First National Bank Texas

The attached response was mailed to your office on May 1,

March 20, [redacted] Re: Revdex.com Case # [redacted] Dear Ms [redacted] : It was my pleasure to speak with you today to address the concerns you outlined in your letter to the Revdex.comI am sorry you were inconvenienced when you experienced difficulty when using your debit card but appreciate your understanding our actions were necessary to protect your account from suspected unauthorized activityAs part of our ongoing efforts to prevent unauthorized debit card transactions from adversely impacting a customer's account, we have anomaly detection processes that will cause merchant payment presentments to be declined when the transaction being presented is consistent with activity previously identified as being unauthorized or is related to a debit card included in a breached card notification reportIn such cases, the transaction will be declined by our processor and will not always be reflected in the transaction detail readily available to our Customer Support teamWe found that to be the case on March 9, when we declined payment for a point-of-sale (POS) transaction originating from [redacted] Unfortunately, when you contacted us about that transaction, we did not take the proper steps to consider all possibilities before responding to your inquiry and will address this shortcoming in trainingAs discussed, to reduce the risk of future transactions being declined when you are traveling, if you provide advance notice of the dates and locations of your trip, we will notate your account record so this information is considered in our transaction anomaly evaluation processesAt the conclusion of the call you stated you were satisfied with the resolution and asked about the process to notify the Revdex.com your complaint had been resolvedShould you have additional questions, you may call Customer Support, send us an Online Banking Secure Message, or visit our website to participate in Live Chat or to complete a Feedback FormSincerely, [redacted] Support Operations CC: Revdex.com

Dear Ms [redacted] : We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to respond to your concernsWe show that you have filed four separate claims involving three different debit cards since May 28, In all four of the claim interviews you said you did not keep the PIN with the cardYou also acknowledged you had given [redacted] your authorization to complete an ATM withdrawal with debit card ending in ***On claim number ending in [redacted] you listed [redacted] as a suspectNo suspects were listed on the other three claims During three of the claim interviews you said the card was in your possession when the unauthorized transactions were conductedOn claim number ending in [redacted] you stated your card was stolen but the PIN was not kept with the card Our investigation determined that all claimed transactions were completed with the correct PINAdditionally, we noted no irregularities in amount or location between the disputed transactions and the transactions you said you had completed or that were reflected in your account historyIn many cases we found a disputed transaction proceeded or occurred between transactions you said you conductedEach claim was denied based on these discrepancies You have filed police reports on two of the four cases you opened with us and have shared those case numbers with usWe have been in contact with the detective assigned those cases and will continue to cooperate with law enforcement while their investigation is ongoingBased on information received from the detective today, we are re-opening case number ***You will be given written notification if we grant provisional credit or take other actions regarding this case The decision to close your account and end your banking relationship with us was made in accordance with Section of the Deposit Agreement governing the accountThis section states "We reserve the right to close your account at any time for any reason."

Complaint: [redacted] Notice of Default.Dear [redacted] , Thank you for your correspondence.It must be noted that you have not rebutted any of the points made in the previous complaintTherefore this constitutes you and your banking institution's permanent and irrevocable agreement that:You are operating in bankruptcy and are subject to the federal UCC laws which are true and not invalidFederal Reserve Notes are your obligation and the obligation of the United States to be reported to the IRSYou cannot validate any debt owed to youBy attempting to collect a debt, you are in violation of U.S.C§ and 1692g because you report invalid and claims to credit bureausYou are attempting to enforce a void contract (promissory note) by claiming to be the holder in due course when you are notNeither the bank nor its representatives have a signature on the promissory noteYou are attempting extort more "money-of-exchange" from me to "pay" the outstanding negative (credit) "money-of-account" balance, when such debt cannot be paid with money of exchange; this constitutes RICO.Please confirm in three days that this information is correct Regards, [redacted]

A division of First National Bank Texas lstcb.com December 15, [redacted] Re: Revdex.com Case # [redacted] Dear [redacted] : I am in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsWhen an account is opened, written disclosures are provided so that each customer has all information necessary to understand both the bank's and the customer's responsibilities in the banking relationshipIncluded in this documentation is a section of information entitled "What You Need to Know about Overdrafts and Overdraft Fees" along with the Banking Services brochure which outlines all other account related service feesThe internet banking account overview provides both the current and available balance and the account detail will reflect any pending transactions for the current calendar dayWe pay items presented for payment based on your available balanceAvailable balance means the funds that are currently in your account for your withdrawal or to pay presenting debits to your accountYour available balance may change throughout the dayYour Debit Card is a convenient way to pay for goods and services, but these transactions impact your account available balance differently than checks and traditional ATM card transactionsEach time you use your Debit MasterCard®, a "hold" is placed on available funds in your AccountThese holds or pending transactions will remain on the account until (a) the charge is presented by the merchant and clears your Account or (b) up to a maximum of three (3) banking days, whichever is soonerFunds on hold are not available for withdrawals, payment of checks or other debitsIf the charge is not presented by the third (3rd) day, the "hold" is releasedHowever, a merchant has up to ninety (90) days to present a transaction for payment, so you should continue to carry the purchase amount as an outstanding item in your transaction registerJust because an item receives a hold and is authorized for payment does not guarantee that the item won't generate an overdraft fee when it clears your AccountIf other items are posted to your Account in the meantime and create a negative available balance, items with a hold may generate overdraft fees [redacted] *** [redacted] [redacted] *** [redacted] [redacted] 1stnb.com A division of First National Bank Texas 1stcb.com Your transaction history for December 5, shows that you authorized transactions totaling $against available funds of $On that date, one transaction was posted against an insufficient available balance and assessed a per-item overdraft feeA copy of the referenced DDA/Holds Transaction History has been enclosed for your reviewEven though fee assessment was in accordance with account disclosures, as a goodwill gesture we have credited a refund of $to the accountTo avoid unwanted fees going forward, never assume that items will pay in a specific order and always use your transaction record to keep track of your account balanceYou may also wish to consider enrolling in AccountTRANSFER Overdraft ProtectionThis product allows you to set aside funds in a "transfer from" account that is linked to your checking accountShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet BankingSincerely, [redacted] Senior Vice President Support Operations CC: Revdex.com Enclosure [redacted] *** [redacted] [redacted] *** [redacted] [redacted]

April 13, [redacted] Re: Better Business Bureau Case # [redacted] Dear [redacted] :We are in receipt of your letter to the Revdex.comAlthough your letter did not identify specific transactions about which you were concerned, after listening to the phone calls you placed to us on March 20th and March 25th, we hope the following addresses your concerns.When you receive an available balance Alert, the balance provided is a "snap shot" of the available balance at that point in timeYour Available Balance may change throughout the day and may not reflect all of your transaction activityTherefore, we recommend you maintain an accurate transaction monetary register and use that register to reconcile your records with our record of your posted transactionsWe also recommend as a best practice to wait until a deposit or credit is reflected in your posted balance before authorizing debits against the credit amount to prevent accidently overspending if that credit is not received.During your call on March 20th, you mentioned receiving an Alert giving your available balance of 'approximately $121.00' and stated [redacted] had been allowed access to your account without your authorizationWe are providing you with documents dated 3/16/and 3/17/and titled "DDA Holds/Transaction History" as we feel this is the activity to which you are alludingPlease note [redacted] initiated three pending credits on 3/16/15, temporarily increasing your available balanceOn 3/17/15, we received and posted final payment orders for two of these credits so surmise [redacted] determined the $to be a duplicate transaction and therefore did not send the final payment order for that amount to us for posting.During your call on March 25th you inquired about a [redacted] transaction for $ which when posted, overdrew your account and resulted in an overdraft fee [redacted] noted that a credit from [redacted] for the $was received the same day and outlined the merchant error process so this fee could be refundedIn a subsequent conversation with ***, [redacted] said he would submit an exception request for the fee refund without requiring this merchant error letter.On March 26th our calls went unanswered when we attempted to reach you by phone to tell you your exception request had been approved and an overdraft fee of $had been refunded to your accountSubsequently, you made a deposit to correct the remaining overdraft and closed your account.Even though your account is now closed, consumer protection laws still allow you to file an unauthorized claim on payment order debits you believe to be unauthorizedYou may do so by following the highlighted instructions shown on page of the enclosures.Sincerely, [redacted] Support OperationsCC: Revdex.com Enclosure (3)

April 2, [redacted] Re: Revdex.com Case # [redacted] Dear [redacted] ***: We are in receipt of your follcorrespondence to the Revdex.com concerning the above referenced caseAs stated in our letter dated March 9, 2015, your claim does not meet Regulation E requirements for reimbursement as there was no error and the transaction was authorized by youHowever, in an effort to assist you we initiated a chargeback of $to [redacted] Our records show you contacted us on March 19th requesting an update on the status of your claimWe reiterated to you that [redacted] has days (or by May 11th) to reject our chargeback entry of $Subsequently, [redacted] did reject this chargeback by providing the enclosed merchant receipt with your signature showing you presented your card and signed the authorization for $on February 26, Please find the enclosed letter dated March 30, showing the final status on your claimRegretfully, we have exhausted every option available to us to resolve your dispute with the merchantSincerely, [redacted] Support Operations CC: Revdex.com

Revdex.com: Sorry for the late response, I was sick and have been working long hours.I did receive their call and my husband talked to them The lady , [redacted] is so nice and very helpful We encountered some problems but they were resolllved I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me We have encountered another problem today regarding the card they sent us as areplacement to my husband's card, but he will try call again tomorrow and hopefully this will be resolved without me filing another complaint.I really do appreciate yourrr stepping in and assisted us Thank you very much Regards, [redacted]

February 23, [redacted] Re: Revdex.com Case #Dear [redacted] : We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to address your concernsWhen you opened your account, we provided you our Funds Availability Policy outlining when funds you deposit will be made available for your use and for the payment of presenting debitsFor days following January 22" ( the date you established your new customer relationship), your account is subject to special rules for new accounts to include "Funds from all other check deposits will be available no later than the ninth (9th) business day alter the business day of your deposit." After reviewing your account activity, we found that on January 26, you deposited check number *** in the amount of $The first $was made available to you in cash and the remaining $1,was held For seven business days as a new account depositThe next day in our post deposit review, we amended the hold amount to $1,309.00, and the hold period to nine business days as allowed by Regulation CCA notice of delayed availability (copy enclosed) was mailed to you outlining the amount held, the reason for the delay, and the date funds would be made availableWe show the delay period expired on February 6, and funds have been made available to youIn the future, should you require further information or assistance from us, we invite you to submit a Customer Feedback form through our website, participate in Live Chat or send a secure message through Internet BankingSincerely, [redacted] Assistant Vice President Support Operations CC: Revdex.com

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meRegards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

December 3, [redacted] Re: Revdex.com Case # [redacted] Dear [redacted] : It was a pleasure speaking with you by phone regarding your letter to the Revdex.comI am sorry that you did not receive the standard of customer service to which we aspire when you visited our branch to initiate the closure of your accountI have shared your feedback with District Manager [redacted] for appropriate actionWhile we are not able to close an account which has a negative available balance, upon receipt of your written acknowledgement, we can accelerate the account charge off processWhen this option is chosen, your account is assessed the collection fee of $49.00, charged off, and submitted to an agency for collectionIn our phone conversation, you elected not to accelerate the account charge off process at this time and agreed to make deposits until the account balance is brought to a zero balance or to good standingDuring our phone conversation, you inquired about your account negative balance but could not remain on the phone to discuss your account activityI have enclosed the DDA Holds/Transactions History which outlines all transaction activity for the dates on which overdrafts occurred on the account beginning October 26, Should you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form through our website, participate in Live Chat, or send a secure message through Internet Banking Sincerely, [redacted] Support Operations CC: Revdex.com Enclosures [redacted] *** [redacted] [redacted] *** [redacted] [redacted]

December 29, [redacted] Reference: Revdex.com Case # [redacted] Dear [redacted] ***: We are in receipt of your recent letter to the Revdex.com and it is our pleasure to respond to your concernsWhen you opened your account on March 22, you asked us to use our discretion to authorize and pay overdrafts on your ATM and everyday debit card transactionsOur records show that your account became overdrawn on October 9, when a debit card transaction for $presented for payment against an available balance of $and was paid by overdrawing your accountThe disclosed overdraft fee of $was assessedOn October 14th, when the account remained overdrawn for five consecutive banking days, the Negative Balance Fee was assessedOn November 4, you contacted us and alleged the following debit card transactions were unauthorized9/08/ $ First Nationa Kroger 09/09/ $ Bose Pymnt of 10/09/ $ Bose Pymnt of $We promptly opened an investigation and emailed you claim forms for your signatureOn December 9th you called us and spoke to one of our personal bankers who informed you that after your account had been overdrawn for days, the account had been charged off and was being placed with an agency for collectionYou made the assumption we had sold the overdraft to the collection agency despite repeated efforts from our personal banker to tell you otherwiseIn the disclosure provided you at account opening, we disclosed we can share your personal information for our everyday business purposes and that you could not limit this sharingOne of our everyday business purposes is the collection of any debt owed to usOn December 12, we spoke with you and obtained your Arkansas address and updated our records at that timeAlthough you had told us in previous calls you had recently moved to Arkansas, we failed to obtain an updated addressWe apologize for that [redacted] *** [redacted] [redacted] *** [redacted] [redacted] oversight and have enclosed copies of your account statements for September, October, November, and DecemberOn December 15th, we provided you written notice (copies enclosed) of the final disposition on your disputeYou may resolve the charged off balance of your account by remitting payment to First Convenience Bank, [redacted] ***Sincerely: [redacted] Encl(6) CC: Revdex.com Revdex.com Corporate Office [redacted] *** [redacted] [redacted] *** [redacted] [redacted]

Complaint: [redacted] I am rejecting this response because: I still have not received a resolution to this caseEvery time I call I get different information as to where it is in the process of being resolvedI need my money returned! Regards, [redacted] ***

March 3, [redacted] Re: Revdex.com Case # [redacted] Dear [redacted] ***: We are in receipt of your correspondence to the Revdex.comIt is frustrating when an unexpected fee is charged to your account so we appreciate the opportunity to respond to your concernsWhen you opened your account on August 20, 2013, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your accountIncluded in that packet were documents titled Welcome to the Family and Banking Services-Fee Schedule both of which disclosed your account would be charged $for each non-sufficient itemOur records do show that when we discussed with you the disclosure titled What You Need to Know about Overdrafts and Overdraft Fees, you indicated that you did not want us to authorized and pay overdrafts on any transaction typeThis means when an item is presented to us for payment and you do not have enough available funds in your account to pay it, the item will be returned as non-sufficient funds (NSF) and the NSF per item fee assessedOn February 10, 2015, your available balance was $when an electronic debit of $from FingerHut presented for paymentWe returned the item as NSF and assessed the disclosed $feeWe show this is the only NSF fee you were assessed during the life of your account with usThe enclosed document titled DDA Holds/Transactions History shows your account activity on February 10thPlease take a moment to read the information page which accompanies the transaction detailTo avoid unwanted fees in the future, we suggest you maintain an accurate transaction record of your account to avoid unwanted feesThe account will not be assessed a non-sufficient funds fee if at the time you write a check or otherwise authorize a payment from your account, there are sufficient available funds on deposit to cover all previously authorized outstanding debits as well as the new transactions being initiatedShould you have additional questions, you call Customer Support, send us an Online Banking Secure Message, or visit our website to participate in Live Chat or to complete a Feedback FormSincerely, [redacted] Support Operations CC: Revdex.com

Notice of Bank Default - FIRST NATIONAL BANK/ FIRST CONVENIENCE BANKATTN: [redacted] , [redacted] etcall executive and administrative staffThis notice is to FIRST NATIONAL BANK/ FIRST CONVENIENCE BANK (FNB/ FCB) regarding their default in this matterFNB/ FCB has not validated the debt they claim that [redacted] owesFNB/ FCB has not shown and continues to not show a copy of any accounting whatsoever proving that they have actually incurred a lossFNB/ FCB cannot prove that it has power of attorney of [redacted] ***There has been no validated criminal complaint filed against [redacted] ***Therefore, FNB/ FCB has exhausted their claimFurthermore, regardless of "who" signed what, the difference is in the details on who can enforce the contractUpon review of the contract, FNB/ FCB (it) does not have a signature on the contractThis is purely because banks CANNOT make agreements or sign contracts with people (who)Banks cannot loan their own assets [redacted] has never taken any property or borrowed any money from anyone working in FNB/ FCBAs a result, FNB/ FCB's claim is invalid, false, misleading, coercing and fraudulentSuch blatant acts of misinformation without any validation whatsoever constitutes grievances in the amount of ten-thousand ($10,000) U.SDollars*** [redacted] , [redacted] of FNB/ FCB, etcall executive and administrative staff has (have) agreed to be a debtor (debtors) in this matter due to her ignorance of banking laws and the federal UCC lawsAny representative or employee of FNB/ FCB is not required to respond to this default noticeA copy of this default notice will be sent to you for your recordsHowever, any response made must be made within days of receipt of this notice releasing their claim and/ or a check made payable to [redacted] in the amount of $10,Any further claims after this notice will only cause [redacted] to suffer more grievances and an additional $5,will be required to settle this matterThank you for your business Regards, [redacted] *** [redacted]

January 6, [redacted] Re: Revdex.com Case # [redacted] Dear [redacted] : We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to respond to your concernsWe shared your feedback with [redacted] [redacted] who called you to discuss your experience at our banking center located at [redacted] in Phoenix, AZSubsequently, [redacted] emailed you to thank you for bringing the matter to our attentionHe also assured you that an investigation was conducted and that your concerns would be addressed through training and other appropriate corrective measuresYour email reply to [redacted] stated your concerns had been addressed to your satisfaction and you would continue your account relationship with usShould you require further information or assistance from us in the future, you may contact [redacted] at [redacted] You may also submit a Customer Feedback Form, participate in Live Chat, or send a secure message through Internet BankingSincerely, [redacted] Support Operations CC: Revdex.com [redacted] *** [redacted] [redacted] [redacted] [redacted]

Dear Ms. [redacted] : We are in receipt of your additional follow-up correspondence to the RevDex.com for the case referenced above. As of this date, we have not received anything from the RevDex.com concerning the separate case you mentioned filing in your most recent letter. We also have not received the claim paperwork mailed to you in response to your allegation that two electronic Bluebird debit transactions were not authorized by you. Without this paperwork, we are unable to initiate an investigation on your behalf. As stated in our previous communications to you, we conducted a full and thorough investigation into the concerns you have outlined to us and provided a frank and forthright response. We consider this matter closed.

October 23, [redacted] Re: Revdex.com # [redacted] Dear Mr [redacted] : It was a pleasure speaking with you by phone today regarding your letter to the Revdex.com I confirmed we received your claim on October 2, for two unauthorized debits of $by Scream WorldIn review of your account activity, we found the pre-authorization and posting of the unauthorized Scream World transactions caused overdraft fees totaling $and one Point-of-Sale denial fee of $ On October 7, 2014, your claim was found to be valid and the debits to Scream World were reversed and all associated fees were refundedA copy of the letter informing you of our findings is enclosed for your reference At the end of our phone call you stated you would review your online banking account to confirm receipt of the refundsShould you require further information or assistance from us in the future, we invite you to submit a Customer Feedback form, participate in Live Chat, or send a secure message through Internet Banking Sincerely, [redacted] Support Operations Enc, (1) CC: Revdex.com [redacted] *** [redacted] [redacted] *** [redacted] [redacted] 10/07/ [redacted] Reference: Dispute Case Number [redacted] Case Amount: $ This letter is to inform you that we have made a final determination regarding your Electronic Funds Transfer claim filed 10/02/for the following transaction(s): 10/01/ $SCREAM WORLD 10/ $SCREAM WORLD Upon review of your account information, it was found that the merchant(s) in question have submitted credit directly to your account on 10/03/Due to merchant error, we refunded the fees that were charged to your account, in the amount of $ Should you have any questions regarding your claim, or if you would like to review the information on your claim, Dispute Investigations can be contacted at 254-554-4260, or 1-800-677-9801, ext Sincerely, Dispute Investigations

We are in receipt of your recent letter to the Revdex.com and appreciate the opportunity to respond to your concerns While researching your concerns, we found Branch Manager [redacted] assisted you with opening your Convenience AccountShe provided you with a number of written disclosures including the one enclosed titled A Clear and Concise Guide to the Convenience Checking account [redacted] helped you enroll in E-Statements so that the disclosed Convenience Account $monthly maintain fee was waived The aforementioned disclosure also outlines our overdraft servicesOur records indicate you elected our standard overdraft service (Partial Overdraft Privilege Service) that comes with the accountThis means we may use our discretion to authorize and pay overdrafts for checks, ACH transactions and automated bill paymentsYou did not give us your approval to authorize and pay ATM and everyday debit card transactions or recurring debit card transactions when your account did not have sufficient available funds to cover the transaction you were attempting On September 2", as shown on the enclosed document titled DDA Holds/Transactions History, we used our discretion to overdraw your account to pay two ACH Bluebird debits of $each and charged you the disclosed per item fee In your September 3rd call to Customer Support you stated the Bluebird transactions were not authorized by you but declined our suggestion to file a claim on those transactionsYou also requested we change your overdraft service election to no overdraft privilege service and we updated our records accordinglyThis means all transactions that are presented for payment or authorization against an insufficient available balance will be returned or declined and your account will be assessed the applicable NSF or debit card denial fee When you spoke with Assistant Branch Manager [redacted] she also encouraged you to file a claim on the transactions you stated were not authorizedShe also offered you a $courtesy refund which you accepted I attempted to reach you by phone on this date to confirm we had addressed all of your concernsSince I did not reach you, please do not hesitate to call me at my direct dial number provided in my voice mail should you have questions