Let's see how this bank's volunteer shyster-apologists whitewash this latest fleecing fee scam most recently brought to my notice:
A customer's check was "returned" since its corporate payee sat on it for whatever unknown reason for some four to five MONTHS before presenting it to the bank for payment, causing it to "bounce" since the customer had forgotten about it by that late date.
Let's request at the outset that all shyster-apologists restrain themselves long enough to forget for just a moment any condescending lectures about "balancing the checkbook."
Two (2) separate Notice (s) of Insufficient Funds came to the customer by post just a day apart.
The first notice indicated that the check was presented on Sept. 17th and that the requisite "insufficient funds fee" would be deducted from the account the next day on the 18th.
Action Taken: Check "Returned."
The second notice coming by post just a day later indicated that the selfsame check was presented for payment on September 19th and that the requisite second "insufficient funds fee" would be deducted from the account the next business day on the 22nd.
Action Taken: Check "Returned."
Both notices weren't even posted to the customer until the last couple days of the month (the 29th and 30th).
"Seriously People"—to coin a chirping phrase from one prolific shyster-apologist at this site—just one question:
How can any paper check (not an electronic debit) be presented to the bank for payment, returned, and re-presented to the bank for payment within two business days' time???
Not even the SHIFTIEST of shyster-apologists can credibly convert even the most superstitious and unsuspecting of customers to believe that the postal service delivers mail THAT FAST!!!
Question's Answer: It can't conceivably occur except to perpetuate this bank's chronic corrupt practice of customer-fleecing fees!
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