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Keva rarely used the Card for Point of Sale transactions; she preferred carrying cash in her possession to buy goods and pay for services. As
Keva rarely used the Card for Point of Sale transactions; she preferred carrying cash
in her possession to buy goods and pay for services. As her payroll was instantly
transferred to the Account by direct deposit from her employer, she would make a
weekly trip to the ATM, to withdraw cash that she needed to cover her expenses for
this week.
Since the opening of the Account, the Bank did not issue to Keva printed statements
of her account activities, as upon Account opening, Keva had opted to receive
statements electronically to her Hotmail account. Keva, though, wasnt the best with
checking her Hotmail account, and would usually just check her balance on her ATM
receipt, when she withdrew cash from the ATM for the week.
Onor about the Monday th September Keva went to the ATM at the Banks
Palmdale Branch to withdraw $ cash for her weekly expenses. At that time, she
noticed her balance was significantly lower than she remembered the week before.
She was in a bit of a rush to get to work so did not have time to step into the Bank to
inquire of her balance. That week things were crazy at work, and so the time got the
best of her. The following week, she went to the ATM at the Banks Soldier Road
Branch to withdraw the $ cash for her weekly expenses, and the balance again
appeared to be significantly lower than she remembered, and she thought: This
doesnt make sense. However, she couldnt deal with inquiring with the Bank at that
moment, as she had to pay a deposit for her daughters school before reading into
work.
The week of October Keva was excited about their familys Fall Break
vacation a night cruise on Royal Caribbeans Symphony of the Seas. She hastily
went to the ATM at the Banks Cable Beach Branch and again her balance was
strikingly lower than she imagined but she couldnt think about it because she had
to get ready for her flight that afternoon to Miami so her and her family could board
the cruise.
Upon her return to The Bahamas from the United States onabout the rd of
November, she went into the Cable Beach Branch and inquired about her statement
of account. The teller at the Bank printed out her statement of account, and it is was
then she noticed that there were numerous charges on her card at various stores, one
was the purchase of a television on September at Quality Home Centre totaling
BSD$; another charge was a $ charge at Latitudes restaurant on
September ; another was the purchase of clothing totaling $ at Polo Ralph
Lauren, in the Mall at Marathon on September She was flabbergasted! She
immediately told the teller, I need to speak to the Manager now! Keva then met with
the Branch Manager and told him that she never used her debit Card for Point of Sale
transactions and only used it to withdraw cash from the ATM.
The Branch Manager, Lamont Hanna, said, we will launch an investigation; but
unfortunately, I am not sure what we can do in this circumstance, as the Banks
Terms & Conditions require that you notify us within days of the charges. Keva
said, I want my money and I want it now!
Keva meets with the Banks IT Manager, as well as files a police report with the
Financial Crimes Unit of the Royal Bahamas Police Force. The Inspector at the
Financial Crimes Unit informs Keva, We have seen a lot of these recently; in fact we
just arrested a few guys last week for skimming cards.
That evening Lamont went home to his wife and said: This crazy customer Keva
Williams acted like a fool in the Bank, Apparently she is saying that charges made on
her account, some $ in charges, she didnt charge, I dont buy it for one second.
She definitely trying to get one over the Bank.
Onor around November the Banks Fees and Charges Schedule, incorporated
within the Banks Terms and Conditions were as follows, having been amended on
September :
Charge VAT VAT INCLUSIVE
Withdrawal
Charge
$ $ $
Monthly
Maintenance
Fee
$ $ $
Transfer Fee $ $ $
Stamp Tax
Charge as
prescribed by
Government
As Prescribed As Prescribed As Prescribed
On Christmas Eve, Keva is in a fatal car accident and passes away.
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