Here's how my day started today. I woke up and looked at my bank, here's what I saw:
Date debit/credit amount balance
06/19 deposit $100.00 $98.58
06/19 debit for checkcard $8.37 $-1.42
06/19 debit for checkcard $17.98 $6.95
06/19 debit for checkcard $20.49 $24.93
06/19 debit for checkcard $65.29 $45.42
06/18 check cleared xxxx $30.00 $110.71
As you can see, I started the day with over a hundred dollars. And Compass does what they ALWAYS do, let's take money first and then apply the deposit. I had one purchase that caused me to go over my limit. I was over by $1.42. So, you would think, one NSF fee, right? NOPE I received NSF fees for the entire day's transactions. Fun right? NOPE it get's better. So, I received an email alert as to these new NSF fees while I was in my car driving home. So, I pulled into the bank to discuss this matter. I normally don't bank at the Lone Tree Branch, but decided to today just because it was convienent.
I was told that I was charged the NSF fees because there wasn't money in there. Really, how could I start the day with 110 in the bank, I had 111 in debits clear, and now I'm being charged four NSF fees. So, how could this be. The manager (DON) refussed to speak to me or explain how this could be. But did inform me that I would incur an additional 4 tonight because now I'm over drawn b/c of NSF fees. I said no. That's not gonna work. I had money in the bank. I will accept 1 NSF fee, but that was it! I asked for his boss's name and phone number. When I did, the manager became even worse. He did however, go and get the number for me. When he came back, he said, leave or I will call the police. Really, call the police why? Because I asked for your boss's name and number. Let me know how that works for you. I tried to make a deposit to cover the fees. But he would not allow me to make a deposit.
So, I left, and called their 800 number. Talked to a manager there who told me to go to another branch and make the deposit and I would NOT receive fees again tonight. But still couldn't explain to me how I'm being charged for having money in the bank.
So, I proceeded to another branch across town to make there stupid 1PM cut off time for today's business. Here's where the even bigger surprise cames in the manager at the other bank CLOSED MY ACCOUNT without my knowledge. I didn't authorize this and asked how this could be. Compass has a policy that ANY employee can close ANY account at ANY time if they want to. Here's the even bigger kicker, they have 10 days to inform you that THEY closed your account. What. OK, I spent the morning at the Motor Vehichle, and Vital Records, and wrote checks for these and now my account is closed without my knowledge and you are going to return these checks and charge me. How can this even be true. How can they do this without ANY notice? If I didn't go into the 2nd branch, I would have no idea. My paycheck would try to go in next week, I would pay my bills, and have NO knowledge that this was even going on.
Thanks for listening
- Screwed In Denve
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