I am paying late 2014 IRS taxes. In XXXX the IRS took out XXXX payments of {$250.00} by mistake. I scrambled to get money to cover the payments. I could not verify thedate for XXXX. There was no pending payment listed on line on XXXX XXXX. 
I bought a plane ticket to visit my family at a great price of {$310.00} on Sunday XXXX XXXX. 
On Monday the XXXX, the IRS took out a {$250.00} payment and the plane ticket was listed as pending. I called the bank and asked if they could stop payment or holdthe {$310.00} payment until Friday XXXX. The person said she would take care of it and I was lead to believe there would be no charges. I did not proceed further with the airline. 
I checked all week online and the {$310.00} was listed as pending until Friday the XXXX. Then the {$310.00} was listed as paid on Monday the XXXX and XXXX overdraft charges of {$35.00} totaling {$100.00} were deducted from my account. When I called thebank, a manager told me that the charges were normal and she would not refund the charges. The bank has a new policy that a general manager must approve refunds. If approved, the refund is sent by check by mail to the customer rather being redeposited into the account. This process takes weeks. The very high charges and lengthy refund process place customers at risk of more charges. 
I work with XXXX and donot have much money. In XXXX, I finished paying off over {$22000.00} in credit cardwith this bank. 
