I made a purchase one night and I did not have enough money on my account to cover it. I knew that I could go the next morning and deposit cash, so that I could have the money available right away to cover that purchase. I went to my bank and I attempted to cash my checks and then deposit cash.
The representative says he can't cash the check or take cash because the system won't permit it. I was told the reason was that my account was -$148.00.
I said that I was trying to prevent paying an overdraft, and I wanted to deposit cash.
He told me that I could only deposit checks. I deposited my checks and then he assures me I won't have an overdraft, and that my money was going to be available that night. I went online to check my account, and of course the bank did not have the money available until the next day and I was charged 2 overdrafts. I had 2 purchases and the bank paid the higher amount first so that I was charged 2 overdrafts.
I went back to the bank and somebody else tells me that I could have prevented an overdraft if I deposited cash. I explained to the lady what the othe representative said, and she said it was not correct, I could've deposited cash. I went to talk to the representative that lied to me, and then he lied some more saying that he had advice me to cash my checks somewhere else. He was so rude, and kept lying, I said to him why would I give you checks if I had the chance to cash them somewhere else to prevent paying overdrafts? I am taking my money somewhere else, and complaining to the OCC
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