I checked my checking account online before and after midnight on January 15, 2020 and a payment to Toyota financial was not shown. I had my son take off work today the 16th to our money in my account so I would not be charged an overdraft fee. He made the deposit and I checked my account online and they put the payment to Toyota on 15th and not 16th and charged me an overdraft fee which made my account negative. Talked to rep at first convenience and she told me they probably held the money till today the 16th because there was not enough money to cover the payment but it shows they took money out of my account in the 15th. Talked to a supervisor and she would not refund overdraft fee to make my account positive. I asked her what time on the 15th to Toyota and she said there is not a time shown when the payment was made to Toyota in the 15th. How convenient. She argues with me that the payment went out in the 15th and I told her it did not because I checked my account online before and after midnight. According to your complaint board and the many complaints this happens a lot. I want the overdraft fee refunded to me and this practice stopped. It is unethical and illegal.