Netbank notified me by e-mail on December 27 that a deposit of $925 I had sent via USPS would be placed on "hold" for 7 days. I had already seen the deposit show up on my online statement. I had received confirmation from USPS that Netbank had received the deposit at 1:45 on 12/24, signed for by T. Whitney. Since it was Christmas Eve, I wrote several checks and had made several other type debits against the deposit.
As soon as I received the "hold" notification, I responded as quickly as possible to Netbank to avoid the potential disaster. It did no good. I began receiving many notices of insufficient fund. And service charge fees of $25 each on more that a dozen transactions. All this time, my account balance was showing near $1000 in the positive.
Netbank has been arrogant, rude, unhelpful, and unresponsive.in no way did I deliberately cause this to happen. I had no reason to believe the funds would be placed on hold for any length of time, since I had previously made deposits by the same method. I did have to call the operations department to get some of my mailed in deposits made available, but that was within the first few weeks I had the account. I assumed (wrongly) that that situation would not occur again.
I have offered many solutions, all to no avail. I have been as cooperative as possible. I have paid the $25 NSF fees previously when I deserved to have the fees assessed due to my poor bookkeeping.
Today is January 3, and I have been forced to survive by pawning personal property, utilizing the "payday loan" stores, and mostly doing without since Dec 27. All this when I should have almost $1000 available to me., rude, unhelpful, unresponsive
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