Bealhen Construction, Inc.

October
23, 2015To
Whom It May Concern:Our
response to Mr***’ concerns along with the pertinent supporting documents
has been attached.Sincerely, *** *** Real Time Service Center First Convenience BankTell us why here

Dear Ms***:We are in receipt of your letter to the Revdex.com and appreciate the opportunity to address your concerns.On September 12, 7, we received a letter from you dated September I, requesting verifiable proof that Fresh Start loan ending in belonged to you
Included with your letter was a copy of the identity theft report you filed with the Fort Worth Police department, a photo copy of your Texas driver license, and social security cardIn turn, we promptly notified the Credit Reporting Agencies of your identity theft claim and launched an investigation.During our investigation, we found the information used to open your accounts with us (Name, Date of Birth, and Social Security Number) matched the information you provided on the identity theft reportAdditionally, the signature on the loan contract match the signature you provided in your letter of September I, We also found that the loan proceeds were deposited to your checking account ending in 1092; this account was receiving your electronic direct deposits from ACSYour claim was denied based on these findings and a letter of the final disposition (copy enclosed) was mailed to you on September 18, At that time, we also updated our report with the Credit Reporting Agencies informing them that your identity theft claim was denied.As Of today's date, the charged-off balance of Fresh Start Loan -is $Your checking account ending in *** charged off with an overdrawn balance of $on April 12, Copies of your last three monthly account statements are enclosed for your reference.You may remit payment of the charged off balances by visiting any of our branches or mailing a check or money order to:

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.comI apologize that you were told incorrect information concerning our Smart Cash Loan offering when you contacted us by phone on May We have shared your concerns with senior
management for corrective training.Our records show you contacted us again on May 13, for a status update of your loan applicationAfter listening to the recording of that phone call, I found the information provided to you by personal phone banker *** was correctWhile our system will not accept a second application for the same loan within thirty days of your first application, you have the option to contact *** *** and request to have your application re-considered as was the case on May 20, when you visited our banking center.During our conversation, we discussed our automated process to pay NSF items based on next banking day deposits, and I informed you that an Electronic Funds Transfer claim was opened for the duplicate electronic payments to *** ***, Incand PNM Payment and finalized that same day with credits totaling $to your checking account ending in This amount represents the disputed transactions and associated feesA copy of our determination letter is enclosed for your reference.Should you require further information or assistance, please do not hesitate to contact me directly at ***. Sincerely,*** ***Vice PresidentCustomer Relations

Complaint: ***
I am rejecting this response because the information you have given is incorrectThe manager emailed the regional manager and they said the bank was in the wrongAt no time did the customer service number that I called every single day tell me to come and redeposit the check and have it rewritten, but told me over and over different reasons and that they would fix this issueNo extra purchases were made since the 2nd, so that information is incorrectYou guys held onto item so you could continue to charge more overdraft fees*** said that had I been in the bank and not used mobile deposit this would have never been an issueYour regional manager offered me $185, but wanted me to give you guys over $in charges to get that offerThat is fraudYou need to read the emails between *** and the regional manager*** said that there was no reason to decline the depositYou guys set me up on mobile deposit and now I have a numerous amount of fees
Regards,
*** ***

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.comIn our conversation, I confirmed the new debit card ending in *** was activated by you on September 14, 2016, and the expedited card fee was credited back to your accountIn turn,
you reported that you were no longer in possession of the new debit card ending in *** and its whereabouts is unknownBased on that information, I closed debit card ending in *** and ordered you a new debit card.During our call, you provided additional information about our unauthorized debit activity claim filing process and stated your debit card ending in *** was closed without prior noticeI explained that when we receive a report of unauthorized debit activity, it is our practice to close the debit card associated with the disputed transaction(s) to prevent further lossThis was the case on August 31, when we received an internet banking secure message from you regarding three unauthorized debit card transactions totaling $Please find enclosed, a copy of your internet banking secure message on August 30, at 8:p.mand our responseAlso enclosed are copies of our final determination letters for your unauthorized debit activity claim ending in ***.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 may contact me directly at ***

I am in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.While it is the responsibility of the payee to properly endorse any monetary instrument presented for negotiation; we acknowledge, as you outlined in your letter, that it is
also the responsibility of a bank employee handling any financial transaction to confirm that all necessary requirements for negotiation have been met before finalizing the processing of the transactionWe sincerely apologize that, due to an oversight, a missing signature for endorsement was not identified when you presented check #*** in the amount of $1,for negotiation on May 21, 2017; depositing $This oversight resulted in the return of the item by the maker's bank and a charge-back of the item to your account ending in -*** on May 24, 2017.In an effort to resolve this issue expeditiously, we forwarded the returned deposited check to our Military Drive banking center in San Antonio, TX where the check was originally presentedBranch Manager *** *** then attempted to reach out to you to coordinate a time when you could visit our banking center to endorse the check for redepositWe also credited refunds to your account totaling $for the associated bank service fees which were assessed in direct relation to this returned deposited itemMs*** was ultimately able to reach you and schedule a time for your visitOur records indicate that the endorsed check was redeposited to your account as of June 1, 2017.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 ***

Please see attachment for a copy of our response.Dear Mr***:We are in receipt of your letter to the Revdex.com and found the concerns you expressed are similar to those in your letter to the Office of the Comptroller of the CurrencyWe have addressed your concerns in our letter
dated July 20, and have enclosed a copy of the response for your reference

We are in receipt of your recent letter to the Revdex.comattempted to contact you by phone at *** and *** to address the concerns you reported to the Revdex.com but was unsuccessful in reaching youI hope the following information addresses your
concern.The Funds Availability Policy provided to you when you opened your account states, "Our policy is to make funds from your deposits available on the first (1m) banking day after the day we receive your depositElectronic direct deposits will typically be available on the day we receive the depositIn some instances, we may receive the direct deposit in advance of the release/settlement date authorized by the senderIn such cases, the direct deposit will be made available no later than the release/settlement dateOnce the funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written and pay other items such as your debit card purchases"We show the direct deposit from Facility Solution was received and posted on December 16, 2016.The enclosed document titled DDA Holds/Transaction History shows your account activity on December and December 16, Please take a moment to read the information page which accompanies the transaction detail.As a good will gesture, a courtesy refund of $was credited to your accountTo avoid unwanted fees in the future, 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 account 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 available funds on deposit to cover all previously authorized outstanding debits as well as the new transaction being initiated.You may also wish to enroll in AccountTRANSFER Overdraft Protection Plan to reduce the cost of future overdraftsAccountTRANSFER Overdraft Protection 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

Re: Revdex.com Case # *** Dear Ms***: I am in receipt of your letter to the Revdex.comIt is frustrating when unexpected charges are assessed to your account so we appreciate the opportunity to respond to your concernsWhen you opened your account, we provided
you with a disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our funds availability policy which states, "Our policy is to make funds from your deposits available to you on the first (1') banking day after the day we receive your depositFor determining the availability of your deposits, every day is a banking day, except Easter Sunday, Thanksgiving Day and Christmas DayIf you make a deposit before 5:p.mon a banking day that we are open, we will consider that to be the day of your depositHowever, if you make a deposit after 5:p.m., or on a day we are not open, we will consider that the deposit was made on the next banking day we are open"Your transaction history for June 4, reflects that a transaction of $for PAYPAL/INST XFER was presented for payment against an insufficient balance of $As a result, it was returned unpaid and a disclosed per-item NSF fee was assessedWe show you made a cash deposit of $at 10:a.mon June 5, and funds were made available in the account that dateWe also show that you submitted a check deposit of $on June 11, at 5:p.mSince the deposit was completed after 5:p.m., the deposit was considered made on the next banking day of June 12th and the funds were not available for payment of transactions presented on June I On that date, an electronic debit of $for CPENERGY ENTEX /ENT ACH EB presented to your account for payment against an available balance of $We returned the electronic debit unpaid and assessed the disclosed $NSF feeWe have enclosed the DDA Holds/Transactions History for each of the referenced datesWe invite you to enroll in AccountTRANSFER Overdraft Protection Plan to reduce the cost of future overdraftsAccountTRANSFER Overdraft Protection 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 recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.Upon review of our records, we show that you received a Fresh Start loan (loan number ending in ***) for $on October 7, This loan was paid in full, as
agreed, in six (6) monthly installments of $However, there was a subsequent Smart Cash loan requestedPlease find enclosed a copy of the loan contract you signed on March 16, along with a signed Automatic Transfer Agreement for your records.As outlined in the loan contract, you received a Smart Cash Loan (loan number ending in ***) for $on March 16, and agreed to repay the loan in nine (9) monthly installments of $beginning on April 30, and endingDecember 30, TO pay the loan, you established a monthly automatic transfer from your checking account ending in ***After the first three (3) loan payments were transferred from the designated checking account on May 7th, May 30th and July 2nd 2015, respectively: there were never sufficient funds on deposit to make any of the other loan payments to which you agreedAs a result, late fees were assessed and eventually the past due loan was charged-off in the amount of $as of September 29, This loan may continue to be reported on your credit report for up to seven years from the date of last activity.On October I I, 2015, your checking account ending in *** charged off with an overdrawn balance of -$after sixty (60) consecutive days with a negative account balanceWe also show an additional checking account ending in *** was charged offin the amount of -$on November 30, You may remit payment of the charged off balance by visiting any of our branches or mailing a check or money order to:*** *** ***
*** *** *** *** *** ***
*** ** ***

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
Regards,
*** ***

I find that we are unable to authenticate your identity with the information provided in your correspondence to the Revdex.comWe do not have an address or phone number match.Please sign this correspondence, list your former address, permanent physical address, account number, and
return it in the envelope enclosedOnce received, we will match your signature and address to our files, complete our research of your concerns, and provide a response by mail

It was a pleasure speaking with you by phone to address the concerns outlined in your letter to the Revdex.comDuring our conversation, we reviewed your loan payment history and discussed the amount that was reported sixty (60) days past dueAs a courtesy to you, we submitted an
Automated Universal Dataform to update the loan status with each of the Credit Reporting Agencies to show the account as "paid as agreed"Please note that it may take up to thirty (30) days for the Credit Reporting Agencies to reflect this information in your credit historyIf you should require further information or assistance, you may contact me directly at ***

Complaint: ***
I am rejecting this response because:
Regards,
*** *** My total of late fee should be -$66.95 But my account says -$I shouldn't have $worth of late fee's that is still not right

October 5, 2015To Whom It May Concern:Our response to Mr*** concerns along with the pertinent supporting documents has been attached.Sincerely,*** ***Real Time Service CenterFirst Convenience Bank

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
Regards,
*** ***

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns. Our records show your wife, ***, came to the Wal-Mart at *** *** *** *** in Lufkin the afternoon of June 7, At approximately 5:p.m., she was assisted
at a teller window by our employee, *** ***You were not present at the teller window with your wife *** when the deposit transaction was completed.Surveillance footage shows *** counting the cash prior to placing the funds through the Currency ScannerYour wife did raise concern with the amount of cash the Currency Scanner totaled so at her request; *** returned to the Currency Scanner a second time to verify the amount of cash your wife presented for depositUpon returning to the teller window, *** is seen counting the cash in front of your wife prior to completing the deposit transaction.The following day, at approximately 9:a.myou contacted Customer Support and spoke with *** who informed you that she would share your concerns with her management teamSubsequently, your concerns were forwarded to Branch Manager ***' *** who conducted a thorough investigation into your concerns and on June th, contacted you by phone to discuss her findingsDuring that call, *** informed you that since no bank error was made, your request for funds was declinedOur position remains unchanged and we consider this matter closed

We are in receipt of your letter to the Revdex.comIt is frustrating when unexpected fees are charged to your account so we appreciate the opportunity to respond to your concerns.We had the opportunity to listen to the calls you placed to us on October 7, These calls did not
substantiate your allegation you were promised a refundDuring your call at approximately 10:a.m., you said your husband mistakenly used the incorrect debit card to initiate the transactions that resulted in overdraft fees and acknowledged that it was an error on his partWhen you requested a courtesy fee refund, our personal phone banker offered to escalate your refund request with no guarantee of the outcome.A review of your account history shows you were provided with a courtesy refund of $during the last twelve monthsWhile we are not able to accommodate your request for a full refund at this time, we do encourage you to enroll in AccountTRANSFER Overdraft Protection Plan to reduce the cost of future overdrafts.AccountTRANSFER Overdraft Protection 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 feeWe will make one (1) transfer per day and one (1) AccountTRANSFER Overdraft Protection fee of $will be assessedIf the exact amount is not available in the designated "transfer from" account to cover the overdraft plus the transfer fee, then no transfer will take place and our $per item NSF/OD fee and Negative Balance Fees apply.If you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please send us an Online Banking Secure Message, visit our website to participate in Live Chat or to complete a Feedback Form, or you may call me directly at ***

Thank you for taking time out of your busy work day to speak with me about the concerns outlined in your letter to the Revdex.com.During our conversation, we discussed the timing of your direct deposit and our automated process to pay NSF items based on next banking day depositsWhen
you expressed you did not want the electronic debits to AAA Insurance to be paid in relation to this process because the merchant was provided with an alternative method of payment, we reversed the electronic debits totaling $and credited your account ending in for that amount.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 ***

October 15, 2015To Whom It May Concern:Our response to Ms***'s concerns along with the pertinent supporting documents has been attached.Sincerely,*** ***Real Time Service CenterFort Hood National Bank