I recently had a talk with a rep from this bank. I had over $150 worth of overdrafts. I had her explain what happened and she really couldn't. It seems I had charges go through, and I now only use my debit card. When your debit card has a charge, the account is supposed to lock that amount of money until the actual posting that evening. I had two charges on hold/pending, and they were small. Then I deposited some money before noon. I then made a transaction after 3pm. This transaction was for $300.
Here is the end result. The deposit did not post to the account because it was a check. The $300 payment I made at 3pm got posted and knocked the other two or three charges on hold off hold, so that they could be charged overdraft. Now my argument was twofold. One, if the funds are on hold and not available, then how did the $300 charge knock them off? And two, if I made a deposit of any kind before 12, then it should post that night before midnight.
They took all the charges off my account. BUT since then, I think my account has been targeted to get it back. I have had over $500 in overdraft fees in the past month due to the way they post largest first.
Someone needs to do something about how this bank treats its customers!
I can get timeline reports of the account if a lawyer would like to see them and start a suit.
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