Santander Bank US Bank Account Or Service Complaint

Santander Bank US Bank account or service department,

Checking account Problems caused by my funds being low Massachusetts

I opened a bank account with Santander a few years ago. I very explicitly requested my account set up so it could never overdraft and would decline if a charge exceeded my balance. Later, I noticed on my bank statement that my account had over drafted and I 'd been charged $35.00 fine. That happened multiple times and each time I went to the bank I was told it would never happen again. Eventually someone was able to fix it so that I did n't have problems with that anymore. I have been living abroad for several months and have been charged $20.00 every time I use my card. On -/-/-, I went to withdraw money, only to discover that my account was negative a -, thanks to a $330.00 charge that went through on -/-/-. I contacted the bank to find out why the charge had been allowed to go through, even though it over-drafted my account. Then, a scheduled monthly bill ( student loan ) for $38.00 ( - what the amount was supposed to be ) was allowed to go through and overdraft the account. On top of allowing it to go through, against my express request


acknowledged that I had opened my account with him and explicitly requested it not allow for overdrafts, had come in on multiple occasions to complain when they allowed overdrafts ( and each time was told it would n't happen ). He told me, I am researching why some transactions are permitted, even though you have opted out of allowing overdrafts. I suspect that the answer will be that our systems work in the US, but that international transactions do n't go through the same verification process, so they go through. The $200.00 debit card authorization is still pending, and I can see no more than you do. Often, transactions that stay pending for more than a day evaporate. We do n't have any way to block or freeze pending transactions. '' I was still held responsible for the money that overdrafted my account. I 'm currently in - and have no means of accessing money, except through this account. Had I known that the $330.00 expenditure would over-draft my account and send it - into a negative balance, I never would have made the purchase. However, I did n't realize, so the payment went through and I was held responsible, even though, as aforementioned, I had repeatedly requested that never be allowed. Furthermore, the $200.00 dollar authorization did evaporate '' after a few days, but only temporarily. Yesterday, I tried to make a payment online, but it was declined. When I looked at my bank statement online, it said it had overdrafted due to a $200.00 charge from -/-/-. That charge vanished from the list of authorizations and charges a week before, only to somehow reappear and over-draft the account. I emailed - again, and was told I filed that all-debit opt out on -/-/2015 - you had previously had a general opt out which is not as comprehensive as the all-debit opt out, and it was clear from our email conversation that you wanted the all-debit opt out. On -/-/-, you used your debit card for a $200.00 purchase. The merchant apparently did not process the transaction for ten days, which is unusually long, but, because the transaction was done before -/-/-, it went through. '' Again, that charge had evaporated '' from the list of authorizations, only to reappear as a new charge that went through and overdrafted the account. The $200.00 charge overdrafted my account $100.00. I very clearly expressed repeatedly that I wanted to opt-out of overdraft completely many times, because I do not have a lot of money and want my card to be declined if I do n't have enough funds for it.