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First Convenience Bank [FCB]
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First Convenience Bank [FCB]
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1.8 76 Reviews

First Convenience Bank [FCB] Complaints Summary

16 Resolved
60 Unresolved
Our verdict: When using services from First Convenience Bank [FCB] with a poor resolution rate, be vigilant. Understand the common pitfalls other customers have faced. Prepare thoroughly for any interactions with their customer service, and consider alternative solutions if your issues are not addressed satisfactorily.
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First Convenience Bank [FCB] reviews & complaints 76

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5:26 pm EST

First Convenience Bank [FCB] draft overdraft charges on daughters closed account

Looking at previous reviews, there isn’t much more that can be said about this bank, but here you go.

My daughter inadvertently over drafted. Within 2 days, the OD charges had run up to $300+. We went down and took care of the charges, as well as closing the account. They tried to get her to leave the account open with a dollar in it. (I'm sure this was so they could find other charges to collect)

We refused and closed the account. 5 days later, a netflix $9.00 charge came in, which sent the already closed account into OD again? At this point, they started adding up daily charges for OD. They kept doing this for 2 months, without any contact. At this point, they sent to collections and are calling her 5+ times a day.

She is a struggling single mother, trying to make ends meet. I could help out and pay these fees again, but whats to say that this wont happen again as the account was already closed.

I put some of the blame for how this bank is preying on people who are having difficulties, on Walmart, as Walmart must know of their business practices, and lets them prey on their customers.

Start taking your complaints to the grocery stores who are hosting these banks.

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CherK
Houston, US
Jul 08, 2011 10:01 pm EDT
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I lost my job, the bank knew of my payday loans I could no longer pay. I was told to do an open and close account I did I was given a new account. I came in made a deposit to find out the close I did 2 days before had not prevented the 'closed account' from being charged. The account charges were $39.00. I spoke to a customer service phone rep who originally refunded that charge, however the account was in reality not closed! The bank teller inside had said it was alright, no problem. (ha ) Returning two days later I was told they were sorry, but for some reason it could happen again! "What the?" Should the charges reoccur on an aacount that is closed makes very little sense to me. I was also told if charges reoccur again within 24-48 hours the location manager may not refund me the $39.00 ! OUT RIGHT THEFT! BANKS ARE BANDITS. I by all means will report this to the grocery store manager that houses this bank. I will follow up with a call to the BBB as well,

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whocares9111
Atlanta, US
Jan 30, 2011 1:17 am EST

You need to cancel the card on file with Netflix. It was a automatic debit every month that was already authorized. When it came through for the month it automatically re-opened the account.

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1:44 am EST
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First Convenience Bank [FCB] personel

one month ago i went to this bank and i had a problem with a check that some one stold. but the employees at this branch were clueless and they did not know what to do when we were explaning that someone had stold a personal check and they dint know what was going on so basicly the staff has no expirience to work in a bank and. oooo and one thin im not trying to be racist or any thing they were black and they atended ther people better then any other race i was ther for about an four hours and that branch dont know nothing

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1:13 am EST
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First Convenience Bank [FCB] horrible bank

Well I am taking a stand against the bank, send any and all information about how the bank has treated/wronged you, if you would like to help then please contact:
David Espinosa, Legislative aide to:
Roberto R. Alonzo
district 104
The Texas House of Representatives
Phone: [protected]
Fax: [protected]
email: david.[protected]@house.state.tx.us
Address: 400 S. Zang Blvd
Suite 801
Dallas, Tx 75208
We cannot allow this to continue!

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569233
houston, US
Jun 19, 2011 7:19 pm EDT

i know something needs to be done about this bank. i am joining in this because this bank preys on its customers and isn't in the best interest of its clients.
i hope someone listens

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jklarr
marble falls, US
Dec 16, 2010 7:02 pm EST
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Aww thanks so much.. you touch my ♥, , , maybe I will be one of those who make changes.. unlike most who sit there and give their own meaning less advice or thoughts... either way.. at least Im doing something about it...

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jklarr
marble falls, US
Dec 16, 2010 6:21 pm EST
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No thanks anyways for your deep concern But the Attorney General has looked outside his box and sees what is going on... you and sparky make a awsome team, , too dumb dumbs who have no life but to come on here DAILY and see who they can get their rocks off on with ignored comments... lmao

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jklarr
marble falls, US
Dec 15, 2010 9:16 pm EST
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oh my mistake ... SAVE you not say.. okay... big boy..

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jklarr
marble falls, US
Dec 15, 2010 9:14 pm EST
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No...that's cool Sparky sounds like he has as much intelligent s as yourself.. and I was just trying to say you from looking stupid.. but my mistake, , you got it next time read the whole post...

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jklarr
marble falls, US
Dec 15, 2010 8:47 pm EST
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if you look at the balance you would see that there was plenty of funds... its what they did that messed it up.. do you see where it says balance of 110.19... L(.)(>)k... there shouldnt have been any fees funds were there...

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jklarr
marble falls, US
Dec 15, 2010 8:44 pm EST
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That wasnt the problem, , read before you post...

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jklarr
marble falls, US
Dec 15, 2010 7:27 pm EST
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maybe you should be.. you seem to be full of it..

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jklarr
marble falls, US
Dec 15, 2010 6:15 pm EST
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This psuguy58, , must spend alot of time on here posting stupid remarks.. well to bad you dont post something worth saying..duhhhhhhh its ppl like you that work for these BANKS that give them a BAD name as far as how to show emphathy, , which puts you right in the complaints on "BAD CUSTOMER SERVICE, " I worked in customer service all my life and rather a person is wrong or upset, , maybe all they need is someone to show that they care, , , , THAT IS WHAT YOUR LACKING JERK... you could have made your point without rubbing it into their face... Let me guess your life is perfect and no one has ever wronged you...right? You have never been screwed over or treated like your treating these ppl on here? Yea right.. Its ones like you who should NOT BE IN CUSTOMER SERVICE... smoke that in your perfect pipe..

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jklarr
marble falls, US
Dec 15, 2010 6:07 pm EST
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I have proof that the banks system or ppl are taking payments that have already been paid to the merchant and 24 hrs after they are paid and cleared they are taking pending charges and charging me overdraft fees 5 of them... went in and I recorded the conversation with her knowledge even though she stormed out of the room saying then she has to get someone.. well I had turned it on already before she walked out of the room.. by the end of the meeting, , after another supervisor joined in with any lies they could tell, I gathered up the papers including the one that they printed.. wish I had looked closer at it at the time... cause what I have is a gold mine.. they printed for me the times of all my charges when they were pre auth and when they were wdl purch which is when the merchant actually got payment... and it the charge would be no longer in pending status, well the 3 checks that on my online bank statement which I checked before I even went into town showed as paid and cleared.. I had a balance of 110.00 per my attachment, , and no pending charges, , , went to heb and the ups, , mind you had 110. in my account.. only wrote the amount for 64.00 and 12.00 and some cents, , which still had funds left over, , well to my surprise I checked my account on Monday and bam... over 260.00 in bank charges.. I flipped... they took the 3 that cleared and thanks to their own paper work I can prove were already paid and posted over 12 hrs before I even had a pending charge.. so one they threw 3 $29.00 fees on of course Im in the neg.. well I'm with you.. I have had enough .. I cant sleep, I am so upset, , they closed my account, , right before xmas.. now my direct deposits had to be canceled and by the time I get them in the mail its will be to late for my xmas... Im sick and tired of being victimized by these banks.. who is going to stank up for us// We put these ppl in congress, , and once they get everyone's vote we mean nothing... I want to make a youtube video.. the news... anyone who will listen.. i cant afford a laywer since Im on disability, , but Im still someone.. and I should count...
plz tell me how to contact this person ... thank you so much.. I have all the info and my bank statement posted on here if you would like to see my post complaint.. :)

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First Convenience Bank [FCB] account balance

The bank put 7 dollars in my account for a referral and I took that card to the store and the man behind the counter did everything with the card and some one from the bank called me and asked about some denial fees and I explained to her and she said she was going to clear my balance! Friday july 23 I checked my balance and it said - 45. 97 and today july 27 my account says - 200. 00 dollars and ive only had this account for 2 and a half months and im not paying this ridiculous bill nor am I banking with them anymore so I want my account closed and I dont want this bs on my credit! You need to fix this!

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7:25 am EDT

First Convenience Bank [FCB] this is the worst bank ever

This is the worst bank ever! The overdraft fees are utterly ridiculous. Not only do they charge you for overdraft fees on pending transactions but they turn around and charge you overdraft fees when those same transactions clear too! I've literally called 12 times to speak to the branch manager and keep getting transferred to the main swtch board. If you actually want to talk to someone, they charge you $3 which they will overdraft on. I can't wait to cancel my account... Which they will charge you $25 for if it's been less than 90 days since you opened your account... What a crock!

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Frustrated-n-tx
Frisco, US
May 10, 2011 4:24 pm EDT

I know what you mean. I have tried to figure this out and i keep coming up empty handed. Easy way to solve this is not to overdraft your account. Use cash whenever possible. AVOID paying the bank for NOTHING.

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8:42 am EDT

First Convenience Bank [FCB] can not find a third party

I deposited a check at the bank and they said a third party contacted them and said the check might not be good so they held the funds...but they said that due to confidentiality they couldn't disclose who the third party is and to contact the bank issuer...Can you help me find out who is this third party hiding behind the scene in my bank deposits?

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First Convenience Bank [FCB] their gliched system double billed me

Be careful! They've caused me so much stress over this... What a nightmare! They are scam artists! After what happened to me, I wonder how many people they've stolen money from. I recieved a call from 1stcb telling me that my account was overdrawn. I was amazed because I knew I had over $350. I told them it was impossible. They kept telling me that i'd spent too much and that's why. I argued with them telling them that it's impossible because I bank very very carefully, I never let my account go below $100 and I check my balance every time before I use my debit card. So I went in to my branch to try and figure this out. The man was rude. Kept telling me I need to be more responsible. I saw that they'd charged me over $500 in overdraft fees! I was totally dumbfounded. I knew I was innocent but the kept insisting it was my error. I came back the next day, still determioned to prove them wrong. This was after my husband got angry with me for being irresponsible with my spending. They had me thinking that maybe it was my mistake. Even though I couldn't figure out what i'd done.in my mind...2+2=4 but they're telling me that it only equals 4 on my computer screen at home... On theirs...2+2= whatever the hell they want it to. So finally the manager notices that on a charge i'd made to us airways, that after my account had already been debited the $300... It was also listed as a pending charge. So my account at that moment was actually -$600 from that charge. So then 1stcb tried to blame usairways and the idiot working there told me to start being more careful who I give my card # to.! It's usairways! Not humbaba's nigerian quick loans! I tell them I book flights all the time with them and never had this problem. So they tell me in order to get my account fixed that I need to contact us airways and get a letter and blah blah blah. Then I point out to them that it wasn't just us airways that they did that to me. There was about 5 big charges that they still had listed as pending... Even though they'd already took my money out. All from reputable companies. Enterprise, cirro energy, etc. "so I guess I have to write all these companies a letter too to explain why you guys messed up?" they got real quiet and by the next day had accredited back around $1000 to my account that they'd attempted to take from me. Now I can't trust them anymore. They really treated me bad and caused me alot of stress. I had to spend alot of time that I don't have to make them realize their mistake. It wouldn't have been so bad if they would have listened to me from the beginning and not treated me like I was irresponsible and making it all up. I was actually crying when I went in there. Very upsetting. I don't recommend them to anyone.

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Update by 682jewel
May 24, 2010 9:26 am EDT

Make them print it out and show THEM where they double dipped. Make them give you your money back...I want to do something about it because I KNOW they are doing it on purpose. I want to sue them. They really put me through hell. Then the stupid jerk who works there saw me in the checkout line and came up to ask me if I got it all worked out. This is the same jerk who told me that I need to be more responsible. I told him, yeah...it was your mistake...not mine. You guys need to be more responsible. I'm still so angry. They messed with the wrong one...I'm not letting it go that easy.

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bank ripped off customer
Dallas, US
May 20, 2010 7:29 pm EDT
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I was just done the same way. I am going to close this account. They are double dipping. This is the biggest rip off in years. They take the money out of your account while it is pending then when it comes in they take it out again so they are charge you charges. I have only 819.00 they have just stolen from me. I think this is ridiculous. Then they are going to tell me that their system does something different. I told them I can add and banking is nothing new as if I did not understand banking. I told them I can add and asked them to show me where I had a negative even though they showed I had an overdraft charge of $209.00. I asked them why did I have an overdraft when I had money in the bank and they came up with some stupid idea. I will definitely close this account, write the banking institution and everywhere else I can think of.

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4:03 pm EDT

First Convenience Bank [FCB] unbelievably bad experience

In january 2009 I was buying some medicen at cvs when my card was decling and I knew for a fact that I had money in my account. I called customer service they said I need to go to one of their branches so I did and I was negative 1800.00 dollars. I disputed charges that weren't mine but I was denied because I never reported my card stolen. I had explained to them my card was never stolen its been with me. The another person using my card number was doing transaction at the same time I was and I was at huntsville for that weekend and I used it to pay gas and hotel. While the another person used it 15min difference in mesquite. How could I drive from huntsville to mesquite in 15min. Now I receiving call from them to pay that money which I not going to.

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my2cents7
Los Angeles, US
May 05, 2010 4:05 pm EDT

does it have a Visa or MAstercard logo? if so, they usually will help you with that!

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First Convenience Bank [FCB] awful bank

You are either an employee or I want what you are taking. First Inconviencebank utilizes an 800 number out of Killeen, their headquarters.You can never escalate past the call center even if your issue is beyond what they have the authority to handle(which is pretty much everything) They are currently under federal investigation. Take your money out and buy a clue.

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tigo85
Longview, US
Mar 10, 2010 7:42 am EST

Why are they under federal investigation if you could post a link to your source so I can make a decision to stay or go I would really appreciate it, since most of my family banks there I would like to be able to give them a good reason to transfer to another bank, but if its true I don't want anyone to lose their money due to others mistakes and shortcomings .
Thanks So much

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4:07 pm EDT
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First Convenience Bank [FCB] overcharged, mis-charged, harassed and ripped off

Let me start by stating that I've been banking for 23 years. I've had more trouble with this bank than any other bank I've been with in 23 years. Every payday I have to call them. It all started when I first opened my Acct. I cashed a check and deposited half of it. I used my card the next day to make an online payment which they charged me a fee of 34.95 for overdraft because they had failed to post it to my acct. I had to call and have them remove the charge which they did. Then I'm supposed to have a $200 overdraft, when I went over the amount available by $86 they called me all day long from an unavailable #, never left a message and continued to call all day for several days until I finally called the number back. When returning the call I sat on hold for 25 min waiting, not knowing who it was I called because the number doesn't tell you. This has happened twice in the 3 mo. I've been with them. Finally I get to talk to someone and they inform me that I'm over-drafted, I asked why they couldn't just leave a message and they told me because it done by computer and they have no control of it. Then I get charged an acct. handling fee of $11 something because I've not used the ATM card I have not received yet 5 times in that month. THE LAST STRAW- I use my debit card to make a $200 payment on my cell bill, keep in mind I have a $200 overdraft. I get a letter in the mail stating they have charged me $69.94 in handling fees for paying a $41.75 ATM withdrawal on 09/30/09, my current balance is $183 something. Then another 34.95 for the $200 payment made to my cell phone which didn't go through until 10/02/09. Now they tell me the fees are because the $200 was pending and not available. Now my question is if the $200 was pending and not available why did the ATM say my available balance was $183 and let me withdraw the $41.75? Not to mention the $200 overdraft which my acct is currently over $124 which would truly only be over drafted $57 if they had only charged me for what was truly NSF which was the $200 that went through on 10/02/09. This banking institution SUCKS and I have since closed my Account and moved my funds to a much more pleasant bank, NATIONAL BANK. If you're considering this bank for any reason, I RECOMMEND YOU DON'T, you'll just be having your money stolen from you.

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N33s3
E Paso, US
Apr 28, 2010 1:32 am EDT

I actually still have this bank and I completely agree with you! Went in to cash a check that I had got from my sister .I wanted to deposit half and get half cash back, which apparently was fine, then changed my mind and decided to just cash the check and deposit it as cash so it would go into my account instantly instead of having to wait.The cashier then tells me that they couldn't do this anymore which makes absolutely no sense since she was gonna give me half of the check in cash in the first place.The only reason I still have this bank is because I get direct deposit and I'm just too lazy to change it to another.This is one of many things besides all the little random fees that they charge you that makes me not like banking with 1stcb!

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awhitney
Lubbock, US
Jan 24, 2010 3:54 pm EST

I'm confused here. At the begining of this comment you wrote, "i used my card to make a online payment", if you didn't recieve your debit card, how did you make that payment the "next day" after opening your account. So, some of this comment is not true.

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8:40 pm EDT
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First Convenience Bank [FCB] charge twice or three times overdraft charges

Been with the bank for 7 years with no problem until 2009 when i noticed they were overcharging me overdraft charges (35.00) when i still had 200.00 and sometimes they would overcharged me two to three times for nothing i try to talk to them and they gave some kind of story that did not compute . besides that they charge you fees for everything they overcharged me about $350.00 before i decided to close my account. I have other friends that have the same problem . this bank is bad stay away from it

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682jewel
Fort Worth, US
May 24, 2010 9:29 am EDT

They DOUBLE DIP! If you make a charge...they list it as PENDING even after it's not pending anymore and they've already debited your account. Many people don't realize it and they do it to make you overdrawn so they can charge you $35 each overdraft that they INTENTIONALLY caused you to get. They are breaking the law and someone PLEASE contact me when you're ready to sue.

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Callie9228
, US
Apr 26, 2010 2:52 pm EDT

I have had the same problem with them where I have plenty of money in my checking account before I get charged. I even calculated it one time when I actually got overdrawn and told them that with two transacation that's when I got overdrawn but they charged me 135.00 plus another 135.00 for overdraft fees and the represenative still couldn't give me an exact reason for that. I can admit when I have done something wrong but I know that I haven't and it makes it impossible for people to catch up.

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momofseven
The Colony, US
Feb 27, 2010 8:39 pm EST

I have had nothing but problems with this bank! I am now in the process of looking for an attorney to handle my case, as I have tried and tried to work with this bank. They charged me an overdraft fee of 164.00 when I had plenty of money in the account! I finally looked online and I am finding at least hundreds of people that have been robbed just as I have!

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First Convenience Bank [FCB] - outrageous overdraft fees

I am angry at First Convenience Bank because they did not bother to call my son to tell him that he was negative and has overdraft fees worth x amount of dollars from many transactions over a period of about a week. I think they are immoral for making money off my son. He is a good citizen and has never hurt anyone in his life. He works hard and goes to...

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First Convenience Bank [FCB] outrageous fees

I have been banking with First Convenience Bank of Killeen, TX now for a few years. The ONLY reason I have chose them as my bank, and have not switched banks is because I became a single mother at age 18 and have acquired enough debt over the years to now have bad credit.
First Convenience Bank is the only bank that I am aware of that will give you a bank account with bad credit. That is why they are always referred to as the Wal-Mart Bank, or the Poor people’s bank.
I am still a single mother and still living hand to mouth. Last year I made roughly about $15, 000. Yet, last year I wound up paying over $4, 000 in bank fees. I have had to have a bank account because jobs I work at tend to not provide live checks and only provide direct deposit.
Over the last 2 years I have given the bank about $10, 000 in bank fees. Because I am stuck in a bad situation. No other bank will take me because of my poor credit, believe me I have tried. And I need a bank account for my direct deposits.
The reason why I have been paying so much in bank fees is the bank holds every single withdrawal/check/debit for 72 hours and reorders them in order from the largest to the smallest. They give you overdraft protection which allows this to happen.
About a year and a half ago my account went $700 in to the negative and I have not been able to catch up ever since then.
Every paycheck I get I go above positive again, but I have to feed my kids and I have to pay my bills, so I am forced to use the overdraft protection, and they reorder everything from largest to smallest in order to collect the most amount of fees possible, and then charge me $2.50 a day every day I am overdrawn, which is most of the month.
I literally give them between $200 and $600 a month in bank fees. I don’t know what to do anymore. I called the customer service center and not only the reps, but also the supervisors are rude, condescending, and insulting. They have extremely poor customer service.
I go to the bank branch and they flat out lie to me about policies and practices. There have been many times when I was sitting down with a bank branch representative and have customer service rep on the phone at the same time and they will tell me two conflicting things. This bank is very evil and incredibly inhumane. They would rather my child starve to death then not collect their $500 a month in bank fees.
The holding and reordering of debits to my account is not only wrong and poor business practices, but it also seems very immoral to me.

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anonymoustxls
, US
Jun 03, 2016 8:22 am EDT
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This bank knows nothing about customer service. Just closed out my account at the bank in desoto, tx the representative was taking care of me then invited another customer to sit next to me while she finish closing my account out. No privacy. two weeks prior to this I walked in first convenience bank the one at cockrell hill, / I-30 in dallas, tx to dispute a paper draft claim. Not only was the service bad but the manger there (hispanic lady) took her sweet time taking care of me and later I found out she never submitted my claim through. I had to redo the claim over after I call customer service to complain about it. I'm done with this bank!

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Kathy Middleton
Phoenix, US
Apr 28, 2015 10:00 am EDT
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Charged overdraft fee for a $5 charge that I told them was done accidentally. Then charged another fee after 6 days in negative! I asked them kindly to reverse charges because I am on a fixed income but they show no mercy. So now I'm paying $100 dollars for a $5 charge!

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Dropper
, US
Apr 21, 2010 6:56 pm EDT

These people prey on those that have no other banking choice. I definately think they should be held accountable just like the 'big' banks on the amount of fees and daily charges that they can charge. I am completely dissatisfied and will rid myself of them as soon as possible.

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Regga
, US
Dec 21, 2009 3:34 pm EST

I hate 1nb. I had a check that someone altered and they refused to investigate or contact the police. They continually break banking regulations.

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toshajinx
, US
Oct 06, 2014 8:23 am EDT

OMG what ever happened to accountability? A complaint about overdraft fees, really?

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Oslode
, US
Sep 29, 2011 5:46 pm EDT

Bank is debiting account with overdraft fees with positive balances.

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Benbenbellhimself
Wharton, US
May 24, 2011 7:02 pm EDT

I over drafted sixty six dollors and they want three hundred and fifty dollors for it.

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SmrtrThnYou
Des Moines, US
Jan 12, 2014 11:10 am EST

Salsido - are you serious? You really think you can join a class action lawsuit by saying "count me in" on a complaint board? Why is your account negative? If you didn't overdraw or have NSF checks you wouldn't be negative - so, it sounds like the issue is with you - not the bank.
So many people on here complaining but refusing to look at themselves and admit they had anything to do with the problem in the first place.
Also, there is a new invention called "Spell Check" - it's really cool - it will actually tell you if you've misssspelllleed a word - see, like the one I just wrote - when I intentionally spelled it incorrectly there was suddenly a red underline under the misspelled word --- meaning I had to correct it! Amazing, isn't it?!?!?!

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Salsido
Irving, US
Dec 20, 2013 5:58 am EST
Verified customer This comment was posted by a verified customer. Learn more

I am having the same problem as all the stories above and I have only been with the bank for two months. The reason I opened this account is due to my husband now working out of town and very long hours. The weekend is the only time he can deposit. I have to close the account but like everyone else I cannot until it is not negative. So I am trapped the first client the single mother's story broke my heart. I was involved in a similar class action lawsuit against Wells Fargo and Bank Of America. The banks were ordered to reimburse us for most of the fees. If there is a lawsuit/complaint started please count me in salsidomary@yahoo.com. Looks like there are more sites with complaints so I would think we would have enough to start a class action lawsuit to make them stop this.

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A&M2007
,
Jul 09, 2008 5:04 pm EDT

My car insurance company debited more money out of my account than I was aware they were going to. This overdrew my bank account by $170.00(including overdraft fees and returned check fees). I intended to pay this back in a couple of weeks until I discovered they were charging me $2.00 a day for a "Negative Balance Fee". I thought this was outrageous! When I called to cancel the account with the offer to pay the original $170.00 I owed they told me they could not cancel an account with a negative balance, and even if I paid the original overdraft I would still be negative because of the extra charges. Until I pay the unfair charges they will continue to charge me $2.00 a day for up to 90 days at which time my account will go into collections. They are now calling my place of employment daily (even though they have my cell phone number) asking me when I can make a deposit. STAY FAR FAR AWAY FROM THIS BANK! I only signed up with them because they were in a convenient location.

ComplaintsBoard
J
10:37 am EST
Resolved
The complaint has been investigated and resolved to the customer’s satisfaction.

First Convenience Bank [FCB] overcharged

First Convenience Bank charged me 20 overdraft fees of $34.97 in the amount of $699.00 in one day.I had a deposit of $451 and another for $125 as well as two deposits of $20 a credit for $7.51 and a direct deposit for $203 and $11.70.

As stated above I had plenty funds in my account. I called the number on the the back of my debit card to check the balance of my account and the entire weekend up until Monday, February 23, 2009. Each time I called I had a positive balance and I checked to see if my transactions had gone through and the bank took the funds out for my transactions.

However, on Tuesday, February 24, 2009, I called to check the status of my account and I was in the negative $199.00. I went to the bank to get a print out and in between the time it took to get to the bank, it went to a negative $429 and by the end of the night the negative balance was $699.

The automated system listed each item that was paid and my remaining balance after the transactions and everything was fine. However, when I went to the bank it was a different story.

They told me that my account went into the negative and I was charged for every transaction after the negative balance. However, the paperwork reflected that my account was positive and it went into the negative when the charged the first insufficient charges and it went down hill from there. I told them I called and what I was told my balance was and it showed on the paper work, but they refused to fix my account.

After talking for a hour the representative at the bank called her district manager and she agreed to only refund $200. The branch manager walked in during our conversation and he told me he could only give me $100 and he couldn't go over what his district manager said.

After looking over my statement, it was discovered that the bank charged me four negative account balance of $2.49 per day prior to the over draft charges. My account wouldn't have gone into the negative if they wouldn't have charged me these fees as well as the other overdraft fees.

I was told when I two months after I opened my account that I only had a $100 in overdraft protection. However, today I was told that I have $700 in overdraft protection because my check is direct deposited into my account and it's $2000. I was told that because my direct deposits is so large I was allowed the max in overdraft protection. Prior to today, I had never heard any of this and the other fees because the lack of knowledge thereof.

The bank has taken all of my money that was deposited into my account from my job for my travel and for the credits to my account.

The sad part about the situation is I lost my job today and my last check will be posted to my account this week and First Convenience Bank has taken my money.

I don't know if I'll get any resolve about this situation, but I feel good knowing that someone will listen to me. I closed my savings account today, but I can't close my checking account because it's in the negative and my check won't post until February 28, 2009.

I just moved here from out of state and I need to go home this weekend, but I can't because the bank has taken all of my money. I also have to close my account out on Saturday. This is the worst experience of my life and why do I have to pay for a mistake on behalf of the bank.

The bank was holding up my purchases and direct deposits until it was at a negative, then posting an overdraft fee.

I asked them how could I have made all of those purchases and my account was in the negative. They couldn't explain that. I told them there's no way humanly positive I could swipe my card 20 times with a negative balance.

To my understanding, if your account is in the negative the card will decline the purchase.

Please help me or help the next person from becoming a victim. First Convenience say they cater to the customers, but if charging 20 overdraft fees in the total of $699, I don't want or need your service.

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Walter David Jimenez
,
Jul 03, 2007 12:00 am EDT

I have a customer of this bank here in texas for almost 7 years. Back in january of this year i started to buy phone cards over the internet, i had no problem what so ever until i went on vacation out of the country in april, when i got back the bank started to charge currency exchange fees, it took 2 months to find out from the bank as to why it was charging me this fees. Sometimes it was as high as $60 of fees for a $15 tranaction.

When i called customer service i was just told if i didnt like it to go somewhere else. They refused to tansfer me to a manager when i asked. I was actually told the reason i was charged this fees were because the company of the phone cards had a spanish name. I was never told as to why for 4 months i was not charged this fees, why the fees were so high, i could of send money by western union and only had paid a couple of dollars. I had letters and emails from the company stating tht all transactions were done in american dollars here in the united states, but i could not find one person in the bank that was willing to call the company and verify that. When i wrote to complain, all i got from the bank a very sarcastic letter. I will never do business with this bank and if you can help it, stay away from this bank.

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tigo85
Longview, US
Mar 10, 2010 7:24 am EST

I bank at first convenience bank and love it, I personally like the fact that even if you are in need of a second chance bank, they don't treat you any different or charge you for having to have a second chance account. As far as overdraft if you keep a register correctly and monitor your account on a regular basis then you shouldn't see any. And I have done it myself and once I listened to the teller I understood what happened to make me go overdraft. I also have direct deposit so I get the $700.00 overdraft protection as well, I think your problem is you are confused on what that is like I was. It doesn't mean your protected from getting fees, but that your purchases will be paid so your mortgage check doesn't bounce if you forgot to write down a transaction and you don't have the funds to cover it, or so you don't get declined with a cart full of groceries that you need. the overdraft protection doesn't cost you anything unless you USE it. And as far as fraudulent charges on a card if you pay by phone that person making minimum wage has all of your information, if you give it to a waiter same thing, and shopping online through unsecured sites is also dangerous. Be cautious of putting the card number or your account number for that matter. You might try a new service 1stcb offers its called identity secure which monitors all that and much more for you if that is a persistent problem. But what worked the BEST for me was being polite while explaining my situation to the teller helping me, I understand the frustration that comes with problems on the account, but I'm sure that the teller that is waiting to help you did not personally do anything to your account. They are only a representative of the bank and from all my past customer service experience being genuinely nice and ask for them to explain what happened and how to help you resolve the situation and ask questions on how not to end up in the same spot, then they will most likely be understanding and do whatever they can to help you out with whatever they can. Which in my case was all but one fee which I was responsible for, the others were due to a hotel pre-authorization (there was a sign in the lobby I was just unaware they charged at check in and check out till they made sure I didn't cause any damage that needed to be charged to my card) Since I had never asked for a fee to be refunded before and was unclear that the hotel but an extra hold on my funds the teller waived all the unexpected fees as a bank courtesy, I'm 100% positive it was due to I wasn't making a scene I was attentive and knew that she wasn't personally accountable for MY account being overdrawn and I wanted to know how to avoid making that mistake again. She was very happy to explain and answer every question I had. I have a second account at chase bank as well and something similar happened with a gas purchase and I was told they only refund fees that are due to bank error, no exceptions. Positive thing and attitude produces positive results. Maybe next time try a different approach with the person that is capable of helping you, I have always been more willing to help someone that was calm and polite over someone lashing out and barking orders of what they want me to do for them especially when its a situation where the person in front of you has the CHOICE to try and help you, but by no means do they have to satisfy you as long as they are within regulations set by our government. Attitude makes all the difference, remember that the next time you approach a teller with the ability to help you at a bank that actually will refund fees as a courtesy to help you, make it a point to be courteous, it will give a much more pleasurable response and you might be surprised with the result. I have had nothing but great experiences with them since, and the teller that resolved my issue always greets me by name now and goes above and beyond to make sure all of my banking needs are met and even give me any new infromation on account choices or perks as they become available (While they were running the refer a friend promotion i made 119.00 just by telling my coworkers of my experience and satisfaction gave them her card and she did the rest while I enjoyed seeing a bank give me money for a change) Hope this might change your mind, just allow someone the chance to help you might see how prior instances may have been more pleasurable. Hope this helps someone realize that there are banks willing to help you they want you to be pleased with their services and can offer their customers a great banking experience I know I've never found elsewhere!

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yami2
, US
Sep 07, 2009 12:33 am EDT

This is a legitimate complaint. I have been with this bank for many years (trying to give them several chances) and keep getting screwed. And for the one who said (and cannot spell) that people get screwed for not knowing how to manage their money.. that is not true. My ledger is always balanced and I was able to get this "wonderful" bank to give me back money on several occasions because I kept my ledger balanced. I was a victim of unauthorized charges in June.. they charged me 139 dollars in overdraft charges but had to return it all because it wasn't my fault. Since a person was running up my card (and I still don't know how they got that number), my account started going over. I ended up getting a new card, and lo and behold AGAIN some unauthorized charges. I am still perplexed.. either someone in the bank has my new card number and is using it at match.com (the person in June also used it at match.com and americansingles.. hmm), hot topic and Macy's... or it's some internet hacker.

Either way, I am taking my money out tomorrow and going with a better bank.

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KrlyQ
Irving, US
Aug 24, 2009 2:38 pm EDT

This is a ligitimate complaint against 1st Inconvenience bank. They are a second chance bank for anyone who is unable to open a bank account anywhere else. This bank takes advantage of desperate people in need of a checking account and use shady practices to steal their money. I dealt with them for a short period of time, but I was not in need of a "second chance" bank so I closed the account as soon as I realized that they were trying to steal my money. My mother also opened an account with them soon after I did, and left for the same reasons. Unfortunately, my sister was in need of a second chance bank account and opened an account with them. I tried to warn her, but she was in desparate need of a checking account. She is now fighting with them to prove the outrageous overdraft fees she is being charged. She was told that it would take 5 business days to get back to her with an answer. Her account is overdrawn, so there have been no recent transactions. Now here's where it gets ugly; they are charging $2.95 per day for every day the account is overdrawn. These people are crooks!
I worked in the return items department at a bank for 2 years, so I know how it should work. I know that if a cash deposit is made before the books are closed for that day (usually before 2 PM) then that transaction should reflect immediately. 1st INconvenience bank doesn't do that! The mistake they made with my account was thinking they could charge me an overdraft fee for a transaction posted the previous night due to a "PENDING" transaction that didn't appear until the next day! This is a very corrupt bank.

If you want to file a formal complaint try this site: http://www.federalreserveconsumerhelp.gov/complaintinfo.cfm?info=1

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Gloria
, US
May 23, 2009 2:02 am EDT

I agree, every bank charges overdrafts when you over spend. The bank and teller are not to blame and keep track of your finances. It is your responsibility to know what your correct balance Is by keeping a register.

Learn from it!

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mom80
Houston, US
May 20, 2009 2:41 am EDT

i love first convenience bank! all banks have overdraft charges if you manege your money right it wont happen to you the [tellers cant always be there to hold your hand when you spend your money} GROW UP! LEARN HOW TO manege YOUR MONEY! THEY HAVE GRAT customer SERVICEs! I GUESS IF YOU CANT Manege YOUR MONEY THEN LET YOUR MOMYS AND DADS do IT FOR YOU! get over it! you work hard for your money! take care of it!

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cossroberto84
, US
Mar 16, 2009 8:06 pm EDT

Your story is pretty much the same as mine. In total this so called bank is charging me $865. Whats so funny about my story is the tellers at this bank are rude right to your face. When I asked, how can a person overdraft so much? What was their response..."It is your responsibility to know what you spend, not ours." Not ours? But you have the nerve to charge the $35 fee without my knowledge? I'm in the same boat as you are. I never knew about the overdraft protection that is supposed to help you out. I asked "Where can I see this in writing?" What was their response..."The teller was supposed to tell you..." Well, the idiot didnt. So you guys are only getting richer. But obviously that isnt their issue. I personally have decided to let everyone know what a horrible place(place because it is obviously not a bank)this is.

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R
8:51 am EDT

First Convenience Bank [FCB] wont return funds

Briefly, relative signed and fraudulently cashed check, after stop payment was issued, bank will not return my funds it's been a year already.

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569233
houston, US
Jun 19, 2011 6:34 pm EDT

I want to know does anyone get their money back when filing a claim?

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569233
houston, US
Jun 19, 2011 6:31 pm EDT

i agree because i bank there and filed a claim and it was denied. My debit card was stolen. It wasn't mailed to my mailing address. Filed a claim and was put off until the claim date and was denied. I had to do all the investigation and everything that was asked and didn't get my money back. This bank should be investigated itself. I wonder if anyone has ever got their money back when filing a claim. That Killeen office is awful. Nothing will ever be done.

ComplaintsBoard
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6:36 am EDT
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The complaint has been investigated and resolved to the customer’s satisfaction.

First Convenience Bank [FCB] bad bank

First Convenience Bank is a joke! I went in to deposit a check and they came back to tell me they would have to hold it for 7 business days. Could not pay bills or withdrawal on it. Asked them what do I need this bank for, they said to pay bills(just not till the big bank man tells me that I can).Called customer support got the usual yes sir no sir and that they were doing me a favour most of the time its at lest 11 working days. I’m not rich finding a new bank or check cashing place.

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KrisChamblee
, US
Sep 17, 2019 12:46 pm EDT

the new chrome card is ugly and looks fake, even green dot cards look more legit. Other banks offer better looking cards...
Bring back the horses please or even the blue cards.

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former banker
, US
Dec 19, 2009 10:17 pm EST

you obviously don't understand reg cc it is meant to limit the amount of time funds can be put on hold not to tell the bank the funds have to be held, that is up to the banks desecration. do some research before you act like you know what you are talking about next time.

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kelly
,
Jul 23, 2008 8:38 am EDT

its not just common its a regulation. reg cc . google it and you will see. all banks use it.

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Alice McGaughey
,
Jun 12, 2008 8:45 am EDT

I deal with at least 3 of the major banks (ie Wells Fargo, Chase, and Amegy)and unless you have funds to cover the deposited checks they all put holds on them. This is common practice amoung the banking industry. I also bank with 1St. convenience and they at first put holds on my very large depoists until I incurred enough to cover them.

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