Bank One Ripoff refusing to refund unauthorized charges Nationwide

I have been a customer at Bank One for about 2 years now and have been very dissatisfied with their service. The only reason I kept banking with them was because of the convinence.

About a month ago I noticed that there were some charges on my account that I did not make. Because the charges had posted to my account the charges that I did authorize over drew my account and I was charged several overdraft fees. I called Bank One and after a long time on hold finally got ahold of somebody who cancelled the debit card I had and refunded the bank charges.

Now today I notice that once again there are charges that were not authorized by me and this time there were so many of them that my account was severally overdrawn and I was charged over $300 in overdraft fees. Once again I called the bank and this time was left on hold for 20 minuets befor a live person answered.

The person I spoke with was extreamly rude to me on the phone and was not helpful at all. She refused to do anything to help me and said that it would have to be handed over to a superviser. Everytime I asked a question her response was always a very snotty "I don't know" instead of trying to find the answers or transfering me to someone who could answer it she rudly told me "I don't know" several times.

Finally I asked to speak with a superviser since she was unwilling to hlep me. The superviser basically told me that they didn't believe me. I know that it must seem weird that my card had unauthorized purchases on it again so soon and I also understand that the bank has to protect themselves from frad but they didn't even want to investigate my disputes.

The charges that I was disputing were all very small amounts. It's not like I was trying to get thousands of dollors from the bank. The charges were all at verious places on verious dates and times. All of the charges ranged between $3 and $25.

The woman at the bank asked me if anybody else had access to my card and when I told her no she said well then I must have authorized it because nobody else had access to my card. I tried explaining to her that as far as I know nobody has access to it but I don't know if somebody goes in my purse when I'm not looking. And with today's technology anything is possible.

Basically it took me over 45 minutes on the phone and I had to speack to 3 different people (all of whom where VERY RUDE!) just to get them to agree to send me a disputes form. And even once they agreed to send it to me she wanted to mail it and gave me a hard time about faxing it. She fianlly said she would fax it but I never received the fax.

Since I never received the fax I decided to go into the bank in person. There I had to deal with somebody who was once again unwilling to help me.

I can understand that it might look suspisious to the bank but I'm extreamly fustrated that nobody will believe me or help me. I am not the kind of person to scam or commit fraud. I never have in my life. I don't know what is happening with my bank card but the bank should help me figure it out. They are refusing to credit any of the money back to my account and I had already wrote checks to pay bills that will now all bounce and incurre more fees. I could understand if they weren't willing to credit back the money for the purchases but at least refund the overdraft charges. This whole ordeal has been very devistating for me and having to deal with rude, inconsiderate, judgemental, unhelpfull people has only made it worse.

Mary
mchenry, Illinois
U.S.A.