Announcement

**bhskittykatt** · 01-03-2010, 03:39 AM

Quoth Spawned View Post

SC: "I don't understand why my account is overdrawn."

Really, like is this concept so hard to figure out? Guess what tardigans, it's the same thing everytime you call. You figured your 100.00 could buy a 200.00 item free and clear. No matter how many times we explain how signature debits work and why items can and will drop off your register, you just refuse to keep a checkbook, because the bank obviously has employed a single person for every particular account to monitor and balance it for you. Then personally call you no matter where you are and even make a deposit for you.

I was at the bank earlier this week, and the next teller over was helping a guy understand his overdraft charges, showing exactly WHEN he went over. At some point she asks him "Do you have a checkbook register we could compare our records to?"

Clueless guy: "What's that?"
Teller: "Where you record all your transactions?"
Clueless guy: "Um...erm...I'm not sure what that is."
Teller:

The guy did produce a piece of paper, which, from what I overhead, merely had dollar amounts on it. No store names or dates of transactions, so of course that was less than helpful. The poor teller then went into a quick Checkbook Balancing 101 lesson, explaining why it's important to keep good financial records.

At least the guy wasn't being sucky. He was just clueless, and seemed to genuinely want to learn how to manage his money better.

**AtDIelement** · 01-03-2010, 03:51 PM

You sound like you work for the bank I work for.

That sums up about every customer complaint I get a day.

**Dark Psion** · 01-03-2010, 05:35 PM

Quoth Spawned View Post

---

SC: "I have an issue with my account."

Me: Sorry to hear that, how can I help you?

SC: "I said I have a problem with my account." (Silence)

Thanks for clearing that up Einstein. Apparently an account can have only one type of problem, and that is the problem you are having right now and I am an idiot for not being psychic. I hope your brain implodes.

Proper answer? "I have a solution for your problem." (Silence)

---

I am sorry, all of our psychics are busy at the moment.
Please write your problem down on a small piece of paper and go stand on your front porch till the passenger pigeon arrives.

**BookstoreEscapee** · 01-03-2010, 09:22 PM

You're President Obama??!!! Wow, can I come over and play with the puppy?

**Jester** · 01-04-2010, 12:59 AM

Quoth BookstoreEscapee View Post

You're President Obama??!!! Wow, can I come over and play with the red button?

Couldn't resist.

**bainsidhe** · 01-04-2010, 03:09 AM

I like you. Please post more.

**crashhelmet** · 01-04-2010, 08:38 AM

Quoth Spawned View Post

SC: "I am going to close my accounts if you don't refund this fee."

I actually did this once. I had been with a BeOfAy for about 10 years or so. Opened my first ever account with them when I was a kid, with money I made from my paper route and musical gigs. Never really had a problem with them until they hit me with several instances of asshattery in about 2 months time.

1) Roommate wrote me a check to pay back money he owed me. I deposited it into my fine standing account and said check bounced. The bank charged ME with a $50 fee and refused to credit it back.

2) A couple of weeks later, I'm out for NYE and hit the ATM 5 times in the same nightclub. I never once reached my $300 limit for the day. Someone at the bank decides that my ATM card is stolen and freezes my account, without contacting me to get verification. I find out a week later when I'm trying to deposit my paycheck and the teller tells me it's frozen and why. Well, what about the check I wrote for rent? Oh, we declined that because the account was frozen and it looks like we charged you an NSF fee too. Asked for a reversal and it was declined too. My landlord made me get a certified check, which cost me money, and pay a late fee.

3) My pager bill was on auto-draft. They screwed up and charged me $1700.00 instead of $17.00. Immediately catch the mistake, refund it back, and charge the proper amount. However, the bank approved the initial charge, letting it take me overdrawn by $1000.00 and then hits me with a HUGE NSF fee. Once again the bank refused to reverse the NSF fees.

I told them to reverse the charges for all three events or I'd leave. They refused, so I pulled out all remaining money and went to a competitor, who I've been with since and never had any problems that weren't my own.

CH

**Andara Bledin** · 01-06-2010, 01:55 AM

Quoth crashhelmet View Post

1) Roommate wrote me a check to pay back money he owed me. I deposited it into my fine standing account and said check bounced. The bank charged ME with a $50 fee and refused to credit it back.

Every bank charges the account-holder if a deposited check bounces. That's why any place that accepts checks has a notice that they will charge you that fee if you bounce a check with them, in addition to the amount of the check. Your roommate (the person at fault) should have paid you that money. There was no reason for the fee to be waived as it was legitimate.

Quoth crashhelmet View Post

2) A couple of weeks later, I'm out for NYE and hit the ATM 5 times in the same nightclub. I never once reached my $300 limit for the day. Someone at the bank decides that my ATM card is stolen and freezes my account, without contacting me to get verification.

Also SOP with pretty much all major banks. I don't think a human being is involved in the process. It's an automated anti-fraud setup.

I've had this happen to me, too, and since I have an ATM account with direct deposit, that's the only way (generally) I have to get to my money. When I called in to get it straightened out, I had them mark my account as non-freezing unless they contact me and confirm that it is fraud prior to enacting the freeze. They claim they attempted to contact me, but since I was home the entire day that it happened, I know they were lying. In my case, it was only a freeze on the ATM card, not the entire account. I'm curious as to why they did your whole account.

Not reversing their own fees is super sucky, and not a problem I've run into with BofA. I've actually had instances where they've had incorrect fees and they've gone ahead and removed legitimate charges at the same time.

Quoth crashhelmet View Post

3) My pager bill was on auto-draft. They screwed up and charged me $1700.00 instead of $17.00. Immediately catch the mistake, refund it back, and charge the proper amount. However, the bank approved the initial charge, letting it take me overdrawn by $1000.00 and then hits me with a HUGE NSF fee. Once again the bank refused to reverse the NSF fees.

In this sort of situation, the person who made the charge has to call in to get the fees reversed. I've had it done with both BofA and Wells Fargo. Actually, they should have voided the original transaction, not refunded. So they compounded their original mistake, and you ended up paying for it.

^-.-^

**Jay 2K Winger** · 01-09-2010, 11:24 AM

Quoth Spawned View Post

SC: "I don't understand why my account is overdrawn."

I had that exact some problem once at--

Quoth crashhelmet View Post

I had been with a BeOfAy for about 10 years or so.

Bingo! I had been banking with BofA/NB for years. Didn't have any problems with them for a long time, apart from the occasional overdraw which WAS my fault.

Then I started getting overdraft notices that had no plausible explanation. I even had my check register handy when I went to complain, and even THEY couldn't give me a valid-sounding explanation for why it was happening.

So I closed my accounts (checking and savings) and opened an account with Provident (now M&T) Bank and haven't had a problem since.

**Hermione** · 01-10-2010, 01:49 AM

Quoth Spawned View Post

I need to just vent about everything that irks me.

---

SC: "I have an issue with my account."

Me: Sorry to hear that, how can I help you?

SC: "I said I have a problem with my account." (Silence)

Thanks for clearing that up Einstein. Apparently an account can have only one type of problem, and that is the problem you are having right now and I am an idiot for not being psychic. I hope your brain implodes.

Proper answer? "I have a solution for your problem." (Silence)

That's exactly how I would have handled it, lol

**BusBus** · 01-10-2010, 06:41 PM

Quoth Spawned View Post

Me: "I just need to ask you some verification questions."

SC: "Why I gave you my name, I am who I say I am."

Alright, Michael Smith...am I correct in assuming that you are the only one in existence?

Seriously, the verification Qs are for everyone's security.

Quoth Spawned View Post

SC: "I have an issue with my account."

Me: Sorry to hear that, how can I help you?

SC: "I said I have a problem with my account." (Silence)

"Have you tried re-booting your computer?"

Quoth Spawned View Post

SC: "You should be ashamed to work for Bank XYZ, you are all crooks."

Coming from the guy who has an account with you guys? Who's the dumbass?

Quoth Spawned View Post

SC: "Why did you give me overdraft fees on Wednesday, you can see I get direct deposit every friday."

Try managing your money better.
(I get paid on Wednesdays

)

Quoth Spawned View Post

SC: "I know the CEO."

Sure you do.

Announcement

This is President Obama...

This is President Obama...

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