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If your bank ever charges you a fee that you do not deserve, you will likely be able to resolve the situation, buy only after having to make a concerted effort to do so.

An example of how banks make mistakes:
The following story happens every day. John Diggens thought that his bank, Citibank, would instantly recognize that a stranger's check for the sum of $2,500 was mistakenly drawn from his account by correcting the problem. He thought all it would take would be quick phone call. However, Mr. Diggens was wrong. After 15 days and two visits with the branch manager, the problem was finally resolved.

What should you do?
If your bank performs any type of erroneous withdrawal or activity to your account, the most effective method for complaining is in person, and not over the phone. Only if you are seeking a balance inquiry don't bother visiting the teller. They will not be able to help you.

However, many consumer law experts advise that you begin your process by making a phone call first with a subsequent letter. No matter if you talk with someone face-to-face or over the phone, make sure that you get there name and title. Try and get this person to commit to resolving your issue by a specific date, with a certain action. Recap your communication in a letter and mail it your bank. Make sure you develop a paper trail by making copies for your records. Doing so will help prove that you have taken timely action.

Below are some additional suggestions that should be followed for effective complaining in response to a bank's mistake:
 - Before you make any contact with your bank, make notes to yourself detailing your issue and how you want the bank to resolve it. This will prepare you for your conversation with the bank.  Not only will you be presenting them with your problem, you'll be presenting them with a solution!

 - Begin your process of complaining right away! Don't wait! You may only have a certain amount of time to issue your protest.

 - You may want to ask for a supervisor when conversing with your bank over the phone. You want to ensure that you are talking with the right person.

 - Get all of your paperwork (supporting evidence) together, i.e. canceled checks, bank statements, etc.. You may want to make copies of everything for your personal record because it is likely that your bank is going to request that you hand over the hard copies.

 - Always act in a professional, courteous manner. Being confrontational is not going to get you too far with accomplishing your goals. You are only going to stress yourself out.

It is important to note that if you can not resolve your issue and decide to take your business elsewhere, you will likely be charged a fee for closing your checking account out.



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