Below is a copy of the letter I faxed to the District Manager which explains my situation fully. After dealing with both the Assistant Branch Manager and the Branch Manager. I want to add that they both offered to refund any NSF fees but at this point the NSF fees are not what I am worried about.
To Whom It May Concern,
I placed a call to your toll-free number on January 20th to complain regarding a charge to my account for $19.99 that was unauthorized. I have had several problems with companies accessing my account without authorization including a fraudulent purchase from someone that gained access to my PayPal account. All monies to date have been investigated and successfully retrieved. The phone rep advised that I should cancel access to my account and go into a branch to get a new debit card. On Sunday, January 25th, I noticed a pending withdrawal of $300.00 that indicated a Teller Cashed Check. I had no clue what that meant so I immediately called the toll free number and was told they could not get any information. I knew that I had not gone inside the branch and that it was not a transaction authorized by me but with the transaction still pending It was explained that I would be unable to receive any information. I was also told that only my debit card was cancelled from my phone call a week prior but that my account was not restricted. Since I could not remember if I specifically stated this in my phone conversation which resulted in only my debit card being cancelled, I asked at that time, that aside from checks and automatic debits for bill pay that no other transactions be allowed on that account. I provided the representative with the checks that were still outstanding. At that time I was given a reference code for access to the account that I asked to be frozen. On Monday January 26th, I went into your bank to open my new accounts and was told that the transaction for the $300.00 was not accessible as it was still pending. I had an idea that my ex-boyfriend had accessed the account which I understood I would have no recourse since he was legitimately on my account even though he was not authorized by me to withdraw any money. On Tuesday I accessed my banking account to see if I could tell what went on with the $300.00 and to my surprise the $300.00 transaction had disappeared. So I went to your bank and had the assistant manager access my account, the same person that assisted me in opening the new ones, to see if she could help. She saw as well that the transaction for the $300.00 was not there. At that point we assumed it was just a teller error. I specifically asked if this transaction would show up again and was told no. So I went on with business as usual assuming I had the $300.00 and that it was just an error. I usually check my accounts once a week, usually on Sunday or Monday. I checked my account today and the $300.00 withdrawal is back and was posted on Tuesday the same day it mysteriously disappeared. At this point I have no idea when it actually showed up.
At this time I am requesting the return of the $300.00 to my account. How am I supposed to maintain my accounts if transactions temporarily disappear and then re-appear? During the course of last week and over the weekend I spent money and paid bills that I would never have had I known what was truly going on with my accounts. I kept trying to investigate the $300.00 transaction however could not investigate the transaction with it completely disappearing. A situation that was already bad was made significantly worse due to this fiasco. This is my life hanging in the balance. I am begging that you please make this right for myself and my family. I will have no way to recover from this financially.
I forgot to add my original argument. I believe this co-owner on my account was allowed to access money that wasn't there. When I checked my account on Saturday morning, my direct deposit was not showing at all. It wasn't even showing pending status. My paycheck usually doesn't show up as pending status until Sunday. So if by looking online my paycheck is not physically there how was a teller able to give someone $300.00 out of my account when it did not show actually having $300.00 in it? The assistant manager was not able to confirm for me when actually my direct deposit was put into my checking account. Since both my direct deposit and the teller cashed check were both in pending status all weekend until Tuesday which one actually occurred first? Once the $300.00 transaction disappeared we were not able to investigate the matter. I printed bank statements showing the pending transactions and the mysterious disappearance of the teller cashed check for one day. Can you please provide me with written information as to when my direct deposit was physically available and when the teller cashed the check for $300.00? I would like this information for my records.
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