• Report: #297127

Complaint Review: Charter One Bank

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  • Submitted: Fri, January 04, 2008
  • Updated: Sat, January 05, 2008

  • Reported By:Belleville Michigan
Charter One Bank
www.charterone.com Belleville, Michigan U.S.A.
  • Phone:
  • Web:
  • Category: Banks

Charter One Bank Switch Tactics NSF fee fraud Belleville Michigan

*Author of original report: update

*Consumer Comment: No fraud here.

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I accidentally paid my car payment 1 day too early. 3 items had cleared the same day. The car payment, which was the highest was originally posted last, creating 1 overdraft. I went back later that day only to find they had changed the way my items were taken out of my account. They had switched it so the car payment came out first, then the other two smaller items, charging me for 3 NSF's instead of 1.

Belleville, Michigan

This report was posted on Ripoff Report on 01/04/2008 07:12 PM and is a permanent record located here: http://www.ripoffreport.com/r/Charter-One-Bank/Belleville-Michigan/Charter-One-Bank-Switch-Tactics-NSF-fee-fraud-Belleville-Michigan-297127. 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.

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#1 Author of original report


AUTHOR: C - (U.S.A.)

The bank can take take out the money in any order they please including taking the highest amount first however, they cannot take out the lowest first and then switch it, taking out the largest first, after the fact which is in fact what they did to me.
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#2 Consumer Comment

No fraud here.

AUTHOR: Robert - (U.S.A.)

If you read your account terms and conditions, you will probably find a section that pretty much states the bank can process transactions in any order they chose. Guess who will benefit. Not the customer. When you checked online (let me guess, you don't keep a register) the transactions were probably pending. At the end of the day the transactions are processed and ordered largest to smallest.

You made an incorrect assumption. The majority of banks process transactions in the same fashion. You just need to been more careful in the future.
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