- Report: #195663
Complaint Review: First Convenience Bank First National Bank - Dallas Texas
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First Convenience Bank First National Bank
1stcb.com Dallas, Texas, U.S.A.
Phone:
800-9037490
Web:
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First Convenience Bank, First National Bank They charge overdraft fees when they shouldn't Ripoff Waxahachie Texas
On Sunday, I made a purchase with my debit Mastercard for $161. There was $173 in my account so this should not have been a problem. I check my account online on a daily basis and the purchase was pending and there was an available balance of $12 in my account for a couple of days. When I checked my account on Wednesday, a debit that I had forgotten about came through for $28. I know that this one should not have cleared and I have absolutely no problem with paying the $33 overdraft fee for it.
However, First Convenience bank decided that they should add them together and that the total amount would be more than I had so they charged me two overdraft fees.
The next day, Thursday, the first amount cleared so they charged me another overdraft fee. I went to the bank and explained my problem to the manager. I have had this problem with them before and they explained everything to me, got me thoroughly confused, I said "okay" and left. This time I made printouts of each time they charged an overdraft. When I went in they tried to tell me that it is just the way the computer does it and that they would be nice and do me a courtesy by refunding one of the fees. She also said that she would get with the other manager and see about removing the other fee.
This morning the $28 went through so they charged me ANOTHER $33 overdraft fee.
In total they have charged me $132 in overdraft fees for one debit of $28 that would not have cleared! They did refund one of the fees but they continue to say that it was not a bank error.
I really do not believe that it is legal for them to charge these fees but I do not know how to prove it. I have been a customer with them for a long time but I will be changing banks by the end of the month!
Brandi
Frost, Texas
U.S.A.
However, First Convenience bank decided that they should add them together and that the total amount would be more than I had so they charged me two overdraft fees.
The next day, Thursday, the first amount cleared so they charged me another overdraft fee. I went to the bank and explained my problem to the manager. I have had this problem with them before and they explained everything to me, got me thoroughly confused, I said "okay" and left. This time I made printouts of each time they charged an overdraft. When I went in they tried to tell me that it is just the way the computer does it and that they would be nice and do me a courtesy by refunding one of the fees. She also said that she would get with the other manager and see about removing the other fee.
This morning the $28 went through so they charged me ANOTHER $33 overdraft fee.
In total they have charged me $132 in overdraft fees for one debit of $28 that would not have cleared! They did refund one of the fees but they continue to say that it was not a bank error.
I really do not believe that it is legal for them to charge these fees but I do not know how to prove it. I have been a customer with them for a long time but I will be changing banks by the end of the month!
Brandi
Frost, Texas
U.S.A.
