This seems wrong, right?

[rikki]

I got a letter on the mail today that I had insufficient funds for an online bill pay. The letter at the top stated that after they paid the (insufficient) bill on my behalf and $35 fee, I still had a balance of $3,813.95. I logged in my account and never had a balance less than $3,800. Weird and wrong to charge me an insufficient fee, right? I don't think I'm missing anything, am I? I've been on hold for 20 minutes to get an agent.

[Deleted]

Does your bank automatically move money from another account when there isn't enough there? Mine does that, and that would account for it looking like the balance was sufficient.

Or, they just fucked up.

[soozy87]

Did you try to cash a check from someone else that bounced?

[lime]

There isn't some confusion with it coming out of the wrong account, is there?

[rikki]

Jul 25, 2014 15:31:04 GMT -5 @sfgal530 said:

Does your account require you to maintain a minimum balance, like maybe $5,000 or something? That's the only thing I could think of.

No. This is just our general everyday checking. The letter says I didn't have enough funds in account to cover transaction.

[audry80]

Was a deposit pending? That is really weird. I would log into online banking and start a chat. I always get faster service that way.

[ESF]

Not to sound stalker-ish, but the city is showing, and I did not think you guys lived in that state.

Does everything else line up on the bank statement with our identities and accounts? I'm wondering if there was some weird mix-up.

[ESF]

Jul 25, 2014 15:35:22 GMT -5 audry80 said:

Was a deposit pending? That is really weird. I would log into online banking and start a chat. I always get faster service that way.

Yes, and this.

If a deposit was pending and not all the funds were available, I could see how it would register as an overdraft but also show a higher account balance.

and I love online chats.  If a problem arises, you can take screen shots of them if need be so you have a record.

[mainelyfoolish]

Jul 25, 2014 16:14:55 GMT -5 ESF said:

Not to sound stalker-ish, but the city is showing, and I did not think you guys lived in that state.

Does everything else line up on the bank statement with our identities and accounts? I'm wondering if there was some weird mix-up.

I'm pretty sure that's the address of a bank processing/call center that's showing in the photo. 

[rikki]

Jul 25, 2014 16:14:55 GMT -5 ESF said:

Not to sound stalker-ish, but the city is showing, and I did not think you guys lived in that state.

Does everything else line up on the bank statement with our identities and accounts? I'm wondering if there was some weird mix-up.

That's the address to send a postcard back to the bank with a survey.

They are "investigating" and agreed it was odd.

ETA- Or what was said above. Lol. I should read before posting.

[Deleted]

I have had this happen before because there were pending charges on my account that lowered my available balance. The pending charges were actually one charge that was processed multiple times. When the charge was posted it was only posted once. The other pending charges disappeared and my balance was restored. I only know about the weird pending charges because I check my bank account most days. If I hadn't seen the pending charges that disappeared I would not have had any clue what happened.
The bank did refund me the fees because of the mix up.