(Closed) NWR- Bank problems…what can I do?

posted 7 years ago in Money
Post # 3
1723 posts
Bumble bee
  • Wedding: June 2012

Honestly, I would call again and tell them you are going to change banks.  They’ll usually give 1 courtesy fee refund.  Also, if the company withdrew too early, contact them and see what they can do.

Post # 4
1962 posts
Buzzing bee

Just call the bank.  BofA allows a one time thing usually.  Maybe your bank does as well.

Post # 5
1020 posts
Bumble bee
  • Wedding: May 2010

Do you have an agreement with the insurance policy folks to not take the money until a certain date? If so, yes, I would go to them. If they cannot do anything, I would go back to the bank and explain the whole situation again and show how you did your best to fix it the first time – I would expect them to at least cover the first charge. If they don’t, change banks.

Also, if the plan changed to no longer provide overdraft protection, they should have notified you. If they didn’t, I would use this as fodder for my argument as well.

Post # 7
18637 posts
Honey Beekeeper
  • Wedding: June 2009

Honestly, most good banks should waive at least one set of fees if you are a good customer and have never had problems like this before.  I have had late fees and other fees refunded to me when I had things happen once because I am so responsible and never have problems like that.  I would talk to a manager and take your business elsewhere.  Maybe consider a local credit union, I have always gotten better service through them.

Post # 8
10287 posts
Sugar Beekeeper
  • Wedding: October 2011

I’ve actually been on both sides of this as a banker and in corporate retail. If you’ve never had a fee reversed, most banks will give you a “good faith” reversal to keep you content. If you called and spoke to someone at a branch but were denied, then call the banks customer service and pitch your story to them. When I was in banking, it was pretty common to “reverse at will” if you may. If your banker or customer service agent was having a particularly craptastic day, they may not have been overly eager to please you. Try a few more avenues before giving up with the bank.

As for corporate retail, if you have something that says that the debit was supposed to come out on a certain day but it came out earlier, you could give it a go with the company and you may have a shot. I wouldn’t expect to get back all of the fee’s though. No retailer is that generous. Dealing with these types of things is actually a large part of my job. Just had one last week, actually.

Good luck!

Post # 9
1359 posts
Bumble bee
  • Wedding: June 2011

I have to agree with  @CaitMarae, unfortunately in my younger years this was somewhat of an unfortunate but typical thing to happen. If you call the customer service hotline, every time you call you’ll generally get someone new. Keep trying. If they give you hell, pull the whole you’ve been a loyal customer and this is ridiculous that this is how they plan to repay you, and that you’re sincerely upset by this..you know that your friend at XYZ bank had better customer service, so you plan to take your service there.


worth a shot..and if you lose-lose, well, you’ll never see that person on the phone again anyway. 😉

Post # 10
1359 posts
Bumble bee
  • Wedding: June 2011

sheesh, double post again

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