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Originally Posted by Clodfobble
Does your bank not have the option to check your balance online? It's way faster than using an automated phone system.
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Online banking is a myth. What you see when you log onto your account is a copy of the actual account data sent to a web server - you are not logging into your actual account. Most "online banking" sites do not include balances - only transactions and the transactions are usually delayed by as long as 3 days.
From what you are telling me Mari here is what I think happened. I think your client really did "send" the money. But, for some reason, the transaction did not go through. I'm guessing that when your bank received notice of the incoming deposit, your permisions were set as though it had actually arrived. But it wasn't for several days afterwards that the bake realised that they hadn't gotten the payment or that the transaction failed. So while the account was credited, the money wasn't there and that is what generated the service charges.
Go to the bak and request an "on-demand" statement and see what it says. From there, figure out what happened. Then, speak to a manager to get the charges reversed.