Bealhen Construction, Inc.

Please see attachment for a copy of our response.Re: Revdex.com #[redacted] 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 the Office of the Comptroller of the Currency. We have...

addressed your concerns in our letter dated July 6, 2015 and have enclosed a copy of the response for your reference.

Please see attachment for a copy of our response to Mr. [redacted].December 21, 2015[redacted] [redacted]Re: RevDex.com Case #[redacted] Dear Mr. [redacted]:We are in receipt
of your correspondence to the Revdex.com and appreciate the
opportunity...

to respond to your concerns.Our records show
you filed an ATM dispense claim on November 24, 2015. During our investigation,
we retrieved a copy of the ATM audit and balance sheet to validate your claim
that cash was not received. The ATM audit did not support the claim of a dispense
error and subsequently led to the denial of your claim. A notice of the claim
disposition was mailed to you on December 3, 2015.Upon receipt of
your letter to the Revdex.com, a supervisor conducted a review of
the original findings and reinstated your claim. During her investigation, she
viewed surveillance photos and reviewed the ATM balance sheet from November 23'
to November 29111 and found on November 27th or the date
the ATM was serviced, a cash overage was identified relating to your November
241" withdrawal. Based on this finding, we reversed our
original claim decision and processed a credit of $100.00 to your account
ending in 3668. A copy of our letter informing you of these results is
enclosed.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.[redacted]CC: Revdex.com

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.com.During our call, you provided me with a copy of your Military 1.D. card to qualify you for a Convenience Checking account. I informed you that this Military I.D. card expired June 5,...

2010 but upon receipt of a valid (unexpired) Military I.D. card or Veteran 1.D. card, we will change your account type from a Power Checking account to a Convenience Checking account. You stated this was the only Military I.D. card you had in your possession but would set-up recurring direct deposits to your Power Checking account to avoid the monthly maintenance fee going forward.As a reminder, the requirements to waive the monthly maintenance fee are:· Maintain a balance of $100 or more each day, or· Have a monthly recurring direct deposit of $100 or more reflect on your monthly statement (Internaltransfers from other FNBT/ FCB accounts and Internet Banking transfers do not qualify as direct deposits for waiving the monthly fee), or· Complete at least eight (8) debit card purchases that reflect on your monthly statement. (ATM transactions do not count towards the eight (8) debit card purchases).Following our phone call, I emailed you a copy of the disclosure document titled, "A Clear and Concise Guide to the Power Checking Account" and provided a summary of our conversation. As a goodwill gesture, refunds totaling $58.00 were processed to your account ending in [redacted].At the conclusion of the call you stated you were satisfied with the resolution. Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form, participate

Please see attachment for a copy of our response to Ms. [redacted]'s follow-up letter to your office.We are in receipt of your follow-up letter to the Revdex.com and wish to inform you that our position remains unchanged.Our records document that written disclosures including a Clear and Concise Guide to a Power Checking Account were provided to you when checking account ending in [redacted] was opened. As stated in our previous letter dated April 6, 2016, a second disclosure document about the account requirements was included with your January 2016 account statement to remind you that going forward; one of the qualifiers must be met to waive the monthly maintenance fee. In order for our customers to be truly successful in managing their account and avoiding the disclosed account related fees, we advised you to maintain an accurate transaction record of your account. We offer several free account monitoring tools such as online banking and mobile banking to give you the freedom to monitor your account activity and account balance using a computer or mobile device. With these free services, you may also elect to receive email or text message low balance alerts as an additional method of account monitoring

Please see attachment of our response Dear Ms. [redacted]: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.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. Included in that packet was a document titled "A Clear and Concise Guide to the Power Checking Account" which disclosed your account would be charged a $12.00 monthly maintenance fee unless you:  Maintain a $100 minimum balance, ORReceive a recurring direct deposit of at least $100 during the monthly statement cycle, ORMake at least 8 debit card purchases during the monthly statement cycle  Also included in that packet was a "Banking Services/Fee Schedule" which 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 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 June 13, 2015. You contacted us by phone on June 23, 2015 to understand why your account was assessed the fee. Our representative provided you with information about the account inactivity as disclosed in the Banking Services/Fee Schedule. Subsequently, you visited our banking center located at [redacted], withdrew the remaining funds and requested that we close your account.We wish you much success in your future financial endeavors.

Complaint: [redacted]
I am rejecting this response because:as you are not getting story right, to say I'm disappointed in your business is an understatement. As I stated in beginning I did check mobile everyday because the calls to your 1800 Cust. Serv. Line keep telling me they would repost and fix and first told me it was not found, next day it was told to me it was after 5:00 , next day not a clear picture of deposit. That is why I went everyday and took pictures from Walmart to prove everything your call center keep telling me.  When the girls at H-E-B told me to sign up for mobile banking I told them I did not have a PC and I did not do email, they told me as long as it says excepted and approved it's fine, because I've been with the bank so long , they also told me I could not bring in check because I put on mobile site. Please pull recorded calls and prove this so we can fix this. Also when I could get no where with customer service center, and never once did they tell me about March deposit being reason for decline, pull the recorded calls to prove.....  that's when I went to [redacted], she told me the reason was because the last check deposited was march and was returned. She could find no others and said it would have been fine if I came on and told me  I would have to wait  till a cleared check was through... I said I did have two in April that cleared and she could not find, [redacted] did next day and I brought copies of cleared checks from bank and she said then it should have went through. She sent copies and emails to ref. Mgr. and still would not call me see me or explain why since it had cleared two had,[redacted] was baffled.  Please pull camera and recordings from there when I sat up front several times and girls could not tell me reason , please pull so you'll see your wrong and fix what your bank did to me. Again your 1800 line never told me, correct reason never told me to redeposit but told me they would fix everyday..... that's why I kept checking mobile for them to fix.... as you stated I never used card or checks again on the 2nd or after , [redacted] told me by law you could not charge  so much in fees in one day by law yet a regular pending item that I never saw pend over two days was held to go through later to get more fees! That is very wrong and you can pull that camera recording of her telling me that too!  The emails showing that never till last minute was march check mentioned and lady email that they sent showing it had been over your thirty day rule since a returned check because April I had two clear and go through so should have been no problem. I'm so dissapointed in this kind of service and you get the prof as I have asked and fix this now please! This is silly and unprofessional and unethical .  I want all fees back plus the heb and another check you returned and I had to pay you and them and be embarrassed even though I had room for you guys to cover at that point and had I been given great knollegabke service and not been lied to and talked into mobile banking this never would have happened.  Just as manager [redacted] said in her email. And if your people would have gave me correct info from the first day I called then again it would not happened and had your employees warned me about mobile banking having to be checked asap as I told them I don't do, again it would not have happened, what happened to customers come first. Not here, I'm sadden and sick of this, never been treated so bad before. Now please fix, check all calls check camera footage so we can fix this!
Regards,
[redacted]

We are in receipt of your follow-up correspondence to the Revdex.com.Accompanying our letter dated August 4, 2016 were documents titled DDA Holds/Transactions History which outlines your transaction activity from July 12th to July 18th. When you reviewed these documents you would have noted that no deposits were received for your account on July 18, 2016 when the electronic debit to Elephant Insurance presented to the account for payment. We show your direct deposit from Texas OAG was received and posted on July 19, 2016.Account number ending in [redacted] was established as a Power Checking account. This account product is listed on each monthly statement generated for your account. We have no records of a savings account for you or your daughter.

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]

April 27, 2015 [redacted] [redacted] [redacted]
[redacted] I am in receipt of your letter to the Revdex.com (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 address your concerns. When you established your account with us we provided you with a disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with us. The posting order of items is outlined in the Deposit Agreement and tells you: A. We add deposits and other credits to your Account Balance. B. Then, we subtract from your Account Balance these types of debits in lowest to highest dollar amount: withdrawals made at our teller window, checks you wrote that are cashed at our teller window, automatic transfers you set up to repay your loan, outgoing wire transfers, transfers made with our 24-Hour Personal Account Line, online and mobile banking systems, online and mobile banking bill payments and returned items (deposited or cashed). C. Then, we subtract from your Account Balance in date and time order, these types of debits provided our systems receive and can read date and time information: card transactions and ATM transactions. If our systems do not receive the date and time information, these transactions will be subtracted first in lowest to highest dollar amount. D. Then, we subtract from your Account Balance other types of electronic debits (commonly referred to as ACH debits) and other checks that you wrote. Our systems assign items in this category to two sub­categories, items without a check number (sub-category 1) and items with a check number (sub-category 2). I.              First, we subtract sub-category 1 items in highest to lowest dollar amount. II.  Next, we subtract sub-category 2 items sequentially in check number order. E. Then, we subtract from your Account Balance most fees and service charges in order from lowest to highest dollar amount. As shown by the enclosed document titled DDA Holds/Transaction History, on April 9, 2015 we followed the aforementioned posting order during our nightly transaction processing. 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 an overdraft or 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. We invite you 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, 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.Sincerely,  [redacted]Support Operations  CC: Revdex.com  Enclosure (3)

May 23, 2016 [redacted] Re: Revdex.com #[redacted] Dear Ms. [redacted]: I am in receipt of your letter to the Revdex.com. I show you reported your debit card lost and subsequently filed an unauthorized debit activity claim on...

August 5, 2014 for ten (10) unauthorized debit card transactions totaling $96.88. A claim form was mailed to you at the address on file as of that date. Your failure to sign and return the claim form did not cause your claim to be denied in and of itself. We conducted a full and thorough investigation into your claim of alleged unauthorized debit activity. After our investigation was completed, the claim was denied based on the reasonable belief that the transactions had been conducted by you. We found a valid PIN was entered for each PIN based debit card transaction. The disputed activity was consistent with your account activity and spending history. The activity was not consistent with fraud and there were no additional attempts once the card was closed. Additionally, we attempted to contact the [redacted] on [redacted] and [redacted] where you reported that you were staying at the time your card went missing however, we were unable to locate a [redacted] at that address. After receiving additional information from you, we contacted the [redacted] near [redacted] but the merchant was unable to locate a reservation for you at that location. Based on those findings, the claim was denied and we provided you notice of the denial in our letter dated August 11, 2014 (copy enclosed). Please note your account ending in [redacted] charged-off with an overdrawn balance of $134.35. You may make a deposit to correct the overdraft by visiting any of our branch locations or mail your payment to First Convenience Bank, Attn: Mail Teller, [redacted].Sincerely,[redacted]Vice PresidentCustomer RelationsCC: Revdex.com Enclosure

November
2, 2015To
Whom It May Concern:We are in receipt of your recent letter to the Revdex.com and appreciate the
opportunity to respond to your concerns.
As the administrator of the money order you purchased, Western Union will have information
concerning the reason for the...

return. As there were no details of the money order provided in
your correspondence to the Revdex.com, we are unable to contact Western Union on
your behalf concerning this matter. You may contact Western Union at 1-800-999-9660 with the
valid money order number to obtain more information regarding the returned status and the
actions needed to resolve this or you may contact us at [redacted] to provide this information
along with additional details concerning the money order purchase so that we may further assist
with coordinating a resolution to this issue via Western Union.Sincerely, [redacted] Real Time Service Center First Convenience Bank

Please see attachment for a copy of our response to Ms. [redacted]Re: RevDex.com #[redacted] Dear Ms. [redacted]:We are in receipt
of your follow-up letter to the Revdex.com and wish to inform you
that...

our position remains unchanged.Our records
document that written disclosures to include the Banking Services/Fee Schedule
were provided to you when checking account ending in [redacted] was opened. 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.In order for our customers to be truly successful in managing their
account and avoiding the disclosed account related fees, we advised you to
maintain an accurate transaction record of your account. Never initiate a
transaction in anticipation of a deposit until the funds have been posted to
your account and are reflected in the available balance. 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.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]

Complaint: [redacted]
I am rejecting this response because: Again the security draft...

was taken first and I had enough money in the bank to cover the security draft. Your bank changed the dates to make it look like the car payment was taken first which is total lie. This is not over until I get the $34 back the bank owes me. Changing the dates on auto drafts is a felony on the banks behalf. Changing draft dates so they can charge double overdraft fee is a felony also. This issue will be escalated because apparently the Revdex.com does not care to enforce felonies the bank are trying to lie about which is complete [redacted]. I will escalate this to the banks insurance company and the US government but again this is not over by far. Banks robbing people by changing the drafts dates so they can charge double drafts are going to stop.
Regards,
[redacted]

Re: Revdex.com [redacted] Dear Ms. [redacted] We are in receipt of your letter to the Revdex.com. We appreciate the opportunity to provide you with information as to why your March 24, 2016 electronic funds transfer claim for an alleged unauthorized debit of $154.90 by Bistro MD Moto was denied. We follow Federal Reserve Bank Regulation E guidelines when investigating unauthorized electronic debit activity claims. During our initial phone interview, we asked you if you had conducted business with this merchant in the past. You acknowledged that you had on March 5, 2016 when you placed one order of their product for your sister [redacted]. You also provided us with an email containing the cancellation request to Bistro MD for the week of March 14, 2016 to March 20, 2016. As part of our investigation, we contacted the merchant who confirmed that on March 4, 2016 at 7:23 a.m., you had placed an order through their website for a five day meal plan. The merchant also confirmed that on that same date at approximately 10:10 a.m., you elected not to participate in their meal plan for the weeks of March 14, 2016 to March 20, 2016, March 28, 2016 to April 3, 2016, and April 11, 2016 to April 17, 2016. The merchant states they have not received a cancellation request from you for the week of March 21, 2016 to March 27, 2016 and that payment was the one you were disputing. The merchant also stated they were willing to work with you to resolve any billing errors. Based on our understanding this was a merchant billing dispute and not unauthorized activity, we sent you the enclosed letter dated March 29, 2016. A further search of our records show, a credit of $154.90 from Bistro MD was posted to your account on April 8, 2016. In reference to the disputed $39.95 debit transaction by www.Tekaidcs.com, our records show we provided your account with provisional credits totaling $110.95 on April 6, 2016 while we continued our investigation. This credit includes the amount of the disputed transaction as well as the associated fees. A notice outlining this action is enclosed for your reference. As permitted by Federal Regulation E, we have ninety (90) days to complete our investigation and provide you with a response. Should you have additional questions, you may 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 letter to the Revdex.com and appreciate the opportunity to respond to your concerns.As referenced in your letter, we show you visited our Eubank banking center on May 26, 201 7 and negotiated checks numbered [redacted] and [redacted] both for $300.00 and drawn on the...

Wells Fargo Bank account titled Presbyterian Health Plan Centennial Care.The following day, you visited our Wyoming Blvd banking center located in Wal-Mart and made a cash deposit Of $100 to your account ending in [redacted]. This deposit increased the balance in account -[redacted] to $100.71.Branch Supervisor [redacted] and the teller who assisted you with the $100 cash deposit both reported that after you made the deposit, you then exchanged $300.00 of smaller denomination bills for one-hundred dollar bills. Surveillance footage supports their statements as you are seen exchanging U.S. bills with our teller.After balancing, the teller who assisted you on May 27th was short $100.00 in his cash count. An investigation ensued and it was determined the cash shortage was associated with your cash exchange. To correct this issue, a debit adjustment of $100.00 was processed to your account on May 30, 2017. We sent you a notice of that adjustment (copy enclosed) on May 3 1', 2017.After leaving our Wyoming Blvd banking center on May 27th , we show you completed a point of sale (POS) transaction for $23.98 at Wal-Mart with debit card ending in [redacted]. This debit transaction reduced the balance in account -[redacted] to $76.73. Shortly thereafter, you attempted to complete an $80.00 debit card transaction at the same Wal-Mart location but the transaction was denied for insufficient funds.Based on our findings, we are denying your request for funds.

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.
Also thank you for handling this for me also thanks to bank for closing with zero balance.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because: 1st Convenience Bank has always had my correct mailing address and my correct phone number and correct email address. They state that my account went into "address unknown" status and imply that I changed my address. I receive mail at my current address 6 days a week and have never had a problem with returned mail, until now. 1st Convenience Bank states in the letter to me, "The accountholder's responsibility is to ensure that we have your current mailing address in our records." I have told this bank over and over again that they have my correct address and nothing has changed. They continue in the letter to me to state, "We stored your statements that were generated thereafter in our system until such time as you provide us with your correct address information." I am confused. If I have always maintained my same address and I always get all my other mail there, why is it that 1st Convenience Bank is unable to send me mail? When I asked for proof of the returned mail 1st Convenience Bank was able to send me a letter to my same address that was used to open the account and asked for $30.00 to cover the cost of research. If they indeed did get mail returned to them, why did they not call my working phone number or email me to ask what was wrong? I did not move, I had the same phone number and email address as I did when I opened the account. Nothing with me had changed. This will not be resolved until I receive a cashier's check for $100.00, my account is closed and any and all damage to my credit be repaired.
Regards,
[redacted]

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 address your concerns.When you opened your account on May 28, 2016, we provided you with a disclosure packet covering the terms,...

conditions and fee schedule governing your account. Included in that packet was the document titled, "Banking Services/Fee Schedule" which outlines all account-related fees including the $10.00 incoming wire fee and Negative Balance Fee. Furthermore, the Negative Balance Fee was referenced in additional disclosure documents titled, "Welcome to the Family", "What You Need to Know about Overdrafts and Overdraft Fees" and "A Clear and Concise Guide to the Power Checking Account" as a concerted effort to make the information visible to you.As stated in your call to Customer Support on June 24, 2016, we charge a $34 Negative Balance Fee if your account is overdrawn for six (6) consecutive banking days, even if your account becomes overdrawn due to our fees or service charges. We will waive the fee if on the sixth (6th) day your account is overdrawn $5.00 or less. A courtesy refund of $10.00 was processed to your account on that same day even though fees were assessed in accordance with our account disclosure.We do not show you attempted to access the Internet Banking application since your initial enrollment of May 28, 2016. If you do not remember your username and/or password, please visit our website of www.lstcb.com  and complete our online verification process to reset your password and/or request to have your username sent to you by email. You may also obtain account balance information by calling our 24 Hour Personal Account line or speaking with one of our customer care representatives.

Dear Ms. [redacted]:We are in receipt of your follow-up letter to the Revdex.com and appreciate the opportunity to respond to your concerns.We received your email dated March 30, 2016 which contained confirmation of your March 4th order, and your request to place your meal plan on hold for the week of March 14, 2016 to March 20, 2016; we did not receive documentation to suggest that a cancellation request was submitted for the week of March 21, 2016 to March 27, 2016. As stated in our letter dated April 15, 2016, our investigation determined that this was a merchant billing dispute and not unauthorized activity.Please note, each time 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. 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.On March 16, 2016, we show that Bistro MD sent us a pre-authorization hold request for $154.90. The pre-authorization hold expired on March 19, 2016, and the merchant presented the item for final payment on March 24, 2016. The $39.95 pre-authorization hold from www.Tekaidcs.com was received on March 19, 2016 prior to the closure of debit card -4876 and presented for final payment on March 23, 2016. When a transaction is pre-authorized, we are legally obligated to pay (post) these debits upon presentment. Strictly in recognition of your tenure as a customer, a courtesy credit of $68.00 has been posted to your account. Should you require further information or assistance, you are welcome to submit a Customer Feedback

We are in receipt of your correspondence to the Revdex.com. After listening to the recording of your January 28, 2016 phone call to customer support, I found the unauthorized fees and charges to which you refer in your letter are the overdraft collection attempts we made to satisfy the...

overdrawn balance in account ending in 0098. Please permit me to provide you additional information concerning the actions we took involving your account. In the Deposit Agreement provided you at account opening, we disclosed, "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... 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 satisfy all ofyour debts and liabilities to us, however and whenever incurred or evidenced". Our records show your account ending in 0098 became overdrawn when electronic payments from Active Hours, Inc., Gexa Energy, Advance America, ATT and checks you wrote presented for payment against an insufficient account balance. We returned each item unpaid and assessed the disclosed non-sufficient funds handling fee. On January 17th and 28th, 2016, we exercised our right of set off by transferring funds from your account ending in 3991 to satisfy the debt in account ending in 0098. After we exercised our right of set off, ATT presented a payment of $399.80 on February 4, 2016 against an insufficient account balance. We returned the item unpaid and assessed a NSF fee. We have enclosed a copy of your DDA Holds/Transactions History which outlines all transaction activity for the dates on which the non-sufficient funds (NSF) fee was assessed in the prior forty-five (45) day period. Also enclosed are copies of the NSF notices you received for the fee assessments. In an effort to resolve this matter amicably, we have processed refunds totaling $136.00 to your account ending in 0098. 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.