Let me first start off by saying I have never had this much trouble with a bank in my life! This last Thanksgiving day weekend I accidentally charged my Mazda account to my personal Checking. That is Fine. I caught the error and transferred money to my account. Everything was fine after that. I was charged a ridiculous $110 for this mistake but I admit it is my mistake. So on that Saturday I checked my account and noticed I got paid from my work (this was AVAILABLE not pending). I was shocked because I was not suppose to get paid until Monday. I went ahead and transferred 1200 to my joint account and left over 200 dollars in my account for my personal spending. I have a print out that says the transferred funds were "processed" on the 28th.
This is where it gets messed up. 5/3 charged me several overdraft fees and said my direct deposit (as well as my transfer) did not happen until the 30th (Monday). I was in the negative according to their "system" and according to the rude lady on the phone it was impossible for me to have that money on Saturday. So I thought I had over 200 in my account when after all there ridiculous overdraft fees i was in the negative. I am now over 500 in the red due to overdraft fees. I can also confirm that they do take out debits before deposits as to hopefully make people in the negative to charge them overdraft fees. This came from the VP of one of their branches. Should I take them to small claims court, get a lawyer or just pay it and close my accounts? What does everything think?
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