Bealhen Construction, Inc.

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns. In review of our records, we found the $100.00 deposit referenced in your letter was made on November 24, 2013 at 12:58 p.m. at our Bellfort banking center located in Joe...

V's Smart Shop. At 1:05 p.m. that same date, a Point-of-Sale (POS) transaction for $12.99 was made at this same Joe V's location using your debit card ending in [redacted] and with the correct PIN. This transaction was approved and posted to your account during our nightly transaction processing on the same day. Furthermore, we show you made frequent use of your account from April 7, 2013 to December 11, 2013 by completing debit card transactions which caused your account to become overdrawn when your direct deposits from HEB Grocery Comp. were not sufficient to cover these debit transactions to your account. Because the account remained negative for five (5) consecutive banking days, a $2.49 daily negative balance fee began to assess on the sixth (6th) banking day. On February 5, 2014 after sixty (60) consecutive days with a negative balance, your account was charged off in the amount of $434.85. Your last monthly account statement was mailed to you notifying you of the charged-off balance of your account. Please find enclosed a copy of your December 26, 2013 to February 5, 2014 monthly account statements for your review. If an accountholder wishes to close their account that has an overdrawn balance, it is the accountholder's responsibility to make a deposit sufficient to resolve the overdraft and bring the account to a zero balance or the accountholder may choose to accelerate the charge-off process. Additionally, if the accountholder identifies transactions made without their consent, the accountholder must notify us at once so that a claim may be opened, investigated, and a final disposition to include fee refunds can be made. After a diligent search of our records, we do not show that a claim of unauthorized debit activity has been filed. As of today's date, your account ending in 0008 has a charged-off balance of -$365.16. 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].

Attached is a copy of our response 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 opened your account on September 23, 2015,...

you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your account. Included in that packet were documents titled Welcome to the Family and Banking Services-Fee Schedule both of which disclosed your account would be charged $34.00 for each item we return unpaid because you do not have enough money in your account.Each time a debit is declined for payment a NSF notice is emailed to you outlining the date of the payment, transaction type, and the payment amount. You may also obtain more detail on these transactions by visiting your local banking center or calling our 24 Hour Personal Account line and speaking to one of our customer care representatives.When listening to calls you made to Customer Support on April 6, 2016, we found Personal Phone Banker [redacted] reviewed with you your account history, explained that merchant holds reduce the amount available to pay checks and other debits that are presented to the bank for payment, and informed you that if you did not restore your account to good standing on that same date, your account would be charged another overdraft fee when the POS debit of $9.87 by Raising Cane's presents for final payment. You agreed to make a deposit on that day however; we do not show a deposit was made to avoid the disclosed per-item overdraft fee. A $34.00 Negative Balance fee was assessed on April 10, 2016 when the account remained overdrawn for six (6) consecutive banking days.Please find enclosed copies of the NSF/OD notices delivered electronically to your Gmail email address on file along with documents titled DDA Holds/Transaction History which provides a detail transaction activity for the days of April 4th to April 10th. Take a moment to read the informational sheet which is also enclosed.In an effort to provide an amicable resolution, I have processed refunds totaling $102.00 to your account. Please take this opportunity to make a deposit to cover the remaining negative balance in your account.Internet Banking is a convenient tool to monitor your Account as it provides you with both the current and available balance as well any pending transactions on the current calendar day you are viewing but the best way to avoid overdraft fees is to maintain an accurate transaction register.You may also wish to enroll in our 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 visit your local branch to establish a "transfer from" account.

It was a pleasure to speak with you about your letter to the Revdex.com.As discussed during our call, we contacted Grants State Bank on February 131" to verify payment of the check. Grant State Bank provided confirmation that check number [redacted] had cleared the account of their account...

holder and was considered 'final paid' under banking guidelines. Subsequently, we released the delayed availability hold and funds from the check were available in the account that same day.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].Should you have additional questions or concerns, please do not hesitate to contact me directly at [redacted] Monday — Friday from 8:00 a.m. to 5:00 p.m. CT.

We are in receipt of your follow-up letter to the Revdex.com. The delayed availability hold placed on the $1,020.42 New Mexico Brain Institute, Inc. check was administered in strict compliance with Regulation CC which governs the availability of funds and collection of checks.As stated in our previous letter of December 27, 2016, Regulation CC allows financial institutions to delay funds from a check for a longer period as a means of reducing risk based on a reasonable belief that the deposit may not be collectible.

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.com.During our call, we discussed the Bank's right of set off and I informed you that the Bank is authorized to charge any matured debt or liability against the account and all...

affiliated accounts, without notice to you. In an effort to assist you, I offered to change your ownership on the account from a joint account holder to an authorized agent to which you declined. You then shared that you had discussed the matter with your husband, [redacted], and he agreed to pay off his debts with the Bank to avoid this from occurring in the future. You also stated that you attempted to retract your letter with the Revdex.com after resolving the matter with your husband.Should you have additional questions or concerns, please do not hesitate to contact me directly at [redacted] Monday — Friday from 8:00 a.m. to 5:00 p.m. CT.

We are in receipt of your letter to the Revdex.com. We feel your financial needs will be better suited by another financial institution.On July 28, 2016, we provided you written notice (copies enclosed) that we were closing your accounts ending in [redacted] and [redacted] on August 8, 2016. As...

outlined in the letters and in the Deposit Agreement provided you at time of account opening, "we reserve the right to close your account at any time for any reason."A review of our records shows, you closed your accounts ending in -[redacted] and -[redacted] on July 26th and July 29th, respectively. In an effort to resolve this matter amicably, we have enclosed copies of your monthly account statements from January 2016 to July 2016 for each of these accounts for your review.We thank you for your past patronage and wish you success in your future financial endeavors.

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.Our records show you contacted us by phone on January 21, 2015 and spoke with personal phone banker [redacted]. The call recording documents your verbal request to change your overdraft privilege election from no overdraft privilege to our Full Overdraft Privilege plan. This change was effective as of January 24, 2015. A copy of the notice confirming the change is enclosed for your reference.After a thorough search of our records, we show no report of an overdraft privilege election change request from you after January 21, 2015. The continued use of your account, including the repeated use of discretionary overdraft, indicates your willingness for full overdraft privilege service.Based on your letter to the Revdex.com, I have changed your election to no overdraft privilege. Please allow up to three business days for this change to take effect. Details' regarding your overdraft privilege election is enclosed with this correspondence for your reference.

Please see attachment for a copy of our response to Mr. [redacted].Dear Mr. [redacted]:We are in receipt of letter to the Revdex.com and appreciate the opportunity to respond to your concerns.A search of our records show on December 31, 2015, merchant "SAMSCLUB-WALMART/GE CARD" presented...

anelectronic (ACH) debit transaction in the amount of $733.00 (in lieu of check number [redacted] written on December 29th) for payment against your account ending in -[redacted]. This merchant also presented the original check [redacted] for payment on January 4, 2016. You notified us of this activity on February 22, 2016 and an investigation pursued. On that same date, we reversed the electronic debit of $733.00, and credited your account ending in [redacted] for that amount.We also show on March 30, 2016, you filed a second claim of unauthorized debit activity in relation to check number [redacted]. Subsequently, your account ending in [redacted] was closed to avoid exposure to any further unauthorized activity. The claim was denied because the item was reported to the bank more than sixty calendar days after your January 2016 account statement was mailed to you. Although we denied your claim, our investigators continued to work in a conciliatory capacity with you and Wal-Mart to seek a resolution to this issue by providing documentation that our records reflected the double payment of the transaction from the account to SAMSCLUB-WALMART/GE CARD.On April 25, 2016, you visited our Gray Street branch for a resolution to your concerns, and met with [redacted] During your visit, you informed [redacted] that you had filed a dispute with Wal-Mart on April 22, 2016, case number [redacted] in an effort to locate your missing SAMSCLUB-WALMART/GE credit card payment which cleared account ending in [redacted] on January 4, 2016. To date, Wal-Mart has not provided you with a status update of your dispute.In an effort to assist you with resolving your disagreement with the merchant, [redacted] issued a provisional credit of $733.00 to your account ending in [redacted] while we completed a "source receipt" review for this payment with the receiving bank. As of today's date, we are still pending this information from JP Morgan Chase. At the conclusion of your discussion with [redacted], you confirmed your understanding that we would reverse our provisional credit of $733.00 from your account once we received confirmation from JP Morgan Chase that they received your payment. You informed [redacted] that she had sufficiently addressed your concerns.

Please see attachment for a copy of our response.

We are in receipt of your 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 opened your account on April 14, 2017, we provided you 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 "Clear and Concise Guide to the Power Checking Account" 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 our account to a positive balance then your account will be subject to a Negative Balance Fee on the sixth (6t ) 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 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 account.A review of your transaction history shows on June 16, 2017 you had a beginning balance of $17.70. At approximately 9:25 a.m. that same day, you completed an ATM withdraw of $300.00 which when posted, overdrew your account and resulted in an overdraft fee. When no deposits were made to return the account to good standing, the negative balance fee was assessed on June 21, 2017. The enclosed document titled DDA Holds/Transactions History shows your account activity on June 1 6th and June 21 st. Please take a moment to read the information page which accompanies the transaction detail.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 We are in receipt of your 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 opened your account on April 14, 2017, we provided you 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 "Clear and Concise Guide to the Power Checking Account" 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 our account to a positive balance then your account will be subject to a Negative Balance Fee on the sixth (6t ) 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 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 account.A review of your transaction history shows on June 16, 2017 you had a beginning balance of $17.70. At approximately 9:25 a.m. that same day, you completed an ATM withdraw of $300.00 which when posted, overdrew your account and resulted in an overdraft fee. When no deposits were made to return the account to good standing, the negative balance fee was assessed on June 21, 2017. The enclosed document titled DDA Holds/Transactions History shows your account activity on June 1 6th and June 21 st. Please take a moment to read the information page which accompanies the transaction detail.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.

We are in receipt of your correspondence to the Revdex.com. We sincerely apologize that a collection fee was inadvertently assessed to your account on June 20, 2016. I was happy to find that the fee was reversed that same day with a credit of $35.00 to your account.In response to your...

concerns regarding the non-sufficient funds fee, we show you opened two checking accounts ending in [redacted] and [redacted] on July 17, 2015. At that time, we provided you with a disclosure packet which covered the terms, conditions and fee schedule governing your account relationship with us. Included in that packet were documents titled, "Welcome to the Family" and "Banking Services/Fee Schedule" both of which disclosed your account would be charged $34.00 for each non-sufficient item.Our records also show that when we discussed with you the disclosure titled, "What You Need to Know about Overdrafts and Overdraft Fees", you indicated that you did not want us to authorize and pay overdrafts on any transaction type. This means when an item is presented to us for payment and you do not have enough available funds in your account to pay it, the item will be returned as non-sufficient funds (NSF) and the NSF per item fee assessed.After a review of our records, we found you completed a transfer of $60.00 through Internet Banking on July 12, 2016 from your Representative Payee account ending in [redacted] to your sole owner checking account ending in [redacted]. This transfer increased the balance in account -[redacted] to $62.82. Two debit card transactions of $1.62 and $5.57 from RedBox and Shell Service Station presented to account -[redacted] for payment on July 14, 2016 and July 16, 2016 respectively which reduced your available balance to $55.63. On July 18, 2016, we received four preauthorized debits to account -[redacted] which reduced your available balance to $23.20. This balance was not sufficient to cover the $55.95 electronic debit by Elephant Insurance which presented for payment that same day during our nightly transaction processing. We returned the item as NSF and assessed the disclosed $34.00 fee. The enclosed document titled DDA Holds/Transactions History shows your account activity on July 12 to July 18th. Please take a moment to read the information page which accompanies the transaction detail.To avoid unwanted fees in the future, we suggest you maintain an accurate transaction record of your account. The account will not be assessed a non-sufficient funds fee if at the time you write a check or otherwise authorize a payment from your account, there are sufficient available funds on deposit to cover all previously authorized outstanding debits as well as the new transactions being initiated. Should you have additional questions, you 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.

Dear Ms. [redacted]:We are in receipt of your letter to the Revdex.com and found the concerns you expressed are similar to those in your letter to us dated August 13, 2017. We have addressed your concerns in our letter dated August 23, 2017 and have enclosed a copy of the response for your...

reference.Please be advised, your Fresh Start loan ending in [redacted] may continue to be reported on your credit report for up to seven years from the date of last activity.Dear Ms. [redacted]:We are in receipt of your letter dated August 13, 2017. While researching your concerns, I found your account became overdrawn when you initiated transactions in excess of your account balance. After a thorough search of our records, we found no report of an unauthorized debit activity claim from you.As you are aware. each party has a responsibility in a banking relationship. The responsibilities of a financial institution include check clearing and providing a monthly account statement. An accountholder has the responsibility of maintaining a transaction activity record of all initiated payments and related bank fees. reviewing his or her monthly account statements, and reporting any discrepancy found.As of today's date. your checking account ending in [redacted] has a charged off balance of $1,173.79. Copies of the last three monthly account statements are enclosed outlining the activity which resulted in overdrafts.Your Fresh Start loan ending in [redacted] charged off on March 15, 2013 with an outstanding balance of $655.50. I have enclosed a copy of the note, disclosure. and security agreement you signed on December 13. 2012 along with the loan payoff screen which reflects the breakdown of the principal amount. and late charges and fees.Please take this opportunity to make a deposit to your charged-off accounts by visiting any of our branch locations or mailing a check or money order to:First National Bank TexasAttn: [redacted] Vice PresidentCustomer Relations

Complaint: [redacted]
I am rejecting this response because: Their is answer is full of lies. My father and I went into the bank with our power of attorney documentation on the same day we opened the account. In the answer provided by someone we have...

NEVER met who has NO first hand knowledge of the ACTUAL events [redacted]. She has lied several times about what actually occurred. We provided the power of attorney documentation on the very first day and several times after that., [redacted] contacted me and siad he was the Senior vice president of the bank and H wanted a copy of the power of attorney because he had to send the document to the legal department of the bank to make sure it was valid before they could help us, I again provided the document to the bank to email to [redacted]. I reached out to customer service at least 25 times before finally reaching [redacted] explaining our plight. [redacted] DID NOT attempt to reach us several times that is also a blatant lie. In the duration of all of this my Father suffered a very bad fall and was hospitalized and transferred to a nursing home. I was unable to access the account and my father was charged several overdraft fees.The banks response makes no sense WHY would we lie about the POA ? when clearly we have the document WHY ? would we not provide it if asked ? their lies make NO sense ! Why am I still not on the account as an authorized signer !!!!!  Why did they return a payment to a credit card company when over draft was available WITHOUT authorization !!!!!!! again putting my 70 year 100 disabled father who has a traumatic brain injury further into debt.The bank clearly discriminated against my father and did not comply with the law and they are profiting from it. I will NOT rest until my father is made whole,
Regards,
[redacted]

October 15, 2015 To Whom It May Concern: Our rebuttal response to Mr. [redacted] rejection along with pertinent
supporting documents has been attached. Sincerely, [redacted] Real Time Service Center First Convenience Bank

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:The Convenient Bank is playing Games with me.They JUST NEED TO SEND MY MONEY BACK; end of story.Why do they hold on to Money that does NOT belong to them; the should send it back to Bank [redacted] in [redacted] where it was wired from.
Regards,
[redacted]

Dear Mr. [redacted]:We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concern.So that we may properly investigate your statement concerning accounts which may have been fraudulently established in your name, we request that you please...

provide a copy of the referenced FTC Identity Theft Report. We have also included a required Identity Theft Claim packet for your use. Please complete each of the enclosed documents entirely, provide a copy of your current driver's license or government issued photo ID, and return the documents to us at:First Convenience BankAttn: Deposit Risk & Check Claims[redacted]
[redacted]Upon receipt of this requested information, an investigation will be conducted and you will be notified in writing of the outcome.

Our position on the matter remains unchanged.  Further, we are providing a copy of the returned mail item for the customer's account received from the United States Postal Service which led to the account status of "AUK" or "address unknown"; and, subsequently, the monthly returned mail fee assessment as outlined in the important disclosure documents provided when the account was opened.  To reach an amicable resolution, we have previously provided a courtesy refund of bank service fees totaling $76.00 to resolve the charged-off status and closed the account with a zero balance.

February 26, 2016[redacted]
[redacted]
[redacted]Re: RevDex.com #[redacted] Dear Mr. [redacted]:It was a pleasure
to speak with you by phone about the concerns you outlined in your letter to
the Revdex.com.We shared your
letter with District Manager...

[redacted] who reviewed the surveillance
footage of your visit to our branch at 6650 N. Beach Street in Fort Worth on
January 22nd and conducted an audit of the teller's transaction
activity; [redacted] found that the teller's cash count had balanced at the end of
the banking day.In an effort to
resolve this matter amicably, we have arranged for you to meet with District
Manager [redacted] at our [redacted] to discuss your
experience at our banking center and receive a credit of $40.00.If you should
require further information or assistance, you may contact me directly at [redacted]  Sincerely,[redacted]

Our response was submitted to your office on October 5, 2017.  Please see attached another copy of our response to Ms. [redacted].