After dealing with this bank for well over a year, I've decided it would be best to take my money to someone that is better prepared to handle it.
October I had written a check to our water company - somehow it missed the deposit I'd put in the day before... Boing! I contacted the water company and advised them of the situation and they requested I make an electronic payment as they would not redeposit this check, not a problem - or so I thought at the time.
After making this electronic payment, three days later the check was redeposited. I contacted the bank to verify this as it cause my account to go into overdraft - now remember, these funds had already been paid. The bank advised me to place a stop payment on the check to avoid further overdraft fees. I did this and it cost me $28.00 (on top of the $28.00 overdraft fee already applied to my account - putting me further in the hole).
Guess what... The water company put the check through, not once... But three more times. The stop payment request apparently was ignored and I was assessed another $84.00 in overdraft fees. When I questioned the bank about this the woman would only say "we can't control how many times a check is put through" and blah blah blah. We can't refund the overdraft fees - "not our problem". It took me months to get this account straight.
Then after a year of my account being in good standing - I discovered an unathorized transaction on my debit card for $10.45. Guess what, the next four transactions were paid and through my account again into overdraft. Lets see 30 x 4 = 120.00 overdraft fees, I'm now in the hole for over $137.00 because of this one transaction.
I took a copy of my statement and showed it to the woman at the bank and advised it was an "unauthorized transacton"!!! I'm sorry, we can't refund the overdraft fees - it's not a banking error.
What I can't understand is why they would pay on charges that would put me intentionally into overdraft unless they wanted the extra $. I'm beginning to feel as if I'm working to pay them. As soon as this get cleared up... I'm taking my money elsewhere.
I guess they can't be bothered by a "fraud" investigation into a small unauthorized transaction on my account because they're too busy conducting their own LEGALIZED FRAUD.
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