Victory Metal Roofing

Initial Business Response /* (1000, 6, 2015/06/01) */
Contact Name and Title: [redacted]
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@firstmidwest.com
05/29/2015
Revdex.com
Case #XXXXXXXX
To Whom It May Concern,
This letter is in response to complaint #XXXXXXXX...

filed by [redacted] against First Midwest Bank ("Bank") pertaining to the overdraft fee charged to her checking account.
The Bank charges overdraft and returned item fees (collectively, "Fees"), as follows:
The Bank does not charge an overdraft fee if the account is overdrawn by a total amount of less than $5.00.
When the Bank determines that the account is overdrawn in excess of five dollars, a fee of $35.00 is charged for each item with a maximum of five overdraft item fees assessed (per account) in a single day.
The Bank sends an Overdraft Notice each time the account becomes overdrawn due to the presentment of an item. The notice includes the amount of overdraft fees charged to the account. (Appropriate notices were mailed by the Bank to Ms. [redacted] at her address on record with the Bank).
The Bank also provides a grace period of 7 calendar days to allow sufficient time to make a deposit before charging a daily overdraft fee of $6.50 per business day until the account is brought to a positive balance.

On May 18, 2015, Ms. [redacted] made a deposit at one of the Bank's ATM machines of $484.00, however it was subject to next day availability since it was after the cut off time for deposits. Ms. [redacted]'s available balance prior to this deposit was $333.94. On this same date, two preauthorized debits were presented for payment in the amounts of $300.00 and $80.00. Since the funds from the deposit were not available, this caused Ms. [redacted] to incur the paid item fee of $35.00.
Ms. [redacted] has had fees refunded as a courtesy on December 26, 2014 in the amount of $70.00 and on April 8, 2015 in the amount of $35.00. At this time, the Bank will provide Ms. [redacted] with one final courtesy refund of $35.00.
If you need any additional information or supporting documentation, please contact me at (XXX) XXX-XXXX.
Sincerely,
[redacted]
Overdraft Services Program Manager
First Midwest Bank
OFFER:
Initial Consumer Rebuttal /* (2000, 8, 2015/06/01) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept the response, however First Midwest will need to accurately show credits and debits in the future. I don't feel this is a "courtesy" refund, because you don't display the debits and credits as you state. According to what you're showing the customer (as evidenced by my screenshot), you posted my deposit first, then two debits.