Thank you for choosing JustAnswer. I will be glad to help you.
To get someone who knows what they are talking about in Customer Service is like taking a shot in the dark!
Go straight to the top! The president. If it's a large bank and the president is in their corporate Office or hiding somewhere else, ask for the Senior VP or General Manager; get their name and title, write them a nice letter briefly outling what measurs you hav already taken to resole this problem and that you have received no stisfaction. Repeat that the charge was unauthorized and when the bamk realized it, they reversed it. It necessarily follows that if the thing causing the overdraft was removed, the overdraft charges whould also be removed.
Then in a very diplomatic way tell them that you prefer to resolve this amicably, but since no one seems to understand why the $120 overdraft is also illegal, they will force you to assert your rights in a legal forum and tell someone who uderstands the illegality (A judge) to Order them to reverse the charge. You will also publicize what they have put you through all because of their mistake.
That should light a fire under them!
I hope I have clarified your options. Kindly pess the "ACCEPT" button so that I may receive credit for my work. Leaving positive feedback is always appreciated.
Thank you and Good Luck!
ANDREA - Attorney at Law & Legal Expert
Is there any other information you would like me to consider?
Please press "ACCEPT" so that I may receive credit for my work
ANDREA - Attorney at Law
DISCLAIMER: Answers from Experts on JustAnswer are not substitutes for the advice of an attorney. JustAnswer is a public forum and questions and responses are not private or confidential or protected by the attorney-client privilege. The Expert above is not your attorney, and the response above is not legal advice. You should not read this response to propose specific action or address specific circumstances, but only to give you a sense of general principles of law that might affect the situation you describe. Application of these general principles to particular circumstances must be done by a lawyer who has spoken with you in confidence, learned all relevant information, and explored various options. Before acting on these general principles, you should hire a lawyer licensed to practice law in the jurisdiction to which your question pertains.
The responses above are from individual Experts, not JustAnswer. The site and services are provided “as is”. To view the verified credential of an Expert, click on the “Verified” symbol in the Expert’s profile. This site is not for emergency questions which should be directed immediately by telephone or in-person to qualified professionals. Please carefully read the Terms of Service (last updated February 8, 2012).