Complaints

• Initial Complaint

  04/19/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I made a deposit of $24.56 to cover an expense in my account but next day i received return fee of $37.00 and my item was sent back. called cust service who said they assumed it was because of time and that she was sending me to a branch manager (whom i found out was in florence) who stated that he would take care of fee because it was done before 8:00pm after i explained to him but he said i would have to receive a callback because he didn't know if it was sent back or not. I received a call i'm assuming from another branch manager (simpsonville location) who stated it had been sent back but he would get it paid. i was in negative which i made a deposit of $90.39 which would cover what the transaction was. couple hours went by did not see credit called cust service again who stated they would email branch manager and that if he said he would take care of it he would and she would call me back. it got closer to end of business day still heard nothing so i called back again and they transferred me back to simpsonville bank which he then told me he didn't know anything about a credit and that particular branch manager cannot make those decisions so i received another overdraft fee and the same for the next day even though i made a deposit of $73.69 to cover my expenses. Nobody can tell me what the time is for deposits and even though that day it shows i have a positive balance because of the deposits that i make by transfer they still are sending my items back and charging me more money. I have been charged $111.00 in total for fees by the bank because i was told a lie and its like they are not accepting my deposits even though it shows it right there on my ledger.

  Business response

  05/03/2022

  On behalf of First Reliance Bank, we appreciate the opportunity to respond to this complaint.  We have refunded $111 to Ms. ********’ account, as requested.  Our statement regarding the matter follows.  Ms. ******** transferred money from the peer-to-peer payment app, **** App.  Unfortunately, these transfers are not instant and can take 1-3 days to process before being credited to a checking account. As a result, charges or debits initiated by Ms. ******** posted to her checking account before the deposit(s) posted, resulting in an overdrawn balance and three overdraft fees totaling $111.   The refund of $111 to Ms. ********’ checking account was completed on May 2nd.  The Simpsonville branch manager called Ms. ******** on May 2nd to discuss the matter but has not received a return call from Ms. ********.  We apologize for any miscommunication and look forward to serving Ms. ******** in the future.  She can call the branch manager directly at (864) ******** or Customer Care at (888) ********.

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