They bounced something, when it said I had an available balance, THEN charged me fees, which bounced NUMEROUS other transactions, even when I put MORE money in the bank to cover it all.
2007-09-16 15:54:50 · 9 answers · asked by carlitz11 2 in Politics & Government ➔ Law & Ethics
Always better to appear in person and put a face to a voice...it makes you a "real person".
Try to find out who the "Personal Banker" that is assigned to your account (if you don't already know who that is) and arrange a meeting to meet with them regarding the matter. (Usually only they or their branch manager have the authority to waive any fees...if it is the branch manager only, you want the personal banker on your side and rooting for you).
If you are polite, but firm, (and likeable) you are more likely to get results than over the phone or ranting and raving. Bring along any documentation that you have to support your claim and ask them to see what they can do about the situation.
2007-09-17 03:05:10 · answer #1 · answered by bottleblondemama 7 · 0⤊ 0⤋
Oh yes....This is all to common. It's better to call. Even if you run into a brick wall with the first agent, you can call back after a little break...You can ask to speak to a supervisor. If you go down to the branch...They will most likely tell you to call customer service anyway. Sometimes when you make a transaction, the purchase may... Go out of your balance as an authorization...Go back in (The funds are technically there, but pending withdraw) and then finally taken out....It's very confusing at times and one must watch what they do carefully. The bank considers this error to be on YOU the customer. Is this the first time this has happened? If so, they may wave the fee's on a one time basis. But unlikely will do anything about any charges you incur anywhere else. As far as the deposits to cover a purchase....Check with your bank about the deadline a deposit needs to be put in by in order to be credited that day. Some are very early...And some won't give you credit until the next day!
2007-09-16 16:27:39 · answer #2 · answered by ORDER 66 3 · 0⤊ 0⤋
My bank charged me two dollars for checking my balance. I did this twice, they charged me twice, then bounced a check because I was $.48, yes cents short. They never disclosed this fee. So I called and raised Kain. They refunded the $4 plus the $31 they charged for the bounced check. I couldn't get them to pay the $28 the payee charged me, So I closed the account. I now have my personal account, and my political account, at a different bank. They are happy to have me, and the money my campaign brings in.
2007-09-16 16:07:45 · answer #3 · answered by Ray G 1 · 0⤊ 0⤋
The bank wouldn’t/shouldn’t have bounced a check if there were available funds in the account to cover it. So, what do you mean by "IT said I had an available balance"? I’m not trying to insult your intelligence, but you’d be surprised by the number of people who don’t know how much money they *actually* have in an account. My brother-in-law thinks if the ATM machine tells him he has $500, then he has $500 to spend, but he forgets that he has $400 in outstanding checks that haven’t cleared yet, so his available balance is really only $100.
With all that said, I'd discuss it with the bank manager in person.
2007-09-16 16:55:13 · answer #4 · answered by kp 7 · 0⤊ 0⤋
I had 7 checks bounce because of a boo-boo I made and I called them. I told them I'd never asked for anything since I'd had the account with them but was asking them now to remove some of the charges.($30 X 7!!!) They removed them ALL! I was thrilled! I have Bank Of America.
My daughter works for BB&T and says sometimes they will too. Most you can do is try, maybe they will remove some if not all anyway.
Good Luck!
2007-09-16 16:07:39 · answer #5 · answered by countrytodamax 2 · 0⤊ 0⤋
If it was their fault, you can probably clear it up easily either way; I had a similar situation that hit me with $80 in fees and cleared it up with one email.
Note that just because you had money doesn't mean the check wouldn't bounce - you could have had insufficient funds to cover the check, especially as not all of the money in the account might have been available. (When you deposit, it shows up in the account but can't actually be withdrawn until it "clears")
2007-09-16 16:01:49 · answer #6 · answered by William S 3 · 1⤊ 0⤋
My experience is that if you call on the phone is that after going through a bunch of menus, if you manage to get a person they will switch you from person to person and none of them will take responsibility or be ab;le to fix your problem.
Better to go in person and insist on speaking to a manager -- someone may actually help you, depsite policies and procedures designed to frustrate the customer at every opportunity.
Had this experience with Chase -- the person that helped me gave me her direct line line and said call her in the future -- but don't tell anyone -- they aren't supposed to give out their direct lines!
2007-09-16 16:05:07 · answer #7 · answered by Anonymous · 0⤊ 0⤋
Time to find a new bank and hey why not! Next time get the check bounce coverage small price to pay if this happened more than once.
2007-09-16 16:00:33 · answer #8 · answered by sally sue 6 · 0⤊ 1⤋
i do no longer understand what all banks are on your region, yet you need to evaluate a credit union extra circumstances than no longer the expenses are ridiculously below banks. And the circulate fee you suggested is ridiculous make confident once you close up the account you enable them to appreciate why.
2016-11-15 10:16:44 · answer #9 · answered by ? 4 · 0⤊ 0⤋