I have been sending online payments with First Citizens Bank for at least a year now, probably longer. They have always treated it as they have any other check, withdrawing the amount of the check when it was cashed, and even stated it in every billpay notice after I had scheduled it. The last time they didn't do that, they changed their procedure and withdrew it on the date that it was scheduled, before it was even cashed. Regardless of policies, etc., there was a pattern, without change or prior notification, until this last time. Because they did that, I ended up incurrring $288 of service fees (which should also be illegal if those check cashing places are) In each of the previous scheduled payments they withdrew the money sometimes a week or more AFTER the 'scheduled' date and stated, as shown below in the info pasted from the billpay section, that they WERE NOT going to withdraw it on the date that I 'scheduled' but instead, the day it was cashed. I am pasting 1) The single statement in question from all previous payments 2) the statement from the one in question 3)The complete message from each billpay (the one in question first and the 5 prior) They say they have reviewed this issue and concluded that they did exactly as I requested and that is was my error. Ok, if that is the case, then they committed fraud on each previously scheduled payment because they DIDN'T withdraw on the date scheduled. I never would have scheduled a payment knowing it wouldn't be covered. In fact, that payment WOULD have been covered if it had been posted the day it was cashed. This is totally unfair and I think they need to refund my service fees. 1)FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK 2)FUNDS WERE WITHDRAWN FROM YOUR REGULAR CHECKING (acct # removed) ACCOUNT ON 07/31/2006. (below is pasted from the billpay screen- made the portions that you need to compare all caps, basically the last sentence in each one) 3) (payee name removed) REGULAR CHECKING (acct # removed)$200.00 07/31/2006 5JZKV-665DC Paid Check #66101097 from your account was mailed to (payee name removed) on 07/26/2006. FUNDS WERE WITHDRAWN FROM YOUR REGULAR CHECKING (acct # removed) ACCOUNT ON 07/31/2006. Contact your financial institution if you have a question about when your funds were withdrawn. ======================== (payee name removed)REGULAR CHECKING (acct # removed) $200.00 06/30/2006 5G4FQ-T8JFQ Paid Check #5162 from your REGULAR CHECKING (acct # removed) account was mailed to (payee name removed) on 06/27/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK. ======================= Check #5161 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 04/24/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK. ======================== Check #5160 from your REGULAR CHECKING (acct # removed) account was mailed to(payee name removed) on 03/27/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK. ======================= Check #5158 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 02/17/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK. ======================== Check #5159 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 02/17/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK. ========================