[redacted] Dear Ms [redacted] :We are in receipt of your follletter to the Revdex.comOn January 23, 2016, you initiated a Live Chat request through our website concerning your overdraft privilege selectionBank officer [redacted] contacted you directly by phone to address your concerns.During the conversation, you expressed your frustration about the occurrence of overdraft in your account and stated that you have been in contact with Branch Manager [redacted] concerning the assessment of non-sufficient funds and negative balance fees to your accountYou mentioned that [redacted] had offered to escalate your refund request with no guarantee of the outcomeIn an effort to resolve your concerns, [redacted] processed a courtesy refund of $to your account ending in ***.After careful consideration, we are denying your request for additional refunds Sincerely, [redacted] ***Vice President Customer Relations
Complaint: [redacted] I am rejecting this response because: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] ***
Please see attachment of our responseRe: Revdex.com Case # [redacted] Dear Ms***:It was my pleasure to speak with you by phone today regarding your letter to the Bettter Business Bureau.As discussed, when you opened your account, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement states, in part; "If you attempt to close your Account or we close your Account, but a debit or credit on your Account is subsequently processed by our automated systems, then we reserve the right at our sole discretion not to close your Account or to reopen your Account".Our records show on May 4, 2015, a Point-of-Sale (POS) Return Credit of $credited your account ending in ***This credit reopened your account, and your account became subject to the terms, conditions, and fee schedule as disclosed at time of account openingIn an effort to resolve this matter amicably, we have processed refunds totaling $to restore your account balance to $Please find enclosed cashier's check number [redacted] for that amountThe account is now closed
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, and negotiated checks numbered [redacted] and [redacted] both for $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 $to your account ending in ***This deposit increased the balance in account - [redacted] to $100.71.Branch Supervisor [redacted] and the teller who assisted you with the $cash deposit both reported that after you made the deposit, you then exchanged $of smaller denomination bills for one-hundred dollar billsSurveillance footage supports their statements as you are seen exchanging U.Sbills with our teller.After balancing, the teller who assisted you on May 27th was short $in his cash countAn investigation ensued and it was determined the cash shortage was associated with your cash exchangeTo correct this issue, a debit adjustment of $was processed to your account on May 30, We sent you a notice of that adjustment (copy enclosed) on May 1', 2017.After leaving our Wyoming Blvd banking center on May 27th , we show you completed a point of sale (POS) transaction for $at Wal-Mart with debit card ending in ***This debit transaction reduced the balance in account - [redacted] to $Shortly thereafter, you attempted to complete an $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
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsIn review of our records, we found the $deposit referenced in your letter was made on November 24, at 12:p.mat our Bellfort banking center located in Joe V's Smart ShopAt 1:p.mthat same date, a Point-of-Sale (POS) transaction for $was made at this same Joe V's location using your debit card ending in [redacted] and with the correct PINThis transaction was approved and posted to your account during our nightly transaction processing on the same dayFurthermore, we show you made frequent use of your account from April 7, to December 11, by completing debit card transactions which caused your account to become overdrawn when your direct deposits from HEB Grocery Compwere not sufficient to cover these debit transactions to your accountBecause the account remained negative for five (5) consecutive banking days, a $daily negative balance fee began to assess on the sixth (6th) banking dayOn February 5, after sixty (60) consecutive days with a negative balance, your account was charged off in the amount of $Your last monthly account statement was mailed to you notifying you of the charged-off balance of your accountPlease find enclosed a copy of your December 26, to February 5, monthly account statements for your reviewIf an accountholder wishes to close their account that has an overdrawn balance, it is the accountholder's responsibility to make a deposit sufficient to resolve the overdraft and bring the account to a zero balance or the accountholder may choose to accelerate the charge-off processAdditionally, if the accountholder identifies transactions made without their consent, the accountholder must notify us at once so that a claim may be opened, investigated, and a final disposition to include fee refunds can be madeAfter a diligent search of our records, we do not show that a claim of unauthorized debit activity has been filedAs of today's date, your account ending in has a charged-off balance of -$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] ***
Please see attachment of our response Dear Ms [redacted] :We are in receipt of your recent letter to the Revdex.comWe 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 usIncluded 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 $monthly maintenance fee unless you: Maintain a $minimum balance, ORReceive a recurring direct deposit of at least $during the monthly statement cycle, ORMake at least debit card purchases during the monthly statement cycle Also included in that packet was a "Banking Services/Fee Schedule" which provides information on inactive accountsInactive account are those accounts with no owner initiated debits or credits for eleven (11) consecutive monthsThese accounts are subject to an account inactivity fee of $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 $was assessed to your account on June 13, You contacted us by phone on June 23, to understand why your account was assessed the feeOur representative provided you with information about the account inactivity as disclosed in the Banking Services/Fee ScheduleSubsequently, 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
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, We have addressed your concerns in our letter dated August 23, 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, While researching your concerns, I found your account became overdrawn when you initiated transactions in excess of your account balanceAfter a thorough search of our records, we found no report of an unauthorized debit activity claim from you.As you are awareeach party has a responsibility in a banking relationshipThe responsibilities of a financial institution include check clearing and providing a monthly account statementAn accountholder has the responsibility of maintaining a transaction activity record of all initiated payments and related bank feesreviewing his or her monthly account statements, and reporting any discrepancy found.As of today's dateyour checking account ending in [redacted] has a charged off balance of $1,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, with an outstanding balance of $I have enclosed a copy of the note, disclosureand security agreement you signed on December along with the loan payoff screen which reflects the breakdown of the principal amountand 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
December 29, [redacted] ***Re: Better Business Bureau Case # [redacted] Dear Ms***:We are in receipt of your follletter to the Revdex.comPlease find enclosed documents titled, "Welcome to the Family" and the "Banking Services/Fee Schedule" both of which discloses the terms and conditions under which the non-sufficient funds and negative balance fees are assessed.As outlined in these disclosures, a negative balance fee will be assessed on the sixth (6th) banking day your account remains overdrawnWe will waive this fee if on the sixth (6th) day your account is overdrawn less than $Our records show your account became overdrawn on December 7, When no deposits were made to return the account to good standing, the negative balance fee was assessed on December 12, 2015.I have highlighted the area that discloses the Negative Balance Fee for your referenceShould 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.Sincerely, [redacted]
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernOur records show you visited our South Post Oak branch on November 27, On that date, we ordered a new debit card for you ending in which we show was activated on December 14, 201• We sincerely apologize for our oversight in closing your debit card ending in when you reported that the card was no longer in your possessionThe oversight left your card active and an unauthorized debit transaction was pre-authorized from your account on January 10, You filed an unauthorized debit activity claim on January 13, the $transaction to MO City FitnessIn compliance with Federal Reserve Regulation E, we provi ed the account with a provisional credit of $on January 15, while we continued our investigationThat credit was made final on January 25, A copy of the final disposition on y dispute is attached for your referenceShould 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
Complaint: [redacted] I am rejecting this response because:Still does not explain why no notices were sent in regards to the account being over drawn If we had been notified we would have been able to avoid the fee So am I to conclude that the bank dies not notify it's customers when their account is overdrawn to guarantee that the fee will be charged If that's the case that's bad business I still contend that even I'd we were aware of the fees that we should have been notified of the overdraft in written form of some sort Seems that the bank is only after fees and it's customers are not important in any way I'm thinking that as soon as we can, my husband and I will be changing to a bank that does care about its customers and will be sure to tell everyone we know to not do business with a shady bank who is only concerned with charging it's customers fees without giving the the chance to rectify a problem by notifying them The only reason we kept our accounts open at this point was waiting on this resolution But case in point...shady bank that likes to charge without notifying of overdrafts Regards, [redacted] ***
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 accountI 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 themI also find it funny that they only tried to contact me after I made the complaint and again sent me letterI'm done with them and had actually go there to recieve my money from a deposit made by my employer by mistake Regards, [redacted]
We are in receipt of your letter to the Revdex.comWe 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, 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, respectivelyIn an effort to resolve this matter amicably, we have enclosed copies of your monthly account statements from January to July for each of these accounts for your review.We thank you for your past patronage and wish you success in your future financial endeavors
Thank you for taking my phone calls on February 7th and February 9th to discuss the concerns outlined in your letter to the Revdex.com.Please find enclosed a copy of our final determination letter for your identity theft claimIn support of our decision, we have enclosed a copy of the signature card for checking account ending in [redacted] which you established with us on March 24, The loan proceeds were deposited into this checking account on September 17, 2014, and you established a monthly automatic transfer from this checking account to repay the loanAlso enclosed are the loan closing documents for Fresh Start Loan ending in [redacted] for your records.As of today's date, the charged-off balance of your Fresh Start Loan is $You may remit payment of the charged off balance by visiting any of our branches or mailing a check or money order to: [redacted] ***
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.Dcard to qualify you for a Convenience Checking accountI informed you that this Military I.Dcard expired June 5, but upon receipt of a valid (unexpired) Military I.Dcard or Veteran 1.Dcard, we will change your account type from a Power Checking account to a Convenience Checking accountYou stated this was the only Military I.Dcard you had in your possession but would srecurring 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 $or more each day, or· Have a monthly recurring direct deposit of $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 conversationAs a goodwill gesture, refunds totaling $were processed to your account ending in ***.At the conclusion of the call you stated you were satisfied with the resolutionShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form, participate
Complaint: [redacted] I am rejecting this response because: Their is answer is full of liesMy father and I went into the bank with our power of attorney documentation on the same day we opened the accountIn 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 occurredWe 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 times before finally reaching [redacted] explaining our plight [redacted] DID NOT attempt to reach us several times that is also a blatant lieIn the duration of all of this my Father suffered a very bad fall and was hospitalized and transferred to a nursing homeI 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 year 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 itI will NOT rest until my father is made whole, Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response once again because: My position remains unchangedIn addition, my address remains unchangedDespite what First Convenience Bank states, our address did not changeThey had our correct addressThey only sent us one piece of mailThey never tried to contact me by phone, email or otherwise, even though they had all of my correct informationI thought the account was paperless, so I did not expect mail from themWhen I did not receive mail from them, I was not alarmedWhen they finally contacted me months after they received the return mail, they refused to give me a copy of the return mail label so that I could investigate this from my end with the United States Post OfficeWhen I contacted the Revdex.com, 1st Convenience Bank did send a photo copy of this returned mailHowever, when we took this to our local post office they stated that nothing could be done on their end because it occurred so long agoI still contend that the bank needs to send me a cashier's check in the full amount of my original balance from my accountThe reviews I have read online about this bank are consistent with my experienceOne reviewer stated "If you do not spend your money, this bank will spend it for you." I believe that is what is going on hereI had money that I was saving in my account, not withdrawing anything, and they began to find ways to get my moneyThen to have the audacity to threaten a 3rd party collection agencyThese practices are dishonest and should be illegalI feel that they have stolen money from me and there is nothing I can do about itI am not happy about their response and I have rejected it because they currently have and have always had my correct addressPlease mail my funds to me, close my account and restore any damage done to my credit Regards, [redacted]
It was a pleasure to speak with you on August 18th and August 19th about the concerns outlined in your letter to the [redacted] During our August 18th phone call, I processed another debit card order and expedited the shipping at no cost to you to your address of [redacted] *** [redacted] ***We show the new debit card ending in [redacted] was delivered to that address on August 22" at 8:a.mI attempted to contact you on that same date to confirm you received the new debit card but was unsuccessful in reaching you by phoneOur records show you activated the new debit card and began using it on August 23, Should you require further information or assistance, please do not hesitate to contact me directly at [redacted] I stand ready to provide you help
[redacted] Dear Ms [redacted] :We are in receipt of your follletter to the Revdex.comOn January 23, 2016, you initiated a Live Chat request through our website concerning your overdraft privilege selectionBank officer [redacted] contacted you directly by phone to address your concerns.During the conversation, you expressed your frustration about the occurrence of overdraft in your account and stated that you have been in contact with Branch Manager [redacted] concerning the assessment of non-sufficient funds and negative balance fees to your accountYou mentioned that [redacted] had offered to escalate your refund request with no guarantee of the outcomeIn an effort to resolve your concerns, [redacted] processed a courtesy refund of $to your account ending in ***.After careful consideration, we are denying your request for additional refunds Sincerely, [redacted] ***Vice President Customer Relations
Complaint: [redacted] I am rejecting this response because: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] ***
Please see attachment of our responseRe: Revdex.com Case # [redacted] Dear Ms***:It was my pleasure to speak with you by phone today regarding your letter to the Bettter Business Bureau.As discussed, when you opened your account, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement states, in part; "If you attempt to close your Account or we close your Account, but a debit or credit on your Account is subsequently processed by our automated systems, then we reserve the right at our sole discretion not to close your Account or to reopen your Account".Our records show on May 4, 2015, a Point-of-Sale (POS) Return Credit of $credited your account ending in ***This credit reopened your account, and your account became subject to the terms, conditions, and fee schedule as disclosed at time of account openingIn an effort to resolve this matter amicably, we have processed refunds totaling $to restore your account balance to $Please find enclosed cashier's check number [redacted] for that amountThe account is now closed
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, and negotiated checks numbered [redacted] and [redacted] both for $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 $to your account ending in ***This deposit increased the balance in account - [redacted] to $100.71.Branch Supervisor [redacted] and the teller who assisted you with the $cash deposit both reported that after you made the deposit, you then exchanged $of smaller denomination bills for one-hundred dollar billsSurveillance footage supports their statements as you are seen exchanging U.Sbills with our teller.After balancing, the teller who assisted you on May 27th was short $in his cash countAn investigation ensued and it was determined the cash shortage was associated with your cash exchangeTo correct this issue, a debit adjustment of $was processed to your account on May 30, We sent you a notice of that adjustment (copy enclosed) on May 1', 2017.After leaving our Wyoming Blvd banking center on May 27th , we show you completed a point of sale (POS) transaction for $at Wal-Mart with debit card ending in ***This debit transaction reduced the balance in account - [redacted] to $Shortly thereafter, you attempted to complete an $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
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsIn review of our records, we found the $deposit referenced in your letter was made on November 24, at 12:p.mat our Bellfort banking center located in Joe V's Smart ShopAt 1:p.mthat same date, a Point-of-Sale (POS) transaction for $was made at this same Joe V's location using your debit card ending in [redacted] and with the correct PINThis transaction was approved and posted to your account during our nightly transaction processing on the same dayFurthermore, we show you made frequent use of your account from April 7, to December 11, by completing debit card transactions which caused your account to become overdrawn when your direct deposits from HEB Grocery Compwere not sufficient to cover these debit transactions to your accountBecause the account remained negative for five (5) consecutive banking days, a $daily negative balance fee began to assess on the sixth (6th) banking dayOn February 5, after sixty (60) consecutive days with a negative balance, your account was charged off in the amount of $Your last monthly account statement was mailed to you notifying you of the charged-off balance of your accountPlease find enclosed a copy of your December 26, to February 5, monthly account statements for your reviewIf an accountholder wishes to close their account that has an overdrawn balance, it is the accountholder's responsibility to make a deposit sufficient to resolve the overdraft and bring the account to a zero balance or the accountholder may choose to accelerate the charge-off processAdditionally, if the accountholder identifies transactions made without their consent, the accountholder must notify us at once so that a claim may be opened, investigated, and a final disposition to include fee refunds can be madeAfter a diligent search of our records, we do not show that a claim of unauthorized debit activity has been filedAs of today's date, your account ending in has a charged-off balance of -$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] ***
Please see attachment of our response Dear Ms [redacted] :We are in receipt of your recent letter to the Revdex.comWe 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 usIncluded 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 $monthly maintenance fee unless you: Maintain a $minimum balance, ORReceive a recurring direct deposit of at least $during the monthly statement cycle, ORMake at least debit card purchases during the monthly statement cycle Also included in that packet was a "Banking Services/Fee Schedule" which provides information on inactive accountsInactive account are those accounts with no owner initiated debits or credits for eleven (11) consecutive monthsThese accounts are subject to an account inactivity fee of $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 $was assessed to your account on June 13, You contacted us by phone on June 23, to understand why your account was assessed the feeOur representative provided you with information about the account inactivity as disclosed in the Banking Services/Fee ScheduleSubsequently, 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
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, We have addressed your concerns in our letter dated August 23, 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, While researching your concerns, I found your account became overdrawn when you initiated transactions in excess of your account balanceAfter a thorough search of our records, we found no report of an unauthorized debit activity claim from you.As you are awareeach party has a responsibility in a banking relationshipThe responsibilities of a financial institution include check clearing and providing a monthly account statementAn accountholder has the responsibility of maintaining a transaction activity record of all initiated payments and related bank feesreviewing his or her monthly account statements, and reporting any discrepancy found.As of today's dateyour checking account ending in [redacted] has a charged off balance of $1,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, with an outstanding balance of $I have enclosed a copy of the note, disclosureand security agreement you signed on December along with the loan payoff screen which reflects the breakdown of the principal amountand 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
Attached is our response to [redacted] most recent letter to your office
December 29, [redacted] ***Re: Better Business Bureau Case # [redacted] Dear Ms***:We are in receipt of your follletter to the Revdex.comPlease find enclosed documents titled, "Welcome to the Family" and the "Banking Services/Fee Schedule" both of which discloses the terms and conditions under which the non-sufficient funds and negative balance fees are assessed.As outlined in these disclosures, a negative balance fee will be assessed on the sixth (6th) banking day your account remains overdrawnWe will waive this fee if on the sixth (6th) day your account is overdrawn less than $Our records show your account became overdrawn on December 7, When no deposits were made to return the account to good standing, the negative balance fee was assessed on December 12, 2015.I have highlighted the area that discloses the Negative Balance Fee for your referenceShould 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.Sincerely, [redacted]
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernOur records show you visited our South Post Oak branch on November 27, On that date, we ordered a new debit card for you ending in which we show was activated on December 14, 201• We sincerely apologize for our oversight in closing your debit card ending in when you reported that the card was no longer in your possessionThe oversight left your card active and an unauthorized debit transaction was pre-authorized from your account on January 10, You filed an unauthorized debit activity claim on January 13, the $transaction to MO City FitnessIn compliance with Federal Reserve Regulation E, we provi ed the account with a provisional credit of $on January 15, while we continued our investigationThat credit was made final on January 25, A copy of the final disposition on y dispute is attached for your referenceShould 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
Complaint: [redacted] I am rejecting this response because:Still does not explain why no notices were sent in regards to the account being over drawn If we had been notified we would have been able to avoid the fee So am I to conclude that the bank dies not notify it's customers when their account is overdrawn to guarantee that the fee will be charged If that's the case that's bad business I still contend that even I'd we were aware of the fees that we should have been notified of the overdraft in written form of some sort Seems that the bank is only after fees and it's customers are not important in any way I'm thinking that as soon as we can, my husband and I will be changing to a bank that does care about its customers and will be sure to tell everyone we know to not do business with a shady bank who is only concerned with charging it's customers fees without giving the the chance to rectify a problem by notifying them The only reason we kept our accounts open at this point was waiting on this resolution But case in point...shady bank that likes to charge without notifying of overdrafts Regards, [redacted] ***
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 accountI 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 themI also find it funny that they only tried to contact me after I made the complaint and again sent me letterI'm done with them and had actually go there to recieve my money from a deposit made by my employer by mistake Regards, [redacted]
We are in receipt of your letter to the Revdex.comWe 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, 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, respectivelyIn an effort to resolve this matter amicably, we have enclosed copies of your monthly account statements from January to July for each of these accounts for your review.We thank you for your past patronage and wish you success in your future financial endeavors
Thank you for taking my phone calls on February 7th and February 9th to discuss the concerns outlined in your letter to the Revdex.com.Please find enclosed a copy of our final determination letter for your identity theft claimIn support of our decision, we have enclosed a copy of the signature card for checking account ending in [redacted] which you established with us on March 24, The loan proceeds were deposited into this checking account on September 17, 2014, and you established a monthly automatic transfer from this checking account to repay the loanAlso enclosed are the loan closing documents for Fresh Start Loan ending in [redacted] for your records.As of today's date, the charged-off balance of your Fresh Start Loan is $You may remit payment of the charged off balance by visiting any of our branches or mailing a check or money order to: [redacted] ***
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.Dcard to qualify you for a Convenience Checking accountI informed you that this Military I.Dcard expired June 5, but upon receipt of a valid (unexpired) Military I.Dcard or Veteran 1.Dcard, we will change your account type from a Power Checking account to a Convenience Checking accountYou stated this was the only Military I.Dcard you had in your possession but would srecurring 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 $or more each day, or· Have a monthly recurring direct deposit of $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 conversationAs a goodwill gesture, refunds totaling $were processed to your account ending in ***.At the conclusion of the call you stated you were satisfied with the resolutionShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form, participate
Complaint: [redacted] I am rejecting this response because: Their is answer is full of liesMy father and I went into the bank with our power of attorney documentation on the same day we opened the accountIn 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 occurredWe 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 times before finally reaching [redacted] explaining our plight [redacted] DID NOT attempt to reach us several times that is also a blatant lieIn the duration of all of this my Father suffered a very bad fall and was hospitalized and transferred to a nursing homeI 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 year 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 itI will NOT rest until my father is made whole, Regards, [redacted] ***
Please see attachment for a copy of our response to Ms [redacted]
Complaint: [redacted] I am rejecting this response once again because: My position remains unchangedIn addition, my address remains unchangedDespite what First Convenience Bank states, our address did not changeThey had our correct addressThey only sent us one piece of mailThey never tried to contact me by phone, email or otherwise, even though they had all of my correct informationI thought the account was paperless, so I did not expect mail from themWhen I did not receive mail from them, I was not alarmedWhen they finally contacted me months after they received the return mail, they refused to give me a copy of the return mail label so that I could investigate this from my end with the United States Post OfficeWhen I contacted the Revdex.com, 1st Convenience Bank did send a photo copy of this returned mailHowever, when we took this to our local post office they stated that nothing could be done on their end because it occurred so long agoI still contend that the bank needs to send me a cashier's check in the full amount of my original balance from my accountThe reviews I have read online about this bank are consistent with my experienceOne reviewer stated "If you do not spend your money, this bank will spend it for you." I believe that is what is going on hereI had money that I was saving in my account, not withdrawing anything, and they began to find ways to get my moneyThen to have the audacity to threaten a 3rd party collection agencyThese practices are dishonest and should be illegalI feel that they have stolen money from me and there is nothing I can do about itI am not happy about their response and I have rejected it because they currently have and have always had my correct addressPlease mail my funds to me, close my account and restore any damage done to my credit Regards, [redacted]
Attached is a copy of our response to Ms***
It was a pleasure to speak with you on August 18th and August 19th about the concerns outlined in your letter to the [redacted] During our August 18th phone call, I processed another debit card order and expedited the shipping at no cost to you to your address of [redacted] *** [redacted] ***We show the new debit card ending in [redacted] was delivered to that address on August 22" at 8:a.mI attempted to contact you on that same date to confirm you received the new debit card but was unsuccessful in reaching you by phoneOur records show you activated the new debit card and began using it on August 23, Should you require further information or assistance, please do not hesitate to contact me directly at [redacted] I stand ready to provide you help