- Report: #575282
Report - Rebuttal - Arbitrate
Complaint Review: First National Bank Texas
First National Bank TexasP.O.Box 937 Killeen, Texas United States of America
First National Bank Texas First Convenience Bank, Fort Hood National Bank, Overdraft Fees, Bank Fees, Mortgage, Personal loan, Free Checking, Deceptive Trade Practices, Free checking fees, Horrible customer service Killeen, Texas
If you feel youve been discriminated against, charged unusual, exuberant or unexplainable fees youre not alone. Im preparing to file a lawsuit against First National Bank Texas and their sister companies First Convenience Bank and Fort Hood National Bank for fees improperly/illegally applied to accounts and Deceptive trade practices. In my research for this Lawsuit Ive come across 1000s of complaints against various banks (Chase, Bank of America, Fleet, Household finance or HSBC, my own bank and many more) and spent countless hours reading them, along with legal dockets from lawsuits similar to mine.
Along the way Ive also spent many hours researching where to file complaints against these Banks and financial institutions. Im providing you with links and all the pertinent information I spent so much time acquiring so you dont have to do the same. In return I hope youll use this information to file a complaint with as many different agencies and consumer complaint websites as possible. This is the best way to make a change or to put them out of business. The more reports and complaints filed through proper channels and high profile Consumer Complaint Websites the more likely these companies will be investigated by a governing authority, their licensing division or news press. These investigations lead to professional findings (which can be used as evidence in court), fines, government restriction, new consumer protection laws and the like. So Please Use the information Im providing and help make a change in the way these financial institutions do business. THANKS
Follow these steps and you will have a legal complaint that will hopefully resolve your issue without having to go to court. If not at least you have record of the complaints, which is necessary in most states prior to filing a lawsuit. Not to mention you may have started an investigation into the company by a federal, state or licensing agency whose results will greatly help you in your lawsuit against the company and bring them lots of bad press.
1. Start by speaking with the branch manager or the financial institutions Customer service representatives; make sure you are calm and polite. Assume they will want to help. Clearly state your problem. Very often the bank will offer to set the problem right. Be clear about what the problem is. Keep notes of who you spoke with, the date, time and what was discussed (The Bank does and youll thank me for this if you have to go to court or file complaints with governing authorities).
If you dont get satisfaction from a manager, you may get results by contacting the corporate headquarters or main bank branch. Send a well written letter with your name and address, the name and address of the bank or financial at the top along with the date. Your heading should read something like (FINAL DEMAND FOR ACTION). Clearly state your issue or problem. Include the dates, times, who you spoke with, what was discussed and the results of the discussions, be clear and professional. Attach copies (not originals!) of receipts and other documentation to support your case. Use a computer or typewriter and spell check your letter. I prefer to send the letter Certified mail (signature required) to the bank or institution. Make sure you send it certified mail or they may deny receiving it.
2. If the business will not resolve a problem directly, you can file a complaint with your state attorney generals office (Google- your state attorney general complaints) for Texas its http://www.oag.state.tx.us/consumer/complain.shtml. Make sure youve filed a written complaint with the company first. When you file your complaint with the attorney generals office, the complaint should explain in detail, with documentation, what the problem is, who it is with, and what you have done to try and resolve the complaint. In particular it should:
A. Identify the business. Include the name and current address of the business.
B. Describe the problem. Describe as completely as you can the problem with the product or service you have purchased. Were you told something that was untrue? Describe what you were told and how it was untrue. Is it defective? Explain what is wrong. Did the business refuse to honor a warranty? Explain what needs repair and include a photocopy of the warranty.
C. Include photocopies. Always include photocopies of documents relevant to your complaint receipts, warranties, both sides of cancelled checks, contracts, etc. Do not send originals. Only send copies.
3. File a complaint with the BBB (Better Business Bureau) at their website http://www.bbb.org , but only if the complaint is concerning billing practices for services or procedures. Include the same information and supporting documentation you submitted with the State Attorney Generals Office.
4. File a Complaint with the FTC (Federal Trade Commission) https://www.ftccomplaintassistant.gov, again include the same information and supporting documentation you submitted with the State Attorney Generals Office. If youre military you can also file a separate complaint with the FTC here at http://www.ftc.gov/sentinel/military/index.shtml
5. File a complaint with the licensing or regulatory authority. They accept and review complaints. The banks and financial institutions they license must answer complaints in order to remain in good standing and keep their license to do business in your state. This information has to be made readily available and is usually found in the form of a poster near the teller counter. If its not; ask one of the tellers where this information can be found. For Texas its http://www.banking.state.tx.us/dss/ccmain.htm
6. Filing Individual Fair Lending Complaints
Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [HUD] or one of the federal regulatory agencies listed below. Individuals may also file their own lawsuits under both the Fair Housing Act and ECOA.
Individuals who believe that they are the victims of other unfair credit transactions should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate are as follows:
Office of Thrift Supervision [OTS]: Savings associations and federally chartered savings banks (the word "Federal" or the initials "F.S.B." appear in federal institution's name).
Comptroller of Currency [OCC]: National banks and federal branches/agencies of foreign banks (the word "National" or the initials "N.A." appear in or after the bank's name).
Federal Reserve Board [FRB]: Financial institutions that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks.
Federal Deposit Insurance Corporation [FDIC]: State chartered banks that are not members of the Federal Reserve System.
National Credit Union Association [NCUA]: Federal credit unions (the words "federal credit union" appear in the institution's name).
Federal Trade Commission [FTC]: Retailers, finance companies, creditors (including most mortgage companies) that are not assigned to another agency.
7. If you feel youve been discriminated against by a financial institution, file a complaint with the DOJ (Department of Justice) http://www.justice.gov/actioncenter/complaint.html. Theyve won many suits against financial institutions for discrimination and unfair practices.
8. Write to the Troubleshooter divisions of all your local TV stations and newspapers. Businesses hate bad publicity.
9. File a copy of your complaint to the State Attorney Generals Office or FTC on every consumer complaint website that shows up in a Google search for them. Some examples include.
8. Digg and Propeller
10. Check to see if theres a current class action lawsuit against them. If not take them to small claims court for claims under $2500 or Civil Court for claims over $2500 (Amounts may vary depending on your state). Filing fees and court cost in most states are $35-50 for small claims court. Make sure in your complaint / small claims suit you always ask for court costs, filing fees, collection costs, attorneys fees and interest.
This report was posted on Ripoff Report on 02/27/2010 01:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-National-Bank-Texas/Killeen-Texas-76540-0937/First-National-Bank-Texas-First-Convenience-Bank-Fort-Hood-National-Bank-Overdraft-Fees-575282. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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