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Report: #1524206

Complaint Review: Bank of The West - Benicia California

  • Submitted:
  • Updated:
  • Reported By: Juliana — Oakley CA United States
  • Author Not Confirmed What's this?
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  • Bank of The West First St Benicia , California United States

Bank of The West Bank of the West caused my checking account to be overdrawn on purpose. None of it had anything to do with me. It was the Banks errors. Yet they would not correct ut. . Benicia California

*General Comment: Let me get this straight

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ATT Fraudulent took money from my account. I filed a Fraud complaint with Bank of The West. It took me a month to get ATT to return my money. I had canceled the debit card already however ATT credited my checking account, On the exact same day Bank of the West Credited my Account for the same amount. Bank of the west waited until my checking was less then the mistake, it was 17 days later, and debited my account for their mistake. My checking account is now withdrawn. I have been with the bank 20 years. We have 5 payroll direct deposits going into the account yet they waited until there was not enough money to debit my account? Really???! I did not know they credited my account the same day ATT credited my account. I did not Know anything until my checking account had a negative balance. I called Bank of the West and they said they would not adjust it. They could have made The correction,debit, any day that there was sufficient funds. Bank of the West's  Supervisor said I could take my business somewhere else and refused to reverse their charge and correct the overdrawn status. My account looks like I overdrew it and it was the Bank that did it. I think Bank of The West waited and overdrew my account. 

This report was posted on Ripoff Report on 01/27/2023 01:18 PM and is a permanent record located here: https://www.ripoffreport.com/report/bank-west/benicia-california-caused-1524206. 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

Let me get this straight

AUTHOR: Flint - (Afghanistan)

POSTED: Saturday, January 28, 2023

You are complaining that the bank did exactly what they are required to do by federal law and credited your account while investigating your (frivolous) fraud complaint against AT&T?  You then proceeded to spend that money (which didn't belong to you), which then resulted in an overdraft when the investigation concluded and the bank withdrew its money.  I'm not seeing how there is a bank error here.  You spent money that wasn't yours, which is a definition of an overdraft.  The bank is not your bookkeeper, and the account balance is not an indication of how much money you can spend without overdrafting.  Balancing your account if your responsibility, and if you kept your own ledger, this would not have occurred.

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