Banks suck

[Doc Holliday]

I'm fucking irate. My banks fucking me sideways and I'm sick of it. Long story short, these mo-fo's put me -650 dollars in the hole in my account. That's like 3/4 of a fucking paycheck. No one there likes to help me so good 'ol corporate just got this email sent to them from me. I'm pissed. Hopefully, hilarity ensues for you guys. Either that or some male on male consoling.


There are no questions here, but you'll get your comments.

Whatever is going on with my bank account right now is ridiculous. I'll even go as far to say that it's fucking ridiculous. The way you people deal with customers is also fucking ridiculous. You guys basically nailed me with approximately 10 overdraft fees over the last couple of day that total close to 350 dollars. Oh, not to mention the overdraft protection that you guys relinquished from my credit card account thus, re-maxing it out. So we'll add 80 more dollars to that.

Now I've taken the liberty to hyperlink my account for you so it's all ready to go and you don't have to strain yourselves since you people don't like to work with customers anyways:

<a href="https:///das/cgi-bin/session.cgi?sessargs=Jv4sBlZkscr8uBxbNCSDO3wHEDcrB Ku9">
Here's where the bullshit ensues</a>

Besides, I want the most accurate page shown to you.

First off, notice the 10 overdrafts in the last couple of days. Let me tell you a story of how the downward spiral started. That 300 dollar return item charge. That was a rent check that my brother wrote to me. Riddle me this: Why in the hell was it placed in my account one day creating sufficient funds for me, then a day later, you guys took it back out? Yes, my brother did not have sufficient funds. But the money was sent back to him. How is it that HIS account doesn't go negative but MINE does and then incurs overdraft fees? Especially when he's done it before and been slapped with the fees. Nope, instead of hitting him with overdrafts you decide it would be nice to place the money back into his account and fuck mine up. Then, not only do you guys take it out of mine and slap me with the fees, you also slap another return item fee on my account which is great because I really like paying for other people bounced checks.

So then I go see a banker by the name of Nicole at the Bloomington Wells Fargo off of 98th and Lyndale. For all practical purposes, she was the NICEST one I've dealt with and the most HELPFUL to a point. I say to a point because she was nice enough to take off a few overdrafts after she heard the situation from me. But then the conversation went something like this:

Nicole: I'll take a couple of them off but it looks like you're going to be getting a few more.

Me: What?

Nicole: Yeah, it looks like more stuff posted to your account.

Me: You've got to be shitting me. I'm already negative 350 and I haven't used my check card for over a week and a half now. How the hell is stuff just now posting?

Nicole: Well some stuff just posts later than others.

Me: Well that's just fucking great.

-End of conversation

So you're telling me that when I use my card, stuff can and will post on my account weeks later? That's bullshit. Why is it that when I run my card at the pump at the gas station to fill up on gas, then go home 5 minutes later, I'll see it reflect on my bank account but when I make a purchase for work at Sports Authority, it takes 2 goddamn weeks to post? Lest we forget, I'm already in the negative so when this shit posts while I'm in the negative, I get the overwhelming joy of knowing that you guys just hit me with another 34 dollar overdraft fee. I call it robbery. Let me revert back to my online statement here. Oh look, I've got a 2 dollar purchase and a 3 dollar purchase that both posted on the 12th when I used my card way, way before that. So for one 2 dollar purchase, it costs me 34 dollars and a 3 dollar purchase, it costs me another 34 dollars. Yep, looks like robbery to me.

Here's another one for you. I wrote my girlfriend a 20 dollar check dated on the 3rd. She cashed it on the 5th. Riddle me this: why the hell did it post on the 13th? Oh wait, that's right, you guys hit me with another overdraft on that one. Christ, I'm so negative at this point in my account that it'll take an entire paycheck just to bring me back up to 0 dollars. Meanwhile, you guys just made some money on me. I should actually say stole.

Then we go on to customer service. Once again, I will direct your attention to the Bloomington Wells Fargo. After I find out I'm negative, I decide to go there to cash a check that I had so I'd have some type of currency on me and to attempt on fixing the abomination that is my bank account. I'm greeted by this young, Asian male at the counter. I give him my check to cash which he does. And before I even ask him about my account, he then says to me:

Teller: Are you aware of your account status?

Me: Of course I am. That's why I came in to cash this check.

Teller: Well sir, uuuummm, I can't do anything.

Me: What do you mean you can't do anything?

Teller: Uuuuuuhhhh

Me: Well I tell you what, you'd better start directing me to the person that can do something unless you want to get the earful I was saving for them.

Teller: Uuuuuuhhh, well here's a banker's card. Talk to her. She should be to take the overdrafts off. (Which was partly true)

-End converstation

Alright, now fast forward to a couple days later when I attempt at cashing a check through the drive thru:

Teller: Just cashing this check

Me: Yep

Teller: Uuuuuhhh, sir I'm going to need your account number.

Me: What? Why?

Teller: I need to verify that this is you.

Me: Ummmm, ok I guess. It's #######.......

Teller: Just one moment

-10 minutes later.......

Teller: Ummm sir, I can't cash this check.

Me: Why the hell not?

Teller: You're account is overdrawn.

Me: Yeah, I know this. Want to tell me why it took you 10 minutes to tell me this?

Teller: *Mutters something*

Me: Be kind enough to give me my shit back then so I can get out of here.

-End of conversation

Ok, first question: Why in God's name am I verbally having to yell my account number into the microphone for the teller when there are other vehicles around with their windows open who can hear me yelling it to her. Wow. Good job on the safe and secure banking part there guys. I've never had to do that before so why did I that day? I really hope someone wrote it down or memorized it because that would just be the tops. Second, explain to me why the guy gave me my cash when my account was already overdrawn then a few days later, this girl isn't cashing my check? Do tellers have mood swings that I'm not aware of that dictate them only handing out my money when they're in the mood? No one's on the same fucking page over there. Maybe the manager over there would prefer pulling his head out of his ass for a couple of minutes to see what the tellers are doing.

So bottom line is that I'm damn pissed. This is crap and I'm not going to put up with it. Someone better start fixing some things on my account and by fixing I mean: dropping fees and cashing shit in a timely manner because I'm not going to let you guys keep stealing MY EARNED money away from me. And when I say fixing, I mean like right now. None of this weeks crap. I'll tell you what, I'm a member of the Hiway Federal Credit Union and the Richfield/Bloomingtom Credit Union and I certainly don't have to deal with this shit over there. If this is the kind of way that you mess with customers then I'll just pull the plug on all my accounts with Wells and move it over to someone that isn't going to screw with me. It would be a lot easier that way.

It's funny, I've banked with you people for 8 years now and everyone that I've told that I bank with Wells Fargo thinks I'm nuts. They all think that you people mess up on a constant basis and have shitty customer service. Up until this point I chastised everyone that said bad things. Now I totally see their points.

If I could've sent a picture of this with it, I would've:

[P. Gorath]

Welcome to the world of banking. You screwed yourself. Nothing in there sounds like the bank did anything out of the ordinary. It was your brother's fault for writing you a bad check, and your fault for spending the money before the check cleared (which is different than it "showing up" in your account). Stuff always ends up posting to your account later - that's why you need to keep up with your finances on paper or at least have a general idea of all outstanding withdrawls, not to mention you should keep a safety sum of money in your checking to protect yourself, plus your savings account should be linked so when overdraft occurs it takes it out of savings.

The big problem here isn't the miniscule overdraft fees, it is that you just *#($*#ed your credit history for the forseeable future.

live and learn, though

[DS]

This is why I tend not to fuck with debit cards and bank accounts. I keep my transactions simple and as close to my budget as possible. One time I went under $30 with Commerce and they took 20 away from me. I let that happen ONCE. And that was it.

And yeah, some transactions take too long to post up when you wanna check up on your purchases. Banks are grimey like that.

[PsychoMistress]

Ok, first question: Why in God's name am I verbally having to yell my account number into the microphone for the teller when there are other vehicles around with their windows open who can hear me yelling it to her. Wow. Good job on the safe and secure banking part there guys.

Write the account number on the back of your check under your signature.

So you're telling me that when I use my card, stuff can and will post on my account weeks later? That's bullshit. Why is it that when I run my card at the pump at the gas station to fill up on gas, then go home 5 minutes later, I'll see it reflect on my bank account but when I make a purchase for work at Sports Authority, it takes 2 goddamn weeks to post?

You can thank where ever you shop for that. Some places only process plastic payments once a week or whatever.

[Doc Holliday]

Welcome to the world of banking. You screwed yourself. Nothing in there sounds like the bank did anything out of the ordinary. It was your brother's fault for writing you a bad check, and your fault for spending the money before the check cleared (which is different than it "showing up" in your account). Stuff always ends up posting to your account later - that's why you need to keep up with your finances on paper or at least have a general idea of all outstanding withdrawls, not to mention you should keep a safety sum of money in your checking to protect yourself, plus your savings account should be linked so when overdraft occurs it takes it out of savings.

The big problem here isn't the miniscule overdraft fees, it is that you just *#($*#ed your credit history for the forseeable future.

live and learn, though

This stuff normally doesn't happen to me which is why I'm about ready to eat a bullet. And yes, his check cleared meaning the money was PHYSICALLY in my account. And no, I don't balance a check book or keep a register which is absolutely my fault.

Miniscule draft fees? Say that when you've accrued close to a dozen.

Point is I most likely would've gone over anyways but the extent on which it happened is what kills me and how it happened. I've never had anything like that happen before.

Live and learn for sure.

[PsychoMistress]

This stuff normally doesn't happen to me which is why I'm about ready to eat a bullet. And yes, his check cleared meaning the money was PHYSICALLY in my account. And no, I don't balance a check book or keep a register which is absolutely my fault.

Miniscule draft fees? Say that when you've accrued close to a dozen.

Point is I most likely would've gone over anyways but the extent on which it happened is what kills me and how it happened. I've never had anything like that happen before.

Live and learn for sure.

You say the check gave you sufficient funds the day you deposited, and the next day they took it back?

A check takes 8-10 days to clear usually. The bank may have fronted you part of the check as a courtesy, but checks don't clear for the whole amount in a day.

Edit: Well, your writing isn't the clearest so it's hard to tell whether you meant day one or just a random day.

Either way, a check won't clear if an account is ISF, like your brother's account. Sounds like the bank just fronted the money out of good grace.

[AkumaTX]

take your check to where they cash it, like one of those corner stores :) and then deposit it. Thats what i always do with anyones checks. Everything i do is always direct cash deposit cause what happened to you happened to my parents but with 15,000. Of course it worked out in the end for them cause banks are nicer with people when more money is involved.

[ducvader]

Banking is easy dude - keep your checkbook balanced and don't spend anything you don't have. Of course it can take 2 weeks for a transaction to post because that's the time frame businesses are allowed when doing these things. Some business take 2 weeks while others take 1 day - it depends.
I've never banked with wells fargo but I wouldn't be their customer - I'm happy with my Washington Mutual account.

[Doc Holliday]

Write the account number on the back of your check under your signature.


Never have had to do that. That's what the license and the video feed are for. It wasn't going into my account, I wanted cash.

You say the check gave you sufficient funds the day you deposited, and the next day they took it back?


Well I don't know what you mean by fronted but with my bank when I check it online, it'll show the current balance and then the available balance. The available balance is the real time reflection of my account. That's what showed up with the proper funds. Besides that, they also will put parenthesis around the items that haven't cleared yet and that don't reflect on the available balance. His check didn't have those around it. It cashed and then was taken out.

[Devil X]

A lot is not the fault of the bank.

About the charges coming in at different times, that has a lot to do with the stores that are charging you. some work faster than others.

[Carpet Lint]

Why would you write a letter full of f-bombs to customer service requesting help?

It's like you want them to ignore you.

This is news for a lot of people...but you can't talk in the real world the way you talk on SRK.

[Doc Holliday]

Why would you write a letter full of f-bombs to customer service requesting help?

It's like you want them to ignore you.

This is news for a lot of people...but you can't talk in the real world the way you talk on SRK.

Actually, that's how I got out of bullshit with Nextel. I wrote a heated letter to them when they were trying to stiff me with an early cancellation fee and threatening collections on me. Truth was, their service was shit and they didn't hold up their end of the contract. I tried the nice guy stuff first and it didn't work with them so then I did kind of what I did with this email. They just let the cancellation fee go and never hassled me again.

I admit, I wrote it in anger but you get alot more done when you're assertive.

<-- And when you start balancing a checkbook.

Oh, I also talk alot worse on SRK. This is real life shit for me.

[PsychoMistress]

Never have had to do that. That's what the license and the video feed are for. It wasn't going into my account, I wanted cash.



Well I don't know what you mean by fronted but with my bank when I check it online, it'll show the current balance and then the available balance. The available balance is the real time reflection of my account. That's what showed up with the proper funds. Besides that, they also will put parenthesis around the items that haven't cleared yet and that don't reflect on the available balance. His check didn't have those around it. It cashed and then was taken out.

It shouldn't matter whether you were gonna cash it or deposit it. Drive-thru tellers are usually reserved for account-holders only, so they have to verify that you have an account before they can do anything with a check. Using either ID or account number is teller's choice, but most require your account number.

Fronted means they go ahead and put a certain amount of your tender into your account so you have access to it right away. When the item clears, you get the rest.

I've never heard of banks giving 100% on the front, but it's possible. That's why you should always wait 8-10 days on a personal check.

What you really should have done is cash the check at Wal-mart or something, and then deposit the cash into your account. This way you would have gotten your money, and your brother would have owed his bank all that money.

I don't see balancing a checkbook as your problem. Your brother is your problem. He needs to pay cash from now on.

[Doc Holliday]

Why would you write a letter full of f-bombs to customer service requesting help?

It's like you want them to ignore you.

This is news for a lot of people...but you can't talk in the real world the way you talk on SRK.

You know what lint, you've got a point. Thankfully the first email didn't go through so I cleaned up the profanity for the MOST part.


It shouldn't matter whether you were gonna cash it or deposit it. Drive-thru tellers are usually reserved for account-holders only, so they have to verify that you have an account before they can do anything with a check. Using either ID or account number is teller's choice, but most require your account number.

Fronted means they go ahead and put a certain amount of your tender into your account so you have access to it right away. When the item clears, you get the rest.

I've never heard of banks giving 100% on the front, but it's possible. That's why you should always wait 8-10 days on a personal check.

What you really should have done is cash the check at Wal-mart or something, and then deposit the cash into your account. This way you would have gotten your money, and your brother would have owed his bank all that money.

I don't see balancing a checkbook as your problem. Your brother is your problem. He needs to pay cash from now on.

And I'm not arguing verifying my I.D. My point is that they've never done it that way before and I've been hitting the drive-thru for 8 years now. For cash, it's always been just the I.D. and sign the back of the check. Hell, they were doing it that way BEFORE the video feeds. Now, all they have to do is see my bright and shiny face then match it up with my license. It's unsecure to ask for someones account number over the intercom. I should've just told her to screw but I wasn't thinking at the time.

As far as the fronted part, I wouldn't lie about it. I saw funds in my account otherwise I wouldn't have touched it. But the walmart idea is a good one.

As far as my brother, this isn't the first time he's done it. And he got a boot in the ass when I found out.

[Stuckey]

Bank of America used to LOVE me when I was younger. I had insufficient funds up the ass because of the dates that shit posted. I figured they were crooked and cursed out tellers, sent harsh e-mail, etc.

Then I started keeping up with my loot on paper. Online banking is the devil. Keep a bankbook homes. And punch your brother in the mouth.

[Doc Holliday]

And punch your brother in the mouth.

That's too good for him.

He's getting the Cock Punch.

[tajiri]

bank of america loves to give credit cards to illegal imigrants, but oddly enough, i was never approved for a boa credit card.

</3

[<---SiNN--->]

robbed my bank,i had no problem with them sense.

[PsychoMistress]

You know what lint, you've got a point. Thankfully the first email didn't go through so I cleaned up the profanity for the MOST part.




And I'm not arguing verifying my I.D. My point is that they've never done it that way before and I've been hitting the drive-thru for 8 years now. For cash, it's always been just the I.D. and sign the back of the check. Hell, they were doing it that way BEFORE the video feeds. Now, all they have to do is see my bright and shiny face then match it up with my license. It's unsecure to ask for someones account number over the intercom. I should've just told her to screw but I wasn't thinking at the time.

As far as the fronted part, I wouldn't lie about it. I saw funds in my account otherwise I wouldn't have touched it. But the walmart idea is a good one.

As far as my brother, this isn't the first time he's done it. And he got a boot in the ass when I found out.

They may have changed policy behind your back.

I'm not saying you lied, I just don't know Wells Fargo's policy on checks.

Them clearing a check is like saying, "Ok, the money is yours." If anything goes wrong after that point, they should be responsible since it's their responsibility to confirm shit before they clear the check.

Actually, I'm starting to think that your brother may have put a stop-payment on the check, or claimed it fraudulent. These are the only circumstances that I know of that would reverse a cleared check. I could be wrong though.

[Doc Holliday]

They may have changed policy behind your back.

I'm not saying you lied, I just don't know Wells Fargo's policy on checks.

Them clearing a check is like saying, "Ok, the money is yours." If anything goes wrong after that point, they should be responsible since it's their responsibility to confirm shit before they clear the check.

Actually, I'm starting to think that your brother may have put a stop-payment on the check, or claimed it fraudulent. These are the only circumstances that I know of that would reverse a cleared check. I could be wrong though.

What's a "stop payment"? I've heard him mention it before.

[PsychoMistress]

A stop payment is basically someone making the check null and void AFTER it's left their hands. A voluntary bounce, if you will.

There are limits to it though, and I don't know Wells Fargo's policy on that either. Some banks have protection that allows a full reversal even after the check has cleared (much like a credit card reversal).

[Doc Holliday]

Motherfucker. I'll bet he did that then. He's done stop payments before and he knew he didn't have the funds to cover me.

Cock Punches will ensue when I get home.

[Chaotic Blue]

banks are the worse institution since insurance companies. One time i got 2 overdraft fees for bouncing one check. That very day i took all my money out, pissed on the tellers forehead and went straight to wescom credit union.

[arcticninja]

If I got an email like that at work, I'd probably just put it in a "no reply needed" folder and have it deleted.

Your email is full of irrelevant nonsense. You don't need to tell them the story of why you're so bad at managing your finances, just ask for an accomodation to waive a few fees. Your account isn't at the Bank of the Internets, so be a little more professional.

bottom line is that this whole situation is your fault for not paying attention to your own account, so don't expect a whole lot of sympathy.

[PsychoMistress]

Motherfucker. I'll bet he did that then. He's done stop payments before and he knew he didn't have the funds to cover me.

Cock Punches will ensue when I get home.

Lol don't jump the gun on him just yet. These are just my personal speculations, and I could be wrong.

But, for him not to incur any charges to his account is suspect. If he is a repeat offender like you say, then he shouldn't be elgible for Overdraft Protection and he should have incured at least some kind of charge for a bounced check.

Maybe you could give his bank a call (if you have his personal information) and see if he's lied to you or not.

In online banking, there should be a picture of his check. Call his bank and inquire about check number XXX.

[Satomiblood]

Profanity aside, did you actually say riddle me this in any of these conversations?

[R | C]

I hate certain banks as well. I do most of my financial dealings at a local Credit Union now.

They're smaller, more friendly, more efficient, and offer higher interest rates on regular accounts as well as investment accounts such as CDs.

I only keep a bank account around for small emergency atm funds / debit card purchases.

[Doc Holliday]

If I got an email like that at work, I'd probably just put it in a "no reply needed" folder and have it deleted.

Your email is full of irrelevant nonsense. You don't need to tell them the story of why you're so bad at managing your finances, just ask for an accomodation to waive a few fees. Your account isn't at the Bank of the Internets, so be a little more professional.

bottom line is that this whole situation is your fault for not paying attention to your own account, so don't expect a whole lot of sympathy.

Deleting my email is only going to draw more attention to the bank when I notice that I don't get a response and then the bank will get phone calls from me which won't be much better. I sure hope you don't do that wherever you work. You have to remember, I'm not picking people out individually so if you work at a company and someone writes a nasty email to the COMPANY, you taking it personally and trashing it is fucking stupid. Not only that, I would assume you'd get your ass in trouble for doing that.

Not that it matters though because read what I wrote to Lint. I cleaned it up because I was wrong about being such a dick. And I never claimed to be a stock broker with my finances. I'm not. I typically live paycheck to paycheck until I finish college and make a little more. But I've never gone 650 in the hole. So when 300 dollars is given to me and then taken a day later, it ruins my shit and I tend to get a little sore. And the tellers at the bank irritated me with the stuff they did. Irrelevant to you, not to me.


Lol don't jump the gun on him just yet. These are just my personal speculations, and I could be wrong.

But, for him not to incur any charges to his account is suspect. If he is a repeat offender like you say, then he shouldn't be elgible for Overdraft Protection and he should have incured at least some kind of charge for a bounced check.

Maybe you could give his bank a call (if you have his personal information) and see if he's lied to you or not.

I'll bet he did though. And he didn't get charges for what happened from that I know of. And I don't know how I'd be able to pull off getting the bank to give me his account info. That's pretty confidential stuff. My bank won't even work with me on the phone. I have to go in and talk to someone.

[CoMpOuNd]

H82 I'll help you rob this bank. We'll get your money back and more.

Don't cry, dry, your eye[/slick rick]



breakdance?
word.

[Doc Holliday]

Profanity aside, did you actually say riddle me this in any of these conversations?

It was an email. And yes I did.


H82 I'll help you rob this bank. We'll get your money back and more.

Don't cry, dry, your eye[/slick rick]



breakdance?
word.

Right on brother

[SirFritzalot]

And here I was expecting some G-unit bashing...

-Fritz:bluu:

[PsychoMistress]

I'll bet he did though. And he didn't get charges for what happened from that I know of. And I don't know how I'd be able to pull off getting the bank to give me his account info. That's pretty confidential stuff. My bank won't even work with me on the phone. I have to go in and talk to someone.

You're not really asking for all of his account info. You just want to do a check inquiry.

You have his check, so that gives you his account number, routing number, and check number. Just call and ask for check status on the check number. You were the receiving party, so they should tell you why the funds were yanked from your account. If not, ask them to send your bank the info and you can get it from them.

Businesses do it all the time to confirm shit. I did a lot of check inquiries for NBC Universal, and most times the banks were very helpful.

If you're calling your local branch for help, try calling their national 800 number instead. They should have all the same information.

[ShinkuuR]

So you're telling me that when I use my card, stuff can and will post on my account weeks later? That's bullshit. Why is it that when I run my card at the pump at the gas station to fill up on gas, then go home 5 minutes later, I'll see it reflect on my bank account but when I make a purchase for work at Sports Authority, it takes 2 goddamn weeks to post?


Here's what I was taught about it.

Your card can either be used for debit OR credit, and it depends (mostly but I'm not 100% sure) on how they scan and charge the card.

As my rule of thumb, if you have to sign for it then it's a credit charge, and it can take up to whatever amount of days to deduct from your account. Most resturants do this. On some ATM's that I see, you can take out money as a credit instead of a debit(if the ATM is from your bank I believe), but I don't have any experience dealing with that.

If you don't have to sign for a purchase than it's a debit charge and they should take it from your account as soon as it happens. Most gas stations do this. It's the most stress free way to go, but just make damn sure you don't have any pending charges in your account.

Also, some banks(at leas Wachovia does) place holds on some of your credit charges. This means that you guarantee that the funds will be in the account before it gets taken out, and to get an accurate balance you have to deduct the hold amounts from your balance.

Remember, banks mainly make their money from beastly overdraft fees, so they are pretty ruthless with those shits. Here are some things I do to help me prevent that crap.

-regularly check your balance!!! If you can call your bank and get balances and info from your cell phone, check that shit before and after each notable(and not so notable if you're scrapped for cash) purchase.

-Have some cash on hand for purchases. It just makes shit alot simpler, and you don't have to worry about credit purchases and holds.

-If at all possible, avoid using ATM's from any other bank besides your own. Not only will that bank charge you a fee for using their atm, but your OWN bank will too. Plus, the bank(at least mine does) will take that money out at a certain day of the month, and that might screw up your accounting. PLUS you're giving away money, and I hate that shit.


If anyone can correct me or give more input, feel free. I hate when banks get over on people.:mad: :mad:

[Darkside3024]

robbed my bank,i had no problem with them sense.

That's how we do it in Bama.

[Doc Holliday]

Here's what I was taught about it.

Your card can either be used for debit OR credit, and it depends (mostly but I'm not 100% sure) on how they scan and charge the card.

As my rule of thumb, if you have to sign for it then it's a credit charge, and it can take up to whatever amount of days to deduct from your account. Most resturants do this. On some ATM's that I see, you can take out money as a credit instead of a debit(if the ATM is from your bank I believe), but I don't have any experience dealing with that.

If you don't have to sign for a purchase than it's a debit charge and they should take it from your account as soon as it happens. Most gas stations do this. It's the most stress free way to go, but just make damn sure you don't have any pending charges in your account.

Also, some banks(at leas Wachovia does) place holds on some of your credit charges. This means that you guarantee that the funds will be in the account before it gets taken out, and to get an accurate balance you have to deduct the hold amounts from your balance.

Remember, banks mainly make their money from beastly overdraft fees, so they are pretty ruthless with those shits. Here are some things I do to help me prevent that crap.

-regularly check your balance!!! If you can call your bank and get balances and info from your cell phone, check that shit before and after each notable(and not so notable if you're scrapped for cash) purchase.

-Have some cash on hand for purchases. It just makes shit alot simpler, and you don't have to worry about credit purchases and holds.

-If at all possible, avoid using ATM's from any other bank besides your own. Not only will that bank charge you a fee for using their atm, but your OWN bank will too. Plus, the bank(at least mine does) will take that money out at a certain day of the month, and that might screw up your accounting. PLUS you're giving away money, and I hate that shit.


If anyone can correct me or give more input, feel free. I hate when banks get over on people.:mad: :mad:

Good solid info and advice as opposed to the "you've got your finances in the shit" response I've gotten a couple of times in this thread. I fucking know that. I don't need you telling me something I already know.

See, some of that stuff that you listed, I didn't know. I'm not hip to the way banks work except that I put money into my account, then take it out if I need it. That's the extent of my knowledge. Ignorance isn't an excuse though and I should educate my shit on this so I'm thankful for the helpful responses I'm getting.

[KING]

you're a fucking dumbass. GGPO.

learn to save more money you douche.

[Doc Holliday]

^
Who the fuck are you?

Get out of here you cocksmoker.

[tajiri]

"felcher" is a funny insult, imo.

[arcticninja]

Deleting my email is only going to draw more attention to the bank when I notice that I don't get a response and then the bank will get phone calls from me which won't be much better. I sure hope you don't do that wherever you work. You have to remember, I'm not picking people out individually so if you work at a company and someone writes a nasty email to the COMPANY, you taking it personally and trashing it is fucking stupid. Not only that, I would assume you'd get your ass in trouble for doing that.

Not that it matters though because read what I wrote to Lint. I cleaned it up because I was wrong about being such a dick. And I never claimed to be a stock broker with my finances. I'm not. I typically live paycheck to paycheck until I finish college and make a little more. But I've never gone 650 in the hole. So when 300 dollars is given to me and then taken a day later, it ruins my shit and I tend to get a little sore. And the tellers at the bank irritated me with the stuff they did. Irrelevant to you, not to me.




you have to understand that the person reading your email is not going to care to read a play-by-play of some conversation you had with a random teller. It's ultimately irrelevant to what you're trying to get done, which is have a few fees waived.

the person reading your email is likely going to have a lot of discretion as to whether or not to grant you an accomodation, so making your email long-winded and full of completely irrelevant information (I'm sure it's very important to *you*, but the person reading it doesn't care) isn't helping your cause.


All you have to do acknowledge that you made a mistake, and ask for some leniency with the fees. Unless they're total assholes, they'll probably waive at least some of the fees.

[Doc Holliday]

All you have to do acknowledge that you made a mistake, and ask for some leniency with the fees. Unless they're total assholes, they'll probably waive at least some of the fees.

I know what you mean with the play-by-play. That's just me being a cock so you're right. I could probably just sum all this stuff up instead.

These people are that nice and will do that without me having to suck someone off? If you're right, we'll try it that way then.

[arcticninja]

I do work for a bank, I used do this all the time. I'm much more likely to give a break to someone who is polite and reasonable than someone being an asshole. :)

I'm glad I'm not in customer service anymore and I don't have to deal with deadbeats like you anymore. j/k :lovin:

[Doc Holliday]

I do work for a bank, I used do this all the time. I'm much more likely to give a break to someone who is polite and reasonable than someone being an asshole. :)

I'm glad I'm not in customer service anymore and I don't have to deal with deadbeats like you anymore. j/k :lovin:

Well shit arctic, I'll just hire you on as my rep and you can call the bank on my behalf to wheel and deal for me. :tup: :lol:

[Bounce]

2 words: credit union

[SF Punker]

I work for the online customer support for a credit union here and responding to emails like the one you just wrote is something I do on a daily basis. First of all, whoever gets your email is surely going to just laugh and pass it amongst the other online reps. Second, they are going to send you an email response pretty much including a lot of what the other SRK'rs here have already told you (i.e. charges from merchants can post later, partial funds from checks being made available but the rest clear later, etc etc...). If your brother didn't receive any fees from the check bouncing, then he probably did place a stop payment on the check but the bank should be able to tell you whether or not it was stopped. But I really don't have anything else to contribute that other posters here haven't already covered. It is sad but true that a lot of people out there don't know about how banking and funds work because they don't HAVE to, until the shit hits the fan like what happened in your case. Only THEN do they learn.

[Shin-Mech-Brian]

I go through Washington Mutual for my banking and their service is pretty nice. the only fees I pay are what bounces, period. The only time I got pissed at them was this past week because they decided to put my check on a 7-day hold because of some overdrafts. But since they don't count weekends it turns into 10 days, and I just wrote my rent check too.

Even if I cashed the check and deposited cash, they said they'd still hold it. WTF for? Put the fucking money in the account to pay for what's been overdrafted and let the rest of my shit clear!

No matter where you go, banks are going to fuck you because that's the business they're in. They make more money off our return fees than they do what deposits and move through one account another. Check different banks and see who charges the least amount of fees and go with it.

[CyntalanMaelstrom]

Oh how I hate Wells Fargo lately. They were fine until the last year or so, and then their "policies" have gone to hell. Every 3 months, I watched their overdraft fees go a dollar higher. A year ago, it was $30, now it's $34. The final straw was last month, when a $10 charge popped up pending that was not supposed to be charged (a cancelled service). The person realized the mistake and promptly cancelled the charge while it was still in pending. I was pretty close to the limit and had already made a couple charges BEFORE this $10 was made. Now here's where it got ridiculous. All three of these charges were in pending status, with the $10 mistake charge a day later than the rest. The $10 charge triggered first, causing the second charge to overdraft from my savings (a $10 charge), there wasn't $10 in the savings let alone enough to cover the overdraft. So their $10 charge became a $34 overdraft as well. The third charge came in, another $34 shot in the arm. 3 hours later, the $10 mistake charge got cancelled. The $78 in overdrafts coupled w/ the funds comp'd for the lack of actual funds left me dumbfounded. It was $80+ that should never have been, all because the charge that came a day later went through. Now, at the end of the statement month, (the following day) they gave me a 1 cent interest from what USED to be in the savings. Of course, this meant that they could transfer the penny for the overdrafts! $10 overdraft transfer from savings, $34 overdraft for the overdraft. Needless to say, the final charge from the "Daily overcharge" fees before they just froze the account came to around $150. After that lousy $44 for the penny interest, I basically gave up my original plan of fighting it all and just went to Washington Mutual. Fuck Wells Fargo.

[Zero]

I used to work customer service over the phone and online for HSBC Bank for 3 years and I will play backup and say that PsychoMistress, articninja, SF Bunker are all on point with their statements.

And I would especially like to support what SF Bunker said since I used to have the same job type he currently has. If I got your e-mail message, and after seeing that some NSF fees were already waived, I would give a startard response along the lines of this:

Thank you for your e-mail to <insert bank name here>.

<insert bank name here>'s policy is to ensure that our customers receive the utmost levels of customer service. We appreciate all feedback, both good and bad, as it helps us evaluate and improve the quality of the service we provide.

<insert general explanation of funds availability and verification procedures here>

We are unable to waive your insufficient funds fees as you already had an insufficient funds fee waiver in recent history.


Since the bank isn't really at fault (their Terms and Conditions will probably cover all their bases here), your vicious e-mail will likely fall on deaf ears.


And one other thing, about giving your account number outside, it doesn't matter if someone hears it. No one can do anything to steal your money or identity with just your deposit account number alone. Remember, every check you write has your account number on it, so it isn't like you're really hiding it from the world anyway.

[TheSix]

I feel you on all this shit. It's always those places that don't charge you until 2 weeks later that fucks you over. I've learned to just hold off on all card transactions until everything is updated. I go into overdraft on a constant basis....damn right you live in learn.

Oh and let me tell you, it's even more bullshit at Washington Mutual. At least for me it is.

PS - Jack in the Box takes 3 weeks to charge you. FUCK JACK IN THE BOX!

[Lv.32 Z-Ism Rose]

It also goes without saying: dont take any more checks from your brother.

[SF Punker]

I used to work customer service over the phone and online for HSBC Bank for 3 years and I will play backup and say that PsychoMistress, articninja, SF Bunker ...

Bunker? I know I'm not part of the SRK elite but damn...

[Septimus Prime]

The way you wrote your email, it's like you didn't want them to help you. And you were angry? Yeah, that's going to justify your stupidity. :rolleyes: You're not a child anymore.

[DaDesiCanadian]

Am i the only one who loled at the fact he tried to link to an online banking session?

[DevilJin 01]

Well I work at a bank so generally I'm going to be more partial to the bank. First off...debit cards can get you in trouble real quick. Try to stay away from making small dollar purchases. A lot of the time people get screwed over with their bank cards is because they go to pay for a Red Bull and a pack of gum at the gas station. It's maybe 3 plus dollars at most but when other stuff is coming through and you have less than a 100 dollars in your account...you forgot that you had just withdrawn some extra money and something else was gonna post that night. Then your 3 dollar purchase comes through and your account goes overdrawn with a fee. All over 3 stupid dollars. 3 dollars that you could have paid with 3 dollars in cash and saved yourself the trouble.

[SupraFist]

1 - never link your account... now all someone has to do is figure out 2 or more token questions and your screwed.

2 - This wasn't the banks fault but your brothers for giving you a bad check. If i was the banker, according to policy, she shoudn't have reversed any of the fees so she definitly did it out of courtesy.

3 - Transactions with gas stations clear faster because they are constantly sending info back and forth with banks or credit card companies. Place like sports authority or dept stores take sveral day to refund your money depending on the working day. Try to buy something and return it the same day anytime in the evening... you'll probally won't see the money for 3-5 days if not longer.

4 - When covering your overdrafts, always use cash for it. Cash will credit to your account immediatly while checks will either take overnight or second day according to what time you deposited.

5 - The person who cashed you the check probally did it as a favor for you the first time. According to the banks policy, the check you wanted to cash can only be deposited and not cashed. Not to mention, the bank was required to put a hold on that check for serveral days. So that was another favor they did for you. The second person who didn't cash the check for you did the right thing. If it was another check that bounced, you would've gotten another return item fee and the teller would have gotten in trouble also.

6 - KICK YOUR BROTHERS ASS!!! My guess is that he wrote the check to you knowing he didn't have enought just to get you off his back. Shady....

Overall - the bank was not at fault at all. They bent over backwards for you and did a lot of things that they were NOT suppose to do. So go kick your brothers ass.

Note to everyone else who overdrafts and don't like overdraft fees. STOP OVERDRAFTING!!! STOP SPENDING MONEY YOU DON'T HAVE! YOUR SPENDING THE BANKS MONEY WHICH IS TECHNICALLY STEALING. EVERDRAFT FEES ARE MEANT FOR YOU TO LEARN AND BALANCE YOUR SHIT! THE BANK IS NOT THERE TO BABYSIT YOUR ASS!

[Satomiblood]

It was an email. And yes I did.

:rofl:

[Doc Holliday]

Oh how I hate Wells Fargo lately. They were fine until the last year or so, and then their "policies" have gone to hell. Every 3 months, I watched their overdraft fees go a dollar higher. A year ago, it was $30, now it's $34. The final straw was last month, when a $10 charge popped up pending that was not supposed to be charged (a cancelled service). The person realized the mistake and promptly cancelled the charge while it was still in pending. I was pretty close to the limit and had already made a couple charges BEFORE this $10 was made. Now here's where it got ridiculous. All three of these charges were in pending status, with the $10 mistake charge a day later than the rest. The $10 charge triggered first, causing the second charge to overdraft from my savings (a $10 charge), there wasn't $10 in the savings let alone enough to cover the overdraft. So their $10 charge became a $34 overdraft as well. The third charge came in, another $34 shot in the arm. 3 hours later, the $10 mistake charge got cancelled. The $78 in overdrafts coupled w/ the funds comp'd for the lack of actual funds left me dumbfounded. It was $80+ that should never have been, all because the charge that came a day later went through. Now, at the end of the statement month, (the following day) they gave me a 1 cent interest from what USED to be in the savings. Of course, this meant that they could transfer the penny for the overdrafts! $10 overdraft transfer from savings, $34 overdraft for the overdraft. Needless to say, the final charge from the "Daily overcharge" fees before they just froze the account came to around $150. After that lousy $44 for the penny interest, I basically gave up my original plan of fighting it all and just went to Washington Mutual. Fuck Wells Fargo.

Yeah, I might be done with them.


I feel you on all this shit. It's always those places that don't charge you until 2 weeks later that fucks you over. I've learned to just hold off on all card transactions until everything is updated. I go into overdraft on a constant basis....damn right you live in learn.

Oh and let me tell you, it's even more bullshit at Washington Mutual. At least for me it is.

PS - Jack in the Box takes 3 weeks to charge you. FUCK JACK IN THE BOX!

Live and learn. I'm not using my card anymore. Straight up cash like the Mafia.


It also goes without saying: dont take any more checks from your brother.

That's already been relayed to him.


The way you wrote your email, it's like you didn't want them to help you. And you were angry? Yeah, that's going to justify your stupidity. :rolleyes: You're not a child anymore.

Like I said TWICE before. I changed it after Lint called me out. I was pissed when I wrote it. My anger got the best of me. That's NOT was I sent out to the bank. For the record though, all profanity aside and as a general rule of thumb, you get farther in life being assertive. Just watch the Spongebob episode on it.


Am i the only one who loled at the fact he tried to link to an online banking session?

That was me being a dick to the bank. Or trying anyways. I know damn well that they don't need that. They can pull it up on their own. I don't even know if it works as the page expires when inactive too long.


Well I work at a bank so generally I'm going to be more partial to the bank. First off...debit cards can get you in trouble real quick. Try to stay away from making small dollar purchases. A lot of the time people get screwed over with their bank cards is because they go to pay for a Red Bull and a pack of gum at the gas station. It's maybe 3 plus dollars at most but when other stuff is coming through and you have less than a 100 dollars in your account...you forgot that you had just withdrawn some extra money and something else was gonna post that night. Then your 3 dollar purchase comes through and your account goes overdrawn with a fee. All over 3 stupid dollars. 3 dollars that you could have paid with 3 dollars in cash and saved yourself the trouble.

And that's the kind of shit I do. I use my card for EVERYTHING. I NEVER use checks unless I have to and I never pull cash. That's about to change.


1 - never link your account... now all someone has to do is figure out 2 or more token questions and your screwed.

2 - This wasn't the banks fault but your brothers for giving you a bad check. If i was the banker, according to policy, she shoudn't have reversed any of the fees so she definitly did it out of courtesy.

3 - Transactions with gas stations clear faster because they are constantly sending info back and forth with banks or credit card companies. Place like sports authority or dept stores take sveral day to refund your money depending on the working day. Try to buy something and return it the same day anytime in the evening... you'll probally won't see the money for 3-5 days if not longer.

4 - When covering your overdrafts, always use cash for it. Cash will credit to your account immediatly while checks will either take overnight or second day according to what time you deposited.

5 - The person who cashed you the check probally did it as a favor for you the first time. According to the banks policy, the check you wanted to cash can only be deposited and not cashed. Not to mention, the bank was required to put a hold on that check for serveral days. So that was another favor they did for you. The second person who didn't cash the check for you did the right thing. If it was another check that bounced, you would've gotten another return item fee and the teller would have gotten in trouble also.

6 - KICK YOUR BROTHERS ASS!!! My guess is that he wrote the check to you knowing he didn't have enought just to get you off his back. Shady....

Overall - the bank was not at fault at all. They bent over backwards for you and did a lot of things that they were NOT suppose to do. So go kick your brothers ass.

Note to everyone else who overdrafts and don't like overdraft fees. STOP OVERDRAFTING!!! STOP SPENDING MONEY YOU DON'T HAVE! YOUR SPENDING THE BANKS MONEY WHICH IS TECHNICALLY STEALING. EVERDRAFT FEES ARE MEANT FOR YOU TO LEARN AND BALANCE YOUR SHIT! THE BANK IS NOT THERE TO BABYSIT YOUR ASS!

The email with the link that didn't get sent was supposed to go to the bank. No one else, so I wasn't too concerned about it being "intercepted".

As far as issuing a beating on my brother, it'll be indescribable when I see him next.

[Adam Warlock]

here's one for you. I was with bank of America and I had about 60 bucks left in my bank account. I decide to pick up some household items (3 different purchases of about 10 dollars each) and I buy some chinese food. The lady rings me up for 25 bucks and but charges me 35 on my debit card. I notice the error and she says she'll refund it and runs my card again for the 25 after canceling the 35. Now here's where fucked up begins.

Bank of america (according to the rep) doesn't do refunds that way. They debit your account and wait for the authorization from the retailer. If they don't get that authorization they deposit the money into your account 5 days later. WTF. I get hit with an over draft fee because I'm now technically 30 bucks in the hole. Then shit gets worse. Purchases made on the same day get posted with the higher items first. So with 60 bucks, I got hit for the 25 and 35 purchases first leaving me with zero. I then get hit with an overdraft fee for each purchase of 10 bucks (90 bucks in fees), even though those were made FIRST. Banks are bullshit.