ComplaintsforFirst Southern State Bank

• Initial Complaint

  07/25/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  6/30 the fraud dept of fssb called at 7:53am asking if 5 charges were mine to a ******* Wireless. That 2 charges went through totalling a little over $800. That they are blocking my card and I need to call the bank when they open to report fraud and get my money back. I filed a report with the BBB later against *******. I even called ******* and spoke w a ****** in their security department. She even called back saying they can't do anything but to let me know money went to Nigeria and to have my bank help me. Yesterday 7/20 my local branch bank manager called Ms. ***** telling me the fraud department doesn't consider it fraud that I gave my card willingly. Mind you ******* is in Washington I'm in Alabama, I have a local job and during this time my Dad has been in and out of hospitals and seeing doctors. That when I spoke with bookkeeping before yesterday multiple times before **** had told me that I was not the only victim at our bank that 5 other people were hacked. That 2 other people were given their money back. The bank told me I have to pay it back and that our bank doesn't protect us for things like this I verified with the fraud dept and the main office that they used my debit card as a credit card and everything I've been looking up is that I'm protected through the fdic. Bank says no and told me to call ******* and raise Caine to get money back and that they will give me a couple days and then overdraft my account of the 800+ dollars. I have bills take care of 2 kids, schools starting. I have had to work through this lockdown during the pandemic I work 12 hour days I have to use a debit card to pay things that I can't get to cause they are only open during the day like utilities insurance. I even canceled my Amazon account and it helped get me things I haven't been able to get at the store and now I have to pay for being hacked!!!!

  

  Business response

  08/05/2022

  ******* ****** received a provisional credit in the amount of a deposit of $805.99 to her account on 7/5/22 as evidenced by the attached statement.  She then was granted permanent credit on 7/22/22. 

  In our experience, ******* has given customers back their money in the past.  Our associate, ***** did instruct Ms. ****** to please call the company and try to get her money back from them and IF she did, the bank would be able to recover our loss. 
  

  We are puzzled by this complaint as Ms. ****** received ALL of her money back the second business day after it posted to her account.  

  First Southern does not have an employee named **** in our Bookkeeping Department.  

  Customer response

  08/09/2022

  Better Business Bureau:
  I contacted ******* several times,  the day it happened I spoke with ******.   They told me the money went to Nigeria.  Then ******* who gave me an email to send a request and got a response that they can't help me.  Then last ****** who in chat called himself Ron.  The bank told me in 7/22 I had to pay it back.  Then I threw a fit and called and chatted with *******.  MS. **** information is upsetting making it sound like the bank didn't tell me any of this and I have the emails and screen shots of the online chat.  I offered to go to the police and Ms. ***** said no need.  And st the end of July I was told by Ms. ***** and Ms. ***** that they didn't see it as fraud on my end.  So I got upset they wouldn't tell me who the other people that got their money back who they spoke with.  Then the last conversation with ******* was that they did not get a claim specifically with my information and asked that the bank needs to resubmit.  I told Ms. ***** that and she told me they get charged and too much that they are going to credit it but it's the last time.   I'm a nervous wreck wondering if I can trust the bank.  Everything is electronic they don't want to make paper checks to pay and being a truck driver it's hard to get around.  They make me feel anxious and that's not how to treat people  I tried multiple times to get the money back and that's hard when you can't be on the phone and dealing with a dad sick and a family I had to sit hours on the phone and online to try .  They need to know how upsetting this was.

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  

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