I would like to take a moment...

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jbretz
jbretz Posts: 43
in Chit-Chat
to vent my ANGER.

I just checked my bank account. I had moved $70 into my checking account to pay my $70 credit card bill off. $70 balance checking. $70 withdrawn to credit card. $0 balance. All is good. BOOM. $36 overdraft for absolutely no reason. Then, $10 magazine subscription that I bought for my ex that autorenewed without asking me. BOOM. Another $36 overdraft. I now have -$82. I understand the second overdraft. But WHY!?!?! did they charge me when my balance was $0? This is not what I needed to come home from work to.

The bank will certainly be hearing from me tomorrow.

Replies

  • GypsyRose25
    GypsyRose25 Posts: 407
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    I don't have anything to say, but that is really stupid. Banks are ridiculous.
  • AZKAOZ
    AZKAOZ Posts: 35
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    OUCh! LOL...... claim insanity, or Card Theft! lol

    Good luck with them bankers dude!
  • ACF2
    ACF2 Posts: 51
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    good luck with that- the banks could care less, they either get the cash from you or bailout from the fed! %^(
  • jbretz
    jbretz Posts: 43
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    good luck with that- the banks could care less, they either get the cash from you or bailout from the fed! %^(

    That is what infuriates me the most. They'll just keep telling me that there is nothing they can do. The rich get richer and the poor get poorer. I hate banks so much.
  • kew4zen
    kew4zen Posts: 3
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    They may hear from you, but they won't listen.
    I feel your pain.
  • megz4987
    megz4987 Posts: 1,008 Member
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    If you get lucky they may take the overdraft charges off. My bank did it for me a few times I was careless and not paying attention to what I had to spend :x
  • AZKAOZ
    AZKAOZ Posts: 35
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    UMM my friend had six overdrafts before. They told her there was nothing she could do. I told her let me talk to them. In 10 minutes I had them reversing all six of them and they even acknowledged they were incompetent fools. My friend was a nurse and she had a direct deposit check every friday from work of 4 grand. They rejected a direct deposit because it didn't match her name for some reason. Anyways, long story short. Find a fault or call and complain alot they will remove them.

    P. S It took two calls to remove all six. Each agent can only remove three a day per account. So I had to call back and get someone else to remove the entire six.
    good luck with that- the banks could care less, they either get the cash from you or bailout from the fed! %^(

    That is what infuriates me the most. They'll just keep telling me that there is nothing they can do. The rich get richer and the poor get poorer. I hate banks so much.
  • GypsyRose25
    GypsyRose25 Posts: 407
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    good luck with that- the banks could care less, they either get the cash from you or bailout from the fed! %^(

    That is what infuriates me the most. They'll just keep telling me that there is nothing they can do. The rich get richer and the poor get poorer. I hate banks so much.

    I used to work for WaMu, before they outsourced their call center, then got bought out (lmao), and I found the best thing you can do is go into the local branch and speak with a person there. People on the phone will not care (I should know) because they can't really do anything. People in the branch are "typically" nicer. Typically.
  • lsd007
    lsd007 Posts: 435
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    I am sorry.
  • Jeepinmom4
    Jeepinmom4 Posts: 298 Member
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    My favorite is when they charge me $25 for bouncing a check by less than a dollar! !!!
  • katya73
    katya73 Posts: 464
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    Nasty Banks !!! Vent away tho .. Makes you feel better .. Maybe pay them a visit .. Tell them that if they don't wipe that OD charge you will take your business to the bank across the road ... .. Know how I mean ?
  • Tennessee2019
    Tennessee2019 Posts: 676 Member
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    Banks don't listen to their customers (the ones who keep them in business) or care what their customers have in their accounts. They will charge you outrageous O/D fees because it means more money for them & they will take it any way they can get it - from us or the government.
    I used to be at a bank that did the withdrawls first, before they check for any deposits. They would charge my account for not having any money in it, then accept my deposit - but not withdraw the charges that they had just applied a few minutes ago.
  • TheRoadDog
    TheRoadDog Posts: 11,793 Member
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    Snowball effect. Many years ago, I had my pre-tax Medical Reimbursements direct deposited to my checking. One month it didn't deposit as it should have. I made out all the household checks. Insufficient funds. My bank paid them, but I got many overdraft charges. Amounted to almost $700. Fought with the Medical Plan providers, but they wouldn't take responsibility. Even though the check was almost 2 weeks late to my account, it was still my fault.

    Luckily, I had been at the same bank for almost 20 years. I went down, talked to them, showed them all the correspondence and they reversed all the charges.

    Every where you leak, someone wants to hang a bucket.
  • hroush
    hroush Posts: 2,073 Member
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    A similar situation happened to me when I was transferring to another bank. I forgot that I had taken $400 out of the account, so one little charge dropped it below $0 and then had one more for added measure. What sucked was this was a local bank and I was two states away. I called my mom and asked her if she could cover everything for me as sending them a check would have taken another 2 days at least and I would have accrued more overdraft charges each day I was over. Of course they sent me a letter saying that I was over, so that had already added a couple days to add insult to injury.

    I now watch all my accounts and pay all my bills online so I know exactly how much is in there. I will also transfer funds from savings if my checking account gets less than $500 before the end of the month.

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