First Niagara (Bank)
Charge Overdraft Fees when I never went negative and then LIE about it!

I look at my bank account this morning and find that I'm negative $117.00. I think to myself "impossible, I should have like $3.00" (I live by the penny" I see there were 4 Overdrawn fees from the bank, totaling $120 JUST IN THE OD FEES!

As I look at my purchases I see that they charged me a $30 OD fee BEFORE I WENT NEGATIVE! Then, because of that OD fee, I went negative after that. The total of my purchases from that OD charge and on is $61.22. I had $64.22 in the bank, leaving me with $3.00 just as I thought!

I call the bank, (the main center, not a branch) they try telling me I didn't understand and it's because of holds. I ask them what holds I have and even so WHY they charged me BEFORE I actually went negative. She answers with "There are no more holds on your account", therefore, I never went negative... And I should have $3.00 in the bank.

Nope, not good enough, it's still my fault SOMEHOW, well the manager tries telling more stories... I ask to speak to the Manager and she proceeds to tell me stories, none of which make sense. Finally the manager says, "Well because it will take me a while to look into the holds (which little did she know the other lady already told me there were no holds and everything had gone through) she just gave me a COURTESY REVERSAL on the fees totaling $120! A courtesy!!!

Company: First Niagara (Bank)
Country: USA
State: New York
City: Albany
Address: 1892 Central Avenue (Althouth It's ALL Branches)
Phone: 8004210004

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