Consumer complaint received 2017-11-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I just calculated everything up and its a total of {$310.00} thats with the {$170.00} Hello my name is XXXX XXXX I am currently wait to receive a credit of {$170.00} for fraudulent transaction that took place on my account okThe description of a willful act commenced with the Specific Intent to deceive or cheat, in order to cause some financial detriment to another and to engender personal financial gain. That we could possibly have. TRANSACTION, contracts, civil law. An agreement between two or more persons, who for the purpose of preventing or putting an end to a law suit, adjust their differences by mutual consent, in the manner which they agree on ; in Louisiana this contract must be reduced to writing. Civil Code of Louis, 3038. 
2. Transactions regulate only the differences which appear to be clearly comprehended in them by the intentions of the parties, whether they be explained in a general or particular manner, unless it be the necessary consequence of what is expressed ; and they do not extend to differences which the parties, never intended to include in them. Id. XXXX. 
3. To transact, a man must have the capacity to dispose of the things included in the transaction. Id. 3039 ; 1 Domat, Lois Civiles, liv. 1, t. 13, s. 1 ; Dig. lib. 2, t. 15, l. 1 ; Code lib. 2, t. 4, 1. 41. In the common law this is called a compromise. ( q.v. ) A Law Dictionary, Adapted to the Constitution and Laws of the United  States. By XXXX XXXX. Published XX/XX/XXXX. With my old debit card I am currently waiting for a {$170.00} credit View mobile friendly version Webster Bank | Living up to you Important information for : XXXX XXXX XXXX XXXX Account ending in : XXXX Account Servicing Alert Insufficient Available Funds Notice This email is to inform you that on XX/XX/XXXX, items were presented against your Webster account and there were insufficient funds to cover them. 
Below are the items and the fees that will be assessed. Note : fees will be posted with today 's transaction date ; however, they XXXXay not be immediately reflected in your account balance. 
TRANSACTION TYPE AMOUNT ACTION FEE CK CRD SIGNATURE PURCH {$2.00} PAID {$0.00} Avoid Additional Fees If your account balance remains negative for more than 5 calendar days, you may be charged an extended overdraft fee. Beginning on the next business day, and every business day that your account remains negative, a daily fee of {$5.00} may be charged to your account. To avoid additional fees, please make a deposit as soon as possible. If you have already made a deposit, thank you! 
Fund your account now or go to www.websteronline.com/XXXX. 
Webster is committed to helping you achieve your financial goals. To help you better manage your account, Webster offers the following services for free : Direct Deposit Provide safe and fast access to your money by depositing funds automatically to your account. 
Overdraft Protection Link your savings account to your checking account for automatic overdraft protection or apply for an overdraft protection line of credit. 
Debit Card Overdraft Services Webster is offering you a choice regarding Debit Card Overdraft Services. You can tell us if you want us to authorize your debit and ATM card purchases when there are insufficient funds in your account. We recommend that you indicate your overdraft preference for your everyday debit and ATM card transactions as soon as possible. For more information, go to www.websteronline.com/XXXX, or call us at XXXX, 24 hours a day, 7 days a week. NOTE : This service is not available for Opportunity Checking accounts. 
Balance Alerts We 've made it easier for you to stay on top of your account activity with timely balance notifications that you control for added awareness and peace of mind. You can establish low balance alerts to inform you when your account may be unexpectedly short on cash and to help avoid overdraft fees. Balance alerts can be delivered via email and/or SMS/text to your mobile phone. Learn more. 
WebsterOnline Monitor your payment and withdrawal activities or transfer funds online anytime day or night. 
Log in to your account Give us a call Connect with Webster XXXX XXXX XXXX To ensure delivery to your inbox, please add XXXX to your address book. 
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Webster Bank, XXXX XXXX XXXX, XXXX, CT XXXX XXXX

Company response to consumer: Closed with monetary relief