On 6/30 I called to check my checking account balance, the system said I had over 1,600 available, I was expecting an automated payment to target to visa to post for 1500, so I went to deposit a check for 4,985.00 to cover other purchases. I made the deposit on the night of 6/30, again, I checked my balance before I deposited the money and it still said I had over 1600 available. Well, the information was wrong, the target payment had posted but did not show on balance, and my deposit did not go through until the 1st, which caused 175.00 of overdraft fees (6 overdrafts). I called today to solve the issue because I just noticed the overdraft while balancing my checkbook. When I disputed the 175.00 fee a customer service rep transferred me to a support analyst, K. Hunh, but she only offered a 18.00 refund, I told her that was not acceptable. She said that more often than not the bank system does not show when automated payments post until after they have posted, which causes confusion, but there is nothing they can do about it. She was very rude about the whole issue. When I asked her to transfer me to someone who could help she disconnected my call. I called again and was again transferred to a support analyst, B. Vandiver, and he spoke to her about my account and told me that 18.00 was all I could get for the 175.00, when I told him I needed to dispute the matter he gave me this address:
Office of the President PO BOX 563966 Charlotte NC 28256-3966
Did not even give a name of a person, and said they had no supervisor available. Furthermore, he said if I called again they would close my account for harassment.
I am a customer calling for customer service, which they did not provide, and I got threatened with my account getting closed if I tried to seek further customer service. I now plan to present a formal complaint against these individuals, and continue disputing the 175.00 overdraft.
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