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Author: Dawson, Michael
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176210
I have always wondered about the low-paid bank employees. Do they ever
have problems with overdrafts or is it a perk of the job to have those
overlooked?
M!ke
ive got a novel idea...
COMPASSION on the part of the bank.
UNDERSTANDING that we the populace are not perfect mathematicians
LENIANCE in the face of downtrodden despair and lack of funds
A FUCKING CHANCE to get back on your feet once you are down.
seriously. if my acct is low on funds, and i happen to go into
overdraft does anyone at the bank seem to get the point that there is a
reason there are no funds? does taking more from someone who has
nothing, make it any better for EITHER PARTY?
WTF! i mean, it could almost make someone go postal. really.
Author: Tim Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176176
yeah
Tim
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Author: Tim Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176174
Yeah,
Tim
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Author: Tim Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176175
yeah
Tim
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Author: Dana
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176124
that's what I was wondering...
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Author: Matthew Small
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176121
UMMMMMMMM
Didn't you just start a new job?
Matthew Small
To top it of I just gave my two week notice.
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176120
done with tera tech?
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176118
To top it of I just gave my two week notice.
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Author: William Bowen
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176116
A similar thing happened to me.
USBank (Five star service my ass!) overdrafted my account based on
debit card AUTHORIZATIONS!
That's right, those nebulous transactions (some for more than the
actual value of the sale) that may of may not actually be completed.
God forbid that an authorization is overdrafted overdraft, and then
the actual transaction is finalized, as that results in the
double-whammy, two charges for the same transaction...
What's more, the last time they did it (before I moved all my accounts
to Washington Mutual) I had deposited almost 2K in checks (which, of
course do not show up on the balance sheet until they clear)
Now, here's how fucking wonderful USBank Customer Service is...
Not only would they not reverse any of the Overdraft fees ($29.00 a
shot and after 2 it goes up to $35, we had 5 on this particular
occasion), the CS rep told me 1) he did NOT have to send me a written
copy of the policy where they outline this practice and 2) I should
"learn how to balance my checkbook."
WTF?!?
The next day I closed my accounts, when i did I handed over an open
letter to the Board of Directors of USBank (that was a fine bit
o'researchin' let me tell you), that spelled out in no uncertain terms
why I was leaving their bank. I asked the teller to please forward it
to the branch manager with my kindest regards and a big "go fuck
yourself."
That day I closed my business account, my personal checking account,
my 2 IRAs (with signifcant fucking penalties), my kids savings
accounts (2), and my (and my wife's) personal savings account.
To hedge my bets, I also mailed the letter (certified) to the
corporate HQ, the little green card was returned, but I never got a
response.
USBank, assholes all...
Washington Mutual is the bomb, the shiznit and other colorful
coloquialisms meaning, really good at what they do...
+1 to the recommendation on switching to them.
--
will
"If my life weren't funny, it would just be true;
and that would just be unacceptable."
- Carrie Fisher
Author: Robert Munn
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176117
When I opened my BofA account a few years ago, they offered me a Visa card that
could be attached to the account for overdraft protection. Anything over the
balance in my checking account gets charged to the card. You can only go
overdraft up to the card's limit, but let's be realistic, these things usually
happen in a situation like yours, and the overdraft ends up being a small amount
of money.
I maintain the card, although I don't use it as a normal credit card. I think it
has a small annual fee to keep it open, but once or twice when I miscalculated it
saved me considerable inconvenience by having it in place.
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Author: Dana
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176115
speaking of which... Bank of America is supposed to ALWAYS process the
deposits first. I count on this all the time, and if they didn't that is
bank error, my friend.
Dana
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Author: Dana
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176114
I ran into the process the largest debit thing before, but fortunately had
not had an overdraft for a while, so they wrote the charges off. It didn't
hurt that one of the charges was definitely due to their failure to process
a credit. The dollar eighty at a coffeehouse, plus five dollars for gas, I
guess they decided to be nice, I dunno. My argument at the time was that
those should go through then I would have have one overdraft (the largest
item) not three.
What they said was that the biggest debit is more likely to be an important
bill (rent, electricity) and that is what they do it that way, and sorry,
I'd have to eat the two charges. They never appeared though.
This was Bank of America, by the way. They seem to have a pretty firm policy
-- they will remove an overdraft charge *once* then after that it has to be
a bank error. They do make them though. I have had deposits go through as
withdrawals and all sort of funky stuff.
Try talking to the branch manager where you opened the account. She has to
be the one to take the charge off.
Dana
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176112
I have something like a 5 year history with this bank.
In that five years I have gone into overdraft like 3 times.
Can't they at least look at the pattern of the last five years and give a
nukka a break :)
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176110
ive got a novel idea...
COMPASSION on the part of the bank.
UNDERSTANDING that we the populace are not perfect mathematicians
LENIANCE in the face of downtrodden despair and lack of funds
A FUCKING CHANCE to get back on your feet once you are down.
seriously. if my acct is low on funds, and i happen to go into overdraft
does anyone at the bank seem to get the point that there is a reason there
are no funds? does taking more from someone who has nothing, make it
any better for EITHER PARTY?
WTF! i mean, it could almost make someone go postal. really.
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Author: Marlon Moyer
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176108
Yeah, I had this happen a couple of years back and it pissed me off
royally. We were told that they run the debits all day long, but the
deposits only get run after 2:00....at the very earliest it would be
2:00 we later found out. And magically they always run the largest
debits first that they can charge you $25.00 for that $10.00 check you
wrote at the grocery store that will now cost you $25.00(bank fee) +
$10.00 (original amount) + $25.00(grocery store fee) = $60.00.
Nowadays, if our "buffer" gets below $1000.00 I start worrying.
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Author: Jim Davis
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176105
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That sounds like a policy you should discuss with your new bank.
We keep our money in a money-market with checks (a combined savings and
checking) - there's a minimum balance to begin and you have to maintain it
to have "free" checks so it's harder to get into an overdraft position.
There are still fees for going below the minimum balance, but they're
(relatively) clear and not that bad (as long as you don't STAY under the
balance).
Jim Davis
Author: Short Fuse Media
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176096
No shit? Same exact god damn thing happened to me last week with my BoA
account - the bastards... after alot of posturing and yelling at
managers I got the charges erased.... personally, I blame the fact that
its still a Florida account.... that mattress of mine is looking better
and better for the bundling of bills each day... heh.
-Erik
Timothy Heald wrote:
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Author: Ian Skinner
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176090
It's all about being tough.
Matthew Small
That reminds me of one of my favorite stories from my mother. When she was a
young newly wed, she and my dad where traveling. She had a need for a bathroom,
so they pulled into a Phillips 66 gas station. The clerk would not let her use
the bathroom without a purchase, "company policy." She informed the clerk that
she would pick up the phone, make a call to her mother-in-law who saw the CEO of
Phillips everyday, and have her discuss the "policy" with him. Interestingly the
clerk immediately handed over the bathroom key. It was even true that she could
do this, as my grandmother was the operator of the executive elevator for the
Phillips 66 headquarters building. Saw all the top executives every day. :-)
--------------
Ian Skinner
Web Programmer
BloodSource
www.BloodSource.org
Sacramento, CA
"C code. C code run. Run code run. Please!"
- Cynthia Dunning
Confidentiality Notice: This message including any
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176089
We have got to get a coupla pints together one of these days man :)
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176087
I got them to scrub 3 of the charges because the way that the billing is
done is different than the way the the site displays things.
I had to fight with them for an hour, and go up three levels, just sickens
me.
I have a 'military' acocunt with them. WTF would they have done if I was
still in Afghanistan when this happened? 'I'm sorry your husband is off
fighting, so I don't have to, but theres nothing I cand'
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Author: JediHomer
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176088
And also about knowing who to complain to.
My grandfather once bought a slab of chocolate from the local asda
store. Found a piece of ceramic within it and sent the bar and
complaint off to Cadbury. They then sent back a letter of apology and
a basket of chocolate items worth around $75.
He was later in the store he bought it and mentioned it to the store
manager who said he should have told him, they would have gladly
replaced the bar.
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176086
Damn dude. You take any business math?
:) j/k
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Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176085
I got them to scrub 3 of the charges because the way that the billing is
done is different than the way the the site displays things.
I had to fight with them for an hour, and go up three levels, just sickens
me.
I have a 'military' acocunt with them. WTF would they have done if I was
still in Afghanistan when this happened? 'I'm sorry your husband is off
fighting, so I don't have to, but theres nothing I cand'.
Fuckers.
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Author: Matthew Small
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176084
Yes. A letter to George will get you throw in debtor's prison.
I had a problem with a part I ordered from Compaq. I called about a million
phone numbers trying to order a new power supply for a desktop computer. I
received a new PS for a laptop. I called back numerous times, only to be
told that since it had been more than 14 days since I received it, they
couldn't take it back. Keep in mind that I had been trying to FIND the
right place to call for more than 14 days since there was no documentation
in the box.
I ended up writing a letter to the Pres of Compaq. He had a personal
representative call me to straighten out the mess.
Another time, about 12 years ago, I went to Walmart ("Satisfaction
Guaranteed") and purchased some items for wrapping Christmas presents. I
got home and realized that they had left out the tissue paper from my bag -
a $1.29 item. I'd paid for it, and it was on the receipt, just not in any
of my bags. Additionally, I lived about 25 miles from the store.
I called the manager of Walmart and told him that I wanted him to send
someone to my house with the tissue paper since I was not going to drive 25
miles back there to get something I had paid for and was left out by the
clerk. He resisted, but when I asked him for the district manager's phone
number, he sent someone out to my house with my item.
It's all about being tough.
Matthew Small
really? a letter go gee dubya will help out here?
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is
> directly calculated to make the bank more money on the little guy when he
> hits a problem.
>
> Ok,
>
> So it's Friday a few weeks ago. We have a $500 balance. We do normal
> weekend stuff, go out, do our food shopping, rent some movies, order in
one
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100,
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176083
since i havent had a chance to say it lately,
FUCK THAT NEO CON FUCKING IDIOT GEORGE FUCKING FAGGOT BUSH!
:) me
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Author: Dawson, Michael
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176082
Just tell them you work for Halliburton.
really? a letter go gee dubya will help out here?
> Will they work with you on this? You have to be really tough on them.
> Close your account if you have to. Write a letter to the President.
> That will usually get you somewhere, but ONLY if your case is clearly
strong.
>
>
>
> Matthew Small
Author: Arturo Fuentes
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176079
really? a letter go gee dubya will help out here?
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Author: Dawson, Michael
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176080
Tony, I hope you have a good weekend. ;^)
what ive done now, is make my savings acct my overdraft acct, so that it
protects against fees!
fuck em still.
dickfaces.
tw
Author: Dawson, Michael
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176077
Time to switch to another bank.
We deal with this stuff at our credit union, too. We always make sure
we have just enough to cover our bills and not get the $25 overdraft
fee.
Also, they take out the $25 fee when they hit an overdraft. That means,
if you have another bill that needs even part of that $25, you are hit
again with another $25 because the first overdraft fee screwed up your
balance even more.
I can't wait until Bush's plan of "instantly" approving checks is
widely-used. I write paper checks a few days before payday just because
I know it will take a few days before the money is taken from my
account. If Bush's plan affects my area, I'm screwed even more than I
am now.
M!ke
Ok,
Seriously pissed off.
I know no one should ever go NSF on their bank account. I know this. I
understand that the bank charges for over draft, but this is insane, and
is directly calculated to make the bank more money on the little guy
when he hits a problem.
Ok,
So it's Friday a few weeks ago. We have a $500 balance. We do normal
weekend stuff, go out, do our food shopping, rent some movies, order in
one night. <cf_aside>Now we had deposited an 1800 dollar check on
Thursday</cf_aside>
Ok,
We're doing our checkbook last night. There are 4 different overdraft
charges on our account. 4.
There is only one listed overdraft transfer though. 300 something for
our groceries. Also the check cleared that day. According to what I
see through Bank of America's web interface before the overdraft
occurred.
So I call these douche bags. They say that they process debits than
they process deposits on Monday morning.
Wait wait it gets better.
Also they start at the largest debit and work there way down. Let me
explain this for the slower of you. You have 5 charges lets say. 300,
100, 40, 20, 10. You have 350 dollars. If you go biggest to smallest
the customer ends up with 4 overdraft charges, if you go the other way
around the customer only gets one. Also they double the price of the
overdraft charge if there are more than two of them. So not only do you
have no fucking money, you are now in debt to the bank.
Author: Charlie Griefer
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176074
my wife recently worked customer service at Wells Fargo, and says
they'll give you a certain number of "free passes" during a certain
time period. I'm sure this fluctuates from bank to bank...but
basically you can ask them to overturn the charges as a courtesy.
I think with Wells it was 2 in a 6 month period.
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176076
what ive done now, is make my savings acct my overdraft acct, so that
it protects against fees!
fuck em still.
dickfaces.
tw
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176069
i asked for immunity, got it for a couple times, and this most recent time,
NO DICE!
im in their system.
tw
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Author: Tony
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176068
dog.
im with ya.
fuck bank of america.
fuck overdraft charges.
its a joke, its a sham, and im a PROFESSIONAL at it.
it infuriates me to no fucking end.
i mean, really, cant we start pushing legislation that
ends this senseless means of pushin you down farther?
is there ANYTHING we can do?
we have had 8 before. thats our record!
tw
----- Excess quoted text cut - see Original Post for more -----
Author: Ian Skinner
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176067
Tell me about it. I caught a news bite last night while cannel surfing. Banks
made something like 12 BILLION with a "B" dollars on service fees in the last
year. Up 100%, ie DOUBLE, what the made the year before.
I really think this is getting out of hand. I just get my savings moved to a
credit union this last weekend. I'm hoping to move my checking in the near
future. My first choice is Washington Mutual. At least with them, one can opt
out of the "cash an overdraft check and charge on overdraft fee, thus digging an
even bigger whole so that the next five checks that come in do the exact same
thing."
Washington mutual allows you to say return the overdraft check, thus it is the
only one that causes a problem, as long as the check is larger then the overdraft
fee and you aren't trying to kite checks way over your funds.
--------------
Ian Skinner
Web Programmer
BloodSource
www.BloodSource.org
Sacramento, CA
"C code. C code run. Run code run. Please!"
- Cynthia Dunning
Confidentiality Notice: This message including any
attachments is for the sole use of the intended
recipient(s) and may contain confidential and privileged
information. Any unauthorized review, use, disclosure or
distribution is prohibited. If you are not the
intended recipient, please contact the sender and
delete any copies of this message.
Author: Matthew Small
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176066
Will they work with you on this? You have to be really tough on them.
Close your account if you have to. Write a letter to the President. That
will usually get you somewhere, but ONLY if your case is clearly strong.
Matthew Small
Ok,
Seriously pissed off.
I know no one should ever go NSF on their bank account. I know this. I
understand that the bank charges for over draft, but this is insane, and is
directly calculated to make the bank more money on the little guy when he
hits a problem.
Ok,
So it's Friday a few weeks ago. We have a $500 balance. We do normal
weekend stuff, go out, do our food shopping, rent some movies, order in one
night. <cf_aside>Now we had deposited an 1800 dollar check on
Thursday</cf_aside>
Ok,
We're doing our checkbook last night. There are 4 different overdraft
charges on our account. 4.
There is only one listed overdraft transfer though. 300 something for our
groceries. Also the check cleared that day. According to what I see
through Bank of America's web interface before the overdraft occurred.
So I call these douche bags. They say that they process debits than they
process deposits on Monday morning.
Wait wait it gets better.
Also they start at the largest debit and work there way down. Let me
explain this for the slower of you. You have 5 charges lets say. 300, 100,
40, 20, 10. You have 350 dollars. If you go biggest to smallest the
customer ends up with 4 overdraft charges, if you go the other way around
the customer only gets one. Also they double the price of the overdraft
charge if there are more than two of them. So not only do you have no
fucking money, you are now in debt to the bank.
arrrrrrrrrrrrggggggghhhhhhhh
Author: Timothy Heald
Short Link: http://www.houseoffusion.com/groups/cf-community/thread.cfm/threadid:18927#176064
Ok,
Seriously pissed off.
I know no one should ever go NSF on their bank account. I know this. I
understand that the bank charges for over draft, but this is insane, and is
directly calculated to make the bank more money on the little guy when he
hits a problem.
Ok,
So it's Friday a few weeks ago. We have a $500 balance. We do normal
weekend stuff, go out, do our food shopping, rent some movies, order in one
night. <cf_aside>Now we had deposited an 1800 dollar check on
Thursday</cf_aside>
Ok,
We're doing our checkbook last night. There are 4 different overdraft
charges on our account. 4.
There is only one listed overdraft transfer though. 300 something for our
groceries. Also the check cleared that day. According to what I see
through Bank of America's web interface before the overdraft occurred.
So I call these douche bags. They say that they process debits than they
process deposits on Monday morning.
Wait wait it gets better.
Also they start at the largest debit and work there way down. Let me
explain this for the slower of you. You have 5 charges lets say. 300, 100,
40, 20, 10. You have 350 dollars. If you go biggest to smallest the
customer ends up with 4 overdraft charges, if you go the other way around
the customer only gets one. Also they double the price of the overdraft
charge if there are more than two of them. So not only do you have no
fucking money, you are now in debt to the bank.
arrrrrrrrrrrrggggggghhhhhhhh
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May 17, 2012
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