I had a checking account and debit card with NC, which was great because when I got it it was a block away from my work, and when I changed jobs they were right across the parking lot, they had tons of ATMs in my area and since I was working nights, I used the ATM a lot.
One day, in like, the beginning of February, I bought my boyfriend's kid a car seat, we went to another store and found a better car seat for cheaper, so I got it, knowing it would OD my account (by about $10) and we had to take the other back to get it refunded back on my card. While we were in the store, his mom called and he mentioned the car seat and she said to give her the extra one (since she needed a new car seat for the kiddo anyway) and she would pay me back (which she didn't but that's not really part of this story). Typically with NC, my debits were taking 5-7 business days to hit my account, and I worked that night and it was payday, so I could put money in the ATM when I got off my waitressing shift.
Well I ended up getting off so late that the bank was open, and went inside to deposit my check (no cash). When I got up later that day, I checked my online banking, and noticed that my paycheck for $181 had been entered as $118, and since I didn't have a running balance after every transaction I couldn't tell what deposit the balance reflected (this gets clearer in a moment). I called, alerted them to the error, and they fixed it, right? I even asked what my new balance was, and they gave me a new and DIFFERENT balance, and said it wouldn't be reflected online for a couple days. I wrote a couple checks for bills.
About a week or 10 days later, my account is overdrafted by $8 and some odd cents. I called back, and said hey, my balance never reflected the appropriate deposit amount, you need to remove this OD fee because I didn't OD my account.
So they say they're investigating. They call me back to tell me that apparently, the deposit amount *said* $118, but the balance when I originally checked online was reflecting the deposit of $181. No one called me to say "we gave you the wrong balance when you called," but they did make a note in my account that they discovered this AFTER THEY GOT OFF THE PHONE WITH ME. It even said in the note that they didn't tell me that info.
So the girl in the national CSR call center tells me "DO NOT deposit money into that account until we get this cleared up, because we are in the wrong and you won't get your money back if you pay it back."
So here I am stuck with using my CU account that is supposed to be a separate business account (at the time I was selling candles) and I didn't have an ATM/Debit card for it so I was stuck with screwing with my sleep schedule to do my banking. I was not happy.
Anyway, they ended up figuring out that because the balance reflected the correct deposit, that I DID end up OD'ing my account legitimately. So they wanted to stick me with the fees, even tho there are notes on my account that it was not my fault, and that they had given me an "updated" balance when I originally called. I had called a few more times, and every time I kept getting mysteriously hung up on when they pulled up my account--to the tune of 8 hang-ups in one day (I was on a land-line, too, so it's not liek I was losing signal on my cell) and 6 hang-ups on another day. Now we're into the middle of March.
Then I get a notice on the 30th of March in the mail (got it after 6pm) saying that one the 31st they will be closing my account and reporting me to the credit agencies. By now, I have the original OD of $8, the original $32 OD, a subsequent $32 OD from another check for around $50 I think, and $5 per day OD for EACH $32 OD--so $10 per day--for the first two weeks they were OD'd. I think it came to around $250? That sounds right.
So I go into the bank branch on the 31st, at like 9am. I'm tired, I'm cranky, it's my day off where I like to SLEEP and I had to deal with this BS. I talked to the branch manager, who called the CSR call center and tried to talk to the girl I talked to who had said not to pay the OD fees, but she wasn't in. They ended up crediting about half the fees, but said I had to pay the rest because I had legitimately OD'd my account and if I had been keeping track of my own check/debit registry I would have known that. Fair enough, I was unhappy because I still felt like ti was not really my fault due to the fact that I had been given a new balance and never told when they discovered what they had told me was wrong, but as I had also done the match and figured out I had legitimately OD'd the account, I was willing to pay the fees.
Took my account to a $0 balance on March 31st. Confirmed with the branch manager that my account would not be closed, and I would not be reported to the Credit agencies for the issue.
Now it's the end of June, and I haven't used my account. I go to put money in because I'm going to Canada the next morning and we'd been told it's better to use a debit card rather than exchanging cash because you get better exchange rates, so I wanted to put cash in my account because that's the only debit card I had. You know what she tells me? "Your account was closed on March 31st."
It's 4 years later, and my credit report doesn't even show that I EVER had an account with them, even tho I had it for over a year and a half, and wasn't very responsible with it even before this incident. It's kind of a wash for me, but still Bad Service.