First let me say sorry for the long post just want to express my situation completely. I have had continuous problems with bankatlantic below is a brief summary of my account status and below an explanation of the problem
[]deduction/deposit*remaining balance[]
12/26 pending: dunkin -$6.16 -$300.50 161.40
12/26 pending: sunoco -$15.00 -$294.34
12/26 unavailable/od -$32.00 -$279.34
12/26 unavailable/od -$32.00 -$247.34
12/26 unavailable/od -$32.00 -$215.34
2/26 unavailable/od -$32.00 -$183.34
12/26 unavailable/od -$32.00 -$151.34
12/26 unavailable/od -$32.00 -$119.34
12/25 pending: blockbuster online -$19.07 -$87.34 140.24
12/25 pending: big daddy's -$25.19 -$68.27
12/25 pending: playstation network -$5.00 -$43.08
12/24 pending: ft laud & -$1.00 -$38.08
12/24 daily ledger balance -$37.08
12/24 merchant purchase ebay inc. -$2.10 -$37.08
12/24 pos purchase super stop -$5.65 -$34.98
12/24 pos liberty glbl -$7.13 -$29.33
12/24 pos lakeside jewel -$20.00 -$22.20
12/24 pos purchase walgreen -$25.10 -$2.20
12/24 merchant purchase -$30.00 $22.90
12/24 for overdraft -$32.00 $52.90
12/24 for overdraft -$32.00 $84.90
12/24 for overdraft -$32.00 $116.90
12/24 for overdraft -$32.00 $148.90
12/24 merchant purchase travelers -$354.41 $180.90
12/24 from checking account #2 $200.00 $535.31
12/21 daily ledger balance $335.31
Starting off from the bottom going up. On 12/21 my balance was $335.31, I needed to make a payment to my insurance in the amount of $354.41 My current balance wasnt enough so i transfered $200 dollars from my other checking account before i made the payment leaving my account at $535.31 OK subtract the $354.41 for insurance im left with $180.90, at least thats the way it was supposed to go. Between 12/21-12/25 the purchases i made totaled $140.24
I was incurred overdrafts even though i had an available balance of $40.66 When i called and asked the operator why she explained that it was because the payment for $354.41 was posted on 12/21 Then i explained how i made a transfer of $200 and she said it wouldnt have transfered until the next business day AKA 12/24 After alot of back and forth she tripped up and said transfers are instant unless posted on the weekend. I then questioned why I could be charged on friday but not receive available funds on friday. She then explains how I made the transfer on Saturday and it was completed on 12/24 (monday) This is ridiculous i made the transfer from my desk on friday12/21 before i paid my insurance. To sum it up im getting even more overdrafts from pending purchases that i assumed would have been within my account balance. So they lied and changed their records to reflect that i made the transfer on a saturday when i know i didnt. This is how it should have looked
$335.31 Starting balance
$200 Transfer from 2nd acct
$535.31 Total available
-$354.51 Insurance Payment
$180.90 Total available
-$140.24 Charges 12/21-12/25
$40.66 Total Available
-$21.16 Charges 12/26
$19.50 Remaining balance
In closing the numbers add up perfectly but what it comes down to is the fact that they say their records indicate i transfered on 12/22 (saturday) AKA non-business day. I have no way to prove otherwise and the online banking even indicates that i transfered on 12/24 which also conflicts with the info they gave me. I dont know what to do, clearly there is some type of fraud happening here so im lost.
0 comments