Problems with bank

[ashleystrong102]

What is the name of your state (only U.S. law)? Indiana

The bank I am currently using is charging me overdraft fees when I am not overdrafting. They tell me they can do that, but I am not sure I believe them. They have lied to me in the past by saying they will refund overdraft fees that are their fault then they just don't do it. I then put in my register that they have refunded it and spend it. When it isn't there I get hit with even more fees. At 25$ each, 20 dollars worth of stuff suddenly becomes 50 or more. I am now up to my eyeballs in debt because of all the money I have lost over the past couple of years. I would like to know what my options are and if I have any rights.

Thanks
Ashley

[Zigner]

Your post doesn't make sense. If you're not overdrawn, why are the fees applied?

It's time to look for a new bank.

[ashleystrong102]

Reguardless of how it sounds that is what is happening. I came on here for legal advice, not to be told what I already know. I am moving banks, I just want to know what I can do to make them take responsibility.

[Zigner]

Originally Posted by ashleystrong102

Reguardless of how it sounds that is what is happening. I came on here for legal advice, not to be told what I already know. I am moving banks, I just want to know what I can do to make them take responsibility.

Well, if we don't know their reason for applying the fees, then we can't help. They MUST have given you a reason, even if you don't understand it or don't agree with it.

Good luck.

[onehotmom]

"Like I know I have money in my account, Like the bank said they were wrong"

I think there is more to this story than you are willing to tell and you're getting quite testy when someone calls you on it.

Grow UP!!

[cosine]

Originally Posted by Zigner

Well, if we don't know their reason for applying the fees, then we can't help. They MUST have given you a reason, even if you don't understand it or don't agree with it.

This is the problem in a lot of cases of irresponsible businesses. They lie. They cheat. They commit fraud. And they do everything they can to cover it up or just leave the victim consumers confused.

WE don't know why the bank applied overdraft fees. Common sense suggests there must be an overdraft, and the bank would indicate a specific overdraft. OTOH, I personally know that account processing can in fact get mixed up in the banks themselves. This is often caused by separate computer programs that don't communicate directly, and people have to do data entry. Data entry is an error prone activity. It very well could be that the bank simply applied someone else's overdraft fees to this OP's account, perhaps through a data entry error. Many banks still process overdrafts manually.

The OP's secondary problem is contacting someone responsible at the bank. That can be very very hard with the larger national banks. The CSRs are generally not given much leeway in correcting or even explaining problems like this.

[ecmst12]

If they say it was a mistake and they will credit you, you still have to wait for the credit to actually be applied before you try to spend the money! You need to check your account online or over the phone until you see the credit. And if you don't see the credit, then you call to complain again. You can't just spend money that isn't there just because your refund is slower then you would like.

If this has been an ongoing pattern for years, the obvious choice is to change banks.

[Wirelessany1]

Originally Posted by cosine

This is the problem in a lot of cases of irresponsible businesses. They lie. They cheat. They commit fraud. And they do everything they can to cover it up or just leave the victim consumers confused.

WE don't know why the bank applied overdraft fees. Common sense suggests there must be an overdraft, and the bank would indicate a specific overdraft. OTOH, I personally know that account processing can in fact get mixed up in the banks themselves. This is often caused by separate computer programs that don't communicate directly, and people have to do data entry. Data entry is an error prone activity. It very well could be that the bank simply applied someone else's overdraft fees to this OP's account, perhaps through a data entry error. Many banks still process overdrafts manually.

The OP's secondary problem is contacting someone responsible at the bank. That can be very very hard with the larger national banks. The CSRs are generally not given much leeway in correcting or even explaining problems like this.

What is it that Dog says....I'm gobsmacked at this pile of crap you are spewing cosine. There are times that your responses seem pretty right on and then you throw a freakin curve ball ~ let's just call this sucker a wild pitch.