Jordan said he thought the courier fee was processed the same day he paid the courier. When he asked a bank teller to withdraw money from his account some time later, the teller didn’t tell him the earlier transaction had not yet been processed. He therefore thought he could withdraw the entire balance, which he did, leaving insufficient money to pay the courier fee.

Our investigation

We found the bank had acted in accordance with his card's terms and conditions and wasn’t responsible for the courier company's delay in passing on the fee for processing.

Outcome

The bank agreed to refund the overdraft fees, but said it couldn’t alter his transaction records because transactions had to appear on the day they were made.