I have proof that bank has charged me fraudulently. On May 21st I had a transaction put through by my insurance company to debit my checking account on May 22nd. I have done this in the past with this company and never had any problems. The transaction posted on my account on May 23rd per my online account with Bank Atlantic. However, two bank fees posted to my account showing a date of May 22nd. I called my bank when I saw the fees a few days later and asked them why they charged a fee for an account that is not negative. They told it was because an authorization was place on my account from the previously mentioned insurance for the amount of $409.27. I advised them on the information that I printed online and they said that in their system that I couldn't see the transaction posted on the May 21st.
This is where this gets grayer. I asked to speak to supervisor and I got Carol. I asked Carol; If a transaction shows posting on May 23rd when does that mean it came through? She said; Since the 23rd is a non business day that means that it came through on Friday the 22nd after the close of business. This is a direct contradiction. How can one transaction post for the first time on different days? One can say that it was pending on the 21st and came out of my account on the 23rd. This is not what happened. I have documents that I printed from their website showing the transaction to be pending on the 23rd and debiting my account on the 26th. I have printed actual statement from them that they mailed to me showing my account balance being $199.83 on the 21st. This is enough to cover the transactions that I got charged for. I emailed, visited a branch, and called again. I was told the system does not lie - the system that generated the documents in which I base my plea on. I even had my insurance company send them a letter. No resolution; I was asked to trust their system.
Few days later their system charged me three ATM fees for transactions that I made at mall shoe stores. I had to dig up my purchase receipt to prove that incorrectly charge me. I after spending more of time in a branch, they credited the fees. I bring this up to say that this bank's system is very capable of making errors even put through credit card transaction as ATM withdrawalsI am familiar with merchant account process so this still blows my mind.
On June 12, I went into the branch located on Glades Rd in Boca Raton, FL; just west of I 95 and closed my account. I no longer wanted to do business with fraudulent this company. The teller closed my account and gave me remaining balance. Just when I thought Bank Atlantic was out my life. I get a letter showing another negative balance and two more fees on the account. I called and asked them what was the matter this account is closed. They said that the teller did not close my account. I swear on everything that I love including my very life that I walked into that branch and closed that account.
I have had enough. I am consumer that is being taken advantage by this bank with a system that makes errors and they do not apologize. They have made me so livid I can barely control myself and I need some resolution. I have been a customer at this bank since I was 18 and I have this account in question since 2005 and this how they treat me for a couple late fees? Wow.
This is the resolution that I seek. According to their notice they paid a Sallie Mae draft of $124.73 and a pending transaction for $4.25 (The pending transaction has showing when I close the account that is why I was not given the full amount, the Sallie Mae I canceled the ACH online - I am not sure what happen there but it another issueI would preferred from them to bounce the check and I would pay whatever fees directly with Sallie Mae). This totals $128.98. They charged me $70 in fraudulent fees so I am willing to pay them $58.98 once this is settled.
Consumers should be able trust that the information on their bank statements. If we hold this true then I had money in my account. I have proven that they system makes mistakes and I have proof they have charged overdraft see for an account did not overdraft. I am angry but I more so disappointed.
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