On October 1, I went into my on-line banking and noticed that my house payment had gong through sooner than I expected. No big deal, my payroll check would be deposited the next day and I was fully aware that I would have a $35.00 NSF fee put on my account. I looked over the rest of my transactions that had already cleared and knew that nothing else would be coming through. I saw everything on there including a charge from Longhorn Steakhouse which showed cleared that my husband and I had went to the night before.
The next day, October 2, I again looked at our account and saw that things had been rearranged and that the charge for Longhorn was now showing that it was also NSF along with my house payment thus causing another $35.00 fee. I called my local branch because this is what customer service told me to do since they can not reverse fees. I talkd to the branch manager at the branch at Wal-Mart on South Emerson in Indianapolis who pretty much told me... Too bad. She then proceeded to give me a lecture on my house payment going through. Ok, my bad, but I am not a child and I realized that there would be a fee for that. I have no problem with the fee for the house payment, what I have a problem with is seeing a transaction the day before show cleared and then the next day see it as a NSF transaction. I know that banks do this because they go highest to lowest but how can this be done when you already show the transaction as cleared and then the next day show it as not.
I would think this would be illegal. I am sure it is not since this great country of ours doesn't look out for the consumer but the big corporation. This is obvious by the bailouts of this last year. I could change banks but what is the point. I have been told by other people that their banks have done the same thing to them. We are all up in arms over health care and this and that, what about the consumer being ripped off by organizations that we trust with our money that we work hard for?
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