- Report: #1218512
Complaint Review: charter one bank -
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charter one bank
USA
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charter one bank manipulationof charges to generate excessive nsf fees and unauthorized theft of my paycheck. damages equal over $2000. pinckney Michigan
charter one has manipulated direct deposit times against legitimate charges in order to charge excessive nsf fees to the customer. This is especially true with a small business account. When asked, they refuse to discuss and state that its all in their fee schedule. They refused overdraft protection because it was a business account. The fees are well over $1000. This, of course, screws up the balance and they fail to notify the customer in a timely manner. So, after closing the account, they fraudulently cashed a paycheck that was in transit when I closed the account, stealing another $1000. Just plain theft, they cashed it to my closd account and took the money to cover more "fees" that they had charged since closing the account. They apparently did not and still have not closed my account and continue to charge fees to it, even though it is now in a negative balance due to those fees.
1 Updates & Rebuttals
Striderq
Columbia,South Carolina,
USA
Actually...
#2General Comment
Tue, March 31, 2015
You spent money that wasn't available in the account. An NSF fee indicates that something was retrned unpaid because there was not enough money in the account to cover it. As the account owner it is your responsibilty to mke sure the money is available in the account before yu spend it.
As far as the paychec, it was not paid fraudulently. Any time an account is closed, an outstanding check coming through will force the account back open. If it's paid it'll cause OD fees. If it's not paid, it'll cause NSF fees. The fees are owed to the bank and have to be paid before the account can be processed for closure. Since you closed the account and you authorized the check, you should have left enough money in the account to cover the check.
It sounds like the mistakes made on the account were made by you and not by the bank. And, NO I do not and have not worked for the bank.
