| I opened my bank account with First Convience in the latter part of 2008. I requested that I only receive a debit card due to previous banking experience with checks and I did not want to get hit with fees. Little did I know that debit cards could be overdrawn too! I had made a purchase and went over by a few dollars and was accessed an overdraft fee so I went into the bank to see what was going on. I explained to them that I was not aware that debit cards could go "over their limit", because as far as I knew if there was not enough money on a card it would decline. They offered me a "No overdraft privelege" which would not permit my card to go over the limit from that point on. I really didn't use the account much, my sons dad wired his child support on it and I would use the money to make purchases but nothing major. Well December of 2010 I went to use my card at Walmart and I was not quite sure how much was left but I was comforted by the fact of my "no overdraft priveledge" so I swiped and it went through. Next I went to redbox and got two rentals.In January my sons dad did his usual deposit and me being in the complete fog I was in (I had not received 1 letter about the overdrafts!!!) I used my card for a couple more purchases.
For some strange reason I felt the need to check the account, which I hardly ever do because of the "NO OVERDRAFT PRIVELEDGE!!!" as consolation, and to my dismay my account was -$218!!! Un beknownst to me I had accrued 5 overdraft fee's (two followed shortly after that). I went to the bank where I had signed the paperwork, called the 800 number, threatened them with the Comptroller of the Currency, but to no avail. They said they showed where I had signed up for the protection in January, but they said that I had a conversation with someone in June to have it removed. Hmmmmmmmmm.....if I didn't want it in January why in the world would I request if off 6 months later. I contacted the original manager who signed me up, he said that he could not remember me and that he would check into it and call me back before 5.
Well he didn't, and the next day I called him 5 times and they said he would call me back after he finished with customers but no call back. I guess he was too busy swindling more unsuspecting victims into this bank robbery. I feel so helpless, I did everything to ensure that this would not happen and they found a way to ripp me off. I asked about not recieving one letter for all of the overdrafts and there reply was that since I had requested e-statements then they just emailed the letters to me. Really??? I don't even check their emails, I count it as junk because this was just a junk account to me. I am livid because I have to pay these people all of this money because if I don't, they will be charging me $2.49 a day until I do....for a whopping 60 days! Talk about no vaseline! This one really hurts!
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