First Hawaiian Bank.BankCard Center[redacted]November 26, 2014Mr. [redacted] [redacted] [redacted] [redacted]Re: Revdex.com Complaint ID# [redacted]Dear Mr. [redacted],We are in receipt of the follow up letter you submitted to the Revdex.com of Hawaii, Inc. on or around November 24, 2014, regarding your credit card account with us.We responded to your initial complaint in our letter dated November 20, 2014, and stated the reversal of the $60 Special Handling Fee and the $10 ContinuousOD Fee would be reflected on your December statement. Our records show a credit of $70, for the $60 Special Handling Fee and the $10 Continuous OD Fee, posted to your checking account on November 24, 2014.We trust that this resolves all of the issues in your follow up letter. Should you have any additional questions please contact me at ([redacted].Sincerely[redacted]Vice PresidentBankCard Center
Dear Mr. [redacted]:We are in receiptof the additional comments you submitted to the Revdex.com ("Revdex.com") (Complaint ID# [redacted]) on April 6, 2015, regardingyour attempt to apply for a loan through First Hawaiian Bank.As mentioned in our Consumer Financial Protection Bureau ("[redacted]") response letter dated March 31, 2015 ("[redacted] Response"), according to our records and the documents you provided,you received two denial letters dated May 12, 2014 and February 13, 2015. You had stated in our phone conversation on April 2, 201 5 that had you known about the credit card charge off reflected in our records in the first denial letter, you would not have applied a second time. As discussedin our phoneconversation, we agreed to submit a request to remove the second credit inquiry, which was done on April 2, 2015. Equifax will be updated with this change.In our [redacted] Response, we also explained that we had no cause to believe there was fraud on your credit card account due to our correspondence and application records.At your request, we further investigated your credit card fraud claim. We have determined that we can reasonably confirm your identity in relation to the cred it card account based on the following.(1) When we approved the credit card account in 1999, you went to our Waipahu branch on or around April 15, [redacted] and took a photo, at which time you were required to present a valid ID. This photo was added to
the credit card. The photo in our records matchesyour physical appearancebased on your visit to the University branch.The signature on your debit card application dated June 30, 2006 (connected to your checking account number [redacted]), matches the credit card application dated March 17, 1999.The social security number and date of birth from your credit report pulled to review all of your loan applications matched and was consistent with the information provided on each of the applications received, including the [redacted] credit card application and your checking account records.One of the addresses on file for the [redacted] credit card account matched an address in your cred it report which is listed as [redacted]The employer on file for the [redacted] credit card account is also reflected in your credit report which is listed as [redacted]We contacted you on November 6, [redacted] and January 13, 2000, and you also called us on March 21, 2000 to negotiate payment on the past due credit card account.For the foregoing reasons, we do not believe the [redacted] credit card account you were a joint account holder on was opened fraud ulently. We trust that this response fully addresses you r concerns.Sincerely,Lance K
Complaint: [redacted]
I am rejecting this response because: As I stated, the numbers dates and amounts have been adjusted to fit the means of the bank. This bank has stolen more than $130.00 in supposed insufficient funds fees. If you look at the amounts involved there was always enough in their processing system to cover all withdrawals but they choose to hold incoming deposits that are electronically deposited until after the funds are withdrawn. I don't much care that they stick to their dishonest claims. The public needs to be warned about their tactics.
Sincerely,
[redacted]
Dear Mr. [redacted],
We are in receipt of the complaint
you submitted to the Revdex.com (“Revdex.com”) (Complaint ID# [redacted]) on
March 18, 2015, regarding your attempt to apply for a loan through First
Hawaiian Bank. We also received a complaint through the [redacted]...
[redacted] (“[redacted]”) regarding the same issue (Case No. [redacted]) on
March 6, 2015. We responded to the [redacted] Complaint on March 31, 2015 and trust
that it addresses all of your concerns. Please contact me at [redacted] if you have any questions. Lance K[redacted]Assistant Vice PresidentFirst Hawaiian Bank, Consumer Service Center
First Hawaiian BankOctober 23, 2014[redacted] Dr. [redacted], ** [redacted]Re: Revdex.com of Hawaii (Case# [redacted])Dear Mr. [redacted]:We received your emailed letter to the Revdex.com dated October 17, 2014.In your...
letter, you described being assessed special handling charges as a result items presented to your account before your deposits are made. Please be assured that all items, debits or credits, are posted to accounts on the same day they are presented to First Hawaiian Bank. I have researched your account and the following is a recap:On October 1, 2014: your beginning balance was $1.35.Funds Transfer to eBay -$16.62Funds Transfer to USAA -$20.00-$35.27- Ending balanceOn October 2, 2014: Direct deposit from USAA +15.00Two Special Handling charges for the 2 FTs above -$60.00-$80.27- Ending balanceOn October 6, 2014: Direct deposit from Amazon +$75.37-$4.90You emailed FHB to close your account. We credited. +4.90-0-On October 7, 2014: Funds Transfer Capital One -$60.00 (returned)On October 8, 2014: Direct deposit from Half.com $6.63Check mailed to you -$6.63-0-No other charges were assessed to your account. We hope that this has been helpful to you. Sincerely,[redacted]Vice President
Of course I have documentation to support my complaint. I have the letter attached from [redacted] that states they will only credit my account $29.95 even though they told me they would help me get back 5 debit reversals of $29.95 each. I have also attached my response to Fhb, which is very similar to what I stated. I have since gotten [redacted] to debit back more, however I am still owed quite a bit of money. I have also found out, from those I have communicated with, that my bank is the only one not to help their client. As I stated before this company is being taken to task by the Federal Trade Commission for $22 million dollars and I attached docs to prove it.
First Hawaiian Bank.BankCard Center[redacted]November 26, 2014Mr. [redacted] [redacted] [redacted] [redacted]Re: Revdex.com Complaint ID# [redacted]Dear Mr. [redacted],We are in receipt of the follow up letter you submitted to the Revdex.com of Hawaii, Inc. on or around November 24, 2014, regarding your credit card account with us.We responded to your initial complaint in our letter dated November 20, 2014, and stated the reversal of the $60 Special Handling Fee and the $10 ContinuousOD Fee would be reflected on your December statement. Our records show a credit of $70, for the $60 Special Handling Fee and the $10 Continuous OD Fee, posted to your checking account on November 24, 2014.We trust that this resolves all of the issues in your follow up letter. Should you have any additional questions please contact me at ([redacted].Sincerely[redacted]Vice PresidentBankCard Center
Dear Mr. [redacted]:We are in receiptof the additional comments you submitted to the Revdex.com ("Revdex.com") (Complaint ID# [redacted]) on April 6, 2015, regardingyour attempt to apply for a loan through First Hawaiian Bank.As mentioned in our Consumer Financial Protection Bureau ("[redacted]") response letter dated March 31, 2015 ("[redacted] Response"), according to our records and the documents you provided,you received two denial letters dated May 12, 2014 and February 13, 2015. You had stated in our phone conversation on April 2, 201 5 that had you known about the credit card charge off reflected in our records in the first denial letter, you would not have applied a second time. As discussedin our phoneconversation, we agreed to submit a request to remove the second credit inquiry, which was done on April 2, 2015. Equifax will be updated with this change.In our [redacted] Response, we also explained that we had no cause to believe there was fraud on your credit card account due to our correspondence and application records.At your request, we further investigated your credit card fraud claim. We have determined that we can reasonably confirm your identity in relation to the cred it card account based on the following.(1) When we approved the credit card account in 1999, you went to our Waipahu branch on or around April 15, [redacted] and took a photo, at which time you were required to present a valid ID. This photo was added to
the credit card. The photo in our records matchesyour physical appearancebased on your visit to the University branch.The signature on your debit card application dated June 30, 2006 (connected to your checking account number [redacted]), matches the credit card application dated March 17, 1999.The social security number and date of birth from your credit report pulled to review all of your loan applications matched and was consistent with the information provided on each of the applications received, including the [redacted] credit card application and your checking account records.One of the addresses on file for the [redacted] credit card account matched an address in your cred it report which is listed as [redacted]The employer on file for the [redacted] credit card account is also reflected in your credit report which is listed as [redacted]We contacted you on November 6, [redacted] and January 13, 2000, and you also called us on March 21, 2000 to negotiate payment on the past due credit card account.For the foregoing reasons, we do not believe the [redacted] credit card account you were a joint account holder on was opened fraud ulently. We trust that this response fully addresses you r concerns.Sincerely,Lance K
Complaint: [redacted]
I am rejecting this response because: As I stated, the numbers dates and amounts have been adjusted to fit the means of the bank. This bank has stolen more than $130.00 in supposed insufficient funds fees. If you look at the amounts involved there was always enough in their processing system to cover all withdrawals but they choose to hold incoming deposits that are electronically deposited until after the funds are withdrawn. I don't much care that they stick to their dishonest claims. The public needs to be warned about their tactics.
Sincerely,
[redacted]
see attached
Dear Mr. [redacted],
We are in receipt of the complaint
you submitted to the Revdex.com (“Revdex.com”) (Complaint ID# [redacted]) on
March 18, 2015, regarding your attempt to apply for a loan through First
Hawaiian Bank. We also received a complaint through the [redacted]...
[redacted] (“[redacted]”) regarding the same issue (Case No. [redacted]) on
March 6, 2015. We responded to the [redacted] Complaint on March 31, 2015 and trust
that it addresses all of your concerns. Please contact me at [redacted] if you have any questions. Lance K[redacted]Assistant Vice PresidentFirst Hawaiian Bank, Consumer Service Center
Please see attached response.
First Hawaiian BankOctober 23, 2014[redacted] Dr. [redacted], ** [redacted]Re: Revdex.com of Hawaii (Case# [redacted])Dear Mr. [redacted]:We received your emailed letter to the Revdex.com dated October 17, 2014.In your...
letter, you described being assessed special handling charges as a result items presented to your account before your deposits are made. Please be assured that all items, debits or credits, are posted to accounts on the same day they are presented to First Hawaiian Bank. I have researched your account and the following is a recap:On October 1, 2014: your beginning balance was $1.35.Funds Transfer to eBay -$16.62Funds Transfer to USAA -$20.00-$35.27- Ending balanceOn October 2, 2014: Direct deposit from USAA +15.00Two Special Handling charges for the 2 FTs above -$60.00-$80.27- Ending balanceOn October 6, 2014: Direct deposit from Amazon +$75.37-$4.90You emailed FHB to close your account. We credited. +4.90-0-On October 7, 2014: Funds Transfer Capital One -$60.00 (returned)On October 8, 2014: Direct deposit from Half.com $6.63Check mailed to you -$6.63-0-No other charges were assessed to your account. We hope that this has been helpful to you. Sincerely,[redacted]Vice President
Of course I have documentation to support my complaint. I have the letter attached from [redacted] that states they will only credit my account $29.95 even though they told me they would help me get back 5 debit reversals of $29.95 each. I have also attached my response to Fhb, which is very similar to what I stated. I have since gotten [redacted] to debit back more, however I am still owed quite a bit of money. I have also found out, from those I have communicated with, that my bank is the only one not to help their client. As I stated before this company is being taken to task by the Federal Trade Commission for $22 million dollars and I attached docs to prove it.