Consumer complaint received 2023-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: ATLANTIC UNION BANKSHARES CORPORATION (VA)

Not sure how long this has been going on. I have begun noticing deceptive practices, over the last 12 months. It began when I noticed that, all of a sudden, when I deposit cash into an Atlantic Union Bank ATM, to avoid an overdraft, XXXX XXXX actual cash payment was not processing and being applied to my account for anywhere between XXXX XXXX XXXX XXXX. When I called about it, I was told that my cash payment was being placed on hold, for the XXXX XXXX XXXX XXXX  thus I incurred an overdraft charge. After this occurred several times, I begin researching other banks for my direct deposits. It seems now, that I have switched to a new bank ( a couple of months ago ), but still allowing {$150.00} per paycheck to still be deposited into my Atlantic Union Bank account, now even my XXXX deposit are being delayed, thus incurring an abusive amount of overdraft fees. Im constantly depositing money that is being held, then incurring another overdraft fee. Latest example on XX/XX/23, I overdraft my account, even though a couple of years ago, I opted out of the overdraft option, the charges should have been rejected., yet it seems over the years the bank had been picking and choosing, which payment they were letting go through and which they will reject. This always seem to occur when my balance is low, causing avalanche of XXXX XXXX XXXX XXXX XXXXXXXX  because I have to ask others to assist me in catching up my account, but it never catches up. Yesterday ( XX/XX/23 ) I called and spoke with a rep who told me I was opted out, but the opt out does not include recurring payment the charges that were being charged were not recurring. I never got an explanation for why these charges were not being rejected, nor an explanation as to why I was not notified that my account was overdrawn, via email/text alerts. If I didnt go in to check on my XXXX deposit, I would probably have incurred hundreds of dollars in overdraft fees. When I made the first XXXX deposit, I added an extra {$100.00} ( overs draft was {$190.00} some, I XXXX  {$300.00}. My account showed {$100.00} ( est ). Yesterday I checked and the account was showing additional overdraft fees of {$110.00} bringing my balance to a - {$9.00} ( est ). Which is why I called. While on the phone with the rep. I XXXX  an additional {$10.00} around XXXX on XX/XX/23, the rep acknowledged receipt I even got confirmation from my other bank that it was delivered. The account showed a balance of + {$.00} ( est ). I just checked my account, it is now showing another overdraft fee, leaving a negative balance of - {$37.00} available and- {$9.00} current. Due to another overdraft fee of {$38.00} of the {$9.00} that I XXXX  the {$10.00} over for. The {$10.00} is still showing pending. I was told by the rep, that the XXXX payment had to be there by XXXX in that day ( XX/XX/23 ), the {$10.00} was sent around XXXX on XX/XX/23, while I was still on the page with the rep. This is deceptive practices Atlantic Union Bank is manipulating my deposit in order to charge me overdraft fees. This is not fair. I dont have money to throw away like this. How many other people are experiencing this. It is making me physically Ill. The phone call did nothing, they are continuing to impact me negatively, in my opinion this is being done intentionally and with malice. What can I do to stop this predatory practice? Please help! This is not right.