I have been in battle with Compass Bank since 8/2 and they have finally quit corresponding with me as of last week when I proved to them outright that they were in the wrong. They were supposed to have a member of the CCU department call me, which he did, but always when I wasn't at home. I left him several messages of when to call me, in which he told me to do in the voicemail, but we never connected and only tried contacting me twice.
I check my bank balance every day and my husband gets paid every 2 weeks. I had a check come through my account the same day as his direct deposit but Compass stated that the check was presented during the time frame of 7/28 to 8/1. The check was written on 7/28 and not even mailed until 7/28 so there was no way it could have been presented on 7/28. I actually contacted the payee of the check to verify when they received it and they stated they did not receive it until 8/2.
Compass finally admitted that it was presented on 8/2 but since it was in the early morning hours per their "posting guidelines" it was considered a prior day item. Someone please tell me how a check can be a "prior day item" when it was not even RECEIVED until 8/2. I understand that once received it can clear the same day through clearinghouse banks but I can't understand how a check can clear a prior day when it was not even received.
If I'm overdrawn, I'm overdrawn and don't make an issue out of it. But this time they are clearly in the wrong and after 10 emails they finally admitted it but of course made another excuse not to refund me my nsf fees.
Not that it will do any good but I am making a copy of the check that clearly shows when the item cleared and also all my nsf fees that were charged because of it and sending them all to the CEO of the bank. After that I am closing my account with them and will make sure that everyone I know does not EVER bank with them because of their tactics.