- Report: #847468
Report - Rebuttal - Arbitrate
Complaint Review: Compass Bank
Compass Bank900 North Conway Avenue Mission, Texas United States of America
Compass Bank NSF,Scam,Reordered Transactions,Manipulate Transactions Mission, Texas
*Consumer Suggestion: No bank error here
*Consumer Comment: You seem to have some misconceptions
*Consumer Suggestion: A real simple solution here
On Saturday, February,18,2012 there were Four Transactions to my bank account which I believe in my opinion, and based on the evidence I have were reordered by my bank to charge me additional NSF Fees to make profit.
My account at that time had exactly $46.24 in this account.
The First, Transaction I made was adding my debit card to a service which I was charged $1 USD for it which was refunded later, but that would have left me a balance of $45.24.
Second I made a purchase for one of my games for $10 USD that left me at $35.24 USD
Third, I made a purchase from Riot Games for $35.00 USD which left me at exactly $0.24 cents which anything 0.00 USD or above is not overdrawn.
Fourth, A purchase was made for $82.79 for a server/service I rent, and that left my account at -$82.55 USD, which the bank had the right to charge me one NSF charge which would have made my account -$120.55 USD not including my bank premium or service charge for my account which they do not charge any NSF Fees for those.
Immediately after the transactions were made I logged into my bank account, and took snapshots of these and I believed I was safe for the next 7 days to make a deposit before I would be charged an additional $25 USD, but instead I get a notice in the mail that says I owe $114.00 in NSF Fees.
After calling the bank's customer service and questioning this, I was told by the bank customer service that they charge the highest transaction first, but yet I was never told this by my bank, these additional charges could not be reversed.
Then when I made my deposit I think it was the same day I went into my bank I told them about this and question it, I spoke to someone, and they said it wasn't the bank's fault that sometimes checks, or debits process in other orders other than what order the cosumer makes the purchases due to pre debit.
Over the years I have mostly used prepaid debit cards like GreenDot, NetSpend, Etc. Every transaction I made throguh PayPal, always showed up on my online bank statement immediately, never changed order which I made the purchase, but this bank and the only reason I have a bank account is to use services such as Ebay & PayPal with confirmed information, and without a spending limit. Well to me it looks like they reorder transactions and purchases.
I have also noticed that when a person does multiple orders online throguh services such as Amazon, sometimes if a person had 6 seperate charges these charges will Glitch/Disappear from their online Bank Statement, lets say the person had $100 USD in think bank account, and had 7 charges, or pre debits of any amount adding up to like $90 USD, and then the next day or two these pre debits sometimes disappear from the persons online statement saying they have $100 to spend, and then lets say the person forgets and spends more than what they have they would get hit with NSF fees due to Bank Error. When I brought this issue up to the bank, and told them I had used Online prepaid debit cards and never had this issue, they said it was because of pre authroization, or something yet I never had this issue with any other debit card I used.
Over All, based on not only my experience with this Bank, but News I read on MSN, Yahoo, Google Searches, I feel that Multiple Banks are taking advantage of its consumers, and laws need to be put in place to stop NSF Charges, and limit what a bank can charge its customers or something.
* I will post Snapshots and proof of my transactions for the public to see.*
This report was posted on Ripoff Report on 03/02/2012 12:46 AM and is a permanent record located here: http://www.ripoffreport.com/r/Compass-Bank/Mission-Texas-78572/Compass-Bank-NSFScamReordered-TransactionsManipulate-Transactions-Mission-Texas-847468. 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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