• Report: #1068657

Complaint Review: Woodforest National Bank

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  • Submitted: Sat, July 20, 2013
  • Updated: Wed, May 28, 2014

  • Reported By: BE-A-WARE — 28213 North Carolina
Woodforest National Bank
Check Processing Dept. Charlotte, North Carolina USA
  • Phone:
  • Web:
  • Category: Banks

Woodforest National Bank Be aware of online banking Info (Not always showing pending transaction Charlotte North Carolina

*REBUTTAL Owner of company: Woodforest Customer Service

*Consumer Comment: Checks Coming In For Payment NEVER Pend

*Author of original report: DON'T KNOW WHAT YOU ARE TALKING ABOUT

*Consumer Comment: Don't blame the bank

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BE-A-WARE OF "WOODFOREST ONLINE BANKING". They tell you that this will help with regulating you account letting you know of pending transactions that accures. When this is  NOT true. Like most of you that use chrcks we have schedule checks that come in and we keep a close eye on if the checks clear or not in case we need to add funds. That not the csse at" WOODFOREST ". i HAD A CHECK TO BOUCE, WOODFOREST NEVER showed the check pending. I had something personal come up and didn't make the deposite that day. When I check my account that night the check had not come in. Got up the next morning look in account and there the chech had cleared and I was charge 30.00 overdraft fee. When called to talk to someone in custmer service letting them no what happen they told me you they not have to show check pending. Sooooo I ASK what is online banking for or why did I sign up for "ALERT" if this isn't what its used for. Well the gentlemen on the phone decided on his own to send my complaint to the local bank for the manager to see if he could reverse the charge. When I got to bank to deposite money , there was a note on my account.The Teller notice and went to talk to manager. Course he or she wouldn't reverse the charge or admit it was a error on there end. Reason I say this is they charged me a 30.00 NSF FEE( SHOULD HAVE BEEN 32.00) WHAT DO YOU THINK? Sound like to me process dept goofed. Again BE-A-WARE of WOODFOREST BANK  online is a joke. HAHAHAAAA


This report was posted on Ripoff Report on 07/20/2013 08:14 AM and is a permanent record located here: http://www.ripoffreport.com/r/Woodforest-National-Bank/Charlotte-North-Carolina-28213/Woodforest-National-Bank-Be-aware-of-online-banking-Info-Not-always-showing-pending-tran-1068657. 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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REBUTTALS & REPLIES:
1Author 2Consumer 1Employee/Owner
Updates & Rebuttals

#1 REBUTTAL Owner of company

Woodforest Customer Service

AUTHOR: Woodforest Customer Service - ()

Woodforest National Bank is dedicated to providing quality customer service and we would appreciate the opportunity to speak with you directly.  Please contact your local branch or our Customer Care department toll free at 1-888-224-0132 or email CustomerAdvocacy@woodforest.com.

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#2 Consumer Comment

Checks Coming In For Payment NEVER Pend

AUTHOR: Jim - ()

This was sort of hard to read, but I thinnk I understand what you're trying to say.  When a check comes in for payment - it will never show as pending.  The only transactions that will ever show as pending are:

 a.  Debit card usage that have to be verified by the merchant

b.  Deposits that need to be verified by the bank

 Checks that come in for payment are never shown as pending because (a) you wrote the check, and (b) the person who cashed the check verifies the check as good.  This double-verification system controls when anything is posted to your account.  Anything that only has one party initiating the transaction sits as pending until the 2nd party verifies the transaction as valid.  What it means (as someone already tried to tell you) is that you did not have enough money in the bank at the time the check was written.  You already said there wasn't enough money in the account (by not deciding to make a deposit that day), so the check you wrote didn't have the money needed in the account.

 Banks will hold deposit transactions for a certain number of days if the deposit is relatively large, but banks do not hold transactions like debit card charges or checks.  In the future, do not write checks when you do not have a sufficient balance showing in your check register.  If you don't have a register - keep one.  If you don't want to keep one, please close your account and put your money in a mattress.

 Best of luck to you....

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#3 Author of original report

DON'T KNOW WHAT YOU ARE TALKING ABOUT

AUTHOR: NEED TO KNOW - ()

The funds were placed in bank the day before the check was written. Only because place check was written to will only take  checks. Now WOODFOREST took their monthly fees out first and held the check causing me a NSF fee for 3.50 instead of debiting account for there fee. One thing you are right about make sure  enuugh money is there in case they want their fee first. Since you are good at banking experiences and how they work tell me why they charge me a lessor amount for NSF FEE 30.00 instead of 32.00. I guess not to hurt my feeling... HAHAHAAAA

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#4 Consumer Comment

Don't blame the bank

AUTHOR: coast - ()

"we keep a close eye on if the checks clear or not in case we need to add funds"

That wouldn't be necessary if the funds are available when the check is written. Your properly maintained check register will aid you in determining if the funds are available.

"Course he or she wouldn't reverse the charge or admit it was a error on there end."

That's because it wasn't their error. The check was presented for payment against unavailable funds. That was TOTALLY your fault.

The online banking service does not display outstanding transactions; however, a properly maintained check register will always display those transactions.

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