I have had trouble with my LaSalle Bank account since I opened it & now that Bank of America took over, it's even worse. The only reason I opened an account at LaSalle Bank was for direct deposit. They opened the account for me without doing a credit check. They also gave me a "free" gift of a $50 Mastercard debit card for opening the checking account. It wasn't until tax time the following year when I received a 1099 form that it wasn't free.
My biggest problem with them is the way they handle things. First, what is on their system does not match what's on online banking. I do not like or totally understand the concept of the "debit hold box". Sometimes it holds things from Thursday until the following Tuesday, before processing. So if you have money in your account to cover all these items, then on Tuesday something comes through that you forgot to cover, instead of just "bouncing" that one item, they put everything through largest first, so that they end up with more smaller amount items that bounce, therefore letting them charge fees on more items. And by putting all these items in a box, they are not being processed in the order they were received, which I believe is how it should be done.
They are inconsistent with how they do things, turning things around to their benefit. One time they say that they put the largest items first, figuring the largest items are more important. Then the next time they return my mortgage payment, which definitely is large & pay they other things. They say that they put things on a debit hold until the receipts come in so they can verify the amounts & signatures. However, one time I let my daughter use my card at the grocery store, she forgot & signed her own name. The bank never even noticed, let alone contacted me about it. So what are they actually verifying? How many more fees we can hit this person with?
I did a check over the phone for my car payment, which charges a $5.00 fee to do a check over the phone. I was short less than $10, so they paid the $5.00 fee, charging me a paid item fee of $35 & returned the actual car payment, charging me a return item fee of $35. That's ridiculous.
Today was the last straw. When I went to bed on Tuesday night, I had $4 in the account. On Wednesday morning, a check went through that I did forget about & I was overdrawn $80. I asked my daughter to put money into the account so I wouldn't be overdrawn. She put in a $150 check from her account (different bank) early in the afternoon, which cleared the following morning.in the meantime, they charged me 5 OD fees at $35 each for debits I made that didn't even total $80. So that sucked up the $150 that we deposited, and the following morning I was hit with 3 more OD fees. I called the bank & she said I would have to come in & talk to the Branch Mgr., George. Today I went in there & talked to him. He said I need to talk to a personal banker first & then he would see what he could do. I did this, he came out with another man who was from Bank of America, apparently teaching the LaSalle people BOA's ways. They pretty much said too bad, so sad & actually walked away while I was still talking!
I also had a question about something unrelated to these OD fees & the lady handed me a pamphlet that was about 100 pages long of rules & regulations. When I asked her to show me where in the book my question was, she started looking page by page & couldn't even help me. So she gave me the book to take home & read for myself! This incident had to do with filling out the form to stop an automatic debit & they all told me that wasn't handled in the bank any more, I had to call the 800 customer service line. (I did that when I came home & got no help there either.)
They are money grubbing idiots who train their employees as sales people, rather than customer service people. While I was there, each telling was trying to get their customers to sign up for a line of credit charge card. After all of this, I got in line to take my money out & there was not one teller there for 5 minutes. They all went on break at the same time. And people wonder why the banks are failing. Well, BOA will have their day & I can't wait.
I have some records & letters of incidences with LaSalle & BOA & I would be most happy to talk to someone to make these people stop (ie: congress), if it doesn't conflict with my work schedule. I am also most interested in filing a class action lawsuit if anyone can help me or join me with this. This bank has taken well over $1,000 in fees over the last 2 years. I would love to see this bank have to audit every single account, pay people back, or at the very least, stop these deceptive practices. Thanks!
Tiredofit
Hometown, Illinois
U.S.A.
0 comments