On June 9 a thief used my debit card number to purchase an item or times totalling $36.73 on Ebay.com. Charter One Bank allowed this fraudulent charge, even though it exceeded the amount of money I had in my account at the time. At the time I only had $8.69 in my account, causing an overdraft of $28.04. Charter One bank has since charged me two overdraft fees of $33, and will continue to charge me another $33 again every four business days my account has a negative balance.
The reason my account is at a negative balance is because Charter One allowed a fraudulent charge against an account where there were insufficient funds to cover it. I am living in Texas now, and there are no Charter One branches I can go to to make a deposit. Also I am unemployed and may not have the funds to pay these charges and get my account out of a negative balance. However, that will not stop Charter One bank from continuing charging me another $33 every four business days.
My main complaint is that I am being charged $33 every four business days for an overdraft which I did not make. I have never made an overdraft on this account. I am disputing the fraudulent debit card charge, however, the Charter One representative who I talked to on the phone told me that I would have to wait to receive paperwork in the mail.in the time it takes me to receive that paperwork and mail it back in, I may well be charged another two or three overdraft fees. And I will be charged even more overdraft fees in the time it takes for the dispute forms to be processed. This could end up costing me hundreds of dollars, all for an overdraft which I did not make!
I feel that this is an unfair business practice to continue to punish me with fees for a charge that was made by someone who (apparently) stole my debit card number and used it to purchase items from Ebay. I feel that since this fraudulent charge has been reported and is being disputed that Charter One bank should immediately stop charging overdraft fees.
Sean
Lubbock, Texas
U.S.A.
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