Rabobank Bank Account Or Service Complaint

Rabobank Bank account or service department,

Checking account Problems caused by my funds being low California

Starting - -, 2016 I started incurring overdraft fees due to insufficient funds available in my checking account. Between the dates of - - and - -, I incurred a total of - overdraft charges at $ -/piece for a total of $310.00. My banking institution, Rabobank N.A. was processing transactions even though my checking account was " overdrawn ''. Rabobank has taken 2 positions on this 1 : ) They claim I authorized an " opt in '' process that allows the processing of debit transactions regardless of available funds. 2 : ) I previously signed up for " Savings-Checking Overdraft Protection '' where funds are automatically transferred from my savings account to my checking account should the latter have the potential of being overdrawn.


where I signed or initialed authorizing Rabobank to process transactions resulting in my account being overdrawn resulting in fees assessed. - - could not provide me documentation where I signed or initialed any kind of " Opt In '' process. In fact, her only response was that " I must have told someone I wanted the " Opt In '' process. '' That is a completely unacceptable answer in my opinion. During my visit with - -, I asked that she change the " Opt-in '' process to " Opt-Out '' as I do not want to incur any more overdraft fees and do not have any reservations with debit transactions being denied at the merchant terminal should funds not be available. - - assured me that she did make the appropriate changes as requested. On - -, 2016 I incurred another overdraft charge of $35.00 as a result of the aforementioned " issue ''. The changes I requested were obviously not made. At this point I have incurred a total of - overdraft fees at $ -/ea. for a total of $350.00. I am requesting that all - of these fees be returned, or credited, to my account as I did not authorize Rabobank to process debit transactions when funds are not available or what they call the " Opt-In '' process.