Bealhen Construction, Inc.

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 ***

Complaint: ***
I am rejecting this response because:The credit I previously received of $was not within the past months and it was not a curtesy creditIt was a credit for a double fee you had given me for the same transaction It is illegal for you to penalize me twice for the same transactionI thought you were a bank who understood your customers financial needs, I was not asking for a loanbut to be fair and considerate that I was a faithful customer, using my card and making deposits The least I expected from "my bank" was a curtesy call to let me know about the fees and to credit me back at least fees since the transactions were only $each Your bank is not dealing with rich people, at some point there has to be consideration to your customers needs So basically what you are telling me on your letter it is okay for your bank to charge your customers times a fee of $for $transactionsYour representative offered me a call back from your supervisors which I never received, then when I decided to call in the agent was rudeNo where in your letter did you addressed the issue of being mistreated by your agents, if you can also forward those calls to Revdex.com so they can see how you treat your clients.
Regards,
Lisbeth Jovel

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 follletter to the Revdex.com and wish to inform you that our position remains unchanged.It is our practice to provide every new accountholder with our disclosure packet outlining the terms, conditions and fee schedule governing their account relationship with usSince you are unable to locate all disclosure documents provided you at account opening, we have enclosed an additional copy of the disclosure packet for your records.During a visit to a branch or a phone call to Customer Support, a bank representative may highlight some of the main points of your account relationship, but accountholders should rely on the disclosure packet as the final authority for all terms, conditions, and fees associated with the account.We show the phone number you placed on file with us is the same number you provided in your letter to the Revdex.comIf you wish to receive the one-time security code via text message, you may enter a separate phone number from what we have on file in the designated fieldAs previously stated, you may also obtain account balance information by calling our Hour Personal Account line or speaking with one of our customer care representatives

Please see attachment for a copy of our response.We are in receipt of your follletter to the Revdex.comOverdraft notices are mailed on the next banking day after the banking day the overdraft fee was assessed to the accountIf you wish to have your overdraft notices delivered to you electronically to your email address on file, we invite you to complete the E-Statement enrollment processYou may do so by visiting our website to participate in Live Chat or to complete a Feedback Form, or you may call me at my direct dial number provided in my voice mail.As a gentle reminder, a $Negative Balance Fee is applicable if your account remains overdrawn for six (6) consecutive banking daysWe will waive the fee if on the sixth (6th) day your account is overdrawn less than $3.00.To end this dispute amicably, we have refunded the Negative Balance Fee assessed to your account on September 6,

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. Finally, after over a month and with the help of the Revdex.com I was able to get a respond from First National Bank and able to make the bank close the fraudulent accountAs a personal experience I will never recommend this Bank
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
Regards,
*** ***

Our response was submitted on December 15, 2015. A copy of our response is attached for your reference.December 11, 2015*** ***
*** * *** *** *** ***
*** ** ***Re: RevDex.com case #*** Dear Mr***:Thank you for
taking the time out of your busy work
day to speak with me today about the
concerns outlined in your letter to the Revdex.com.During our
conversation, we discussed bank related fees including the monthly maintenance
fee, the per item withdrawal fee, and negative balance fee as outlined in the
document titled, "A Clear and Concise Guide to the Savings Account"
provided to you at time of account opening.We then addressed
each of your concerns regarding the notice you received on December 1, 2015;
low balance alert for your savings account; transaction activity that caused
the per-item non-sufficient funds fee; and the statement cycle for your savings
account.Strictly in
recognition of your efforts to maintain your account responsibly, I have
processed a courtesy refund of $to your accountYou stated your concerns
were resolved to your satisfaction, and would continue your account
relationship with us.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.*** ***
*** ***Customer RelationsCC:
Revdex.com** *** ***

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 correspondence to the Revdex.com. We appreciate the opportunity to provide you with information as to why your August 3, 2017 Electronic Funds Transfer claim for an alleged unauthorized ATM withdraw of $600 was denied.During our investigation, we retrieved a...

copy of the ATM audit report and found two ATM withdrawals were conducted at a Gold Key ATM located at our Randol Mill Road banking center using your debit card number ending in 8253. The first withdrawal occurred on July 3, 2017 at approximately 5:31 p.m. for $600. Since this withdrawal was completed after the end of the banking day of July a pre-authorization hold was immediately placed on the funds and the transaction posted to your account on July 4th. The second withdrawal was completed on July 4th at 2:09 p.m. for $600 and posted to your account that same day. During our review Of the ATM audit report, we noted that both ATM withdrawals were completed with the correct PIN.Additionally, we viewed branch surveillance photos of a person conducting both ATM withdrawals. We matched the surveillance photos with a photo of you taken on October 9, 2015 when you established your account with us and found you were the person conducting both ATM withdrawals. We denied your claim based on these findings and mailed you the enclosed letter of the final disposition on your dispute.As of today's date, your account ending in [redacted] has a charged-off balance of $407.52. Please take this opportunity to 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 TexasAttn: Mail TellerPost Office Box 937 Killeen, TX 76540

May 19, 2016 [redacted] Re: Revdex.com #[redacted] Dear Ms. [redacted]: We are in receipt of your letter 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. Our Funds Availability Policy strictly complies with Federal Reserve Regulation CC. This 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. As stated in your letter, a delayed availability hold was placed on the $2,000.00 [redacted] Company check you deposited on May 1, 2016 when we received confidential information indicating the item may not be paid. In accordance with Federal Reserve Regulation CC, a notice of delayed funds availability was delivered electronically to your Hotmail email address on file on May 13, 2016 (date the hold was placed) outlining the amount held, the reason for the delay, and the date funds would be made available. Our records show we released the hold that same day after receiving confirmation the deposited check had been paid upon presentment to the bank on which it was drawn. Should you have additional questions, please do not hesitate to call me at my direct dial number provided in my voice mail. Sincerely[redacted] Vice President Customer Relations CC: Revdex.com

March 18, 2016 To Whom It May Concern: Our response to Revdex.com Case [redacted] has been attached.  A hard copy has also been forwarded directly to the customer at the address referenced within the case file. Sincerely,[redacted] Customer Relations  First Convenience...

Bank [redacted]
[redacted]Re: RevDex.com #[redacted] Dear Mr. [redacted]:We are in receipt
of your recent letter to the Revdex.com and appreciate the
opportunity to respond to your concerns.After a review of
this matter, we found that the closure of your account ending in -[redacted] was not
handled as advised on January 21, 2016. Since the account remained opened for a
period of time thereafter, recurring transactions which you had previously
scheduled with individual merchants were presented for payment and were
subsequently returned unpaid due to insufficient funds; resulting in the
assessment of several bank service fees. When you discussed this issue with our
staff at the [redacted] you were provided a
partial refund of fees totaling $406. You subsequently requested the closure of
all accounts, which was effective as of February 29, 2016. To fully resolve
this matter, we have enclosed Cashier’s Check [redacted]2 in the amount of $410
which represents the remaining fees assessed to your account ending in -[redacted]
between the dates of January 22nd and February 29th. We
apologize for any inconvenience you may have experienced in relation to this
matter.Sincerely,  [redacted]
[redacted]
[redacted]
[redacted]
[redacted]

We are in receipt of your letter to the Revdex.com. We understand it can be frustrating when an unexpected fee is charged to your account so we appreciate the opportunity to address your concerns.When you opened your checking account, we provided you with a disclosure packet which...

included the terms, conditions, and fee schedule governing your account relationship with us. The Banking Services/Fee Schedule disclosure provides information on inactive accounts. Inactive account are those accounts with no owner initiated debits or credits for eleven (I I) consecutive months. These accounts are subject to an account inactivity fee of $35.00 or the remaining balance of the account (whichever is less).So that our customers are not surprised by this action, we mail a notification letter on the tenth month of inactivity (copy enclosed). This letter provides information on the inactive status, the associated fee, and actions you may take to avoid the account becoming inactive.We show the inactivity fee of $35.00 was assessed to your account on July I , 2017. You visited our Haslet banking center on July 14 th to understand why your account was assessed the fee and subsequently requested that we close your account. Your request was honored and your account closed that same day.We wish you much success in your future financial endeavors.

Please see attachment of our response. Re: Revdex.com Case #[redacted]Dear Ms. [redacted]:It was my pleasure to speak with you by phone today regarding your letter to the Bettter Business Bureau.As discussed, when you opened your account, you were provided with a disclosure packet covering...

the terms, conditions and fee schedule governing your account relationship with us. Included therein, the Deposit Agreement states, in part; "If you attempt to close your Account or we close your Account, but a debit or credit on your Account is subsequently processed by our automated systems, then we reserve the right at our sole discretion not to close your Account or to reopen your Account".Our records show on May 4, 2015, a Point-of-Sale (POS) Return Credit of $7.95 credited your account ending in [redacted]. This credit reopened your account, and your account became subject to the terms, conditions, and fee schedule as disclosed at time of account opening. In an effort to resolve this matter amicably, we have processed refunds totaling $80.00 to restore your account balance to $7.95. Please find enclosed cashier's check number [redacted] for that amount. The account is now closed.

Please see attachment of our response.Dear Ms. [redacted]:  It was a pleasure to speak with you today about the concerns outlined in your letter to the Revdex.com.As discussed, when you opened your account you gave us written permission to use our discretion to overdraft your...

account if you initiate a payment request that exceeds the amount you have available. The disclosed per item overdraft fee will be assessed for each paid transaction. If we choose to pay items into the overdraft that (a) are less than $1 per item or (b) collevtively results in an Account Balance that is less than $3 overdrawn, including fees, we will not charge you an Overdraft Fee for such items; however, if you do not return your Account to a positive balance then you will be subject to a "Negative Balance Fee" as defined and described in our Banking Services/ Fee Schedule. You may change your overdraft election at any time by contacting us as 1-800-903-7490, visiting your local branch, or you may send us a secure message through Internet Banking.In recognition of your efforts to make a deposit to cover the overdraft, we have processed a credit of $34.00 to your account. Should you require further information or assistance, you are welcome to submit a Customer Feedback form, partcipate in Live Chat, or you may contact me directly at [redacted].Sincerely, [redacted]

Complaint: [redacted]
I am rejecting this response because:Still does not explain why no notices were sent in regards to the account being over drawn.  If we had been notified we would have been able to avoid the fee.  So am I to conclude that the bank dies not notify it's customers when their account is overdrawn to guarantee that the fee will be charged.  If that's the case that's bad business.  I still contend that even I'd we were aware of the fees that we should have been notified of the overdraft in written form of some sort.  Seems that the bank is only after fees and it's customers are not important in any way.  I'm thinking that as soon as we can, my husband and I will be changing to a bank that does care about its customers and will be sure to tell everyone we know to not do business with a shady bank who is only concerned with charging it's customers fees without giving the the chance to rectify a problem by notifying them.  The only reason we kept our accounts open at this point was waiting on this resolution.  But case in point...shady bank that likes to charge without notifying of overdrafts.  
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: to see the how nasty this bank is the post my entire account online. I am just frustrated and will end my relationship with them. They don't want to accept their fault but want to access fees to my account after you post the $12 fees it was not quite 6 days you then access $34 fees and you are refusing. I will forward my complain  somewhere else. You need to be jail for your style of practice.
Regards,
[redacted]

Please see attachment for a copy of our response.We are in receipt of your recent letter to the Revdex.com. We 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.As...

indicated in your letter, when you established your account on January 6, 2015 you told us you did not want us to authorize and pay overdrafts for any transaction type. Your initials to the right of the enclosed signature card confirm your election of no overdraft privilege, and serves as your agreement to be assessed a non-sufficient funds (NSF) fee for each item we return unpaid as disclosed to you in the documents titled, "Welcome to the Family" and "Banking Services/Fee Schedule".Please 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 overdraft. Whether we pay or return an NSF item, we can charge your Account a fee per item as set forth in our Banking Services/Fee Schedule. The fee may be imposed on checks and other transactions such as preauthorized debits, telephone-initiated transfers or other electronic transfers. We have no obligation to notify you before we pay or return any item. The 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 incur. The amount of any overdraft and NSF fees are due and payable as of the date incurred.On April 14, 2015, your available balance was $23.55 when an electronic debit from PROG COUNTY MUT for $124.66 presented for payment. We returned the item as NSF and assessed the disclosed $34.00 fee. Similar occurrences took place each time a transaction made using your checking account number presented for payment against an insufficient account balance. As stated in your call to Customer Support on April 22, 2015, upon receipt of a letter from Progressive County Mutual Insurance Company stating they submitted the debit for payment in error, we will refund any fees we assessed related solely to that error. You may forward supporting documentation from the merchant by fax to ###-###-####.Thank you for making us aware of unauthorized debit attempts on your account by U-Haul. Consumer protection laws allow you to file an unauthorized claim on payment order debits you believe to be unauthorized. You may do so by contacting our Dispute Resolution Center at ###-###-####, select 1(English) or 2 (Spanish), then option 2 followed by option 4. If the investigation supports the claim of unauthorized activity, your account will be credited for the amount of the transaction along with the fees directly resulting from the disputed transaction(s).In the meantime, your account ending in [redacted] charged off with an overdrawn balance of $420.21. You may make a deposit to correct the overdraft by visiting any of our branches or by mailing a deposit to First Convenience Bank, Attention: Mail Teller, [redacted]