I have a checking and saving account at XXXX Bank. On XXXX XXXX, 2015 I canceled a recurring debit of {$490.00} payment from a company by the name XXXX. Meaning I no longer authorized for payments. I do n't owe XXXX I canceled my contract with XXXX in XXXX 2015. On XXXX XXXX, 2015 I had a direct deposit cleared, the canceled payment of {$490.00} was debited from my saving account on the XXXX XXXX, 2015 but, back posted on XXXX XXXX, 2015. The funds was not in my account on XXXX XXXX, 2015. XXXX Bank knows I have direct desposit bi-weekly so, the payment cleared and I was charged a fee for not having the fund in my saving on XXXX XXXX, 2015 
