First Community Bank

Please accept this as our response to the complaint noted above.  The issue noted in your letter was resolved with the customer on December 11, 2017.   The issue noted in the email dated December 7, 2017  was corrected per the desired outcome.  Thank you for...

your email.

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me.  it has been taken care of, andi would like to thank you for checking into this matter. seems like I could not get a response from anyone there until I got you on the case. again, thank you.    [redacted]Regards,[redacted]

Review: I opened an account with first community bank and was not advised the fees of what ever the 16.00 is for when contacting the bank anout this matter someone called me stating they were over the branch in [redacted] and told me they would refund all the fees monday feb 7, 2016 and that morning I made a 100 deposit as I was ask to I was told to keep a minumum balance of 100.00 in my bank account the lady that took my deposit at the drive through said my account was negative 16.00 so all the fees was not refunded I was previously told by someone at the branch I was overdrawn I ask why I was advised that there was a 16.00 fee on my account that overdrawn my account 36.00 fee for going over the guy over the branch called me and said he would refund all the fees and did not do so and would not return my calls as I had left a message twice I been treated very bad I went to cash a check and they refused to assist me stating they were closing my account I had already opened another account because they would not return my calls and trying to rip me off and take advantage of me with these fees but im sure they will answer this in some way to try to justify themselves.

Business

Response:

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

Consumer

Response:

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,

Review: This bank took over my second mortgage from a bank that closed. In this transfer they lost my current address and sent statements to my ex husband who is no longer affiliated with this mortgage at an old address of mine that he never lived at. They also claimed they did not receive the info [redacted] Bank previously had and wouldn't release info to me stating I was the the primary person on the acct. despite all bills being paid by me for the last five years. I resubmitted all necessary documents and was told someone from the "special assets department" would review the requested changes. When I finally did get info on what was owed from my first statement with them it was three times my normal payment! The only communication from them I received was that it was an error they found in an audit and they were now calculating interest differently than [redacted] Bank. Akeem in mind this is an interest only, adjustable rate mortgage and I had no idea if this would be the new payment every month or just one time. In many emails I was never given a straight answer and was told it would just be added on to the back end of my mortgage. At this time they would not even release a tax statement for my tax preparation after several months of communication. I was never told the correct amount until someone from collections called me telling me what I owed for what month. All of a sudden, with no communication I started receiving statements, however, I never got an end of year tax statement until May. This all began in 2012 and now, almost July I still have had no communication as to how this "error in calculating interest" came about and what the amount was! In the meantime my credit has been affected. In twenty years of credit history I have never had a late payment reported. I would be happy to provide proof of this. I cannot fathom how a bank can make so many errors and punish the consumer without any repercussion on their part. I would like a letter sent to me and all credit bureaus stating these issues were their error. I also still need to know what additional fees were charged and why/how they came to that amount. Maddening how a company who failed to provide me with information to make my payment was quick to report late notices to the credit bureau WITHOUT EVER REsoLVING the issue!!Desired Settlement: A letter removing late payments from my credit score and another detailing amounts added to my mortgage after "an error was detected in an audit" with details and dollar amounts.

Business

Response:

Please accept this as our response to the complaint filed by [redacted]. We have been working with Ms. [redacted] to resolve the issues noted in her letter. As part of our efforts, we had requested additional information from her which we have received this week. We anticipate that the concerns noted by Ms. [redacted] should be resolved presently. Should you have any further questions, please let me know.Sincerely,[redacted]Regulatory Compliance Officer

Consumer

Response:

I submitted documentation as requested from the business on the same day it was requested. I never received confirmation from all parties that it was received. In fact, I got a notice stating the individuals who were requesting it were out of the office until July 8th. I requested a current status via email on July 22 and have not heard any response. Last I heard they were working to resolve my issues but have had No communication since. This has been a pattern where they state someone is taking care of it but they never truly do...

Business

Response:

We have corrected issues noted in her complaint to her satisfaction, per her response to our direct communication to her.

Review: My checking account was purchased by First Community Bank from [redacted]. Prior to it being transferred to First Community Bank an unauthorized ACH transaction of $30 posted to my account. Upon contacting the [redacted] and notifying them an investigation was done that confirmed the transaction was invalid. After my account was transferred the ACH transaction posted again to First Community Bank.

The transaction posted November 13, 2014 and it overdrew my account and a Paid Item Fee of $36 was charged to the account by First Community Bank. On November 14, 2014 I contacted the Bank using their online message service and was told I had to contact a local branch and in particular [redacted]. On Friday, November 13 I called twice and left a message and received no return call. On Monday 17, 1014 I called the branch and explained the problem. The agent told me that she would send emails and give me a call back. I received no return calls.

I wrote a letter November 19, 2014. I provided the bank with a copy of the [redacted] decision on the matter. It is seems impossible to reach people at this bank and my account has been overdrawn since November 13, 2014.Desired Settlement: Return the unauthorized transaction as [redacted] did and refund the overdraft fee.

Business

Response:

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]Regulatory Compliance Officer

Review: First Community Bank enrolled my account in an Overdraft Protection plan without my approval and they now refuse to refund a fee the charged for my account being overdrafted when the transaction should have actually been declined. My issue is actually with the [redacted] Branch not the [redacted]Desired Settlement: I would like for my checking account balance at FCB to be zero so that my checking account can be closed. I currently have a negative $36 balance because they refuse to remove the fee. I deposited the $35 for the transaction that was approved that they should have declined. When my account was [redacted] if I did not have the funds the online payment transactions I make would be declined.

Business

Response:

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]

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], 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,

Review: I got a loan through this bank and have paid it off, now I'm having trouble getting the deed released and I also need them to fax the information to my insurance company. They won't even return my phone calls and when I do reach them on the phone all I get is a run around .Desired Settlement: I want my deed released and something sent to the floor insurance company stating the loan has been paid.

Business

Response:

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, 2016. In summary, the loan payment made on January 29, 2016 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,[redacted]Regulatory Compliance Officer

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. it has been taken care of, andi would like to thank you for checking into this matter. seems like I could not get a response from anyone there until I got you on the case. again, thank you. [redacted]Regards,[redacted]

Review: I am trustee for a trust which had a checking account with First Community Bank, through default, when [redacted] closed branches. Since the account was extraneous, and there were no branches nearby, I closed the account on December 2, 2015, at the [redacted] branch.

Shortly thereafter, I received a letter that the account was overdrawn. The letter gave me two options: either make a deposit (in a closed account??) or call customer service. When I called, the representative referred me to the branch. I called the branch and was informed that an interest payment of one penny had reopened the account automatically. The account then was charged a fee, which caused the overdraft.

I asked her to please close the account. I received a letter indicating that the overdraft fee had been cancelled, and the $.01 withdrawn, but instead of a closed account, another overdraft fee was charged, starting the whole cycle again.

I looked up contact information on the bank website, and sent an email on 2/15/16 explaining the situation. A week later, I have received no response, only a letter indicating that I have been turned over to collections; and threatening to notify credit bureaus.Desired Settlement: I would like First Community Bank to CLOSE the account, showing that the account was closed in good standing, and with a zero balance.

I would like their collections department to be informed that the overdraft was due to the bank's actions, not the customer's.

I would like to be cleared of any disreputable credit reporting.

I would like an apology from the bank for the time I have had to take, and the aggravation that I have experienced, trying to rectify this problem.

Business

Response:

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

Consumer

Response:

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,