Tips on how to go about challenging a bank charge - WAFF-TV: News, Weather and Sports for Huntsville, AL

Tips on how to go about challenging a bank charge

If you have a charge on your bank account that you feel is not legitimate, there are a lot of options for you to take in order to resolve the issue. These tips come courtesy of eHow.

All tips can be read here.

  1. Print out all emails and online bank statements that relate to the disputed charge. Save any snail-mail correspondence as well, and refer to it when you call or visit the bank.

  2. State why you think the charge is unfair or unwarranted. Do your research before approaching the bank's representative.

  3. Read the booklet you received when you opened your account and check the rules on the bank's website. Then check the banking rules for institutions in your particular state. Back up your complaints with facts.

  4. Remain calm but firm when speaking with the bank's representative. Hold your ground and ask to speak to a manager if the first person you speak with can't resolve the problem.

  5. Ask other bank customers if they have experienced the same excessive or incorrect charges. If other bank customers have endured the same problem, you will have better leverage when disputing your charge.

  6. File a complaint about the bank with the Federal Reserve Board or your state's Department of Banking if the problem is still unresolved. This is a last resort.

  7. Always contact another manager at the bank until you have spoken to every bank representative who is authorized to resolve the matter.
  • NewsMore>>

  • Lauren: Tracking more storms Thursday

    Lauren: Tracking more storms Thursday

    Tuesday, March 28 2017 8:03 AM EDT2017-03-28 12:03:33 GMT
    Source: WAFFSource: WAFF

    The last bit of the lingering rain will push south of the Valley this morning. Cloud cover will also begin breaking up, allowing temperatures to warm into the upper 70s. ?

    More >>

    The last bit of the lingering rain will push south of the Valley this morning. Cloud cover will also begin breaking up, allowing temperatures to warm into the upper 70s. ?

    More >>
  • Sheffield Fire Department struggling with high turnover rate

    Sheffield Fire Department struggling with high turnover rate

    Tuesday, March 28 2017 7:21 AM EDT2017-03-28 11:21:06 GMT
    Source: WAFFSource: WAFF

    Our news gathering partner at the Decatur Times Daily reports the city of Sheffield in Colbert County is dealing with a staffing shortage in their fire department.  Fire Chief Dewey King, who is also the city's public safety director, says that low wages are contributing to a high turnover rate. 

    More >>

    Our news gathering partner at the Decatur Times Daily reports the city of Sheffield in Colbert County is dealing with a staffing shortage in their fire department.  Fire Chief Dewey King, who is also the city's public safety director, says that low wages are contributing to a high turnover rate. 

    More >>
  • DeKalb County Sheriff's Office will open Saturdays

    DeKalb County Sheriff's Office will open Saturdays

    Tuesday, March 28 2017 6:00 AM EDT2017-03-28 10:00:45 GMT
    Source: WAFFSource: WAFF
    Beginning Saturday, April 1,  DeKalb County Sheriff's Office will be open from 8 a.m. through 3:45 p.m. for people to pick up reports and renew their pistol permits.  "For the past couple of years we have been working on opening the office on Saturdays to accommodate the people who are unable to make it to the office during our regular office hours," Sheriff Jimmy Harris said.   "We feel like this will help people who are unable to make it down her...More >>
    Beginning Saturday, April 1,  DeKalb County Sheriff's Office will be open from 8 a.m. through 3:45 p.m. for people to pick up reports and renew their pistol permits.  "For the past couple of years we have been working on opening the office on Saturdays to accommodate the people who are unable to make it to the office during our regular office hours," Sheriff Jimmy Harris said.   "We feel like this will help people who are unable to make it down her...More >>
Powered by Frankly