Bealhen Construction, Inc.

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to clarify some of the facts we uncovered during our research of your concerns.Our Funds Availability Policy, which complies with Federal Reserve Regulation CC, states in part, "...If we are not going to...

make all of the funds from your deposit available on the first (1st) banking day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day following the banking day we receive your deposit. If you will need the funds from a deposit immediately, ask us when the funds will be available".We show on April 9, 2017, you deposited checks numbered 97 for $240.00 and 98 for $540.00; both drawn on your account with Chase, in to your accounts ending in -[redacted] and -[redacted] respectively. The following morning at approximately 8:08 a.m., you completed a $240.00 ATM withdrawal from account -[redacted] and a $500.00 ATM withdrawal from account ending in [redacted]. During our post deposit review on that same date, a seven business day hold was placed on the amount of the check as allowed by Regulation CC when we received confidential information indicating the item may not be paid. When we placed that hold, a notice of funds delayed availability (copy enclosed) was delivered electronically to your Gmail email address on file outlining the amount held, the reason for the delay, and the date funds would be made available.We show checks numbered 97 and 98 were returned to us unpaid by JP Morgan Chase Bank on April 12, 2017 for 'Closed Account' and charged back to your account. The associated return item fee was assessed along with an overdraft fee when the charge-back debit overdrew your account.As of today's date, your accounts ending in [redacted] and [redacted] have a charged-off balance of -$346.84 and 5685.33 respectively. You may make a deposit to correct this overdraft by visiting any of our branches or by mailing a deposit to First Convenience Bank, Attention: Mail Teller, [redacted].

December
3, 2015To
Whom It May Concern:Our
response to [redacted] rejection
has been attached.Sincerely, [redacted] Real Time Service Center First Convenience Bank November 30, 2015[redacted]
[redacted]
[redacted]Re: RevDex.com case #[redacted] Dear [redacted]We are in receipt of your follow-up letter to the RevDex.com. As stated in our email to you on November 19, 2015, we are unable to
share with you any information regarding another individual or bank account. We
will comply with any lawful order received which requires us to provide
information.To date, we have not
received any lawful instruction that compel us to respond with the information
you have requested. We consider this matter closed.Sincerely,[redacted]Customer
RelationsCC: RevDex.com

Attached is our response to Mr. [redacted] for your review.

Attached is a copy of our response to Ms. [redacted].

[redacted]
[redacted]
[redacted]
[redacted]
[redacted] Dear Ms. [redacted]:We are in receipt
of your follow-up letter to the Revdex.com. On January 23, 2016,
you initiated a Live Chat request through our website concerning your overdraft
privilege selection. Bank officer [redacted] contacted you directly by phone to
address your concerns.During the conversation, you expressed your frustration about the
occurrence of overdraft in your account and stated that you have been in
contact with Branch Manager [redacted] concerning the assessment of non-sufficient
funds and negative balance fees to your account. You mentioned that [redacted] had
offered to escalate your refund request with no guarantee of the outcome. In an
effort to resolve your concerns, [redacted] processed a courtesy refund of $34.00 to
your account ending in [redacted].After careful
consideration, we are denying your request for additional refunds.  Sincerely,[redacted]Vice President Customer Relations

Complaint: [redacted]
I am rejecting this response because:I am aware of all this, your manager made it sound like I'm getting the courtesy refund. And that's what I want 
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]

Attached is a copy of our response to Ms. [redacted]. December 18, 2015[redacted]
[redacted]
[redacted]Re: Revdex.com case #[redacted] Dear Ms. [redacted]:It was a pleasure speaking with you by phone
to address the concerns outlined in your letter to the...

Revdex.com.
As stated, in recognition of your efforts to monitor your account balance, I
have processed a credit of $34.00 to your account.During our phone conversation, we discussed our overdraft services
as outlined in the Deposit Agreement provided you at account opening. I asked
you if you wished to change your overdraft election from full overdraft
privilege to our standard overdraft service or no overdraft service but you
declined.Please note, the 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.To help our customers be successful in managing their account, we
provide free account monitoring tools such as Online Banking and Mobile
Banking. You may also wish to enable text alerts to receive notifications of
when your balance has fallen below a designated amount.You may also elect 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 accounts. AccountTRANSFER Overdraft Protection transfers are made for
the exact amount required to cover the overdraft plus the applicable
transfer fee.If you wish to benefit from the AccountTRANSFER Overdraft
Protection Plan or change your overdraft privilege election, 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.[redacted]
[redacted]Customer RelationsCC: Revdex.com

It was a pleasure to speak with you on August 18th and August 19th about the concerns outlined in your letter to the [redacted]. During our August 18th phone call, I processed another debit card order and expedited the shipping at no cost to you to your address of [redacted]...

[redacted]. We show the new debit card ending in [redacted] was delivered to that address on August 22" at 8:55 a.m. I attempted to contact you on that same date to confirm you received the new debit card but was unsuccessful in reaching you by phone. Our records show you activated the new debit card and began using it on August 23, 2016. Should you require further information or assistance, please do not hesitate to contact me directly at [redacted]. I stand ready to provide you help.

Please see attachment for a copy of our response. Re: Revdex.com #[redacted] Dear Mr. [redacted]:We are in receipt of your most recent letter to the Revdex.com and wish to inform you that our position has not changed from our response to the Office of the Comptroller of the Currency Case [redacted] dated July 20, 2015.During our July 20`11 phone call, you acknowledged that you were informed of the overdraft privilege choices available to you at time of account opening, selected no overdraft privilege, and was given the new account disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with us.Included in that packet was a document tiled, "A Clear and Concise Guide to the Power Checking Account" which disclosed you will be charged an NSF fee for each check and ACH transaction that is returned because you do not have enough money in your account. We will not charge this fee if the item we return is less than $1.00.An additional copy of the "Clear and Concise Guide to the Power Checking Account" is enclosed for your reference. Please direct your attention to the section titled "What You Need To Know About Overdrafts and Overdraft Fees". I have highlighted the area that discloses the Non-Sufficient Funds (NSF) Fee and Negative Balance Fee in the section to the Overdraft Option you selected at account opening.

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 (11) 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 send written notification on the tenth month of inactivity which provides information on the inactive status, the associated fee, and actions you may take to avoid the account becoming inactive. We show this notification was delivered electronically to your ATT.net email address on May 7, 2016. Another copy of the letter is enclosed for your reference.On June 7, 2016, your account was assessed an inactivity fee of $25.43 and closed with a zero balance. As a good will gesture, we have refunded the $25.43 inactivity fee and credited that amount to your account ending in -[redacted].Should you require additional information or assistance, please do not hesitate to call me directly at [redacted].

Attached is a copy of our response to Ms. [redacted].

November
23, 2015To
Whom It May Concern:Our
response to Ms. [redacted]’s concerns along with the pertinent supporting
documents has been attached.Sincerely, [redacted] Real Time Service Center First Convenience BankNovember 18, 2015[redacted] [redacted]Re:...

Revdex.com Case #[redacted] Dear Ms. [redacted]:We are in receipt of your correspondence 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 concernsWhen you established your account, we provided you with a disclosure
packet covering the terms, conditions and fee schedule governing your account
relationship with us. Included therein, the Deposit Agreement outlines our
right of set off and states, "We may set offfunds in your Account to
pay any debt you may owe us. If 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 the Account... We 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 Imv and to the extent necessary to satisfi7 all ofyour
debts and liabilities to us, however and whenever incurred or evidenced".We show on April
17, 2015, you received a Fresh Start Loan of $985.80. You agreed to repay the
loan in 6 monthly installments of $164.30 beginning May 31, 2015 and ending
October 31, 2015. A review of your Fresh Start Loan payment history shows your
last loan payment was received on September 9, 2015. When we did not receive
further payment from you on the due dates of your loan, we exercised our right
of set-off on October 12th, October 171h, and November
12, 2015 when we transferred funds from your accounts ending in [redacted] and [redacted]
to set off an obligation you entered when you established the Fresh Start loan.I have enclosed
copies of your October 2015 and November 2015 monthly account statements when
we exercised our right of set off.As of the date of
this letter, your Fresh Start loan has a past due balance of $171.06. Please
take this opportunity to make a payment to your loan by visiting any of our
branch locations, contacting us by phone at [redacted] or by mail to: First
Convenience Bank, Attn: [redacted]In the future, should
you require further information or assistance from us, we invite you to submit
a Customer Feedback form through our website, participate in Live Chat or send
a secure message through Internet Banking.Vice President Customer RelationsCC: Revdex.com Enclosures (11)

Attached is a copy of our most recent letter to Ms. [redacted].

We are in receipt of your recent letter to the Revdex.com. It is frustrating when unexpected fees are charged to your account so we appreciate the opportunity to respond to 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 account. Included 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 $34.00 for each item we pay into the overdraft. We will not charge an overdraft fee if the items we pay are $1.00 or less or result in an overdrawn balance of $10.00 or less. We will also limit the number of per item overdraft fees we charge on this account to 12 per month. However, if you do not return your account to a positive balance then your account will be subject to a Negative Balance Fee on the sixth (6th) banking day your account remains overdrawn. We will waive the fee if the on the sixth (6th) day your account is overdrawn $10.00 or less.The aforementioned disclosure documents also outline our overdraft services. Our records show that you opened your account on July 27, 2014; and, at that time, made an overdraft privilege participation election of full overdraft privilege. This means we may use our discretion to authorize and pay overdrafts for ATM and everyday debit card transactions or recurring debit card transactions when your account does not have sufficient available funds to cover the transaction at the time it is attempted, checks, ACH transactions and automated bill payments.A review of your transaction history shows on February 21, 2017, during our nightly transaction processing routine, a transaction of $15.19 from GERBER LIFE INS/INSURANCE presented for final payment against an insufficient available balance of $2.51. Based on your overdraft election, we paid the transaction and assessed the disclosed per-item overdraft fee, leaving an available account balance of -$46.68. The enclosed document titled DDA Holds/Transactions History shows your account activity on February 21st. Please take a moment to read the information page which accompanies the transaction detail; noting section 2, which outlines pre-authorized transactions.Although no bank error was made, we have processed a credit of $34.00 to your account ending in [redacted] signifying our desire to end this dispute amicably.To avoid unwanted fees in the future, we suggest you maintain an accurate transaction record of all your account activity and continue to utilize our free online and mobile banking tools to reconcile that record. If you have not done so, we also encourage you to enable text alerts to receive notifications of when your balance has fallen below the designated amount. The account will not be assessed an overdraft or non-sufficient fee if there are sufficient funds to cover all previously outstanding debits as well as the new transaction being initiated. You may also wish to consider opening a secondary account and enrolling 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 accounts. AccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer fee. If 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.

Attached is a copy of our response to Ms. [redacted].It was my pleasure to speak with you by phone regarding your letter to the Revdex.com. Please accept our sincere apology for the level of service provided you during your phone call to us for assistance with your account. Be assured we...

have taken steps to correct this training oversight.In an effort to assist you, I emailed a new signature card to you to formalize the removal of your name as a joint account holder, and designation of your authority as an authorized agent on checking account ending in [redacted]. You were asked to forward the completed signature card to me at:First Convenience Bank[redacted]I received an electronic copy of the completed signature card on April 14, 2016. During our April 15th phone call, you stated you had not yet placed the original signature card in the mail but would do so. At the conclusion of the call you stated your concerns have been resolved to your satisfaction.

Please see attachment for a copy of our response.Thank you for taking time out of your busy work day to speak with me today about the concerns outlined in your letter to the Revdex.com.As stated in our phone conversation, each party has a responsibility to maintain the account. Our...

responsibilities are outlined in the Deposit Agreement provided at time of account opening. The accountholder's responsibility is to maintain an accurate transaction register of the account activity, to ensure that we have your current mailing address in our records, and to review and balance all statements promptly and notify us of any suspected errors, forgeries or irregularities concerning your account.A review of our records shows you did not complete the enrollment process to Online Banking and E-Statements, therefore; your account was set for paper delivery of the monthly account statements. Upon researching your concerns, I found your February 2015 bank statement was returned to us by the United States Postal Service. This caused the account status to be moved to "AUK" or "address unknown" and the assessment of the $10.00 returned mail fee as disclosed in the Banking Services/Fee Schedule. To decrease the risk of identity theft or fraud on your account, we stored your statements that were generated thereafter in our system until such time as you provide us with your correct address information. Eventually, your account became overdrawn and when no deposits were made to return the account to good standing, the overdrawn balance of $76.00 was charged off on September 8, 2015.It is our desire to end this dispute amicably so as discussed, I have credited $76.00 to your account ending in 8512. Your account is now closed.We wish you much success in your future financial endeavors.

We are in receipt of your recent letter to the Revdex.com. 1 attempted to contact you at [redacted] to address your concerns. Unfortunately, my requests for a return phone call have gone unanswered.After a review of our records, we found that Branch Manager, [redacted], spoke with you on...

November 18, 2016 regarding this matter. At that time, she explained that while the temporary checks were issued for the account ending in -[redacted], overdraft or NSF fee assessment would have still been applicable on the dates of presentment; as neither your Checking Account ending in -[redacted] nor your Savings Account ending in -[redacted] had a sufficient balance to support the temporary checks written in the amounts of $48.00 and $21.93 which were presented for payment on November 16`" and November 17th, respectively.[redacted] also reported that during her conversation with you, you mentioned that you had used the checks for goods/services related to your son which may have contributed to the checks being issued for the account on which your son is listed.In review of both your closed and active Savings accounts, we found no record of any checks presenting for payment reflected within the transaction history prior to November 2"d (date you visited our banking center to obtain the temporary checks). We do show that a prior temporary check was issued for the Checking Account ending in -[redacted].In an effort to resolve this issue amicably, we have provided a one-time courtesy refund of $34 representing one NSF fee to your account ending in -[redacted].Should you require further information or assistance. please do not hesitate to contact me at my direct dial number provided in my voice mail.

We are in receipt of your letter to the Revdex.com. We understand it can be frustrating when unexpected fees are charged to your account so we appreciate the opportunity to address your concerns.If you choose to use your debit card as a convenient way to purchase goods and services,...

please keep in mind these transactions impact your account available balance differently than checks and traditional ATM card transactions. In most instances, when you use your Debit MasterCard@, a "hold" is placed on available funds in your Account. These holds or pending transactions will remain on the account until (a) the charge is presented by the merchant and clears your Account or (b) up to a maximum of three (3) banking days, whichever is sooner. Funds on hold are not available for withdrawals, payment of checks or other debits. If the charge is not presented by the third (3rd) day, the "hold" is released. However, a merchant has up to ninety (90) days to present a transaction for payment, so you should continue to carry the purchase amount as an outstanding item in your transaction register.In order to avoid unwanted fees, never assume that items will pay in a specific order and always use your transaction register to keep track of your account balance. Just because an item receives a hold and is authorized for payment does not guarantee that the item won't generate an overdraft fee when it clears your Account. If other items are posted to your Account in the meantime and create a negative available balance, items with a hold may generate overdraft fees.We found this to be the case on July 2 1 st when you made use of our overdraft service by completing two ATM withdrawals totaling $244.50 against an available balance of $21.1 1. We used our discretion to authorize and pay the withdrawals into overdraft assessing the associated overdraft fee for each withdrawal. The following day, two debit card purchases (Taco Bell and Burger King) totaling $8.63 presented for final payment against an overdrawn account balance. When a transaction is preauthorized, we are legally obligated to pay (post) these debits upon presentment. These transactions were posted into overdraft and the associated overdraft fee was assessed for each item. When no deposits were made to restore the account to good standing, the negative balance fee was assessed on July 26, 2017.The enclosed documents titled DDA Holds/Transaction History detail transaction activity are for the days of July 21 st to July 22nd, and July 26th. Please take a moment to read the informational sheet which is also enclosed.As of today's date, your account ending in [redacted] has an overdrawn balance of $398.39. Please take this opportunity to make a deposit to cover the negative balance in your account.

Thank you for taking my phone calls on February 7th and February 9th to discuss the concerns outlined in your letter to the Revdex.com.Please find enclosed a copy of our final determination letter for your identity theft claim. In support of our decision, we have enclosed a copy of the...

signature card for checking account ending in [redacted] which you established with us on March 24, 2014. The loan proceeds were deposited into this checking account on September 17, 2014, and you established a monthly automatic transfer from this checking account to repay the loan. Also enclosed are the loan closing documents for Fresh Start Loan ending in [redacted] for your records.As of today's date, the charged-off balance of your Fresh Start Loan is $37.46. You may remit payment of the charged off balance by visiting any of our branches or mailing a check or money order to:[redacted]
[redacted]
[redacted]
[redacted]