I live in Arlington Texas and bank at the 1st Convenience bank. I have been charged $330.00 in overdraft fees. The bank took out a higher debit amount and charged me$231.00 in overdraft fees on 7 debits that I had done over the week-end of 4/28/06. I had a positive balance of $95.32. I went thru the week-end and kept my positive balance.By Sunday May 30th, my account still had a positive balance. I actually had a positive balance down to one penny.
On Monday May 1st, about 7:30 PM, I went to the ATM and made a withdrawal even though I didn't have the funds to cover it. I knew I would only owe the 33.00 and the money that I had withdrawn on Monday night. I would get paid the following Friday and my company would direct deposit my check, no problem. I knew that since I was pulling that money out of ATM late that evening, the debits I had done over the week-end would clear because I had enough money in my bank account to take care of all the debits that I had done during that week-end.
Well, when I went on line to look at my account on May 1st, I had a negative balance of 231.00. The bank, took the 100.00 that I withdrew on Monday night (I remind you that I did this after 7:30pm) and they bounced all 7 of the debits I had done over that passed week-end. I couldn't believe that they did that. How can they be able to take out a larger amount first and bounce 7 smaller items just to make money off me? Then the money that I took out of the Atm that Monday night, they didn't even post to my account until 48 hours later. Why did they bounce all those items, when they new it would cause 7 transactions to bounce.
I called the bank and spoke to a represenative there that was so rude, I got angry. She told me that there is nothing they can do and that I need to pay the balance immediately. I explained to her that the ATM wasn't even taken out of my account for 2 days and she said that they didn't cause the error, so they are not responsible. She todl me they always take the higher amount first. I spoke with what they call a supervisor and was just as unprofessional as the first lady I spoke with. She did not want to help and just kept telling me that there's nothing she could do. She said go to the branch and speak with a manager. So I did, I handed her my print out from online banking and showed her where the money was reserved for the debits I had done that weekend.
She said that she would talk to the district manager and have him call me because she is just a fill in for the regular manager. About Wednesday, I received a call from the District Manager, he told me that he would refund $66.00 as a courtesy, but he would not refund anything more. If they can't refund Nsf fees unless it was a "bank error" why was he so willing to refund $66.00? Well, that courtesy refund, it never happened, imagine that.
First convenience Bank has done this to me before, cleared a higher amount and bounced all the little amounts, and when I called them, they refunded my money. I do not know who is over this bank but I hope someone does.
If you are thinking of opening an account with 1st conveneince, i hope you are a rich person. You will need all the money to bank here. They say "free checking" well nothing free about it.
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