I have had a bank account for approximately 12 years. This bank was purchased by Wesbanco this year. This Fall, I added my fiance to the account. Apparently, he had a bad loan with the original bank from 2002. This did not show up on his credit report in the 3 years that I have known him. On October 28th, 2008, I received a letter from Wesbanco dated October 22nd stating that he owed $1,049 from a loan and that we had 15 days to reply to work a payment schedule out. On November 4th, this bank deducted $1,464.55 from my account (I also have my mothers' name on my account). My fiance tried to call the number on the letter on November 5th (he did this on his cell phone and we have proof as this call shows up from his line) and left a message on the letterwriter's extension. I just happened to check my account balance on November 6th and was mortified that I was $453 in the negative. Upon listening to the debits, I realized what had happened as I did not debit this amount. My fiance called the bank once again and spoke with the supervisor who stated that he had approved the withdrawal of the funds on November 4th. My fiance explained that he had tried calling the day before and had left a message with his subordinate. He also questioned why funds were withdrawn before the 15 days as the letter had stated, that the day they were having this conversation was still before the 15 day deadline and asked why an additional $415 was withdrawn. The supervisor stated that he did this action because he could and that if my fiance had really cared about this matter then he would have settled his debt long ago. The conversation ended. Upon my hearing this conversation, I had my fiance call the supervisor back and tell him what he had done was illegal and that if he did not make this right and at the very least return the additional $415 and any charges accrued by this illegal deduction, we would begin taking action first withdrawing all of our money from several accounts I have there. The supervisor agreed and did return the $415 and a $33 fee. However, I still am unhappy with the way this incident occurred. I called and spoke with the supervisors' boss today (November 13th) and explained all of this. This gentleman stated that he would get back with me tomorrow. Am I in a position to demand at the very least, the return of the $1,049 for the way that this happened? Also, are they allowed to withdraw the money he owed from an account with 2 other individual's names on the account? Do we have a case? What do you recommend? Your assistance is greatly appreciated.
Brandy HaynesAlso, I am located in Ohio and if I do need a lawyer, what area of legal practice do I seek help?