Each month, I have to transfer funds back to my bank in Canada (from our American account) to cover the car payment that’s automatically withdrawn from my account. Until now, we haven’t run into any problems doing this.
Last month, the money was transferred no problem. Nothing was ever communicated to us that there had been a problem with it. The money arrived in my canadian account without any further to-do. This month, I again transfer money.
The bank statement arrives and BOTH DEBITS (for September and October) were made on the same day. Apparantly there was ‘something wrong with the paperwork’ from September. Which was not mentioned to me when I showed up at the bank last week to make the new transfer. Never mind that the money from September had been in my Canadian account for over a month. We’re in the red over 200 dollars. The bank so kindly adds a 100+ NSF fee to that.
We have made 0 transactions since we have found out we were overdrawn. However, since that time 2 more 15.00 transactions have posted - and each has a 100+ NSF fee tacked to it.
We contacted the bank - they acknowledged their error and agreed to debit us half of the FIRST NSF fee. Nothing more. Never mind the fact that there was no way we could have known we were overdrawn when those later transactions were made - because the NSF hadn’t posted yet. Never mind the fact that it’s the bank’s damned fault that there was money in the account that was already spoken for and SPENT BY GMAC!
I know - we should have known that the money was not removed from the account - and we agree that the bank shouldn’t give it to us for free - but they have charged us 300 dollars in NSF fees now. We were just getting out of the damned hole and this is going to keep us from paying our rent.
Can anyone help? PLEASE?