Checking or savings account -- Problem caused by your funds being low -- Complaint #8010137
Complaint Overview
Complaint ID: 8010137
Company: Northwest Bancshares INC
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Late or other fees
State: Pennsylvania
ZIP Code: 163XX
Date Received: 2023-12-15T12:00:00-05:00
Date Sent to Company: 2023-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
on XX/XX/2023, Northwest Bank Routing number XXXX XXXX, PA. Northwest used Right of Offset on a Joint Account without my knowledge ( I was not the at-fault account holder ). I called an explained the situation and the supervisor, XXXX, said it's their right to obtain their money anyway possible, even if it causes overdraft fees. The amount they took out was over half of what was in the account, less than {$1000.00} in account at the time. He didn't care and said if the autopay bills overdraft, I will be responsible for those fees as well. I explained I was not notified of any Right of Offset and he said I will be receiving notification in 3-5 business days AFTER the fact. I asked why I wasn't notified because I am an account holder, and he said the business is with the other party and I'm not subject to that information. This is unethical! I should be notified of any penalties BEFORE any actions are assessed. I wasn't given a chance to get my name off the account or any other action. Furthermore, I was not aware of the other account holder 's delinquency with a previous account. This should not be allowed by ANY institution. I feel victimized in this process and will now be held liable for any additional fees the bank decided to help themselves in obtaining KNOWING FULL WELL the Right of Offset would cause the account to become delinquent. I was not treated fairly, with respect, as a member in good standing, or as a citizen of the US. If the bank has issues with the other account holder, those issues should have been handled in a different manner and leave me out of it. Now, I'm out over {$500.00} and probably more. To be clear, XXXX basically said too bad, take the money out of another account if you don't want more fees. This is unprofessional and unethical.
Frequently Asked Questions
What is Complaint #8010137 about?
Complaint #8010137 was filed against Northwest Bancshares INC regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2023-12-15T12:00:00-05:00.
How did Northwest Bancshares INC respond to this complaint?
The company responded with: "Closed with explanation". 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 Northwest Bancshares INC?
Yes, visit the Northwest Bancshares INC company profile at readthecomplaint.com/company/northwest-bancshares-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.