During the last two months I have been trying to find out why I am being charged erroneous ATM fees by my bank. Last month my statement showed a “foreign ATM transaction fee,” which normally would result if I had withdrawn money using an ATM that was not owned by my bank. When I insisted that I had only withdrawn funds from ATM’s owned by my bank, they researched the fee and told me it was levied when I used my debit card to pay my AT&T cell phone bill online. Even though my bank graciously agreed to refund the fee, I was determined to make sure it didn’t happen again. I logged in to my online account with AT&T and read over all their policies regarding the fees they charge for various payment methods. Of the online payment options, their website states:

We accept the following forms of payment:
* ATM debit cards – STAR, Pulse, ACCEL, NYCE
* Credit/debit cards – Visa, MasterCard, American Express, Discover Network, Diners Club

There is no other distinction made between credit and debit cards and no notice that any fees will be levied if a debit card is used. I assumed it was a one-time mistake.

This month I again used my debit card to pay my AT&T cell phone bill online. Two days later, the monthly phone bill showed up on my bank statement, along with yet another “foreign ATM transaction fee.” This time I called AT&T. Since the customer service rep that I reached was unable to answer my question, she accelerated my issue to the supervisory level and then Continue reading →

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