ComplaintsforOhio Valley Bank Company
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Complaint Details
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Initial Complaint
03/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
I have an account that I opened that I never agreed or signed for over draft protection on, however they added it to my account and I have been charged over and over. I have made deposit and and asked for account to be closed. They refuse to close account stating I have a -.14 balance which I have record of the deposit so they will continue to charge me a 3.00 daily fee on. Never did anyone mention or did I sign anything agreeing to this. I should have only had to pay 219.69 for charges they paid that should have been declined if money was not on the account. But to get account closed I paid what I had to. I'd like reimbursement for thatBusiness response
03/18/2024
Please consider this to be our official response to the concern stated which was assigned by BBB an ID of ********.
We investigated the matter and based on ******* ********* comments and provided screenshots believe that bank personnel and automated systems handled transactions in the proper manner.******* claimed, “Never did anyone mention or did I sign anything agreeing to this,” referring to the bank’s overdraft practices and/or opt-in for ATM and everyday debit card transactions. However, on March 8, 2024, bank personnel sent ******* screenshots and log records from the online application proving acknowledgement of the bank’s “Bounce Protection Customer Overdraft Policy” as well as a “Yes” answer to the option, “I want Ohio Valley Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions from this account.” These disclosures and statements are prominently displayed within the application to open an account with action required by the applicant in order to agree and acknowledge.
The account has been in a negative balance for over a month and so overdraft charges were incurred as ******* reported. And even though the bank acted upon the account owner’s instructions at account opening in regards to payment of items, in an effort of goodwill, the bank refunded a total of $98.00 in overdraft fees on March 8.
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Customer Complaints Summary
1 total complaints in the last 3 years.
1 complaints closed in the last 12 months.