I recenty received an overdraft notice from guaranty bank. I never overdraft so i went to the bank to discover that i had been charged 4 overdraft fees of 35.00 a piece because i used my debit card at a KFC and they made a mistake, the total amount that was to be charged was 20.85 and the girl behind the counter accidentaly put 200.85 of wich she corrected and the 200.85 was never actualy taken out of my account. However, the 200.85 was held for 3 days causing my “available” balance to be negetive, but my actual balance was still in the posative, and i was charged overdraft fees for each transaction. I have opted out of the overdraft protection but still got charged. the bank clerk told me that the trasactions were allowed to go through because technically i had the money to cover the transactions. “If this was true why then did i get charged the overdraft fees?” I asked him. His reply was ” well you did not have sufficient available funds” I responded” then under the new laws the transactions should have been denied and no charges should have taken place.
He said that I should go after KFC for my money back for the overdraft fees even though they never actualy took the money from my account. Can anyone help me on what I can do as I think the bank should refund the overdraft fees.