So I'm the kind of person who is very meticulous about my checking account. I write down my debits as I go, I keep all my receipts, and I do my bank reconciliation every bank statement I get. I also open anything from FirstMerit the minute I get it.
Interesting enough, I received 2 letters from them today. One dated 10/13 and one dated 10/20, stating I had overdrawn my account, at $25 a pop, I got kind of upset. I grabbed my bank statement, my receipts, and my check register and went through everything. I was missing a $2.87 charge... That was it.
Obviously very upset, I went to the local FirstMerit branch and spoke with Laura, it happens to be that Darla the asst manager and the actual bank manager are out of the office till a further date. I sat down with Laura and she went through my check register, my bank statement, and their only POS system... And I quote "Well Kirstyn, everything adds up in your register and the system and your not missing any debits"...
My first thought was "then why is my account at -$567 dollars?" She then proceeded to tell me that somewhere I must have missed something... Didn't she just tell me that I didn't miss anything? So she kept looking through my register and her system and came to the conclusion of "ITS NOT A BANK ERROR AND ITS NOT YOUR ERROR. I DONT KNOW WHAT TO TELL YOU." Well someone better figure that out REALLY quickly. I currently have 24 overdraft fees on my account.
My mom decided to call the bank, a BANK EMPLOYEE stated to my mother "Well, my account is severly overdrafted too, but no one can figure out why or where"... Its obvious that somewhere along the lines, they aren't doing something correctly when the employees that work there are having problems. This whole conversation ended with Laura taking my phone number and my SSN on a yellow sticky pad (which makes me feel even safer...:) and telling me that she is going to lunch and within the next couple weeks that someone will contact me, but unfortunatly they can't do anything about it. Hate to say it, I can't wait a couple weeks and they are going to do something... I have a car payment, a cell phone payment, and other such bills to pay.
So were back to square one... My register being mathmatically correct and no one know where the error came from.
I would highly advised anyone NOT to use FirstMerit bank... I know numerous people who have had the same problem.
I am going to the coorperate office to get answers from someone.
Kirstyn
Louisville, Ohio
U.S.A.
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