Consumer complaint received 2018-02-19
Company: Global Payments Check Services, Inc.
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I am writing with regard to the XXXX XXXX  and Global with Deceptive CASH ADVANCE PRACTICES. 

I am XXXX and recently my younger sister XXXX. I have been to the XXXX not often but many times take a ride from My neighbor to use their ATMs. 

Upon going there all the ATM machines were temporarily disabled. I was instructed that I could go to the cashier and instead of paying a {$4.00} fee I could pay {$1.00} and take money out. They asked for my debit card and told me I was eligible for up to {$500.00}. 

I was surprised that I was even able to get that as I live on {$840.00} a month. In addition I was illegally evicted and lost everything I own which I will attach. I took several withdrawals and kept checking my balance. Every time I check my balance it was under {$500.00}. 

I went to stop my credit line I have the receipts the clerk ID number and asked to stop the credit line when it was at {$400.00} and a four dollar charge. The cashier responded with she did not know how to do this. 

I asked to speak to a manager she spoke to someone in the doorway and told me to call XXXX which has to do with their ATMs not with their collections. I was very concerned called my bank immediately to do a STOP PAYMENT ; Only to find out when I called their company Global and spoke to a supervisor name XXXX that it is a rotating line of credit or they don't call it a line of credit something an E check and they give you {$500.00} a week therefore I had no idea that I surpassed my limits as I take a lot of medication and when I asked to stop it they said they did not know how nor did their manager. In addition every time I checked the balance I was under the limit. 

XXXX, Supervisor at Global who I spoke to expressed her apologies and stated that they are definitely trained to know how to stop this. They are trained to disclose that it is {$500.00} a week which I had no clue or I would have taken XXXX XXXX and declare bankruptcy if I was planning to do something crooked. XXXX Had the collection agency stop calling and writing me. 

Although I put stop payments I had agreed to pay {$400.00} as I agreed to take a one time amount out for {$1.00} charge instead of {$4.00} at the ATM .I was unaware that they had collected this money along with almost triple the amount as they were adding money and not telling me that I had surpassed the {$500.00} and I had no clue that it was XXXX a week. 

I have tried everything but everything is automated and it is impossible to reach anyone in a position of authority. 
Each one GLOBAL WHO DECIDES TO REPLENISH YOUR CASH ADVANCE WITHOUT TELLING YOU AND THE XXXX XXXX XXXX THE CASHIER MANAGER XXXX FIRST TRIED TO BLAME IT ON THE " New inexperienced cashier, '' and both do not resolve nor offer a solution. My rent check just bounced, car insurance.. 
I am asking for your help as this is deceptive and fraudulent I have all the bank statements and the E Check receipts. 

They were actually clever as they requested my debit card and the account number Which enabled them to take the little money I had in a Custodial account for my daughter as well as directly debiting from my checking. 

Please contact me XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief