Hibernia's headquarters is in New Orleans, La. After hurricane Katrina, they suffered severe losses and the systems went down, mainframe records had to be moved, etc. During this time, I made a deposit at a local branch and my direct deposit was to go through as well. Neither was showing the next business day, as they were supposed to.
That was ok at the time, I knew there were problems and those people down there were suffering. I knew there were larger problems than my checking account. To be on the safe side, however, I called the 800 number and spoke with a representative, stating my direct deposit had not posted and neither had the teller deposit made the day before. This was on Thursday, Sept. 1. She was very kind and advised me that they were aware of this and any outstanding checks, etc., would be honored without overdraft fees. I thanked her and ended the call.
The next day, there was still no deposit of any kind. I called back just to check on things and was advised that they had no idea when the system would be back online, but was again told that NSF fees would be removed and checks honored. What happened after this was a nightmare.
Off and on during the course of the weekend there would be random amounts of money showing up in my account. I could only check the account via ATM, so there was no way to verify online or by phone what deposits were made or not made, what had posted or not posted. I kept track the best I could, but sometimes there was more money than there should be and sometimes less. I tried very hard to keep track based on what the deposit amounts should be but it was still impossible to make sense of what was happening. Monday was a holiday and there was still no word as to what was going on with the account.
Tuesday came, and with it more confusion. Every single ATM withdrawal or online payment I had made was on an NSF hold, and for each one I was charged an NSF fee. I contacted customer service by phone to verify what I was told and was advised that that information was incorrect.
I went into a branch and they advised me it was my fault, there was no such provision made. Keep in mind, at this point NONE OF THE DEPOSITS have posted. They seem to have disappeared into thin air. No assistance in figuring out what happened with this. True, due to all of the confusion IT IS POSSIBLE that I overdrew my account, but it was not due to keeping poor records.
This was just a cluster of mistakes and errors by all involved. And if it were overdrawn in my error, I am happy to pay for what I overdrew but not for 1200.00 which is what they are saying that I owe them. They are not taking anything that I used this weekend out of any deposits and refuse to assist me. They refuse to help me find out about what is going on. I will get to the bottom of this but if there is anyone else out there with similar issues I would very much like a rebuttal.
0 comments