Bealhen Construction, Inc.

Thank you for taking time out of
your busy work day to speak with me about the concern outlined in your letter
to the Revdex.com.During our conversation, we discussed the funds availability
hold placed on the $[redacted] check deposited
to your account...

on March 10, 2018. This hold was placed when we received
information from the paying bank that the account number appearing at the
bottom of the check could not be located. As stated in your letter, a notice of
delayed funds availability was sent to you electronically.Our records show we released the
hold on March 13 t after receiving confirmation of final payment
from the paying bank. Our records also show no fees were assessed to your
account as a result of the delayed funds availability hold.Should you require further
information or assistance, please do not hesitate to contact me directly at
[redacted].

Please see attachment for a copy of our response to Ms. [redacted].We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.We show you reported your debit card lost and subsequently filed an unauthorized debit activity claim on March 15, 2016 for three unauthorized withdrawals conducted at a Global Cash A (GCA) ATM. During the claim interview, you stated that you did not keep the PIN with the card and have never used the merchant's products and/or services. Although we cannot require you to file a police report, you said you were agreeable to doing so.Our investigation identified discrepancies in your claim report and in the transaction activity. For example, there were no invalid PIN attempts related to the disputed transactions, the merchant confirmed you were a Buyer's Club member and frequented their hotel and casino prior to the reported unauthorized activity. Your account history supports that response as there were seven GCA debits from February 6, 2016 to February 21, 2016 which you did not dispute.Based on those findings, your claim was denied and we provided you notice of the denial in our letter dated April 5, 2016 (copy enclosed). If you have filed a police report, please provide us with the case number and contact information for the officer assigned to your case. We will cooperate fully in any lawful investigation and will re­open your dispute claim while doing so.As of today's date, your account has a charged-off balance of $759.93. You may make a deposit to your charged-off account by visiting any of our branch locations or mailing a check or money order to First National Bank Texas, Attn: Mail Teller, [redacted]

Thank you for taking my phone call today and clarifying the type of service you were interested in establishing. As you requested, I have changed your overdraft privilege election from no overdraft privilege to our standard overdraft service. This means we may use our discretion to authorize...

and pay overdrafts for checks and other transactions made using your checking account number such as ACH transactions and automatic bill payments. You did not give us your approval to authorize and pay ATM and everyday debit card transactions or recurring debit card transactions when your account does not have sufficient available funds to cover the transaction you are attempting to make. Please allow up to three business days for this change to take effect. A document titled "What You Need to Know about Overdrafts and Overdraft Fees" detailing your overdraft privilege election was delivered electronically to your Gmail email address on file. An additional copy of that disclosure is enclosed ith this correspondence for your reference. In an effort to resolve this matter amicably, a courtesy refund of $34.00 was credited to your account. If you wish to enroll for our AccountTransfer Overdraft Protection Plan, I invite you to contact me directly at [redacted] to complete the enrollment process.

December 29, 2015[redacted]Re: RevDex.com Case #[redacted] Dear Ms. [redacted]:We are in receipt
of your follow-up letter to the Revdex.com. Please find enclosed
documents titled, "Welcome to the Family" and the "Banking
Services/Fee Schedule" both of which discloses the terms and conditions
under which the non-sufficient funds and negative balance fees are assessed.As outlined in
these disclosures, a negative balance fee will be assessed on the sixth (6th)
banking day your account remains overdrawn. We will waive this fee if on the
sixth (6th) day your account is overdrawn less than $3.00. Our
records show your account became overdrawn on December 7, 2015. When no
deposits were made to return the account to good standing, the negative balance
fee was assessed on December 12, 2015.I have highlighted
the area that discloses the Negative Balance Fee for your reference. Should you
have additional questions, you 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.Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response once again because: My position remains unchanged. In addition, my address remains unchanged. Despite what First Convenience Bank states, our address did not change. They had our correct address. They only sent us one piece of mail. They never tried to contact me by phone, email or otherwise, even though they had all of my correct information. I thought the account was paperless, so I did not expect mail from them. When I did not receive mail from them, I was not alarmed. When they finally contacted me 8 months after they received the return mail, they refused to give me a copy of the return mail label so that I could investigate this from my end with the United States Post Office. When I contacted the Revdex.com, 1st Convenience Bank did send a photo copy of this returned mail. However, when we took this to our local post office they stated that nothing could be done on their end because it occurred so long ago. I still contend that the bank needs to send me a cashier's check in the full amount of my original balance from my account. The reviews I have read online about this bank are consistent with my experience. One reviewer stated "If you do not spend your money, this bank will spend it for you." I believe that is what is going on here. I had money that I was saving in my account, not withdrawing anything, and they began to find ways to get my money. Then to have the audacity to threaten a 3rd party collection agency. These practices are dishonest and should be illegal. I feel that they have stolen money from me and there is nothing I can do about it. I am not happy about their response and I have rejected it because they currently have and have always had my correct address. Please mail my funds to me, close my account and restore any damage done to my credit.
Regards,
[redacted]

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

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns. I apologize that we did not better communicate the correction that had been made to your account.Our records show on February 22, 2017, you visited our banking center located at...

[redacted] to complete a cash deposit transaction. Our teller processed the deposit amount for $380.00 as you intended however, your receipt reflects the amount we actually received from you which was $280.00.As stated in the Deposit Agreement provided to you at account opening, "we accept deposits and issue receipts (for all over-the-counter transactions) for these deposits. Such deposits and receipts are subject to subsequent verification and corrections if necessary". During this subsequent verification it was noted the deposit transaction did not balance so it was sent to the appropriate area for research and adjustment.On February 23"i, we completed our research and processed a debit adjustment of $100.00 to your account. A notice informing you of the adjustment was delivered electronically to your Gmail email address on February 241". Another copy of this notice is enclosed for your reference.Should 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.

Complaint: [redacted]
I am rejecting this response because:  The response does not address missing ssdi deposit.  2.  activity on the account years later.   3.  all my attempts to resolve this matter then and now.   4.    my recourse if the Bank clerks and branch managers do not do their job or conduct business as they communicate.
Regards,
[redacted]

December
3, 2015To
Whom It May Concern:Our
response to [redacted]’s concerns has been attached.Sincerely, [redacted] Real Time Service Center First Convenience Bank December 2, 2015[redacted]
[redacted]Re: Revdex.com case #[redacted] ...

Dear Mr. [redacted]:We are in receipt of your letter to the Revdex.com.
While researching your concerns, we found you submitted several Feedback forms
through our website the evening of November 21, 2015 and morning of November
22, 2015. The following day, our representatives attempted to contact you and,
when we reached your voice mail, left our contact information. We followed up
with an email to provide you an additional point of contact.Our records show you have successfully enrolled in online banking
on November 22, 2015. We also show you have started the enrollment process to
mobile banking and encourage you to complete the enrollment process so that you
may receive text alerts on your account activity. If you need assistance
downloading the mobile banking application or need support on how to obtain an
activation code, you may contact me directly at [redacted] Monday — Friday
from 8:00 a.m. to 5:00 p.m. CT.I stand ready to provide you help.[redacted]Customer RelationsCC: Revdex.com[redacted]                              ...⇄ [redacted]                     [redacted]

We are in receipt of your correspondence to the Revdex.com. I attempted to contact you directly by phone but as of today have not received a response to the messages I left.A pending transaction is an approved debit or credit transaction that has not yet posted to your account. Pending...

transactions may affect your available balance and when items post, they are then reflected in your statement history.Please note that the available balance may not reflect all transactions that will impact the amount of funds in your account, including, but not limited to, your outstanding checks, automatic payments such as mobile or online bill payments, or ACH and recurring card transactions you have scheduled/authorized. For example, when you write a check, the payee may not present the check to us for payment so, in that instance, the amount of the outstanding check will not be deducted from your available balance.When you contacted us by phone on November 29, 2016 for information of all pending transactions reflecting in your account, we provided you with all requested information that was available to us 'at that time'. During the call, you acknowledged that you had two outstanding checks; one in the amount of $40.00 and the other for $30.00 but still made the decision to use the funds that were available in the account.As indicated in your letter, we show check number [redacted] for $150.00 payable to Barcelona Soccer presented for payment on November 29, 2016 against an insufficient account balance. The debit was marked for return and the associated per-item non-sufficient funds (NSF) fee was assessed to your account. The following day, we received your direct deposit from City Chandler for $948.11 which when posted, would provide sufficient funds to pay the NSF $150.00 check to Barcelona Soccer from the previous day. As a courtesy to you and to prevent you from possibly incurring merchant fees from a returned item, we stopped the return of the debit and paid the item. We also adjusted your fee assessment record to reflect a reversal of the November 29th NSF fee and assessment of the per-item overdraft fee. This fee is displayed in your account history as "OD/NSF ITEMS PAID".Should you require further information or assistance, please do not hesitate to contact me at my direct dial number provided in my voice mail.

Please see attachment for a copy of our response. Dear Mr. [redacted]:We are in receipt of your letters to Ms. [redacted] dated August 2, 2015 and August 3, 2015 as well as your recent communication with the Revdex.com.Your report of unauthorized debit activity was received by the...

appropriate department August 10, 2015. Dispute [redacted] contacted you by phone to begin the claim process and asked that you provide her with supporting documentation about the alleged unauthorized activity. To date, we have not received the requested information.

This is in reference to my complaint filed against lst Convenience Bank. I wanted to clarify some of the information I provided in my initial complaint and provide additional information that I did not include. I lost my debit card which I promptly cancelled on March 19th as soon as I realized...

it was not in my possession.  Updated InformationThe bank representative that I spoke with cancelled the card and reviewed recent activity on my account.  She reviewed transactions for the past 5 days....all had  cleared and I had one pending transaction of $39.99 which was an unauthorized charge made for an online POS purchase on March 19th. I was told I had to wait to file a claim since the transaction would need to clear...claims cannot be placed against pending transactions. I did not have any other transactions in Pending Status at that time....since I did not have any other transactions Pending as of March 19th, what happened to the BistroMd transaction that was supposedly pending since March 16th? Since the bank representative reviewed transactions going back to March 15th the BistroMD charge should have still been in Pending Status but it was not mentioned in our conversation.  And, I still had a positive available balance at that time of $192.?? and the 39.99 had already been deducted from my balance.  If the BistroMD charge of $154.90 was sent in on March 16th, the amount would have been deducted from my available balance leaving only 38.?? which means one of the  transactions on March 17th of 43.00 would have been denied and the 39.99 presented on March 19th would also have been denied since my balance was too low to cover the charges.  I believe the charge of 154.90 was presented on the 16th but it dropped off before or on March 19th for whatever reason.  The funds were released back to my account when or how I would not know.  I had three charges on March 17th that had cleared and   39.99 charge was presented and deducted from my available balance leaving 192.?? in my account as March 19th at 8:30pm.  Would not have been possible if the 154.90 had been deducted from my account.  Now, that I have walked myself through this entire scenario, I realize the facts that I received from the bank do not match the activity on my account.  I was told that BistroMD reinstated the charge of $154.90 on March 21st which means the bank allowed a transaction that had dropped off 2 days before be presented and approved on a cancelled debit card.Additional InformationMy account does not have overdraft privileges so any charges that are presented that would result in overdraft should have been denied.  This is the process the bank has always followed until now.  My account has not had overdraft privileges in over 6 months.   I had a fresh start loan that was paid in full in March 2016 and to have overdraft privileges reinstated requires your account to have payroll checks direct deposited which I do not have.    My account is $88.00 overdrawn a result of overdraft and late charges being charged to my account because of the issue listed above.To change the policy and procedure pertaining to overdraft charges when it benefits the bank is a highly unethical business practice.  Thank you for time to review my comments that pertain to updated and additional information.Kind regards,[redacted]

Please see attachment for a copy of our response to Ms. [redacted].We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.We show you reported your debit card lost and subsequently filed an unauthorized debit activity claim on...

March 15, 2016 for three unauthorized withdrawals conducted at a Global Cash A (GCA) ATM. During the claim interview, you stated that you did not keep the PIN with the card and have never used the merchant's products and/or services. Although we cannot require you to file a police report, you said you were agreeable to doing so.Our investigation identified discrepancies in your claim report and in the transaction activity. For example, there were no invalid PIN attempts related to the disputed transactions, the merchant confirmed you were a Buyer's Club member and frequented their hotel and casino prior to the reported unauthorized activity. Your account history supports that response as there were seven GCA debits from February 6, 2016 to February 21, 2016 which you did not dispute.Based on those findings, your claim was denied and we provided you notice of the denial in our letter dated April 5, 2016 (copy enclosed). If you have filed a police report, please provide us with the case number and contact information for the officer assigned to your case. We will cooperate fully in any lawful investigation and will re­open your dispute claim while doing so.As of today's date, your account has a charged-off balance of $759.93. You may make a deposit to your charged-off account by visiting any of our branch locations or mailing a check or money order to First National Bank Texas, Attn: Mail Teller, [redacted]

A copy of our response to this case has been attached for your records.  A hard copy has also been placed in the mail to the customer.

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.
My complaint with First National Bank has been resolved.  Thank you very much for your assistance.
Regards,
[redacted]...

[redacted]

It was a pleasure to speak with you by phone about your letter to the Revdex.com.During our call, we discussed the point-of-sale (POS) transactions that caused your account to become overdrawn. You confirmed that each debit transaction was authorized by you, and acknowledged that the...

transactions were initiated in anticipation of a deposit which was received later than expected.I thank you for using online banking and mobile banking to review your transaction history. I encourage you to enable text alerts to receive notifications of when your balance has fallen below the designated amount. If you need assistance with enabling text alerts, please do not hesitate to contact me directly at [redacted].In recognition of your efforts to make a deposit to restore your account to good standing, we have processed credits totaling $136.00 to your account. In closing, I wish you well as you pursue your educational goals. Although it can be daunting when you look at the required course work, it is also very fulfilling and empowering as you pass each milestone.