I was recently unjustly charged over draft fees and received no assistance whatsoever from customer service.in fact, they were not only extremely rude to myself, but to the customer service representative in the local bank as well. I logged onto one of my accountson-line an noted a balance, as well as three pending transactions. The balance was more than enough to cover those transactions, as well as leaving a balance for myself (12/18/07). I was asked by our temporary rental agency to give them a post-dated check for 1/08 (sort of collateral) as these are temporary rental situations for college students, corporate transfers, etc. The check was dated for 01/01/08.
Unfortuantely, the rental representative mistakingly deposited the check immediately on 12/19/07 and we had not yet transferred the funds over from our other account for this particular check. I had gone on-line on 12/19/07 in the A.M. And noted that particular check with a pending sign next to it, and the other four transactions were still pending (unbelievably). They actually has posted that particularly check before the other transactions and cashed the check leaving me negative ex-amount of money in my acccount and then proceeded to mark the other four transactions (which were presented beforehand) in red indicating overdraft. I called customer service immediately and explained the situation and they informed me that the rent check was still pending for review. I asked why it was even cashed as I was not aware that it was being presented as it was strictly a deposit so to speak and I had not yet transferred the money from my savings, which that account is with them as well. They simply stated they do not look at dates and I should not have written the check to the rental agency. I then asked why that particular check was posted to the account before the other four transactions as they were present before the presenting of this check, which means the other transactions would have been taken care of and although I was in the process of transferring the funds from other account, if worse case scenario, I would have only been charged for the mistake with the rental agency. They simply informed me that they do not decide which transaction to take care of, it just so happened that the rental check was posted before the others. (How convenient for them!). I then asked why my computer is showing the rental check cleared and yet their computer and the computer at the bank is showing it still pending. They stated that their computer only shows pending (another discrepancy). I said fine, Ok then, if the check is still pending according to YOU, then why am I being charged five overdraft fees (35 dollars each) for the other items that should not even be pending any longer, as well as the rent check.
That makes absolutely no sense to me; and in fact, none of it made any sense, but the more questions I asked, the more the customer service representative became irritated and did not have any answer. The customer service rep at the local bank was spoken to rudely by them as well and agreed with husband and I that there was something particularly right about the situation, but that she is not anyone apparently that they would listen to. I am outraged by the behavior of this bank and customer service. I am left paying for fees which I should not have incurred to begin with (200.00 dollars worth). I was treated terribly by the customer service and could simply not get any answers that made sense. I had a wonderful relationship with my bank in our previous residence, however, unfortunately due to a company relocation situation, we were unable to keep the same bank. I want something done about this as this is not right that these people are getting away with this. I will write and speak to anyone that I need to in order to rectify this issue.
I am presently in the process of closing my account with this particular bank and seeking another. I simply cannot continue to do business with such a horrible institution.
Tracy
East Greenwich, Rhode Island
U.S.A.
0 comments