BankPlus Transaction reordering and now double posting transactions! Horn Lake Mississippi

It is amazing that with your "Bank Bad..Me Good" mentality, you can't see that the comments made are here to help  you avoid issues in the future.  But I guess if that is how you want to go through life....

So let me just point out a few additional things for you.

I guess you overlooked that many banks have been sued over transaction reordering and the consumers have won!

- Yes many banks have been sued, but not a single suit has made the posting order or the amount of the fees illegal.  Go try and find one..you won't.  Oh and as for "winning".  In each Class Action Lawsuit the standard "win" was that each consumer got the equivalent of about 2 overdraft fees, regardless of how many overdrafts they had.   So if you consider that a win, then more power to you. 

I have learned my lesson trust me...I know now not to have any confidence in online banking and "real" time transactions that take place.
- If that means that you are now keeping a written register then good...Mission Accomplished

Amazon understood how easily it could have happened and helped me...why? because they know that "sometimes" "accidents" happen! Who would have thought? They did not have your type of too sad, too bad, and I don't care about you mentality

- Not once did I state that you should not have received your money back.  I stated responsibility needs to be placed correctly.  It was Amazon's software that caused the issue because it wasn't locked.  So it is Amazon who is responsible.  Really...after all of this you STILL think the bank should have somehow paid you the money back?  Had Amazon not paid you back, I would have suggested to write a report on them and perhaps pursue legal action against them.

Accident in a store? Well if something like that happened, this is why businesses have insurance:)

- Sadly you just proved my point. You feel that it is the one with the biggest pockets is the one that has to pay.  Forget what you think about parenting skills, I really hope you don't pass this belief onto your child.

And bringing a small child into a place full of "glass" items would be silly..
- Actaually I hever said the store had to be full of glass and I could give you 100's of different scenarios.  Such as say your son is playing baseball in your front yard and hits a ball that breaks your neighbors window.  Are you going to make your neigbhor deal with their insurance company to get paid?  What if the neighbor doesn't have a policy that covers this or a deductible that he needs to pay out of pocket?  Are you going to be the responsible one and pay the damages, or just tell him "Too Bad..So Sad it was an accident"?

You have made your points...I respect your place on this matter

- Actually no you don't respect my place and think I am full of s**t,  But that is okay.  As even if you won't admit it, it appears you MAY have actually taken away one of the points I was making in managing your account.  So it would all be worth it.

I am going to say that it is people with your mentality that is wrong with this world....I am glad that you are so good at managing everything in your life so that mistakes never happen.I would encourage you to start a business in life mentoring or something of that nature....

I guess you overlooked that many banks have been sued over transaction reordering and the consumers have won! I really have been lucky that this had not happened before....I have learned my lesson trust me...I know now not to have any confidence in online banking and "real" time transactions that take place. 

Your stand on how a 5 year old should be watched is hilarious! I am glad that your parenting skills are top notch..you should write a book on parenting! 

Kids have gaming systems and I have many downloaded games that were specifically for him and if you know anything about downloading games on a Kindle it is so simple that a 5 year old can do it! (in seconds!) So in the future I should be sure to sit with my child (or have his babysitter) every second he is playing a game just "in case" a techincal issue happens and he is able to use stored online account info? (which no! I no longer trust in keeping stored info online anymore either) LOL! Amazon understood how easily it could have happened and helped me...why? because they know that "sometimes" "accidents" happen! Who would have thought? They did not have your type of too sad, too bad, and I don't care about you mentality..I am thankful for that! 

Accident in a store? Well if something like that happened, this is why businesses have insurance:) And bringing a small child into a place full of "glass" items would be silly...but someone with my parenting skills would never have known that without your wonderful parenting advice! 

..You have made your points...I respect your place on this matter; however, many do not agree with you...I am one of them..that is all..

You state that Amazon refunded your money.  Good, as I stated that is exactly what should have happened.  It is not the banks responsibility in this case.  So you can claim that the bank has some "ethical" requirement to take the hit for your son's action or to give you some sort of break because of your history, but that doesn't make it so.

As for you not being around when your 5 year old got your Kindle. That is a meaningless excuse, because what you are basically saying is that you left your 5 year old without proper adult supervision long enough for them to ring up $900 in purchases. 

But let’s go back to your "ethical" claim.  Say you and your 5 year old are in a shop and he breaks a $500 vase from an artist.  Who's responsible for paying?  Are you going to make the Artist take the loss because it was a "mistake" or are you responsible for your son's actions? 

Does your answer change if the artist makes only $100 a month or $100,000 a month?  If your answer does change then what you are really saying is that regardless of your mistake the person with the biggest pockets is the one who is responsible…and is that something you want to teach your child?

You state that they have now double posted five transactions.  That was NOT part of your original report, and yes that is a problem with the bank.  IF they do charge you for fees that were a DIRECT result of these double posting again that would be wrong and you would have a valid complaint.  But this has NOTHING to do with you failing to keep a written register and them posting a transaction at bad time for you causing other fees.

Then just a point on the transactions being removed and then coming back.  You stated that in all of your time you never had this happen.  Since you were so proactive and called when they double posted transactions, you must have been as equally proactive and called to find out why they disappeared...right?  Or did you just figure "Score..free money"? 

Another interesting statement you made was that you state when you opened the account the bank associated stated that people "rarely" use registers.  Really, so you remember exactly what was said by some person 10 years ago when you haven't had a single issue in that 10 years?  Of course you remember the entire conversation verbatim…right? 

In the end you can play the "blame game" all you want to try and make up 1001 reasons why you should not be held responsible.  But every argument and claim you make always will come back to the fact that you did not manage your account as you should have been.  Hopefully this will turn out to be a fairly inexpensive lesson that you need to take additional responsibility.  Oh, and just in case you were wondering , no I do not work for this or any bank, and this is the exact same thing I would have said regardless of the bank name you are talking about.

May I add just yesterday as I was looking at my account and saw my balance much lower then it should have been and noticed the banks "system" ran 5 of my transactions twice! I called them and was told that it was a "system" error and was advised not to use my account until the "system" updated and was able to "auto-correct" the errors...several accounts were affected..I needed and wanted to use my bank card yesterday but could not because the bank had "my" money tied up...Perhaps consumers should start charging "fees" for when the banks "systems" crash! I have taking screen shots of all of this just in case they try and hit me for "fees" that they caused!I am sure someone will tell me that I should always have a back up plan for when my bank is not being reliable though:) 

FYI- the charges from Amazon happened very quickly within minutes of one another...this was not an "ongoing" issue..it was a one time issue.....I just find it funny that over the years I have never had the problem with "transactions" going away and then coming again....I was was 7 hours away from payroll deposit, which they have already admitted to seeing up to 24 hours before it post and then two "small" charges magically shows up right before midnight when my deposit goes through and I was charged two NSF fees....Like I said it was an overlook on my part yes....we all make mistakes but should not have our hard earned money taking so easliy either by huge bank fees or they could have a least been a bit "nicer" about the whole thing in the begining...In the end I got help but it was not without much stress and feeling like I had really put the bank out...

I was at work when my child got the Kindle....guess you do not understand "accidents" happen! The point here is that even the bank associate that opened my account stated people "rarely" keep registers...life gets busy sometimes and for an overlook in "10" years! Really! Amazon did refund me back all the charges....the bank did not want to help me at all with the fees...which added up very quickly! The average working person that is working paycheck to paycheck cannot afford 400 plus dollars in bank fees! It was fraud and wrong for the bank to treat me like I was wrong for asking for help with this "disaster". If my account was used without permission then "YES" it is fraud! 

The fact that people like you actually think it is ok for banks to have so much control over someone else's money is sad...The fraud department called me at work so obviously they thought my account was experiencing unusual activity...yet because it was a "family" accident caused by a 5 year old..it changed the game? They may have "technical legality" here but it was wrong on an ethical level...that is my point and will remain my point...

Oh yes another person who lives by the phrase "It's not MY responsibility to mange my account".

Guess what your overdraft issues are 100% YOUR fault.  The bank's "online" system was NEVER meant to replace the written register.  And guess what you go in and ask your bank they will tell you the EXACT same thing.  You had 10 years of no issues....good for you.  It doesn't change the fact that had YOU kept a written register the overdraft would not have happened.

The reason is that the bank has no idea what was spent until it receives it from the merchant.  So if the merchant doesn't submit the debit for 2-3 days..you have 2-3 days of a balance move than it is actually.  But if you kept a written register you would know you would have spent it and then it wouldn't matter if it was 2 hours or 2 months before it posted to your bank account.

In your particular case, the merchant(s) submited the initilal authorization which puts the transaction in "pending".  Now, they did not, for what ever reason, submit the final authorization.  As such your bank removed the hold after 24 hours making it "appear" available again.  However, a few days later the merchant then submited the final authorization, thus taking the funds out.  The bank is REQUIRED by Federal Law to allow that transaction to go through because it was previously authorized..even though your bank removed the hold. 

As for the "fraud".  Unfortunatly the bank is right.  You say you didn't authorize it.  Okay..but YOU set up the account on his Kinddle with your card and by doing that you had to agree with Amazon that you are authorizing the charges.  If you have a problem with the one-Touch not being password protected then you need to take it up with Amazon and have THEM remove the charges.  As far as the bank is concerned, until Amazon says it was wrong you are in fact responsible.   And I will say that depending on the rest of the circumstances you may have a very valid case against Amazon, but this is not a battle for the bank to fight.

I am actually curious as to over how many days this happened..even more curious because of your claims of you looking at your account daily.

So to summarize...keep a written register and pay better attention to what your children are doing.