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I went ahead and filed my complaint with the FDC. I feel I have done as much as I can for the time being. Using a debit card should be an easy process, but the banks and the credit card companies are making it much too strenuous.

I would like my readers to give me their opinions on this issue. If you haven’t read the previous postings, please do this before giving me your opinion. I still feel banks and credit card companies “freezing” a certain amount on the checking account until the debit is paid has to be illegal. They are holding your account ransom until the debit goes through, BUT they don’t take the freeze off for days, causing those overdraft fees the bank so greedily grabs. Yes, most banks will reverse the fee if you ask, but some people don’t know this and won’t question it. Please email me. I will respond and I will do whatever is in my power to do regarding this concern. As I get responses I will update this information.