Phelps County Bank complaints

Every 3rd of the month my disability check is direct deposited into my checking account. After having the account open for 3 months they allowed me to take a loan out on my next direct deposit by over drafting my account by paying a one time charge of $30. It started out at $300 then at 6 months the amount was raised to $500 that could be done by overdraft. Now in July the bank tells me that after 42 days of a negative balance they close the account but since my disability check is paid the 3rd of every month there has never been 42 days of a negative balance. And the banker was supposed to fix the problem then but apparently failed to do so because they are intending to close my account after my disability deposit gets there on the 3rd which will put my account in good standing. Everyone I have talked to insists there is nothing they can do and that there was a point in time the account was in the negative for 42 days and since there is not 42 days in any month the most being 31 days then this is a false statement and therefore they have no right to close my account. The lady I talked to said she could open up a new account after they close the other one but for me to be able to do the overdraft loan my account has to be in place for 3 months. So after they get the money for the last overdraft loan I will have $400 for the month and no ability to get the overdraft loan on a new account. When they could admit they were wrong and fix the account I have now. Resolution Sought I would like the bank to review my account and tell me when I didn't have a monthly direct deposit by the 3rd and when they can't find a month that my disability check was not in their bank by the 3rd admit there was a error on their end, fix the error and leave my account I already have open; Allowing me the ability to do the overdraft loan.

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