First Convenience Bank First National Bank Texas Overdraft Fee Fraud and Manipulation Surprise Arizona

I have been dealing with First Convenience Bank for less than a year. When I moved to this area, this bank was available 7 days a week and I had family that used it as well. Perfect! I signed my paperwork and got a checking account. Easy enough, right?

Well as the months rolled past, I realized how this bank was able to offer such a convenient checking account and fair loan rates. THEY ROB YOU.

In the 10 months I've been a customer, they have gotten nearly $1000 in overdraft fees from my account. It's funny because suddenly purchases weren't coming out for over a week, they weren't even "pending". That's a lie because when I called, they could see it all. I got lucky enough to speak with a customer service representative who warned me of 3 purchases that although purchased over 5 days ago would be posted after business close, thus charging me $35 for each.

What's even worse is they charged me $70 for a $9 overdraft and claimed it was for something else. Now, I'm not stupid. I understand " pending" and "posted". I had an auto insurance claim pending and then it was posted and paid. Not according to the woman on the phone.

They charge you overdraft fees for pending purchases and then they charge you again once it's posted! They say " You made the purchase, too bad!"

Watch what you sign. It turns out that they had me sign a form stating that I can overdraft my account. They claimed it was some sort of "protection"?? No. This was basically allowing them to charge me repeatedly for overdrafts. 

This comes at the worst possible time. They rearrange your purchases to get more money. Don't tell me that the purchase didn't go through. I used debit just so it DOES come out immediately.

These people are crooks. They take advantage of whatever situation you may be in and then don't allow you to fix it or stop it. They take more and more and blame YOU because you're negative in your account although THEY took over $300 from you in fees I'm one week.

I wouldn't mind having a class action lawsuit against them. They have taken so much money from me (and from my family who have banked there). 

They need stronger stipulations against this. CROOKS.