• Report: #953879

Complaint Review: First Merit Bank

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  • Submitted: Thu, October 11, 2012
  • Updated: Fri, October 12, 2012

  • Reported By: Hard working customer — chicago Illinois United States of America
First Merit Bank
Internet United States of America

First Merit Bank charging eroneous overdraft fees to consumers , Internet

*Consumer Comment: come on jim

*Consumer Comment: You Say They Treat You As If You, the Customer, Knows Nothing About Banking???

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First Merit Bank customer service, supervisors, President have no customer service skills. They have frauded customers by charging overdrafts of $35.00 when in fact there is enough funds to cover the transactions. But because they do not post transaction in the order that is posted in the online banking and because the customer do not know what they post first it causes undo stress, aggravation and to be told by a personal banker ANGIE at the banking branch on 47th street in Chicago, Il that I am an incompetent banker and need to understand how to wait for them to pay my transactions before I authorize payment from them realizing I have direct deposit. I have paid more than my share of fees for items that I know should have been covered. The customer service is horrible. They talk to you like you do not have a clue bout banking. I'm beyond furious and have closed my banking relationship with this sorry bank. I work hard for my money. I'm not going to make this bank rich by constantly charging me overdraft fees for items I have the funds to cover. I want this bank investigated for fraud.

This report was posted on Ripoff Report on 10/11/2012 04:17 PM and is a permanent record located here: http://www.ripoffreport.com/r/First-Merit-Bank/internet/First-Merit-Bank-charging-eroneous-overdraft-fees-to-consumers-Internet-953879. 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 Consumer Comment

come on jim

AUTHOR: The Outlaw Josey Wales - (United States of America)

 let people post as they please, you are not the internet police
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#2 Consumer Comment

You Say They Treat You As If You, the Customer, Knows Nothing About Banking???

AUTHOR: Jim - (USA)

OK, given that statement, one would assume you have the skills and knowledge to be able to see this alleged incompetence on their part as mentally you compare your knowledge with theirs.  So then, having said that, what does your CHECK REGISTER say on the days when you were charged an O/D fee?  It is curious in your posting you did not reference your CHECK REGISTER.  Why is that?  In all probability, like all the rest of those complaining about O/D fees, you don't have a CHECK REGISTER.  Put another way, you have no clue what the balance in your account was when the bank said you had an overdraft.  Further, if the bank had made a mistake, you wouldn't be able to bring it to their attention because you have NO CONTEMPORANEOUS RECORDS to compare with their records. 

The ONLY REASON you have O/D fees is because YOU chose to continue to use the debit card WITHOUT having a clue as to what your balance was at the time.  There is no "grand conspiracy", "intent to defraud" or "tricky bookeeping" on the part of this bank.  You don't keep any records, you didn't have the money in the account at the time of the debit and YOU gave yourself an O/D fee.

There is only ONE WAY to stop O/D fees.  You keep contemporaneous records of each and every check or debit card usage and you keep a running balance by doing the subtraction right then and there.  By doing so, you have the most accurrate balance known to man.  If you want to buy $50 of gas, you check your balance.  If you only have $40 in the account, then you buy only $20 of gas.  Its THAT simple.  When a third grader goes to the candy store, they count their money first to see if they can buy what they want.

Before its brought up, sorry, I don't work for this or any other bank nor have I represented any.
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