Once again this man is named Micheal Nieto, I would like to meet with him and discuss the matter personally. He and his supervisor created the problem when THE FROST BANK DECIDES WHEN AND HOW MUCH they will collect directly from any account when they want to be paid. I've dealt with this guy before and he has failed to resolve the issue from months past prior User's recommendation: Do not fear the Bank, the Bank wants to Bully the Community.