I have been hit several times for NSF fees at $38.00 each totaling $400.00 this time. When this first happened I blamed myself figuring that I goofed up. I complained but they seemed to prove I was wrong. Then it happened again, but this time I was showing a positive balance. I went to the bank and a fortunately got a very sweet lady to help me. I was so mad but this individual named Lisa actually calmed me down. Again, I could not and they could not explain why I was showing a positive balance and they weren't. We went all the way back to April but still could not figure it out, so again I was hit with eight NSF charges. It just happened again this week and I have had it.
What they are doing is wrong and illegal from what I have been told. They hold deposits no matter what time you make the deposit and it does not count until the next day, unless it is after they close and the it is not posted for 2 days. I made a deposit and on the date of and the day following they again hit me for NSF charges for a total of nine.
According to my information a credit is suppose to be posted before any debits. But they have figured if they hold deposits until the next day or so they can add these charges to their customers. Now I am not a rich person and I can not afford over a $1000 worth of NSF charges in less than 2 months.
They treat their employees the same and threaten them with termination. I think that's "unfair" is too nice. Just because they are the big banking industry does not mean that this the correct way of doing business. I might be considered one of the little people but I have a total of three accounts and I am a Realtor. So not only am I pulling three banks accounts with several thousands of dollars going through these accounts, they will not get a recommendation to any of our clients for home loans or any type of banking services they offer.
I am also writing to the head of the corporation and if I do not get a satisfactory outcome then I might just have to bring in the news stations, attorneys, and what ever else I need to right the wrong!
Beware consumers!
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