Princess’ bank was playing fast and loose with how they recorded her check deposit and her withdrawals. Because of the bank’s chicanery, they charged her with 2 overdrafts for $70.00. Even though when she set up the account, she expressly stated that she did not want overdraft protection. Overdraft protection for ATM cards is just a legal way for a bank to steal from its customers. Instead of just denying the card, banks charge their customers $35 for “protection.”Ev
Although Princess was assured she did not have it, and her card would just be denied if funds were not available, the account was set up with overdraft “protection”. There is a form she had to sign which she wasn’t informed about, and hence she did not sign. When the bank arranged her deposits and withdrawals so she would have overdrafts, they then charged her for them. $70 worth, and then when she went to talk to customer no service she was told there was nothing they could do for her. She had no proof she had waved the overdraft “protection”, because she didn’t have a copy of the form they didn’t tell her she had to sign after she stated she did not want said protection. She was told there was no one who could help her. Then she called me.
I suggested she to go back and 1) get a print out of all transactions from customer no service and go over them one by one with that person, and then 2) demand to speak to the bank manager, and 3) keep talking until they gave her the money back.
I could not have done this at 20, but Princess is made of sterner stuff. She went back, firmly asked to speak to the manager and kept asking until the customer no service person finally gave way. She asked the manager to explain each transaction and explain how it was Princess’ mistake and not how the bank chooses to do it’s postings that caused her “overdraft”. She kept asking for her money back, when she was told there was nothing they could do, she didn’t accept that lie (it is a lie), she told the manager she wanted to speak to her boss. She was told that wasn’t possible, she asked why, and asked for the manager’s boss’ number and eventually got it.
They refunded her $35. They only managed to steal $35 instead of $70. This bank/ seems to have a pattern/ of customer lack of service (3 different links.).
If you work for a bank that treats its customers in this manner, you should be ashamed of yourself. This is no better than being a con man trying to work a con on unsuspecting people.
Legality is no defense for immoral behavior. Stealing from those you claim to be of service to, is still theft.
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