Complaint Review: 5/3 Banking - Saginaw Michigan
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- Author Confirmed
- 5/3 Banking 5430 State St Saginaw, Michigan U.S.A.
- Phone: 989-497-5322
- Web:
- Category: Banks
5/3 Banking why pay out money that IS NOT THERE Saginaw Michigan
* : Many banks do this
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On December 12, 2008 I was on sick leave and my employer did not deposite my sick pay on my check. So that caused a over draft, What I do not understand if there is no money in a account why are you paying out money that is not there? for a over draft of 185.00 I was charged 400.00 in 2 weeks time, Then my employer sent my sick pay in 245.00 on the 24 of december that should of left me 155.00 overdrawn No on 12-26-08 another pay day payday loans came due again they paid them again with this account overdrawn, (And they tried to say banks didn't have money). Now it is up to 497.20 overdrawn before thier fees today. They called and left a message on my machine and that it would be in my best intrest to make arrangement on this. for one thing I do not go back to work until 1-1-09 and on 1-9-09 they are gonna pay these out again. every two weeks, I will never get caught up.
I asked on the 12-12-08 for this account to be shut down and they wont until it has a clear balence. the man I talked to at the bank was trying to help me he tried to put a hold on that account his corrupt office would not let him. Said that there is nothing they can do. STOP PAYING OUT MONEY THAT IS NOT THERE.
Mary
saginaw, Michigan
U.S.A.
This report was posted on Ripoff Report on 12/29/2008 11:44 AM and is a permanent record located here: https://www.ripoffreport.com/reports/53-banking/saginaw-michigan-48603/53-banking-why-pay-out-money-that-is-not-there-saginaw-michigan-405793. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#1
Many banks do this
AUTHOR: Thisblows - (U.S.A.)
SUBMITTED: Friday, September 11, 2009
They consider it a "courtesy to the customer" and call it a line of credit. Some banks and Credit Unions give the account holder the option to "opt out" of the courtesy. If a banking institution does not allow this option, I will not use their services, period. I only know this because I had the same problem with a different bank and ended up paying a ridiculous sum of money to close the account. A friend of mine that works for a CU clued me in to the opt out option, which is something that most banks and CU will not even tell you about unless you specifically ask.
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