A bank denied me an online checking a...

A bank denied me an online checking and savings account, then charged me anyway!

Posted in the Alberta Forum

gplbloomfield

Phoenix, AZ

#1 Dec 1, 2013
A bank denied me an online checking and savings account, then charged me anyway! TWICE!?Please bear with me, this is a little bit complicated. Two days ago I applied for an online special....open a free checking account AND a savings and get 4.79% interest on the savings account. I decided to put $50 in checking, and $50 in the savings using my debit card from my existing bank. Once finished with the application, the bank denied me (I suspect for a low credit score...they said they'd mail me a reason later based on the fair credit reporting act)...BUT they charged my account anyway...and double drafted me for each $50 taking a total of 200$ from my account. This caused an overdraft which they pulled from my savings and charged me $10 for that transaction. Needless to say I am livid. SO, I call my bank, they will not stop the charges without me trying to resolve it with the other bank first. So I call them, and they promise to have someone in authority of that department call me back within 24 hr, no call. So I call them, they promise to call back, no call. What to do?
evandqej_7

Phoenix, AZ

#2 Dec 1, 2013
gplbloomfield wrote:
A bank denied me an online checking and savings account, then charged me anyway! TWICE!?Please bear with me, this is a little bit complicated. Two days ago I applied for an online special....open a free checking account AND a savings and get 4.79% interest on the savings account. I decided to put $50 in checking, and $50 in the savings using my debit card from my existing bank. Once finished with the application, the bank denied me (I suspect for a low credit score...they said they'd mail me a reason later based on the fair credit reporting act)...BUT they charged my account anyway...and double drafted me for each $50 taking a total of 200$ from my account. This caused an overdraft which they pulled from my savings and charged me $10 for that transaction. Needless to say I am livid. SO, I call my bank, they will not stop the charges without me trying to resolve it with the other bank first. So I call them, and they promise to have someone in authority of that department call me back within 24 hr, no call. So I call them, they promise to call back, no call. What to do?.
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