Bealhen Construction, Inc.

Complaint: [redacted]
I am rejecting this response because: you took a lot of money for me in the past year and only want to make my account balance so that it's not negative. Plus on top of that I'm still not getting the services I specifically requested and was promised from the start. Thanks but I think I prefer to go elsewhere. I'm going to find a bank that is into taking care of their customers and not trying to take their money every chance they can get. Not to mention your fees and penalties are  probably the highest around. Thanks but no thanks
Regards,
[redacted]

We are in receipt of your letter to the Revdex.com. It can be frustrating when you don't understand actions we take involving your account so we appreciate the opportunity to address your concerns.When you established your account with us, we provided you a disclosure packet which...

included our Funds Availability Policy. This policy strictly complies with Federal Reserve Regulation CC and it states:"Our policy is to make funds from your deposits available to you on the first (1st) banking day after the day we receive your deposit... Depending on the type of check that you deposit, funds may not be available until the second (2") business day after the business day of your deposit. However, the first $200 of your deposit will be available on the first (1St) business day. 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".In addition, funds you deposit by check may be delayed for a longer period than two (2) business days, and the first $200 may not be available under the following circumstances:· We believe a check you deposited will not be paid· You deposit checks totaling more than $5,000 on any one (1) business day· You redeposit a check that has been returned unpaid· You have overdrawn your Account repeatedly in the last six (6) months· There is an emergency, such as failure of communications or computer equipmentWe will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the business day of your deposit.We show that you deposited check number [redacted] in the amount of $2,713.42 on February 14, 2017. At the time of your deposit, you were informed by Branch Manager [redacted] that a seven business day hold would be placed on the $2,713.42 check due to repeated overdrafts. When you indicated that you would rather have all of your money available immediately, [redacted] suggested that she return the check so that you could attempt to cash it at the bank on which it was drawn. You declined the offer, the deposit was made and you were providedwith a receipt and the notice of delayed availability (copy enclosed).We released the hold early on February 21st after receiving confirmation the deposited check had been paid upon presentment to the bank on which it was drawn.In the future, if you wish to negotiate a check drawn on another financial institution, you may present the check directly to the bank on which it was drawn. You may also ask the bank on which the check was drawn to fax a letter stating the check has been paid. This letter may be faxed to [redacted].

Complaint: [redacted]
I am rejecting this response because:
I want to see your proof that you were told this check would not cash. Anyone can use that as an excuse!  My boss was in the bank and the bank manager tried to get answers from your company and was given the run around as was I. I have worked there over 7 years and have NEVER had an issue with a check. The bank manager called everyone she could in the company and found NO information that was given to my bank that this check might not clear. I was also informed by employees of the local branch that loss prevention had been doing this to seveal accounts for no reason and causing problems with other people's accounts.  This is no way to run a business.  Your loss prevention department can not just do what they want with no consequences.  This has to be looked into. I am not one to sit back and be taken advantage of by a company who hides behind a saying that they have a right if they have valid information.  Well when I see the valid information I will believe it.  Even if the Revdex.com can see this valid information and confirms it to be true I will be happy considering the bank has denied ever giving this kind of information to you.  They tried hard to get this problem fixed and ran into the same issues I did.  No one could give the same reason for the check being held and I was hung up on 3 different times. This is not how you deal with someone calling to find out what is going on with her account.  Again I want to see that you have VALID proof that you were told this check would not clear and did not just do this because you think you can. You can not play with people's money like this and not have to answer for it.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: The response did not address a single one of my concerns. It was honestly laughable.  With refection of my initial complaint I've been charged 1,000's of dollars in fees. (see supporting documentation. I personally was under the impression when you "op out" of over draft protection, with new law you could not do this. All FCB has done, is changed the name of the fee and charged me thousands. Also, her response and after our conversation, she has done nothing to even come close to show and moral or integrity that should be given as a customer or for the Banking industry. I'm currently speaking with two federal banking agencies and would appreciate the Revdex.com to escalate this to next level and work together in order to hel pme (the customer) and help bring light to this problem as I know I'm not the only customer they have tried to do something like to this to. 
Regards,
[redacted]

We are in receipt of your letter to the Revdex.com and find that we have already addressed your concerns.You contacted Executive Vice President [redacted] on March 6, 2017 for assistance with your account. In an effort to reach an amicable resolution, you were provided with a...

courtesy credit of $34.00 and the charge off collections of $12.88 and $65.50 were reversed from account ending in [redacted] and credited to checking account ending in [redacted]. Additional courtesy credits totaling $78.38 were processed to account ending in [redacted] and the account closed at a zero balance.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.

Attached is a copy of our response to Mr. [redacted].[redacted]
[redacted]Re: RevDex.com case #[redacted] Dear Mr. [redacted]:It was a pleasure
speaking with you by phone to address the concerns outlined in your letter to
the Revdex.com. I was sorry to...

hear that our service did not meet
your expectations when you contacted us by phone for an explanation of the
overdraft fee assessed to your account. Your feedback has been shared with
senior management for consideration of any necessary corrective training.We understand
that your Debit Card is a convenient way to pay for goods and services, but
these transactions impact your Account available balance differently than
checks and traditional ATM card transactions. Each time you use your Debit
MasterCard®, a "hold" is placed on available funds in your Account
because the Bank has a legal obligation to pay that debit upon presentment for
payment. 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.Please note, just
because a transaction is given a pre-authorization approval 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 clear your account in the meantime
and create a negative available balance, previously pre-authorized items may
generate overdraft fees.As stated, if you
wish to continue your election of full overdraft privilege, you authorize us to
use our discretion to pay overdrafts on any
transaction type even when you do
not have enough money in the account. 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.In recognition of
your efforts to make a deposit to restore your account to good standing, I have
processed a courtesy refund of $34.00 to your account.At the close of our
conversation, you stated your concerns were resolved to your satisfaction and
expressed appreciation for our phone call. 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.[redacted] **
[redacted]Customer Relations

Please see attachment for a copy of our response.  Please note, this response was mailed to your office on September 2, 2015. We are in receipt of your recent letter to the Revdex.com. We appreciate the opportunity to provide you with information as to why your June 29, 2015...

electronic funds transfer claim for two alleged unauthorized debits of $382.70 by Priceline and $543.54 by Spirit Airlines was denied.When we receive a report of unauthorized debit activity, Federal Reserve Regulation E allows ten (10) business days from receipt of the report for a financial institution to investigate and resolve the claim. At the end of the ten (10) day period, the financial institution must either have resolved the claim or provided a provisional credit while they continue their investigation.Those guidelines were followed when we provided your account ending in [redacted] with provisional credit totaling $1,028.24 on July 13, 2015 while we continued our investigation. As permitted by MasterCard guidelines, we "stood in your shoes" to initiate a chargeback to Priceline and Spirit Airlines of the disputed transactions with no guaranty of the outcome. Subsequently, Priceline and Spirit Airlines rejected this chargeback by providing sufficient information which supported that the disputed transactions were indeed authorized. Based on those findings, your claim was denied and we reversed the provisional credits on August 13, 2015.We provided you notice of our actions in our letter dated 08/13/2015 (copy enclosed). Also enclosed are the documentation from Priceline and Spirit Airlines on which our reversal decision was based. Regretfully, we have exhausted every option available to us to resolve your dispute with the merchants.

It was a pleasure to speak with you today about your letter to the Revdex.com.During our call, we discussed your overdraft privilege election, and the way overdrafts, NSF, and negative balance fees are assessed to an account. As a reminder, an NSF fee will be assessed for each check, ACH...

transaction and bill payment 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 $1 or less.Although you have elected not to have overdraft privilege, your account may still become overdrawn.The Bank may be legally obligated or have the contractual right to pay certain items resulting in an overdraft in your account. Examples include, but are not limited to, ATM withdrawal and pre-authorized Debit MasterCard transactions.To resolve this matter amicably, we have processed refunds totaling $136.00 to your account ending in [redacted]. You confirmed your understanding of the overdrafts, NSF and negative balance fees, and stated you would continue your account relationship with us.Should you have additional questions or concerns, please do not hesitate to contact me directly at [redacted]

Complaint: [redacted]
I am rejecting this response because:as stated in my last rejection, I and hope the Revdex.com,, FRCH , and the Texas Banking Authority will stand by me, that  I was with out question unaware of the "fee" and there's something seriously immoral about a bank would think they can charge $700 a month (SEE ATTACHMENT)  in "NSF" fee's because  I was aware. Like I just wanted to give you guys 34 dollars just to decline my transaction. Furthermore, we did discuss that the Banking Rep brought up your fee's and ever verbally mentioned this. Next steps please Revdex.com. 
Regards,
[redacted]

November
20, 2015To
Whom It May Concern:We have not been provided with any details or explanation concerning the rejection from the consumer in order to tender a response.Sincerely, [redacted] Real Time Service Center First Convenience Bank

Please see attachment for a copy of our response to Ms. [redacted].

I am in receipt of your letter to the Revdex.com on behalf of your daughter, [redacted]. I would have preferred to speak with you and [redacted] directly but was unsuccessful in reaching you by phone. While researching your concerns, we listened to recordings of calls you made...

to us on September 17, 2016 concerning the non-sufficient fund handling fee assessed to your account ending in 9233 and [redacted]'s account ending in 9530. During your call with personal phone banker [redacted], you were told to work with the merchant (New York Life Insurance) to provide us with a letter stating they submitted an incorrect payment amount in error. Later that day, we received two letters from New York Life Insurance for you and your daughter [redacted] stating they erroneously attempted to debit your accounts for the incorrect amount. Upon receipt of the letters, we reviewed your account ending in 9233 and processed a refund of $34.00 representing the NSF fee that you would have avoided if the merchant submitted the correct debit amount for payment. However, after reviewing the letter sent for [redacted], we found the letter was not sufficient to warrant a refund on [redacted]'s account; the NSF fee would have been assessed even if the merchant submitted the correct debit amount for payment. On September 26, 2016 at approximately 7:14 p.m., we received a second letter from New York Life Insurance stating they submitted a second payment request in error to [redacted]'s account. This error resulted in a $34.00 NSF fee. We have credited [redacted]'s account ending in 9530 for that amount which restored the account to good standing. Should you have additional questions. please do not hesitate to call me at my direct dial number provided in my voice mail.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  However I am only doing so because they have made the decision to no longer want me as a customer but...

found that "No Fraud" was commited on the account. I still find it funny that I had to contact them to see what was going on, I received no phone call from them and instead was sent a letter after I contacted them. I also find it funny that they only tried to contact me after I made the complaint and again sent me letter. I'm done with them and had actually go there to recieve my money from a deposit made by my employer by mistake. 
Regards,
[redacted]

November
18, 2015To
Whom It May Concern:Our
response to Ms. [redacted] concerns has been attached.Sincerely, [redacted] Real Time Service Center First Convenience BankNovember 17, 2015[redacted]
[redacted]
[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 theAccount... 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
law and to the extent necessary to satisfr all ofyour debts and liabilities to
us, however and whenever incurred or evidenced".Our records indicate that we exercised our
right of set off on November 14, 2015 when a debit of $183.95 was transferred
from your sole owner checking account ending in 9560 to cover the debt owed us
in account ending in [redacted]Should 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 send a secure message through Internet
Banking.Sincere
[redacted]Vice PresidentReal Time Service CenterCC: Revdex.com

Druing the call I requested a copy of the Uniform Commercial Code 3-312. I was told by [redacted] it would be included which it is not.  I don't believe this is an actual law just something they based their procedure on 
Regards,
[redacted]

We are in receipt of your 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. When you established your account with us, ‘Ne 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 to set off, and states in part: We may set off funds 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. Each owner agrees to indemnify andand hold us harmless from all claims, demands, lawsuits, losses, costs, expenses and attorneys' fees we suffer or incur in enforcing your agreement to be jointly and severally liable for overdrafts, and to permit set off of the account against any one of your debts to us ....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 law and to the extent necessary to satisfi, all of your debts and liabilities to us, however and whenever incurred or evidenced. As referenced in your letter, we exercised our right to set off on July 10th and 12th when we transferred $23.99 and $15.39 respectively from your joint owner checking account ending in [redacted] to cover a debt owed to us by an authorized account owner. As of today's date, our records show your account ending in [redacted] is in good standing. Additionally, we show we stopped the return of the $53.77 electronic debit to PRIMERICA LIFE/INS and paid the item on August 2, 2016 when we received a cash deposit of $165.00 by joint owner [redacted]. Should 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 send a secure message through Internet Banking.

Complaint: [redacted]
I am rejecting this response because: This is NOT what I have asked First National Bank to do.I have specifically request them to EXPLAIN as to why they had not release my Wired Funds to the Beneficiary; but instead deny her the Funds send, and closed her Account.Secondly, they had been requested to RETURN the Funds to the Sender, (Carin Erasmus in Namibia), which they too did not comply with. I want them to send back my FUNDS WITH IMMEDIATE EFFECT AND NO FURTHER DELAY.They should stop playing games and send my Money back!!!! 
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]

Atached is a copy of our response to [redacted].

Please see attachment for a copy of our response to Mr. [redacted].December 8.2015[redacted]
[redacted]
[redacted]Re: Revdex.com case #[redacted] Dear Mr. [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.While researching your concerns, I found on
November 2, 2015 you visited our banking center located at 12605 Interstate 45
N. in Willis, Texas to inquire about the inactivity fee assessed to your
account. During your visit, our representative informed you that inactive
accounts or accounts with no owner initiated debits or credits for eleven (11)
consecutive months are subject to an account inactivity fee of $35.00 or the
remaining balance of the account (whichever is less). This information is
disclosed in the "Banking Services/Fee Schedule" which was provided
to you at time of account opening.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. A search of our records show this
notification was delivered to you electronically to your suddenlink email
address on file. A copy of the letter is enclosed for your reference.We show you received a refund of $35.00 representing the
inactivity fee on December 1,2015. I contacted you directly by phone to ensure
your concerns were addressed satisfactorily. You stated you were satisfied with
the resolution, and had attempted to retract your letter with the RevDex.com.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.Sincerely,[redacted] CC: Revdex.com Enclosure