I have had this problem before. I made 6 purchases on 26 Nov. I had an available balance of about $25, and I had made no purchases and everything showed on my online statement. The total of 6 were not posted, however they were showing on my statement and were already taken out of my available balance leaving me with a balance of about $25. On Monday 26 Nov 07 the 6 transactions were noted on the account as being made on the 26th. The next day I checked my account and the available balance was still $25 and the dates changed to the 27th.
I checked my account today after getting home and a charge of $171 from my insurance company was taken out bringing my available balance to -$145. The "Memo Debt was posted underneath the six transactions I made on Monday and their dates were changed to the 28th! Perfect if you want to screw someone by posting all of those transactions and give them a total of 7 overdrafts, rather than just one for the $171 that was deducted today.
I called the bank and they confirmed that the $171 was an insurance debt, however I never set it up to be automatically debted. Now get this. This transaction showed up today, and the bank says that this transaction will post tonight! Meanwhile these transactions from 2 days ago will be left unposted and I will get overdraft fees for each of them even though I had the funds to cover the 6 previous transactions. Why can this $171 come from nowhere and all of the sudden post that same night.
I had this situation happen about 9 months ago where I had the funds to cover all transactions, had money and because one $3 transaction I get 7 overdraft charges even though I had all of the funds available to cover every transaction but the $3. This is not right, and they keep changing the dates on my transactions. What a perfect way to milk someone for all of those overdraft fees. It seems they always change the dates when an overdraft is foreseeable. I can't go to the bank and deposit the necessary $145 because they are closed so now all I can do is watch myself be out of a lot of money over a greedy scam.
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