Banks are shitty places to have your money stolen from you. They can set their practices/procedures any way they want, and you can't do much but walk away if you are unhappy. Once they've stolen a pile of your money though, it's a little late and walking away is basically a Pyrrhic victory.
Before we left town this past weekend we deposited Momma's check. We made a few purchases using our debit card over the weekend knowing that we had plenty of money, that along with the check, the sales would clear on Monday night. That was not the case.
Apparently, because the check is not drawn on Amsouth, soon not to be our bank anymore, they deposited only one hundred dollars of it on Monday. They also let all the purchases go through before the check, though the check was deposited at least a day before any of the purchases were made.
So the bank decided that they should charge us almost three hundred dollars for going slightly over, which if the business was transacted in the order it happened would never happen. And when Momma called them today, they decided to be smug assholes about it and offer us a third of the money back as they are content to steal only a small amount.
So Amsouth basically told us to go to hell because they were keeping the stolen money. Momma has had this job over two years, during which time her paychecks have never once bounced. We've had this account for over eight years, and the only other time this has happened to us, completely the fault of the bank, a much smaller amount of money stolen then, we were able to work the problem out. We have never been anything but good customers, maintaining a balance and never bouncing anything. Because Amsouth doesn't give a shit about their customers, they would rather lose good customers than not steal money.
So, thank you Amsouth. I hope you enjoy our money and the knowledge that your greed could really have hurt my children. My family will be fine without that two hundred dollars, but your greed is making my next week really difficult. And as soon as our different bills are through the bank, we will be taking our money and our business to a different bank.
2 comments:
Bank1 plays Calvin-Ball-Banking too. They paid my mil's house payment twice in the same month, accidentally, causing everything else to bounce afterwards, and then tried to just say oops. The fees were in the hundreds. After much threatening and "I'm going to sue you," it was finally resolved. We had a car loan through them once, and they sent us our title out of the blue, 2 years before we'd finished paying on the car. We kept it, finished paying, and wandered what they'd do when they realized our title was missing...they sent us a brand new one. So, we have two titles for the same car, and they never contacted us to mention they'd "lost" the first one. When you shop around, Bank1 probably isn't your best bet!
i am proud to say that amsouth has made sweet financial doo-doo love to us as well.
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