Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRSTBANK
State: CO

Complaint narrative:
" Dear First Bank Branch XXXX, I hope this message finds you well. My name is XXXX XXXX, and I am writing to address my inability to open a bank account with First Bank. 

I acknowledge that past interactions may have influenced this decision, but I would like to discuss the situation and find a resolution that allows us to move forward positively. I received a flyer from First Bank offering an opportunity despite previous concerns. 

Background : - As a person with a XXXX, I rely on accessible services, and First Bank is essential for my financial management. No other banks offer bonuses when opening an account. 
- I had a discussion with XXXX XXXX regarding the presence of an ATM at the King Soopers location where I frequently shop. As a person with a XXXX, it's important for me to have access to banking services at convenient locations. 

- During our conversation, XXXX mentioned that First Bank doesn't have an ATM at XXXX XXXX. However, I believe there might be a misunderstanding, as I have seen an ATM there before. XXXX suggested opening an account with other institutions, but I have legitimate reasons for preferring First Bank. 

Reasons for Preferring First Bank : XXXX. Climb Account Features : - No Monthly Service Fees : The Climb Account has no monthly service fees, making it a cost-effective option for managing finances. 
- No Minimum Balance Requirements : Not required to maintain a minimum balance, providing flexibility and ease of use. 

XXXX. Customer Service : - High Customer Satisfaction : First Bank is known for its excellent customer service and high customer satisfaction ratings compared to other institutions. 
- Local Presence : With a strong presence in Colorado, First Bank has numerous branches and ATMs, making it more convenient for local customers. 

XXXX. Community Involvement : - Community Support : First Bank is actively involved in supporting local communities through various initiatives and charitable contributions. I believe in the importance of community support and appreciate First Bank 's involvement. 

XXXX. Competitive Interest Rates : - Savings and Checking Accounts : First Bank offers competitive interest rates on savings and checking accounts, helping me grow my money more effectively. 

I hope this clarifies my preference for First Bank over other institutions. I am respectfully asking for the opportunity to open a new account with First Bank as a new customer, rather than being viewed based on past interactions. 

Request : I would like to request a meeting to discuss this matter and explore potential solutions. I believe that through constructive dialogue, we can address any concerns and work towards a positive outcome that my record be cleared and the ban lifted. I assure you that I am committed to maintaining a positive and respectful relationship moving forward. Without need do report this matter to the police, as my intention is to resolve this issue amicably. Also because I receive flyer from first bank. 


Understanding : I acknowledge that the bank has policies in place, but I am seeking an opportunity to demonstrate my commitment to maintaining a positive and respectful relationship moving forward. 

Your outcome in this matter would be greatly appreciated, as it will help me move on forward. 

Thank you for your understanding and support. 

Best regards, XXXX XXXX '' I would like inform to their lawyer if they still working with the lawyer.

Company response to consumer: Closed with explanation