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Originally Posted by glc
It's not a card that's being charged - it's an account service charge. There is a difference.
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They are still required to make you aware of the charge before they debit your account.
Actually, you could probably still file a complaint and make them prove that they did notify you about the charge before taking it from your account. If they cannot prove that they made you aware of the charge...you get your money back!
By filing the complaint, you're putting the burden of proof on the bank. Most banks will just give you the money back rather than have to explain themselves and their policies to the Federal Reserve.
You'd be supprised at how many rights you have as a consumer under Federal Reserve rules.
Best thing to do is call 'em up...they're very friendly.
I've learned alot about banking industry regulations by calling them anytime I have a question.
That's what these folks are there for, to help you not get screwed by banks and merchants.