Deposits and withdrawals

Posted on Posted in Bank, Complaints


On XXXX/XXXX/2015 I received an overdraft fee in the amount of {$35.00}. I was told by the manager at the XXXX branch that it was caused by the XXXX XXXX preauthorized debit. As you can see on Document # 1, XXXX XXXX was posted to my account on XXXX/XXXX/15. Then on XXXX/XXXX/15 I was able to withdraw {$130.00} out of my account because I had sufficient funds available. As you can see, on XXXX/XXXX/15 I had a balance in the amount of {$5.00} which would have covered the XXXX XXXX transaction. Once again, this a plot to take money from the consumer. I asked the manager what time did the preauthorized debit post, she did n’t have an answer but she told me what time ALL the other transactions posted. The bank is refusing to give timestamps for preauthorized debits just so they can get the overdraft fees. As I explained to her as well if XXXX XXXX was the transaction that overdrew my account, then why does n’t it reflect on my statement. There are no parentheses showing that my account was in the negative at any given time. Anytime your account is in the negative, it will have parentheses around that item. So either way this is deceptive practices.

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