ComplaintsforFirst Community National Bank

• Initial Complaint

  12/27/2021

  Complaint Type:

  Customer Service Issues

  Status:

  Resolved

  More info

  I believe on 10/25/2021 was the day I discovered unauthorized ach debits from my account. I went to the bank and spoke to an employee as we reviewed a statement together. It was noted in a matter of 3 or 4 days, numerous debits were made by ** * ******** via ***** *** using my bank my bank card. Funds were taken until depleted in the amount no less than $1572.00. I am aware of this person as an acquaintance and he and another person ******* . had given me a ride on Oct. 18 and had access to my bank card as my purse was left in the car as I went into the store to buy something with cash. I asked the bank how I would get my money back and the manager "*****" told me I had to get a police report first. So I filed the report with Steelville Police Department ********. Officer ********. After it was signed off by a Sergeant ******, I paid $10 picked it up and took it to ***** at the DMV, in Steelville since she is the mother of Al Brinkman, I showed her all paperwork and asked how I should proceed, she called his dad and she concluded take the report to the bank so I could get my money back. I also asked his dad, he responded, "not my circus, not my monkey". I left the report with *****, bank manager she said she would send it to her boss. Two days later, she responded after I called several times... the bank would not be giving me any provisional refund, if I wanted my money I needed to press charges and go after the person who took it. I asked her why not she said, if they gave me money there's no guarantee they would recoup theirs. I said then why did they not go ahead with the provisional refund when it was an option?? She said, because of the Scenario. Ok, what scenario, I asked because the only one Im aware of is that I had been robbed. The bank did not notify me of multiple transactions further more I feel victim to discrimination. I want a full refund of money fraudulently taken 1572.00. I have filed complaint with Mo. Dept. of Finance as well.

  Business response

  01/21/2022

  In reviewing the account history of ******* ******** from October 18, 2021 to October 27, 2021, the total charges were $1169.95.  It appears that no other charges were identified in the Police Report provided to **** ****, nor to the Division of Finance.  Our attorney has advised that pursuant to ** ****** **** ************ it is provided that if a consumer notifies the financial institution within two (2) business days after learning of a loss or theft of an access device, the consumer’s liability shall not exceed the lesser of $50, or the amount of the unauthorized transfer that occurs before notice to the financial institution.  Accordingly, **** **** will deduct the $50 minimum from the $1169.95 charges to Ms. ********’s debit card account and issue a check to her in the amount of $1119.95.  This check will come directly from **** **** and will be mailed to Ms. ******** at the address we have on file on Monday, January 24, 2021.

   

   

  Please advise if you need anything further from me or **** **** to close out this matter.

  *****Alexander | VP - Assistant Operations Officer
  palexander@fcnb.com | (573) 351-0342 x10140
  

  Customer response

  01/25/2022

  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,
  
  ******* ********

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