Usacomplaints.com » Business & Finance » Complaint / Review: First Union National Bank - Overdraft fees ran up account to negative $250. #64099

Complaint / Review
First Union National Bank
Overdraft fees ran up account to negative $250

First Union is so messed up that I don't really remember how all these fees were incurred it's been so long ago but it seems it was like this. I had say 100 in the bank that they were showing I had made a deposit which did not post until the next day for 100 more dollars I had written several small checks and a couple of larger ones most of them came in on the same day instead of running all the little checks through and bouncing the big check They cashed the biggest check bounced the next largest one next, to get all the money out of the account in fees, and sent back say 4 checks for 10 to 20 dollars a piece, at 29 dollars a check that is 126 dollars, my deposit comes in for 100 so i'm 26 dollars in the red, the other two checks come in and are returned another 58 dollars, no way i'm paying this not and having to pay to pick up all these checks too, my two hundred dollars except for the one check for 60 or 70 dollars is gone in fees.

Even if they had payed all of these checks and then charged me fees that would have been an obscene amount to pay. Then all the checks are run back through the bank again six checks at 29 that is another 154 so lets see i'm 240 in the hole just in returned check charges not to mention the 130 i did pay them, that is 370 they charged me in fees for two hundred dollars worth of checks that the money was in the bank for and all this happens before i even get a notice that I have a returned check, then i get a notice I owe them like 175 or something then a final notice of like 240 is that insane or is it just me? I think first union is crazy.

It might not have cleared there machines but it was there even if they had payed all the little checks and sent the big ones back I probably wouldn't have minded to pay 29 or even 58 in returned check charges which is crazy but i messed up I would have definatly paid that but no way am I paying what they want me too. If they had run the checks through properly with common sense

But no they chose the costly way now I no longer bank with them it would be hard for me to get a checking account with anyone if I didn't already have another one. This account was only an alternate account for me it wasn't even a primary account. They just used their overdraft fee to make a killing off of me and adversly affect me for the rest of my life.

As this is reported on my credit file and they can actually verify that I owe this debt. Amazing that the order a bunch of checks go through the bank could have that much effect on a persons life They have since merged with wachovia I hope that they don't bring this sense of customer service to thier partnership.


Offender: First Union National Bank

Country: USA   State: Virginia   City: Norton
Site:

Category: Business & Finance

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