Bealhen Construction, Inc.

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 ***

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.com.To supplement the information provided to you during our call, I have enclosed documents titled "Welcome to the Family" and "What You Need to Know about Overdrafts and Overdraft
Fees" both of which disclosed the method by which overdraft and NSF fees are assessed to an account and tells you that if, in one day, you have items we pay into the overdraft and you have items we return unpaid, we will limit the combined number of Overdraft fees and NSF fees you will be charged to four (4) that day. As stated in our conversation, we do not guarantee approval of a loan as our loan offerings are subject to underwriting and policy guidelines. Although no bank error was made, we have processed refunds totaling $to your account ending in ***Your account is now closed at a zero balanceA copy of your closing statement is enclosed for your reference. 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 you may contact me directly at ***

Dear Mr***:We are in receipt of your letter to the Revdex.comWe understand it can be frustrating when unexpected fees are charged to your account so we appreciate the opportunity to address your concerns.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 that packet were documents titled, "What You Need to Know about Overdrafts and Overdraft Fees" and the "Banking Services/Fee Schedule" both of which disclosed your account would be charged $for each item we return unpaid due to insufficient funds.Our records indicate that on September 28, 2017, a debit card purchase of s for TWC*TIME WARNER *** TX was posted to your accountOn September 29, 2017, four (4) transactions in the amounts of $197.97, $171.69, Sand $25.00, respectively, for Charter-Spectrum were presented to your account for paymentThe transaction of $was posted to your account, leaving a balance of $which was not sufficient to pay the amounts ofS171.69, $and $These three (3) transactions were returned unpaid and the disclosed per-item NSF fees of $were assessed to the account for each returned transaction.On October 4, 2017, you called Customer Support and spoke with *** and outlined similar concerns to those stated in your letter*** escalated your concerns to her manager, ***, who initiated a three-way call with you and Charter-SpectrumDuring that call, ***, a representative from Charter-Spectrum did confirm that they were going to issue you a return credit of S for the transaction posted on September 28th and that they would also issue a credit of $ to cover the resulting bank service charges accrued on September 29th for the additional three (3) transactions which were presented against insufficient fundsMerchant representative *** advised that this action may take between 3-daysOn October 6, 2017, a credit of $from T WC*TIME WARNER *** TX was posted to your accountHowever, we determined during a subsequent review that the promised SI reimbursement was never provided.On October 18, 2017, Unit Manager Carrie facilitated a three-way call with you and Charter-Spectrum to determine when you could expect the additional refund of $During that call, merchant representative *** informed you that her company will not refund the bank service charges, apologized for the misleading information by her representative ***, and confirmed that the SI and $payment requests were erroneously submitted by her company on September 8th, September nd, September 29th and October 6th As a result of your October 18th call with Carrie and ***, a refund of $for all NSF/OD fees assessed in relation to Time Warner/Charter-Spectrum transactions were processed to your account ending in ***.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 ***. Customer Relations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is unsatisfactory to me
You are one of the worst bank and your customer service is showing how rude they areYour statement of the $fees does not even added up, you claim that the $fees was associate after days it was not days when you charge me that feesI will not pay any fees of $I will fight this till the endI know you could careless about your rating with the Revdex.comI will file a complain with the federal trade commission. For the $fees I have no problem paying for it and have account closed, but I will not pay for your $fees that you placed on the accountYou claim that it is place after days of a negative balance of the account, but wait it was not even days when you place that fees on my accountI can see that the managers and people working in this bank are people that are full of egos and trying to prove a point instead of accepting their mistakes
Regards,
*** ***

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
After filing this complaint, First National Bank's main branch called me and spoke to me regarding this account They were
able to allow me to just transfer the amount without further charges into the account and close it for me I spoke with a lady named *** who made sure to take care of my account and called 10/11/to let me know it had be closed without further delay. Thank you so much for your help Without having the Revdex.com I have no doubt that they would have continued to ignore me.
Regards,
*** ***

Attached is a copy of our response to Mr** *** for your records

Attached is a copy of our response to *** ***

Re: Revdex.com #*** Dear Mr***: We are in receipt of your recent 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
concernsWhen an account is opened, written disclosures are provided so that each customer has all of the information necessary to understand both the bank’s and the customer’s responsibilities in the banking relationshipIncluded within these disclosures is the Banking Services/Fee Schedule which outlines all account related service fees; including the per-item overdraft or non-sufficient funds feesAlso included is the Deposit Agreement governing the account which states in part“Please note that it is still possible for you to overdraw your Account even though the Available Balance shows there are sufficient funds to cover a transaction that you want to makeThe 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/authorizedFor 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 established your account on April 30, you told us you did want us to authorize and pay overdrafts for any transaction typeYour initials to the right of the enclosed signature card confirm your election of full overdraft privilege, and your signature on the document serves as your agreement to be assessed an overdraft fee or non-sufficient funds (NSF) fee for each item we pay in overdraft or return unpaid as disclosed to you in the above-referenced disclosure documentsWe show no record of any subsequent request to change this election since that pointOn October 5, 2015, your available balance was $when an electronic (ACH) debit of $for “***/ECHECK” was presented for paymentPer your election, we used our discretion to pay this transaction into the overdraft and assessed the disclosed per-item overdraft fee of $The pre-authorized transaction of $was presented for final payment by this merchant on October 6thSince the balance of -$was insufficient at that time, this transaction was also paid into the overdraft and the disclosed per-item fee assessedA copy of the “DDA Holds/Transactions History” reflecting all activity for the referenced dates has been enclosed for your reviewBased on your account tenure and history, we have provided you with a one-time courtesy refund of $representing the two per-item overdraft fees assessed to the accountGoing forward, any overdraft or non-sufficient funds fees not related to a valid unauthorized activity dispute or a bank error will not be eligible for a refund.Based on your correspondence to the Revdex.com, we have removed discretionary overdraft practices from the account ending in -A disclosure document concerning this election has been enclosed for your reviewPlease note, because we are legally obligated to pay certain items, your Account may become overdrawn even if you do not authorize us to pay items into the overdraftWhether we pay or return an NSF item, we can charge your Account a fee per item as set forth in our Banking Services/Fee ScheduleThe fee may be imposed on checks and other transactions such as preauthorized debits, telephone-initiated transfers or other electronic transfersWe have no obligation to notify you before we pay or return any itemThe items may not be presented to us for payment in the order that they occurred, and this may impact the total amount of fees you incurThe amount of any overdraft and NSF fees are due and payable as of the date incurred.We offer many account monitoring options such as the Personal Account Line (PAL) which allows seventeen (17) free telephone inquiries per calendar month, free online banking or free mobile bankingYou may also set up text or email alerts for your account balance informationTo avoid possible fee assessment, we advise that accountholders maintain a transaction register and frequently reconcile that register with the information provided through these above-referenced sources.Sincerely,*** *** *** *** ** *** ***CC: Office of the Comptroller of the Currency Enclosures

Please see attachment for a copy of our response to Mr***

October 7, *** *** *** *** *** *** *
*** *** *** Re: Revdex.com #*** Dear Ms***: We are in receipt of your recent letter to the Revdex.comWe understand it can be frustrating when a situation of this nature occurs and
appreciate the opportunity to respond to your concernsA review of our records indicates that the referenced ATM located at *** *** *** *** ** *** *** *** was not out of order on October 1st; however, at the time of your attempted withdrawal of $there was only cash in the amount of $available in the ATMThis resulted in the decline of the transactionWe confirmed with Branch Manager Sabrina that after being made aware of the issue, a temporary “out of service” sign was posted on the ATM as soon as she was free to do soAs outlined for you by the staff at the location on that date, since you do not bank with us, and your financial institution reflected the $ATM withdrawal within your account transaction activity, a claim of unauthorized debit activity needed to be filed with themWe did find that you subsequently visited another of our banking centers and received additional assistance with the matterDuring that visit, you were provided with a document reflecting that no funds were dispensed to you when you made the withdrawal attempt at the initial branch locationA copy of that document has been attachedWe do not show the receipt of any claim-related inquiry from Navy Federal Credit Union for a transaction matching the one outlined in your submission as of today’s dateSincerely,*** ***Senior Vice PresidentDirector of Customer Experience

Complaint: ***
I am rejecting this response because: I did not receive the overdraft notifications until weeks after the event occurredI have given up any chances of actually receiving the money that is rightfully mineBut due to not receiving any notifications of an overdraft until weeks after receiving them please refund the day overdraft fee
Regards,
*** ***

November
27, 2015To
Whom It May Concern:Our
response to Mr*** concerns
has been attached.Sincerely, *** *** Real Time Service Center First Convenience Bank Dear Mr***: We are in receipt of your letter to the Revdex.com and appreciate the opportunity
to respond to your concerns. Texas Law allows minors to establish a deposit account as the sole and absolute owner of the account unless or until such time that the minor's parents or legal guardian notifies the financial institution in writing that the ability to transact business on the account has been denied.Your letter to the Revdex.com serves as your notification to us to deny Mr*** the ability to control, transfer, draft on, or make withdrawal from his deposit account. In an effort to resolve this matter amicably, we have closed the account at a zero balance, Sincerely,*** ***,*** *** Real time Service Center CC: Revdex.com

We are in receipt of your recent 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.When you opened your account on June 9, 7, we provided you with a disclosure
packet covering the terms, conditions and fee schedule governing your accountIncluded in that packet were documents titled, "What You Need to Know about Overdrafts and Overdraft Fees" and the "Clear and Concise Guide to the Power Checking Account" both of which disclosed your account would be charged an Overdraft fee or Non-Sufficient Funds (NSF) fee of up to $per item we pay or yyg return unpaid because you do not have enough money in your account to cover the itemIf ou do not return your account to a positive balance then your account will be subject to a Negative Balance Fee on the sixth (1) banking day your account remains overdrawnWe will waive the fee if the on the sixth (th) day your account is overdrawn $or lessThe Power Checking Account disclosure provides information on how to avoid the $monthly maintenance fee each statement cycle.The aforementioned disclosure documents also outline our overdraft servicesOur records show you gave us written permission (copy enclosed) to use our discretion to pay overdrafts on any transaction type even when you do not have enough money in the accountYour signature on the enclosed signature card also shows that you acknowledged receiving a copy of each of the documents listed above, along with other important disclosures pertaining to your account relationship with us.A review of your transaction history shows on June 9, 2017, a transaction of $from PLANET FIT/CLUB FEES presented for final payment against an insufficient available balance of $The transaction was returned unpaid and assessed the disclosed per-item NSF fee, leaving an available account balance of -$Since the account remained overdrawn for at least six (6) consecutive banking days, the disclosed negative balance fee of $was assessed on June 24, On July 17, 7, a transaction of $from PLANET FIT/CLUB FEES was again presented against an insufficient available balance of -$and was returned unpaid; resulting in the assessment of an NSF feeOn July 19, 7, a $Balance Requirement fee was assessed as none of the options required to waive the fee had been met during the statement cycle.On July 27, 2017, a direct deposit of $was received which resolved the outstanding negative balance 12.78.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 ***

We are in receipt of your most recent letter to the Revdex.com and wish to inform you that our position remains unchanged.The email correspondence between Branch Manager *** and her management team does not document a bank error was madeWhen we notified you via email that your electronic item was declined, we advised you to rectify the decline reason and resubmit your item for deposit through Mobile Check DepositIf you were unable to rectify the decline reason, you were asked to present the item at your nearest banking centerTo date, check number *** for $has not been represented to us for deposit

Please find attached a copy of our response to Mr***

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
I just wanted to let you know I spoke with Ms*** and she was very helpful and proactive in making sure everything was taken care of before speaking with meThe funds that were used in fraudulent transactions were refunded to my accountThanks for all of your help in this matter
Regards,
*** ***

Complaint: ***
I am rejecting this response because:
Regards,
Margaret "annette" ***
There are several things that are incorrect about the response submitted to the Revdex.com First, I placed an order online on March 4th, not March 5th at 6:23am and received a confirmation shortly after with the time stamp of 7:23am EST Odd, I never received an order confirmation for this order And, it did not arrive until the 3/26/2016, the last day of the week First order from date to received business days days This was my first order and it was received in record time What happened was when my sister called on the 21st somehow this week was no longer skipped so they started backtracking to get the food shipped Otherwise, this food would have arrived long before the 26th Something happened on their end and that is why it was not prepared and shipped as it should have been I guess those are guidelines not allowed by the Federal Reserve Bank Did it ever occur to the bank that maybe it was there error since I skipped all other deliveries why would I leave just one week not skipped? And, why did they lie to me about the meals already in transit when they had not shipped I sent them a Fed Exp showing the meals had not shipped as of 3/25/ Since their software application is not linked, otherwise it would not show my account was on hold 3/call customer service while they claimed that my meals were already shipped for 3/21...which was just not true I provided the bank with documentation that showed my account was on hold, a copy of the Federal Express tracking number that showed it still had not shipped as of 3/25, and a copy of the account they created with the incorrect billing zip code I assume this information is not considered by Federal Reserve Bank guidelines.However, the most astounding part of this entire ordeal is to find out the Federal Reserve Bank procedures allows banking institutions to make charges to a debit card that was cancelled five days previously, as they did with this transaction, I would be very interested in learning more about the policy and procedures banks are forced to follow even when the outcome is drastically negative toward their customer I am very shocked to learn how this works.BistroMD customer service was extremely rude, lied to me about the shipment on two separate calls, and when I told them they were using a debit card that was cancelled several days prior to their transaction they demanded that I provide them with a new debit card number I bet they forgot to mention this along with all the other information they provided And, since I was locked out of the calendar because the account was cancelled on the 21st, even though I had an open transaction, I couldn't provide any of my own details, I was at their mercy At the end of the day, this would have never happened, if the charge had been denied since the charge was on a cancelled card (lost the card on the 17th - called in lost on the 19th) BistroMD would not have shipped the meals, my account would not have been overdrawn during my Easter vacation and the bank would not had invested time in something that would have never happened Yes, BistroMD gave me a credit for the entire amount....bittersweet I needed my money for my vacation but instead it was taken out of my account just days before my travel Hardships are not considered

Complaint: ***
I am rejecting this response because:
My wife wanted the money counted in front of her like lay it on the table in thousand stacks but your teller didn't do it fightshe kept the money in her hand in counted it to herself she did not count it in front of my wife right is that there policy not counting the money in front of the customer laying it in front of them when there is a dis pure like this the teller is not train properly an the bank did not count the money back to my wife right when the dispute was made
Regards,
*** *** ***

I am in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.Our Funds Availability Policy strictly complies with Regulation CCThis regulation provides for exceptions that allow financial institutions to delay, for a reasonable
period of time, the availability of funds if the bank has reasonable cause to believe the check being deposited is uncollectible.You negotiated a $1,Check drawn on Compass Bank on December 17, During our post deposit review on December 19th, we received confidential information from Compass Bank indicating this item may not be paidAccordingly, we applied our Funds Availability Policy by delaying the funds from the Check for seven business days as allowed by Regulation CCA notice of funds delayed availability was delivered electronically to your email address on file outlining the amount held, the reason for the delay, and the date funds would be made available.When you contacted us by phone on that same date, Personal Phone Banker *** confirmed that the hold was placed for the reason listed on your noticeWhen you inquired about whether any consideration could be made to remove the holdhe stated that we may consider the early release of the hold, prior to the existing expiration date, if we received confirmation from Compass Bank indicating that the check was paid from the account for at least hoursOn December 20111, we received a fax from your employer indicating that Compass Bank was having difficulty submitting the requested document to usThis was not sufficient to release the hold; however, we subsequently contacted Compass Bank directly and were able to confirm the payment of the checkThe delayed availability hold was released from your account and funds from the check were made available to you that same day.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 ***

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns.Electronic items you submit for deposit through the mobile banking applications are subject to verification and are not available for immediate withdrawalWe will use
commercially reasonable efforts to review each electronic item and decline any item that we in our sole discretion determine to be ineligible for the service prior to the Mobile Check Deposit cut-off timeWe will notify you via email when we receive your electronic item for deposit, and we will send you a separate email notification if your electronic item is approved or declined.Our records show on May 2, at approximately 3:p.mCST, we received your $electronic item (check number ***) for depositDuring subsequent verification, we found your account had an overdrawn balance of $143.38, and noted a return deposit item for $on March 22, We declined your electronic item as it was not eligible for mobile check deposit and notified you via email of our decisionOur email notification was sent to you at approximately 3:p.mCST on May 2, 2017.We show you logged into the mobile banking application daily between May 3, to May 10, when the $deposit was not reflecting in your account but continued to initiate transactions causing the amount of the existing overdraft to increase.On May 10, 2017, you visited our Victoria banking center for an explanation of our denial to negotiate check number ***Branch Manager *** explained that the electronic item you submitted was not eligible for deposit through the mobile banking applicationAlthough no bank error was made, in an effort to reach an amicable resolution *** offered to provide you with courtesy refunds totaling $but you declined the offer.As of today's date, your account ending in has an overdrawn balance of $Please take this opportunity to make a deposit to cover the negative balance in your account