June 23, 2017*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220RE: Issue# *** Dear Ms***,First Commonwealth is in receipt of the above referenced issue number that was filed at your office by our client Ms*** *** of *** *** ***In Ms
***s summary, she indicates that an ACH block was removed from her account and a vendor had accessed nearly $2,without her approval or acknowledgment.Ms*** has been working with two First Commonwealth employees to resolve an issue she had with our third party vendor*** *** *** ***(*** ***)Ms*** entered into an agreement with *** *** in August of for merchant services for her business*** *** ***Ms*** upgraded her service which required an additional contract with *** ***, leaving her with two open contractsIn April of 2015, prior to the expiration dates of the contracts, Ms*** terminated her service; therefore, *** *** attempted to collect the two early termination fees as disclosed in her contractsWhen *** *** attempted to collect these fees, Ms***s account rejected the payment due to Non-sufficient funds*** *** did not attempt to collect the fees immediately, however waited until January 8, 2016.First Commonwealth was notified of this by our client in November The allowed timeframe to dispute charges had expired, but First Commonwealth attempted to resolve the issue directly with *** *** on the client's behalfSince Ms*** entered into the agreements with *** ***, terminated service prior to the expiration date and the early termination fee(s) had been disclosed to Ms***, *** *** was not willing to refund the fees to our client.First Commonwealth values the relationship with Ms*** and her businessAlthough these fees were not charged by First Commonwealth, we are happy to compensate her one of the early termination fees, in the amount of $592.82, as a courtesyThis will be reflective in her account by June 30th.I hope this explanation is helpful in understanding the circumstances regarding the issue with Ms***s business checking accountIf you have further questions or concerns, please feel free to contact me at *** ***.Sincerely,Melissa B***, Senior Vice PresidentSenior Product Group Managercc: ** *** *** *** ***
May 15, 2017*** ***Dispute Resolution SpecialistRevdex.com of Western PAHoliday Drive, Ste 220Pittsburgh, PA 15220Dear Ms***,First Commonwealth is in receipt of an issue filed with your organization by our client, *** *** and assigned an ID number of ***In Ms***'s claim, she indicated that she cancelled an order to Overstock and the merchandise was never received, therefore she should not be responsible for the charge to her account.On September 13, 2016, Ms*** disputed a transaction on her account ending in *** in the amount of $to PayPal OverstockFirst Commonwealth applied a provisional credit for the client in the same amount and proceeded to dispute the charge with the merchantThe merchant provided evidence that the merchandise was delivered to the client's confirmed address on file via FedEx tracking number ***The merchant also provided the order number of *** for this transactionSince the merchant provided evidence that the merchandise was ordered and delivered, the provisional credit was reversed.Ms*** indicated that the order she felt was disputed was cancelled and that PayPal issued the credit to the wrong account; however, Ms*** provided an order number that was not consistent with the transaction noted above but was for order number ***.A dispute with a merchant must be made within daysSince we have exceeded this timeframe, First Commonwealth is unable to dispute any additional charges from the September 6th date but will reverse the $charge as a one-time courtesy to the client in an effort to bring this issue to a closeThis reversal will bring the client's account to a zero balance.If you have any questions regarding this issue, please feel free to contact me at ***.Rose S*Executive Assistant to the President & CEO
April 25, *** ***
*** *** *** ***
*** ** ***RE: Revdex.com case # *** Dear Ms***,First Commonwealth was notified of an issue you opened with the Revdex.com regarding your checking account ending in ***This account is jointly owned by both
you and *** *** ***You indicated in this notification that you were a victim of identity theft and you feel the amount owed on your account was a result of fraudulent charges.In researching this issue, it was determined that you notified First Commonwealth of your concerns and actions were taken to protect your accountPlease accept the following as an explanation of the activity on your account.Our Security and Fraud Department worked with you to release your Social Security deposit on October 4, to allow you access to these fundsAt this time, you withdrew funds in excess of your Social Security Deposit and your account went into overdraftRather than return this overage, your account remained negative and you were charged an overdraft fee and daily overdraft fees in accordance to bank procedure, After a deposit was received on October 31, 2016, your account remained negative by $In an effort to collect this balance, you worked with AAS to bring your account current.The amount that is currently owed on your account is $On September 6, 2016, a transaction was processed using a debit card tied to your joint account for a charge paid to PayPal for a purchase at Overstock.comLater in September, you disputed this charge as you indicated you had not received the merchandise that was orderedA provisional credit was issued your account awaiting verification from the merchantOn December 6, information was received that the order shipped and was delivered to your home address from the merchant via Federal Express; therefore, the provisional credit of $was reversedIt was determined that this charge was not a result of your identity theft and was an approved transaction.! hope this explanation is helpful in understanding your account balanceIf you have further questions or concerns, I am happy to work with you on your accountPlease contact me at *** ***.Sincerely,Rose S*Executive Assistant to the President
November 24, Dear MsCook, I am writing this letter on behalf of First Commonwealth Bank in response to the correspondence sent to your office by *** ***In this letter MrJohnson explains that he was charged overdraft fees to his account ending #***He states that he did not
receive notification from the bank until days after the account was overdrawn, and that he did make a deposit to the account, but was then notified of additional overdraft charges that had incurredHe also explains that further, this matter was turned over to a collection office by the bankIn researching this matter I reviewed the account history and noted that an ACH transaction in the amount of $posted to the account ending #on August 27, for paymentThe bank paid the amount of the transaction in accordance with Regulation E governing electronic transactionsThe account was charged a service fee in the amount of $was assessed to the account as disclosed in the bank’s Schedule of FeesMrJohnson received disclosures concerning Regulation E and the Schedule of Fees at the time of account openingAn Overdraft/Non-Sufficient Funds Notice was sent to MrJohnson on August 27th, advising of the transaction, the fee that had been assessed for its payment, and the amount that the account was overdrawn as of that dateThe notice went on to advise that a deposit should be made as soon as possible to ensure that additional fees would not be incurredThis included a possible Continuous Overdraft fee of $per day that would be assessed after consecutive days of the account being in an overdrawn stateA second Overdraft Notice was sent to MrJohnson on September 1st, and an additional notice one week laterA deposit was made to the account on September 8, The deposit that was made was not enough to bring the account out of its overdrawn status, and additional fees were assessedOn September 23, 2015, the account was closed, due to the length of time it stayed in a negative status, and turned over to a collection agency for further actionI found that the bank acted ethically in this matter and that the fees assessed were appropriateHad Mr*** reached out to the branch or someone in the bank early on in this situation, I believe that the matter could have been settled without escalating to this pointI would be happy to discuss this further with him and should he like to do so, he can contact directly at ###-###-####.Sincerely,Cassandra ** *** Vice President cc: ** *** ** ***
March 23, 2018*** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220RE: *** ** *** # Dear Ms***,First Commonwealth Bank (FCB) is in receipt of the issue that was filed by Ms*** *.***In her summary, Ms*** indicates that her
statements have been mailed to the wrong address and that she is currently living in Texas, that she has been unsuccessful in closing out her accounts and that she is able to access the checking account of her boyfriend, for which she is not an authorized owner on the account.Ms*** notified us in April of that her statement had been mailed to the home of a friend of hersIn March, 2017, FCB received an electronic postcard from the U.SPostal Service noting a "Family Move" submitted by an individual residing at *** *** ***,*** **When processing this type of address change, all accounts associated with this address are changed as part of a family moveMs***'s account was changed to *** *** ***, *** **She notified FCB that she did not move and the address was changed back to the previous addressFCB still has *** *** ***, *** ** as her legal address and all statements and other account related mail will continue to be sent to this addressIn order to change the address, Ms*** has been instructed to submit a notarized letter requesting us to update our records with her current address.Ms*** indicates that she has not been able to close out her accountSince she was not available to visit the branch to do so, FCB requested that she make her request by submitting a notarized letter indicating her instructions to close the account and disburse the balance within the account.Ms*** indicates that she is able to access the funds from the checking account of her boyfriend, Mr*** *** even though she is not an authorized owner of this accountMr*** and Ms*** have a joint savings account that is titled in both their names; however, their checking accounts are solely titledMs*** is able to access the funds from the joint savings account, not Mr***'s checking accountFunds were transferred from Mr***'s checking account into this joint savings account and Ms*** was then able to remove the funds and place them into her checking account.First Commonwealth has maintained a professional relationship with Ms***; however it has become more and more difficult to service her to her satisfactionAt this time, we will close all accounts with an effective date of April 20, This will allow Ms*** adequate time to establish a banking relationship with another financial institutionIn these days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: ** ***
October 20, *** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA RE: Revdex.com ID number *** Dear Ms***, I write to you in response to the letter you received from our client, *** ***In her notification to you, she indicated that due to an error on
her part, her account went into a negative statusShe also indicated that although her husband was not aware of their account balance, he continued to use their debit card to make purchasesIn making these purchases while the account was in overdraft status, the client was charged fees for each transactionThe client is questioning the legality of the charges and is requesting refund of fees charged for any item she received a fee for, where the amount was over $In reviewing the transactions, Ms***s account went into overdraft on September 29, With each transaction, a fee was accessed per bank policyAs required, a schedule of fees is provided to each client at account opening explaining our fee structureIt was determined that since there were no errors made by the bank, the fees on the transactions noted by the client will not be waivedHowever, please note that since January 1, 2015, First Commonwealth has waived fees totaling $to Ms*** for non-bank errors in an attempt to assist herDue to what has already been refunded, we feel that we cannot continue to waive such fees as a result of her current financial practicesAs a team, we are focused on assisting all of our clients find better financial solutionsOur office manager indicated that Ms*** has been invited to discuss overdraft protection and possible debt consolidation to assist her with such circumstancesWe have discussed with her options of opting out of these charges and provided her an automatically generated letter each month informing her of her ability to opt outShe has refused to accept that help and declined our offers of sitting down to assist in finding better options and behaviorsThank you for giving us the opportunity to review this issueIf the client has further questions or concerns, we welcome her to contact her Office Manager, Nathan C*** at ###-###-#### or myself at ###-###-####.Sincerely,Rose S*Executive Assistant to the President
*** ** *** ** *** *** *** *** ** ***Dear Ms***;First Commonwealth is in receipt of this issue you tiled with the Revdex.com and assigned issue #***You indicated that you received a promotional offer from First Commonwealth Bank: however, it was not accepted
which caused your payment to be lateOnce the loan became late, both you and the co-signer on the account began to receive phone calls regarding the late status of your account.In researching your issue, it was determined that the promotional offer that was extended to you expired on August 30, Your payment was received September 18, in the amount of $Since the promotional offer was no longer valid, the payment was applied as a payment on the account, creating a shortfall of the amount dueWhen the account became late, the First Commonwealth Collection Department reached out to the owners of the account, both borrower and co-borrowerThat call was not returned until October 10th, at which time you indicated that you were sending in the remaining payment immediatelyWe attempted to reach both borrower and co-borrower again when the payment had not been receivedOn October 16th, you indicated that you were again sending in the payment immediatelyOn the same day, we received payment for the co-borrower and applied it to the account.When an account becomes delinquent, First Commonwealth will attempt contact with the owners of the accountWhen a co-borrower is assigned to an account, they become responsible for payment when the borrower is not able to be reachedWe apologize for any misunderstanding and confusion regarding how collection attempts are made w'hen an account is lateWe make every effort to assist you in keeping your account current.We appreciate you and your relationship with First CommonwealthPlease accept our apology for the misunderstandingIf you have any questions or concerns, please feel free to contact me at ***.Sincerely,Faith S*Collections SupervisorCc: ** ***r, Revdex.com
March 19, 2018*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220RE: *** ** *** # *** Dear Ms***,First Commonwealth is in receipt of issue that was filed by Ms*** ***In her summary, Ms*** states that an error made in processing her cash
deposit caused her account to decline charges at a car rental business which required her to pay additional fees.Ms*** made a cash deposit after hours at a First Commonwealth ATMThe deposit was not made available to her at the close of the following business day per policyTherefore, her card declined causing her additional chargesSince this was due to a bank error, First Commonwealth will reimburse Ms*** the $additional fee she was chargedThis will be deposited directly into her account ending in 1953.Chris A***, Financial Solutions Market Leader made several attempts to reach Ms*** so we could resolve this issue but his attempts went unansweredWe offer our sincerest apologies for any inconvenience this caused and trust that Ms*** will be satisfied with this resolution.If you have additional questions, please feel free to contact me at ***.Sincerely, Rose S*Executive Assistant to the President/CEO
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
June 8, Re: ID *** Dear Ms***, I am writing this letter on behalf of First Commonwealth Bank in response to the letter sent to your office by *** *** *** In this letter Mr*** explained that his account was overdrawn due to an online purchase made in error
using the wrong accountMr***, who is in the military, was unaware that the account was in an overdrawn status and the subsequent fees that were assessed due to this, because he was deployed and out of the countryWhen he learned of the state of his account, he did make a payment to bring the account current, however the notification that he received was outdated, and additional fees had been assessed to the accountFurthermore, when Mr*** contacted the bank, he was advised that the account had been closed and sent to collectionsHe would like the bank to look at their policies in handling matters like this and consider ways to communicate with customers about their account activity other than out mailing notificationsI did reach out to Mr*** on Thursday, June 4, to discuss this matter with him personallyI explained the process that the bank uses to notify customers when there account is overdrawnThe initial notification is mailed out to the customerThe branch does make courtesy calls if the account is not brought current as wellI also explained that we have additional services like Online and Mobile Banking that will allow him to set up account alerts concerning his current balancesMr*** was a valued customer of the bank and I am sincerely sorry that this happened while he was away serving our countryI am refunding Mr*** the full $in fees that he was assessed via check to him todayThis check will be mailed to the address that was confirmed with Mr***We are committed to providing our clients exceptional service and assistance with their financial needsShould Mr*** choose, I would be happy to assist him with reopening his account Sincerely,*** ** ***Vice President
June 21, 2017 Ms. [redacted] notified your office for an update on a request she made for information to be removed from her credit reporting and requested that her account ending in [redacted] be removed from the CHEX Systems. I have received confirmation that the credit reporting has been updated and the account has been removed from CHEX Systems effective close of business today. Changes submitted to the credit reporting bureaus can take up to 60 days to be reflected. Please note that these actions, along with the reversal of the outstanding balanced owed First Commonwealth, were completed as a one-time courtesy to Ms. [redacted]. Thank you,Rose S[redacted]
April 13, 2016RE:[redacted]Dear Ms. [redacted]We are in receipt of your letter dated March 29, 2016 regarding an issue that was submitted to the Revdex.com by [redacted] The Revdex.com has assigned this as issue # [redacted] In Mr. [redacted] statement he indicates that he was not...
satisfied with the response to his issue that was filed with the FDIC in April of 2015. He finds the bank's disclosure of Overdraft practices are confusing and feels that the bank failed to make him aware of how these fees are applied. Mr. [redacted] is asking that we waive his outstanding balance and re-establish his account to good standing.In researching, Mr. [redacted] opened his account on September 22, 2014 at our [redacted] Office. At account opening, First Commonwealth provides all clients with a copy of the Schedule of Service Fees. This document discloses the bank's fees that may be charged to the account based on the activity of the account. At the account opening, the client did not choose to opt- out of the overdraft practices, nor did he establish overdraft protection on his account. Mr. [redacted] was also provided a copy of the Electronic Funds Transfer form, disclosing the client's rights and obligations for specific transactions, types of transfers, frequency and dollar limitations that may occur on his account. Mr. [redacted] acknowledged receipt of this information on September 22, 2014.On March 4, 2015, an electronic check was presented for payment against Mr. [redacted]' account from [redacted]l in the amount of $31.55. On this date, the account balance was $0.39. Since the check presented was an electronic check, it was paid and a paid-item fee in the amount of $35.00 was assessed the account. As the account was not made current after the fifth day, the daily continuous overdraft fee began to incur. Mr. [redacted] did not make a deposit to bring his account current.In reviewing the circumstances of Mr. [redacted]' transactions, it was determined that the account was handled properly and the fees assessed were in accordance with bank policy and practices. In April of 2015, Cassandra C[redacted] of First Commonwealth had offered to work with Mr. [redacted] to see how we could partner with him to bring his account back to good standing. That offer was not accepted by Mr. [redacted] and he did not contact her to make arrangements. We hope that this information provides additional understanding for Mr.[redacted] regarding the handling of his account.Sincerely,Rose S[redacted]Executive Assistant to the President
Revdex.com:
Although I have completely different processing paperwork to prove the transaction dates, I will accept the business response. Thank you for all of your help in this matter.
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]
: I had a dispute with them the only part not completed was proof of removal from Chex systems and the major credit bureaus.Please submit proof to me that this part of the initial case is taken care of
Thank you for your help
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]
Dear Ms. [redacted]First Commonwealth is in receipt of the complaint filed by our client [redacted] regarding an outstanding balance due by Amazon. First Commonwealth has inquired about the outstanding refund and have not received documentation as to when we can expect the refund. We still have...
a ticket open and are investigating. As soon as we are provided an update, we will forward this along so that we can close out this issue for our client.In the meantime, if you have any questions, please feel free to contact me directly at [redacted].Thank you,Rose S[redacted]
March 23, 2018[redacted] Revdex.com 400 Holiday Drive, Suite 220 Pittsburgh, PA 15220RE: [redacted] # [redacted] Dear Ms. [redacted],First Commonwealth Bank (FCB) is in receipt of issue that was filed by Mr. [redacted]. In his summary, Mr. [redacted] questions an unauthorized charge from a...
rental company, debit card reissuance, statements being mailed to the wrong address, unauthorized access to his checking account by another client, and a request for a refund of fees.Mr. [redacted] notified FCB of an unauthorized charge to Payless Car Rental dated 1/17/18 in the amount of $501.00. FCB initiated a provisional credit on 1/18/18; place the funds back into the account while the charge was being investigated. On 3/05/18 the provisional credit was reversed as Payless Car Rental provided evidence that the transaction was legitimate based on the contract Mr. [redacted] signed.While the above transaction was reported as potential fraud, a new debit card was ordered for Mr. [redacted] and shipped to the address on file. During transit, the client had changed his address. The US Postal Service will not forward debit or credit cards, therefore the card was returned back to FCB. Once the card was received, FCB made arrangements to have it express shipped to the client. We were not able to accommodate the normal 7-10 business day turnaround time due to the fact that we awaited the return of the new debit card. The client verified receipt of the card and the card was activated.Mr. [redacted] inquired how his mailing address was changed to a friend's address. In March of 2017, FCB received an electronic postcard from the U.S. Postal service noting a "Family Move" submitted by an individual residing at [redacted]. When processing this type of address change, all accounts associated with this address are changed as part of a family move. Mr. [redacted]'s account was changed to [redacted] until he notified us in January 2018 that he was moving to [redacted].Mr. [redacted] indicates that his girlfriend is able to access the funds in his checking account although she is not authorized on his account. Mr. [redacted] and Ms. [redacted] have a joint savings account that is titled in both their names; however, their checking accounts are solely titled.Ms. [redacted] is able to access the funds from the joint savings account, not Mr. [redacted]'s checking account. Funds were transferred from Mr. [redacted]'s checking account into this joint savings account and Ms. [redacted] was then able to remove the funds and place them into her checking account.The fees that were assessed Mr. [redacted]'s account were in line with the terms and conditions that were disclosed to the client at account opening. Therefore, since they were not the result of a bank error, FCB will not waive the fees. FCB has maintained a professional relationship with Mr. [redacted]; however it has become more and more difficult to service him to his satisfaction. At this time, we will close all accounts with an effective date of April 20, 2018. This will allow Mr. [redacted] to make any necessary direct deposit changes. In these 30 days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] I did not receive that order, it was turned aroumd midshipmen and I was told by overstock the purchase was refused. So it went back to overstock.I also do not understand that neither me or my mom had a card due to fraud. Which this was I had it turned around, why was it even applied to an already negative account. I don't agree because I spoke to both companies to have this transaction stopped, it was never delivered here it was delivered to overstock, the truck was turned around. I should be credited. Please correct this.
Ms. [redacted],Attached is our findings of the issue that was submitted to your office by [redacted], ID # [redacted]. Our response was also sent to Ms. [redacted] via US Postal Service today, September 30, 2015. Please let me know if you have any questions or concerns regarding this issue.Thanks,Rose...
June 23, 2017*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220RE: Issue# *** Dear Ms***,First Commonwealth is in receipt of the above referenced issue number that was filed at your office by our client Ms*** *** of *** *** ***In Ms
***s summary, she indicates that an ACH block was removed from her account and a vendor had accessed nearly $2,without her approval or acknowledgment.Ms*** has been working with two First Commonwealth employees to resolve an issue she had with our third party vendor*** *** *** ***(*** ***)Ms*** entered into an agreement with *** *** in August of for merchant services for her business*** *** ***Ms*** upgraded her service which required an additional contract with *** ***, leaving her with two open contractsIn April of 2015, prior to the expiration dates of the contracts, Ms*** terminated her service; therefore, *** *** attempted to collect the two early termination fees as disclosed in her contractsWhen *** *** attempted to collect these fees, Ms***s account rejected the payment due to Non-sufficient funds*** *** did not attempt to collect the fees immediately, however waited until January 8, 2016.First Commonwealth was notified of this by our client in November The allowed timeframe to dispute charges had expired, but First Commonwealth attempted to resolve the issue directly with *** *** on the client's behalfSince Ms*** entered into the agreements with *** ***, terminated service prior to the expiration date and the early termination fee(s) had been disclosed to Ms***, *** *** was not willing to refund the fees to our client.First Commonwealth values the relationship with Ms*** and her businessAlthough these fees were not charged by First Commonwealth, we are happy to compensate her one of the early termination fees, in the amount of $592.82, as a courtesyThis will be reflective in her account by June 30th.I hope this explanation is helpful in understanding the circumstances regarding the issue with Ms***s business checking accountIf you have further questions or concerns, please feel free to contact me at *** ***.Sincerely,Melissa B***, Senior Vice PresidentSenior Product Group Managercc: ** *** *** *** ***
May 15, 2017*** ***Dispute Resolution SpecialistRevdex.com of Western PAHoliday Drive, Ste 220Pittsburgh, PA 15220Dear Ms***,First Commonwealth is in receipt of an issue filed with your organization by our client, *** *** and assigned an ID number of ***In Ms***'s claim, she indicated that she cancelled an order to Overstock and the merchandise was never received, therefore she should not be responsible for the charge to her account.On September 13, 2016, Ms*** disputed a transaction on her account ending in *** in the amount of $to PayPal OverstockFirst Commonwealth applied a provisional credit for the client in the same amount and proceeded to dispute the charge with the merchantThe merchant provided evidence that the merchandise was delivered to the client's confirmed address on file via FedEx tracking number ***The merchant also provided the order number of *** for this transactionSince the merchant provided evidence that the merchandise was ordered and delivered, the provisional credit was reversed.Ms*** indicated that the order she felt was disputed was cancelled and that PayPal issued the credit to the wrong account; however, Ms*** provided an order number that was not consistent with the transaction noted above but was for order number ***.A dispute with a merchant must be made within daysSince we have exceeded this timeframe, First Commonwealth is unable to dispute any additional charges from the September 6th date but will reverse the $charge as a one-time courtesy to the client in an effort to bring this issue to a closeThis reversal will bring the client's account to a zero balance.If you have any questions regarding this issue, please feel free to contact me at ***.Rose S
*Executive Assistant to the President & CEO
April 25, *** ***
*Executive Assistant to the President
*** *** *** ***
*** ** ***RE: Revdex.com case # *** Dear Ms***,First Commonwealth was notified of an issue you opened with the Revdex.com regarding your checking account ending in ***This account is jointly owned by both
you and *** *** ***You indicated in this notification that you were a victim of identity theft and you feel the amount owed on your account was a result of fraudulent charges.In researching this issue, it was determined that you notified First Commonwealth of your concerns and actions were taken to protect your accountPlease accept the following as an explanation of the activity on your account.Our Security and Fraud Department worked with you to release your Social Security deposit on October 4, to allow you access to these fundsAt this time, you withdrew funds in excess of your Social Security Deposit and your account went into overdraftRather than return this overage, your account remained negative and you were charged an overdraft fee and daily overdraft fees in accordance to bank procedure, After a deposit was received on October 31, 2016, your account remained negative by $In an effort to collect this balance, you worked with AAS to bring your account current.The amount that is currently owed on your account is $On September 6, 2016, a transaction was processed using a debit card tied to your joint account for a charge paid to PayPal for a purchase at Overstock.comLater in September, you disputed this charge as you indicated you had not received the merchandise that was orderedA provisional credit was issued your account awaiting verification from the merchantOn December 6, information was received that the order shipped and was delivered to your home address from the merchant via Federal Express; therefore, the provisional credit of $was reversedIt was determined that this charge was not a result of your identity theft and was an approved transaction.! hope this explanation is helpful in understanding your account balanceIf you have further questions or concerns, I am happy to work with you on your accountPlease contact me at *** ***.Sincerely,Rose S
November 24, Dear MsCook, I am writing this letter on behalf of First Commonwealth Bank in response to the correspondence sent to your office by *** ***In this letter MrJohnson explains that he was charged overdraft fees to his account ending #***He states that he did not
receive notification from the bank until days after the account was overdrawn, and that he did make a deposit to the account, but was then notified of additional overdraft charges that had incurredHe also explains that further, this matter was turned over to a collection office by the bankIn researching this matter I reviewed the account history and noted that an ACH transaction in the amount of $posted to the account ending #on August 27, for paymentThe bank paid the amount of the transaction in accordance with Regulation E governing electronic transactionsThe account was charged a service fee in the amount of $was assessed to the account as disclosed in the bank’s Schedule of FeesMrJohnson received disclosures concerning Regulation E and the Schedule of Fees at the time of account openingAn Overdraft/Non-Sufficient Funds Notice was sent to MrJohnson on August 27th, advising of the transaction, the fee that had been assessed for its payment, and the amount that the account was overdrawn as of that dateThe notice went on to advise that a deposit should be made as soon as possible to ensure that additional fees would not be incurredThis included a possible Continuous Overdraft fee of $per day that would be assessed after consecutive days of the account being in an overdrawn stateA second Overdraft Notice was sent to MrJohnson on September 1st, and an additional notice one week laterA deposit was made to the account on September 8, The deposit that was made was not enough to bring the account out of its overdrawn status, and additional fees were assessedOn September 23, 2015, the account was closed, due to the length of time it stayed in a negative status, and turned over to a collection agency for further actionI found that the bank acted ethically in this matter and that the fees assessed were appropriateHad Mr*** reached out to the branch or someone in the bank early on in this situation, I believe that the matter could have been settled without escalating to this pointI would be happy to discuss this further with him and should he like to do so, he can contact directly at ###-###-####.Sincerely,Cassandra ** *** Vice President cc: ** *** ** ***
March 23, 2018*** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA 15220RE: *** ** *** # Dear Ms***,First Commonwealth Bank (FCB) is in receipt of the issue that was filed by Ms*** *.***In her summary, Ms*** indicates that her
statements have been mailed to the wrong address and that she is currently living in Texas, that she has been unsuccessful in closing out her accounts and that she is able to access the checking account of her boyfriend, for which she is not an authorized owner on the account.Ms*** notified us in April of that her statement had been mailed to the home of a friend of hersIn March, 2017, FCB received an electronic postcard from the U.SPostal Service noting a "Family Move" submitted by an individual residing at *** *** ***,*** **When processing this type of address change, all accounts associated with this address are changed as part of a family moveMs***'s account was changed to *** *** ***, *** **She notified FCB that she did not move and the address was changed back to the previous addressFCB still has *** *** ***, *** ** as her legal address and all statements and other account related mail will continue to be sent to this addressIn order to change the address, Ms*** has been instructed to submit a notarized letter requesting us to update our records with her current address.Ms*** indicates that she has not been able to close out her accountSince she was not available to visit the branch to do so, FCB requested that she make her request by submitting a notarized letter indicating her instructions to close the account and disburse the balance within the account.Ms*** indicates that she is able to access the funds from the checking account of her boyfriend, Mr*** *** even though she is not an authorized owner of this accountMr*** and Ms*** have a joint savings account that is titled in both their names; however, their checking accounts are solely titledMs*** is able to access the funds from the joint savings account, not Mr***'s checking accountFunds were transferred from Mr***'s checking account into this joint savings account and Ms*** was then able to remove the funds and place them into her checking account.First Commonwealth has maintained a professional relationship with Ms***; however it has become more and more difficult to service her to her satisfactionAt this time, we will close all accounts with an effective date of April 20, This will allow Ms*** adequate time to establish a banking relationship with another financial institutionIn these days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: ** ***
October 20, *** *** Revdex.com Holiday Drive, Suite Pittsburgh, PA RE: Revdex.com ID number *** Dear Ms***, I write to you in response to the letter you received from our client, *** ***In her notification to you, she indicated that due to an error on
*Executive Assistant to the President
her part, her account went into a negative statusShe also indicated that although her husband was not aware of their account balance, he continued to use their debit card to make purchasesIn making these purchases while the account was in overdraft status, the client was charged fees for each transactionThe client is questioning the legality of the charges and is requesting refund of fees charged for any item she received a fee for, where the amount was over $In reviewing the transactions, Ms***s account went into overdraft on September 29, With each transaction, a fee was accessed per bank policyAs required, a schedule of fees is provided to each client at account opening explaining our fee structureIt was determined that since there were no errors made by the bank, the fees on the transactions noted by the client will not be waivedHowever, please note that since January 1, 2015, First Commonwealth has waived fees totaling $to Ms*** for non-bank errors in an attempt to assist herDue to what has already been refunded, we feel that we cannot continue to waive such fees as a result of her current financial practicesAs a team, we are focused on assisting all of our clients find better financial solutionsOur office manager indicated that Ms*** has been invited to discuss overdraft protection and possible debt consolidation to assist her with such circumstancesWe have discussed with her options of opting out of these charges and provided her an automatically generated letter each month informing her of her ability to opt outShe has refused to accept that help and declined our offers of sitting down to assist in finding better options and behaviorsThank you for giving us the opportunity to review this issueIf the client has further questions or concerns, we welcome her to contact her Office Manager, Nathan C*** at ###-###-#### or myself at ###-###-####.Sincerely,Rose S
*** ** *** ** *** *** *** *** ** ***Dear Ms***;First Commonwealth is in receipt of this issue you tiled with the Revdex.com and assigned issue #***You indicated that you received a promotional offer from First Commonwealth Bank: however, it was not accepted
*Collections SupervisorCc: ** ***r, Revdex.com
which caused your payment to be lateOnce the loan became late, both you and the co-signer on the account began to receive phone calls regarding the late status of your account.In researching your issue, it was determined that the promotional offer that was extended to you expired on August 30, Your payment was received September 18, in the amount of $Since the promotional offer was no longer valid, the payment was applied as a payment on the account, creating a shortfall of the amount dueWhen the account became late, the First Commonwealth Collection Department reached out to the owners of the account, both borrower and co-borrowerThat call was not returned until October 10th, at which time you indicated that you were sending in the remaining payment immediatelyWe attempted to reach both borrower and co-borrower again when the payment had not been receivedOn October 16th, you indicated that you were again sending in the payment immediatelyOn the same day, we received payment for the co-borrower and applied it to the account.When an account becomes delinquent, First Commonwealth will attempt contact with the owners of the accountWhen a co-borrower is assigned to an account, they become responsible for payment when the borrower is not able to be reachedWe apologize for any misunderstanding and confusion regarding how collection attempts are made w'hen an account is lateWe make every effort to assist you in keeping your account current.We appreciate you and your relationship with First CommonwealthPlease accept our apology for the misunderstandingIf you have any questions or concerns, please feel free to contact me at ***.Sincerely,Faith S
March 19, 2018*** ***Revdex.comHoliday Drive, Suite 220Pittsburgh, PA 15220RE: *** ** *** # *** Dear Ms***,First Commonwealth is in receipt of issue that was filed by Ms*** ***In her summary, Ms*** states that an error made in processing her cash
*Executive Assistant to the President/CEO
deposit caused her account to decline charges at a car rental business which required her to pay additional fees.Ms*** made a cash deposit after hours at a First Commonwealth ATMThe deposit was not made available to her at the close of the following business day per policyTherefore, her card declined causing her additional chargesSince this was due to a bank error, First Commonwealth will reimburse Ms*** the $additional fee she was chargedThis will be deposited directly into her account ending in 1953.Chris A***, Financial Solutions Market Leader made several attempts to reach Ms*** so we could resolve this issue but his attempts went unansweredWe offer our sincerest apologies for any inconvenience this caused and trust that Ms*** will be satisfied with this resolution.If you have additional questions, please feel free to contact me at ***.Sincerely, Rose S
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
June 8, Re: ID *** Dear Ms***, I am writing this letter on behalf of First Commonwealth Bank in response to the letter sent to your office by *** *** *** In this letter Mr*** explained that his account was overdrawn due to an online purchase made in error
using the wrong accountMr***, who is in the military, was unaware that the account was in an overdrawn status and the subsequent fees that were assessed due to this, because he was deployed and out of the countryWhen he learned of the state of his account, he did make a payment to bring the account current, however the notification that he received was outdated, and additional fees had been assessed to the accountFurthermore, when Mr*** contacted the bank, he was advised that the account had been closed and sent to collectionsHe would like the bank to look at their policies in handling matters like this and consider ways to communicate with customers about their account activity other than out mailing notificationsI did reach out to Mr*** on Thursday, June 4, to discuss this matter with him personallyI explained the process that the bank uses to notify customers when there account is overdrawnThe initial notification is mailed out to the customerThe branch does make courtesy calls if the account is not brought current as wellI also explained that we have additional services like Online and Mobile Banking that will allow him to set up account alerts concerning his current balancesMr*** was a valued customer of the bank and I am sincerely sorry that this happened while he was away serving our countryI am refunding Mr*** the full $in fees that he was assessed via check to him todayThis check will be mailed to the address that was confirmed with Mr***We are committed to providing our clients exceptional service and assistance with their financial needsShould Mr*** choose, I would be happy to assist him with reopening his account Sincerely,*** ** ***Vice President
June 21, 2017 Ms. [redacted] notified your office for an update on a request she made for information to be removed from her credit reporting and requested that her account ending in [redacted] be removed from the CHEX Systems. I have received confirmation that the credit reporting has been updated and the account has been removed from CHEX Systems effective close of business today. Changes submitted to the credit reporting bureaus can take up to 60 days to be reflected. Please note that these actions, along with the reversal of the outstanding balanced owed First Commonwealth, were completed as a one-time courtesy to Ms. [redacted]. Thank you,Rose S[redacted]
April 13, 2016RE:[redacted]Dear Ms. [redacted]We are in receipt of your letter dated March 29, 2016 regarding an issue that was submitted to the Revdex.com by [redacted] The Revdex.com has assigned this as issue # [redacted] In Mr. [redacted] statement he indicates that he was not...
satisfied with the response to his issue that was filed with the FDIC in April of 2015. He finds the bank's disclosure of Overdraft practices are confusing and feels that the bank failed to make him aware of how these fees are applied. Mr. [redacted] is asking that we waive his outstanding balance and re-establish his account to good standing.In researching, Mr. [redacted] opened his account on September 22, 2014 at our [redacted] Office. At account opening, First Commonwealth provides all clients with a copy of the Schedule of Service Fees. This document discloses the bank's fees that may be charged to the account based on the activity of the account. At the account opening, the client did not choose to opt- out of the overdraft practices, nor did he establish overdraft protection on his account. Mr. [redacted] was also provided a copy of the Electronic Funds Transfer form, disclosing the client's rights and obligations for specific transactions, types of transfers, frequency and dollar limitations that may occur on his account. Mr. [redacted] acknowledged receipt of this information on September 22, 2014.On March 4, 2015, an electronic check was presented for payment against Mr. [redacted]' account from [redacted]l in the amount of $31.55. On this date, the account balance was $0.39. Since the check presented was an electronic check, it was paid and a paid-item fee in the amount of $35.00 was assessed the account. As the account was not made current after the fifth day, the daily continuous overdraft fee began to incur. Mr. [redacted] did not make a deposit to bring his account current.In reviewing the circumstances of Mr. [redacted]' transactions, it was determined that the account was handled properly and the fees assessed were in accordance with bank policy and practices. In April of 2015, Cassandra C[redacted] of First Commonwealth had offered to work with Mr. [redacted] to see how we could partner with him to bring his account back to good standing. That offer was not accepted by Mr. [redacted] and he did not contact her to make arrangements. We hope that this information provides additional understanding for Mr.[redacted] regarding the handling of his account.Sincerely,Rose S[redacted]Executive Assistant to the President
Revdex.com:
Although I have completely different processing paperwork to prove the transaction dates, I will accept the business response. Thank you for all of your help in this matter.
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]
: I had a dispute with them the only part not completed was proof of removal from Chex systems and the major credit bureaus.Please submit proof to me that this part of the initial case is taken care of
Thank you for your help
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]
Dear Ms. [redacted]First Commonwealth is in receipt of the complaint filed by our client [redacted] regarding an outstanding balance due by Amazon. First Commonwealth has inquired about the outstanding refund and have not received documentation as to when we can expect the refund. We still have...
a ticket open and are investigating. As soon as we are provided an update, we will forward this along so that we can close out this issue for our client.In the meantime, if you have any questions, please feel free to contact me directly at [redacted].Thank you,Rose S[redacted]
March 23, 2018[redacted] Revdex.com 400 Holiday Drive, Suite 220 Pittsburgh, PA 15220RE: [redacted] # [redacted] Dear Ms. [redacted],First Commonwealth Bank (FCB) is in receipt of issue that was filed by Mr. [redacted]. In his summary, Mr. [redacted] questions an unauthorized charge from a...
rental company, debit card reissuance, statements being mailed to the wrong address, unauthorized access to his checking account by another client, and a request for a refund of fees.Mr. [redacted] notified FCB of an unauthorized charge to Payless Car Rental dated 1/17/18 in the amount of $501.00. FCB initiated a provisional credit on 1/18/18; place the funds back into the account while the charge was being investigated. On 3/05/18 the provisional credit was reversed as Payless Car Rental provided evidence that the transaction was legitimate based on the contract Mr. [redacted] signed.While the above transaction was reported as potential fraud, a new debit card was ordered for Mr. [redacted] and shipped to the address on file. During transit, the client had changed his address. The US Postal Service will not forward debit or credit cards, therefore the card was returned back to FCB. Once the card was received, FCB made arrangements to have it express shipped to the client. We were not able to accommodate the normal 7-10 business day turnaround time due to the fact that we awaited the return of the new debit card. The client verified receipt of the card and the card was activated.Mr. [redacted] inquired how his mailing address was changed to a friend's address. In March of 2017, FCB received an electronic postcard from the U.S. Postal service noting a "Family Move" submitted by an individual residing at [redacted]. When processing this type of address change, all accounts associated with this address are changed as part of a family move. Mr. [redacted]'s account was changed to [redacted] until he notified us in January 2018 that he was moving to [redacted].Mr. [redacted] indicates that his girlfriend is able to access the funds in his checking account although she is not authorized on his account. Mr. [redacted] and Ms. [redacted] have a joint savings account that is titled in both their names; however, their checking accounts are solely titled.Ms. [redacted] is able to access the funds from the joint savings account, not Mr. [redacted]'s checking account. Funds were transferred from Mr. [redacted]'s checking account into this joint savings account and Ms. [redacted] was then able to remove the funds and place them into her checking account.The fees that were assessed Mr. [redacted]'s account were in line with the terms and conditions that were disclosed to the client at account opening. Therefore, since they were not the result of a bank error, FCB will not waive the fees. FCB has maintained a professional relationship with Mr. [redacted]; however it has become more and more difficult to service him to his satisfaction. At this time, we will close all accounts with an effective date of April 20, 2018. This will allow Mr. [redacted] to make any necessary direct deposit changes. In these 30 days, all applicable terms and conditions that were disclosed at account opening will remain in effect.Sincerely,First Commonwealth BankCC: [redacted]
Address: [redacted] Last four of account # [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted] I did not receive that order, it was turned aroumd midshipmen and I was told by overstock the purchase was refused. So it went back to overstock.I also do not understand that neither me or my mom had a card due to fraud. Which this was I had it turned around, why was it even applied to an already negative account. I don't agree because I spoke to both companies to have this transaction stopped, it was never delivered here it was delivered to overstock, the truck was turned around. I should be credited. Please correct this.
Ms. [redacted],Attached is our findings of the issue that was submitted to your office by [redacted], ID # [redacted]. Our response was also sent to Ms. [redacted] via US Postal Service today, September 30, 2015. Please let me know if you have any questions or concerns regarding this issue.Thanks,Rose...
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