Holy shit.

http://www.youtube.com/watch?v=gw2P_gim1Gc&feature=related

I only hope to be this good. So far, I’ve only touched Medium.

Bank Letter (Yeah, I’m pissed off.)

Hello again:

 

Once again, I am emailing support with some more overdraft problems. The last time this happened, there was a logical explanation for the massive (~$280 negative) overdraft, which I ate the cost for. Learning my lesson, I decided to keep an electronic pocketbook to track my transactions.

 

On the 29th, according to my pocketbook, I made a $1.04 purchase, while my account was $1.13 positive. I verified this by phoning in (Available and Account Bal.: $1.13) and checking the website (balance provided was $1.13, with no link to indicate any differentiation in balances).

 

And before I continue further, yes, I did phone in. Yes, I do have overdraft protection and it ended up maxing out my credit card. (Since these two points were the main point of the last support email.)

 

So on the 30th, I made a $21.83 purchase at Safeway #595, which of course would overdraw my account. Following Prospects, that would place my account at $21.84 negative without overdraft fees. Factoring in the $37.50 charge, this would round out to -$59.34.

 

However, I noticed that both transactions were pending. Fine by me, but the one gripe I have, however, is that EVEN THOUGH I made the $1.04 purchase while my account was positive, the $21.83 charge was put through first, overdrawing my account, and then the $1.04 purchase was authorized, incurring yet another overdraft charge.

 

That is to say I don’t mind eating the $59.34 charge, but the extra $1.04 + $37.50 is not something I’m willing to pay seeing as the $1.04 transaction should have gone through first.

 

Obviously, I am none too satisfied with this behavior. During my brief stint with Washington Mutual, I never had such a problem. Transactions went through in the order they should have, and I was charged fairly and accordingly when I overdrew my account there.

 

I hope I receive a helpful response–the customer support thus far has been excellent, and while I realize the incident before this was my fault, this time, I clearly made sure everything was planned out and nothing should have gone wrong. I used every avenue of checking my account as recommended by U.S. Bank personnel and still something went wrong.

 

-Chris