I was told when I opened the account I had overdraft protection meaning if I was negative I will still able to use my debit card. I have direct deposit and I still had a few hundred dollars from the last deposit.
I made 14 different purchases from $1.07-$31.41 and still had money to cover my car note, the total from the 14 transactions were $96 and some change. I was told that the ledger balance is when my transactions were posted and the available balance was when the pending transactions have been subtracted and put on hold. When it's put on hold that means those transactions are covered regardless of what clears before or after that.
Now when I call the customer service personnal they say it was not covered because other transactions went thru. To me that means i'm double paying because im paying $34.95 (overdraft fee) for a $1.07 transaction that was suppose to be covered according to the person when I opened the account. Now I have $209.82 of overdraft fees because the bank says they weren't covered.
If the amount was subtracted from my balance how is it not covered? Why should I pay for this again and it was taking out of my account after swipping my card? This bank does not know what they are talking about and contradict themselves.
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