Fort Sill National Bank (FSNB)

[redacted]See Attached[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.
Sincerely,
[redacted]

We received your
complaint submitted through the Revdex.com regarding the debit card dispute you filed in February, 2017. Since the dispute was
related to you not receiving the merchandise ordered from the vendor, Visa requires a written
statement be submitted with the dispute within 120 days of not...

receiving the merchandise. The deadline to file the chargeback was
6/14/2017 and we received your signed statement on 6/20/2017. At this time you will need to pursue a refund with the merchant. You are entitled to any documents we have collected during the investigation of your dispute.We can be reached at ###-###-#### Monday
through Friday 7am to 7pm and Saturday 8am to 1pm. We look forward to continuing to serve your banking needs.

Initial Business Response /* (1000, 5, 2015/08/13) */
We have received your complaint that was filed with the Revdex.com concerning the early deposit of your paycheck. We can only deposit your paycheck 1 day early if we receive it early from your payroll department. Our records...

indicate that your deposit is being sent to us with a date to post to your account of Friday. Our records show that your deposit has been posting to your account 1 day early on Thursdays. We show that we have refunded 3 overdraft fees to you on July 9, 2015 as a customer courtesy and explained how we post items.
Transactions are processed and "hard" posted to accounts at the end of each business day. Business days do not include Saturdays, Sundays or Federal Holidays. Transactions may initially show on your account in a "pending" status. Pending status means that the transaction amount has been debited from your available balance but has not been processed by the bank. Example 1: Debit card or ATM withdrawals made on Wednesday will post in a pending status and be debited from your available balance. When we process at the end of business Wednesday night, those transactions may "hard" post to your account depending on the merchant. Example 2: Debit card or ATM withdrawals made on Saturday or Sunday will post in a pending status and be debited from your available account balance. On Monday when we process at the end of the business day, those transactions made on Saturday or Sunday will "hard" post to your account.
Transactions normally do not post in the order in which you make them due to the way different merchant's process transactions. The time of day that a transaction is done can also be a factor in when the merchant processes a transaction. We receive an item to post to your account when it is sent to us by the merchant and some merchants process items more quickly than others.
When using the mobile app, transactions that have "hard" posted to your account will show with the date the transaction "hard" posted to your account. Transactions that are still in a pending status will show with the word "Pending" and the amount will be deducted from your available balance. The balance that shows on the app is the available balance and may include transactions that are still in a pending status.
As to our posting order, credits are posted to your account first, and then debit items are paid from smallest to largest within each category within the same business day. The categories are:
Reversal of returned deposit (Chargebacks)
Withdrawals made at our teller windows
Telephone transfers
Scheduled automatic transfers between accounts
Transfers made with our online banking & mobile banking
Outgoing wire transfers
ATM withdrawals or ATM transfers between accounts
Recurring debit card transactions
Other debit card transactions
ACH debit transactions
All other checks drawn on your account
Other fees and service charges
We hope this will further clarify how transactions are posted to your account. If you need further help please contact our Call Center at XXX-XXX-XXXX.

(The consumer indicated he/she DID NOT accept the response from the business.)
We would like to be reimbursed for our inconvenience. we lost alot of time and had to pay fees to pawn our computer in order to be able to eat during our vacation. we had tickets to an amusement park and we missed it due to our money being held up...we lost 150.00 for tickets. and fee for pawn is 40.00.

We show that the overdraft fee was refunded to your account on 2/9/2016. Our records also show that the refund of your ATM transactions was processed within the timeline allowed. If at any time during the course of a conversation a customer makes a comment about closing their account we will remove the overdraft limit from the account. Again we do apologize for the inconvenience you have encountered and if you have any further questions about the transactions on your account please contact our Cards Department at [redacted] ext [redacted].

Initial Business Response /* (1000, 5, 2015/05/22) */
We have reviewed the complaint by Ms. [redacted]. Our records indicate that we did offer to decrease the amount Ms. [redacted] owes for her charged off account by 10%. At this time we can also offer payment arrangements to pay off the balance of the...

account. If Ms. [redacted] would like to make payment arrangements or discuss payment options, please contact our Collections Department at X-XXX-XXX-XXXX.

We received your complaint submitted
through the Revdex.com regarding the account filed on your credit report.We have decided to
remove the account from your credit report. This can take up to 30 days to
resolve. If you believe this account was opened by someone other than yourself
and you wish to file...

an Identity Theft report, please fax a police report to
our Security Department at ###-###-####.

We
received your complaint submitted through the Revdex.com and your email submitted
directly to us. As previously stated in the email response to you, during the
course of our investigation, I show that you told an FSNB representative on 3/22/2017 that you will fax in a card request.If you need...

anything else or if your complaint is still outstanding please
let me know.