I’ve had this problem similarly- small bill and actually a debt I did NOT incur.. I’m still fighting this. But they do have access to my bank(checking account) from when I paid on this bill (which I paid in full by the way and then this unauthorized charge occured) I dont keep much money in this checking account for a few reasons but it is a joint account and my DH’s second job paycheck is auto deposited every other Friday to this account which I then move it all to the “savings account” that is now attatched after the fact, which has a totally different number.
This is my question.. these people have my checking account numbers/info but that’s it. They dont have this other savings account info. So I guess my question is where do I stand? I realize they could take the checking account which is a joint account btw. But what about this savings account which is also a joint account btw. and what about the fact the the direct deposit does’nt come there by way of me but by way of my DH? I guess what I’m asking is how far can they really reach?
Go to the bank and CLOSE THE ACCOUNT. Then, if you want, open a different account. Speak to the Manager and eliminate the unauthorized access. That’s probably something that your bank would have to answer. You probably signed lots of “small print” documents when you opened the account. Who knows what all that says. Does that savings acct. protect the first acct. with overdraft protection?? Well, even if the acct. doesn’t have money, the savings acct. does, so they would take that as opposed to an overdraft, I would think. Personally I would do what has been suggested and close the account. Better safe than sorry!!
I am a bank officer. I say no, it wouldn’t, they’ve never been willingly given the savings acct no. by you, but I wouldn’t trust them at any cost. I have seen them try to do some crazy things. I was going to add that about the overdraft protection. Seriously, we close and open new accts for this reason all the time. Takes about 1/2 hour and saves you and the bank aLOT of headache.