brunettegoddess
New member
A few months ago I switched my bank because at the time I wasn't happy with the in house service at my regular bank. The new bank prides itself on being spectacular with customer care... blah blah blah.
Yesterday I went to purchase something at Target only to get my card declined. Declined?!?! I thought... I should surely have more than enough money in my account. So I call bank customer service, which was a pain to get in the first place, and then tell me that I've overdrawn. Finally make it to a computer and here's the breakdown...
A week ago I looked at my checking account... it said my rent check had just cleared that day for $xxx so I wanted to put what was left in my checking into my savings so I wouldn't spend it... I did leave a couple hundred but I stuffed away a nice sum... according to my bank the check did not clear until the night of the 14th AFTER I had put all that money in my savings account. Therefore overdrawing on my account. So I call custumer service back and explain to them that I visually saw online that my check had cleared that day and wouldn't it be stupid of me to transfer a large sum of money into my savings when it would be clear that I would overdraw on my account? They agree but still are adamant that they made no mistake. I'm not an idiot... I know how to read... I had more than enough money to cover the check so why would I put myself in such a situation? So then for the last week the bank keeps letting me use my card even though I've been overdrawing on it... I never received anything in the mail, no email and no phone call. Now I'm up to almost $600 in overdraft fees and they won't reverse those charges.
I am livid on so many levels... I had been overdrawn on my account and my card was still allowed to make charges for an entire week... I received no notification... they cashed a check without making sure there was enough money in the account to cover it. I honestly feel robbed... and I feel robbed because my statement that day told me that the check had been cleared. I plan on emailing all of the higher ups in the company, meeting with a bank manager at my local branch, and if need be I will tell every news station and newspaper in the city about what they did and how they handled it... if nothing else I want people to see how an institution will rob you of your money just because they can.
Anway, does anyone know of any legal action I can take? Any way to get my money back? Any right thing to say that will prompt them to just make me shut my mouth by giving me my money back?
Yesterday I went to purchase something at Target only to get my card declined. Declined?!?! I thought... I should surely have more than enough money in my account. So I call bank customer service, which was a pain to get in the first place, and then tell me that I've overdrawn. Finally make it to a computer and here's the breakdown...
A week ago I looked at my checking account... it said my rent check had just cleared that day for $xxx so I wanted to put what was left in my checking into my savings so I wouldn't spend it... I did leave a couple hundred but I stuffed away a nice sum... according to my bank the check did not clear until the night of the 14th AFTER I had put all that money in my savings account. Therefore overdrawing on my account. So I call custumer service back and explain to them that I visually saw online that my check had cleared that day and wouldn't it be stupid of me to transfer a large sum of money into my savings when it would be clear that I would overdraw on my account? They agree but still are adamant that they made no mistake. I'm not an idiot... I know how to read... I had more than enough money to cover the check so why would I put myself in such a situation? So then for the last week the bank keeps letting me use my card even though I've been overdrawing on it... I never received anything in the mail, no email and no phone call. Now I'm up to almost $600 in overdraft fees and they won't reverse those charges.
I am livid on so many levels... I had been overdrawn on my account and my card was still allowed to make charges for an entire week... I received no notification... they cashed a check without making sure there was enough money in the account to cover it. I honestly feel robbed... and I feel robbed because my statement that day told me that the check had been cleared. I plan on emailing all of the higher ups in the company, meeting with a bank manager at my local branch, and if need be I will tell every news station and newspaper in the city about what they did and how they handled it... if nothing else I want people to see how an institution will rob you of your money just because they can.
Anway, does anyone know of any legal action I can take? Any way to get my money back? Any right thing to say that will prompt them to just make me shut my mouth by giving me my money back?
