Since the change over of First Charter Bank to 5th 3rd Bank, I have had nothing but overcharges, fees and complaints of what they practice.
I also have had changes done one day to the next. I would have the money in my account when doing an ATM transaction, with receipt showing a balance yet, the next day, there were changes made to my account and fees taking out what they say I did not have a right to take out.
They also once paid a check when I was negative over $200 and when I asked why, they stated word for word, we saw that the money (direct deposit) was coming in.
They also removed my overdraft protection without informing me. They stated they did not have to when I asked why I was not informed.
I closed my account because they robbed me of thousands of dollars, in which I had some direct payments taken out monthly for bills and I am now getting notices for fees charged because they received a notice to remove funds for billing.
They stated that they could reopen my account when this happened and that they could charge these fees.
I want to know why nothing is being done about the banking industry and the way they operate. Banks have the option of paying if they want to pay a check, they have the option of charging fees or not, they have many options, but we as the consumer do not. Why? I would like to present a bill to congress to change this and to have the banks pay back all charges that were taken unfairly.
Also, they should not be allowed to charge more than what it costs them to notify you that a check did not go thru due to insufficient funds.
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