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There policy is to process items that come in to your account the higher amount first for that day.
So here is my kick in the face!
I had 2 items that came in one day that had already posted. my account balance was roughly $120.00 then I had a credit card payment come in and instead of returning the item due to insufficient funds because the debit was for $277, they process it in front of the other two credit card withdrawls because that was the higher amount that came in that day, needless to say it set off a negative balance and then they charged me an NSF for every item after that. I checked my balance and I had plenty of money for my gas and debit for walmart earlier that day. This is how this bank makes it's money. please I am asking everyone that deals with this bank watch your statements because they will nail you.
Instead of processing the items as they come in they process them higher to lower for that day doesn't matter if what's been already posted. Therefore if something unexpected comes in you are going to pay their NSF fees. I have been fighting with them and cannot get anything resolved. I have been a customer with them for 13 years and this is what they do to you. Just plain out "BAD BANKING". I cannot believe they are doing this to me. They knew I didn't have enough to cover the withdrawl they should have returned the item. I have never heard of processing items like that, the way they want, so they can take your money. I am not thru this this bank! I am so pissed!
The complaint has been investigated and resolved to the customer’s satisfaction.
Same thing. I have banked with them for over 15 years and today My account is $600.00 in the negative because of several things coming out twice. Customer service was not great and they even hung up on my husband when he tried to explain to them that he needed gas and couldn't use his debit card. 10:30 PM and still not fixed. I could end up with $400.00 in overdraft fees which I'll probably have to be on the phone forever trying to have it fixed. I truly understand that things happen that are beyond control sometimes, but leaving people without access to funds that they actually have is bad buisness to say the least. We certainly will be looking into other banks or keep it all under the mattress:)
I was also double charged about $900. I was also told that it would be fixed today. I just reviewed my account and found that they now have charged me the overdraft fees.
My account too is on hold. I went to withdrawl funds this morning and to my shock, I am negative. I then investigate my account and notice that all my transactions have been doubled.
I called and talked to a customer service rep(Victoria), and she told me that they are aware and are dealing with the issue and want to have it resolved by end of business today(10/15/08). Here it is nearly 8pm, and I still have no money. The issue has NOT been resolved.
Now, I was assured that all fees incrued during this period would be credited back. But what an inconvenience that I have no access to any of my money. This is the first issue I have had with this bank, but what an issue it is. All my funds frozen...there has got to be a better way.
Now i just found out that rewards that I turned in on April 19, 2017 never went through charter one never gave me a confirmation number. I turned in 58, 500 points Now since I closed my account they wont reissiue my card nor my points. Nice going charterOne. All I have is the page that printed out with rewards turned in and the gift cards I ordered. I spoke with the representitive and she said since I have a negative balance due to the payment charter One made they can't reissue me a new card nor my credit card points. when i told the representitve about the problem about this she hung up on me. who ever reads this. Beware you have been warned. DO NOT BAK THERE.