I currently received six overdraft fees on my account yesterday. The funny thing is they were for transactions that cleared and still left me with $176.00 in the bank. When I called they said it was because I transferred a large sum of money into my savings, leaving me in the negative (which it actually left me with $500.00 in the account. Even after the transfer and the outstanding fees, I had a remainder of $176.00 left. Then they said it was because I had two other transactions pending.
When they explained, they said the pending transactions (the one's that they have no hard copy for or much less even know for sure that they will have to pay) overrode the transactions for which were confirmed and had hard copies were in hand. So rather than charging me for the two that were pending, they charged me for the six that were cleared. Not to mention, the pending didn't clear until this morning, and so did the transfers and deposits I made the day before in order to covered the pending transactions.
I know this sound confusing but in all they chose to overdraft on the day with the most transactions. Not to mention, with the deposits and transfers, I was never in the red to begin with. Then they say they're computer screen shows something different than the one I log into to. They also use the confusing "Today's Balance", and "Available Balance" tactic to confuse me more. Basically they ANTICIPATE overdrafts and charge based on that. I have copies of my online statements to prove I was never overdrawn.
Melissa b.
Aransas Pass, Texas
U.S.A.
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