Complaint / review text:
I had taken out 3 separate cash advances in December. I had never used this service before and I was to the understanding that there would only be one repayment of one cash advance from each direct deposit over $100. It never clearly stated they would combine the totals from all advances and take them out of one direct deposit. After I had made a $289.34 direct deposit into my account, I had even checked my account to see my balance and there was only the one advance payment made of $100. I did not know they had pulled the other two payments out two days later on the 26th, which made my account, that I thought was now in good standing, be now negative -$251.55.
I made sure to keep what I thought all of the charges I had coming out after that were covered with the deposits of $22, $55, and $17. When I made those deposits at the bank branch, there was no teller that told me my balance was negative over $200, nor did I receive any notification about the cash advance payments being forced through without my knowledge and before their due date, two days after the initial payment was taken out. I don't feel that they explained any of this information to me, and they had very poor customer service. I have been with them for seven years now and I have never called in wanting fees waived nor have I ever even done a cash advance before. But when I spoke with someone over the phone, they were awful to deal with. I think the way the whole bank handled this situation was very poor and they are losing a long time customer because of their negligence.
As I tried to get the teller over the phone to do, I would like the advance that was taken out without my knowledge on the 26th of December to be refunded. Which would have never made my account go negative after the 26th and all the fees because of this refunded. I deposited $600 in to my account on the 2nd of January that would cover all of my cash advances and that is still even before they were due on the 6th of January. I made sure to cover all of my expenses since the 26th, and I don't think its fair for them to be able to take the repayment of the loan out with no consent, notice, or approval. I made sure to pay them back before my due date. Why shouldn't they have to keep to their agreement and due dates.