I went on vacation in feburary. when I left I zero balanced my checking and moved all my money to savings. I come back to find that my account is overdrawn despite the fact I didn't authorize the purchase. I thinjk its ridiculous I'm being charged for something I didn't do. can I contest the charges or someway close my account. the over draft fees are ridiculous.
2007-03-18 11:25:50 · 6 answers · asked by Oorah 1 in Business & Finance ➔ Credit
Is the charge related to your vacation? Did you use a credit card to secure a room, for example? If you did and were notified of a cancellation deadline that was not met, the charge may be valid.
Either way, dispute the charge. The business that charged you will have to respond within a certain time frame. If you want a faster answer, you might even try calling the business, yourself.
2007-03-18 14:32:18 · answer #1 · answered by Anonymous · 0⤊ 0⤋
If the charges that made u get a negative balance weren't authorized by you, your bank can undo the negative charges, just put in a claim. Talk to a personal banker, not someone on the phone..they r trying to get u off more than likely, and you will get better results going into the bank
2007-03-18 11:31:02 · answer #2 · answered by myownsecretarydotcom 3 · 0⤊ 0⤋
I have not read the agreements you have with your bank but first, and foremost, call both the customer
service clerk or personal business clerk and ask what happened and ask them to eliminate the charge[s].
If their answer is unsatisfactory,
ask to speak to the branch manager.
Is it possible that a check you wrote for a bill was held by the recipient
and was submitted for payment AFTER you went on vacation?
I ask that because some people even I know do that--and it is stupid. BUT if they did, that would generate your problem!
2007-03-18 11:31:31 · answer #3 · answered by kemperk 7 · 0⤊ 0⤋
I'd venture a guess that you are also going to want the purchase refunded as well. Your bank is going to require you to complete a dispute form, but once you complete that - they are required to resolve your claim within a very specific set of timelines, per Regulation E. You should get provisional credit fairly quickly, once you file your dispute. See the website below:
2007-03-18 11:52:19 · answer #4 · answered by Quarter Midget Mom 5 · 0⤊ 0⤋
call your bank see what they can do for you. Tell them what you wrote here.
2007-03-18 11:29:54 · answer #5 · answered by dtwladyhawk 6 · 0⤊ 0⤋
Not in the USA
2007-03-18 11:33:33 · answer #6 · answered by Anonymous · 0⤊ 0⤋