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Banking question/overdraft fees/recources

ortiz34

ortiz34

Ombudsman
Chairman Member
So me and my wife got married and had separate checking accounts up until a year ago.
She kept hers open and slowly transfered into using mine (ours)

anyhow she had 13.50 in it and never touched it for months
they changed her account from "free checking" to "premier" in April and a notice was sent out that she had to maintain a min $100 balance

So she gets her statement the other day and she is negative $167.00!!!!!!!!!!!

she calls cust serv last pm and they guy said he could waive $80 something as a "courtesy" and there is nothing more he could do for her.
She told him no go, and went down to her local branch this morning and the lady said dhe would look into it and call her this afternoon.
Needless to say she got a call back saying that's all they could do for her and she will owe them 107 dollars to close the account. the froze the fees until friday so she can figure this all out

Her credit is a tad shady
car rep 6-7 yrs ago
charge write off of $2500 4 years ago

any ideas? help would be so appreciated? this is in her name only mind you, and her maiden name

I can't believe a bank is treating her like this, it's not like she even wrote bad checks or withdrew past her balance!
Everytime I have a problem with a bank account or CC they are bending down kissing my feet to help

please help
 
That is crazy. Banks generally work with people.

We had a bank that would charge 2.00 a month "maintenance fee" for many months. We went in, they credit our account and changed the account to longer be feed.

Well hopefully you guys can straighten it out. Pay it off. It is better that way. I know many banks up here now report for non payment of overdraft and once you do that at one bank there is a database they put you on and you will not be able to get another account at any other bank.
 
do you bank there as well tiz?


If you have a large account with them threaten to pull it all out and go to another bank.
 
yeah what happened back in April. If they were charging her fees monthly, then didnt she know about it? Didnt she get a montly statement?
 
I have no accounts with them, and I am glad I don't

why give them $100 plus for a notice I NEVER GOT???

fvck them, I'm filing a complaint with the fed reserve and the state AG
 
The same thing happened to me when I went to Europe for the Army. I had an account here and they kept charging me an inactivity fee. My $100 turned into a negative nightmare by the time I got back.

My bank took care of me though. They apologized and waived the fees and gave me my balance back.

Your wife's bank sucks IMO.
 
Army Vet said:
My bank took care of me though. They apologized and waived the fees and gave me my balance back.

Your wife's bank sucks IMO.
Click to expand...

That is what I am saying, I have NEVER heard of a bank that won't work with you. This is utter crap.


No Ombudsman Smurf, he's on vacation
 
They "said" they sent out a notice in April saying "no longer free checking, $100 balance min yada yada".

She never got the notice

They are willing to waive $80 of $ 170 as a one time "courtesy" cause alot of people have had similar problems

So they are admitting they fvcked up!
my wife had thirteen dollars in the account, now she owes $167 and growing by the day? I don't think so
 
no Ort, unfortunately they are not shit out of luck..They could have slipped them into the March bank statement to tell customers it will be diff come April.

You are legally responsible of letting your bank know your correct address. That way it is on your checks, statements, etc..
 
Angel said:
no Ort, unfortunately they are not shit out of luck..They could have slipped them into the March bank statement to tell customers it will be diff come April.

You are legally responsible of letting your bank know your correct address. That way it is on your checks, statements, etc..
Click to expand...


she never changed addresses
she's lived here for 3 years or more

I'm gonna go down with 300 bucks on thursday and say I will open a savings account for my daughter if they make it right. What do you think?
 
ortiz34 said:
They claim they sent it out to everybody

If they have no registered mail or del confirm. I would believe they are SOL. Don't you?
Click to expand...

If you want to cause trouble look for an attorney that specializes in class actions and tell them what happened.
 
ortiz34 said:
I'm gonna go down with 300 bucks on thursday and say I will open a savings account for my daughter if they make it right. What do you think?
Click to expand...



This ^^^ is a good idea. Ask them to waive the fees if you opened up a new account. If not, take your cash and leave, and tell them your lawyer will be contacting them.


See you next year.
 
Army Vet said:
The same thing happened to me when I went to Europe for the Army. I had an account here and they kept charging me an inactivity fee. My $100 turned into a negative nightmare by the time I got back.

My bank took care of me though. They apologized and waived the fees and gave me my balance back.

Your wife's bank sucks IMO.
Click to expand...


Yeah but your thing is service members civil relief act. They had to or they'd be in the wrong.
We had a similar issue only with the bonus of a lock down on communications for 6 mths to add to the fun.

Craziest thing a back ever did to me was charge me an overdraft fee when I had made a deposit before the draft hit. Even with the deposit slip they somehow felt it was my fault plus decided to put the draft through all three branches resulting in three overdraft fees (36 bucks if that tells you how long ago). I eventually paid the fees after arguing with "Dear Bank Manager" for like two weeks then closed the account.
Sometimes its just easier that way. My credit union has never screwed me over.
 
Smurfy said:
I wonder why Ortiz has ignored my question about whether or not they rec'd the monthly bank statements
Click to expand...

yes, she has gotten a statement every month
just this past month it "changed" to 100 minimum and "notices were sent out" and "alot of people seem to be having this issue"
It's like yeah, No fn shit
you bounced my check book now you want me to pay you 160 bucks?
 
Why on earth would she keep an account with $13??? She doesn't know all bank accounts require min. balances/direct deposit to waive fees, or she never pays attention to those pamplhets?

r
 
miplank said:
I'd file bankruptcy
Click to expand...

ooolollolol

Ortiz, what bank is it, if you dont mind my asking? Send via karma or PM if youd prefer. If its any of the largest three (WF, JPM, BofA) I know folks that could get it taken care of.
 
I've always dealt with credit unions because these chain banks are crap sometimes. I had a problem with a bank like that and their "new installed" maintenance fees made me go negative on an account I didn't use. Little you can probably do except for calling the regional branches and start complaining until they get tired of hearing and waive them all and then remove all of the accounts from that bank.
 
Melaina said:
I've always dealt with credit unions because these chain banks are crap sometimes. I had a problem with a bank like that and their "new installed" maintenance fees made me go negative on an account I didn't use. Little you can probably do except for calling the regional branches and start complaining until they get tired of hearing and waive them all and then remove all of the accounts from that bank.
Click to expand...

exactly, squeeky wheel gets the grease
oh and "premier checking requires no min balance for the first year"

Only to new customers :rolleyes:
 
-$167.00 for 4 months worth of fees? There must be some actual activity in there somewhere. Eat it. If they put her on Chex Systems she's toast for a long time.
 
Dial_tone said:
-$167.00 for 4 months worth of fees? There must be some actual activity in there somewhere. Eat it. If they put her on Chex Systems she's toast for a long time.
Click to expand...


One month
last month was +5.50
they're charging a 35 dollar maitnence every week now

I'm going in and settling it up tommorow and filing a complaint with the Federal reserve consumer help, the AG, and the BBB depts for getting a refund

The account will be settled up and closed tommorow
 
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