover the negative balance and issued cashier's check *** for the differenceDue to our error, we have processed refunds totaling $representing the $NSF fee, $cashier's check fee and $return fee you incurred from the depositor; enclosed is cashier's check *** for that amount

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI still feel that to have to file a complaint through the Revdex.com is ridiculous to have some fees waivedThe savings account was not able to be resolved by FCB and I'm still out of more than $100.
Regards,
*** ***

It was my pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.comThank you for providing me with a copy of the letter of error from Amazon. As discussed, we have processed refunds totaling $to your account ending in ***; $
represents the fees we assessed due to the merchant's error, $was provided to you as a good will gesture to resolve this issue amicablyThese refunds restored the account to good standing. At the conclusion of the call you stated your concerns were resolved to your satisfactionShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat, or you may contact me directly at ***

Complaint: ***
Please send me your response in a correct pdf format as I am unable to open this format
Regards,
*** ***

Please see attachment for a copy of our response to Ms***.We are in receipt of your letter to the Revdex.comWe understand it can be frustrating when you do not understand all of the provisions of your account relationship so we appreciate the opportunity to respond to your
concerns.We show you established a Power Checking account through our website on January 11, At that time, we provided you with a disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with usIncluded in this disclosure were documents titled "A Clear and Concise Guide to the Power Checking Account" and "Banking Services/Fee Schedule" both of which outlines all account related service fees including the monthly maintenance fee, and negative balance fee.As outlined in these disclosure documents, a $Monthly Maintenance Fee is applicable unless you:Maintain a balance of $or more each day, orHave a monthly recurring direct deposit of $or more post and clear the account(Internal transfers from other FNBT/FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee), orComplete at least eight (8) debit card purchases that reflect on your monthly statement(ATM transactions do not count towards the eight (8) debit card purchases).This information along with additional details concerning the negative balance fee can be found on our website at www.lstcb.com, click 'Personal', click 'Checking Accounts', and select 'Power Checking'.To assist customers who establish an account for less than the required minimum balance, we automatically waive the monthly maintenance fee during your first monthly statement cycle, and include a second disclosure document of the account requirements with your statementWe show you were given these courtesies during your January statement cycle.A further search of your account history shows during your February statement cycle, you made frequent use of your account by completing debit card transactions which assisted you in avoiding the monthly maintenance feeHowever, during your March statement cycle, you did not meet any of the qualifiers to avoid the monthly maintenance feeThis resulted in the assessment of the monthly maintenance fee of $which overdrew the accountBecause the account remained negative for six (6) consecutive banking days, a $negative balance fee was assessed on March 26, Enclosed, please find copies of your January to March account statements for your reference

We are in receipt of your letter to the Revdex.comWe understand it can be frustrating when an unexpected fee is charged to your account so we appreciate the opportunity to respond to your concerns.We received your selection of no overdraft privilege on December 7, This means we
will return any check or electronic (ACH) debit which exceeds your available balance and the associated $non-sufficient funds (NSF) fee will be assessed for each item that is returned unpaid.A review of your transaction history shows on January 5, 2017, an electronic (ACH) transaction of $from Arbor Property M/WEB PMTS presented for payment against an insufficient available balance of $Based on your overdraft election, we returned the item unpaid and assessed the disclosed non-sufficient funds feeThe enclosed document titled DDA Holds/Transactions History shows your account activity on January 5thAs the non-sufficient funds fee is not related to a valid unauthorized activity dispute or the result of a bank error, we respectfully decline your request for a courtesy refund of this fee.To avoid unwanted fees in the future, we suggest you maintain an accurate transaction record of your accountThe account will not be assessed a non-sufficient funds fee if at the time you write a check or otherwise authorize a payment from your account, there are sufficient available funds on deposit to cover all previously authorized outstanding debits as well as the new transactions being initiated.To assist our customers in monitoring their account activity, we offer several free account monitoring tools such as online banking and mobile banking to give you the freedom to monitor your account activity and account balance using a computer or mobile deviceWith these free services, you may also elect to receive email or text message low balance alerts as an additional method of account monitoring.If you wish to enroll in any of these service offerings or need assistance with accessing your online banking account, we invite you to visit our website to participate in Live Chat or to complete a Feedback Form

December
4, 2015To
Whom It May Concern:Our
response to *** ***’s concerns has been attached.Sincerely, *** *** Real Time Service Center First Convenience BankDecember 1, 2015*** ** ***
*** *** ***
*** ** ***Re: RevDex.com case #*** Dear Ms
***:It was a pleasure
speaking with you by phone regarding your letter to the Revdex.com
I am sorry that you did not receive the standard of customer service to which
we aspire when you contacted us for assistance with logging into the Online
Banking application.As discussed,
First National Bank Texas places a high priority on the security of our
customer informationFor this reason, our telephone customer support lines are
structured to give customers the opportunity to authenticate themselves with a
self selected personal identification number (PIN) before being transferred to
a Customer Support representativeIf the caller chooses to by-pass this
authentication process such as you did on the occasions you called us, we ask
the caller to present identification at a banking center to reset their
telephone banking pin.Although you
expressed your desire to close the account for the reason that you have moved
to an area where we do not have a banking center, I assisted you with logging
into the Online Banking application so that you could print your November 23,
account statement and avoid the $statement copy fee, and review your
transaction history for unauthorized activityYou stated the $
Point-of-Sale (POS) transaction to *** was not authorized by you but declined my suggestion to file a claim.I have submitted an
account closure request on your behalf to the appropriate departmentWe hope
you give us another opportunity to be your bank of choice.*** *** ***Customer
RelationsCC: RevDex.com

Attached is our response to MsGarrett

Complaint: ***
I am rejecting this response because: They keep telling me, we sent you a notification via mail a month ago, before charging $inactivity fee but I did not received any letter about inactivity chargeif I receive any mail about inactivity fee why do I need to wait until you charge me? Who wants to get charge inactivity fee? You did not send me any notification mailYou do not have any proof that you sent me a letterAs I said before I need my $credit back immediately and I want you to send me cashiers check to my home address without taking any fee
Regards,
*** ***

Please see attachment for a copy of our response*** *** *** ** *** ***
*** *** ***Re: Revdex.com Case # *** Dear Ms***:We are in receipt of your recent letter to the Revdex.comIt is our practice to provide every new accountholder with
our account disclosure packet outlining the terms, conditions and fee schedule governing their account relationship with usAn additional copy of our account disclosures is enclosed for your reference.Your transaction history for June 5, reflects that an electronic debit transaction of $for WU CHRYSLER *** was presented for payment against an insufficient balance of $As a result, it was returned unpaid and a disclosed per-item NSF fee was assessedThe merchant (CHRYSLER) presented the transaction of $for payment a second time on June 10, On that date, your account balance was $Accordingly, the transaction was returned unpaid and a per-item NSF fee was assessed; leaving a balance of -$27.02.On June 15, 2015, a transaction of $for BBVA COMPASS/ADMINFEES was presented for payment against the insufficient account balance of -$and returned unpaidA per-item NSF fee was assessedSince the account had remained overdrawn for six (6) consecutive banking days, a disclosed negative balance fee was also assessed on that dateWe have also enclosed the DDA Holds/Transactions History for each of the referenced dates.To reduce the cost of future overdrafts, we invite you to enroll in AccountTRANSFER Overdraft Protection Plan which allows you to use the money you put aside in a separate designated "transfer from" account as protection against overdrafts in other accountsAccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer feeIf you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please call Customer Support, send us an Online Banking Secure Message, or visit our website to participate in Live Chat or to complete a Feedback Form

We are in receipt of your letter to the RevDex.com and appreciate the opportunity to respond to your concerns.Our records show you contacted us by phone on March 29,
requesting a loan payoff letter for Fresh Start loan ending in ***At I I
a.mthat same day, Loan Specialist
*** sent you the enclosed letter to
your Yahoo email address outlining the payoffamount, interest charges if debt
is paid after April 8, 8, and address to submit payments to your loan.Later that evening, you contacted Customer Support inquiring
why the payoff amount was for $,You also inquired with whom you may
request a settlement for Fresh Start loan -*** and shared that you were given
the names of two separate collection agencies by previous phone representatives
but neither agency had your account on recordUnit Manager *** explained
that the payoff amount included the principal balance of $and interest
or other finance charges or fees, informed you that your loan was not assigned
to a collection agency and apologized for the misinformation previously
provided you, and stated he would share your request for a settlement offer
with Executive Vice President *** ***.That same evening, *** was successful in reaching you by
phone and informed you that we will consider the charged off balances in both
Fresh Start loan -*** and your checking account ending in *** when offering a
settlement amountIn turn, you declined to enter into a settlement agreement with
us as you did not want to make deposits toward the charged off balance in
checking account -***At the conclusion of your call with *** you
indicated that your concerns had been addressed.Should you require additional information or assistance,
please do not hesitate to contact *** or me directlyI may be reached at
###-###-####

Please see attachment for a copy of our response. *** ***
*** *** ***
*** ** ***Re: Revdex.com Case #*** Dear Ms***:We are in receipt of your correspondence to the Revdex.comI would have preferred to speak with you directly but was
unsuccessful in reaching you by phone.When you established your account, we provided you with a disclosure packet covering the terms, conditions and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our right of set off and states, "We may set off funds in your Account to pay any debt you may owe usIf the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in theAccountWe are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the Account...You hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable law and to the extent necessary to satisfy all of your debts and liabilities to us, however and whenever incurred or evidenced".Our records indicate that we exercised our right of set off on May 26, On that day, a transfer of $was made from your joint owner checking account ending in *** to reduce the overdraft on account ending in ***As of today's date, our records show your accounts ending in *** and *** are in good standing.Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet Banking