Personally charged $175 of over the limit fees when an unauthorized charge was made on my business account. The said charge was later dropped but can I only get $70 of fees back. Bank of the west says they can't reverse all of the charges since it was not a bank error. Bank Of The West also cannot provide a print out showing this charge so I can get relief from the company which made the charge in the first place since they said the charge was never posted to my account and was only put on "hold" against my balance.
It seems completely illogical that I should be responsible for fees that were incurred by an unauthorized charge that has since been dropped and never actually posted to the account. Your money is not safe with this bank. If your ATM card is erroneously charged and it puts your account over the limit you will be responsible for those fees. How it was explained to me it can happen even if a card number is incorrectly entered by someone and it happens to be your card number.
Basically I'm out $105 in over the limit fees simply because there was an unauthorized transaction against my bank account. There is no printable proof that the charge was made since it was never posted to my account and only "held" against my balance. To me that means it never happened but the fees won't be reversed.
This can happen at anytime to any customer so beware. Your money is neither safe nor secure with Bank Of The West and they seemed poised to access absorbent fees on their customers at anytime the opportunity arises.
Posting errors causing overdrafts which they won't reverse. I made a cash deposit, my receipt showed the correct balance, but that night they put a check through before the deposit and said they cut off deposits at 4:30 pm even on a friday. Poor customer service, high fees. I have had several issues and i would not bank with them again.