When to Use

Use this report if you have a client asking why he/she received overdraft fees when in Xperience his/her account visibly has enough funds available to cover items that present.

How do I Search?

1. Choose the processing date the items were rejected.
2. Search by the client's account number.

Example

A client calls in on 2/7/20 asking why he received six $35 overdraft fees when he had enough available funds to cover his transactions.

1. Pull the account number (10000546613) in Xperience. 
2. Look at 2/7/20 in the history to see the fee.
3. Pull up the exception items - EIP History to view the rejected items.
4. Pull the ATHLD 01R report from 2/6/20, because that is the night that the items were rejected.
5. To see what debit card transactions were being held against the available balance during processing, search by the account number.

Explain to the client that on 2/6/20, he/she had several pending pre-auths holding against the account’s available balance during end of day processing. They were as follows: 

$324.00

$10.00

$722.00

$77.53

$128.5

$68.41

$11.96

$70.16

$10.34

$171.52

$9.89

$184.80

$722.00

Although these transactions were not presented for payment until later dates (between 2/7/20-2/10/20), the pre-auths for these transactions took place before end of day processing on 2/6/20. The overdraft fees were charged after the transactions brought the client's balance to $1756.92. However, because of the pre-auths, the client's available balance was -$264.75. The amount of debits presenting for payment totaled $464.44. Because of this, the account was assessed overdraft fees. 

Previous day's balance: $2,256.36

Pre-Authorizations Total Amount: $2,521.11-

Processing amount available with Pre-Auths: -$264.75

Total amount of Transactions presenting for payment: 464.44-

Account balance: -$729.19