Recently my wife made a truck payment to Key Bank over the phone like she has done so many times before. This was electronically deducted from our checking account. She received a confirmation number over the phone.
Several days went by when we noticed that we were over drawn at our bank. After further investigations our bank told us that Key Bank had taken a second payment out the next day. We did not call and authorize a second payment. Needless to say, by them taking the second payment out it caused us to bounce 2 checks in our account. We contacted Key Bank and asked them to tell us what the second confirmation number was for second payment. They could not come up with one. My wife asked to have the money put back electronically and they said they did not return funds that way. After arguing over the money they agreed to return the money within 24 hours to our account minus the bounce check fees.
They said the check fees would need a paper trail and they would have to mail us a check and it would take ten days to receive. The next day we checked our account and the money was still not returned. So she contacted our bank to see if it was pending. Which it was not. She then contacted Key Bank and they said they would look to see if the money was credited to the right account. They said it had been sent and that it would be there in 24 hours. The next day again no money had been returned to our account. She then contacted them again and was told 24 to 48 hours.By this time it was the weekend and my check had been deposited which got me out of the red. But still no money from Key Bank.
Banks were closed on Monday for Columbus day so we had to wait some more. As of Tuesday our money still has not been returned so she contacted them today again. They said that our money was waiting to be sent and was marked urgent and that we could call as much as we want but it would not get us our money any faster.By them taking my money unauthorized they caused undo hardships on me and my family. My wife is disabled and I have children in school. We live paycheck to paycheck.
Ironically today I we got a check in the mail for the bounced check fees that were incurred. This is the same check they said would take up to 10 days. Also we received in the mail today a confirmation number for the second unauthorized withdraw. However, it was dated before the original payments confirmation that we received. It appears that this is their way of trying to cover their mistakes.By them sending me the bounced check fees constitutes guilt on their part. All I want is my money back. They took it with a click of a mouse they can put it back the same way.
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