I'mALegalNovice
Junior Member
State: Texas
I'm a 66-year-old senior living on a fixed income.
My Bank merged with another bank on Aug 1st 2016, I had no idea the merger happened until Aug 20th when I received an overdraft letter from a bank I thought I wasn't apart of. But it had an account number and my full name. So I called this new bank and asked what was going on and that's when I learned, by speaking to a banker, that the banks had merged.
(It appears the Overdraft was valid, a mistake in my accounting, it was my 1st overdraft in about 10 years with my old bank account)
I asked the bank why I didn't receive anything in the mail about the merger, the banker claimed they informed customers but I never received anything about it.
Now, as I said I rely on a fixed income, so today I scrambled to call to change my direct deposit over to the new banking details (routing number changed not account number). I was informed the cutoff date to change where a deposit goes was Aug 19th, so they could not tell me if my direct deposit will go through or not to my new bank account.
So I have no idea how I'm going to pay my bills next month, if I don't get my deposit I don't have any money for the month.
I feel sick to my stomach I don't know what I'm going to do, it looks like I'm going to miss my bills next month.
In addition I also had to make about 10 other calls changing my banking details with bills that pull from my bank account. One I had to drive to another bank in my town who owns the lone to my car to change my banking details over. (they refused to change details over the phone)
My main question is do I have any legal recourse for the bank not notifying me causing me to miss my next month's direct deposit?
Second somewhat unrelated question: I got charged $35 overdraft fee for a check I wrote. Since the bank merged I have no agreement with the new bank that states what fees they charge, do I have any grounds to ask them to remove the charge since there was no agreement in place that stated what fees are charged for overdrafts?
I'm sorry for a long post I tried to make it as concise as I could.
Thank you for your time.
I'm a 66-year-old senior living on a fixed income.
My Bank merged with another bank on Aug 1st 2016, I had no idea the merger happened until Aug 20th when I received an overdraft letter from a bank I thought I wasn't apart of. But it had an account number and my full name. So I called this new bank and asked what was going on and that's when I learned, by speaking to a banker, that the banks had merged.
(It appears the Overdraft was valid, a mistake in my accounting, it was my 1st overdraft in about 10 years with my old bank account)
I asked the bank why I didn't receive anything in the mail about the merger, the banker claimed they informed customers but I never received anything about it.
Now, as I said I rely on a fixed income, so today I scrambled to call to change my direct deposit over to the new banking details (routing number changed not account number). I was informed the cutoff date to change where a deposit goes was Aug 19th, so they could not tell me if my direct deposit will go through or not to my new bank account.
So I have no idea how I'm going to pay my bills next month, if I don't get my deposit I don't have any money for the month.
I feel sick to my stomach I don't know what I'm going to do, it looks like I'm going to miss my bills next month.
In addition I also had to make about 10 other calls changing my banking details with bills that pull from my bank account. One I had to drive to another bank in my town who owns the lone to my car to change my banking details over. (they refused to change details over the phone)
My main question is do I have any legal recourse for the bank not notifying me causing me to miss my next month's direct deposit?
Second somewhat unrelated question: I got charged $35 overdraft fee for a check I wrote. Since the bank merged I have no agreement with the new bank that states what fees they charge, do I have any grounds to ask them to remove the charge since there was no agreement in place that stated what fees are charged for overdrafts?
I'm sorry for a long post I tried to make it as concise as I could.
Thank you for your time.