First National Bank Texas

February 23, 201 [redacted] Re: Revdex.com Case #10430946 Dear [redacted]: We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to address your concerns. When 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 debits. For 30 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, 2015 you deposited check number [redacted] in the amount of $1.500.00. The first $200.00 was made available to you in cash and the remaining $1,300.00 was held For seven business days as a new account deposit. The 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 CC. A 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 available. We show the delay period expired on February 6, 2015 and funds have been made available to you. In 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 Banking. Sincerely,  [redacted] Assistant Vice President Support Operations CC: Revdex.com

April 13, 2015[redacted]Re: RevDex.com Case # [redacted] Dear [redacted]:We are in receipt
of your letter to the Revdex.com. Although 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 time. Your
Available Balance may change throughout the day and may not reflect all of your
transaction activity. Therefore, we recommend you maintain an accurate
transaction monetary register and use that register to reconcile your records
with our record of your posted transactions. We 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 authorization. We
are providing you with documents dated 3/16/15 and 3/17/15 and titled "DDA
Holds/Transaction History" as we feel this is the activity to which you
are alluding. Please note [redacted] initiated three pending credits on 3/16/15,
temporarily increasing your available balance. On 3/17/15, we received and
posted final payment orders for two of these credits so surmise [redacted] determined the $61.45 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 $12.98
which when posted, overdrew your account and resulted in an overdraft fee.
[redacted] noted that a credit from [redacted] for the $12.98 was received the same day
and outlined the merchant error process so this fee could be refunded. In a
subsequent conversation with [redacted], [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 $35.00 had
been refunded to your account. Subsequently, 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 unauthorized. You
may do so by following the highlighted instructions shown on page 3 of the
enclosures.Sincerely, [redacted]Support OperationsCC: Revdex.com Enclosure (3)

The attached response was mailed to your office on May 1, 2015.

Dear Ms. [redacted]:
We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to respond to your concerns. We show that you have filed four separate claims involving three different debit cards since May 28, 2014. In all four of the claim interviews you...

said you did not keep the PIN with the card. You also acknowledged you had given [redacted] your authorization to complete an ATM withdrawal with debit card ending in [redacted]. On claim number ending in [redacted] you listed [redacted] as a suspect. No 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 conducted. On 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 PIN. Additionally, 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 history. In many cases we found a disputed transaction proceeded or occurred between transactions you said you conducted. Each 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 us. We have been in contact with the detective assigned those cases and will continue to cooperate with law enforcement while their investigation is ongoing. Based on information received from the detective today, we are re-opening case number [redacted]. 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 35 of the Deposit Agreement governing the account. This section states "We reserve the right to close your account at any time for any reason."

Complaint: [redacted]
I am rejecting this response because: As I stated in the last email, Do you even read what I type in my emails or do you just run with what you WANT to read?  
 
As I have said in my previous email, what pertains to the other Revdex.com report I have filed separate from this one has nothing to do with this report so stop mentioning it. It will do nothing to help your case. Get back to the original report about your bank charging me a fee that your associate " Bank Manager [redacted]" assured me would not be charged. Stick to that topic and that topic alone! Quit changing the report around to try and skirt around the real issue at hand! Admit to your mistake and refund me the $75.00 your bank charged me in fee's or I will be contacting my lawyer to start a lawsuit. I have already spoken to a lawyer about the issue at hand.
 
Concerning the "Claim paperwork" You have mailed to me. I haven't received anything in the mail from you except just last week I got a letter containing everything you just posted in the last email.  Again pertaining to another report which has nothing to do with this one. Get off that report and back to this report about the $75.00 fee charged to me by false accusations and false advertisement.  You are doing nothing but hurting your company by continuing to bring up a subject with which has nothing to do with this report.
 
In your previous communication to me you have NOT conducted a full report and I have stated the flaws in your "investigation" You did not check your video records of the day I opened my account to see if I was handed a packet containing information about the account. If you had you would have included the video record in the email. Your "Investigation" only involved a phone call to "Bank Manager [redacted]" and only her word against mine. Not a proper "Investigation" and my lawyer agrees. You also have NOT "Provided a frank and forthright response" to my "concerns". You have missed the Revdex.com deadline for a response EVERY TIME. Your response's have been COMPLETELY off topic and pertaining to other subjects not even mentioned in the report. 
 
I consider this matter still open and will not consider it closed until you  acknowledge your mistake and refund my money. 
  
Regards,
[redacted]

December 29, 2014 [redacted] Re: Revdex.com Case # [redacted] Dear [redacted], We are in receipt of your correspondence to the Revdex.com. Although we would like to thoroughly address your concerns, we were unable to identify...

the $1,000 check referenced in your letter. We did identify two checking accounts established by you but the record retention period for those accounts has expired. The very limited information still remaining in our files show Account number [redacted] was closed in 2006 and Account [redacted] was charged off on December 29, 2008. If the $1,000 check referenced in your letter is related to either of these accounts, the timeframe for filing a claim as outlined in the Uniform Commercial code has also passed. Sincerely,    [redacted] Support Operations CC: Revdex.com [redacted]                                   ###-###-####                   [redacted]                          ###-###-####                    [redacted]

[redacted]
[redacted]
[redacted]
[redacted]
[redacted] [redacted] Dear Ms. [redacted]: I am in receipt of your letter to the Revdex.com. It is frustrating when you don't understand actions we take involving your...

account so we appreciate the opportunity to address your concerns. When you established your account with us, we provided you a disclosure packet which included our Funds Availability Policy. This policy strictly complies with Federal Reserve Regulation CC and states: "Our policy is to make funds from your deposits available to you on the first (1st) banking day after the day we receive your deposit... Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the business day of your deposit. However, the first $200 of your deposit will be available on the first (1st) business day. If we are not going to make all of the funds from your deposit available on the first (1st) banking day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the next business day following the banking day we receive your deposit. If you will need the funds from a deposit immediately, ask us when the funds will be available". In addition, funds you deposit by check may be delayed for a longer period than two (2) business days, and the first $200 may not be available under the following circumstances: ·    We believe a check you deposited will not be paid ·    You deposit checks totaling more than $5,000 on any one (1) business day ·    You redeposit a check that has been returned unpaid ·    You have overdrawn your Account repeatedly in the last six (6) months ·    There is an emergency, such as failure of communications or computer equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the business day of your deposit. We show you deposited check number 1412266 in the amount of $5,824.95 and received cash back of $200.00 at 7:10 p.m. on March 19, 2015. Since the deposit was made after 5:00 p.m., the deposit was    considered made on the business day of March 20th. A delayed availability hold of $4,713.17 was placed on the account on March 21st as allowed by Regulation CC when we found that your account had eight (8) overdraft items in the prior six (6) month period. Branch Manager [redacted] told you of the delayed availability of your funds when you visited the branch to make a withdrawal. After confirming the check had been presented for payment and paid, [redacted] released the hold and you made a withdrawal of $4,400.00. In 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 Banking. Sincerely,[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]

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]

Notice of Bank Default - FIRST NATIONAL BANK/ FIRST CONVENIENCE BANKATTN: [redacted], [redacted] etc. all executive and administrative staffThis notice is to FIRST NATIONAL BANK/ FIRST CONVENIENCE BANK (FNB/ FCB) regarding their default in this matter. FNB/ FCB has not validated the debt they claim that [redacted] owes. FNB/ FCB has not shown and continues to not show a copy of any accounting whatsoever proving that they have actually incurred a loss. FNB/ 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 claim. Furthermore, regardless of "who" signed what, the difference is in the details on who can enforce the contract. Upon review of the contract, FNB/ FCB (it) does not have a signature on the contract. This 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/ FCB. As a result, FNB/ FCB's claim is invalid, false, misleading, coercing and fraudulent. Such blatant acts of misinformation without any validation whatsoever constitutes grievances in the amount of ten-thousand ($10,000) U.S. Dollars. [redacted], [redacted] of FNB/ FCB, etc. all 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 laws. Any representative or employee of FNB/ FCB is not required to respond to this default notice. A copy of this default notice will be sent to you for your records. However, any response made must be made within 3 days of receipt of this notice releasing their claim and/ or a check made payable to [redacted] in the amount of $10,000. Any further claims after this notice will only cause [redacted] to suffer more grievances and an additional $5,000 will be required to settle this matter. Thank you for your business. 
Regards, 
[redacted]

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 Account. She 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 $5.00 monthly maintain fee was waived.
The aforementioned disclosure also outlines our overdraft services. Our records indicate you elected our standard overdraft service (Partial Overdraft Privilege Service) that comes with the account. This means we may use our discretion to authorize and pay overdrafts for checks, ACH transactions and automated bill payments. You 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 $20.00 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 transactions. You also requested we change your overdraft service election to no overdraft privilege service and we updated our records accordingly. This 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 authorized. She also offered you a $35.00 courtesy refund which you accepted.
I attempted to reach you by phone on this date to confirm we had addressed all of your concerns. Since 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.

March 3, 2015 [redacted] Re: Revdex.com Case #[redacted] Dear [redacted]: We are in receipt of your correspondence to the Revdex.com. It is frustrating when an unexpected fee is charged to your account so we appreciate the...

opportunity to respond to your concerns. When you opened your account on August 20, 2013, you were provided with a disclosure packet covering the terms, conditions and fee schedule governing your account. Included in that packet were documents titled Welcome to the  Family and Banking Services-Fee Schedule both of which disclosed your account would be charged $35.00 for each non-sufficient item. Our 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 type. This 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 assessed. On February 10, 2015, your available balance was $2.67 when an electronic debit of $30.00 from FingerHut presented for payment. We returned the item as NSF and assessed the disclosed $35.00 fee. We show this is the only NSF fee you were assessed during the life of your account with us. The enclosed document titled DDA Holds/Transactions History shows your account activity on February 10th. Please take a moment to read the information page which accompanies the transaction detail. To avoid unwanted fees in the future, we suggest you maintain an accurate transaction record of your account to avoid unwanted fees. The 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 initiated. Should 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 Form. Sincerely,  [redacted] Support Operations CC: Revdex.com

April 1,2015 [redacted]-[redacted] Re: Revdex.com Case #[redacted] Dear [redacted]-[redacted]: We are in receipt of your correspondence to the Revdex.com. I attempted to contact you directly by phone but as of today have not...

received a response to the messages I left. I apologize that you did not receive information sufficient to resolve your concerns when you contacted us on March 13th to place a stop payment on the $82.00 bill payment to Elephant Auto Insurance. We have refunded $105.00 to your account representing two overdraft fees and the negative balance fee that you would have avoided if a stop payment was placed on March 13th. Our records show Elephant Auto Insurance negotiated the bill payment and received funds on March 20, 2015. We will be happy to join you in a call to Elephant Auto Insurance to see if they will send you a refund check for the duplicate payment. I invite you to call me directly at ###-###-#### Monday - Friday from 8:00 a.m. to 5:00 p.m. CT if you wish to pursue this course of action. Sincerely yours,  [redacted] [redacted]Support OperationsCC: Revdex.com

Complaint: [redacted]
I am rejecting this response because: The Bank refuses to assist me on getting money back.
Regards,
[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.

Complaint: [redacted]
I am rejecting this response because:
Did you even read my last message? Check your video surveillance on the day I opened my account. "Branch Manager [redacted]" Never handed me a disclosure packet nor did she discuss one with me. If I need to hire a lawyer I will. Ill also be contacting the Federal Reserve Consumer help about the issues at hand as well. 
 
When it comes to the overdraft fee's I have signed to turn overdraft protection off. When I asked "[redacted]" about other fee's, her response was, " No Fee's" Again I repeat myself... If I need to hire a lawyer I will. Also I will be contacting The Federal Reserve Consumer help.  
 
The phone call on September  17th was in regards to another Revdex.com report I have made pertaining to another issue with First Convenience Bank. That phone call has nothing to do with THIS Revdex.com complaint. So your argument is invalid. I have made multiple calls and complaints directly to First Convenience bank in regards to THIS Revdex.com complaint. Look those phone calls up and listen to them. 
 
It sounds like to me that you, First Convenience bank, are trying to pull up as much lies as you can in order to dismiss this report. Look up the truth and come clean about your actions. I will not let this case rest until your customers know what your banks do to them.  
 
I  have closed my account with First Convenience bank and will never be a customer of their's again. There was a balance of $0.00 when I closed my account in which the employee at the desk clearly specified.
 
Regards,
[redacted]

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

October 24, 2014
[redacted]
Re: Revdex.com #[redacted]
Dear Mr. [redacted]:
We are in receipt of your correspondence to the Revdex.com and appreciate the opportunity to respond to your concerns.
When you opened your account,...

we provided you with a disclosure packet outlining the terms, conditions, and fee schedule governing your account relationship with us. The Deposit Agreement provides detailed information on the order in which withdrawals and deposits are processed, and discloses that the Bank pays transactions based upon the available balance. The available balance is defined as "the funds that are currently available in your Account for your withdrawal or to pay presenting debits on your Account. Your Available Balance may change throughout the Banking Day".
Please note that it is still possible for you to overdraw your Account even though the Available Balance shows there are sufficient funds to cover a transaction that you want to make. The Available Balance may not reflect all of your Card transactions. In some cases a Merchant may not present a transaction for pre-authorization. When they do present a transaction for pre-authorization, a Merchant pre-authorization Hold on your Account will decrease your Available Balance for up to three (3) Banking Days or up to thirty (30) Banking Days for certain types of Card transactions (including but not limited to car rental transactions and international transactions). If a Merchant does not submit the
corresponding preauthorized transaction for payment within timeframes listed previously, our automated systems will release the pre-authorization Hold on your Account. The Available Balance will not reflect this transaction until it has been presented for payment to us and posted to your Account.
In researching your concerns, I found you last contacted us on September 11th to understand how your account had become overdrawn. Customer Support supervisor [redacted] explained that merchant holds reduce the amount available to pay checks and other debits that are presented to the bank for payment. [redacted] did inform you that if you initiate transactions in excess of your available balance, you could be assessed a per-item overdraft fee when the items present to your account for final payment. We found this to be the case on October 4th to October 9th when payment requests you initiated was submitted to us for payment against an insufficient available balance.
[redacted]                             [redacted]                [redacted]                    [redacted]                [redacted]
 
 
The enclosed documents titled DDA Holds/Transaction History detail your account activity for the days
of October 4th - October 9th. Take a moment to read the informational sheet which is also enclosed.
To 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 balance. You may also wish to consider enrolling in AccountTRANSFER, a contractual agreement for overdraft protection.
AccountTRANSFER allows you to put money aside in a separate "transfer from" account and link it to your checking account to cover items that exceed your available balance. If you wish to benefit from the AccountTRANSFER Overdraft Protection Plan, please visit your local branch to establish a "transfer from" account.
In an effort to resolve this dispute amicably, we have provided you courtesy refunds of $105.00. Please take this opportunity to make a deposit to cover the remaining negative balance in your account.
 
Sincerely,
[redacted]
Support Operations
CC: Revdex.com
[redacted]                                 [redacted]                  [redacted]            ...⇄ [redacted]                [redacted]

A division of First National Bank Texas lstcb.com December 15, 2014 [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 concerns. When 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 relationship. Included 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 fees. The internet banking account overview provides both the current and available balance and the account detail will reflect any pending transactions for the current calendar day. We pay items presented for payment based on your available balance. Available balance means the funds that are currently in your account for your withdrawal or to pay presenting debits to your account. Your available balance may change throughout the day. Your 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 transactions. Each time you use your Debit MasterCard®, a "hold" is placed on available funds in your Account. These 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 sooner. Funds on hold are not available for withdrawals, payment of checks or other debits. If the charge is not presented by the third (3rd) day, the "hold" is released. However, 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 register. Just 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 Account. If 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, 2014 shows that you authorized transactions totaling $118.38 against available funds of $109.00. On that date, one transaction was posted against an insufficient available balance and assessed a per-item overdraft fee. A copy of the referenced DDA/Holds Transaction History has been enclosed for your review. Even though fee assessment was in accordance with account disclosures, as a goodwill gesture we have credited a refund of $35.00 to the account. To 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 balance. You may also wish to consider enrolling in AccountTRANSFER Overdraft Protection. This product allows you to set aside funds in a "transfer from" account that is linked to your checking account. 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] Senior Vice President Support Operations CC: Revdex.com Enclosure [redacted]                                   [redacted]                     [redacted]                          [redacted]                     [redacted]

December 3, 2014 [redacted]  Re: Revdex.com Case # [redacted] Dear [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 you visited our branch to initiate the closure of your account. I have shared your feedback with District Manager[redacted] for appropriate action. While 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 process. When this option is chosen, your account is assessed the collection fee of $49.00, charged off, and submitted to an agency for collection. In 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 standing. During our phone conversation, you inquired about your account negative balance but could not remain on the phone to discuss your account activity. I 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, 2014. 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]