has anybody ever gotten an NSF Fee reversed on their checking account

[holden j caufield]

well I bought a laptop on ebay deposited a check in the morning and did the paypal payment. thought everything would be fine but was issued a $20 NSF Fee. Is that disputable? thanks

 

[conjur]

Which is it? NTS or NFS? Or maybe NTFS fee?

Or is NFS4 collecting from your sorrows? 🙂

Only time I've had NSF fees removed was when like 5 things would go through and one was a big check and the other 4 were little ones. Called the bank and they dropped it to one NSF fee.

 

[holden j caufield]

lol edited to NSF

 

[dullard]

I'm assuming you mean non-sufficient funds fee. I've never had that occur, since I realize the bank may legally wait a week for that check you to be credited to your account. But I have had non-signed check fees. It happened to me twice - once after high school graduation and once with my wedding. Both times I had 100+ checks and one of them slipped through unsigned. Both came with nice bank fees. One was at a small local bank, and when told the story they gladly reversed the fee. The other was at a large national bank - and no I didn't get the fee back.

 

[kermalou]

change your bank to a small regional bank. i have one and have been with them for over 5 years. i know them and have never paid a cent in fees, but i take them gifts in the holdays and stuff. just get to know the people at your bank or have loads of money

 

[bozo1]

You can ask but they don't have to.

 

[conjur]

Get overdraft protection

 

[TubStain]

When you deposit a check, it takes a day to clear, so even though it states you have the "new" money in your account immediately after depositing, you cannot withdraw it until the check clears. Then you can send paypal.

So you paypalled before the money actually came into your account.

 

[JeffreyLebowski]

Originally posted by: conjur
Which is it? NTS or NFS? Or maybe NTFS fee?

Or is NFS4 collecting from your sorrows? 🙂

Only time I've had NSF fees removed was when like 5 things would go through and one was a big check and the other 4 were little ones. Called the bank and they dropped it to one NSF fee.

You do know it is illegal for banks to do this. I had a huge drop down fight with my bank about it, cause they would take out the largest item 1st which would send me over, then do all the $5 and $10 charges i had. They've even charged me NSF fee's for not having money to cover a NSF fee. The kicker is i had had over draft protection on my account since i started it 10 years ago, but they decided to cancel it and not tell me. Trying to say i had to have a credit card or savings account tied to it. So i showed them the paperwork from when i opened the account and it clear states "FREE OVERDRAFT PROTECTION WITH STUDENT ACCOUNT" and my account is still a student account.

Banks rank right up there with slime ball lawyers and car salesmen.

 

[tk149]

Originally posted by: JeffreyLebowski

Originally posted by: conjur
Which is it? NTS or NFS? Or maybe NTFS fee?

Or is NFS4 collecting from your sorrows? 🙂

Only time I've had NSF fees removed was when like 5 things would go through and one was a big check and the other 4 were little ones. Called the bank and they dropped it to one NSF fee.

You do know it is illegal for banks to do this.

No, it's not. At least not in my state.

We drop NSF fees all the time where I work. At least for major clients.

 

[AnimeKnight]

if you know the people in the branch.. even the tellers go talk to them and they might be able to reverse it for you.

I used to work for Wells Fargo and I pretty much reverse all the fees for customers I know

 

[pulse8]

I talk to tellers on the phone and they always tell me the same thing.

"This is a one time courtesy we're giving you."

Then the do it again. I've probably had 3 or 4 of them reversed.

 

[RossMAN]

Usually if you talk to a teller/personal banker that you know they will.

It's in your favor if it's your FIRST OFFENSE.

Then I would suggest signing up for overdraft protection linking your checking with your savings or credit card.

 

[Noirish]

If you have a lot of money in their bank, you can try arguing with them.
Otherwise, just eat it up.

 

[BlamoHammer]

Yes...repeatedly. I bank through Bank of America and if I ever get an NSF tacked on I just email customer service and politely ask if they would be able to reverse since I am a valued customer. Works about 3 times out of 5.

 

[BlamoHammer]

Originally posted by: tk149

Originally posted by: JeffreyLebowski

Originally posted by: conjur
Which is it? NTS or NFS? Or maybe NTFS fee?

Or is NFS4 collecting from your sorrows? 🙂

Only time I've had NSF fees removed was when like 5 things would go through and one was a big check and the other 4 were little ones. Called the bank and they dropped it to one NSF fee.

You do know it is illegal for banks to do this.

No, it's not. At least not in my state.

We drop NSF fees all the time where I work. At least for major clients.

I think he was referring to the practice of taking the big withdrawal first so that the following four smaller transactions will all be overdrafting your account, and then charging you for all of the NSF fees instead of one.