makedadproud
Member
It's been about a week since I've smoked and it's getting stressful. Money is that tight, can't currently grow cause of location. My wife overdrew her account so I went to try to deal with it online. Sorry that I'm posting here but I'm so angry I had to share with someone. My wife has tried doing things like this before but she always fails. The secret to getting ANYTHING with these people is being persistent. FYI, the comments about "illegal" are under the assumption that punitive damages that supersede a contract are not legal. I was trying (as is apparent) to get them to admit that they are penalizing me.
Just a bit of context - PNC (the bank in the chat log) received 7 BILLION dollars from the taxpayers to purchase National City Bank (who the account was originally with but the account merged over this past weekend). You'd think (actually you wouldn't) that they'd want to do everything possible to keep my business (and they make an offer but its "unacceptable"). Also, banks like to take pending charges and deduct the largest ones first as a "service" so that the most important transactions go through. This can cause multiple smaller charges to bounce instead of just one, which caused us to have 6 overdraft fees. Here is the text (identifying info removed)
Welcome to PNC Bank. This chat may be monitored for quality assurance purposes. A Financial Sales Consultant will be with you shortly.
You are now chatting with 'Andrew'. How may I assist you today?
you: I need these overdraft fees removed from my account. The bank purposely switched around when the charges posted to maximize the damage done to me.
you: This is unacceptable and the fees are illegal
Andrew: I would be happy to assist you with this. To dispute these charges, I will need to transfer this chat over to our customer service chat group. Is that ok?
you: do it
Andrew: One moment please...
Please wait while I transfer the chat to 'Andrea'.
You are now chatting with 'Andrea'. How may I assist you today?
Andrea: Hi, how can I help you?
you: I need these overdraft fees removed from my account. The bank purposely switched around when the charges posted to maximize the damage done to me.
you: this is unacceptable and the fees are illegal
Andrea: I can help you with that, could I have your checking account number or social security number please?
you: no you cant have my SSN. that is not safe
you: one min for checking account number
Andrea: I understand your concern, this is an encrypted chat.
you: checking # 000000000000
Andrea: And could I have your full name, please?
you: NAME NAME NAME
you: aka NAME NAME MAIDENNAME (was orig name on account)
Andrea: Okay, and would you happen to have your check book or debit card with you today, Ms NAME?
you: i'll have to find it, but you dont need it, you have my account information now.
Andrea: Yes, but I need to verify you as the account holder.
you: What else do ou need to know?
Andrea: If you have your check book, could I have the amount and company of a recent purchase, if you have the debit card, could I have the last five digits of the card and the expiration date, please?
you: ##### exp ##/##
Andrea: Thank you! Just to let you know, we pay items from the largest to smallest amount as often the largest amount is an important item, such as a mortgage payment or rent.
you: there are two overdraft item fees of $25 each and four overdraft item fees for $36 each. These will need to be removed immediately.
Andrea: I can certainly see what I can do, the most I may be able to refund is three of the fees. In the meantime, have you ever thought of applying for a line of credit or credit card for overdraft protection?
Andrea: I have not heard from you for a few moments. Are you still with me?
you: Stop trying to sell me stuff. You can remove all of them because they are ILLEGAL. You imposed PENALTIES upon me which has been ruled against by multiple courts as being illegal. I don't have the resources to continue to eat and go to work with this happening. I won't even be able to pay my rent this friday because of the negative balance, let alone anything else. I have never bounced a check on this account and this bank is running me through the mud.
you: UNACCEPTABLE
Andrea: It is not illegal for us to allow items to post from largest to smallest.
Andrea: And I am not trying to sell you anything, I was trying to help you find a secondary source of overdraft protection to help you.
you: It is illegal to charge me penalty fees. If i cannot get satisfaction here I will surely go to my local courthouse and file against the bank. I have documented proof that the bank changed around when items were posted to maximize damages done to my account
you: what does pnc charge for overdrafting the account?
you: each time?
Andrea: It will be 36.00 per transaction that cause the account goes overdrawan.
Andrea: *overdrawn.
you: why then are there two $25 overdraft fees posted on the 15th?
you: that is NOT 36 dollars
Andrea: Because it is based on instance. Since that was the first time the account was overdrawn, it was for 25. Since it was overdrawn again the next day and every time after it will be 36.00.
Andrea: Each business day debits are typically posted from highest to lowest. We made this process change thinking about our customers' needs and from feedback directly from them. Larger transactions that post to accounts tend to be transactions such as mortgage, car, or insurance payments. With these in mind, it was decided that it would be best to pay these larger transactions first, to ensure that they are paid, and if items needed to be returned, we would not be returning your more important transactions.
you: This is unacceptable. I need all 6 overdraft fees removed immediately. If you wont do this i need to know why.
Andrea: Because three fees is what I offered to help you with.
you: Well, remove the three fees and remove three more. If you can't do it, then go get a supervisor that can.
Andrea: I certainly understand your frustration, Ms NAME, but three fees is my final offer. A supervisor will not be able to grant you more.
you: I do not accept your offer because you are trying to ring me into accepting the fees.
you: i cant live on that little money!
Andrea: I understand, but that is what I offered to do to help you.
you: How is it helping me? why can you only remove three?
Andrea: Because that is how I feel would help you with your account.
you: That is not a real sentence. Clarify
Andrea: That is the offer I chose to make after reviewing your account.
you: So you COULD have offered more, but you aren't?
you: It was a choice?
Andrea: It was the best offer I could give you.
you: Why could you not do better? What is preventing it?
you: I don't think you understand. I will not be able to feed myself or have gas for work if these charges aren't removed.
Andrea: This is what I chose to help refund you regarding your recent account history and recent refund history.
you: I need every penny that I make.
Andrea: I understand, but this is my final offer.
you: What recent refund history? I have never received a refund on this account.
Andrea: Exactly, that was why I was able to determine what can be refunded.
you: So you are still telling me that what you are offering is by choice. You are telling me that you don't have any specific rule that won't let you remove all the items?
you: How do you specifically determine what can and cannot be refunded?
Andrea: By reviewing your account.
you: and?
Andrea: And based on the fact that there isn't a refund history, that three of the six fees is the best offer I can make you.
you: My account posts no such rules about anything, let alone that you can only remove three fees. I am going to be in a really bad position if I don't get all the money that I make, which is obvious by the fact that I don't have any savings.
you: Please
you: There will end up being more fees if I cant get these removed.
Andrea: I understand, but this is all that I can help you with.
you: Also, your bank does not incur a $36 debt or have to pay out that much when i overdraft, but you are charging me that much.
you: No i dont think you understand, Andrea.
you: Three fees being removed is unacceptable. I need them all removed.
Andrea: And three is all I am offering you.
you: I need to speak with a supervisor please.
Andrea: I can certainly get a supervisor to chat with you today, just a few minutes while I do.
you: Thank you.
Andrea: Absolutely, and is there anything else I can help you with before I get someone on chat to help you?
you: No.
Andrea: Okay, one moment.
Please wait while I transfer the chat to 'Markisha'.
You are now chatting with 'Markisha'. How may I assist you today?
you: Hello, i need the six overdraft charged made to my account removed please. I have never overdrawn on this account.
Markisha: Good Afternoon Ms.NAME I understand you wanted to talk further about your NSF fees?
you: If i have to pay out any extra money then I won't be able to get gas to go to work, pay my rent, or eat.
you: Then i will have MORE overdraft fees
you: "Andrea" told me that she could remove three of the charges based on a choice she made. Why can't I get all of them removed?
Markisha: I will be right with you.
Markisha: We can understand that she may have positioned it as a personal choice but it wasn't a personal choice she was extending to you the maximum amount of fees we would normally give when it's not a bank error. Based on your relationship with the bank and the situation that occurred.
you: Also, I have a "Notice of Insufficient Funds" letter that I received today....
you: the numbers on it do not match up with my online account and this proves that the bank is purposely moving around when things were charged to maximize the amount of damage done to me.
you: according to the website i should not have been charged one of the $25 fees but it's still on there.
Markisha: That notice is automatically sent when any account balance has fallen negative. I will tell you Ms.NAME we have always posted smallest to largest that has been our policy based on customer feedback since we have found the larger items are not normally payments for cars or possibly a mortgage. And I can understand that may not work for all consumers but we have to be consistent in the process so every day that how we post.
you: This is all unacceptable. I need to have all of the fees removed. If I cannot be satisfied then I will have to go to the local courthouse and file a complaint. These fees are imposed as penalties and that has been ruled on in multiple courts as being illegal.
Markisha: I can go over in detail if it's helpful what occurred on 06/15 that caused overdrafts.
you: You do not accrue $25-36 in debt when I overdraft. This is illegal.
Markisha: Ms.NAME we as employees also pay fees when we overdraw if that's what your asking. And we are more then willing to offer to refund 3 of the fees to you based on the situation and the new relationship you have.
you: I understand that I spent more than what I have. That is not debatable, but I cannot afford the fees and it will cause more fees if they aren't removed. I am not asking for much. I'm willing to pay you guys what I spent over, but to charge me $200 for less than $18 dollars over the course of two days and to also THREATEN ME in the letter with a $7 a day charge is outrageous.
you: I didnt ask anything about employees or imply anything of the sort. I'm just asking that the 3000% interest be removed.
Markisha: Now one thing I do show on your account is that you have two 4.00 charges for BMV so that caused 2 fees one for each item. Is this correct should you have to separate BMV charges?
you: Those charges were made a week ago via debit. It should have been removed immediately.
Markisha: Ms.NAME I do apologize I misunderstood what you were asking or implying about in your comment around the fees.
Markisha: At this point Ms.NAME what I can do is get you a refund processed for 3 of the fees. And in addition we can file a dispute if you should have only been billed once for 4.00 by BMV.
Markisha: And if the dispute is found in your favor we would refund another fee for that specific charge.
you: I am not disputing the two $4 fees to the BMV, i bought two driver records from them (which honestly should be free, but thats not for you to decide or rectify). I am disputing that charging me $36 dollars is outrageous and illegal. Are you disputing the FACT that it's illegal?
3 min wait
Markisha: I'm sorry for the delay. I'll be right with you.
3 more minutes - at this point there is about a 2 minute lag from when i type and she does.
Markisha: What I am saying is that we are within policy to charge a fee for every item that causes overdraft on any account. And we will only charge up to 4 NSF fees per day.
you: Policy is not law.
Markisha: And this process is not illegal and we can go over a few overdraft options that we offer like auto alerts or auto transfer to build a saving for overdraft.
Markisha: If that is helpful
you: Tell me, is the overdraft fee a penalty for overdrafting my account?
Markisha: The overdraft fee includes several things. One of which is the cost of the liability that can be involved when customers receive goods or services when the balance isn't sufficient enough to cover the charge once it post by the vendor.
you: Please answer my question. Is the overdraft fee a penalty for overdrafting my account?
you: A yes or no will suffice.
Markisha: And we have recently implemented a process to help customers to opt In or opt out of exceeding a balance by a debit card purchase or at the ATM. This will start around August 15th.
you: Is the overdraft fee a penalty for overdrafting my account?
Markisha: Ms.NAME I did my best to answer that question honestly and we have been talking about the overdraft for some time now. At this point we can offer the three refunds to you based on this situation but were not going to attempt to further frustrate this situation by going back and forth about the policy. So If you want to go over any other concerns I'm here to do that with you. But the process is current and legal and I can't negotiate that.
you: Im not asking you to negotiate the legality right now. I just want to know if the overdraft fee is a penalty for overdrafting my account. Please answer my question.
you: You are purposely avoiding my question
Markisha: Thank you for waiting. I'll be with you in just a moment.
Markisha: Ms.NAME so you have something that you would to address in getting this specific answer cause I can work to address that concern. If not then I'm going to have to ask that you let me know if you want me to process that refund of 3 fees and this issue will be considered resolved. But I will not spend more of your valuable time going between one another when I have done my best to answer your concerns.
Markisha: *if
you: I have all the time in the world right now because my livelihood depends on resolving this situation fully.
you: Please answer the question.
you: Your refusal to answer my question makes me think that PNC has something to hide.
Markisha: Ms.NAME I can appreciate that you have time free this afternoon but I will be disconnecting his chat cause we do need to be free to assist other customers if your not ready to bring this concern to resolution.
you: I am ready to bring it to resolution, but you are holding this process up by your refusal to answer a SIMPLE YES OR NO question.
Markisha: Ms.NAME is your concern the fee refund?
you: My concern is 6 fees.
you: not three.
Markisha: Great then what we can offer is to meet you half way with 3 fees that would be our final offer to assist in this situation. If you accept that I would be happy to process these but that is al we can do at this time.
you: That is unacceptable.
you: I can't afford that and you are exasperating the situation.
Markisha: Then Ms.NAME you can further address your concerns in writing or at the branch we can not help you any further. I'm very sorry
you: You have been no help. I will be filing a complaint with my local prosecutor against your bank.
Markisha: I will be disconnecting this chat with you. Based on the conversation that we have had today. If you at some point within the next 24 hours decide that the 3 fees are reasonable for you lease feel free to call us back. After the 24 hours we cannot any longer honor Andreas offer of the 3 fees.
Markisha: I have noted your account so that you can call back if needed and I will be disconnecting this chat.
you: Again, proving that you have a choice in the matter. Your bank policy is illegal.
you: Goodbye
Just a bit of context - PNC (the bank in the chat log) received 7 BILLION dollars from the taxpayers to purchase National City Bank (who the account was originally with but the account merged over this past weekend). You'd think (actually you wouldn't) that they'd want to do everything possible to keep my business (and they make an offer but its "unacceptable"). Also, banks like to take pending charges and deduct the largest ones first as a "service" so that the most important transactions go through. This can cause multiple smaller charges to bounce instead of just one, which caused us to have 6 overdraft fees. Here is the text (identifying info removed)
Welcome to PNC Bank. This chat may be monitored for quality assurance purposes. A Financial Sales Consultant will be with you shortly.
You are now chatting with 'Andrew'. How may I assist you today?
you: I need these overdraft fees removed from my account. The bank purposely switched around when the charges posted to maximize the damage done to me.
you: This is unacceptable and the fees are illegal
Andrew: I would be happy to assist you with this. To dispute these charges, I will need to transfer this chat over to our customer service chat group. Is that ok?
you: do it
Andrew: One moment please...
Please wait while I transfer the chat to 'Andrea'.
You are now chatting with 'Andrea'. How may I assist you today?
Andrea: Hi, how can I help you?
you: I need these overdraft fees removed from my account. The bank purposely switched around when the charges posted to maximize the damage done to me.
you: this is unacceptable and the fees are illegal
Andrea: I can help you with that, could I have your checking account number or social security number please?
you: no you cant have my SSN. that is not safe
you: one min for checking account number
Andrea: I understand your concern, this is an encrypted chat.
you: checking # 000000000000
Andrea: And could I have your full name, please?
you: NAME NAME NAME
you: aka NAME NAME MAIDENNAME (was orig name on account)
Andrea: Okay, and would you happen to have your check book or debit card with you today, Ms NAME?
you: i'll have to find it, but you dont need it, you have my account information now.
Andrea: Yes, but I need to verify you as the account holder.
you: What else do ou need to know?
Andrea: If you have your check book, could I have the amount and company of a recent purchase, if you have the debit card, could I have the last five digits of the card and the expiration date, please?
you: ##### exp ##/##
Andrea: Thank you! Just to let you know, we pay items from the largest to smallest amount as often the largest amount is an important item, such as a mortgage payment or rent.
you: there are two overdraft item fees of $25 each and four overdraft item fees for $36 each. These will need to be removed immediately.
Andrea: I can certainly see what I can do, the most I may be able to refund is three of the fees. In the meantime, have you ever thought of applying for a line of credit or credit card for overdraft protection?
Andrea: I have not heard from you for a few moments. Are you still with me?
you: Stop trying to sell me stuff. You can remove all of them because they are ILLEGAL. You imposed PENALTIES upon me which has been ruled against by multiple courts as being illegal. I don't have the resources to continue to eat and go to work with this happening. I won't even be able to pay my rent this friday because of the negative balance, let alone anything else. I have never bounced a check on this account and this bank is running me through the mud.
you: UNACCEPTABLE
Andrea: It is not illegal for us to allow items to post from largest to smallest.
Andrea: And I am not trying to sell you anything, I was trying to help you find a secondary source of overdraft protection to help you.
you: It is illegal to charge me penalty fees. If i cannot get satisfaction here I will surely go to my local courthouse and file against the bank. I have documented proof that the bank changed around when items were posted to maximize damages done to my account
you: what does pnc charge for overdrafting the account?
you: each time?
Andrea: It will be 36.00 per transaction that cause the account goes overdrawan.
Andrea: *overdrawn.
you: why then are there two $25 overdraft fees posted on the 15th?
you: that is NOT 36 dollars
Andrea: Because it is based on instance. Since that was the first time the account was overdrawn, it was for 25. Since it was overdrawn again the next day and every time after it will be 36.00.
Andrea: Each business day debits are typically posted from highest to lowest. We made this process change thinking about our customers' needs and from feedback directly from them. Larger transactions that post to accounts tend to be transactions such as mortgage, car, or insurance payments. With these in mind, it was decided that it would be best to pay these larger transactions first, to ensure that they are paid, and if items needed to be returned, we would not be returning your more important transactions.
you: This is unacceptable. I need all 6 overdraft fees removed immediately. If you wont do this i need to know why.
Andrea: Because three fees is what I offered to help you with.
you: Well, remove the three fees and remove three more. If you can't do it, then go get a supervisor that can.
Andrea: I certainly understand your frustration, Ms NAME, but three fees is my final offer. A supervisor will not be able to grant you more.
you: I do not accept your offer because you are trying to ring me into accepting the fees.
you: i cant live on that little money!
Andrea: I understand, but that is what I offered to do to help you.
you: How is it helping me? why can you only remove three?
Andrea: Because that is how I feel would help you with your account.
you: That is not a real sentence. Clarify
Andrea: That is the offer I chose to make after reviewing your account.
you: So you COULD have offered more, but you aren't?
you: It was a choice?
Andrea: It was the best offer I could give you.
you: Why could you not do better? What is preventing it?
you: I don't think you understand. I will not be able to feed myself or have gas for work if these charges aren't removed.
Andrea: This is what I chose to help refund you regarding your recent account history and recent refund history.
you: I need every penny that I make.
Andrea: I understand, but this is my final offer.
you: What recent refund history? I have never received a refund on this account.
Andrea: Exactly, that was why I was able to determine what can be refunded.
you: So you are still telling me that what you are offering is by choice. You are telling me that you don't have any specific rule that won't let you remove all the items?
you: How do you specifically determine what can and cannot be refunded?
Andrea: By reviewing your account.
you: and?
Andrea: And based on the fact that there isn't a refund history, that three of the six fees is the best offer I can make you.
you: My account posts no such rules about anything, let alone that you can only remove three fees. I am going to be in a really bad position if I don't get all the money that I make, which is obvious by the fact that I don't have any savings.
you: Please
you: There will end up being more fees if I cant get these removed.
Andrea: I understand, but this is all that I can help you with.
you: Also, your bank does not incur a $36 debt or have to pay out that much when i overdraft, but you are charging me that much.
you: No i dont think you understand, Andrea.
you: Three fees being removed is unacceptable. I need them all removed.
Andrea: And three is all I am offering you.
you: I need to speak with a supervisor please.
Andrea: I can certainly get a supervisor to chat with you today, just a few minutes while I do.
you: Thank you.
Andrea: Absolutely, and is there anything else I can help you with before I get someone on chat to help you?
you: No.
Andrea: Okay, one moment.
Please wait while I transfer the chat to 'Markisha'.
You are now chatting with 'Markisha'. How may I assist you today?
you: Hello, i need the six overdraft charged made to my account removed please. I have never overdrawn on this account.
Markisha: Good Afternoon Ms.NAME I understand you wanted to talk further about your NSF fees?
you: If i have to pay out any extra money then I won't be able to get gas to go to work, pay my rent, or eat.
you: Then i will have MORE overdraft fees
you: "Andrea" told me that she could remove three of the charges based on a choice she made. Why can't I get all of them removed?
Markisha: I will be right with you.
Markisha: We can understand that she may have positioned it as a personal choice but it wasn't a personal choice she was extending to you the maximum amount of fees we would normally give when it's not a bank error. Based on your relationship with the bank and the situation that occurred.
you: Also, I have a "Notice of Insufficient Funds" letter that I received today....
you: the numbers on it do not match up with my online account and this proves that the bank is purposely moving around when things were charged to maximize the amount of damage done to me.
you: according to the website i should not have been charged one of the $25 fees but it's still on there.
Markisha: That notice is automatically sent when any account balance has fallen negative. I will tell you Ms.NAME we have always posted smallest to largest that has been our policy based on customer feedback since we have found the larger items are not normally payments for cars or possibly a mortgage. And I can understand that may not work for all consumers but we have to be consistent in the process so every day that how we post.
you: This is all unacceptable. I need to have all of the fees removed. If I cannot be satisfied then I will have to go to the local courthouse and file a complaint. These fees are imposed as penalties and that has been ruled on in multiple courts as being illegal.
Markisha: I can go over in detail if it's helpful what occurred on 06/15 that caused overdrafts.
you: You do not accrue $25-36 in debt when I overdraft. This is illegal.
Markisha: Ms.NAME we as employees also pay fees when we overdraw if that's what your asking. And we are more then willing to offer to refund 3 of the fees to you based on the situation and the new relationship you have.
you: I understand that I spent more than what I have. That is not debatable, but I cannot afford the fees and it will cause more fees if they aren't removed. I am not asking for much. I'm willing to pay you guys what I spent over, but to charge me $200 for less than $18 dollars over the course of two days and to also THREATEN ME in the letter with a $7 a day charge is outrageous.
you: I didnt ask anything about employees or imply anything of the sort. I'm just asking that the 3000% interest be removed.
Markisha: Now one thing I do show on your account is that you have two 4.00 charges for BMV so that caused 2 fees one for each item. Is this correct should you have to separate BMV charges?
you: Those charges were made a week ago via debit. It should have been removed immediately.
Markisha: Ms.NAME I do apologize I misunderstood what you were asking or implying about in your comment around the fees.
Markisha: At this point Ms.NAME what I can do is get you a refund processed for 3 of the fees. And in addition we can file a dispute if you should have only been billed once for 4.00 by BMV.
Markisha: And if the dispute is found in your favor we would refund another fee for that specific charge.
you: I am not disputing the two $4 fees to the BMV, i bought two driver records from them (which honestly should be free, but thats not for you to decide or rectify). I am disputing that charging me $36 dollars is outrageous and illegal. Are you disputing the FACT that it's illegal?
3 min wait
Markisha: I'm sorry for the delay. I'll be right with you.
3 more minutes - at this point there is about a 2 minute lag from when i type and she does.
Markisha: What I am saying is that we are within policy to charge a fee for every item that causes overdraft on any account. And we will only charge up to 4 NSF fees per day.
you: Policy is not law.
Markisha: And this process is not illegal and we can go over a few overdraft options that we offer like auto alerts or auto transfer to build a saving for overdraft.
Markisha: If that is helpful
you: Tell me, is the overdraft fee a penalty for overdrafting my account?
Markisha: The overdraft fee includes several things. One of which is the cost of the liability that can be involved when customers receive goods or services when the balance isn't sufficient enough to cover the charge once it post by the vendor.
you: Please answer my question. Is the overdraft fee a penalty for overdrafting my account?
you: A yes or no will suffice.
Markisha: And we have recently implemented a process to help customers to opt In or opt out of exceeding a balance by a debit card purchase or at the ATM. This will start around August 15th.
you: Is the overdraft fee a penalty for overdrafting my account?
Markisha: Ms.NAME I did my best to answer that question honestly and we have been talking about the overdraft for some time now. At this point we can offer the three refunds to you based on this situation but were not going to attempt to further frustrate this situation by going back and forth about the policy. So If you want to go over any other concerns I'm here to do that with you. But the process is current and legal and I can't negotiate that.
you: Im not asking you to negotiate the legality right now. I just want to know if the overdraft fee is a penalty for overdrafting my account. Please answer my question.
you: You are purposely avoiding my question
Markisha: Thank you for waiting. I'll be with you in just a moment.
Markisha: Ms.NAME so you have something that you would to address in getting this specific answer cause I can work to address that concern. If not then I'm going to have to ask that you let me know if you want me to process that refund of 3 fees and this issue will be considered resolved. But I will not spend more of your valuable time going between one another when I have done my best to answer your concerns.
Markisha: *if
you: I have all the time in the world right now because my livelihood depends on resolving this situation fully.
you: Please answer the question.
you: Your refusal to answer my question makes me think that PNC has something to hide.
Markisha: Ms.NAME I can appreciate that you have time free this afternoon but I will be disconnecting his chat cause we do need to be free to assist other customers if your not ready to bring this concern to resolution.
you: I am ready to bring it to resolution, but you are holding this process up by your refusal to answer a SIMPLE YES OR NO question.
Markisha: Ms.NAME is your concern the fee refund?
you: My concern is 6 fees.
you: not three.
Markisha: Great then what we can offer is to meet you half way with 3 fees that would be our final offer to assist in this situation. If you accept that I would be happy to process these but that is al we can do at this time.
you: That is unacceptable.
you: I can't afford that and you are exasperating the situation.
Markisha: Then Ms.NAME you can further address your concerns in writing or at the branch we can not help you any further. I'm very sorry
you: You have been no help. I will be filing a complaint with my local prosecutor against your bank.
Markisha: I will be disconnecting this chat with you. Based on the conversation that we have had today. If you at some point within the next 24 hours decide that the 3 fees are reasonable for you lease feel free to call us back. After the 24 hours we cannot any longer honor Andreas offer of the 3 fees.
Markisha: I have noted your account so that you can call back if needed and I will be disconnecting this chat.
you: Again, proving that you have a choice in the matter. Your bank policy is illegal.
you: Goodbye
...My goal in posting this reply was to take even more of krunch's time...
I'm friggen 19 years old and I don't even KNOW anyone who's struggling to find a job TOO bad. I mean, yeah it takes some people a WEE bit of time, but shit dude countless applications with ZERO fucking interviews? Yer doin' something wrong my man...maybe it has something to do with that 'tude? 
