- Report: #1247279
Complaint Review: First Convenience Bank - Houston Texas
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First Convenience Bank
6102 Scott St Houston, 77021 Texas, USA
Phone:
800-903-7490
Web:
https://online.1stnb.com/LoginAdv.aspx?qs=yX9kMC9dy6Xmxp8jVNQ3hg%3d%3d
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First Convenience Bank First National Bank of Texas Nickel and dime you to death, create scenarios to hit you with a hidden fee, won't refund a fee unless the other party admits fault-even when it is not their fault Houston Texas
First Convenience Bank is just designed to prey upon the poor and disadvantaged. I was introduced to them when I was a bit down on my luck and in a homeless shelter in 2013. I have since completed my Bachelors degree and obtained a position as an office manager for a tax service. Their customer service has always been atrocious but they have now become just plain rude.
A few weeks ago I tried using an ACH to load my Google Wallet, but I noticed that there would not enough funds to cover the Google Wallet transfer so I called Google and cancelled the transaction. A few days later I check my account and it is in a negative balance. It appears they allowed the transaction to go through and when I told them I called Google Wallet and have a cancellation email, they simply said I do not understant that an ACH cannot be stopped. I have worked in accounting departments all my life and I know an ACH can be stopped. They said the only way they will refund the overcharge fee was if I agreed to block all charges from this service and have them fax a statement that this was a banking error. It was First Convenience Bank's error, not Google. Google even went so far as to call the bank to help me, but they were adamant about keeping those fees. The only person who would help me was a manager at the bank who said just get them a letter stating it was an error, as that is the only way any fee can be refunded. It is an organizational policy as they were refunding so many fees because so many people complained about the hidden or excessive fees. Google gave me the letter and First Convenience refunded the fee.
During all of the confusion, I lost my debit card and my tablet. The next week I did get my new debit card from First Conveniece Bank and I tried to load my Google Wallet and that was declined. While I was inquiriing about the Google Wallet denial, I noticed about $100 in webcam site billings. I had not been on that site in a while, and called the bank to block that site and they said they initiate a claim to get the funds replaced. The claim investigator denied my claim in a day so I had to get a manager to call the webcam site with me and the site agreed to refund my charges. A day later I find that the site only refunded 3 or the cheapest charges and held on to the remaining higher 2 charges. I called the bank back and she just said they is no way they would refund my money and she would call the webcam site with me. I got a really mean and belligerent rep at the webcam site who talke to me like I was a criminal and the bank manager told me to quit talking over her when I tried to refute anything she was saying. She was taking the webcam sites side and accused me of lying to her about everything. Needless to say I went to another bank the same day and opened an account. When I inquired about returning the fees for the refunded amounts they said that the refunded charges do not mean it was an error and they would need documentation it was an error. I hung up and I am attempting to contact a lawyer to see what can be done about that bank. I have already started a direct deposit to a reputable bank and will be closing the account the moment I receive confirmation that my direct deposit to the new account goes through.
Be smart do not bank with First Convenience Bank. They have nothing but contempt for their customers and give the poorest custormer service I have ever encountered. If you must deal with them, be prepared to deal with unscurpulous practices and be nickeled and dimed to death. I thank GOD I am done with them.
1 Updates & Rebuttals
Striderq
Columbia,South Carolina,
USA
some clarification for you...
#2General Comment
Sun, August 09, 2015
Stopping ACH transactions: They can be stopped if done before the company sends the request to the bank. Usually best if done at least seven days before ACH date. If done within three days, the company has already sent the request to the bank. The bank must process it. If there is a stop payment, the bank will reject it. If no stop payment, the bank processes. Depending on amount of ACH and available funds and bank policy, it may be paid causing an overdraft. Not the bank's fault, the account owners fault for not having the funds available fo a transaction they authorized.
Refunds: each bank has specific policies about when they will refund. As long as they are consistent with these policies, there's no rip off. All banks will refund if the other company provides documentation that it was their error. If not the other company's error, then some will refund a portion of fees and some will not refund. There's no law saying the bank has to refund any fees if a bank error did not cause them.
Denial of card transactions: Because the debits came from a company that you had done business with before, there is no fraud involved. If no fraud involved, the bank doesn't refund. All banks I know of have this policy.
Your new bank: Given the same circumstances the same result will occur. Keep a wrtten register and keep the account balance positive and you won't get any OD fees.
And, no I don't work for this or any bank. Just letting you know why what happened happened. Truly an inconvenience but not a rip off.
