I have read about and I have seen the fine print from Suntrust bank that says they can post transactions in any order, not necessarily the order they occur. OK, I understand, and have taken a hit from time to time, even though I feel the $32 fee, multiplied by times 10 or however many charges, is ridiculous. Especially, if they had post the transactions in the order they occured, I may have ony overdrafted by a few dollars and charged one NSF fee. But again I have seen the fine print and just deal with the charges as costly mistakes.
However I was charged approximately $200 this month in NSF and have thouroghly disputed them. This is the situation-
I noticed my checking account was low and would overdraft when my mortgage check would come through in the next couple of days. I used Suntrust's internet banking service to transfer $1000 from my savings account to my checking account. The Internet website says that any transfer conducted before 10pm would post the same day. I noticed it was after 10pm so I realized it would post the next day. That was Aug 8. I
still thought I would be ok.
Days later when I checked my account I noticed that it had overdrafted. I checked and the transfer did not post until Aug 10th, and it posted after all of the other debits from my account posted. Stupid me, I did not print out the transfer confirmation page and had no proof that the transfer should have gone through on the 9th. I thought surely this could be fixed. Not by the bank branch. They talked to me like I was a dumb jerk and referred me to their 1800 number. When I called they did some checking and told me that I had made the transaction at 12:05 am on the 10th.
I couldn't believe what I was hearing, there was no way that I could argue, however I did have proof that I had only visited thier webite at 1100pm on the 8th (Internet Explorer history). They told me there was nothing they could do. Basically thier computer log was calling me a liar. I am a police officer and not real the type to lie to a bank to get money from them.
What can I do? Nothing. I did however show up in uniform at the bank branch and tell them how very disatisfied I was with them. I told them I had been a customer since I was 12 years old, almost 20 years, but would be closing all of my accounts with them. I also told them that they had created a dissatisfied customer who would actively tell anyone I could about thier dishonest practices.
I don't expect to ever get my money back, but I do feel satisfied telling my story and hope that other people will avoid Suntrust and not fall victim to thier computers that hold the financial fate of the working man.
But then again their computer log does show me to a liar. Thank goodness my computer log doesn't think I'm a liar.
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