Main Source Bank

The customer had a Representative Payee account established with MainSource BankIt was determined the customer had two overdraft fees charged as a result of pre-authorization charges at Microsoft Xbox LiveAn employee tried to explain the process regarding the feesThe customer became very
unprofessional regarding their demeanor with our branch employeesThe two fees in question have since been reversed and the customer made the decision to close the accountIf you have any other questions regarding this case, please feel free to contact me directly. Best Regards, Joshua C***Compliance Supervisor***

Initial Business Response /* (1000, 8, 2017/06/19) */
Please attachment for MainSource Bank's response
Revdex.com of Northern Indiana
Parnell Ave
Fort Wayne, IN
RE: ID #XXXXXXXX
June 19,
To Whom It May Concern,
This letter is in response to the Revdex.com complaint dated
June 19, filed by Ms*** ***Mr*** stated she was charged six overdraft fees of *** for charges that were pending and had not posted to her accountMs*** stated she had an available balance of *** when the overdrafts occurred
The compliant did not provide the date of the transactionIt appears Ms*** was referring to the transactions on May 4, 2017, when she received overdraft feesThe account had a total of *** on hold May 4, from merchants leaving her with an available balance of *** There were an additional six transactions that posted to the account the same day, which caused the overdraft feesThe holds were not due to the bank placing holds on depositsIt appears the account had nine separate holds on the account for the following amounts: *** *** *** *** *** *** *** and *** MainSource does not have control of when or the amount of a hold a merchant sends to the account
MainSource did refund all six overdraft fees on May 10, Ms*** requested a correction be made to her credit report to remove the overdraft feesMainSource does not report overdraft fees to credit reports unless the account is charged off; therefore, in this case no information was reported to a credit report, public records or private records
If you have any questions or would like further information, please contact me
Sincerely,
*** *** CRCM Compliance Deposit Strategist
MainSource Financial Group
Initial Consumer Rebuttal /* (3000, 10, 2017/06/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The error that caused the overdraft was the lay purchaseWe have a bank statement that shows an overdraft fee web we had over *** in the bank
Final Business Response /* (4000, 12, 2017/06/30) */
I have attached MainSource's response to the consumer's rebuttal
Revdex.com of Northern Indiana
Parnell Ave
Fort Wayne, IN
RE: ID #XXXXXXXX
June 30,
To Whom It May Concern,
This letter is in response to the consumer's rebuttal dated June 21, filed by Ms*** ***In the response, Ms*** states the error was caused by the lay purchaseMainSource Bank is unable to determine what purchase she is referring
Ms*** also states they have a bank statement that shows they received an overdraft fee when their account had over *** That would be correct for their current balance; however, that balance does not show any holds that were placed on the account at the time the transactions were attempting to post to the accountThe balance on the statement would show as *** after the first debit posted to the account on May 4, However, they had *** in holds placed on their account for other transactions made with their debit cardThe individual amounts were provided in the previous responseThe hold amounts are sent to the bank from the merchant
The transactions on paid based on the available balance, which in this case would be *** leaving the available balance at *** when the transactions on the 5/4/attempted to clear the account
As stated in the previous response, MainSource has already refunded all the fees on 5/10/In addition, Ms*** requested a correction by made to her credit report but MainSource does not report overdraft fees to credit reports unless the account is charged offIn this case, no information was reported; therefore, there is no information for us to remove
If you have any questions or would like further information, please contact me
Sincerely,
*** *** CRCM Compliance Deposit Strategist
MainSource Financial Group