First Federal Bank

First Federal Bank of Clayton NC has deducted an amount that was not supposed to come out in the first place - they deducted that same amount twice. First Federal Bank of Clayton NC has deducted $271.27 twice from my account. I told them that amount should not be taken out at all, and they have taken it out twice. That's over $500 of my money they've stolen. I cannot get them on the phone. They do not try to help their customers. I explained what the mistake was in emails and letters and they could see in their own records that money had already been paid on this debt with more money to come out in February to complete the payment. So instead of listening to me and helping me, they took out the money twice that should not have come out even once. Double Billing - that's what they've done. If they cannot subtract and keep accurate records, they should not be in business and they should not be trusted with people's money. Desired SettlementI want them to act like a bank and call the people trying to take this money out so they can figure out why it's coming out twice, and now three times? I want my money back that they have stolen. I want them to send faxes, or emails, or make phone calls instead of expecting me to do this over and over. I've called twice to the place taking this money. The bank refuses to do anything to help me, but I see they are helping themselves to over $600 of MY MONEY. They are robbing me. It was bad enough when I was having to pay the same bill twice because the bank would not help me; now it's THREE TIMES? Can't they count? Can't they keep accurate records? Who else are they stealing from?Business Response First Federal Bank would like to comment on the above mentioned complaint. We totally disagree with the information contained in the complaint that has been issued by Ms.[redacted]. The mandatory withdrawal in the amount of $271.27 was deducted only one time from Ms.[redacted]'s account. In addition, the Bank was very proactive in contacting Ms.[redacted] to advise her of the forthcoming debit. Consumer Response The bank did take out the amount twice on the afternoon of Feb. 11 and I copied that info and have shared it with various others. They had 30 days to respond to the garnishment and although they knew it was wrong, they garnished the amount in less than two weeks. They did so to incur the $100 in fees their bank wanted. The bank was NOT proactive. I sent their corporate office a letter asking for help. I got no response to that. I did all the phone calls, although the garnishment letter stated they were able to not garnish and explain why. They knew half the money owed had already come out of my acccount. I sent them the statement info and they should have been able to see it for themselves in their records. They have now paid much more than I even owed and they pretend they were proactive? They were nothing. They did nothing. Their bank practices are pathetic. The only compromise is for them to take back the money and act like a financial institution that values their customers and communicate themselves directly with the ones who garnished this money. I called twice. I called and was on hold for 40 minutes twice while trying to take care of this problem. They sit in their offices and they could have made a phone call or written a letter to help me. I want the $271.27 refunded and the $100 fee refunded and for them to take out the remaining $111 that I still owed AFTER they refund what should never have been taken out. I have paid $483 for a $223 debt and they act like it's my fault they did not do their job. They took the easy way out. They did not care about me or my money. They stole money from my account. Here is how my bank account looked at 5:15 on Feb. 11 : First Federal Online Bank Statement February 11, 2015 at 5:15 pm02/10/2015 [redacted]This clearly shows they deducted $271.17 TWICE and then probably hoped a check would bounce while they had my balance much lower than it should have been at that time. Then they could have fined me for that! What a terrible bank they are.Final Business Response We would like to follow up on the additional comment posted by the customer on the above mentioned complaint. The release was received by the bank after the money was sent to the [redacted] to comply with the garnishment. We unfortunately have no way of reversing the transaction as the money has been remitted to the [redacted]. The [redacted] will work with customers if there was an overpayment on the customer's part. We value our customers, and the local branch and our operations areas did correspond with the customer in hopes of receiving a release, but followed normal procedures to comply with the garnishment.