I have had it with Charter One and their creative accounting. They have been stealing my money for months. I did get some back from a supervisor that understood that the economy is killing people bad enough and it was not fair to pile up overdrafts on people that can not afford it but she is probably unemployed by now because I have not been able to speak with her since. I don't even remember her name but I do know that she was a supervisor in the business accounts at Charter One.
I had a check go through that I forgot about and instead of putting through the three checks that were covered, they put a big one throught, that they sat on for several days, and it snow balled the rest of the checks into over $200 in overdrafts. I took responsibility for the one that was not covered but I told them I refused to pay for the rest. The supervisor took all but one and a half of the fees and I was satisfied.
But this is the killer. I made an online purchase at 10:00 pm and the transaction went thru that night. It put a hold on my money causing a so called overdraft. I took $290.00 into the bank at 9am the next morning and deposited it. I explained that I did not want to go to the ATM late at night by myself and felt I could make the deposit in the morning. I was told that I would still be charged $117.00 because I did not have enough in the bank to cover the purchase last night and even if I made a cash deposit in the ATM that night it would not be credited to my account for at least 2 business days. Funny how if you take money out of the ATM, it is deducted right away. Very creative.....lol
Well, I talked to the bank manager, I think that what she was anyway, and she said that since I had the charges rebated last month that they could not do it anymore. She was very unsympathetic and basically left me in tears because now I would not be able to pay my gas bill. Plus I have an 86 yr. old mother that lives with me.
I went home and called the main line for business accounts. They were just as nasty so I asked to speak to the supervisor. She said she could not do anything as well, so I said then let me talk to YOUR supervisor. I did and she said all I could do is write to the Corporate office and gave me the address. I said, I don't want an address, I want a phone number. She said, she had no phone number to give me. I said, Your corporate office has no Phones? So I went on the internet and found the Corporate office web site and got a phone number from there and called it. I got transfered to customer service and of course, she could not do anything. You know that you have notes all over your account information by now and they are going to read what you said and what they told you. So I said then let me talk to your supervisor. By now they are pissed. I talked to someone that was suppose to be the supervisor there. She said she could tell me exactly when I made the online purchase and gave me the time. I said, Oh really, now can you tell me when the three checks posted? Well, no, she couldn't do that. It could have been anytime during the night. That is because they were sitting on them again. It took 3 days for a check to go thru after being cashed at another bank. Sorry, but I just had the same person cash a check at the same bank and it only took one day.
Well, anyway, she was just as rude so I said that I wanted to talk to her supervisor. She said she was not in but I could leave a voice mail. So I said, how convenient. So I left a voice mail and got no call.
I called the local news channel and filed a complaint with Call For Action. I also went to the White House Web site and wrote to the President, which I think everyone should do, because if he gets enough e-mails he will have to answer or do something about it. The news could not do anything and I have not heard from our President.
I called back and told them that I am working with an attorney that is going to call for an audit on their creative accountants and we are going to file a class action suit with all the other people that they stole money from. Well, I found this Web site and now it is time to join together and do something about these banks that are stealing our money and getting away with it. Feel free to contact me and let get going!!