This is by far the most idiotic statement I have ever read. If you feel you have been taken advange of do something about it. What are you going to do if someone spits in your face? Be a man and live with it?
This is by far the most idiotic statement I have ever read. If you feel you have been taken advange of do something about it. What are you going to do if someone spits in your face? Be a man and live with it?
iversonyin
Diamond Member
- Aug 12, 2004
- 3,303
- 0
- 76
They didn't spit at your face for no reason. It stated somewhere that if you cross the line, you would get spit in the face. And you...crossed the line, therefore, suffer the consequences.
Most people on this thread think you should take responsibility on your own hand. Try to be an adult and listen.
I think so. Maybe not a checking account back then but definately a savings account. I've had the checking account for some time.
Have you considered that perhaps WM DIDN'T purposely screw you over, and perhaps they themselves were not aware you were in the negative until the end of the day? It's not like everything gets processed all the way through 100% instantly.
If they were aware they wouldn't have called.
He has overdraft protection. and yes the system at WM is designed to screw stupid people.
At what point did they call? I'm not seeing that in the OP.
I honestly think they weren't aware of your overdraw the very *second* it happened the first time.
Homerboy
Lifer
- Mar 1, 2000
- 30,859
- 4,976
- 126
the funny thing is that your bank likely offers (for free) a service that automatically moves moeny from one account to the other if you withdraw too much from 1.
How you feel this is the bank screwing you over is beyond me. This is a bank. This is (one way) that they make money.
You're rant and complant are totally without merit. You are a total idiot.
How you feel this is the bank screwing you over is beyond me. This is a bank. This is (one way) that they make money.
You're rant and complant are totally without merit. You are a total idiot.
Anubis
No Lifer
overdraft protection > you
however it does suck, that your bank is full of assholes, similar thing happened to me and a buddy of mine with M&T bank, they knocked them all down to 1 overdraft fee because they were nice
however it does suck, that your bank is full of assholes, similar thing happened to me and a buddy of mine with M&T bank, they knocked them all down to 1 overdraft fee because they were nice
The point was if they are aware of your overdraft/ overdraft potential there would be no notification (not that any bank would)? Why? Because he has auto overdraft protection which nets them $30 a pop. Short term high intrest loan.
STFU. I already said I was legally liable and that is was my error. It's still BS and I'll rant all I want.
No THAT and your OP was the most idiotic statement.
You're just a child. We'll leave it at that.
Almost everyone who's had a checking account, at one time or another, has accidently overdrawn. The difference is they didn't whine and try to plot ways to blame the bank company. You're sitting around acting like a 15 year old. It's just pathetic.
Be a man...take responsibility for your own actions.
You asked them to spit in your face...then you cry foul?
Good Job.
rh71
No Lifer
- Aug 28, 2001
- 52,844
- 1,049
- 126
yeah, you should've learned about banks before you signed on with one. I got hit for an overdraft fee once, but it was only $30. I ate it and vowed never to be so careless again. Overdraft protection costs more and I chose not to use it.
If I were in your shoes (I wouldn't be because I'm careful now) and owe them that much, I wouldn't expect to get out of it scot-free... no way, not that much... especially with their written terms from the very beginning. BUT: I'm curious how it amounted to that much though, because it should be calculated to be overdrafted or not at the end of the day and that's it. On one other occasion, I was over but I deposited more electronically and I was ok for that day and never got hit with fees.
Oh yeah, the other lesson is to keep at least a $100 cushion there at all times.
Scarpozzi
Lifer
- Jun 13, 2000
- 26,389
- 1,778
- 126
I think everyone living paycheck to paycheck has seen these fees. As said before...live and learn. Best advice is to always keep an eye on your balance and remember, they tend to cash the largest checks first just so they can get you on the smaller, insignificant ones. My bank charges $28-30 per overdraft (or so their last memo stated)...so consider yourself lucky.
How about you stop using your check card and start using your credit card instead, since you say you've never carried a balance.
Just call em up and talk to them.... if this is your first time, you can probably get the charges reversed... I used to know a guy who worked for WM... he's the one who told me this. Just talk to them.
-Max
-Max
Wow, some of the people in here are acting like total asswipes. I bank with Bank of America and had almost the exact same situation pop up. I called the call center and the understanding rep was able to reverse three charges and then told me to go the branch office to get the other 3 reversed. After a brief conversation with the manager, he immediately reversed the rest of the overdrafts.
The bank should have made an effort to reverse some of the charges, forget about the fine freaking print, it would have been the right thing to do. No wonder they advertise their free checking so much, they probably nail tons of people like the OP on a daily basis.
The bank should have made an effort to reverse some of the charges, forget about the fine freaking print, it would have been the right thing to do. No wonder they advertise their free checking so much, they probably nail tons of people like the OP on a daily basis.
I work for Washington Mutual.
Please leave. Believe me, the mortal wound you will inflict on our tiny institution will probably bring the entire corporation to its knees.
Thanks for putting an ATOT'er out of a job.
alkemyst
No Lifer
- Feb 13, 2001
- 83,769
- 19
- 81
how do you figure? Should we let deadbeats rack up 10 or so overdrafts in a day and get charged with one fee?
maybe you just don't get it though, there was a chick at the Sun Trust by University of Florida when I went there that insisted it doesn't matter what the bank says, she goes by what her checkbook says and they have to listen to her as their customer. She threatened to sue, take her 'business' elsewhere, etc...in the end they did not waver. Her quote was something like "that's more in fees than my next paycheck"
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