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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Man WTF
    #211102 - 04/01/09 11:23 AM (7 years, 8 months ago)

My bank is taking over 100 dollars from me. I apparently overdrafted,(which i'm not sure how becuase looking at my statement online it does't make sense)but I was just going to pay the fee and be done. I went and deposited a check yesterday and they charged me two more overdraft fees and I haven't used the card since the first one. I can't afford this. What am I supposed to do?


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Offlineelcharrosays
Male User Gallery

Registered: 04/24/08
Posts: 2,757
Last seen: 6 years, 4 months
Re: Man WTF [Re: headyeddie]
    #211109 - 04/01/09 11:58 AM (7 years, 8 months ago)

I saw a youtube video about how a dude got out of his overdraft fees. One possibility would be to take your bank to a small claims court and claim the injustice of the fees. They'll settle immediately and pay for your fee's and even court fee's since it's overall way cheaper for them than hiring attorneys to defend them in court.


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Offlinezippo420
Male


Registered: 05/29/08
Posts: 536
Last seen: 1 year, 9 months
Re: Man WTF [Re: elcharrosays]
    #211118 - 04/01/09 12:45 PM (7 years, 8 months ago)

Talk to your bank, they'll usually revoke some depends on how nice they are that day


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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Re: Man WTF [Re: zippo420]
    #211121 - 04/01/09 12:53 PM (7 years, 8 months ago)

I just got off of the phone with them. I had one several years ago and apparently they only revoke one overdraft fee for the lifetime of the account. I explained as nicely as possible(since essentially it was probably this woman who decided how broke I was going to be) that I could not live off of what they were leaving me with and that to take over 100 dollars is outlandish. Long story short i'm getting 76/114 dollars back. Not great but i'll take it


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InvisibleHefe
Registered: 04/21/08
Posts: 1,623
Re: Man WTF [Re: headyeddie]
    #211139 - 04/01/09 02:58 PM (7 years, 8 months ago)

if they took 100 and you get 114 wtf are you complaining about?

bank of america?


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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Re: Man WTF [Re: Hefe]
    #211150 - 04/01/09 03:40 PM (7 years, 8 months ago)

no it was almost 100 at first. total they wanted 114 but i got 76 back. increments of 38


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Invisibleusg543
◕‿◕
 Arcade Champion: A Blast

Registered: 04/21/08
Posts: 7,259
Re: Man WTF [Re: headyeddie]
    #211159 - 04/01/09 04:17 PM (7 years, 8 months ago)

so you fucked up and over-drafted several years ago and they give you a freebie and you don't learn your lesson...

so you then repeat your mistake again (twice?) and are complaining about it?

you're like my bimbo exgirlfriend, except her mom would always bail her out.


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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Re: Man WTF [Re: usg543]
    #211207 - 04/01/09 07:00 PM (7 years, 8 months ago)

No actually it was their fault for not posting the things on their website or their automated thing like they're supposed. Thanks for the assumption though


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OfflineBig Chief
Pipe Dreams


Registered: 03/02/09
Posts: 323
Last seen: 7 years, 6 months
Re: Man WTF [Re: headyeddie]
    #211211 - 04/01/09 07:52 PM (7 years, 8 months ago)

Your bank should and probably will refund some of the fees. It depends on if you've had it done before and how many times.

I've had problems with that in the past too. Banks always seem to work shit out like that. Just think about how much money they make from overdraft fees.

I know it's hard to do; especially if you're young. Try to keep enough money in the bank so you don't have to worry about it. Give them fuckers a call, tell them you made a mistake, and ask to have the overdraft fees over-turned. Good luck.


--------------------
Big Chief, Big Buds, Big Pipe.


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OfflineBig Chief
Pipe Dreams


Registered: 03/02/09
Posts: 323
Last seen: 7 years, 6 months
Re: Man WTF [Re: headyeddie]
    #211212 - 04/01/09 07:53 PM (7 years, 8 months ago)

Oh, and it is not their fault, it is yours. Make a budget, and keep track of how much money you have in your account.


--------------------
Big Chief, Big Buds, Big Pipe.


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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Re: Man WTF [Re: Big Chief]
    #211215 - 04/01/09 08:44 PM (7 years, 8 months ago)

Yeah, i've already spoken with them and got it worked out. I even admitted fault for where I screwed up this woman was just being very condescending and outright rude for supposedly being a higher up manager.


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Offline2Cents
Male


Registered: 01/05/09
Posts: 111
Loc: WA
Last seen: 4 years, 8 months
Re: Man WTF [Re: headyeddie]
    #211250 - 04/01/09 11:36 PM (7 years, 8 months ago)

one time I got out of $100 in overdraft fees by bitching them out and I was soooo surprised it actually worked.


--------------------
I had two bowls for breakfest one was cereal. Long live the Growery!


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Invisibleheadyeddie
Cool Dude In A Loose Mood
Male


Registered: 03/30/09
Posts: 239
Re: Man WTF [Re: 2Cents]
    #211309 - 04/02/09 03:55 AM (7 years, 8 months ago)

Yeah, I was fairly angry but still tried to be polite since this woman pretty much decided it. Could've worked out worse I suppose


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