I have a Fleet National Bank basic savings account and nothing more & an ATM card.
Now my problem is that someone was able to take out over $850.00 when my savings account balance was only a $111.00. When I found out about this within 2 days I reported it to my bank's local branch and they told me all I had to do was file an ACH form stating my account was overdrawn by fraud and sign and told me to come back the next day and they would have the forms for me to sign, including that my account was on hold and nobody was going to take any other payments out.
So 5 hours later i find out another $400.00 Dollars now with a total of -$1200 negative. I call up customer serivice and explain and they cleared the last $400.00 dollars within minutes.
Now When i go to the bank the next day, the bank service rep. Naomi tells me that this process will take 3-4 months to get my money back and in the mean time they will take my daughter's Disability (SSI) check when it comes in as a credit within 2-3 days. To make that short that day I was given banking statements of withdrawls and was told I needed those to call up the Fleet National Bank Customer Support line and give them some numbers from the statement so that they could process the "reversal" over the phone with me.
So today comes and I spent 3 hours on the phone with Fleet National Banks support team and supervisors, general managers and was told that now "since my account is a Savings account" they cannot process any reversals, only checking accounts.
Then I told them that ACH organization deals with both Checking and Savings, they told me few seconds later that now "these were not ACH payments" so we still cant do anything. I believe my cousin used my account somehow on a credit/debit payment service online but will not tell me either and I cannot prove anything because the company that took this company has no support number and doesnt respond to my emails. As far as the banks policy on Savings account I called up the bank pretending to me a new client and i was recording the conversation I was confirmed by 2 service reps and 1 manager that if I was to open a regular savings account and have "any" debits greater than my credits that the funds would "NOT" be paid and the account would be on hold for Fraudulent protection and that I would be contacted via phone or writing within 3 business days.
Honestly, this has not happened yet and its been over 5 business days. My conlusion is that either they made a mistake and do not want to pay for their mistake or they do not know that laws/rules on these matters and wish not to comply with me regardless. To top it off my credit report is clean, i dont have bad or good, I just have "no" credit, and now I'm going to lose my disabled 2yr old daughters disability check to the bank ($630.00) plus something like $900 they say I owe them with not 1 writtin auth. From me saying I accept to pay $900 I dont have. To end the story they said these were
"WEB INITAITED" debits so therefore I owe them money regardless if i had the money to cover/or regardless if it done by another person.
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