Checking or savings account -- Problem caused by your funds being low -- Complaint #6170511
Complaint Overview
Complaint ID: 6170511
Company: Hancock Whitney Bank
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Mississippi
ZIP Code: XXXXX
Date Received: 2022-11-05T12:00:00-05:00
Date Sent to Company: 2022-11-05T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
While this incident has happen several times I just started to keep track of this. In several occasions Ive made transfers to my checking count from another in house checking account to cover an overdraft and the following day I am still charged a fee. On XX/XX/2022 I made a transfer of {$15.00} at XXXX to cover an overdraft. Ive been told on several occasions that the cut off time is XXXX cst. I still received a fee the following day. This fee was refunded but it was only because of a manager. After that this happened several more times. Just recently there was some fraudulent transactions on my account and after I was refunded the funds back on XX/XX/2022 I was charged a {$36.00} fee for sustaining a negative balance even though it was negative due to fraud. On XX/XX/2022 I made a deposit of {$650.00} which made my balance XXXX. XX/XX/2022 There was a transaction for {$100.00} to XXXX XXXX, {$210.00} to XXXX, and XXXX XXXX for XXXX and it left me with a balance of {$68.00} per the mobile banking website which was incorrect. On XX/XX/2022 I woke up to a negative balance and 2 NSF fee when my posted balance says {$580.00}. The representative said there was a transaction for {$570.00} that tried to come through but that doesnt reflect on the mobile banking. When I asked her why cant I see the transactions she said I need to go into a branch and talk to a manager. When I explained even if the {$570.00} was coming out the balance is {$580.00} that doesnt explain the fees. She had no response. Whitney Hancock has done this on so many occasions XXXX cant even count. Monday morning I am going to close my accounts and go to another bank that isnt predatory.
Frequently Asked Questions
What is Complaint #6170511 about?
Complaint #6170511 was filed against Hancock Whitney Bank regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2022-11-05T12:00:00-05:00.
How did Hancock Whitney Bank respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Hancock Whitney Bank?
Yes, visit the Hancock Whitney Bank company profile at readthecomplaint.com/company/hancock-whitney-bank to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.