Independent Bank

Independent Bank Independent Bank West Michigan Unfair Overdraft Charges after SIGNED AGREEMENT TO STOP!...TWICE! Charlotte, Michigan

16th of Jul, 2011 by User251673

Independent Bank is where i opened my very first checking and savings account. When i did this they asked me to opt in to overdraft protection and explained that they would cover charges for a 30.00 fee. I said NO! Within one month of being with I.B. i got a letter stating my account was over drafted. I called and complained to them, they said that they would refund any fees, and that i had to come to the office to sign a paper stating that i did not want over draft protection....so i did and everything went great... for a while. A few months later i my mom, whom i lived with at the time, got a call on our house phone. A rep from the bank told her that my account was over drafted nearly 500.00.... she called me and told me, so i called the bank yet again and complained... they explained to me that i had opted in to this service and that they were only going to refund half of the fees. I SCREAMED AND SCREAMED! they still wouldnt budge and even threatened to sue me.... so i went to the bank and agreed to give them 400.00 and AGAIN singed another paper stating that i did NOT WANT overdraft protection. Everything went fine for 4 months, then finally in March of 2011 i received a bank statement that showed over a 100 dollars in charges and 500.00 in overdraft fees for them! I called and they actually had the nerve to tall me that i didnt even have an account with them and refused to allow me to speak with the manager! I have called and complained to them 11 times since then! To date, i have received 4 collection letters and 2 letters from an attorney! I have called the customer service numbers on all letters only to be told this is a valid debt and it must be paid. I REFUSE TO EVEN ACKNOWLEDGE THE FACT THAT THEY THINK I WILL PAY THIS! Someone needs to stand up with me and fight this bank! it is unfair to just tack on overdraft charges when there shouldn't even be a chance for the card to go negative! This bank is full of liars and crooks and if this even touched my credit report, i will blow my hard earned money and a lawyer and sue the crap out of them! HELP ME PLEASE, WITH ENOUGH VOICES WE CAN CHANGE THE WAY THESE BANKS ROB US!

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