The same situation happened to my 18 yr. Old daughter in September and we are still fighting it, thanks to no help from the bank where her checking account was at.
She had just turned 18 and opened her first checking account, when all of a sudden all of these overdraft fees kept coming in the mail. I showed her how to access her account online and what did we see but this debit for $159.95 and a snowball effect of overdraft fees as a result.
We contacted them via live chat since there was no answer via phone and we got the same song and dance everyone else complaining about got. She typed in several times that she wanted to see the transaction of this purchase and they never responded to it all, as if she never typed it in. We did file a police report for fraud back in September.
Because my sister happens to know the President of the bank we're finally getting some action. Here it is 4 months later! The bank took $400 of this child's money, sent it to a collection agency for more fees they wanted to collect and I'm really mad now.
Her best friend's father is a very successful lawyer and I've encouraged her to talk to him about taking legal action against EDP Reporting and the bank.
They have ruined her credit she was just trying to build and taken money from her, a collection agency has been calling her cell phone everyday wanting more money!
This has caused much stress and financial problems! I was just laid off when they did this too, so I couldn't even help her out. There are some people you don't want to anger and I'm one of them. Now I want heads to roll and others to know about it so it doesn't happen to them too.
I'm going to have her demand the bank reimburses her for the unauthorized charge and all the fees they took out of her account, also to make sure they repair the credit damage they've caused. I think they should pay her interest on the money they've kept for all these months as well.
She tried calling the dispute department several times at the bank trying to get help, with no luck. Funny how when the President of the bank finds out about their big blunder we recieved a phone call 10 minutes later and two people are working on the problem now. I'm also contacting the local news and getting them involved since they have a call for action thing that handles cases such as this. It seems they have much luck with resolving the issues too.
All I have to say is someone's going to pay for this crap she and I have had to deal with!
Kerry
Perrysburg, Ohio
U.S.A.
0 comments