As if it wasn't enough with
Chase, USAA followed suit..
My USAA checking account had $100 in it that I had disbursed into from my Paypal account.
I set up a monthly transfer of $100 to a friend. Once the first transfer was done I cancelled it that it shouldn't transfer again.
After about a month I get a letter from USAA notifying me that I had an overdraft and if I remain overdrawn for 30 days I may be reported to Telecheck, which might affect my credit report.
I quickly call USAA and they tell me that those $100 have been transferred to my friend 3 times and since I only had $100 in the account, I was overdrawn by $200 plus the overdraft fees.
After I explained that I had cancelled the transfer and this was done without my consent , the rep (supervisor) looked into and, indeed, confirmed that the transfer was cancelled and basically had no idea why this took place.
She refunded me the fees and told me that I have until March 1st to deposit funds toward the minus $200.
On February 26 I disbursed $400 from Paypal into USAA. In the interim (I guess that same day), my checking account was closed by USAA, the $400 were stuck in limbo for a few days and finally hit my USAA
savings account on March 1st, obviously only $200 hit the account and the remaining $200 went toward my overdraft.
A few days later I got a letter notifying me of the account closure and the fact that this is being reported to Telecheck.
I called them tonight and went over the whole story and the fact that, to begin with, the overdraft was not something I caused, and the fact that I was given till March 1st to deposit funds, I was talking to the wall. Asked for a supervisor and the guy was harsh as ever and of no help.
He said that I've been reported to Telecheck and now it will show as "paid the overdraft" but the entry will still be there.
Honestly, I don't care if they close me down so much, I mainly care about the Telechek entry, which could affect my credit report CH"V.
I asked them to speak to a superior and they set up a callback.
Did anyone ever have to deal with them on this level and can advise if there's someone who I can talk to?
Does anyone know if I can dispute the entry on Telecheck?
This whole Telechek thing is new to me as B"H I never had experience with bounced checks or overdrafts. How long does the entry stay there? Does it takeh make it to the credit report?
Any help/advice will be greatly appreciated.
