First Community Bank

We regret that our response was not satisfactory, but reiterate that the issue has been resolved We will respond to complaints filed by our customer with other entities directly with those entities Thank youTell us why here

Re: [redacted] Please accept this as our response to the complaint noted above The issue noted in your letter was resolved with the customer on February 17, In summary, the customer contacted the branch on February 16, and the branch reversed the service charges and the account was closed at that time The issue noted was resolved per the desired outcome Thank you for your letter.Sincerely, [redacted] Regulatory Complaince Officer

Please accept this as our response to the complaint noted aboveThe issue noted in your letter wasresolved with the customer on November 26, In summary, the branch that the customercontacted was having telecommunications issues that left them unable to place outbound callsThecustomer's letter dated November 19, was received and the issue noted was corrected per thedesired outcomeThank you for your letter.Sincerely, [redacted] * [redacted] Regulatory Compliance Officer

Please accept this as our response to the complaint noted aboveIn summary, the customer contacted the branch on September 20, claiming a fraudulent charge on his account that resulted in an overdraft feeThe charge was determined to be legitimate and the merchant refunded the charge after the customer returned leased equipmentWe are working with the customer to resolve the issueThank you for your letter

Please accept this as our response to the complaint ID# [redacted] The issue that Ms [redacted] described setting up electronic bill pay clients has been reviewed with our service provider, *** In summary, six of the bills are eligible to be paid electronically and have been set up to do so Three of these bills were set up at the time of the complaint, and three have been set up upon review by *** Of the three added during review, our service provider noted that each failed to add initially due to errors in the information submitted such as extra spaces or incorrect remittance addresses The remaining bills are not currently available for electronic bill pay although [redacted] does add new vendors frequently Thank you for your letter[redacted] ***Community Banking Manager

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Please accept this as our response to the complaint noted aboveThe issue noted in your letter was resolved with the customer on December 4, In summary, branch management received a call from our Client Contact Center on December 4, regarding complaint The charge was refunded
by the merchant and our branch personnel refunded the overdraft charge as a courtesy to our customerThe issue noted was resolved per the desired outcomeThank you for your letter

An employee at *** reviewed the notes on the customer’s account, she was assisted by customer support supervisor *** at ***. The customer inquired as to why her payment on 2/went out as a check payment*** informed her of the estimated arrival date and how to verify if the check had cleared. The payment was scheduled on 12/23/to process on 2/2/2018. The payee, ***, was updated to an electronic payment method on 1/after the customer entered a Payee Change Request to update the payee to electronic. Since the payee was a check payee at the time the payment was scheduled, the payment processed out as a check.The Branch Leader at the *** off contacted the customer to place a stop payment on the check and waived the fee. The customer will then be able to submit a new payment to go electronically. *** ***Community Banking Manager*** * *** ***
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* *** *** ***
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Please accept this as our response to the complaint noted above This issue noted in your letter was resolved with the customer on February 5, In summary, the loan payment made on January 29, by the customer was insufficient for payoff The remaining deficiency
was cleared up by the customer on February 4, 2016, two days after the complaint was filed We have notified the customer's flood insurance carrier of the loan payoff The issue noted was resolved per the desired outcome Thank you for your letter.Sincerely,*** ** ***Regulatory Compliance Officer

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
At the beginning of this year, when using the bill paying application within First Community Banks online banking, a payee was set up for *** and this program immediately came back as a checkI inquired at the time to have this set up as electronicResearch was completed and it did indicate ELECTRONICHowever, it was set up as *** *** not *** which is there corporate headquartersTherefore, when a payment was scheduled, the payment automatically switched to check and the payment has not been cashedMy response to *** at FCB was to research the paymentThe reason the phone number is set up on the payee is for the banks purpose to research checks when consumers have issuesHowever, *** who does not represent the whole bank, is bypassing any resolution to the issue and bypassing responsibility for the set up completed by FCBI do not appreciate someone responding with non resolution responsesThe issue is not resolved and I would like this resolved

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am partially satisfied with the resolution, since it indicates that they did close the account and reverse the charges.  However, the resolution states that I contacted the branch on February 16. Rather, I sent an email on the 15th, (which they probably received on the 16th, since the 15th was a holiday). If the issue was "resolved with the customer," as they stated, on the 17th, they DID NOT send a return email or a call or letter advising me of such. As far as I knew, a week later, when I contacted Revdex.com, the issue was unresolved.The resolution offered does not indicate that I was cleared of any disreputable credit reporting. It also offers no apology, which, though not critical to the issue, would have been a civil gesture.I do intend to call the branch, which contacted me late yesterday, to find out the nature of the call.
Regards,
[redacted]

Please accept this as our response to the complaint ID# [redacted].  The issue that Ms. [redacted] described setting up electronic bill pay clients has been reviewed with our service provider, [redacted].  In summary, six of the bills are eligible to be paid electronically and have been set up to...

do so.  Three of these bills were set up at the time of the complaint, and three have been set up upon review by [redacted].  Of the three added during review, our service provider noted that each failed to add initially due to errors in the information submitted such as extra spaces or incorrect remittance addresses.  The remaining bills are not currently available for electronic bill pay although [redacted] does add new vendors frequently.  Thank you for your letter.[redacted]Community Banking Manager

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 1[redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The business still hasn't rectified my issue. Nor did they respond to THIS complaint. My previous complaint was in regards to my balance being incorrect on the businesses online banking website, this complaint was about being signed up for OVERDRAFT SERVICE that I didn't asked to be signed up for. It goes to show how seriously these people take these complaints because apparently they don't take the time to read them. I have since filed a complaint with the [redacted] in the hopes of getting better service.
Regards,
[redacted]

I have reviewed the response offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]

We regret that our response was not satisfactory, but reiterate that the issue has been resolved.  We will respond to complaints filed by our customer with other entities directly with those entities.  Thank you. Tell us why here...

Re: [redacted]Please accept this as our response to the complaint noted above.  The issue noted in  your letter was resolved with the customer on February 17, 2016.  In summary, the customer contacted the branch on February 16, 2016 and the branch reversed the service charges and the...

account was closed at that time.  The issue noted was resolved per the desired outcome.  Thank you for your letter.Sincerely,[redacted]Regulatory Complaince Officer

Please accept this as our response to the complaint noted above. The issue noted in your letter wasresolved with the customer on March 7, 2016, In summary, the customer contacted the branch onMarch 4, 2016. The branch reversed the service charges and the account was closed on March 7,2016.Thank you...

for your letter.Sincerely,[redacted]Regulatory Compliance Officer

I reached out to [redacted] by telephone and email on Saturday the 3rd, I left a voice message at the telephone number that youprovided in the complaint, but I have not heard a response. I related my disappointment in the messagethat we had not provided better service. I also related...

that we followed the directions outlined in thecomplaint.First Community bank has followed the directions outlined in your December 29th letter. The $36overdraft fee has been reversed, which brought the account balance to zero. The account was closed.As mentioned on our telephone call, l'm sorry that we did not do a better job of service originally.Thank you very much for bringing to my attention.Sincerely, [redacted]City ExecutiveFirst Community Bank[redacted]

Please accept this as our response to the complaint noted above. In summary, the customer contacted the branch on September 20, 2016 claiming a fraudulent charge on his account that resulted in an overdraft fee. The charge was determined to be legitimate and the merchant refunded the charge after...

the customer returned leased equipment. We are working with the customer to resolve the issue. Thank you for your letter.

Please accept this as our response to the complaint noted above. The issue noted in your letter wasresolved with the customer on November 26, 2014. In summary, the branch that the customercontacted was having telecommunications issues that left them unable to place outbound calls. Thecustomer's...

letter dated November 19, 2014 was received and the issue noted was corrected per thedesired outcome. Thank you for your letter.Sincerely,[redacted]. [redacted]Regulatory Compliance Officer