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SunTrust Bank Complaint - No response when asking for help for charges not made - internet charges
internet charges - Complaint
GREER, SOUTH CAROLINA -- My husband agreed to a 3 day trial with a company he came across on the internet. He start the trial on Friday and by Sunday morning he had gone in and canceled the membership. The first amount for the trial period was only $4.47 and we had more than that in the bank. He made this transaction via phone because he had put his # in wrong and they asked him to call them. The next thing we knew they had posted 2 more charges to his account via internet. Needless to say it put us in overdraft. When I contacted the bank and talked to the Asst. Bank Manager, he said that you should not give your bank card info over the internet. Ha. Yeah a joke since most people now days do almost all shopping via internet. He then said we needed to cancel the card. Which he did. My husband contacted the fraud department and was told that he should not have canceled the card but looked into the charges himself. But even though the card was canceled, I was doing war with this company who had a person answer the phone when my husband called, had an answering machine answer the 15 times I called and did not call me back. I then went to the internet and bombed them with emails. Guess what, They refunded the money to an account that they only had the bank card number to that was canceled. Secure banking huh. When I called the bank and asked how they could possibly refund money to a card that no longer had access to I was told that they did not know. I also have our rent set on bill pay. Guess what, it was not paid this month. I called and was told that it was not set up for a monthly payment, the woman procedded to start telling how to go into my account and do this, I cut her short and told her to look at the account a little better since I had used bill pay before. I told her I did not have to have a lesson to be able to do this and that I know that I set it up for monthly payment. Of course in their eyes, they are right and the customer is STUPID. I asked for the number for the complaints department and she said they did not have one, but she would be glad to take my complaint and have them call me back. What, double talking? She takes my complaint, sends it to the COMPLAINT department and they call me back. Go figure. Needless to say we had a huge overdraft which we were told we would be credited for. Maybe by the year 2030. And that our rent was not paid and we have to pay $25.00 late fee plus $5.00 a day after the 10th of the month. So I am on the phone with Wachovia right now and switching banks.
banthony4760
banthony4760
Comments:
Posted by werelucky on 2010-11-15:
The bank was right. Never buy anything anywhere, especially over the Internet with a debt card. Use a credit card. When you use a debt card it's like handing your checkbook to these companies. Only use the debt card for ATM cash withdraws at your bank.
Posted by trmn8r on 2010-11-15:
I believe werelucky means always use a "debit" card. A credit card is closer to a "debt" card then a debit card, if you think about it.
I completely agree. I would never give my debit or checking account over the phone or internet to a company other than, say, my electricity provider or the telephone company (land line only). I use my credit card for all purchases that are not in person. As werelucky says, it gives someone direct access to your cash, as opposed to access to your credit.
I completely agree. I would never give my debit or checking account over the phone or internet to a company other than, say, my electricity provider or the telephone company (land line only). I use my credit card for all purchases that are not in person. As werelucky says, it gives someone direct access to your cash, as opposed to access to your credit.
Posted by CatyL on 2012-04-28:
Your closed card can receive credits, but will not allow debits to go through. I've had enough lost cards to know that answer :) Also sounds like you are paranoid that speaking rude to complete strangers only doing their job resulted in them maybe "pushing" a button that gave you an overdraft fee. I assure you only YOU spending more in your account than you had resulted in the overdraft fee. (which by the way, if your rent wasn't paid, then wouldn't you have had more in your acct anyway? Maybe thats why it didn't get paid, the funds weren't in there.)If you knew how to set up billpay, then why even call them? The rep probably assumed you needed some assistance since you did call....
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