Complaint: [redacted] I am rejecting this response because: Again the security draft was taken first and I had enough money in the bank to cover the security draftYour bank changed the dates to make it look like the car payment was taken first which is total lieThis is not over until I get the $back the bank owes meChanging the dates on auto drafts is a felony on the banks behalfChanging draft dates so they can charge double overdraft fee is a felony alsoThis issue will be escalated because apparently the Revdex.com does not care to enforce felonies the bank are trying to lie about which is complete [redacted] I will escalate this to the banks insurance company and the US government but again this is not over by farBanks robbing people by changing the drafts dates so they can charge double drafts are going to stop Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: 1st Convenience Bank has always had my correct mailing address and my correct phone number and correct email addressThey state that my account went into "address unknown" status and imply that I changed my addressI receive mail at my current address days a week and have never had a problem with returned mail, until now1st Convenience Bank states in the letter to me, "The accountholder's responsibility is to ensure that we have your current mailing address in our records." I have told this bank over and over again that they have my correct address and nothing has changedThey continue in the letter to me to state, "We stored your statements that were generated thereafter in our system until such time as you provide us with your correct address information." I am confusedIf I have always maintained my same address and I always get all my other mail there, why is it that 1st Convenience Bank is unable to send me mail? When I asked for proof of the returned mail 1st Convenience Bank was able to send me a letter to my same address that was used to open the account and asked for $to cover the cost of researchIf they indeed did get mail returned to them, why did they not call my working phone number or email me to ask what was wrong? I did not move, I had the same phone number and email address as I did when I opened the accountNothing with me had changedThis will not be resolved until I receive a cashier's check for $100.00, my account is closed and any and all damage to my credit be repaired Regards, [redacted]
Please see attachment for a copy of our responseDear 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 websiteI contacted you directly by phone that same day to address the concerns you outlined in your reviewDuring our conversation, you shared with me your recent experience at our banking center located at [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 centerI contacted our Retail Lending department to have the loan documents forwarded to the designated branch for completionA review of our records shows you signed the loan documents on July 1, and the loan proceeds were made available in your checking account that same day.I attempted to reach you by phone on July 8, to confirm we had addressed all of your concernsSince 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
December 3, 2015To Whom It May Concern:Our response to [redacted] rejection has been attached.Sincerely, [redacted] Real Time Service Center First Convenience Bank November 30, [redacted] Re: RevDex.com case # [redacted] Dear [redacted] ***We are in receipt of your follletter to the RevDex.comAs stated in our email to you on November 19, 2015, we are unable to share with you any information regarding another individual or bank accountWe will comply with any lawful order received which requires us to provide information.To date, we have not received any lawful instruction that compel us to respond with the information you have requestedWe consider this matter closed.Sincerely, [redacted] Customer RelationsCC: RevDex.com
November 23, 2015To Whom It May Concern:Our response to Ms [redacted] ’s concerns along with the pertinent supporting documents has been attached.Sincerely, [redacted] Real Time Service Center First Convenience BankNovember 18, [redacted] ***Re: Revdex.com Case # [redacted] Dear Ms [redacted] :We are in receipt of your correspondence 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 concernsWhen you established your account, we provided you with a disclosure packet covering the terms, conditions and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our right of set off and states, "We may set offfunds in your Account to pay any debt you may owe usIf the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the AccountWe are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the AccountYou hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable Imv and to the extent necessary to satisfiall ofyour debts and liabilities to us, however and whenever incurred or evidenced".We show on April 17, 2015, you received a Fresh Start Loan of $You agreed to repay the loan in monthly installments of $beginning May 31, and ending October 31, A review of your Fresh Start Loan payment history shows your last loan payment was received on September 9, When we did not receive further payment from you on the due dates of your loan, we exercised our right of set-off on October 12th, October 171h, and November 12, when we transferred funds from your accounts ending in [redacted] and [redacted] to set off an obligation you entered when you established the Fresh Start loan.I have enclosed copies of your October and November monthly account statements when we exercised our right of set off.As of the date of this letter, your Fresh Start loan has a past due balance of $Please take this opportunity to make a payment to your loan by visiting any of our branch locations, contacting us by phone at [redacted] or by mail to: First Convenience Bank, Attn: [redacted] 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.Vice President Customer RelationsCC: Revdex.com Enclosures (11)
Please see attachment for a copy of our response.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.As indicated in your letter, when you established your account on January 6, you told us you did not want us to authorize and pay overdrafts for any transaction typeYour 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 as disclosed to you in the documents titled, "Welcome to the Family" and "Banking Services/Fee Schedule".Please note, because we are legally obligated to pay certain items, your Account may become overdrawn even if you do not authorize us to pay items into the overdraftWhether we pay or return an NSF item, we can charge your Account a fee per item as set forth in our Banking Services/Fee ScheduleThe fee may be imposed on checks and other transactions such as preauthorized debits, telephone-initiated transfers or other electronic transfersWe have no obligation to notify you before we pay or return any itemThe items may not be presented to us for payment in the order that they occurred, and this may impact the total amount of fees you incurThe amount of any overdraft and NSF fees are due and payable as of the date incurred.On April 14, 2015, your available balance was $when an electronic debit from PROG COUNTY MUT for $presented for paymentWe returned the item as NSF and assessed the disclosed $feeSimilar occurrences took place each time a transaction made using your checking account number presented for payment against an insufficient account balanceAs stated in your call to Customer Support on April 22, 2015, upon receipt of a letter from Progressive County Mutual Insurance Company stating they submitted the debit for payment in error, we will refund any fees we assessed related solely to that errorYou may forward supporting documentation from the merchant by fax to ###-###-####.Thank you for making us aware of unauthorized debit attempts on your account by U-HaulConsumer protection laws allow you to file an unauthorized claim on payment order debits you believe to be unauthorizedYou may do so by contacting our Dispute Resolution Center at ###-###-####, select 1(English) or (Spanish), then option followed by option If the investigation supports the claim of unauthorized activity, your account will be credited for the amount of the transaction along with the fees directly resulting from the disputed transaction(s).In the meantime, your account ending in [redacted] charged off with an overdrawn balance of $You may make a deposit to correct the overdraft by visiting any of our branches or by mailing a deposit to First Convenience Bank, Attention: Mail Teller, [redacted] ***
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 countOur investigation determined that the cash shortage was associated with your transaction.Although no bank error was made, we have processed a credit of $to your account ending in ***
Please see attachment for a copy of our response to Ms [redacted] recent letter to your office.February 26, [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 overdrawnWe will waive the fee if on the sixth (6th) day your account is overdrawn less than $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 deviceWith 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 ProtectionThis product 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 feeIf you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please visit your local branch to establish a "transfer from" accountSincerely, [redacted]
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to clarify some of the facts we uncovered during our research of your concerns.Our Funds Availability Policy, which complies with Federal Reserve Regulation CC, states in part, "...If we are not going to make all of the funds from your deposit available on the first (1st) banking day, we will notify you at the time you make your depositWe will also tell you when the funds will be availableIf your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day following the banking day we receive your depositIf you will need the funds from a deposit immediately, ask us when the funds will be available".We show on April 9, 2017, you deposited checks numbered for $and for $540.00; both drawn on your account with Chase, in to your accounts ending in - [redacted] and - [redacted] respectivelyThe following morning at approximately 8:a.m., you completed a $ATM withdrawal from account - [redacted] and a $ATM withdrawal from account ending in ***During our post deposit review on that same date, a seven business day hold was placed on the amount of the check as allowed by Regulation CC when we received confidential information indicating the item may not be paidWhen we placed that hold, a notice of funds delayed availability (copy enclosed) was delivered electronically to your Gmail email address on file outlining the amount held, the reason for the delay, and the date funds would be made available.We show checks numbered and were returned to us unpaid by JP Morgan Chase Bank on April 12, for 'Closed Account' and charged back to your accountThe associated return item fee was assessed along with an overdraft fee when the charge-back debit overdrew your account.As of today's date, your accounts ending in [redacted] and [redacted] have a charged-off balance of -$and respectivelyYou 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 for a copy of our response Please note, this response was mailed to your office on September 2, We are in receipt of your recent letter to the Revdex.comWe appreciate the opportunity to provide you with information as to why your June 29, electronic funds transfer claim for two alleged unauthorized debits of $by Priceline and $by Spirit Airlines was denied.When we receive a report of unauthorized debit activity, Federal Reserve Regulation E allows ten (10) business days from receipt of the report for a financial institution to investigate and resolve the claimAt the end of the ten (10) day period, the financial institution must either have resolved the claim or provided a provisional credit while they continue their investigation.Those guidelines were followed when we provided your account ending in [redacted] with provisional credit totaling $1,on July 13, while we continued our investigationAs permitted by MasterCard guidelines, we "stood in your shoes" to initiate a chargeback to Priceline and Spirit Airlines of the disputed transactions with no guaranty of the outcomeSubsequently, Priceline and Spirit Airlines rejected this chargeback by providing sufficient information which supported that the disputed transactions were indeed authorizedBased on those findings, your claim was denied and we reversed the provisional credits on August 13, 2015.We provided you notice of our actions in our letter dated 08/13/(copy enclosed)Also enclosed are the documentation from Priceline and Spirit Airlines on which our reversal decision was basedRegretfully, we have exhausted every option available to us to resolve your dispute with the merchants
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsI 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 transactionOur teller processed the deposit amount for $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 depositsSuch 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 $to your accountA 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
Attached is a copy of our response to Ms [redacted] .We are in receipt of your recent letter to the Revdex.comIt is frustrating when unexpected fees are charged to your account so we appreciate the opportunity to respond to your concerns.When you opened your account on September 23, 2015, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your accountIncluded in that packet were documents titled Welcome to the Family and Banking Services-Fee Schedule both of which disclosed your account would be charged $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 amountYou may also obtain more detail on these transactions by visiting your local banking center or calling our Hour Personal Account line and speaking to one of our customer care representatives.When listening to calls you made to Customer Support on April 6, 2016, we found Personal Phone Banker [redacted] reviewed with you your account history, explained that merchant holds reduce the amount available to pay checks and other debits that are presented to the bank for payment, and informed you that if you did not restore your account to good standing on that same date, your account would be charged another overdraft fee when the POS debit of $by Raising Cane's presents for final paymentYou agreed to make a deposit on that day however; we do not show a deposit was made to avoid the disclosed per-item overdraft feeA $Negative Balance fee was assessed on April 10, when the account remained overdrawn for six (6) consecutive banking days.Please find enclosed copies of the NSF/OD notices delivered electronically to your Gmail email address on file along with documents titled DDA Holds/Transaction History which provides a detail transaction activity for the days of April 4th to April 10thTake a moment to read the informational sheet which is also enclosed.In an effort to provide an amicable resolution, I have processed refunds totaling $to your accountPlease take this opportunity to make a deposit to cover the remaining negative balance in your account.Internet Banking is a convenient tool to monitor your Account as it provides you with both the current and available balance as well any pending transactions on the current calendar day you are viewing but the best way to avoid overdraft fees is to maintain an accurate transaction register.You may also wish to enroll in our AccountTRANSFER Overdraft Protection Plan to reduce the cost of future 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 feeIf you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please visit your local branch to establish a "transfer from" account
We are in receipt of your 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 concernsWhen you established your account with us, ‘Ne provided you with a disclosure packet covering the terms, conditions, and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our right to set off, and states in part: We may set off funds in your Account to pay any debt you may owe usIf the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the AccountEach owner agrees to indemnify andand hold us harmless from all claims, demands, lawsuits, losses, costs, expenses and attorneys' fees we suffer or incur in enforcing your agreement to be jointly and severally liable for overdrafts, and to permit set off of the account against any one of your debts to us ....We are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the AccountYou hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable law and to the extent necessary to satisfi, all of your debts and liabilities to us, however and whenever incurred or evidencedAs referenced in your letter, we exercised our right to set off on July 10th and 12th when we transferred $and $respectively from your joint owner checking account ending in [redacted] to cover a debt owed to us by an authorized account ownerAs of today's date, our records show your account ending in [redacted] is in good standingAdditionally, we show we stopped the return of the $electronic debit to PRIMERICA LIFE/INS and paid the item on August 2, when we received a cash deposit of $by joint owner [redacted] Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet Banking
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] ***
It was a pleasure to speak with you by phone about your letter to the Revdex.com.During our call, we discussed the point-of-sale (POS) transactions that caused your account to become overdrawnYou confirmed that each debit transaction was authorized by you, and acknowledged that the transactions were initiated in anticipation of a deposit which was received later than expected.I thank you for using online banking and mobile banking to review your transaction historyI encourage you to enable text alerts to receive notifications of when your balance has fallen below the designated amountIf you need assistance with enabling text alerts, please do not hesitate to contact me directly at [redacted] .In recognition of your efforts to make a deposit to restore your account to good standing, we have processed credits totaling $to your accountIn closing, I wish you well as you pursue your educational goalsAlthough it can be daunting when you look at the required course work, it is also very fulfilling and empowering as you pass each milestone
We are in receipt of your correspondence to the Revdex.comI attempted to contact you directly by phone but as of today have not received a response to the messages I left.A pending transaction is an approved debit or credit transaction that has not yet posted to your accountPending transactions may affect your available balance and when items post, they are then reflected in your statement history.Please note that the available balance may not reflect all transactions that will impact the amount of funds in your account, including, but not limited to, your outstanding checks, automatic payments such as mobile or online bill payments, or ACH and recurring card transactions you have scheduled/authorizedFor example, when you write a check, the payee may not present the check to us for payment so, in that instance, the amount of the outstanding check will not be deducted from your available balance.When you contacted us by phone on November 29, for information of all pending transactions reflecting in your account, we provided you with all requested information that was available to us 'at that time'During the call, you acknowledged that you had two outstanding checks; one in the amount of $and the other for $but still made the decision to use the funds that were available in the account.As indicated in your letter, we show check number [redacted] for $payable to Barcelona Soccer presented for payment on November 29, against an insufficient account balanceThe debit was marked for return and the associated per-item non-sufficient funds (NSF) fee was assessed to your accountThe following day, we received your direct deposit from City Chandler for $which when posted, would provide sufficient funds to pay the NSF $check to Barcelona Soccer from the previous dayAs a courtesy to you and to prevent you from possibly incurring merchant fees from a returned item, we stopped the return of the debit and paid the itemWe also adjusted your fee assessment record to reflect a reversal of the November 29th NSF fee and assessment of the per-item overdraft feeThis fee is displayed in your account history as "OD/NSF ITEMS PAID".Should you require further information or assistance, please do not hesitate to contact me at my direct dial number provided in my voice mail
We are in receipt of your correspondence to the RevDex.com. After listening to the recording of your January 28, 2016 phone call to customer support, I found the unauthorized fees and charges to which you refer in your letter are the overdraft collection attempts we made to satisfy the... overdrawn balance in account ending in 0098. Please permit me to provide you additional information concerning the actions we took involving your account. In the Deposit Agreement provided you at account opening, we disclosed, "We may set off funds in your Account to pay any debt you may owe us. If the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the Account... We are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the Account... You hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable law and to the extent necessary to satisfy all ofyour debts and liabilities to us, however and whenever incurred or evidenced". Our records show your account ending in 0098 became overdrawn when electronic payments from Active Hours, Inc., Gexa Energy, Advance America, ATT and checks you wrote presented for payment against an insufficient account balance. We returned each item unpaid and assessed the disclosed non-sufficient funds handling fee. On January 17th and 28th, 2016, we exercised our right of set off by transferring funds from your account ending in 3991 to satisfy the debt in account ending in 0098. After we exercised our right of set off, ATT presented a payment of $399.80 on February 4, 2016 against an insufficient account balance. We returned the item unpaid and assessed a NSF fee. We have enclosed a copy of your DDA Holds/Transactions History which outlines all transaction activity for the dates on which the non-sufficient funds (NSF) fee was assessed in the prior forty-five (45) day period. Also enclosed are copies of the NSF notices you received for the fee assessments. In an effort to resolve this matter amicably, we have processed refunds totaling $136.00 to your account ending in 0098. Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet Banking.
November 20, 2015To Whom It May Concern:We have not been provided with any details or explanation concerning the rejection from the consumer in order to tender a response.Sincerely, [redacted] Real Time Service Center First Convenience Bank
Complaint: [redacted] I am rejecting this response because: Again the security draft was taken first and I had enough money in the bank to cover the security draftYour bank changed the dates to make it look like the car payment was taken first which is total lieThis is not over until I get the $back the bank owes meChanging the dates on auto drafts is a felony on the banks behalfChanging draft dates so they can charge double overdraft fee is a felony alsoThis issue will be escalated because apparently the Revdex.com does not care to enforce felonies the bank are trying to lie about which is complete [redacted] I will escalate this to the banks insurance company and the US government but again this is not over by farBanks robbing people by changing the drafts dates so they can charge double drafts are going to stop Regards, [redacted] ***
Complaint: [redacted] I am rejecting this response because: 1st Convenience Bank has always had my correct mailing address and my correct phone number and correct email addressThey state that my account went into "address unknown" status and imply that I changed my addressI receive mail at my current address days a week and have never had a problem with returned mail, until now1st Convenience Bank states in the letter to me, "The accountholder's responsibility is to ensure that we have your current mailing address in our records." I have told this bank over and over again that they have my correct address and nothing has changedThey continue in the letter to me to state, "We stored your statements that were generated thereafter in our system until such time as you provide us with your correct address information." I am confusedIf I have always maintained my same address and I always get all my other mail there, why is it that 1st Convenience Bank is unable to send me mail? When I asked for proof of the returned mail 1st Convenience Bank was able to send me a letter to my same address that was used to open the account and asked for $to cover the cost of researchIf they indeed did get mail returned to them, why did they not call my working phone number or email me to ask what was wrong? I did not move, I had the same phone number and email address as I did when I opened the accountNothing with me had changedThis will not be resolved until I receive a cashier's check for $100.00, my account is closed and any and all damage to my credit be repaired Regards, [redacted]
Please see attachment for a copy of our responseDear 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 websiteI contacted you directly by phone that same day to address the concerns you outlined in your reviewDuring our conversation, you shared with me your recent experience at our banking center located at [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 centerI contacted our Retail Lending department to have the loan documents forwarded to the designated branch for completionA review of our records shows you signed the loan documents on July 1, and the loan proceeds were made available in your checking account that same day.I attempted to reach you by phone on July 8, to confirm we had addressed all of your concernsSince 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
December 3, 2015To Whom It May Concern:Our response to [redacted] rejection has been attached.Sincerely, [redacted] Real Time Service Center First Convenience Bank November 30, [redacted] Re: RevDex.com case # [redacted] Dear [redacted] ***We are in receipt of your follletter to the RevDex.comAs stated in our email to you on November 19, 2015, we are unable to share with you any information regarding another individual or bank accountWe will comply with any lawful order received which requires us to provide information.To date, we have not received any lawful instruction that compel us to respond with the information you have requestedWe consider this matter closed.Sincerely, [redacted] Customer RelationsCC: RevDex.com
November 23, 2015To Whom It May Concern:Our response to Ms [redacted] ’s concerns along with the pertinent supporting documents has been attached.Sincerely, [redacted] Real Time Service Center First Convenience BankNovember 18, [redacted] ***Re: Revdex.com Case # [redacted] Dear Ms [redacted] :We are in receipt of your correspondence 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 concernsWhen you established your account, we provided you with a disclosure packet covering the terms, conditions and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our right of set off and states, "We may set offfunds in your Account to pay any debt you may owe usIf the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the AccountWe are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the AccountYou hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable Imv and to the extent necessary to satisfiall ofyour debts and liabilities to us, however and whenever incurred or evidenced".We show on April 17, 2015, you received a Fresh Start Loan of $You agreed to repay the loan in monthly installments of $beginning May 31, and ending October 31, A review of your Fresh Start Loan payment history shows your last loan payment was received on September 9, When we did not receive further payment from you on the due dates of your loan, we exercised our right of set-off on October 12th, October 171h, and November 12, when we transferred funds from your accounts ending in [redacted] and [redacted] to set off an obligation you entered when you established the Fresh Start loan.I have enclosed copies of your October and November monthly account statements when we exercised our right of set off.As of the date of this letter, your Fresh Start loan has a past due balance of $Please take this opportunity to make a payment to your loan by visiting any of our branch locations, contacting us by phone at [redacted] or by mail to: First Convenience Bank, Attn: [redacted] 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.Vice President Customer RelationsCC: Revdex.com Enclosures (11)
Please see attachment for a copy of our response.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.As indicated in your letter, when you established your account on January 6, you told us you did not want us to authorize and pay overdrafts for any transaction typeYour 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 as disclosed to you in the documents titled, "Welcome to the Family" and "Banking Services/Fee Schedule".Please note, because we are legally obligated to pay certain items, your Account may become overdrawn even if you do not authorize us to pay items into the overdraftWhether we pay or return an NSF item, we can charge your Account a fee per item as set forth in our Banking Services/Fee ScheduleThe fee may be imposed on checks and other transactions such as preauthorized debits, telephone-initiated transfers or other electronic transfersWe have no obligation to notify you before we pay or return any itemThe items may not be presented to us for payment in the order that they occurred, and this may impact the total amount of fees you incurThe amount of any overdraft and NSF fees are due and payable as of the date incurred.On April 14, 2015, your available balance was $when an electronic debit from PROG COUNTY MUT for $presented for paymentWe returned the item as NSF and assessed the disclosed $feeSimilar occurrences took place each time a transaction made using your checking account number presented for payment against an insufficient account balanceAs stated in your call to Customer Support on April 22, 2015, upon receipt of a letter from Progressive County Mutual Insurance Company stating they submitted the debit for payment in error, we will refund any fees we assessed related solely to that errorYou may forward supporting documentation from the merchant by fax to ###-###-####.Thank you for making us aware of unauthorized debit attempts on your account by U-HaulConsumer protection laws allow you to file an unauthorized claim on payment order debits you believe to be unauthorizedYou may do so by contacting our Dispute Resolution Center at ###-###-####, select 1(English) or (Spanish), then option followed by option If the investigation supports the claim of unauthorized activity, your account will be credited for the amount of the transaction along with the fees directly resulting from the disputed transaction(s).In the meantime, your account ending in [redacted] charged off with an overdrawn balance of $You may make a deposit to correct the overdraft by visiting any of our branches or by mailing a deposit to First Convenience Bank, Attention: Mail Teller, [redacted] ***
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 countOur investigation determined that the cash shortage was associated with your transaction.Although no bank error was made, we have processed a credit of $to your account ending in ***
Please see attachment for a copy of our response to Ms [redacted] recent letter to your office.February 26, [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 overdrawnWe will waive the fee if on the sixth (6th) day your account is overdrawn less than $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 deviceWith 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 ProtectionThis product 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 feeIf you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please visit your local branch to establish a "transfer from" accountSincerely, [redacted]
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to clarify some of the facts we uncovered during our research of your concerns.Our Funds Availability Policy, which complies with Federal Reserve Regulation CC, states in part, "...If we are not going to make all of the funds from your deposit available on the first (1st) banking day, we will notify you at the time you make your depositWe will also tell you when the funds will be availableIf your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day following the banking day we receive your depositIf you will need the funds from a deposit immediately, ask us when the funds will be available".We show on April 9, 2017, you deposited checks numbered for $and for $540.00; both drawn on your account with Chase, in to your accounts ending in - [redacted] and - [redacted] respectivelyThe following morning at approximately 8:a.m., you completed a $ATM withdrawal from account - [redacted] and a $ATM withdrawal from account ending in ***During our post deposit review on that same date, a seven business day hold was placed on the amount of the check as allowed by Regulation CC when we received confidential information indicating the item may not be paidWhen we placed that hold, a notice of funds delayed availability (copy enclosed) was delivered electronically to your Gmail email address on file outlining the amount held, the reason for the delay, and the date funds would be made available.We show checks numbered and were returned to us unpaid by JP Morgan Chase Bank on April 12, for 'Closed Account' and charged back to your accountThe associated return item fee was assessed along with an overdraft fee when the charge-back debit overdrew your account.As of today's date, your accounts ending in [redacted] and [redacted] have a charged-off balance of -$and respectivelyYou 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 for a copy of our response Please note, this response was mailed to your office on September 2, We are in receipt of your recent letter to the Revdex.comWe appreciate the opportunity to provide you with information as to why your June 29, electronic funds transfer claim for two alleged unauthorized debits of $by Priceline and $by Spirit Airlines was denied.When we receive a report of unauthorized debit activity, Federal Reserve Regulation E allows ten (10) business days from receipt of the report for a financial institution to investigate and resolve the claimAt the end of the ten (10) day period, the financial institution must either have resolved the claim or provided a provisional credit while they continue their investigation.Those guidelines were followed when we provided your account ending in [redacted] with provisional credit totaling $1,on July 13, while we continued our investigationAs permitted by MasterCard guidelines, we "stood in your shoes" to initiate a chargeback to Priceline and Spirit Airlines of the disputed transactions with no guaranty of the outcomeSubsequently, Priceline and Spirit Airlines rejected this chargeback by providing sufficient information which supported that the disputed transactions were indeed authorizedBased on those findings, your claim was denied and we reversed the provisional credits on August 13, 2015.We provided you notice of our actions in our letter dated 08/13/(copy enclosed)Also enclosed are the documentation from Priceline and Spirit Airlines on which our reversal decision was basedRegretfully, we have exhausted every option available to us to resolve your dispute with the merchants
We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsI 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 transactionOur teller processed the deposit amount for $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 depositsSuch 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 $to your accountA 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
Attached is a copy of our response to Ms [redacted] .We are in receipt of your recent letter to the Revdex.comIt is frustrating when unexpected fees are charged to your account so we appreciate the opportunity to respond to your concerns.When you opened your account on September 23, 2015, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your accountIncluded in that packet were documents titled Welcome to the Family and Banking Services-Fee Schedule both of which disclosed your account would be charged $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 amountYou may also obtain more detail on these transactions by visiting your local banking center or calling our Hour Personal Account line and speaking to one of our customer care representatives.When listening to calls you made to Customer Support on April 6, 2016, we found Personal Phone Banker [redacted] reviewed with you your account history, explained that merchant holds reduce the amount available to pay checks and other debits that are presented to the bank for payment, and informed you that if you did not restore your account to good standing on that same date, your account would be charged another overdraft fee when the POS debit of $by Raising Cane's presents for final paymentYou agreed to make a deposit on that day however; we do not show a deposit was made to avoid the disclosed per-item overdraft feeA $Negative Balance fee was assessed on April 10, when the account remained overdrawn for six (6) consecutive banking days.Please find enclosed copies of the NSF/OD notices delivered electronically to your Gmail email address on file along with documents titled DDA Holds/Transaction History which provides a detail transaction activity for the days of April 4th to April 10thTake a moment to read the informational sheet which is also enclosed.In an effort to provide an amicable resolution, I have processed refunds totaling $to your accountPlease take this opportunity to make a deposit to cover the remaining negative balance in your account.Internet Banking is a convenient tool to monitor your Account as it provides you with both the current and available balance as well any pending transactions on the current calendar day you are viewing but the best way to avoid overdraft fees is to maintain an accurate transaction register.You may also wish to enroll in our AccountTRANSFER Overdraft Protection Plan to reduce the cost of future 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 feeIf you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please visit your local branch to establish a "transfer from" account
We are in receipt of your 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 concernsWhen you established your account with us, ‘Ne provided you with a disclosure packet covering the terms, conditions, and fee schedule governing your account relationship with usIncluded therein, the Deposit Agreement outlines our right to set off, and states in part: We may set off funds in your Account to pay any debt you may owe usIf the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the AccountEach owner agrees to indemnify andand hold us harmless from all claims, demands, lawsuits, losses, costs, expenses and attorneys' fees we suffer or incur in enforcing your agreement to be jointly and severally liable for overdrafts, and to permit set off of the account against any one of your debts to us ....We are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the AccountYou hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable law and to the extent necessary to satisfi, all of your debts and liabilities to us, however and whenever incurred or evidencedAs referenced in your letter, we exercised our right to set off on July 10th and 12th when we transferred $and $respectively from your joint owner checking account ending in [redacted] to cover a debt owed to us by an authorized account ownerAs of today's date, our records show your account ending in [redacted] is in good standingAdditionally, we show we stopped the return of the $electronic debit to PRIMERICA LIFE/INS and paid the item on August 2, when we received a cash deposit of $by joint owner [redacted] Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet Banking
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] ***
It was a pleasure to speak with you by phone about your letter to the Revdex.com.During our call, we discussed the point-of-sale (POS) transactions that caused your account to become overdrawnYou confirmed that each debit transaction was authorized by you, and acknowledged that the transactions were initiated in anticipation of a deposit which was received later than expected.I thank you for using online banking and mobile banking to review your transaction historyI encourage you to enable text alerts to receive notifications of when your balance has fallen below the designated amountIf you need assistance with enabling text alerts, please do not hesitate to contact me directly at [redacted] .In recognition of your efforts to make a deposit to restore your account to good standing, we have processed credits totaling $to your accountIn closing, I wish you well as you pursue your educational goalsAlthough it can be daunting when you look at the required course work, it is also very fulfilling and empowering as you pass each milestone
Our response was submitted to your office on October 5, Please see attached another copy of our response to Ms***
We are in receipt of your correspondence to the Revdex.comI attempted to contact you directly by phone but as of today have not received a response to the messages I left.A pending transaction is an approved debit or credit transaction that has not yet posted to your accountPending transactions may affect your available balance and when items post, they are then reflected in your statement history.Please note that the available balance may not reflect all transactions that will impact the amount of funds in your account, including, but not limited to, your outstanding checks, automatic payments such as mobile or online bill payments, or ACH and recurring card transactions you have scheduled/authorizedFor example, when you write a check, the payee may not present the check to us for payment so, in that instance, the amount of the outstanding check will not be deducted from your available balance.When you contacted us by phone on November 29, for information of all pending transactions reflecting in your account, we provided you with all requested information that was available to us 'at that time'During the call, you acknowledged that you had two outstanding checks; one in the amount of $and the other for $but still made the decision to use the funds that were available in the account.As indicated in your letter, we show check number [redacted] for $payable to Barcelona Soccer presented for payment on November 29, against an insufficient account balanceThe debit was marked for return and the associated per-item non-sufficient funds (NSF) fee was assessed to your accountThe following day, we received your direct deposit from City Chandler for $which when posted, would provide sufficient funds to pay the NSF $check to Barcelona Soccer from the previous dayAs a courtesy to you and to prevent you from possibly incurring merchant fees from a returned item, we stopped the return of the debit and paid the itemWe also adjusted your fee assessment record to reflect a reversal of the November 29th NSF fee and assessment of the per-item overdraft feeThis fee is displayed in your account history as "OD/NSF ITEMS PAID".Should you require further information or assistance, please do not hesitate to contact me at my direct dial number provided in my voice mail
We are in receipt of your correspondence to the RevDex.com. After listening to the recording of your January 28, 2016 phone call to customer support, I found the unauthorized fees and charges to which you refer in your letter are the overdraft collection attempts we made to satisfy the... overdrawn balance in account ending in 0098. Please permit me to provide you additional information concerning the actions we took involving your account. In the Deposit Agreement provided you at account opening, we disclosed, "We may set off funds in your Account to pay any debt you may owe us. If the Account is designated as a Multiple-Party Account on the Signature Card, each Owner agrees that we may set off the entire amount of the Account against the debt of any Owner, notwithstanding the interest of other Owners in the Account... We are authorized to charge any matured debt or liability against the Account and all Affiliated Accounts, without notice to you, and we shall not be liable for dishonoring items if such a charge or charges result in insufficient funds in the Account... You hereby acknowledge and agree that your Account shall secure all debts and liabilities of all Affiliated Accounts and that we may set off against any such Affiliated Accounts to the extent permitted by applicable law and to the extent necessary to satisfy all ofyour debts and liabilities to us, however and whenever incurred or evidenced". Our records show your account ending in 0098 became overdrawn when electronic payments from Active Hours, Inc., Gexa Energy, Advance America, ATT and checks you wrote presented for payment against an insufficient account balance. We returned each item unpaid and assessed the disclosed non-sufficient funds handling fee. On January 17th and 28th, 2016, we exercised our right of set off by transferring funds from your account ending in 3991 to satisfy the debt in account ending in 0098. After we exercised our right of set off, ATT presented a payment of $399.80 on February 4, 2016 against an insufficient account balance. We returned the item unpaid and assessed a NSF fee. We have enclosed a copy of your DDA Holds/Transactions History which outlines all transaction activity for the dates on which the non-sufficient funds (NSF) fee was assessed in the prior forty-five (45) day period. Also enclosed are copies of the NSF notices you received for the fee assessments. In an effort to resolve this matter amicably, we have processed refunds totaling $136.00 to your account ending in 0098. Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet Banking.
Regarding complaint # [redacted] Has been resolved Thank you [redacted]
November 20, 2015To Whom It May Concern:We have not been provided with any details or explanation concerning the rejection from the consumer in order to tender a response.Sincerely, [redacted] Real Time Service Center First Convenience Bank