FirstBank

Revdex.com:At this time, I have not been contacted by Classyapartments.com regarding complaint ID [redacted] .Sincerely, [redacted]

Mr [redacted] opened his account with FirstBank on August 4th, and was provided with disclosures at account opening, including FirstBank’s fee schedule The fee schedule includes information regarding the annual debit card fee Mr [redacted] references in his correspondence Mr [redacted] ’s account was closed on August 28th, per a request he made through FirstBank’s Online Banking Department As was explained to Mr [redacted] , FirstBank’s preferred account closing method is to physically identify and verify the owner of a bank account to prevent fraudulent account closures As Mr [redacted] was unwilling to close his account in person, an exception was made to close his account per the request he made via FirstBank’s online chat service We apologize for any inconvenience Mr [redacted] experienced with closing his accountThank you,Jürgen

Ms [redacted] utilized a non-FirstBank ATM on 2/6/at 4:00pm MST to transfer funds between accounts The transfer was conducted after the ATM cut-off time of 3:30pm and therefore posted the following day on 2/7/ The account became overdraw on 2/6/and a $overdraft fee was assessed A FirstBank representative contacted Ms [redacted] on 2/8/ The representative explained that the cut off is 3:at the ATM, and let her know that this outlined in the account disclosures The ATM receipt also indicates that the transaction will post the next day In addition, the cut-off times are posted on the ATM As a courtesy, the bank refunded a total of $for the overdraft fee and now considers this matter closed

Revdex.com:At this time, I have not been contacted by Classyapartments.com regarding complaint ID [redacted].Sincerely,[redacted]

Mr. [redacted] opened his account with FirstBank on August 4th, 2014 and was provided with disclosures at account opening, including FirstBank’s fee schedule.  The fee schedule includes information regarding the annual debit card fee Mr. [redacted] references in his correspondence.  Mr. [redacted]’s...

account was closed on August 28th, 2015 per a request he made through FirstBank’s Online Banking Department.  As was explained to Mr. [redacted], FirstBank’s preferred account closing method is to physically identify and verify the owner of a bank account to prevent fraudulent account closures.  As Mr. [redacted] was unwilling to close his account in person, an exception was made to close his account per the request he made via FirstBank’s online chat service.  We apologize for any inconvenience Mr. [redacted] experienced with closing his account. Thank you,Jürgen

Ms. [redacted] utilized a non-FirstBank ATM on 2/6/2017 at 4:00pm MST to transfer funds between accounts.   The transfer was conducted after the ATM cut-off time of 3:30pm and therefore posted the following day on 2/7/2017.  The account became overdraw on 2/6/2017 and a...

$34 overdraft fee was assessed.        A FirstBank representative contacted Ms. [redacted] on 2/8/2017.  The representative explained that the cut off is 3:30 at the ATM, and let her know that this outlined in the account disclosures.  The ATM receipt also indicates that the transaction will post the next day.  In addition, the cut-off times are posted on the ATM.  As a courtesy, the bank refunded a total of $34 for the overdraft fee and now considers this matter closed.

Mr. [redacted] opened his account with FirstBank on August 4th, 2014 and was provided with disclosures at account opening, including FirstBank’s fee schedule.  The fee schedule includes information regarding the annual debit card fee Mr. [redacted] references in his correspondence.  Mr. [redacted]’s...

account was closed on August 28th, 2015 per a request he made through FirstBank’s Online Banking Department.  As was explained to Mr. [redacted], FirstBank’s preferred account closing method is to physically identify and verify the owner of a bank account to prevent fraudulent account closures.  As Mr. [redacted] was unwilling to close his account in person, an exception was made to close his account per the request he made via FirstBank’s online chat service.  We apologize for any inconvenience Mr. [redacted] experienced with closing his account. Thank you,Jürgen

A representative of FirstBank spoke with Mr. [redacted] on 7/15/2014 to discuss why the three electronic bill payments he had scheduled for July 10th could not be cancelled on July 10th after processing of the requests had started.  FirstBank’s electronic bill

payment...

system works in a manner whereby a customer using the system can enter a “Pay Date” which corresponds to the date on which a specified biller will receive an electronic payment per the instructions of FirstBank’s customer.  In order for the biller to receive payment on a specified “Pay Date”, FirstBank’s electronic bill payment system begins processing the transaction prior to that date.  

After discussing how the processing timeframe of FirstBank’s electronic bill payment system works with Mr. [redacted], FirstBank refunded $102 to his account as a courtesy for the NSF fees he incurred.  Mr. [redacted] was satisfied with the refund.

Review: I need to close my account, but they dont provide a proper service to close my accout. They keep charging me money for something or the other thing almost every other month. I have asked 4-5 times to close the account.Desired Settlement: Close the account, refund the additional 10$ charged for unnecessary debit card which I dont even use or ever used. Get my account closed ASAP I am not spending time to write letters.

Business

Response:

Mr. [redacted] opened his account with FirstBank on August 4th, 2014 and was provided with disclosures at account opening, including FirstBank’s fee schedule. The fee schedule includes information regarding the annual debit card fee Mr. [redacted] references in his correspondence. Mr. [redacted]’s account was closed on August 28th, 2015 per a request he made through FirstBank’s Online Banking Department. As was explained to Mr. [redacted], FirstBank’s preferred account closing method is to physically identify and verify the owner of a bank account to prevent fraudulent account closures. As Mr. [redacted] was unwilling to close his account in person, an exception was made to close his account per the request he made via FirstBank’s online chat service. We apologize for any inconvenience Mr. [redacted] experienced with closing his account. Thank you,Jürgen

Review: Bill pay transactions were scheduled with online banking for the 10th of each month. I logged into the account this morning (on the 10th) to cancel three transactions for which the funds were not going to be available. Two transactions were for $60 and on was for $100, totaling $220, while there was only about $40 available in the account. According to the website, the transactions were already in a pending state, so I called customer service to have them stopped before they were processed. I was told by customer service that my transactions dated for the 10th were in fact sent out on the 9th (not authorized) and they could not be altered at this time. I was also told that I would be receiving overdraft charges for each of the three transactions and additional daily charges thereafter until the balance is no longer a negative amount. Even after explaining that the transactions were sent out in advance of and contrary to my revoked authorization, and that I am currently out of state and without means to make a deposit, they were unwilling to make any kind of amends for the situation they created. They also claimed that I have overdraft protection or other services that allow my account balance to reach a negative amount, and this is not the case. I specifically opted out of any and all such programs when opening these accounts.Desired Settlement: I wish for the transactions to be cancelled or reversed. I wish for the resultant overdraft fees and additional charges to be reversed as well. These charges were not cause by my negligence, but rather by First Bank processing the transactions before they were scheduled and without my authorization. Additionally, I will no longer be doing business with this institution.

Business

Response:

A representative of FirstBank spoke with Mr. [redacted] on 7/15/2014 to discuss why the three electronic bill payments he had scheduled for July 10th could not be cancelled on July 10th after processing of the requests had started. FirstBank’s electronic bill

payment system works in a manner whereby a customer using the system can enter a “Pay Date” which corresponds to the date on which a specified biller will receive an electronic payment per the instructions of FirstBank’s customer. In order for the biller to receive payment on a specified “Pay Date”, FirstBank’s electronic bill payment system begins processing the transaction prior to that date.

After discussing how the processing timeframe of FirstBank’s electronic bill payment system works with Mr. [redacted], FirstBank refunded $102 to his account as a courtesy for the NSF fees he incurred. Mr. [redacted] was satisfied with the refund.

This bank has good promotions such as the [redacted] giveaway with new accounts. As far as the Scottsdale Arizona location the manager should be fired. I went in for the new [redacted] promotion not only did he set up a line of credit that was he said was necessary and I follow along with, he also opened up a [redacted] credit card. This caused multiple inquiries into my credit and I dropped my credit score. When I contacted customer service they stated that that was in fact not necessary to open up. And the credit that was opened without the mgr mentioning, I am now stuck with. You cannot undo what has been done to your credit. This manager is deceitful and dishonest. Plus on top of it all he did not even follow through with the promotion and I have to call customer service to see why I was not sent the promotion item. All around worst customer service and deceitful business ethics I have ever seen