Consumer complaint received 2022-05-31
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My dispute with Peoples United Bank : In XX/XX/XXXX I noticed a XXXX transaction hitting my checking account for {$69.00}. As I didnt make any recent purchase via XXXX and there was no merchant associated with the charge I started to investigate. I traced the charge of {$69.00} monthly on the XXXX  to XXXX then from XX/XX/XXXX to XX/XX/XXXX on the XXXX of the month the charge was {$64.00}. I also noticed on XX/XX/XXXX there was a charge of {$1.00} with XXXX noted too. THERE was no charge on my XXXX account to reflect the transaction to identify the merchant associated with the charge. Ive provided my XXXX monthly account showing no transaction for those charges along with my monthly checking account to show the transaction. 

I contacted Peoples United to dispute the charges for I didnt authorize these transactions. I was give provisional credit for the items in question while Peoples investigated. 

I received 3 letters from Peoples dated XX/XX/XXXX ( I have attached those 3 letters ) stating the merchant supplied authorization for the transactions and my provisional credit was being reversed. I called the bank on XX/XX/XXXX @ XXXX that lasted 21 minutes asking for the proof that was supplied for the transactions. After bouncing around from person to person I told me that they were from XXXX XXXX. I was told by Peoples they would send me the proof the merchant supplied. I do have investment portfolios with XXXX XXXX so I called my portfolio manager and during my discussion with him he informed me XXXX XXXX does not have my personal checking information nor would they be debiting my account monthly. I also went in to the branch hoping they could help me and the branch called me and told me that I would have to reach out to the call center for there was nothing they could do. 
When I still hadnt received the proof from the merchant that I requested on XX/XX/XXXX I called back Peoples on XX/XX/XXXX @ XXXX and that call lasted 3 minutes before the call staff hung up on me. I called back @ XXXX and talked or 16 minutes looking for the documentation that supported the charges and was told the request was made to send that to me. 

Again I didnt receive the what proof was supplied from the merchant so on XX/XX/XXXX @ XXXX XXXX for 7 minutes call with Peoples Call Center , the operator informed me that I would have to open up an investigation at a charge of {$25.00} and hour for them to provide me with the proof the merchant supplied to support the charge. Needless to say I was dumbfounded and frustrated to say the least for the other people I talked to were able to request the information I needed. The first initial charge of {$1.00} on XX/XX/XXXX fits the scenario of a fishing scheme to see if it would go unnoticed and now Peoples is dismissing my request to provide me with proof of a charge I never authorized. 

I have attached my Peoples checking account from XX/XX/XXXX thru Current. 

I have attached my XXXX account from XX/XX/XXXX too current. 

I have attached my XXXX phone bill noting the times that I reached out to Peoples to provide the proof that was supplied.

Company response to consumer: Closed with explanation