How does my local Bad Banking & Trust get away with their bad practices. Recently we had a nsf charge on a check that was presented after deposits were made (we also have overdraft protection) the check was sent back to the merchant who sent us a letter and we went to pick up.
A week or so later checking was still adding nsf charges cause that one check was charged twice at the bank. The local branch told us it was the banks policy to hold checks and run through twice and gave us the 800# for assistance.
When we called we talked to the manager who said it was not the bank policy to run checks through twice that this was againt law as well as policy that the merchant sent it back and refered us back to the local branch who refered us back to the 800#.
We talked to the merchant who said they do not send any checks back twice that if one comes back they send out a letter to the person to pick it up. When we told the manager at the 800# about this she said the merchant was lying and trying to place blame on the bank and refered us to their policy and back to the local branch.
Well it'll take a while to straighten this one out. Notice the sign at your local bb&t bank that says deposits made after 2pm will be on the next business day. Well when we make a deposit at 2:30 P.M. On thursday it will not be posted until sometime friday night, how is that the next business DAY? If its posted the next night, the next business day is over with, right? If you walk in at 9:00A.M. Whe they open and make a deposit it will not post until late that night. Now wouldn't that make that sign false advertisment cause the next business day is done and over with when the deposit is posted.
Someone please explain to me how they can keep posting nsf fees when they are holding my deposit for the next business day.
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