Recently I deposited a check which did not go through. But my bank "gave me credit" for it (which I had not asked for) to pay the outstanding intems.
Instead of my depositing the check and wait until it clears and the it would be available - which was done for at least 3 years on my account, it would show immediate availability, giving me the idea the check cleared already, which is very deceptive.
"We are doing it for you good, even that the money is not there, and pay the outstanding items" (But then we charge you for it $33.00, so we actually make money off of you)
What happened was that the person's account who gave me the check had to be closed down because of a fraudulent activity. After I deposited the check and it bounced I was informed very late, so the charges would accumulate on my account. I fixed it, was in plus, another item came in, overdrew my account, and I got my notice late again, in fact only because I checked it on the internet, otherwise I wouldn't even know about. I paid it yesterday, anothger $20 and was in plus for $3 and something cents.
I decided to close down my account because this service just sucks and is really a rip off. But when I talk to the customer assistant she says we can not close your account down today because your deposit, even that it was cash doesn't show here yet in the system, you have to come tomorrow. And today I get a call saying I am in minus again with $1.97 for another continuous overdraft for an addition of $5.00.
I call the person back, asking what's going on and now it is really obvious to me that all those accumulated fees are basically charges because there administration is sooo slow, on purpose, so that is appears on my account as if I have not paid when I actually was even in plus! That is criminal. I had to pay in the last several months overdraft charges of sevral hundreds of dollars. That never was the case before and I haven't changed anything in the way I deal with finances because I never had a problem with it. They must have changed something, in the way they are billing me - us. I'm sure I am not the only one having this problem.
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