Dollar Bank!!!

By Heather

Alright, I'm going to try as much as I can to keep this post as safe for work as possible. Mind you this will be very very difficult for me because when I am this livid, I make no promises on my use of vocabulary.

Dollar Bank, if you didn't want your name and reputation squandered, you and your employees would have done your job. But since you thought that unnecessary, I will be broadcasting my experience with your company over the masses with my blog. So you can thank your lack of customer service and attentiveness for this.

Dec. 22, two days before Christmas this past year at 8am in the morning my husband gets a call. It is our bank asking us if we had a large amount of money billed to France. My husband froze and said no, no we have not. Being that we are Americans, hard working Americans, not the washed up Jersey Shore kind of Americans. Hard working Americans that television never televises. I digress, being Americans, living in America, having not even bought plane tickets to France so we are not on vacation. Being that you are our bank, you should know this and should have not allowed this charge in the first place since it is billed out of the country. The person from Dollar Bank said "Alright, then we will turn off your card and issue you a new one. We will also be sending you paperwork for the amount lost. When you receive this paperwork, fill it out and turn it into your branch office. It will be processed that day and you will have your money." So he gets off the phone with them, his nerves are shaken but he feels okay about it since the bank "said" they were taking care of it. So A WEEK of not having money in our account we finally get the paperwork. Mind you we have a car payment, car insurance, rent, etc to pay within this week because its the end of the month. We finally got the paperwork, filled it out and handed it to our branch office. Not only is it NOT processed that day, we call back and they tell us one to two weeks. So two of my credit cards are calling me relentlessly because of late charges and my school loans are sending me a delinquency notice because the paperwork is taking so long to be processed. So now the bank is responsible for my late fees because someone is not doing their job and feeding us a steady stream of bullshit.

Today Jan. 25 I go to buy a soda and my card is declined...I call my husband and he goes to look into it. Somehow there are eight overdraft fees in our account right now. He leaves early from work to take care of this. Dollar Bank says that they will "Eventually" take off two of the fees, but the rest are our fault. Bullshit!!! We wouldn't have overdraft fees if it weren't for your company in the first place!!! You can't just tell your clients you are going to do something to make them feel safe and secure after they were robbed of their hard earned money and then take care of it when you EVENTUALLY get around to it. Especially when this happens in the hardest time of the year. We were unable to give Christmas presents because of this. And the thing is, I feel guilty for it. But even though its the BANK'S fault, I feel so guilty for being unable to afford gifts. Because it looks like we are unable to control our finances. The overdraft charges weren't there all of a sudden they were strung out over a period of time and as my husband looked over it we were charged overdraft fees twice without cause. Which makes me think, how many other times this may have happened. Also me and my husband have been able to keep a good budget for months, we were getting a real knack for finances. Don't get me wrong, we are newly married couple living together and getting used to being out on our own. We've made mistakes and have worked to fix them. We haven't tried to weasel out of our mistakes, we WORKED to fix them. That is the kind of people we are.

So here you are, this is our story of now immense strain because here we are again at the end of the month when the largest of our bills are beginning to hit and you Dollar Bank have again put us in a terrible terrible crisis. My husband gets his paycheck tomorrow which will pay for rent and some other bills and I am horrified because it is still going to your bank because we have been unable to get this resolved long enough for us to leave your institution.