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Complaint Details
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Initial Complaint
07/30/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
On 6/6/24 I was again denied and determined to be ineligible for reimbursement of my ** ************ for the amount of $231, plus there's more outstanding. This was approved in the past without issue, and the only reason I have an FSA, and now the business will not reimburse me. The business claims the "expenses can be used for general health purposes". It's a medication to help with erectile dysfunction. I'm unaware of other uses and do not need for such.I've spoken to a few folks ******** was one), and said they'd help get corrected, but then I receive denial letters. I've submitted and resubmitted all documentation requested, and still get denied. I was informed my ** ************ was covered by FSA, so I enrolled to help save on expenses. If this is not the case, I'm ok with cancelling my FSA and want my funds returned.Business response
08/27/2024
Please see attached.Customer response
08/31/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and per their request I will complete a medical necessity form.I assumed the prescription from the doctor was sufficient, but I will review, complete and send the form.
Sincerely,
***************************Initial Complaint
04/17/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I am writing to file a formal complaint against First American Bank regarding the discriminatory treatment I have experienced during my application process for a ***** loan. My name is *********************, and I would like to bring to your attention the unfair practices and treatment I have faced.The application process for the ***** loan at First American Bank initially proceeded smoothly until it reached the underwriting department. From that point onward, I have felt that the bank has been consistently second-guessing me, despite providing all the necessary information they have requested.I have diligently complied with every request made by the bank, going above and beyond to provide additional documentation whenever asked. However, instead of progressing with the application, I have repeatedly been met with unreasonable demands for more details and information that seem unjustified and unheard of in such circumstances.Despite meeting all the requirements for the loan, boasting a strong credit score, owning a paid-off home, and maintaining steady employment for over 20 years, I have been given the impression that my provided information is not being regarded as credible. This treatment has left me with the unsettling feeling that I am being unfairly targeted and doubted solely based on my minority status.I believe that this differential treatment and the continuous hurdles placed in my way are clear indications of discrimination. I respectfully request your assistance in investigating this matter and ensuring that First American Bank upholds fair and unbiased practices in its dealings with all customers, regardless of their background.Thank you for your attention to this matter. I am counting on your support in addressing this issue and preventing such discriminatory practices from affecting others in the future.Sincerely,*********************Business response
04/17/2024
see attachmentInitial Complaint
11/08/2023
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I have an auto loan with First American Bank since early 2022. Account was setup and I submitted paperwork for automatic withdrawals each month. After nearly 2 years, First American Bank contacted me stating I had a past due balance. During our conversation, First American Bank claims to have no record of the automatic withdrawal form and therefore stopped withdrawing payments. I can guarantee the form was submitted. My bank would charge a fee so I never submit payments on their end (there is no record of such charges to confirm the payments were not initiated by my bank) and the nearly 2 years of automatic withdrawals would further confirm the form was submitted and lost by First American Bank. Instead, I now have a late fee and unknown at this time if anything was submitted on my credit report due to First American Bank's negligence. I request credit against the late fee and correction to any credit reporting that *** have occurred.Business response
11/10/2023
***,I received the complaint you filed with the Better Business Bureau dated November 8, 2023, related to the electronic payments on your auto loan. Thank you for having such a good payment history over the past two years and for speaking with our Retail *************** Manager, *******************, to work through the circumstances that resulted in the problems with your October payment.Per your phone conversation, the issues that caused the problem with the October payment could be resolved by executing an updated Automatic Clearing House (ACH) form. This new agreement will make your payments electronically each month on your due date. The next payment will be debited from your account on November 22, 2023. We apologize for any inconvenience and are confident that the issue has been resolved.This letter will also confirm that we will credit the principal balance of your loan for the $10.00 late fee assessed to your account for the October payment. Do not hesitate to give me a call if there are any other questions.djl**************************Director of Community Lending and CRA Officer1650 *********************, ** 60007Office/Fax **************First American Bank
P.O. Box 0794
*****************, ** 60009
Equal Housing Lender Member FDIC
www.firstambank.com
IMPORTANT INFORMATIONYour privacy and security is important to us. Please view our privacy and security information on our website at *****************************************About/Explore/Policies-and-Notices/Privacy-and-SecurityCustomer response
11/10/2023
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********. ********************** acknowledge a processing issue in their systems that caused the problem and have resolved it. The solution and removal of the late fee resolution is satisfactory to me.Sincerely,
***********************Initial Complaint
05/22/2023
- Complaint Type:
- Billing Issues
- Status:
- Answered
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered an unauthorized item. Despite sending them letters over 30 days ago, they have not responded and failed to provide adequate validation. I kindly request your assistance in resolving this matter, as I am considering legal action.Business response
06/01/2023
Attached is the response I emailed to the customer this morning along with a request for additional information sent to the customer a few days ago. These were e-mailed to the email address we had on the account. I will also send a letter to the customer at his address listed.
The customer did not supply an email address or a phone number with his compliant.
Initial Complaint
07/10/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
On 07/09/2022, i went into the branch in ************ to close my account due to personal preferences i needed from a bank. They do not offer real time transfers like some of the bigger banks offer like Chase, BOA, and ************ This was something I asked in the beginning which i was mis informed. Real time transfers are where you set up external transfers from other banks. Instead of it taking 2 days to hit your account, it gets there in seconds. Anyways, this was something I had to have. It's a must have for me. I went in there to close it and was told i would be charged a $50.00 closure fee! Noone informed me of this fee when i first opened the account! This is not legal to be charging this kind of fee! I had a lot of bank accounts where i did end up closing the account within the first 30 days and have never been charged a ridiculous fee like this! It does not cost a fee to close an account! To top it off, they gave me a check instead of cash! I insisted on getting cash before i closed it out. They told me they only give customers when they close an account a check! This is unhear of! All banks never give you a personal bank check! it's always cash! When i open the account ,i gave them $600.00 in cash!!! Now they are going to turn around and give me a check!!! Due to them giving me a check, my regular bank put a 7 day hold on the check! I opened the account with cash. I should get cash back! Do they give customers a check when withdrawing funds??? That $50.00 fee is unlawful and want to file a complaint against this bank! They cannot charge a fee like this to close an account!!! The bank also had the nerve to tell me they still want my business in the future. Like i would come back after the way i was treated!!! Stay away from this fraudulent company! They will charge you a fee to close it and give you a check instead of cash! Now i have to wait 7 days before i see the money because it has a 7 day hold on it!!! No way to treat your customers!!!Business response
07/12/2022
Attached is the response after an investigation of the recent account activity related to this complaint.Customer response
07/14/2022
Complaint: 17546444
I am rejecting this response because:The company is being dishonest. First, i did ask them for cash!!! They told me straight out that they cannot give me cash when closing an account. They can only give me a check! I argued with him about it! I don't think it was very fair to me just because i was closing my account! You are a bank; you are supposed to give customers cash! Due to this, my car payment was late! My money is still on hold because you refused to give me cash instead of a check! So don't tell me i did not ask for cash, because i did!!!Second, no one ever gave me a copy of the scheduled fees. I have never had an account where a bank charged me a fee just because i decided to close it! You do not offer the real time transfers like you stated you had. No matter what reason i had, you have no right to charge me a fee to close my account because you gave me false information. When i talk about real time transfers, I am referring to a feature that all the big banks have where money is sent and received in seconds to the other institutions instead of days! This is a must for me! You lost me as a customer and will be leaving the bank negative online ratings! I am not happy with the way i was treated and will never do business with them again!!!
Sincerely,
*********************Initial Complaint
06/30/2022
- Complaint Type:
- Product Issues
- Status:
- Resolved
Hello,I have a checking account with First American Bank. I have been a customer for several years.On Tuesday, June 28th, 2022 at 12:42 pm CST, I got a text message from their fraud department asking to verify a recent transaction. It was for $10.00 and purported to be from Apple.com. I checked my family members to make sure if anyone bought anything for $10.00 or any amount. When I determined we didn't make that purchase, I texted back that it wasn't initiated by us. I got an email from First American Bank at 12:54 am, same day, stating that a few more transactions that required verification. In addition to the $10.00 transaction, there were three more transactions. Two of them were for $0.00 and one for $500.00. In the email, it showed that First American Bank had declined the $500.00 When I spoke with a representative (*******) an hour or less later, I began to look at my online banking. I discovered that in addition to the $10.00, there were 5 transactions for $500.00 each, for a total of $2,510.00. None of these were initiated by me or my family. ******* gave me a couple of numbers from Apple to contact. He said he couldn't block the transactions at that time. I don't believe that to be the case. I believe he choose to do nothing. And instead gave me a couple of numbers to chase down. It turned out that the first number he gave me, the same number showing on the transaction, is a fraudulent number. It does not belong to Apple. When I called back the same day within an hour or so and informed him of that, he again refused to do anything to block the transactions from going forward. Not only have First American Bank failed to protect my funds from fraudulent activity, they carelessly asked me to chase down a fraudulent number to get my money back!When I spoke with his manager, *****, she echoed the same statement from *******. She can't block the transaction from happening and I have to wait for an investigation to happen. If the merchant is nBusiness response
07/06/2022
Attached is the response to File #********. Do not hesitate to call with any questions. I can be reached at ************.Customer response
07/06/2022
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
***************************Initial Complaint
06/12/2022
- Complaint Type:
- Service or Repair Issues
- Status:
- Answered
The sprinkler system at this bank blocks the public access sidewalk at 9:00 p.m. with a gauntlet of multiple sprinklers. There is no way to pass without going on to the busy highway. This completely blocks my route home after work every single day and it soaks me every single night at 9:00 p.m. I have texted and called and physically gone into the bank multiple times to address this problem with no resolution after more than 6 weeks. I have simply asked them to change the timer to sometime after midnight or before **** and they keep blowing me off. I am certain I am not the only person affected by this. I have gotten sick from being soaked by the sprinkler system when it was cold outside. There is simply no way to pass without getting soaked by the sprinklers.Business response
06/21/2022
See attachment.Initial Complaint
02/07/2022
- Complaint Type:
- Product Issues
- Status:
- Answered
On April 8, 2021 I paid First American Bank $349.00 via bank draft from ********** for a mortgage application. My agent's name was ***********************************************. My application for a refinance for my property located at *********************************************************************** was reviewed and initially approved after providing all the requested information and meeting all the application requirements. After being initially approved for the loan, **** contacted me and stated he had to pass my file over to ************************** ******* and ************************* NMLS#****** because my deed is in the name of a LLC. After providing the same information I did when I was approved and after an extremely long wait for my application results I was not informed that I was denied for the loan. On May 13, 2021 I contacted ***********************, via email, about the refund of my application fee and received no response. Initial loan number was ********** the subsequent account number was ******.Business response
02/11/2022
Our response to fiole #******** is attached.
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