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Report: #284522

Complaint Review: FIRST CONVENIENCE BANK - KILEEN Texas

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  • Reported By: CLEVELAND Texas
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  • FIRST CONVENIENCE BANK P.O. BOX 937 KILEEN, Texas U.S.A.

FIRST CONVENIENCE BANK WITHDREW $432.07 FOR DIRECT TV THE BILL WAS MY SONS AND NOT MINE THEY TOOK OVER 200.00 IN NSF CHARGES AS WELL KILEEN Texas *EDitor's Suggestions on how to get your money back into your bank account!

*UPDATE EX-employee responds: Let's get this straight....

*UPDATE Employee: Call DirecTV

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On 9-11-07 fcb paid Direct TV $423.07 from my account without my knowledge. The Direct TV bill was my sons bill. Direct TV transferred the bill to my account because we have the same last name. I called FCB and explained what had happened and they refused to return my money. I was told that Direct TV would have to return the money.

I contacted Direct TV several times without any results. I was told by Direct TV that "I needed to provide a copy of my sons bill." Only then would they return my money. By this time I was $700.00 over-drawn with First Convenience Bank.

The first week of October FCB refunded my $423.07 for 45 days. Pending any dispute from Direct TV. I was told that if Direct TV continues to dispute my claim that FCB would return my money to Direct TV. I was not refunded all of the over-draft charges and I still have one hot check out.

This has caused a "domino effect" for me. I am a single Mother and my child support is on direct deposit to my bank account as well as my payroll checks. Therefore as soon as anything hit the bank it was gone, leaving me without any money to support my family. I was in a very bad financial position for weeks due to this incident. I have still not completely recovered from it yet. As I said, I still have one hot check that I have to pick up for $260.00 that was to my propane company. Luckily, the lady at the propane company has a daughter that went through the same thing that I did with Direct TV in September. Therefore, they understand my situation and know that it is not my fault. Although they are giving my some extra time to pick up the check, I do have to pay another returned check fee to them.

Della
CLEVELAND, Texas
U.S.A.

EDitor's Suggestions on how to get your money back!

HERE IS WHAT RIP-OFF REPORT SUGGESTS YOU DO:

Go to your bank within 60 days of the charge, or as soon as you know about the charge, don't delay, and tell them that there has been fraudulent activity within your account. Explain that you wish to file a dispute, and demand that they assist you in accordance with Federal Regulation E.

According to the majority of victims interviewed by Rip-off Report, those who immediately called their banks to dispute the charges did not get very far. Many victims got the following responses from their banks: we could not do anything for you or you waited too long; it has been more than 60 days.

If the bank is says that you have waited too long, explain to them how you called their 800 number as soon as the charges were found, and were told by the bank that nothing could be done. Remind the bank that they failed to assist you properly at the 800 #, and instead, provided you with an inadequate explanation of your right to dispute. Tell the bank that it's their fault time has expired, and since they gave you the wrong info to begin with, they will just have to deal with it, take the loss and reverse the charges.

Tell them the truth; this was unauthorized and your account was NOT to be charged! Keep emphasizing how you never authorized anything! Direct them to the hundreds of victims reports that were filed on Rip-off Report.com. And if you're at the bank, walk them over to their computer and make them go to this site! If you are on the phone with them, tell them you will wait while they access this site! Either way, be persistent!

DO NOT TAKE NO FOR AN ANSWER!

Let them know nicely, that you were advised to Report them (the Bank) and this situation to the Banking Commission in your state. Since each state has a different name for the agency/controller over banks, find that name before you call or get to the bank so you can throw it in their face. The more knowledgeable you appear to be, the further you will get.

And just continue to demand the Federal Regulation E form! The bank CAN, MUST and WILL reverse the charge! But, you must be persistent; ask to speak to the supervisor or the area manager for all the branches in the state.

Let the bank personnel know you are meeting with the media later in the day, that you would much rather they do the right thing (as most other banks have) by looking at the complaints and immediately reversing the charge(s) to your account; no matter how long ago it was. Be sure to call the Media if necessary so you are telling the truth.

If you have to, be loud (but nice) in front of other customers. If you are just calling by phone, the above tactics should still work. The bank can easily fax or mail to you the Federal Regulation E dispute form.

CHARGES TO YOUR CREDIT CARD

If the charge was to your credit card (not debit card, check card, or checking account), contact the credit card company as soon as possible to request a dispute form. Consumers usually have a little longer to dispute fraudulent credit card charges (up to 6 months), but it is better to act right away. In this type of situation, credit card disputes are usually successful since fraudulent companies often won't contest the disputed charge. In rare cases, credit card companies will review disputes, but refuse to reverse the charges. If this occurs, complain to a manager and let them know you will be filing a report here.

Remember Don't let them get away with it! Make sure they make the Rip-off Report .. The more Reports filed on a Company or individual, the more likely it is that the authorities, media and attorneys will want to take action.

And good luck Let us know how you do!

ED Magedson Founder, Rip-off Report.com & Author of www.ripoffrevenge.com
EDitor@RipoffReport.com
badbusinessbureau.com
www.ripoffreport.com

Don't let them get away with it.
Make sure they make the Rip-off Report!

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We are Consumer Advocates.
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We are a Worldwide Consumer Reporting News Agency
...by consumers, for consumers

CLICK HERE to read about Credit Card Scams... find out how to get your money back. *Rip-off Report Investigation provides valuable information.

This report was posted on Ripoff Report on 11/13/2007 07:40 AM and is a permanent record located here: https://www.ripoffreport.com/reports/first-convenience-bank/kileen-texas-76540-0937/first-convenience-bank-withdrew-43207-for-direct-tv-the-bill-was-my-sons-and-not-mine-t-284522. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#2 UPDATE EX-employee responds

Let's get this straight....

AUTHOR: Sweet1 - (U.S.A.)

POSTED: Wednesday, August 20, 2008

First of all your title is all wrong First Convenience Bank did not withdraw the money from your acct. Direct TV did. FCB paid an item being presented against your acct. Direct TV got the acct number somehow, probably from you or your son. Perhaps you paid a bill for him once and when he became past due they debited the acct or maybe he accidentally chose an option to set up auto payments on the acct when he paid a bill over the phone. FCB will issue a provisional credit while the charges are investigated. It usually takes longer for the bank to reverse the charges than it would if you called Direct TV and handled it yourself. You even said that they were willing to credit you if you would show them the bill. A company is not going to credit you without seeing proof. Next time be more careful with who you allow to have access to your acct number and maybe you should have filed your Rip Off Report against Direct TV as they are the ones who debited your acct without authorization....

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#1 UPDATE Employee

Call DirecTV

AUTHOR: Michelle - (U.S.A.)

POSTED: Wednesday, May 21, 2008

Sometimes companies, such as DirecTV, will not work with your bank. They are not the person on the account therefore most companies will not disclose any information. Try calling DirecTV directly or better yet, have your son call them. You guys will have a better chance. Also, somebody had to have given them your account number. If it wasn't you, you might want to talk to your son.

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