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Bealhen Construction Reviews (93)

Attached is a copy of our response to Ms [redacted] December 18, [redacted] ***Re: Revdex.com case # [redacted] Dear Ms [redacted] :It was a pleasure speaking with you by phone to address the concerns outlined in your letter to the Revdex.com As stated, in recognition of your efforts to monitor your account balance, I have processed a credit of $to your account.During our phone conversation, we discussed our overdraft services as outlined in the Deposit Agreement provided you at account openingI asked you if you wished to change your overdraft election from full overdraft privilege to our standard overdraft service or no overdraft service but you declined.Please note, 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.To help our customers be successful in managing their account, we provide free account monitoring tools such as Online Banking and Mobile BankingYou may also wish to enable text alerts to receive notifications of when your balance has fallen below a designated amount.You may also elect to enroll in AccountTRANSFER Overdraft Protection Plan to reduce the cost of future overdraftsAccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated "transfer from" account as protection against overdrafts in other accountsAccountTRANSFER 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 or change your overdraft privilege election, 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[redacted] Customer RelationsCC: Revdex.com

It was a pleasure to speak with you today about your letter to the Revdex.com.During our call, we discussed your overdraft privilege election, and the way overdrafts, NSF, and negative balance fees are assessed to an accountAs a reminder, an NSF fee will be assessed for each check, ACH transaction and bill payment that is returned because you do not have enough money in your accountWe will not charge this fee if the item we return is $or less.Although you have elected not to have overdraft privilege, your account may still become overdrawn.The Bank may be legally obligated or have the contractual right to pay certain items resulting in an overdraft in your accountExamples include, but are not limited to, ATM withdrawal and pre-authorized Debit MasterCard transactions.To resolve this matter amicably, we have processed refunds totaling $to your account ending in ***You confirmed your understanding of the overdrafts, NSF and negative balance fees, and stated you would continue your account relationship with us.Should you have additional questions or concerns, please do not hesitate to contact me directly at [redacted]

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

Please see attachment for a copy of our response

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]

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

Attached is a copy of our response to Ms [redacted] .It was my pleasure to speak with you by phone regarding your letter to the Revdex.comPlease accept our sincere apology for the level of service provided you during your phone call to us for assistance with your accountBe assured we have taken steps to correct this training oversight.In an effort to assist you, I emailed a new signature card to you to formalize the removal of your name as a joint account holder, and designation of your authority as an authorized agent on checking account ending in ***You were asked to forward the completed signature card to me at:First Convenience Bank [redacted] ***I received an electronic copy of the completed signature card on April 14, During our April 15th phone call, you stated you had not yet placed the original signature card in the mail but would do soAt the conclusion of the call you stated your concerns have been resolved to your satisfaction

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, unauthorized debit activity claim on May 17, with credits totaling $to your checking account ending in ***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 claimIf 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 investigationIf the alleged error involved a new account, we may take up to twenty (20) business days to conduct our investigation and correct any errorsIf we determine that the investigation will take us longer to complete, we will provisionally credit the new account within twenty (20) business daysAn 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

It was a pleasure to speak with you about your letter to the Revdex.com.As discussed during our call, we contacted Grants State Bank on February 131" to verify payment of the checkGrant State Bank provided confirmation that check number [redacted] had cleared the account of their account holder and was considered 'final paid' under banking guidelinesSubsequently, we released the delayed availability hold and funds from the check were available in the account that same day.In the future, if you wish to negotiate a check drawn on another financial institution, you may present the check directly to the bank on which it was drawnYou may also ask the bank on which the check was drawn to fax a letter stating the check has been paidThis letter may be faxed to [redacted] .Should you have additional questions or concerns, please do not hesitate to contact me directly at [redacted] Monday — Friday from 8:a.mto 5:p.mCT

Complaint: [redacted] I am rejecting this response because: The response does not address missing ssdi deposit activity on the account years later all my attempts to resolve this matter then and now my recourse if the Bank clerks and branch managers do not do their job or conduct business as they communicate Regards, [redacted] [redacted]

Please see attachment for a copy of our response to Ms [redacted] .We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns.We show you reported your debit card lost and subsequently filed an unauthorized debit activity claim on March 15, for three unauthorized withdrawals conducted at a Global Cash A (GCA) ATMDuring the claim interview, you stated that you did not keep the PIN with the card and have never used the merchant's products and/or servicesAlthough we cannot require you to file a police report, you said you were agreeable to doing so.Our investigation identified discrepancies in your claim report and in the transaction activityFor example, there were no invalid PIN attempts related to the disputed transactions, the merchant confirmed you were a Buyer's Club member and frequented their hotel and casino prior to the reported unauthorized activityYour account history supports that response as there were seven GCA debits from February 6, to February 21, which you did not dispute.Based on those findings, your claim was denied and we provided you notice of the denial in our letter dated April 5, (copy enclosed)If you have filed a police report, please provide us with the case number and contact information for the officer assigned to your caseWe will cooperate fully in any lawful investigation and will re­open your dispute claim while doing so.As of today's date, your account has a charged-off balance of $You may make a deposit to your charged-off account by visiting any of our branch locations or mailing a check or money order to First National Bank Texas, Attn: Mail Teller, [redacted]

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

Please see attachment for a copy of our response to Ms [redacted] [redacted] ***Re: RevDex.com # [redacted] Dear Ms [redacted] :We are in receipt of your follletter 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 openedDuring 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 accountNever initiate a transaction in anticipation of a deposit until the funds have been posted to your account and are reflected in the available balanceThe 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 BankingSincerely, [redacted]

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

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 $per item we pay even though you do not have enough money in your accountWe will not charge an overdraft fee if the items we pay are $or less or result in an overdrawn balance of $or lessIf 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 dayWe 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 PlanAccountTRANSFER Overdraft Protection allows you to use the money you put aside in a separate designated "transfer from" account as protection against overdrafts in other accountsAccountTRANSFER Overdraft Protection transfers are made for the exact amount required to cover the overdraft plus the applicable transfer feeWe will make one (1) transfer per day and one (1) AccountTRANSFER Overdraft Protection fee of $will be assessedIf 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 $per item NSF/OD fee and Negative Balance Fees apply.We then discussed the duplicate payment by Honda for $which posted to your account on April 28, As stated during our call, we received your request to dispute the electronic (ACH) debit by Honda on April 29, Your claim was finalized on May 1, with credits totaling $which included the amount of the disputed transaction and associated overdraft feesA copy of our determination letter is enclosed for your reference.At the conclusion of the call you indicated that your concerns have been addressed satisfactorilyShould 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 ArizonaYou may also contact me directly at [redacted]

Complaint: [redacted] I am rejecting this response because: to see the how nasty this bank is the post my entire account onlineI am just frustrated and will end my relationship with themThey don't want to accept their fault but want to access fees to my account after you post the $fees it was not quite days you then access $fees and you are refusingI will forward my complain somewhere elseYou need to be jail for your style of practice Regards, [redacted]

Please see attachment for a copy of our response to Ms***.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.comI 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 $and enclosed cashier's check [redacted] for that amount.At the conclusion of the call you stated your concerns have been resolved to your satisfactionShould you require further information or assistance, please do not hesitate to contact me directly at ###-###-####

Please see attachment for a copy of our responseRe: Revdex.com # [redacted] Dear Mr [redacted] :We are in receipt of your most recent letter to the Revdex.com and wish to inform you that our position has not changed from our response to the Office of the Comptroller of the Currency Case [redacted] dated July 20, 2015.During our July 20`phone call, you acknowledged that you were informed of the overdraft privilege choices available to you at time of account opening, selected no overdraft privilege, and was given the new account disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with us.Included in that packet was a document tiled, "A Clear and Concise Guide to the Power Checking Account" which disclosed you will be charged an NSF fee for each check and ACH transaction that is returned because you do not have enough money in your accountWe will not charge this fee if the item we return is less than $1.00.An additional copy of the "Clear and Concise Guide to the Power Checking Account" is enclosed for your referencePlease direct your attention to the section titled "What You Need To Know About Overdrafts and Overdraft Fees"I have highlighted the area that discloses the Non-Sufficient Funds (NSF) Fee and Negative Balance Fee in the section to the Overdraft Option you selected at account opening

We are in receipt of your follcorrespondence to the Revdex.com.Accompanying our letter dated August 4, were documents titled DDA Holds/Transactions History which outlines your transaction activity from July 12th to July 18thWhen you reviewed these documents you would have noted that no deposits were received for your account on July 18, when the electronic debit to Elephant Insurance presented to the account for paymentWe 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 accountThis account product is listed on each monthly statement generated for your accountWe have no records of a savings account for you or your daughter

Please see attachment for a copy of our response to Ms. ***.December 21, 2015 [redacted] ***Re: RevDex.com Case # [redacted] Dear Ms. ***: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] Sincerely, [redacted] [redacted]

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