First Financial Bank

Dear
[redacted]:
This
letter is in response to your 2nd complaint sent to the RevDex.com. Per your prior letter it was stated you had not received
notification of the increase in the property tax bill until after the bills had
been paid for 2015.  You also expressed
concern the seller only paid $1,000 towards the 2014 property tax bill at the
closing.  The response from First
Financial Bank included the following:
Before any
loan closing, the Settlement Agent reviews the County Property tax records to
determine what the current tax bill is and whether it has been paid.  The amount they supply to us is how we
determine what the monthly tax escrow will be. 
We add the total tax bills for the property and divide them by 12 to
determine the monthly tax amount.   Our
records show at the time of the loan closing, the property tax bill was $605.07
per half.   This is the amount we based
our monthly tax escrow as the county had not yet released the tax bill due
February 2015.  In section (I) of your
contract with the sellers it states they will pay “Prorations for taxes,
assessments, and similar items will be based upon the figures available at the
time of closing”.  They paid the tax
proration based upon the current billing for a period of 1/1/14 thru 11/6/14,
which amounted to a tax proration credit of $1,024.47. 
The county
assessed your property and revised the tax bill in January 2015, which occurred
after the closing on your property.  We
are required to pay the tax bill to avoid any penalties or liens on your
property.   Mortgage loan escrow analyses
are done on a yearly basis based upon your first payment date.  Your escrow analysis was done on October 15,
2015 with an effective date of December 1, 2015 in accordance with RESPA and
all Federal and State requirements. 
As
a bank, we strive to deliver high-quality service to all of our clients we look
forward to ensuring that we deliver the best possible options available. We
apologize for the inconvenience and concern that this situation caused
you. 
If you have any questions on this matter, please feel free to contact
me directly at [redacted] or you may contact our Client Service Center at
(877) 322-9530. Thank you again for bringing this matter to our attention. We
appreciate your interest in letting us know how we might better serve our
clients and look forward to better serving you on your path to success.
Sincerely,
Steve W[redacted]
Assistant Vice President
Compliance Specialist
255 East Fifth Street
Cincinnati, OH 45202
Office:  [redacted]
Stephen.w[redacted]@bankatfirst.com

Dear [redacted],
First and most importantly, I want to thank
you for...

taking the time to reach out to First Financial Bank about your
concerns. Your feedback gave us the opportunity to explore our relationship
with you, and how your challenge with your mortgage payment could help us learn
how to be more effective in serving all of our clients.
Our records show the payment of $2,064.43 was
debited from [redacted] Bank on July 1, 2015 as originally scheduled and
returned by [redacted] for an unknown account number. The account number
included a leading zero, which is the reason [redacted] returned the funds on July
3, 2015. At that time, you were assessed a $20.00 returned payment
fee. We have since waived the $20.00 fee and it has been credited back to your
account on July 28, 2015.
On July 10th, First Financial
pulled two payments in the amount of $2,064.43 in error. On July 15th,
one payment in the amount of $2,064.43 was reversed and credited back to
[redacted] Bank. Your next automatic payment is scheduled for August 1, 2015.
As a bank, we strive to deliver high-quality
service to all of our clients. We apologize for the inconvenience and concern
that this situation caused you. 
If you have any questions on this matter,
please feel free to contact me directly at [redacted] or you may contact
our Client Service Center at (877) 322-9530. Thank you again for bringing this
matter to our attention. We appreciate your interest in letting us know how we
might better serve our clients and look forward to better serving you on your path
to success.
 
Sincerely,
 
Lauren H[redacted]
Client Service Center Assistant Manager
First Financial Bank

Review: I applied for a payday loan online. I got a called from ###-###-#### saying that my loan application was approved for the loan amount I requested. the guy (had an [redacted]) said his name is [redacted] and all I needed to do was to show I had my 1st monthly payment by purchasing a green dot money pack. I did on 12/**/2013 and gave him my pin#. he called my cell and left me a msg to call, when I returned his call he said I needed to purchase another money pack with the same amount. I did again on 12/**/2013 but I found it strange that when I gave him the pin# he had me on hold for 30mins-1hour. I hanged up and called but got no answer. I kept calling, calling and calling. I finally called the money pack company to hold that 2nd money pack and to refund me back. I asked for the 1st money pack but they said it was already deposited into an account. they also said that they would report that account. I then went to my bank and changed my checking account.Desired Settlement: $165+$4.95=$169.45