Fuck You Bank of America!

[Perch1019]

So someass hat whom I wrote a check for back in October decided to cash it over the weekend. 400$ check, Cleared saturday. I go out Sat night thinking I have 500$ in my checking account which I call my 'disposable income fund'. So I run up a tab at the bar for me and 3 friends of around 100 dollars and then take out around 60 so I can get home in the morning, get food etc. I go to the bank on tues to make a deposit only to find my balance is -210.00$. WTF! I check my online statement and find charges from the weekend combined with random debits ranging from 1.25$ to 8.00$. These fuckers charged me 34$ each time there was a withdrawl after the check cleared and the bar tab kicked in.
Not only overdraft charge since it happened on a fucking sunday but SEVEN OVERDRAFT CHARGES!!!!!!
I call up and the bitch tells me the only way they will refund the money is if its due to a bank error. I say, yea you charged me 6 more times than you should of. She didnt find humor and told me to go to my banking center where I could dispute and try to get a refund. What are the chances of that happening? "Very slim" she says. I owe them 238 dollars in fines for a bank account I rarely use.
FUCK YOU BANK OF AMERICA!!!!!!

[Lambo]

seems like every bank does this. i had something similar happen to me. i thought i had more in my account, so i used my debit card at a store and at a couple other places over the weekend. on monday i saw i had $90 charged to my account and my balance was - $140. the next day the check i deposited 3 days before finally cleared and my account went posaitive again.
FU wachovia!

[domelogic]

i withdrew all my funds from my previous band and told them to close the account. it was a checking account and i hadnt used a check in 3 months. they didnt close it out and i got hit for overdraft protection when they billed me for the monthly service charge. this went on for about 4 months. i never paid and never will pay. every now and then i get a call from a collection agency. fuck em dont pay it and open another account.

[d0uche_n0zzle]

Don't fuck yourself to spite them. Apply for overdraft protection and pay attention when balancing your checkbook monthly.

[TreeFortRichard]

Don't fuck yourself to spite them. Apply for overdraft protection and pay attention when balancing your checkbook monthly.

2 things...
First your problem was with the OVERDRAFT protection. This is optional, and everyone who thinks they might ever overdraft should read the fine print. At some banks it is best to deny the overdraft protection, that way instead of the ATM spitting out money you dont have you get an Inssuficent funds message...The banks say they do the overdraft protection to save you the embarassment of being denied cash. Fuck them, they do it for the exact incident you described above. They make shitloads of money off it. I bet you were also paying a checking fee....IT would be too funny if you had to pay a fee for that check as well. I wonder why they allow you to continually overdraft? $$$$???

However, i will say that you are responsible for balancing your account, and that $400 was not yours, it belonged to that check...It is a pain in the ass, but you should have called whoever you wrote the check to and told them they have 10 days to cash it or your bank is going to cancel it...

[fmeinthea]

I stopped paying their card a few years ago. I burnt them for about 10 grand!

[d0uche_n0zzle]

OK, well then apply for OVERDRAFT CREDIT PROTECTION, technical Tony. :action-sm

[TreeFortRichard]

OK, well then apply for OVERDRAFT CREDIT PROTECTION, technical Tony. :action-sm
I wasn't taking a shot at you :)...the 'help me hank' ch.7 boston did a report on this the other day, and the banks are screwing people because they use to tell you 'no cash for you!' when you ran out...Now they keep giving it to you and fining the shit out of you...Assholes...Switch to a credit union..
www.dcu.org

[d0uche_n0zzle]

See what happens when you don't watch the NEWS, you look like an ass.

Sorry for the confusion and a HUGE FU to BANKS, scumfuckbags looking for every little penny. You know who controls them, right?

[PEST BY TRADE]

I had the same thing happen to me when I was on vacation and bank of america hooked me up for about 450.00 just go in to your normal bank locaton if you've been using them for a while they should reverse the charges
Good luck !

[Perch1019]

However, i will say that you are responsible for balancing your account, and that $400 was not yours, it belonged to that check...It is a pain in the ass, but you should have called whoever you wrote the check to and told them they have 10 days to cash it or your bank is going to cancel it...

I dont mind the fact that I went over and they charged me for it. The fault of not noticing the check was never cashed was mine. It was one of those thing where I would check the balance and never really look how it got to where it was. The account was my student one from college since at the time when it was Fleet, it was the only one with tons of branches in both NY and Rhode Island. I kept some cash in it for the purpose of needless purchases.
However... you would think with charges of 1.50, 1.50, 3.83, 6.25 and 8.25, and someone whos been a customer for over six years, they could have sent me an email say that my account was ODed and it needed attention insted of charging 34 bucks for each one of those. I know they have the goddamn address on file because I get them emailing once a day about signing up for a loan or a credit card through them.
My beef is that it happened over the weekend and before I had any chance to catch the problem, they tacked on a shitload of fines. Like I said, I can understand paying and OD charge but seven is bordering on extortion. I would have rather been denied using the card because I could have whipped out the AmEx and saved myself Two hundred bucks.

[Halo Five]

I have Bank of America... but I am fancy and have a Platinum Account... only $16 monthly fee and I don't get charged for using other ATM's and I don't get those random < $1 deductions either.

[HummerTuesdays]

Apply for a credit line that's linked to your checking account. Rather than pay all those fines & fees, I pay interest. It's high (19% range), but I check my balance at least once a week (when I get paid), and transfer the funds to pay off the credit line, if I've dipped into it. The couple dollars I pay in interest saves me a bundle in over draft charges, and I never have to worry about whether I have enough in the account to cover the mortgage.

[Schnit Dick]

My Bank of America horror story:

So i bought a house back in October, and I needed to close out my account I had at TD Bank North so I could have the money for the down payment. So i combined my two accounts so I could afford to pay it. So Bank North gave me a Cashiers Check for the amount in the account, and I deposited it at BOA. They told me since it was a Cashiers Check there is no grace period for a deposit of a cashiers check since the money is garunteed. I did this on a Monday and was buying the house the following monday.

That Saturday I got a letter from BOA in the mail saying due to the amount I needed to wait SEVEN BUSINESS DAYS, meaning it wouldnt clear until 2 days after I bought the house. So of course my mail comes after the branches all close and leaves me with the only option of calling their 800 number. The lady there tells me that I am out of luck, nothing they can do for me. There is no way to override it and I need to way the 7 days. I was so pissed off I was ready to kill someone.

So thankfully my closing was at 3pm, so I went into the branch at 8AM right when they opened just incase I would need to figure something else out. By 8:01 I was walking out of the branch all set. The branch manager told me that the people I talked to on the 800 number didnt know what they were talking about.

So if you go into the branch you might luck out

[BloodRoses]

That happened to me with Greenpoint Bank.
i think overdrafts are fucking stupid.... if theres no money in the account, you SHOULDNT BE ABLE TO WITHDRAW ANY!!!
They fuck you, they fuck you, they fuck you at the bank!!!

[Schnit Dick]

That happened to me with Greenpoint Bank.
i think overdrafts are fucking stupid.... if theres no money in the account, you SHOULDNT BE ABLE TO WITHDRAW ANY!!!
They fuck you, they fuck you, they fuck you at the bank!!!

You should be able to get some sort of overdraft protection...i know i have it with my account

[BloodRoses]

You should be able to get some sort of overdraft protection...i know i have it with my account
yeah i got rid of it... lol
i got a new bank!

[Mybigcans]

I had a bank of america account, and was in the process of closing it and they allowed a few automatic debits to hit when I specifically cancelled them... fucking AWFUL bank...

[Sinn Fein]

They stink. My old employer used them and direct deposit was something that he couldn't seem to put in place. So, I used to cash the checks at his bank and then put the cash in my account at my credit union. Otherwise, it would be like a week before the funds would clear due to it being an out-of-state check.

EVERY TIME I would go in there they'd press me to open an account. Every time, I'd have to give the same reason why I don't want one. It got to the point they stopped asking me for ID because I was in there every week cashing the same type of check, but they couldn't remember not to bug me about opening an account.

[Perch1019]

So if you go into the branch you might luck out

Went today. I sat down with the Branch manager. He was no help. He kept saying it wasnt a bank error and he could do nothing. I explained how I know its my fault but I dont understand why insted of bouncing the check, they would cash it and then put off all the other fees to be overdrawn. He gave some bs excuses about processing payments. I said that this whole situation is borderline extortion because I overdrew around 80 bucks and im being charged three times that in fees. He wouldnt budge but then I pointed out the 3$ charge and said, "That right there was milk on sunday. Your making me pay 40 friggen dollars for milk!" He then took off 3 of the 7 charges and thats the best I could do. So I got back into positive figures and told him to close the account. Get this, he says to me "After I go and reverse this for you, this is how you respond?"
The arguement went on for a few minutes where I may or may not have called him a jackass and said I hope Wachovia puts you out on the street.
Oh well...

[TreeFortRichard]

Went today.....So I got back into positive figures and told him to close the account. Get this, he says to me "After I go and reverse this for you, this is how you respond?"
The arguement went on for a few minutes where I may or may not have called him a jackass and said I hope Wachovia puts you out on the street.
Oh well...


:clap: :clap: :clap: :clap:

Sometimes these self righteous ass faces forget that they are working for YOU the customer!

An interesting point i forgot to mention is that for years banks were making virtually nothing off the everyday customer. The majority of their income comes from large corporate and business accounts...So they started all these bull shit fees to recoup the costs of running a branch...Assholes. I love your "PUt you out on the street comment"

I got in and argument w/ Fleet->Citizens bank about banking fees. I had over $5,000 in an account at a town bank that was bought out by them. They gave a 1 year grace period where by they would honor the fees of the old bank, which were NONE...No fees...non at all...You could have a checking account w/ $1.01 and write a $1 check if you wanted.
Well when the year was up i looked at what i would have to pay in fees and it turned out that even with $5000 in the account (at a minimum, sometimes more) It would cost me money to have the account..>Fuck off bank!

Banks make their money by loaning out your cash to someone else. They are allowed to loan much more than they have, and theoretcally you could collapse a bank if 10% of people closed their accounts at once. When Citizens asked me why i was closing the account i explained all of this and said i was not going to pay them to lend my money out and collect interest on it...He was baffled to say the least. It was very funny. I opened an account at the credit union and have been so happy with them...You get reimbursed up to $10 a month for atm fees!

[Jim McGreedy]

First of all it's not just Bank of America, all banks stink on ice. Second of all you didn't just screw up your account balance. You knew there was a check out there. Just consider that money gone when you write the check. I think we need a group bookkeeping course here. Then again maybe this discussion just touches a nerve because I have an MBA in accounting. So fuck me for being a humorless douche.

[Perch1019]

First of all it's not just Bank of America, all banks stink on ice. Second of all you didn't just screw up your account balance. You knew there was a check out there. Just consider that money gone when you write the check. I think we need a group bookkeeping course here. Then again maybe this discussion just touches a nerve because I have an MBA in accounting. So fuck me for being a humorless douche.

Ill admit, my bookkeeping stunk. I hardly ever wrote checks (I had the same checkbook they sent me when they switched from fleet to BoA.) My idea of bookkeeping ment check the online balance, if theres money, spend it.
I just found it fucked up that they would honor the check which only carrys a 20$ bounced fee yet overdraft all the other shit and **** me with the charges.

[Perch1019]

Always have overdraft protection and always pay the penalty first and fight it later. You'll REALLY be in a world of shit if it gets on your credit report that you stiffed a bank!
Shit like that might not mean much to you now but the credit reporting companies have memory's like Don Corleone. Years from now you'll try to get a loan and that shit will rear it's ugly head and you're fucked.

Is this from personal experence? Have a little trouble while trying to get the money for the new house due to some old mishaps during your ACing days?

[whoisisthis]

what you have to do is keep alot more money in there

[fmeinthea]

Always have overdraft protection and always pay the penalty first and fight it later. You'll REALLY be in a world of shit if it gets on your credit report that you stiffed a bank!
Shit like that might not mean much to you now but the credit reporting companies have memory's like Don Corleone. Years from now you'll try to get a loan and that shit will rear it's ugly head and you're fucked.



after 7 years you can request any negative information be removed from your credit report, they MUST remove it.

10 years for bankruptcy.

I screwed PNC when I changed banks, they never could set up over draft because my savings accoutn was opened from my old state, so I was screwed.

I screwed them on the log run to the tune of about $300.00.

Fuck creditors.

[ChrisC_EIT]

2 things...
First your problem was with the OVERDRAFT protection. This is optional, and everyone who thinks they might ever overdraft should read the fine print. At some banks it is best to deny the overdraft protection, that way instead of the ATM spitting out money you dont have you get an Inssuficent funds message...The banks say they do the overdraft protection to save you the embarassment of being denied cash. Fuck them, they do it for the exact incident you described above. They make shitloads of money off it. I bet you were also paying a checking fee....IT would be too funny if you had to pay a fee for that check as well. I wonder why they allow you to continually overdraft? $$$$???

I have to agree and copy your post again for effect. You can decide to turn down the overdraft protection. Sure, you can be "embarrassed" when the ATM machine doesn't spit the cash out, but you're only charged *once* for withdrawing past your limit, which can happen from time to time. If BofA doesn't reverse all but say two of the OP's overdraft charges, then that tells you all you need to know about banking with those fucking criminals.

And the same goes for Washington Mutual and Wells Fargo too.

My bank did something a little funny. I caught it and made them change the way my account was set up. They did a "reboot" of their system and gave my account the overdraft protection (that I had already requested NOT to have). But what they did was when you'd do a balance inquiry from the ATM, it would include the overdraft protection amount in the final balance. I'm not kidding. I went to grab a couple 20s and the account had like $1500 too much in it. I'm not sure why that money would be in there and asked about it. Man, I couldn't believe it, but the people that work there were pretty nice and apologetic about it and when I explained why I didn't want the overdraft protection, they granted it. No problems.

However, i will say that you are responsible for balancing your account, and that $400 was not yours, it belonged to that check...It is a pain in the ass, but you should have called whoever you wrote the check to and told them they have 10 days to cash it or your bank is going to cancel it...

And of course, yes, and I think Perch owned up to his mistake. That they charged him $238 is ridiculous. By the way - there is something about the math that doesn't add up. If you were charged $34 7 times, that's $238. If you have -$210 in the account right now, I don't get how you were overdrawn in the first place. Or is it that you have -$210 *after* making a deposit?

after 7 years you can request any negative information be removed from your credit report, they MUST remove it.

That's an awful long time to deal with credit problems over a matter of a couple of hundred bucks.

[angrymissy]

If you screw over a bank, like close an account with a negative balance or keep a negative balance until they close the account, your information goes into a system called Chexsystems. You will have a BITCH of a time getting ANY bank account once that happens. It happened to me and I had to pay off the old debt and practically CRY in the bank to get them to open me an account. Once you're in Chexsystems, even if you satisfy the old debt, no bank wants to open an account for you. Chexsystems lasts for 7 years. If you make any payment on the old debt, it restarts the clock for another 7 years.

[Perch1019]

And of course, yes, and I think Perch owned up to his mistake. That they charged him $238 is ridiculous. By the way - there is something about the math that doesn't add up. If you were charged $34 7 times, that's $238. If you have -$210 in the account right now, I don't get how you were overdrawn in the first place. Or is it that you have -$210 *after* making a deposit?


After the deposit. It was around 320 OD after my charges added up with the OD charges.