Complaint ID [redacted] On August 10, 2017, the client called First Kentucky and spoke with our Call Center He indicated that he was missing $in his checking account and that he believed our bank had been stealing money from him for years but never this much at once The client said he only uses the First Kentucky Mobile App, never keeps a check register, balances his account in his head with the App, and has never seen any suspicious or fraudulent transactions on his statement.He said the last time he agreed with the bank’s balance was on 7/28/when his payroll was deposited, but even then he showed a difference of about $ He said he wished he could prove it but he couldn’t The client said he had been off $ before but never $ Our Call Center Representative attempted to explain situations that could alter his balance such as a check that hasn’t cleared, pay at the pump gas purchases authorized for $1.00, or payments made either online or by phone The client said he always deducts out of the balance in his head when he writes a check We asked this customer to come in to the bank so that he could show us what he was referring to; however, he acted like no matter what he told us, we would still prove him wrong The client indicates that on the night of August 9th, around 8:p.m., his balance was less than the bank’s balance by an estimated $ On the morning of August 10th, he estimated the deficit grew to $with no deductions He then lists the disputed amount at $268.93.Our records indicate that three items totaling $were presented on the night of 8/at 9:20, 10:20, & 10:which was after he checked his balance via the mobile app In addition, he had a fourth item to memo on the morning of 8/ There do not appear to be any unauthorized charges to his accountThe client, by his own admission, does not keep a register of his accountIt is impossible for us to assist him in reconciling against a register that does not exist
A deposit of what appeared to be a $2,cashier's check was made into the checking account at First Kentucky Bank on Tuesday, December 20, at 3:p.mThe deposit was received after the bank's daily cutover to the next business day; therefore, the deposit was credited to the account and
the check was processed as an outgoing item for collection on Wednesday, December The deposited item was drawn on the *** *** in Los Angeles, CaliforniaThe *** *** made the determination that the check was fraudulent and returned itFirst Kentucky Bank received the returned item on Tuesday, December 27, three business days after it was depositedBoth banks processed the item in a timely manner, consistent with regulatory requirementsWhen First Kentucky received the check as a returned item on December 27, the balance in the checking account was not sufficient to cover itTherefore, a hold was placed on the account for the amount of the check and the customer was contactedWhen accounts are opened at First Kentucky, customers are provided various required disclosures and the terms and conditions that will govern the accountIn regard to deposited items, the terms and conditions state that provisional credit is given for these items and that the bank may reverse the credit for items that are returned by the paying bankThe customer signed the account agreement on September 12, 2016, acknowledging that he received a copy of the terms and conditions, as well as other disclosures, and that he agreed to their termsIn an effort to work with the customer to repay the amount owed, a repayment plan was drafted that would enable him to make monthly payments to repay the amount owed over four yearsNo interest would be charged on the amount owed and additional payments may be made, if desiredThe customer signed the repayment agreement on January 25,
Revdex.com:
I have reviewed the response 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.The bank never contacted me. I had to contact them. They didn't even offer a solution to help me in a way that cost them money. They only required me to pay it back. They will not get my business again, for certain. They never gave an option to spend the money either. They simply debited my account with no contact. They never called me to tell me it was fraudulent.
Regards,
[redacted]
Revdex.com:
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,
[redacted]
Complaint ID [redacted]On August 10, 2017, the client called First Kentucky and spoke with our Call Center. He indicated that he was missing $200 in his checking account and that he believed our bank had been stealing money from him for years but never this much at once. The client said...
he only uses the First Kentucky Mobile App, never keeps a check register, balances his account in his head with the App, and has never seen any suspicious or fraudulent transactions on his statement.He said the last time he agreed with the bank’s balance was on 7/28/17 when his payroll was deposited, but even then he showed a difference of about $50. He said he wished he could prove it but he couldn’t. The client said he had been off $0.05 before but never $200. Our Call Center Representative attempted to explain situations that could alter his balance such as a check that hasn’t cleared, pay at the pump gas purchases authorized for $1.00, or payments made either online or by phone. The client said he always deducts out of the balance in his head when he writes a check. We asked this customer to come in to the bank so that he could show us what he was referring to; however, he acted like no matter what he told us, we would still prove him wrong. The client indicates that on the night of August 9th, around 8:30 p.m., his balance was less than the bank’s balance by an estimated $144.00. On the morning of August 10th, he estimated the deficit grew to $200 with no deductions. He then lists the disputed amount at $268.93.Our records indicate that three items totaling $174.31 were presented on the night of 8/9 at 9:20, 10:20, & 10:31 which was after he checked his balance via the mobile app. In addition, he had a fourth item to memo on the morning of 8/10. There do not appear to be any unauthorized charges to his account. The client, by his own admission, does not keep a register of his account. It is impossible for us to assist him in reconciling against a register that does not exist.
Complaint ID [redacted] On August 10, 2017, the client called First Kentucky and spoke with our Call Center He indicated that he was missing $in his checking account and that he believed our bank had been stealing money from him for years but never this much at once The client said he only uses the First Kentucky Mobile App, never keeps a check register, balances his account in his head with the App, and has never seen any suspicious or fraudulent transactions on his statement.He said the last time he agreed with the bank’s balance was on 7/28/when his payroll was deposited, but even then he showed a difference of about $ He said he wished he could prove it but he couldn’t The client said he had been off $ before but never $ Our Call Center Representative attempted to explain situations that could alter his balance such as a check that hasn’t cleared, pay at the pump gas purchases authorized for $1.00, or payments made either online or by phone The client said he always deducts out of the balance in his head when he writes a check We asked this customer to come in to the bank so that he could show us what he was referring to; however, he acted like no matter what he told us, we would still prove him wrong The client indicates that on the night of August 9th, around 8:p.m., his balance was less than the bank’s balance by an estimated $ On the morning of August 10th, he estimated the deficit grew to $with no deductions He then lists the disputed amount at $268.93.Our records indicate that three items totaling $were presented on the night of 8/at 9:20, 10:20, & 10:which was after he checked his balance via the mobile app In addition, he had a fourth item to memo on the morning of 8/ There do not appear to be any unauthorized charges to his accountThe client, by his own admission, does not keep a register of his accountIt is impossible for us to assist him in reconciling against a register that does not exist
A deposit of what appeared to be a $2,cashier's check was made into the checking account at First Kentucky Bank on Tuesday, December 20, at 3:p.mThe deposit was received after the bank's daily cutover to the next business day; therefore, the deposit was credited to the account and
the check was processed as an outgoing item for collection on Wednesday, December The deposited item was drawn on the *** *** in Los Angeles, CaliforniaThe *** *** made the determination that the check was fraudulent and returned itFirst Kentucky Bank received the returned item on Tuesday, December 27, three business days after it was depositedBoth banks processed the item in a timely manner, consistent with regulatory requirementsWhen First Kentucky received the check as a returned item on December 27, the balance in the checking account was not sufficient to cover itTherefore, a hold was placed on the account for the amount of the check and the customer was contactedWhen accounts are opened at First Kentucky, customers are provided various required disclosures and the terms and conditions that will govern the accountIn regard to deposited items, the terms and conditions state that provisional credit is given for these items and that the bank may reverse the credit for items that are returned by the paying bankThe customer signed the account agreement on September 12, 2016, acknowledging that he received a copy of the terms and conditions, as well as other disclosures, and that he agreed to their termsIn an effort to work with the customer to repay the amount owed, a repayment plan was drafted that would enable him to make monthly payments to repay the amount owed over four yearsNo interest would be charged on the amount owed and additional payments may be made, if desiredThe customer signed the repayment agreement on January 25,
Revdex.com:
I have reviewed the response 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.The bank never contacted me. I had to contact them. They didn't even offer a solution to help me in a way that cost them money. They only required me to pay it back. They will not get my business again, for certain. They never gave an option to spend the money either. They simply debited my account with no contact. They never called me to tell me it was fraudulent.
Regards,
[redacted]
Revdex.com:
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,
[redacted]
Complaint ID [redacted]On August 10, 2017, the client called First Kentucky and spoke with our Call Center. He indicated that he was missing $200 in his checking account and that he believed our bank had been stealing money from him for years but never this much at once. The client said...
he only uses the First Kentucky Mobile App, never keeps a check register, balances his account in his head with the App, and has never seen any suspicious or fraudulent transactions on his statement.He said the last time he agreed with the bank’s balance was on 7/28/17 when his payroll was deposited, but even then he showed a difference of about $50. He said he wished he could prove it but he couldn’t. The client said he had been off $0.05 before but never $200. Our Call Center Representative attempted to explain situations that could alter his balance such as a check that hasn’t cleared, pay at the pump gas purchases authorized for $1.00, or payments made either online or by phone. The client said he always deducts out of the balance in his head when he writes a check. We asked this customer to come in to the bank so that he could show us what he was referring to; however, he acted like no matter what he told us, we would still prove him wrong. The client indicates that on the night of August 9th, around 8:30 p.m., his balance was less than the bank’s balance by an estimated $144.00. On the morning of August 10th, he estimated the deficit grew to $200 with no deductions. He then lists the disputed amount at $268.93.Our records indicate that three items totaling $174.31 were presented on the night of 8/9 at 9:20, 10:20, & 10:31 which was after he checked his balance via the mobile app. In addition, he had a fourth item to memo on the morning of 8/10. There do not appear to be any unauthorized charges to his account. The client, by his own admission, does not keep a register of his account. It is impossible for us to assist him in reconciling against a register that does not exist.