First National Bank - How to file a Complaint against your Bank.

Feb 27, 2010
review #172879

Where to file a complaint about your bank and some Lawsuit examples,

If you feel you've been discriminated against, charged unusual, exuberant or unexplainable fees you're not alone. I'm preparing to file a lawsuit against First Nation Bank and their sister companies First Community Bank, Fort Hood National Bank for fees improperly/illegally applied to accounts and Deceptive trade practices. In my research for this Lawsuit I've come across 1000's of complaints against various banks (Chase, Bank of America, Fleet, Household finance or HSBC, my own bank and many more) and spent countless hours reading them, along with legal dockets from lawsuits similar to mine.

Along the way I've also spent many hours researching where to file complaints against these Banks and financial institutions. I'm providing you with links and all the pertinent information I spent so much time acquiring so you don't have to do the same. In return I hope you'll use this information to file a complaint with as many different agencies and consumer complaint websites as possible. This is the best way to make a change or to put them out of business. The more reports and complaints filed through proper channels and high profile Consumer Complaint Websites the more likely these companies will be investigated by a governing authority, their licensing division or news press. These investigations lead to professional findings (which can be used as evidence in court), fines, government restriction, new consumer protection laws and the like. So Please Use the information I'm providing and help make a change in the way these financial institutions do business. THANKS

Follow these steps and you will have a legal complaint that will hopefully resolve your issue without having to go to court. If not at least you have record of the complaints, which is necessary in most states prior to filing a lawsuit. Not to mention you may have started an investigation into the company by a federal, state or licensing agency whose results will greatly help you in your lawsuit against the company and bring them lots of bad press.

1. Start by speaking with the branch manager or the financial institutions Customer service representatives; make sure you are calm and polite. Assume they will want to help. Clearly state your problem. Very often the bank will offer to set the problem right. Be clear about what the problem is. Keep notes of who you spoke with, the date, time and what was discussed (The Bank does and you'll thank me for this if you have to go to court or file complaints with governing authorities).

If you don't get satisfaction from a manager, you may get results by contacting the corporate headquarters or main bank branch. Send a well written letter with your name and address, the name and address of the bank or financial at the top along with the date. Your heading should read something like (FINAL DEMAND FOR ACTION). Clearly state your issue or problem. Include the dates, times, who you spoke with, what was discussed and the results of the discussions, be clear and professional. Attach copies (not originals!) of receipts and other documentation to support your case. Use a computer or typewriter and spell check your letter. I prefer to send the letter Certified mail (signature required) to the bank or institution. Make sure you send it certified mail or they may deny receiving it.

2. If the business will not resolve a problem directly, you can file a complaint with your state attorney general's office (Google- "your state" attorney general complaints) for Texas its http://www.oag.state.tx.us/consumer/complain.shtml. Make sure you've filed a written complaint with the company first. When you file your complaint with the attorney generals office, the complaint should explain in detail, with documentation, what the problem is, who it is with, and what you have done to try and resolve the complaint. In particular it should:

a. Identify the business. Include the name and current address of the business.

b. Describe the problem. Describe as completely as you can the problem with the product or service you have purchased. Were you told something that was untrue? Describe what you were told and how it was untrue. Is it defective? Explain what is wrong. Did the business refuse to honor a warranty? Explain what needs repair and include a photocopy of the warranty.

c. Include photocopies. Always include photocopies of documents relevant to your complaint receipts, warranties, both sides of canceled checks, contracts, etc. Do not send originals. Only send copies.

3. File a complaint with the BBB (Better Business Bureau) at their website http://www.bbb.org, but only if the complaint is concerning billing practices for services or procedures. Include the same information and supporting documentation you submitted with the State Attorney Generals Office.

4. File a Complaint with the FTC (Federal Trade Commission) https://www.ftccomplaintassistant.gov, again include the same information and supporting documentation you submitted with the State Attorney Generals Office. If you're military you can also file a separate complaint with the FTC here at http://www.ftc.gov/sentinel/military/index.shtml

5. File a complaint with the licensing or regulatory authority. They accept and review complaints. The banks and financial institutions they license must answer complaints in order to remain in good standing and keep their license to do business in your state. This information has to be made readily available and is usually found in the form of a poster near the teller counter. If it's not; ask one of the tellers where this information can be found. For Texas it"˜s http://www.banking.state.tx.us/dss/ccmain.htm

6. Filing Individual Fair Lending Complaints

Individuals who believe that they have been the victims of any unfair credit transaction involving residential property may file a complaint with the Department of Housing and Urban Development [HUD] or one of the federal regulatory agencies listed below. Individuals may also file their own lawsuits under both the Fair Housing Act and ECOA.

Individuals who believe that they are the victims of other unfair credit transactions should contact the appropriate regulatory agency. The agencies and the types of creditors that they regulate are as follows:

Office of Thrift Supervision [OTS]: Savings associations and federally chartered savings banks (the word "Federal" or the initials "F.S.B." appear in federal institution's name).

Comptroller of Currency [OCC]: National banks and federal branches/agencies of foreign banks (the word "National" or the initials "N.A." appear in or after the bank's name).

Federal Reserve Board [FRB]: Financial institutions that are members of the Federal Reserve System, except national banks and federal branches/agencies of foreign banks.

Federal Deposit Insurance Corporation [FDIC]: State chartered banks that are not members of the Federal Reserve System.

National Credit Union Association [NCUA]: Federal credit unions (the words "federal credit union" appear in the institution's name).

Federal Trade Commission: Retailers, finance companies, creditors (including most mortgage companies) that are not assigned to another agency.

7. If you feel you've been discriminated against by a financial institution, file a complaint with the DOJ (Department of Justice) http://www.justice.gov/actioncenter/complaint.html. They've won many suits against financial institutions for discrimination and unfair practices.

8. Write to the Troubleshooter divisions of all your local TV stations and newspapers. Businesses hate bad publicity.

9. File a copy of your complaint to the State Attorney Generals Office or FTC on every consumer complaint website that shows up in a Google search for them. Some examples include.

1. complaintpoint.com

2. ripoffreport.com

3. complaints.com

4. complaintboard.com

5. pissedconsumer.com

6. Businessreporter.net

7. My3cents.com

8. Digg and Propeller

10. Check to see if there's a current class action lawsuit against them. If not take them to small claims court for claims under $2500 or Civil Court for claims over $2500 (Amounts may vary depending on your state). Filing fees and court cost in most states are $35-50 for small claims court. Make sure in your complaint / small claims suit you always ask for court costs, filing fees, collection costs, attorney's fees and interest.

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vinolia

Jul 08, 2012

My money was withdrawn from my account(fnb) while my bank card was with me,and the branch can'help me with the datailed stament

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Educated

Sep 15, 2010

I see part of the problem with this bank now. After reading (sorry for your lost time), I see the people who help this banks customers are under educated (Can't even spell), how can you expect them to do math especially with large numbers. I would definitely stay away from this bank if for no other reason than this.

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Negoti8or

Sep 15, 2010

None of this matters. If enough complaints are made to the attorney generals office, local and national new stations, maybe even a petition for the local news station to do a report on this institutions practices it will bring them negative public attention and people will stop opening accounts with these banks and some will close their accounts. Forcing the business to loose money and eventually causing them to change their practices if they wish to stay in business.

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sorry for ur lost time

Sep 10, 2010

as a customer service agent ,i can let you no that theres no theft no scam, no problem with their system,and that most of the banks like you said have their system the same way,they just will offer you diffrent thing different ways,we come across so many customers that treat to sue ,call police or ask to speak with vice presidents, and the system will still work the same ,some customers get upset that for .10 cents they are charge 34.97 when its a system who do that job and not a human the system will not see that the next day you have a deposit coming in or that you have years banking with us... a banks system dont work like that,in your research you should have seen thats more than 50 years operading the same way and theres a lot of complaints and that people will jus waste their money and time and friend small courts, come on these are banking institutions that cust dont read inf about fees that they will receive.their is so much inf that is given to cust when they open their acct,and when they receive their card is more inf...and its not read... again i dont bank with the bank that i work for and im the first on that after 10 years banking with usaa never had received a od fee or i had call to scream to the customer ervice that what we do is just going to work everyday to earn our money, thanks for asking cust to be calm because it is also not fear for us to help someone that dont want to listen and be help ... small claim court? lets really think who from the bank will... Show more

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