BANKING SERVICE Hibernia National Bank

BANKING SERVICE Hibernia National Bank

To Whom It May concern:

I have been banking with Hibernia National Bank since 1998. Although I am a small depositor, like most people,we do make up the majority of customers that uses the services of banks. To quote Lemony Snicket,(children's book), dealing with Hibernia in the city of Baton Rouge has become a series of unfortunate events. I made a deposit for $30.00 and it was encoded as $300.00. I knew the money was not in my account and I did NOT write any checks against the surplus. They charged me erroneously with around three NSF fees. I had to take time from my job to get the matter resolved. Another time I made a deposit in the ATM and the machine accepted it and I received a receipt. Guess what? When the deposits were removed from the machine, mine was not among the deposits removed. Once again, I was charged with NSF fees because the deposit envelope was between the panels of the machine and was discovered later.

I was lucky I was able to correct this mistake over the phone. In April of this year, I made the mistake of mailing a credit card payment early. The check cleared the bank the day before my payroll deposit. I know this was my fault but I went to the location at Sherwood & Coursey to see if some on the NSFs charged to my account could be forgiven. After all, they totaled around $261.00. I explained how this would cause a hardship. I also stated that I tried to obtain overdraft protection but was told that you have to have a line of credit of $2,500.00. Guess what? The average person dose not need that much for overdraft protection. I was then told to go to the branch where I opened my account and maybe they will excuse some of the NSF fees. I was told that I opened my account at the Perkin Street Branch. Once again,Guess what? There is not a branch at that location. By the way, when did banks become franchises? Since Hibernia is a corporation, I thought that any branch could help me. The final straw was July 5th of this year. I checked my account balance and had a negative balance of $156.96. It turned out a check for $6.80 was coded as $68.00. The closest location is the Shewood & Coursey branch. I refuse to deal with the customer service person at that location. She is entirely desensitized to the common depositor. She has no empathy or sympathy. Therefore, when I left work I called the Customer Service line and spoke with someone named Judy. She acknowledge that there was a encoding error and It would be taken care of and the NSF fees would be reversed. I was charged three additional NSFs totaling $203.00. This brought my balance to a negative $263.18. I called the Customer service line on July 7th to check the status. I was told by Zeke that Judy did not put my paperwork through. He said he would submit my paperwork and I told him what the exact balance should be. It's not a lot of money but it's my money. I was also told that the process takes seven to ten business days. Why is it that it takes a couple days for a mistake to be compounded into $203.00 worth of NSFs fees and it takes over a week to correct. Because of this mess, I cannot deposit my check from my second job on Saturday. I am going to have to go to the bank which the check is drawn to get cash when I would normally deposit the check in the ATM machine. I will not deposit this

check because it would be applied to the erroneous overdraft. Once again,I am inconvenience by Hibernia. In the long

run,I know it will not hurt Hibernia but I am finished doing business with them. They are not worth the stress and the aggravation. I hope this complaint as well as a vigilant word of mouth campaign will hurt them were it has constantly hurt me, in their pockets. Gwendolyn

A VERY AMBIVALENT EX-CUSTOMER

P.S. Please forward this E-mail to www.betterbusinessbureau.com and www.capitalone.com(Hibernia's new parent

company).

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