Hello I am a resident of Denver Colorado.
My electric company is Xcel Energy.
I normally pay my electric bill over the phone using an electronic check for an account I have with compass bank. (they ask for the account number and routing number to process the payment).
On May 9th, I had an electric bill of 478.86 that I needed to pay. I knew that my compass checking account did not have enough funds to cover that cost. So I gave them the checking account number and routing number of a checking account that I keep for emergency purposes.
When the lady on the phone tried to run the charge through she said "Oops I made a mistake, please hold on one minute".
After a minute or so, she came back on the line and said everything was fine. I said ok and hung up.
I noticed a week later that when Xcel charged my account they charged the wrong account. Instead of charging my emergency account, they charged my compass account. Because of this my compass account overdrafted for that charge, as well as for seven charges afterwards, and I have $304 dollars in overdraft fees.
I called xcel energy as soon as I realised what happened. They said they were sorry for the inconvience and that they would reverse the 478 dollar charge, and then re charge the correct account.
I then went to compass bank and explained the situation to them , and I asked them if they would refund the NSF fees once xcel reversed the original charge that caused them. Compass bank said, that it was Xcels fault and that excel should refund my NSF charges.
I have not been able to get back in touch with excel to talk to them about this, but I imagine they are going to say no way.
If that is indeed the case, I was wondering what advice you guys could give me.
I realise that $304 dollars not a huge sum of money, but it is definatly money I cannot afford to loose right now. For one, I wont be able to pay my rent and could get evicted. Another problem is, I am under a Debit Consolidation plan, and if I miss a payment that plan will default. So the minor mater of $304 dollars could very quickly spiral into something huge.
To me this seems outragously unfair. Someone should pay me back that $304 dollars , the problem is I don't know if the burden should be on xcel or compass bank.
If it came down to needing to take legal action, in something like small claims court, or send a lawyers letter, or something like that, who would I even file against, Xcel, or Compass. Or do I even have ground to stand on?
Thanks for any advice you can give!What is the name of your state?