A bank denied me an online checking and savings account, then charged me anyway! TWICE!?

Please bear with me, this is a little bit complicated. Two days ago I applied for an online special....open a free checking account AND a savings and get 4.79% interest on the savings account. I decided to put $50 in checking, and $50 in the savings using my debit card from my existing bank. Once finished with the application, the bank denied me (I suspect for a low credit score...they said they'd mail me a reason later based on the fair credit reporting act)...BUT they charged my account anyway...and double drafted me for each $50 taking a total of 200$ from my account. This caused an overdraft which they pulled from my savings and charged me $10 for that transaction. Needless to say I am livid. SO, I call my bank, they will not stop the charges without me trying to resolve it with the other bank first. So I call them, and they promise to have someone in authority of that department call me back within 24 hr, no call. So I call them, they promise to call back, no call. What to do? my current bank is wells fargo, the bank i tried to open the account with is Washington Mutual, a bank with a very good reputation in my area of Texas....I feel the website was legitimate, I plan to address the issue in person on monday at a local WaMu bank to see if they can help me resolve this before I go to the BBB, or Federal Trade commision or similar agency. Thanks to all!

Public Comments

1. If this a local bank, go in and ask for the branch manager. Or, report them to the regulator (state or federal depending on their charter) Ask them.
2. What bank was this, Please?
3. Visit them in person. Complain to the federal banking
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5. what bank is this? may be a scam? did you print anything in writing. i need a little more info
6. First, dye your hair, because it's probably turned gray by now. That is, if you haven't pulled it all out. Wow. I'm not sure what you should do. I think I would report the bad bank to the Better Business Bureau (alliteration not intentional, but rather inevitable). I would also talk to some one at the fairly decent bank re: what government agencies (or any other organizations) regulate banks against defrauding people; then contact whoever they recommend. When I Googled "bank consumer protection complaint," I found this site: http://www.federalreserve.gov/Pubs/agencies/default.htm Maybe that will help. If not, try other sites from that Google search or try other keyword combinations, such as "bank consumer law," etc. I also came across this site which posts consumer complaints: http://www.complaints.com/ I hope this helps and you get a resolution in your favor soon!