Complaint Review: First Convenience Bank - Fort Worth Texas

i have read my terms of this bank.everyone knows if you overdraw your account you will be charged fees,but when you dont overdraw,and you have money in the bank,and you still get overdraft charges you are being ripped. the bank needs to change the terms to"if you open an account with us and intrust your hard earned money with us,you can kiss it good buy."sorry but your bank must be a good one,because this bank is taking peoples money for "no good resson". i do keep a register and it reads the same as my print outs do,and when you try to tell them what your register says they tell you that your register dose not count.been told this about 9 or 10 times now from this bank. look at the reports i am not the only one this bank has done this too. look around on the internet,hundreds of people have been done the same way,and this bank dont seem to care.only thing is to find the other reports you half to know all the names this bank gose by. when you try to resson with this bank it dose "no"good to them you are wrong and they are correct,i have hAD THEM TELL ME THAT I AM DUMB AND MY REGISTER DOSENT MEAN A THING,ALSO TIERD OF BEING SCREAMED AT BY THE PEOPLE FROM THIS BANK,I AM NOT DEAF I CAN HEAR JUST FINE.my boss is a self made millinar,and he has looked at my register,my printouts,my account,and he even sees how they ripped me off.was going to get loan to Clear this up(from boss)but instead he is paying to get lawyer,to prevent this bank from doing this over,and over to other people.sorry but i could see maybe 1 or 2 being wrong,but hundreds. this bank prays on poor people.oh and by the way got letter yesturday from bank,and this so called double refund they gave me,they charged me a 33.00 fee to take it back out of my account.lets just say they did give me a double refund(trust me they dident,but they have ajusted the records they have to say they did)if they did make a mistake on giving a double refund why in hell would they charge you for there mistake. thats how this bank work,fraud.i got your buy a dictionary,ya i dont spell very good,but then you dont know me and dont know that i could not finish school,because of a tragedy,that happend to me when i was 15,so go on make fun,i still am being ripped,and this is not a mistake on my part,its the banks part. i may not have completed school,but i have raised a 15 year old child by myself"with no help from anyone",until this point of opening this bank account i have been doing just fine. shur all the other people they done this to feel the same.SORRY THIS BANK SUCKS RIP-OFF-BANK.SHAME ON THEM FOR TREATING THE POOR THIS WAY, SHAME ON THEM. IF THEY WERE TAKING YOUR MONEY YOU CAN BEAT YOU WOULD FEEL THE SAME WAY.THEY ARE NOT GOING TO GET AWAY WITH THIS ANYMORE,BECAUSE WHEN THEY GO TO COURT,THEY ARE GOING TO HAVE TO COME UP WITH SOME GOOD RESSON WHY THEY HAVE CHARGED ALL THE HUNDREDS OF PEOPLE ALL THESE FEES,"WHEN THEY HAD MONEY IN THE ACCOUNT""AND NO ONE HAD REALLY OVER DRAWN".MOST PEOPLE HAVE THIS PROOF TO. ALLS I WANT IS THIS BANK TO MAKE MY ACCOUNT WRITE,SO FAR THEY HAVENT.HAVENT MADE ANY DEBITS PAST 7-21-2005,STILL OVERDRAFT FEES PILLING UP.OH YA THIS BANK WILL ALSO CHARGE YOU A 33.00 OVERDRAFT CHARGE FOR THE 2.00 FEE THE ATM CHARGES YOU. THIS BANK FALSELY DEBITED MY ACCOUNT FOR 165.00+33.00,THATS WHY MY ACCOUNT IS "NOW OVER DRAWN".WHEN THEY TOOK THE SO CALLED DOUBLE REFUND OUT(165.00),PLUSE THE 33.00,IT CAUSED MY DEBITS I MADE TO BOUNCE,EVEN MY 2.00 ATM FEE.SORRY BUT I DONT GO AROUND SPENDING MONEY I DONT HAVE.THANKS TO THEM ALL MY CHECKS HAVE BEEN RETURNED,KNOW I HALF TO COME UP WITH THE MONEY TO PAY THE CHECKS PLUS THE COMPANY FEES.

i have read my terms from this bank.first off anyone knows you will be charged a fee if you over draw,thats just fine.this bank charges you over draft fees when you havent overdrawn,and have money in your bank. sorry but you must have a good bank that dont rip you off.i know what this banks terms are, and they need to state that when you open an account with them you can kiss your hard earned money good buy. oh and by the way got letter from bank yesturday,the double refund they so called gave me,they charged me a 33.00 fee to take it back out of my account. i do keep a register,and my register matches what my printout says.did not resive double refund from this bank,what money i had posted was my paycheck,and my paypal deposits.they had no write debiting my account for money without a good resson.my boss is a self made millinar,he looked at my,"my"register,my print outs,and he even sees how they cheated me. i was going to get a loan to clear this bank account up(from my boss)but instead he will give me the money to get lawyer to let this bank know that its not ok to mess with peoples account,and not have a resson for doing it. read the other reports,i am not the only one this bank has done this too.i could see maybe 1-2 people being wrong,look around on the internet,they have done this same thing to hundreds of people,and until know got away with it. only thing is this bank gose by several different names you got to know what you are looking for. oh so sorry i dont spell perfect.said i wasent the smartiest,but do know when i am being ripped.

First, located the terms and conditions you received when you opened your account. Second, buy a dictionary. In the terms and conditions, there should be explanations for your bank's policies on holds for deposits, account fees and any other services that are charged a fee with your particular account. Can find it? Go online and search their web site. There should be a link somewhere to it. You may have to search a bit. They may not make it easy to find (I have found that there is sometimes a link if you select "open an account" option - just don't complete a new application). Do not keep a running balance based on their online statement or automated telephone service. Keep your own separate account register either on paper or using computer software. Only use the online statement to check for any fees applied to your account. If you have been charged a fee that doesn't agree with the terms and conditions of your account, THEN call the bank and complain. You will at least have some ammuntion to argue with, otherwise they can tell you anything for a reason and you will have nothing to back up your complaint and possibly get back the charged fee. It's not just First Convenience Bank. All banks charge fees for certain services and have policies which are all within banking regulations. Most consummers fail to read any of the terms and conditions they are supplied with when they open their accounts and are then surprised when their accounts are assessed fees.