• Report: #79186
Complaint Review:


  • Submitted: Wed, February 04, 2004
  • Updated: Sat, July 17, 2004

  • Reported By:cobleskill New York
  • Phone: 518-434-4186
  • Web:
  • Category: Banks

CHARTER ONE BANK "stole" $183 through their craftily designed electronic transfer scheme ALBANY New York

*Consumer Suggestion: Taking the side of the consumer and NOT the bank

*UPDATE EX-employee responds: Ex-Employee Ripped OFF

*UPDATE EX-employee responds: Stop relying on others

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Opened the account in summer of 2003 with the promise of $100 to be credited to account upon the first automatic deposit of my paycheck. Six weeks later they agree that the $100 was due me and that I should get in my account within a few days.

I use this account by using my ATM/Credit/Debit card ONLY. No checks have been ordered or used.

In December I went shopping and I would continually telephone to learn what the balance in my account was. I primarily shop at Wal Mart in my home town. The last shopping trip I called and the bank said i had X dollars left in my account so i took some things out of the cart and kept the shopping bill to approximately $3-$5 less than what the bank recording told me.

When I got paid on 12/31/03 i learned that my account/check had been debited $120 for six (6) NSF charges. The people at the bank said it is my responsibility to keep track of what i have in the account. I say, "what have you sold me?" When i opened this account, they tell me that i can have access to the balance at all times, either on the phone or by computer. The point here is that if they are not accurate, then why would i want to call this "wonderfull feature" of the bank account? This was a major feature that they advertise----"instant access to your account." Instant access to what? Erroneos balances?

Last week they took $63 out of my paycheck. I haven't gotten the statement so i am unable to follow the trail. (and I can't rely on the "instant access" statement on the computer). I did have a conversation and they say i was overdrawn by .89 and every five days they access a $30 or $33 fine for being overdrawn. I had stopped mid paragraph to find out their story and they agreed to reduce the fee by $30 (which will be credited to my account). But I am not done. I will take this to the Attorney General of New York, I will design tee shirts and wear them (freedom of speech) and I will not miss an opportunity to tell what a "ripoff" they are.

We, the common-ordinary people, who feel the brunt of those fees and other stringent regulations imposed on us by those industries such as banks, insurance and utilities have representatives in our respective state Assemblys and in Congress. WE HAVE A VOICE IF WE CHOOSE. But it takes work. Our legislators pass laws for banks, utilities and insurance companies to increase the rates and methods of operations. If we don't like it, we need to do something about it. ALL IT TAKES FOR EVIL TO PREVAIL IS FOR GOOD MEN TO DO NOTHING.

cobleskill, New York

This report was posted on Ripoff Report on 02/04/2004 02:06 PM and is a permanent record located here: http://www.ripoffreport.com/reports/charter-one-bank/albany-new-york-12223/charter-one-bank-stole-183-through-their-craftily-designed-electronic-transfer-scheme-a-79186. 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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Updates & Rebuttals

#1 Consumer Suggestion

Taking the side of the consumer and NOT the bank

AUTHOR: P - (U.S.A.)

I must agree with the consumer here. I just now checked my checking account online. This has now become a normal routine for me EVERY MORNING. I get up, jump online, check my online bank balance, check the phone balance and check my checkbook. Ironically, Charter one credited one of my bills twice. Someone must have caught the error because there is a credit on the account. Aside from that little error, Charter One's online banking is NOT very reliable, their credits are to be put posted on the website according to one employee) several times a day. Since the updates are usually 3-5 days behind it takes someone with some sort of computer knowledge to remind them that they need to update the scripts on their banking site. Isn't that pathetic. So employee or not, face the fact, the bank is really taking advantage of it's consumers and we unfortunately are loosing!
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#2 UPDATE EX-employee responds

Ex-Employee Ripped OFF

AUTHOR: Jennifer - (U.S.A.)

I worked for Charter One Bank for 3 years...and the whole time I was abused by my boss..working alone in the bank working overtime and not getting paid. At one time I worked in a supermarket branch and I never even recieved a lunch break when I was working a 11 hour shift. Besides all that when I fianlly made the best decision to quit I was never paid up to date. The company deposited my direct deposit and took it right back out the next day saying I was not owed there was no time card submitted by my manager and forcrd my checking account into overdraft. After disputting this and numerous phone calls and letters sent to cob this now was turned to a collection agency and appeared on my credit report. Beware of OXFORD Management who cob is now using and these people are not abiding by the FCRA (Fair Credit Report Act) and get this Cob submitted this debt as a loan...this is still under investigation...but just goes to show you how greedy those dummies are when they turn you into collection for all there own charged fees!!!!!!!!
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#3 UPDATE EX-employee responds

Stop relying on others

AUTHOR: Kelly - (U.S.A.)

I am an ex employee of Charter One Bank, I left only because I started a family. An automated machine is just that, it is a machine. It is not the banks responisbility or anyone elses to know how much money you have in your acct. If the automated system told you you had a million dollars would you have still went out and left just five in your acct, knowing the rest was not really there? A monthly statement is sent out for balancing purposes. Just writing the tranactions down in your check register does not constitute balancing. You must take the banks balance and if it is more than yours, use your head, something obviously hasnt cleared. Go back to school and take a math course and stop putting the blame on a bank. You were at fault and do not want to accept responsibility for your own ignorance.
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