Checking or savings account -- Problem caused by your funds being low -- Complaint #6477155
Complaint Overview
Complaint ID: 6477155
Company: First Interstate Bancsystem, INC.
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Montana
ZIP Code: 590XX
Date Received: 2023-01-23T12:00:00-05:00
Date Sent to Company: 2023-01-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
had multiple items clear my checking account that had no available funds or overdraft protection called the bank on XXXX XXXX XXXX and spoke with XXXX in the call center who was unable to explain how the items were cleared causing a negative checking balance as well as multiple overdraft charges these are items that i did not authorize and have never been paid in the past when using only a debit card since XXXX was unable to explain to me she transferred me to XXXX at the XXXX branch who told me those funds would clear since i authorized the payment i asked how the funds would clear since i didnt authorize the bank to clear them and now i am stuck with almost XXXX XXXX dollars in overdraft fees on top of the items that clear putting my account at over XXXX XXXX dollars in the negative again she couldn't explain just asked me if i was interested in an overdraft account which i advised i was not i just wanted to know how the funds cleared and she kept asking me if i was authorizing the overdraft fees which made me laugh because why would i finally i explained my frustration and asked for the overdraft fees to be returned and she told me since the items were paid i owed the fees then told me i do have an overdraft of XXXX XXXX dollars but couldnt tell me when i signed up for it i have had a good account and only use it for personal transactions but i feel that once again no one is able to explain after i have not had any incidences on my checking account for some time XXXX could only go back to XXXX where a gas station charge was made and the following day a deposit was made so no overdraft charge was made she explained the overdraft charges i received last week were due to the account not having a balance and in the negative for a few days i told her i knew that thats why i am calling but not getting anyone to tell me how it happened i am hoping this gets to the correct person because i have tried to handle this directly with the bank before making this complaint
Frequently Asked Questions
What is Complaint #6477155 about?
Complaint #6477155 was filed against First Interstate Bancsystem, INC. regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2023-01-23T12:00:00-05:00.
How did First Interstate Bancsystem, INC. 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 First Interstate Bancsystem, INC.?
Yes, visit the First Interstate Bancsystem, INC. company profile at readthecomplaint.com/company/first-interstate-bancsystem-inc 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.