First Convenience Bank First National Bank Texas are Frauds. MUST READ..MUST READ..Took days to refund an accidental merchant overcharge even though refund was refunded 38 sec later by merchant, then charged me 2 overdraft charges for that same tran Kileen, Texas

First Convenience Bank/First National Bank Texas is scammers and frauds. I don't understand how they are still in business. 

On January 18, 2011 I went to the doctors, my account balance would have been $67.79, I had to pay $10, they accidently punched in $100, and he immediately refunded $90. I have the receipt that shows the refund being refunded literally 38 seconds later. Well I checked my bank account on January 20, 2 days later (on my lunch break), and it showed it having a pending transaction of the $100 but showed nothing for the refund of $90. And even though the $100 was a pending transaction the bank had already applied an overdraft charge on the 18th.

I called the bank that afternoon when I got off work and I logged into my account and it did finally show the $90 pending, but now it still shows the $100 still pending too, so the $34.97 overdraft charge I incurred on Jan 18th was taken out of my $67.79 balance leaving me with a balance of $32.38, I had a $4.34 charge on the 19th which made my balance $28.48.

But since the $100 and $90 are still pending which when the $100 would post my account would be in the negative causes me to get charged another $34.97 overdraft charge. (Now remember I had already gotten charged for this on the 18th, which is what made my balance go from $67.79 to $32.38). 

So now my account is -$6.49 and yet both the $100 charge and $90 refund are still pending. So then on January 20th they finally post the charge and refund...But CHECK THIS OUT....They post the $90 refund to my account first, which puts it at a positive balance, then post the $100 charge to my account to put it back to a negative balance, so guess what I got charged another overdraft charge of $34.97, and then they charged this time a $2.49 account negative balance fee too.

But back to when I originally called the bank, they said oh well it takes up to three days for a refund to show, then they said in order to get this refunded I would have to have my doctor fax them a letter explaining the mistake, and to refund any charges due to their mistake, well I had to wait because the whole office went on vacation until the end of January, returning on February 1st, and then was closed that whole next week due to all the ice and snow in the DFW area, to anyone not from Texas, just remember the Super Bowl 45 media coverage, about all the ice and snow.

So now they (my doctors) are back and I called them and told them to fax this letter, aside from the fact that they think this is ridiculous and uncalled for (as I agree with them), they went ahead and sent the letter last night, at 5pm. I called the bank back at 7:00pm or 7:30pm. The bank told me they have not received any fax.  Since my doctor’s office was closed I could not confirm last night if they had sent the fax or not. So this morning (Feb. 10th) I called my doctors office and that is when I found out they had sent it at 5:00pm and the fax did go through. But he also mentioned he would go ahead and send the fax a second time.

I called the bank back AGIAN, and guess what? They are telling me they still have not received the fax. After I got upset and said I know for a fact he sent the fax. They said oh, well then the person that has to look it over probably has it, but until they can look it over and then investigate the account it will not show anything. Said they get lots of faxes every day. Told me to call back later this afternoon. 

I have the print outs of my account information for 3 different days, showing how the transactions have been pending and then officially posted from the start. The one thing I learned in College was you have to print out EVERYTHING. This way you have proof from one day to the next. Because the final thing that ever shows will make sense to an outsider. But I have the proof from day one, when I noticed this FRAUD.

My doctors office actually said, it sound like they are just trying to scam you, they are just hoping that I will forget about this and just let it go, because usually the longer something takes and the more time that goes by, most people will just say oh well, forget it. NOT ME.

I hope a lawyer reads this and can maybe suggest a plan of what to do. There should be a class action lawsuit against them. I have paperwork showing how they adjust the charges and refunds to make more money for the bank. That is FRAUD and THEFT.

I have never had a bank do this.  I assure you after my last already arranged automatic deposit comes in, I WILL CLOSE THIS ACCOUNT, and NEVER OPEN another account with them.