I had an automatic toll tag credit card charge of $40 that came through, my account only had $10.00 in it. The bank approved the charge and then created a $30.00 overdraft and then charged me a NSF fee because I didn't have funds.
Per the bank they will allow your account to overdraw and approve charges even if you don't have the money and it is your responsibility to make sure you have the money in the account or they will charge you. It is not their responsibilty if you over draw your account. Then way are they approving charges when the money isn't there, they should never allow a check or a credit card charge to go thru if there are not funds. We all make mistakes, but for them to overdraw my account and then charge me for it, is only another way for then to get money out of us. I feel there should be a class-action suit about this.
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