I recently had a talk with a rep from this bank. I had over 150$ worth of overdrafts. I had her explain what happened and she really couldn't. Seems that i had charges go through, now I only use my debit card. When your debit card has a charge, the account is supposed to lock this amount of money until the actual posting that evening. I had two charges on hold/pending they were small. Then I deposited some money before noon. I then made a transaction after 3pm. This transaction was for 300$.
Here is the end result. The deposit did not post to the account because it was a check. The 300$ payment i made at 3pm got posted and knocked the other two or three on hold off hold. So that they could be charged overdraft. Now my argument was two fold. One if the funds are on hold and not available, then how did the 300$ charge knock them off, and two if i made a deposit of any kind before 12, then it should post that night before midnight.
They took all the charges off my account. BUT since then, I think my account has been targeted to get it back. I have had over $500 in overdraft fees due to the way they post largest first in the past month.
Someone needs to do something about these scumbags!!!
I can get timeline reports of the account if a lawyer would like to see them and start a suit.
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