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stupid bank - can I dispute charges before they even show up?

N

notfred

Lifer
So, last tuesday my paycheck (about $1000) was directly deposited into my account, like it is every other tuesday. My checking account was showing a balance of about $2000.

I went to the bank, talked to a teller, and transferred $1200 to another account, and was left with a balance of just about $800.

So, today I look at my account online, and it lists the withdrawal as occuring before the deposit. This makes the $1200 dollar withdrawl overdraft my account by $200. I made two other purchases later in the day. I bought lunch for $6, and spent $30 on groceries, and these also show as overdrafts.

No overdraft charges have shown up in my account, but I guess I can expect that they will, right? I don't want to be charged $60+ in overdraft fees due to the bank being moronic fvckheads.

What should I do? Go to the bank and dispute it now? Wait and see if overdraft fees actually show up on my account and then dispute it? Any advice from those who are good at this kind of thing?

Thanks.
 
Seems like a simple clerical error, unless the funds were under some "pending" heading rather than actually in your account...time to go speak to someone, regardless.
 
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Close your account as soon as possible. Wamu is nothing but a communist bank. I closed my account the other day because of so many "clerical" mistakes.
 
Originally posted by: NokiaDude
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Close your account as soon as possible. Wamu is nothing but a communist bank. I closed my account the other day because of so many "clerical" mistakes.
Click to expand...

actually this happens to me often. The online banking will show you in the red but you are fine. My check is deposited at midnight on wednesdays and I start spending immediately sometimes at safeway or jack in the box.

From my experience and its happened often they won't charge you for overdrafting but the online system may show you in the red. Washington Mutual is an awesome bank better than the three other main banks I've tried.
 
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Do not call....go to the bank in person before anything (or after) shows up and most if not all fees will be removed.

WAMU sucks ass except for the hours......
<customer


edit: missed the online part.....you are fine.........
 
Originally posted by: Rickten
Originally posted by: NokiaDude
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Close your account as soon as possible. Wamu is nothing but a communist bank. I closed my account the other day because of so many "clerical" mistakes.
Click to expand...

actually this happens to me often. The online banking will show you in the red but you are fine. My check is deposited at midnight on wednesdays and I start spending immediately sometimes at safeway or jack in the box.

From my experience and its happened often they won't charge you for overdrafting but the online system may show you in the red. Washington Mutual is an awesome bank better than the three other main banks I've tried.
Click to expand...

My situation matches your exactly (except I get my check on midnight tuesday instead of wednesday)

Yo uthink I should wait until charges actually show up to dispute it, since they might not even show up?
 
Originally posted by: notfred
Originally posted by: Rickten
Originally posted by: NokiaDude
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Close your account as soon as possible. Wamu is nothing but a communist bank. I closed my account the other day because of so many "clerical" mistakes.
Click to expand...

actually this happens to me often. The online banking will show you in the red but you are fine. My check is deposited at midnight on wednesdays and I start spending immediately sometimes at safeway or jack in the box.

From my experience and its happened often they won't charge you for overdrafting but the online system may show you in the red. Washington Mutual is an awesome bank better than the three other main banks I've tried.
Click to expand...

My situation matches your exactly (except I get my check on midnight tuesday instead of wednesday)

Yo uthink I should wait until charges actually show up to dispute it, since they might not even show up?
Click to expand...



if I had photoshop on this computer I would show you a screen shot of where this has happened at least 4 previous times and still to this day shows I was negative for that day but was never charged overdraft fees.
 
Originally posted by: Rickten
Originally posted by: notfred
Originally posted by: Rickten
Originally posted by: NokiaDude
Originally posted by: notfred
Originally posted by: Nebben
Do you bank with Wells Fargo, by any chance?
Click to expand...

Washington Mutual
Click to expand...

Close your account as soon as possible. Wamu is nothing but a communist bank. I closed my account the other day because of so many "clerical" mistakes.
Click to expand...

actually this happens to me often. The online banking will show you in the red but you are fine. My check is deposited at midnight on wednesdays and I start spending immediately sometimes at safeway or jack in the box.

From my experience and its happened often they won't charge you for overdrafting but the online system may show you in the red. Washington Mutual is an awesome bank better than the three other main banks I've tried.
Click to expand...

My situation matches your exactly (except I get my check on midnight tuesday instead of wednesday)

Yo uthink I should wait until charges actually show up to dispute it, since they might not even show up?
Click to expand...



if I had photoshop on this computer I would show you a screen shot of where this has happened at least 4 previous times and still to this day shows I was negative for that day but was never charged overdraft fees.
Click to expand...
same here
 
I'd just head over there and start bitching. If you can show the desposit/transfer slip that the teller gave you, it should show the before and after balance.

I think lots of banks have the back end set to process withdrawls before they process deposits. They probably do it specifically so they can get peopel like this and charge them fees. But I woudln't pay them. Especialyl sicne you did it in person and the person checked the balances for you and did the transfer, they have no ground to stand on.
 
Most banks don't let you dispute charges before they happen because occasionally the processing system will fix them for you.
I work for a different bank but I know when a direct deposit is made those funds are available immediately as unposted credit, usable but nothing noted on the statement until the next day. You are always able to use unposted credit without it counting as "unavailable funds."
Another reason I don't think you'll get charged (or a point you can bring up with your bank) is that if your transfer overdraws your account, the teller is supposed to tell you that it will, or more likely not do it at all.

Edit: You should also remember that online banking is never as official as the bank's teller system.
 
I never had a problem with WAMU. Call them on the phone, or go to the local bank and talk to them. They're pretty helpful with these things.
 
if you think Wamu is bad now.. wait til they open up shop in san antonio..

too many low educated/low skilled workers down here... i guess it's good for me, though.
 
Let me guess.. WAMU.. they pulled the same stunt on me. Which got me into teh bank trouble. Go to US Bank or something, get US Bank checking acct for students.. its MUCHO better...
 
WAMU sucks (at least some branches).....
They did not give me a bank statement and said I could only get it by mail...when I insisted they said they would charge me $30 for it...Yeah right, morons.... I tried a different WAMU branch and everything was done in 5 min, no charge... I complained about the other morons...I hope they are fired...
 
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