I can not even believe my present situation.
I loved First Charter.in 6 years, it was financial bliss and nothing ever bounced or caused issues. The service was always fantastic, and I could NOT complain.in fact, I bragged ALL THE TIME. Then we get a letter that they have been purchased by this so called "bank."
Everything seemed fine until our funds were a little low. That's when the anguish began.
They bounced my rent check (first time in 3 years of renting) BECAUSE their policy is to process DEBITS first, deposits second! A deposit well over the amount was made MINUTES LATER. How is this fair? They rejected the check then proceeded to charge me $132 in NSF fees. I went to the bank branch (crying may I add) and demanded an explanation. They could not even tell me how any of it made sense, so they refunded me $99 of my money. I then had to take a certified check to my rental company tacked on with $80 in fees.
After that, I was paranoid. On Wednesday the online account was positive. The next day it was negative $138 due to overdraft fees DERIVED FROM A PENDING TRANSACTION. But because of how they process, again I was charged $165 in fees. I had my mom bail me out and deposit $180. She is 62 years old and should not be dealing with my stress. The teller told her since it was 11am, and cash, it would post immediately. So we pull up my account online and it's positive $43. A sigh of relief because THIS BANK CHARGES YOU $6 PER DAY YOU ARE NEGATIVE. Not so. They processed it the next day but it was EATEN UP WITH FEES by that point. So it was negative 88 dollars and now I owe my mom 180 on top of that.
I go to the local branch hysterically crying and no one can help me. They said because they credited me $99 back last week, that was all they could do. So I closed my savings and 2nd checking account on the spot. If our checks weren't being deposited in 5 days, You can BET I would have closed it RIGHT THEN.
So Thursday, mom deposits $100 to fix the account - AGAIN BEFORE 2PM. The account was positive.
This morning, we're negative $28. Why? A pending transaction from 12pm Wednesday (Today is Saturday) that has sat for days. There was money in the account to pay for this. But again... They processed my debits first and obviously mom's deposit did NOTHING again.
I have been on the phone with this so called bank and what an unsympathetic group. I begged for someone in a suit with some clout, she said they didn't have access to that person. Basically their attitude was S.O.L. I couldn't believe it.
So now we're in the hole $26- and this group of idiots have cost us somewhere around $450 - not to mention I took 2 days off from work to open a new account with a bank. I have never been treated so unfairly in my life, and I have already left voice mails with a few consumer protection lawyers. This bank has ONLY been here in NC since June 9th.
My statement makes absolutely no sense and I'm not taking this lying down. If you LIKE to have money, You had BETTER NOT BANK HERE.
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