Bealhen Construction, Inc.

We are in receipt of your most recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.We conducted and full and thorough investigation into your concerns which included an audit of the teller's transaction report and found that the teller who assisted you was short in her cash count. Our investigation determined that the cash shortage was associated with your transaction.Although no bank error was made, we have processed a credit of $100 to your account ending in [redacted]

Thank you for taking time out of your busy work day to speak with me about the concerns outlined in your letter to the Revdex.com.As discussed during our call, we have finalized your May 15, 2016 unauthorized debit activity claim on May 17, 2016 with credits totaling $74.39 to your...

checking account ending in [redacted]. A copy of our determination letter is enclosed for your reference.As a reminder, Federal Reserve Regulation E allows ten (10) business days from receipt of the report for a financial institution to investigate and resolve the claim. If at the end of the ten (10) day period we have not resolved the claim, we will provisionally credit your account in the amount of the alleged error (including fees where applicable) while we continue our investigation. If the alleged error involved a new account, we may take up to twenty (20) business days to conduct our investigation and correct any errors. If we determine that the investigation will take us longer to complete, we will provisionally credit the new account within twenty (20) business days. An account is considered new for thirty (30) days after the first deposit is made.Should you require further information or assistance, you are welcome to submit a Customer Feedback

Please see attachment for a copy of our response to Ms. [redacted].Thank you for taking time out of your busy work day to speak with me about the concerns outlined in your letter to the Revdex.com. I apologize that our service did not meet the high standards we strive to achieve when you...

visited our banking center for assistance with closing your daughter's, [redacted] Lehman, account.Although I am unable to comment or provide you with any account records without a lawful order appointing you as Executrix or Personal Representative of [redacted] estate, as a goodwill gesture, we have reversed our debit of $238.45 and enclosed cashier's check [redacted] for that amount.At the conclusion of the call you stated your concerns have been resolved to your satisfaction. Should you require further information or assistance, please do not hesitate to contact me directly at ###-###-####.

Dear Mr....

[redacted]:Upon receipt of your recent letter to the Revdex.com, our representative [redacted]contacted you by phone and was able to satisfactorily resolve your concerns.During the call on January 17th, [redacted] explained the auto payment process for non-sufficient funds (NSF) items in detail. She offered to remove the discretionary overdraft privilege option from the account to avoid the auto payment process moving forward; however, you declined and indicated that you did not expect a non-sufficient funds transaction to occur moving forward.[redacted] provided her direct phone contact information to you should you need assistance in the future. As a good will gesture, [redacted] offered a courtesy fee refund of $34.00 which you accepted.Sincerely,[redacted]Senior Vice PresidentDirector of Customer ExperienceCC: Revdex.com

Complaint: [redacted]
I am rejecting this response because: I feel as a courtesy they should wave it.  it was not properly explained when opening the account. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted] I'm responding to the response I got from the bank. I don't care if they tell me a hundred times; I know I deposited the correct amount. the Revdex.com representative read the letter she said I was going to get my money back. I went to the bank today and they said no. the date is march 8 2017. this is the response I have.Dispute Resolution SpecialistMESSAGE FROM BUSINESS: We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns. I apologize that we did not better communicate the correction that had been made to your account.Our records show on February 22, 2017, you visited our banking center located at [redacted] to complete a cash deposit transaction. Our teller processed the deposit amount for $380.00 as you intended however, your receipt reflects the amount we actually received from you which was $280.00.As stated in the Deposit Agreement provided to you at account opening, "we accept deposits and issue receipts (for all over-the-counter transactions) for these deposits. Such deposits and receipts are subject to subsequent verification and corrections if necessary". During this subsequent verification it was noted the deposit transaction did not balance so it was sent to the appropriate area for research and adjustment.On February 23"i, we completed our research and processed a debit adjustment of $100.00 to your account. A notice informing you of the adjustment was delivered electronically to your Gmail email address on February 241". Another copy of this notice is enclosed for your reference.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.               I never received a notice in my email about the debit adjustment. and another thing I never got to see the camera footage of what happened. and the teller said he saw it. How is that possible when the investigation department is in another city?? I'm not going to be content with any decisions unless I get my money back or I see the camera footage proving me and my witnesses wrong. I wouldn't be going through all this trouble. I know I am right and I just want my money back. and I want justice for all the other people that got their money taken by this bank. and [redacted]  is definitely a people person, when I took the cops with me she hid in the bank and told her assistant to handle the situation so he had to start from scratch and he was a lot more polite than she was.  And another thing I'm on disability and its affecting my health, I suffer from depression this is actually keeping me up at night.... I'm getting stressed out and my anxiety is through the roof. I have suffered two strokes in the past  my understanding is not that great and it takes me a lot of effort just to think and put my thoughts into words. this alone has taken me 3 hours to complete. I hope we can come to a resolution.

It was a pleasure to speak with you by phone about the concerns outlined in your letter to the Revdex.com.As we discussed by phone, we charge an overdraft fee of $34 per item we pay even though you do not have enough money in your account. We will not charge an overdraft fee if the items...

we pay are $1 or less or result in an overdrawn balance of $10 or less. If we pay more than three (3) overdraft items for you in one ( I ) day, we will limit the number of per item Overdraft fees we charge to three (3) per banking day. We will also limit the number of per item Overdraft fees to twelve (12) per month.To reduce the cost of future overdrafts, I encourage you to enroll in our AccountTRANSFER Overdraft Protection Plan. 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. We will make one (1) transfer per day and one (1) AccountTRANSFER Overdraft Protection fee of $10 will be assessed. If the exact amount is not available in the designated "transfer from" account to cover the overdraft plus the transfer fee, then no transfer will take place and our normal $34 per item NSF/OD fee and Negative Balance Fees apply.We then discussed the duplicate payment by Honda for $310.46 which posted to your account on April 28, 2017. As stated during our call, we received your request to dispute the electronic (ACH) debit by Honda on April 29, 2017. Your claim was finalized on May 1, 2017 with credits totaling $412.46 which included the amount of the disputed transaction and associated overdraft fees. A copy of our determination letter is enclosed for your reference.At the conclusion of the call you indicated that your concerns have been addressed satisfactorily. Should you require further information or assistance from us in the future, we invite you to submit a secure message through Internet Banking, participate in Live Chat located on our website; there, you will also find a complete listing of our nineteen (19) branch locations in Arizona. You may also contact me directly at [redacted].

Attached is our response to [redacted] most recent letter to your office.

Please see attachment for a copy of our response to Mr. Maynard.We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.After a review of this matter, we found that the closure of your account ending in -4120 was initiated on...

March 29, 2016. At that time, there were three (3) pre-authorization holds in the amounts of $5.60-"SHELL OIL", $5.46-"SQ *GRAB A BITE" and $19.95- "INO*INTELIUS.COM/SB" which had not yet been submitted by the respective merchants for final payment. This meant that the closure could not be finalized until after these transactions posted to the account.On March 30th, the transactions of $5.60 and $5.46 were each posted for final payment. However, the merchant "INO*INTELIUS.COM/SB" did not submit the $19.95 pre-authorization for final payment. Since the merchant did not collect the final payment within our established three (3) banking day window for pre-authorization holds, the hold expired on April 1st. On that same date, a pre-authorization of $10.77-"FIT CONNECT" was obtained against the account in association with the debit card ending in -[redacted]. We determined that had your debit card been closed on March 29th when the other closing steps were initiated; the pre-authorization of this transaction would not have been approved.To fully resolve this issue, we have enclosed Cashier's Check [redacted] in the amount of $10.77 which represents a reimbursement of funds for the transaction to "FIT CONNECT" which paid from your account on April 2nd. We apologize for any inconvenience you may have experienced in relation to this matter.

Please see attachment for a copy of our response to Ms. [redacted].I am in receipt of your letter to the Revdex.com and apologize that our service did not meet your expectations when you visited our banking center to close your checking account number ending in [redacted].When you established...

Convenience Checking account xxxxx[redacted] on October 3, 2015, you were provided a disclosure packet which included "A Clear and Concise Guide to the Convenience Checking Account" (enclosed) which disclosed your account would be charged a $5.00 monthly maintenance fee unless you enroll the account in E-Statements or "paperless delivery" of account statements.To assist customers who establish a Convenience Checking account but cannot immediately enroll in E-Statements, we automatically waive the monthly maintenance fee during your first monthly statement cycle. We show you were given this courtesy during your October 2015 statement cycle. When the aforementioned criteria were not met, the $5.00 monthly maintenance fee was applicable at the end of each statement cycle on the dates of November 13, 2015 and December 13, 2015.We show your account was assessed a $35.00 negative balance fee on November 18, 2015 when the account remained overdrawn for six (6) consecutive banking days. When no deposits were made to return the account to good standing, the overdrawn balance was charged off on January 12, 2016. I have enclosed copies of your monthly statements from October 3, 2015 to January 12, 2016 for your reference.Although fees were assessed in accordance with the account disclosure, we have credited your account in the amount of $52.37. The account is now closed at a zero balance.

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concerns.While researching your concerns, we found Personal Banker [redacted] assisted you on March 7, 2017 with opening a new account. She discussed with you the terms, conditions, and fee...

schedule governing a Savings account and, after comparing the Savings account with a Power Checking account, you stated that a Power Checking account was better suited to meet your banking needs. Subsequently, [redacted] established a new Power Checking account for you ending in [redacted], provided you with the account disclosures for a Power Checking account, and you agreed to have your pay check from Goodwill direct deposited to your new account to avoid the $12 monthly maintenance fee.On May 15, 2016, you contacted us by phone for an explanation of the overdrawn balance in account ending in [redacted]. Personal Phone Banker Ana outlined your account type and explained that a $12 monthly maintenance fee was assessed to your account on April 18, 2017 resulting in an overdrawn balance of $7.00. As a goodwill gesture, a refund of $12.00 was processed to your account ending in [redacted] on May 16th restoring it to good standing.We shared your letter to the Revdex.com with District Manager [redacted] who called you to discuss your experience at our Chandler banking center. In an effort to resolve this matter amicably, [redacted] provided you with an additional refund of $12.00 representing the monthly maintenance fee you were assessed on May 18th. He then transferred the remaining balance in account ending in [redacted] to account ending in [redacted], and closed account ending in [redacted] at a zero balance. At the conclusion of your call with [redacted], you indicated that your concerns had been addressed satisfactorily.Should you require further information or assistance from us in the future, please do not hesitate to contact [redacted] or me directly. I may be reached at [redacted].

Please see attachment for a copy of our response. Dear Ms. [redacted]:We are in receipt of your correspondence to the Revdex.com (Revdex.com). I am sorry that you did not receive the standard of customer service to which we aspire when you visited our banking center for assistance with your...

account.On July 1, 2015, we received notification of a Revdex.com Consumer Review you submitted on our website. I contacted you directly by phone that same day to address the concerns you outlined in your review. During our conversation, you shared with me your recent experience at our banking center located at [redacted] [redacted], Texas; we discussed the branch hours as published on our website and I told you your concerns would be shared with senior management for appropriate follow-up.During our call, you also informed me you had difficulty obtaining the Fresh Start Loan documents from your local banking center. I contacted our Retail Lending department to have the loan documents forwarded to the designated branch for completion. A review of our records shows you signed the loan documents on July 1, 2015 and the loan proceeds were made available in your checking account that same day.I attempted to reach you by phone on July 8, 2015 to confirm we had addressed all of your concerns. Since I did not reach you, please do not hesitate to call me at my direct dial number provided in my voice mail should you have questions.

Please see attachment for a copy of our response to Ms. [redacted].December 21, 2015[redacted]Re: RevDex.com Case #[redacted] Dear Ms. [redacted]:We are in receipt
of your correspondence to the Revdex.com. It is frustrating when...

an
unexpected fee is 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.Your transaction history for December 7, 2015 reflects that an electronic
debit transaction of $72.12 for [redacted] was presented for payment
against an insufficient balance of $1.05. As a result, it was returned unpaid
and a disclosed per-item NSF fee was assessed. The merchant ([redacted])
presented the transaction of $72.12 for payment a second time on December 11,
2015. On that date, your account balance was overdrawn $32.95. Accordingly, the
transaction was returned a second time marked "insufficient funds"
and a per-item NSF fee was assessed; leaving a balance of -$66.95. Please find
enclosed copies of the NSF notices delivered electronically to your Gmail email
address on file.To avoid unwanted
fees in the future, we suggest you maintain an accurate transaction record of
your account to avoid unwanted fees. 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.You may also wish 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 [redacted]                                ...⇄ [redacted]                       [redacted]
[redacted]                               [redacted]                       [redacted]Sincerely,[redacted] 
[redacted]

We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concern. Our records show you visited our South Post Oak branch on November 27, 2015. On that date, we ordered a new debit card for you ending in 7856 which we show was activated on...

December 14, 201• We sincerely apologize for our oversight in closing your debit card ending in 7816 when you reported that the card was no longer in your possession. The oversight left your card active and an unauthorized debit transaction was pre-authorized from your account on January 10, 2016. You filed an unauthorized debit activity claim on January 13, 2016 the $59.53 transaction to MO City Fitness. In compliance with Federal Reserve Regulation E, we provi ed the account with a provisional credit of $59.53 on January 15, 2016 while we continued our investigation. That credit was made final on January 25, 2016. A copy of the final disposition on y dispute is attached for your reference. 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

Please see attachment for a copy of our response to Ms. [redacted] recent letter to your office.February 26, 2016[redacted]Re: RevDex.com #[redacted] Dear [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 this disclosure 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 will be subject to a
Negative Balance fee on the sixth (6th) banking day your account
remains overdrawn. We will waive the fee if on the sixth (6th) day
your account is overdrawn less than $3.00. Enclosed, please find an additional
copy of these disclosure documents for your review.As you are aware,
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.You may also wish
to enroll in AccountTRANSFER Overdraft Protection. This product 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. Sincerely, [redacted]

Regarding complaint #[redacted] Has been resolved.   Thank you [redacted]

[redacted]
[redacted]
[redacted]Re: RevDex.com #[redacted] Dear 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 this disclosure 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 or return unpaid because you do not
have enough money in your account to cover the item. 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 on the sixth (6th) day your
account is overdrawn less than $3.00.Our records
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 for any transaction type. Your
initials to the right of the enclosed signature card confirm your election of
no overdraft privilege, and serves as your agreement to be assessed a
non-sufficient funds (NSF) fee for each item we return unpaid.Your
transaction history for January 4, 2016 reflects that an electronic debit
transaction of $33.00 to Speedy Cash was presented for payment against an
overdrawn balance of $3.09. As a result, it was returned unpaid and a disclosed
per-item NSF fee was assessed. When no deposits were made to restore your
account to good standing, the negative balance fee was assessed on January 9,
2016.On January 15th, the merchant (Speedy Cash) presented the
transaction of $33.00 for payment a second time against an insufficient account
balance. Accordingly, the transaction was returned a second time marked
"insufficient funds" and a per-item NSF fee was assessed; leaving a
balance of -$33.18. The negative balance fee was assessed on January 20th when the account remained overdrawn for six (6) consecutive banking days.
Please find enclosed copies of the NSF notices delivered electronically to your
Gmail email address on file.As
you are aware, 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.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 Sincerely,[redacted]Vice PresidentCustomer Relations

November 18, 2015To Whom It May Concern:Our response to Ms. [redacted] concerns has been attached.Sincerely,[redacted]Real Time Service CenterFirst Convenience BankNovember 16, 2015[redacted]Re: RevDex.com case #[redacted] Dear Ms. [redacted]:I am in...

receipt
of your recent letter to the Revdex.com. I apologize that our
service did not meet the high standards we strive to achieve when you contacted
us by phone for assistance with fees assessed after two debits from [redacted] were
submitted for payment in error.Upon research of
your concerns, I found a letter of error from [redacted] was received on November
11, 2015. After reconstructing your account activity, I found the PayPal
transactions caused your account to incur $238.00 in fees of which $204.00 had
been refunded on November 13, 2015. I have processed an additional refund of
$34.00 to your account which provides total reimbursement for all fees assessed
as a result of the merchant's error.Thank you for giving us
the opportunity to take corrective action and for continuing your account
relationship with us.Sincerely,[redacted]Real Time Service CenterCC:
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, I informed you that we reviewed the original findings of your unauthorized debit activity case ending in 0116 and reinstated your claim. After a second review of...

your claim we noted that a new debit card order was submitted for you on March 8, 2016; around the same time period you stated that you reported your debit card lost. Additionally, there were no additional one-time every day ATM or point of sale card transaction after the new debit card was ordered. Based on those findings, we reversed our original claim decision and processed a credit of $423.23 to your account ending in [redacted]. A copy of our letter informing you of these results is enclosed.At the conclusion of the call you stated your concerns were resolved to your satisfaction. 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 you may contact me directly at [redacted].

November
18, 2015To
Whom It May Concern:Our
response to [redacted] concerns
has been attached.Sincerely, [redacted] Real Time Service Center First Convenience Bank  November 16, 2015[redacted]
[redacted]Re: RevDex.com case #[redacted] Dear Piet Smit:We are...

in receipt
of your recent letter to the Revdex.com (Revdex.com) and appreciate the
opportunity to respond to your concern.After receiving your
letter to the Revdex.com, we reviewed the wire transfer instruction and found the
transfer was processed in accordance with the deposit instruction. We suggest
you approach the intended beneficiary of the funds for a resolution to this
matter.Sincerely,[redacted]Real
Time Service CenterCC:
Revdex.com