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Originally Posted by marichiko
I am really upset with them that they would tell me one thing and do another. I don't see how this is legal on their part. .
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it isn't.
Call them up, wait until you get to speak to a real person , then explain it. Point out everything you have said here -that you were told a payment to you had been made and were sent a confirmation email (no need to mention who sent the email), you had been told by a member of the bank staff that your card would not let you go beyong your $100 limit (tell them who and when if you have records), that the two combined led to the current situation and that you would have never have knowingly drawn money to cause you to go over your limit and you did everying you could reasonably be expected to to check your information was right. My bet is that if you haven't accrued any such charges before, they'll waive them as by the end of Reason 2.
Cyclefrance, no such thing as pink zone here. Very rare to have any overdraft facility whatsoever. And bank charges are ridiculous. US banking is archaic compared to UK banking. Direct Debit is still pretty new and gets screwed up all the time and has little or no legal consumer protection. There are no such things as check guaratee cardxs -you use your driver's licence and phone #, although that doesn't legally guarantee anything. No-one checks the signatures on credit cards. You need ID to make deposits into your bank accounts, but then you can deposit checks made out to anybody, as long as the have been "signed" on the back by that person.
Nuts.
I miss UK banking, even if it isn't driver-thru and the banks close early.