philstar22 (philstar22) wrote in bad_service,
philstar22
philstar22
bad_service

Bad bank service

I have two bank accounts. One is at a local bank at the place I stay during the summer and the other is the account I use while at school. I periodically check both accounts to see how much I have. Late on Friday, I checked my summer account, and saw a deposit for $300 that looked like it came from my insurance. Since I needed some groceries, I went out on Saturday and bought some stuff.

I go to check the account on Monday, and it turns out the deposit was an error and was meant for someone else. The problem was, with the groceries I bought, it went over the ammount originally in my account. So I call the bank to tell them I will send a check since the bank has no branches where I am currently living.

This is where the bad service comes in. The customer service rep says that because the charges were from the weekend, they only went through today. Somehow, they went through after the money was taken out of the account. She tells me that even though this is their error, I will have to now pay overdraft fees as well. She says that if I had made the charges on Friday, this would not be the case. I keep asking her to explain the reasoning why, since this is their error. She keeps saying that yes this is their error, but I will still have to pay the fees. She won't explain further.

I have sent an email to the bank. I hope I can at least get someone to explain this to me. Right now, I am really pissed. Why should I pay extra money for their error?
Tags: *banking/finance
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