Complaint Review: Fifth Third Bank - Big Rapids Michigan

"The bank is wrong. Yes, as long as they have your debit card information they can continue to run transactions through your bank. You need to have the card changed to one with a new number." Yes and no. It actually isn't enough to change your card number. Westlake financial can continue to authorize under an old card number, if this provision is included in your contract with them. If you really want to deny them access to your account, you'll have to change your checking account number. " Go to the bank, speak to the manager and quote this to them. They must investigate." Yes, they must investigate. But what they will find is that Paige willingly gave the merchant her debit card number, she is contractually obliged to them, and she does owe them money. Therefore, this isn't fraud. Also, if Paige asserts that she was overcharged, she must provide evidence to support this, otherwise it's her word against Westlake, and banks don't involve themselves in "he said, she said" situations. Unless you have a receipt showing what you were supposed to be charged, then this is considered a merchant issue, which must be corrected with the merchant directly. Call Westlake and find out why they took so much out. If they're unwilling to credit back the difference, you may need to consider taking them to small claims court. You may also want to take a look at the Fair Credit Billing Act to see if that provides you any ammunition.

The bank is wrong. Yes, as long as they have your debit card information they can continue to run transactions through your bank. You need to have the card changed to one with a new number. However, under the Electronic Funds Transfer Act the following applies to unauthorized transactions: If you believe there has been an error in an electronic fund transfer relating to your account: 1. Write or call your financial institution immediately if possible, but no later than 60 days from the date the first statement that you think shows an error was mailed to you. Give your name and account number and explain why you believe there is an error, what kind of error, and the dollar amount and date in question. If you call, you may be asked to send this information in writing within 10 business days. 2. The financial institution must promptly investigate an error and resolve it within 45 days. For errors involving new accounts (opened in the last 30 days), POS transactions, and foreign transactions, the institution may take up to 90 days to investigate the error. However, if the financial institution takes longer than 10 business days to complete its investigation, generally it must put back into your account the amount in question while it finishes the investigation. For new accounts, the financial institution may take up to 20 business days to credit your account for the amount you think is in error. 3. The financial institution must notify you of the results of its investigation. If there was an error, the institution must correct it promptly, for example, by making a recredit final. If it finds no error, the financial institution must explain in writing why it believes no error occurred and let you know that it has deducted any amount recredited during the investigation. You may ask for copies of documents relied on in the investigation. Go to the bank, speak to the manager and quote this to them. They must investigate.

I work for a company that takes credit card payments and does automatic credit card billing. As far as I know, the company who incorrectly charged your account is the one who owes you the fees. 5/3 Bank didn't make the mistake, the company who charged you did. If they refuse to make good on the fees your option is, of course, to take them to court. It is their fault, and their responsibility - that is the downfall of business. Sometimes you make mistakes that are going to eat into your profits. For example: We recently noticed a customer was accidentally taken off our automatic renewal plan. No big deal, a keystroke fixed it. Then the man saw the charge on his bank statement. Well, turns out that it wasn't simply an error - the customer asked to be taken off our renewal plan (no one made the proper notes of this or followed up with the other work that needed to be done). Well, he was furious as a $10 charge on his card placed him over his limit and (ironically) in debt to 5/3 Bank for $225. After our lawyers meet with his lawyers they suggested we no only give him free service for a year, but told us that we were liable for his bank fees since we caused them. This $10 charge has cost us more than $3000 (after lawyer fees) - but that is the price of doing business. Sometimes it costs more - but your actions have consequences.

Paige, First off all, A little bit of grammer and punctuation will help follow your story. I is capitol when implying yourself. Threw is "I threw the ball" The word you want is "through". Your story is very wordy and hard to follow. --- Enough of that, I had a similar incident happen to me last year. Let me begin by saying that I am very anal about knowing my account balance to the penny from payday to payday. My story is this: There was an unauthorized debit of $79.00 onto my primary checking account. This put me at a negative balance. Well, long story short, I contacted the company that posted the debit to my account and they admitted their (not there) mistake. The company re-deposited the 79.00 into my account a couple of days after the original transation. However, I was charged $ 118.00 of NSF fees by 5/3. 5/3 told me to get the $ 118.00 credited by the company that made the incorrect transaction to begin with. Well, I gave it a shot and the company basiclly laughed at me on the phone. They said the fees were not theirs and they would not make good on them. With much arguing with 5/3, they refused to return the NSF fees, even though they were told by the original company that the original transaction was a mistake. As far as I am concerned, 5/3rd's "Totally Free" checking is not totally free. They charged me $ 118.00 last year.

Sounds like 5/3 bank did all they could for you. Since you provided the information for your debit card transaction to Westlake Financial to take your payment, there is really nothing that 5/3 can do since the error is with Westlake Financial. Since, according to your post, there is a transaction that is scheduled to post back by the 18th, you should go after Westlake Financial for reimbursement of the fees charged by 5/3. Good luck.