Back in March I went into the bank to see if I could put a stop payment on an automatic withdraw that was to come out in 4 days. The associate got the ok from the supervisor and they gladly took out the $29 fee. With the understanding that as long as it doesnt come out in 3 days or less everything would be ok. I got the stop payment receipt and the $29 was taken out. 4 days later I called the automated system and the stop payment was taken out which sent my account into overdraft and 4 checks had bounced that came in (all smaller amounts) that same day. I went to the bank and told them they needed to take off all the stupid charges that they put on the account $6 a day OD fee and $30 per check. They took it off but 3 days later sent the stop payment through again. More OD fees and more time spent trying to get it taken care of.
I called the company that all 4 checks were wrote to and was told that I would have to pay the checks and the $30 fee per check that they charge and I would have to "try" to recover it from the bank later. OK I paid the checks and went to the bank again. The managers kept telling me it was the company who did the auto withdrawls fault and that I would have to get it from them. I took in all the papers from the bank and the store that the checks were wrote to. At the bottom of the stop payment order it states "If payment is inadvertently made contrary to this written stop payment order, it is the responsibility of the account holder to show actual loss due to such payment in order to recover from the Bank", I highlighted it and was told by the manager that "he didnt think that is what it meant", when I said here is my proof.
Finally at the end of August I had to go in again (actually several times this month) because he gave corp the wrong account number to put the $120 in for the fees charged by the store. The last time I went in I was told "I think you are taking advantage of the bank" he said that I should be aware that things like this might happen and keep extra money in the bank to keep the account from OD. He laughed at me when I told him that I spoke to an attorney.
The fact is that if they put the checks in in the order they are received and not from largest to smallest (which is how they seem to make all their money, OD fees) they probably wouldnt have had to pay $120 in check fees. But the manager said that was my fault to for not telling them about it so they could try to talk the company out of charging them that much.
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