First National Bank Texas

March 9,2015 [redacted] Re: RevDex.com Case # [redacted] Dear [redacted] : We are in receipt of your correspondence to the RevDex.com. I attempted to contact you by phone on March 5th to discuss and address your concerns. When I was... unsuccessful in reaching you, I left a voice message with my contact information. The following morning I received a voice message from you requesting that I speak with your husband, [redacted] , about the concerns you outlined in your letter since it is difficult for you to speak with me during our business hours. On March 6, 2015, I attempted to contact [redacted] by phone when I found that he was being assisted by bank employee [redacted] who was working to resolve the issues he has been experiencing with using his debit MasterCard®. During their conversation, [redacted] had some questions about the status of the check order for your joint owner checking account. In researching his concern, [redacted] confirmed that the checks were sent to the correct mailing address but returned 'undeliverable' for some unknown reason by the Postal Service. [redacted] processed another order for checks and expedited the shipping at no cost to you to address: [redacted] ***. We also provided a refund of the check order fee assessed your account on February 19, 2015. At the conclusion of the call, [redacted] invited [redacted] to contact her if he continued to experience issues with his debit card. I contacted [redacted] on March 9, 2015 to confirm that we had addressed all of his concerns. [redacted] indicated he was satisfied with our resolution and that he was no longer experiencing problems using his debit card. Should 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 Form. Sincerely, [redacted] Support Operations CC: RevDex.com

January 15, *** ** *** P.OBox *** *** ** *** Re: Revdex.com Case #*** Dear *** ***: We are in receipt of your follcorrespondence to the Revdex.comFirst National Bank Texas categorically denies and refutes each of the stated assumptions in your rebuttal as having no basis of factThe following information is provided as our final response to this matterEnclosed is the signature card you signed when you opened your account with usWe have highlighted the section which states, "When my account is opened by the bank, this signature card constitutes a contract and my account will be governed by this contract and the bank's Deposit Agreement which may be amended by the bank from time to time"Your initials to the right of your signature provide your authorization allowing us to use our discretion to authorize and pay overdrafts for ATM transactions and everyday debit card transactionFirst National Bank Texas does not report charged-off checking and savings accounts to the Credit BureauThe charged-off balance of your account is $You may remit payment to First National Bank Texas, *** *** *** *** ** ***Sincerely, *** *** *** *** *** Support Operations CC: Revdex.com

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meI had already taken care of the negative balance showed the following day u submitted this complaint.
Regards,
*** ***

January 20, *** *** *** *** ***
*** ** *** Re: Revdex.com Case #*** Dear *** ***: I contacted you directly by phone at the number you provided in your letter to the Revdex.com to address your concernsYou stated that you were not able
to speak at that time and asked for a call back later that afternoonI tried to reach you at the agreed call back time and left a voice message with my contact informationAs of this date, I have not received a return callDuring my research of your concerns regarding check negotiation, I found that you first visited our banking center in Kyle, TX in an attempt to negotiate a settlement check made payable to you and another person/companyThe teller who assisted you that day informed you that the settlement check must be endorsed by all payees and we could not complete your transactionYou then visited our banking center in Lockhart, TX with the same check containing your endorsement onlyWe again advised you that we could not negotiate the check without the endorsement of all payeesYou also mentioned having difficulty using your account during your recent visit to FloridaAfter reviewing our records, I found that on November 10th we attempted to contact you at ###-###-#### when our monitoring systems alerted us to unusual card activity on your debit cardSince our representatives could not speak with you directly to verify four card transactions from Walmart.com, authority for signature/web based (credit) transactions was cancelled but you were still able to use your card to complete PIN based debit card transactionsThese measures were taken to protect your account from suspected unauthorized activityAs a good will gesture, we refunded $representing the foreign ATM fees you were assessed during November and DecemberIf you wish to be able to update your debit card status to conduct signature/web (credit) based transactions, please contact me directly at ###-###-#### Sincerely, *** *** *** ***Support Operations CC: Revdex.com

stnb.com A division of First National Bank Texas lstcb.com December 19, *** *** ** *** *** *** *** *** *** *
*** ** *** RE: Revdex.com Case # *** Dear *** ***: Thank you for taking time
out of your busy work day to speak with me todayAs discussed, please find enclosed: 1. A copy of your September, October, November, and December account statement 2. A copy of the 11/10/and 11/11/non-sufficient funds notices 3. The DDA Hold/Transaction History for 11/10/and 11/11/Please take a moment to review the third page of this enclosure as it provides an explanation for each section of the history detail as well as important information on how we determine your available balanceI have also processed credits totaling $for fees assessed during the time you were not receiving statements and non-sufficient fund notices from usOn Monday, December 22nd, one of my team members, *** ***, will call you between noon and 1:p.mto assist with your Internet and Mobile Banking enrollmentThese free services are great tools to help you keep up with your account activityWith Internet Banking enrollment you will automatically receive E-Statements unless you change your statement option to receive paperShould 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: *** ***
*** *** *** *** *** Encl(3) CC: Revdex.com ** *** *** *** [email protected] *** ** *** *** [email protected]

December 5, *** ***
*** *** *** ** *** **
*** ** *** Re: Revdex.com Case #*** Dear *** ***: We are in receipt of your letter to the Revdex.com and appreciate the opportunity to respond to your concernsAfter researching your
concerns, I found that a claim of unauthorized debit activity was filed on December 26, for ten charges associated with Facebook and one BIG FISH transactionThe alleged unauthorized debits totaled $During the course of our claim investigation, ***, the representative handling your claim, spoke with you concerning the transactionsYou stated that you did have an active account with Facebook and that the payment requests for $by BIGFISH and $by FACEBOOK may have been initiated by you but not the othersIt is our understanding that Facebook requires a user to initiate a dispute directly with them at Facebook.comOur notice to you dated January 10, and sent to your address on file outlined this informationA copy of that letter is enclosed for your reviewIf you have filed a dispute with Facebook, we will be happy to contact the merchant on your behalf to see whether Facebook would be willing to refund some or all of the debits to your accountPlease forward all copies of your emails or other confirmation of your dispute filing with them to *** and direct the email to my attention in the subject lineIf you have not yet initiated a dispute with the merchant, the direct link to their dispute page is ***unauthorized_charges. Sincerely, *** *** Assistant Vice President Support Operations CC: Revdex.com Enclosures ** *** *** *** *** ***
*** ** *** *** *** *** 01/10/*** * ***
*** *** *** ** *** **
*** ** *** Reference: Dispute Case Number *** Case Amount: $This letter is to inform you that we have made a final determination regarding your Electronic Funds Transfer claim filed 12/26/for the following transaction(s): 12/05/*** **
** *** *** ** 12/05/** **
*** *** *** ** 12/04/*** **
** *** *** ** 12/04/*** **
** *** *** ** 12/03/*** **
** *** *** ** 11/04/*** **
** *** *** ** 11/04/***
** *** *** ** 11/04/*** **
** *** *** ** 11/04/*** **
** *** *** ** 11/04/***
** *** *** ** 11/08/** **
** *** *** ** Upon contacting *** *** *** ** and ** *** *** **, it was found that the merchant is willing to resolve the error you reported Please contact the merchant directly at FACEBOOK.COM to resolve this issueAt this time, we will consider this case closedShould 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 *** ** *** *** *** Sincerely, Dispute Investigations

November *** *** *** *** *** *** *** *** ** *** Re: Revdex.com***-***-*** Dear *** ***: 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 contacted us after an automatic transfer request was processed incorrectlyAs mentioned, I shared your feedback with *** *** *** l who immediately conducted a thorough search of your concerns and found that the automatic transfer was not cancelled in our system*** authorized a refund of $which represents the overdraft fees and negative balance fee assessed to your accountThese refunds brought your account back to good standingDuring the comersation, you inquired about resetting your Online Banking passwordI assisted you with obtaining a new temporary password and encouraged you to establish a personal verification code for your account which you will be asked to provide each time you contact Customer SupportAt the conclusion of the call you stated you were satisfied with the resolution and asked about the process to submit a positive feedback to the bankShould 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,*** *** *** *** ***
*** *** CC: Revdex.com ** *** *** *** *** *** *** ** *** *** ***

Complaint: ***
I am rejecting this response because:
Regards,
*** ***
First of all, I was never handed a packet of information when I opened my account with First national bank of TexasYou have cameras all over the place, look back at your records and see for yourself.
Second, when I opened my account I told you to turn off ALL over draft protectionBut I was charged overdraft feesI have printed proof of the charges as wellSo that was a lie on First National Bank of Texas' part.
Third, if you turned off ALL of my overdraft protection during our last phone call then explain to me why I'm in the negative yet again today? You can'tThe supervisor I spoke to today said that the overdraft protection was NOT turned offSo you just lied to both me the customer, and The Revdex.comI will not let this case end until I get a full refund of the overdraft charges against my account with First National Bank of TexasSimply because I was lied to when opening my accountAnd now because you are with holding my paychecks from meI've contacted my employer and received proof that my paycheck was sent todayI've been payed on every Wednesday except these only occasions where my bank was in the negativeI'm not stupidYour waiting until the overdraft charges post before you release my paycheckI won't rest until the charges are droppedEven if that means hiring a lawyer

Dear Mr***,
It was a pleasure speaking with you by phone regarding your letter to the Revdex.com
As you are aware, we offer several account monitoring tools such as online banking and mobile banking to assist you in reconciling your account and tracking your available balance
As suggested in our phone conversation, you can enable text alerts to receive notifications of when your balance has fallen below the designated amount as a means to avoid unwanted overdraft feesIf you require assistance, you may contact Customer Support at ###-###-####
When a merchant erroneously submits a debit for payment, it is our practice to ask that the customer work with the merchant to provide us a letter of error to correct the overdraft in their accountI have waived the requirement for a merchant error letter and in an effort to resolve this matter amicably, I have processed refunds totaling $You stated you were satisfied with the resolution and you would continue your account relationship

February 13, *** *** *** *** *** *** ** *** Re: Revdex.com Case #*** *** *** ***: It was a pleasure to speak with you today about your letter to the Revdex.comI was glad to learn that your concerns were addressed when Branch Manager ***
*** and District Manager *** *** contacted you by phone on February 7, During our phone conversation you expressed appreciation for the prompt service *** and *** provided to you and were pleased with the steps taken to reverse the charged-off collection of $Should you require further information or assistance, you are welcome to submit a Customer Feedback form, participate in Live Chat, or you may contact me directly at ###-###-####Sincerely, *** *** *** *** Support Operations CC: Revdex.com

February 12, *** *** *** *** *** *** *** *** ** *** Re: Revdex.com Case #*** Dear *** ***: We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to respond to your concernsIt is frustrating when a
processing error affects your account balanceIn reviewing your account history, I was happy to find that the error was corrected with a reversal of the debit and a refund of $to your accountI thank you for giving us the opportunity to take corrective action and for continuing your account relationship with usDuring my research of your concerns regarding a Point-of-Sale (POS) denial fee, I found that on February 4th you made multiple phone calls to Customer Support for assistance in removing the aforementioned denial fee from your accountUnfortunately, we did not provide you with sufficient information to resolve your disputeI sincerely apologize that you did not receive the standard of customer service to which you are entitledFurther search of your concerns show you contacted Customer Support again on February 5th and spoke with personal phone banker ***During the phone call you indicated to *** that the pre-authorization request by *** was not authorized by you and requested information on how to remove the denial fee from your accountIn an effort to resolve this dispute, *** credited your account $which represents the POS denial feeAs the call ended, you expressed appreciation for the refund and complimented *** on the service he providedI 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 questionsSincerely, *** *** *** *** *** Support Operations CC: Revdex.com

1stnb.com A division of First National Bank Texas lstcb.com December 19, *** *** ***
*** *** *** ***
** *** ** *** Reference: Revdex.com Case #*** Dear Ms***: Thank you for taking time to speak to me todayDuring our conversation, you
acknowledged that you had authorized USAA to initiate electronic debits to your First Convenience Bank account with the knowledge that your First Convenience Bank account did not have sufficient funds on deposit to pay the presenting debitsYou stated you thought the debits would be paid on your First Convenience account with 'overdraft protection'Subsequent to our conversation, I had the opportunity to review the three calls you placed to us on November 26, During your first call at approximately 2:p.mour customer service representative *** clarified with you First Convenience does have an overdraft protection plan which is linked to another accountShe explained you were not enrolled in this overdraft protection plan but your account was subject to our standard overdraft practices which means we pay overdrafts at our discretion and do not guarantee we will always authorize and pay any type of transaction*** provided you with a courtesy refund of $representing the negative balance fee assessed when your account remained overdrawn six consecutive backing daysShe also suggested you contact USAA to see if there was something they could do on their end to prevent additional debit presentments to usIn your second call at 2:p.myou spoke with *** and asked for a refund of two NSF fees of $eachHe accommodated your request and confirmed your balance was negative $after the refundYou informed *** you had initiated a $transfer credit from your USAA to your First Convenience to resolve the overdraftAt 3:p.myou called us again and reached Personal Banker ***Someone who identified herself as *** from USAA was also on the call*** reviewed your account activity and advised that in addition to the $*** said was in progress from USAA to First Convenience Bank, to avoid additional overdraft or NSF fees, an additional $was required to cover the current overdraft and the $debit being presented for payment that dayAfter calling both the wire transfer and ACH department to see if they had record of an incoming ACH or wire transfer, *** explained we could ** *** *** ###-###-#### [email protected] *** ** *** ###-###-#### [email protected] 1stnb.corn A division of First National Bank Texas stcb.com not credit your account with the $until it was actually receivedHe asked if you were able to make a cash deposit of $before the end of the business day (5:p.m.) as that would allow enough funds to cover the $and your current overdraftYou said you did not have the funds available to make a cash deposit and shortly thereafter ended the callThe $ACH transfer from USAA was received on November 28, After posting your account had a balance of $On December 1, a $and $debit was received from USAAWe used our discretion to overdraw your account to pay the itemsThe disclosed per item overdraft fee of $was assessedWhen we spoke today, your account was overdrawn $with an incoming ACH credit of $from USAA that would reduce that overdraftAs a final accommodation to you, I provided a courtesy refund totaling $I also informed you your account would be charged off if it remained overdrawn for a total of consecutive banking daysYou stated you would make weekly payments and the overdraft would be resolved well before that time. Sincerely, *** *** *** *** *** Encl** *** *** ###-###-#### [email protected] *** ** *** ###-###-#### [email protected]

Complaint: ***
I am rejecting this response because: I still do not feel the company made the necessary efforts to charge back the fundsAlso the basis as to which they denied the claim do not coincide with my reasoning for initiating the claim in the first place nor does the receipt from the merchant substantiate the fact that they fixed my car as I paid forI feel I provided more than enough information to show this company work has been proven faulty by many other customers who have filed Revdex.com complaints and online reviews that were completed
Regards,
*** ***

October 14, 2014
[redacted]
[redacted]
[redacted]
Re: Revdex.com #[redacted]
Dear Ms. [redacted]:
It was a pleasure speaking with you by phone regarding your letter to the Revdex.com. I am sorry that you did not receive the standard...

of customer service to which we aspire when your contacted us about the two debit card transactions referenced in your letter. As mentioned, I have refunded your account $70.00 for the overdraft fee associated with each of those transactions.
In our conversation, you stated you no longer wanted the bank to authorize and pay overdrafts on ATM and everyday debit card transactions when you did not have sufficient available funds in your account for the transactions you were attempting to complete. You did want our standard overdraft practices that come with your account. We have updated our records to reflect that change effective September 17, 2014.
At the conclusion of the call you stated you were satisfied with the resolution and asked about the process to notify the Revdex.com your compliant had been resolved. Should 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
CC: Revdex.com
[redacted]            ###-###-####          [redacted]     ###-###-####         [redacted]

December 31, 2014 [redacted] Re: Revdex.com Case #[redacted] Dear [redacted]: We are in receipt of your follow up to the Revdex.com concerning the above-referenced case. After receiving our response dated December 5, 2014, you contacted me by phone on December 11, 2014 to receive assistance in filing a dispute claim directly with Facebook. Together, we discovered you were entering the Facebook web site address incorrectly. Once that issue was identified, you confirmed you had accessed the Facebook website and were able to proceed with filing your claim. I provided you with my direct phone number so you may contact me if you needed further assistance with the claim process. I also said we would be glad to contact the merchant on your behalf and if you wanted us to do so, to please send me a copy of your claim and any other claim related correspondence between you and Facebook. To date, I have received nothing further from you although we stand ready to assist.Sincerely, [redacted] Assistant Vice President Support Operations CC: Revdex.com PO Box 937                                     (254) 554-6699                    [email protected] Killeen TX 76541                           (800) 677-9801                    [email protected]

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]

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]

April 2,2015 [redacted] Re: Revdex.com Case #[redacted] Dear [redacted]: We are in receipt of your follow-up correspondence to the Revdex.com concerning the above referenced case. As 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 you. However, in an effort to assist you we initiated a chargeback of $671.51 to [redacted]. Our records show you contacted us on March 19th requesting an update on the status of your claim. We reiterated to you that [redacted] has 45 days (or by May 11th) to reject our chargeback entry of $671.51. 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 $671.51 on February 26, 2015. Please find the enclosed letter dated March 30, 2015 showing the final status on your claim. Regretfully, we have exhausted every option available to us to resolve your dispute with the merchant. Sincerely,  [redacted]Support Operations CC: Revdex.com

December 29, 2014 [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 concerns. When you opened your account on...

March 22, 2014 you asked us to use our discretion to authorize and pay overdrafts on your ATM and everyday debit card transactions. Our records show that your account became overdrawn on October 9, 2014 when a debit card transaction for $107.99 presented for payment against an available balance of $1.07 and was paid by overdrawing your account. The disclosed overdraft fee of $35.00 was assessed. On October 14th, when the account remained overdrawn for five consecutive banking days, the Negative Balance Fee was assessed. On November 4, 2104 you contacted us and alleged the following debit card transactions were unauthorized. 9/08/14           $20.00             First Nationa Kroger 588 91 09/09/14         $214.93           Bose Pymnt 01 of 10/09/14         $107.99           Bose Pymnt 02 of $107.99 We promptly opened an investigation and emailed you claim forms for your signature. On December 9th you called us and spoke to one of our personal bankers who informed you that after your account had been overdrawn for 60 days, the account had been charged off and was being placed with an agency for collection. You made the assumption we had sold the overdraft to the collection agency despite repeated efforts from our personal banker to tell you otherwise. In 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 sharing. One of our everyday business purposes is the collection of any debt owed to us. On December 12, we spoke with you and obtained your Arkansas address and updated our records at that time. Although you had told us in previous calls you had recently moved to Arkansas, we failed to obtain an updated address. We apologize for that [redacted]                                   ...⇄ [redacted]                           [redacted]                             [redacted]                           [redacted] oversight and have enclosed copies of your account statements for September, October, November, and December. On December 15th, we provided you written notice (copies enclosed) of the final disposition on your dispute. You 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]                           [redacted]

[redacted] RE: Revdex.com Case No. [redacted] Dear Ms. [redacted], I appreciate your letter of March 31, 2015, however it appears your Branch Manger, [redacted], also lied to you as well as to me. You do not have all of the facts regarding this incident. On March 19th, 2015 at 19:10:41 my daughter and I brought a check we had received to the bank for deposit. I didn't catch the name of the teller, but the receipt says it was teller 1101. I asked her if I deposited this check, would it be treated the same as cash? Would my money be available immediately? The teller called over your assist Branch manager, [redacted]- I'm sorry I don't know her last name, and asked the same question to her in front of us. She replied that there had been some changes in procedure and she would need to check with [redacted] the Branch Manager, who was sitting behind the glass clearly visible in his office. Both the teller and the assistant branch manager carried my deposit slip and my check into the office. I saw [redacted] give the 2 pieces of paper to [redacted], the Branch Manager. He gave the paper back to [redacted] and the teller and they came back to the window. I was told by [redacted] that the branch manager told her that the funds would be available in the morning of March 20th I agreed to deposit the check. On March 20`h, I got up and checked my account online thru the internet.. The funds were listed as available and my daughter and I started hunting for a car We found one the next morning. On March 21st, 2015 at approx. 2:30pm in the afternoon, I brought a prominent business man with me and my daughter to pull the money from the bank to purchase a car from this man. The Branch Manager was working a teller window. When it was my turn, [redacted] was my teller. I gave him a withdrawal slip for $3500. The price of the car. Mr. [redacted] then went into the back room and closed the door. He was gone for a longtime. Whence came back, he told me that my funds were not available, embarrassing me in front of this gentleman with whom I do business. When I told him that on the night of the 19th he had told [redacted] the assistant branch manager that the funds would be available and that as soon as yesterday I checked and the funds were available. At that point he LIED and said he was never there on the 19th... that he didn't work that day. When I told him I saw him through the glass window, he again denied that he had worked that day. When I told him that I'm sure that his schedule and his people would verify my story, he called me and my daughter into the office to sit down and discuss the matter. At that point he admitted that he had been there that night, that he remembered the conversation, but that there had been a mistake and the funds were no longer available. I told him I would never have deposited the check if the funds were not going to be available. I simply would have gone and cashed the check, then brought cash to the bank as I needed the funds to purchases a car as that was what the payment to me was for. (My car had been totaled.) There was a man standing outside waiting for me to pay for a car I was purchasing from him and that I needed the car to get to the cardiologist. He told me I was being punished by the bank for using the overdraft service that had been offered to me as part of the services available at the bank and he didn't think the money would be available until April 1st. I objected and told him I was going to get an attorney. At that point, he told me he would make a call and the funds would be available on Monday. I requested a copy of the holding policy. He brought it to me and we left. On Monday, March 23rd, 2015, I called and spoke with [redacted]. He told me he hadn't been able to reach the Amarillo Bank and that he would keep trying. On Tuesday, I was told he was not available to speak to and that he would return my call. He never did. On Wednesday, March 25th, I called the Amarillo Bank where the check had been drawn from. I had no trouble getting through to Sonja in bookkeeping and she told me the check had cleared two days ago on March 23rd. When I explained the situation, that I was missing doctor appointments for my heart because I could not purchase another car, she was extremely cooperative and give me a direct line to give to [redacted] to call to confirm the check had cleared. My daughter and I went down to the bank and into the Branch Manager's office. When I asked him had he any information about my check he said no. I told him what the Amarillo bank told me and that I had a direct line phone no that he could call for confirmation. He said he didn't need it. He said- and by this time, my daughter and I had decided to record what he told us, that the check would be available the following day. On Thursday I called the bank. [redacted] told me that they had decided to hold the funds because I had been overdrawn and I should be getting a letter in the mail to that affect. Sure enough, a letter arrived in the mail that afternoon----dated March 20th, Sunday, that said that the bank was holding my funds because I had used the overdraft protection provided by the bank. I called Mr. [redacted] and was told he had Thursday off. Friday, the 27th, I spoke with the Amarillo Bank bookkeeper. She said her boss had called Mr. [redacted] directly to see if she could help and was told to keep out of it- that it wasn't any of her business. After filing with the Revdex.com and filing a complaint with the FDIC for violation of their rules regarding check holding, March 28th Mr. [redacted] called me and told me the funds were now available.. I took the letter that had been sent to me along with my daughter and her camera, and we went to the bank. I withdrew 4400. To pay 900 more for a car that I could have gotten the previous week for 3500. I showed the teller my letter stating that any overdraft charges that were made while the bank was holding the money would be returned to me. The teller took the letter into the office of [redacted]. Again we watched him through the glass. This time he made a phone call and put it on speaker. The teller came back and said that the Branch manager assured her that the 35 .dollar overdraft fee would be put back into my account within 72 hours. Ms. [redacted], today is April 16th, and I am still waiting for my $35. Overdraft fee To be credited to my account. What is going on at your bank? Since when can a customer not trust the branch manager that has a fiduciary responsibility to tell the truth and handle a person's money with integrity? Your bank has cost me an additional $900. For my car. Loss of use at $25. A day for every day you held my funds past the clearing date. I have been taken to the hospital by ambulance during this time for stress on my heart with a substantial copay coming out of my own pocket. My daughter has missed work trying to help me straighten out this situation. Your Branch Manager violated FDIC regulations and breached any contractual obligations that existed between myself as a customer and your bank. I have film, recordings, and documents of Mr. Art's and the Amarillo bank conversation proving everything I have stated in this letter.. Also please note When I reviewed the FDIC bank check holding policy I discovered that the holding policy form that was given to me that day by Mr. [redacted] , was different from the holding policy form I was given four months prior by the bank teller when I opened my account. I have received no notice that there was a change in policy at this bank. I am no longer frustrated, Ms. [redacted]. I am angry. Angry enough to file suit against your bank and include punitive damages. I look forward to you rectifying this situation. Sincerely, [redacted]