June 2020 by User
To say that I am upset is an understatement. I’ll leave my initial review for reference and backstory. I have a 2 star, but now I’d give 0 if possible. The fraudulent transaction referenced below finally posted to the account late Friday/early Saturday. I called Monday first thing. The associate I spoke to greeted me with “Hi Mrs. Alves, I was just looking over your account”. Great, this should be fairly quick.. nope, I was sorely wrong. Called again at 1 for an update and she told me she had gotten very busy but would finish up shortly and call me before the end of the day to come in to sign the dispute papers. Didn’t hear anything. Tuesday, I was busy at the salon so I didn’t call but had hoped to hear from her so I could go in this morning, Wednesday June 10th (it has now been a full week since he incident). Nothing. So this morning I called and spoke to another associate who informed me that there was nothing even noted on my account about fraudulent charges or a dispute in process AND my card was deactivated last Wednesday when the incident took place but was hit with another insufficient funds fee on Monday, 5 days after my card was canceled and 4 days after the insufficient funds fee for the overdraft due to the large fraudulent transaction had posted to the account. I have never in my life experienced such horrible handling of a situation like this from a bank. This is a business account! I can’t even order my needed products and supplies to properly function in my hair salon right now due to their lack of action on a serious situation. I’m taking my business elsewhere and will not refer anyone here for anything. Let me first start by saying, the staff is wonderful. They do their best and are always friendly no matter the situation. If my review was based solely on that, they would have 5 stars from me. Unfortunately, my review stems from a bigger situation. I do not have a personal account with Synovus. I only do my business banking with them. When I went in to open my account with them, I had a very good experience. The woman that helped me was Rebecca and she was absolutely lovely! There was an issue with the system, so she sent me on my way and worked on everything in the meantime and then called me as soon as things were on the up and up. That alone was enough for me to look past the fact that they do not offer mobile banking for business accounts. As time went on, I started to adjust to the fact that the online banking was difficult to navigate. You don’t see pending transactions and they don’t show up for 24 hours later. Fast forward to this past Wednesday (6/3/2020). I was alerted by the fraud department if some questionable activity on my debit card. I verified that it was not my activity. My card was canceled and a new one is on the way. However, my account is overdrawn by a whole lot. When I looked at my account Thursday afternoon, the fraudulent charges were still pending, however, an overdraft fee was present on my list of transactions. I understand these thieves overdrew my account and obviously until it is disputed, the overdraft will be there. My problem is, the charges haven’t even posted but the overdraft fee had. Today is Friday and the charges are STILL pending. Still have not posted and I have a very frustrated landlord who is holding my rent check for my salon and needs to deposit. I cannot dispute these charges until they are out of pending but fir some reason, they’re pending longer than any other transaction I’ve ever made. It’s very frustrating and discouraging and the bank I use for my personal account handles fraud much better than this. Unfortunately they do not offer business banking. Moral of my story is, they need a better system. This is extremely frustrating.
