Insufficent Funds Charge On My CheckCard statement????

[Frackal]

WTF is this garbage? -18.00 twice for an Insufficient Funds charge...what is this, they charge me when I make the mistake of thinking I have more money in my account than I do? Talk about kicking someone when they're down.....goddamn. Also I ordered a 35.00 bottle of Retin-A from a company marked "Internet NZ" overseas and never got it, now I cant find the webaddress...perhaps I can call the bank and get more info on the company?

 

[Y_lifter]

Retin-A ? ?
Isn't that the stuff Girls use to keep their complexions clean and clear ?

 

[Paulos]

Hate that shit. I just dished out 40 in overdraw because my fucking internet company keeps charging me different dates.

AT&T Will pay.

 

[Frackal]

Retin-A ? ?
Isn't that the stuff Girls use to keep their complexions clean and clear ?

Yea bitch

 

[circusgirl]

Yup, ALL banks do this, it's caled SCREWING THE CUSTOMER.

They charge you 25 pounds (c. 33 dollars) here if you do that, so, "hey, you hvae no money, so let's charge you loadsa dosh, to tell you that".

They know that if you move they will screw up your credit rating. And most people will take a LOT of shit before moving banks.

 

[Frackal]

I think I'm going to go outside the bank at 5am and jump the bank manager and fuck him in the ass twice to get even...what a total load of absolute shit.

 

[hanselthecaretaker]

yeah, banks suck balls. I had this rut for a while where I got overdraft charges for like a month, just because it takes fucking weeks for the cocksucking checks to clear, and you keep having to use $$ in your account, but you have to wait around with your thumb up you but for the checks to clear so you know how much $$ you ACTUALLY have. I think checks should only be available for payday, and not accepted anywhere else. That would clear up a lot of the rifraf shit in our monetary system.

 

[MP5]

HAHAHAHAHAA!!!!

I work at a bank and every morning i am the guy that processes the list for all the members that bounced checks or overdrafted. I am the guy that says to charge or not charge you the fee. Our fee is $25 if we pay the check you wrote, or $21 if we don't. For $25 you just got a loan to cover funds that you gave people and did not have, for $21 we will refuse your charge and the company you promised funds to can charge you $50 and Checkrite charges you another $25. So you one mischarge can cost you $100, not to mention promising someone money you don't have is fraud and is illegal. So consider yourself lucky. I have no mercy when i run the list each day, most people i see on there are regulars and bounce shit all the time. Moral of the story...balance your checkbook and get overdraft protection.

 

[plornive]

Go into the bank and complain persistently. Eventually the banker will get annoyed or scared enough to reverse some of the fees. Usually they leave one of the fees... or if you're lucky they will reverse all of them. I've probably saved myself $500 by doing this.

 

[Frackal]

Well these fucking faggots didnt tell me any of this shit. I figured it was simple, you charge the card, its a DEBIT card so if the money's there, it goes out. If it's not, it doesnt, but there is no reason that I can see to charge me 40 fucking dollars just to deny a charge...fuck that bank.

 

[greek by injection]

i got charged $28 from suntrust for going over one lousy cent.

 

[wyst]

Retin-A ? ?
Isn't that the stuff Girls use to keep their complexions clean and clear ?

Yep...It burned mine though. That shit is too strong.

I've had the same thing happen with debit cards. You gotta read the fine print. I'm sure it in there. Sucks, but you're stuck. Get over draft protection, if you can...

 

[DICK_IN_ASS_TIMOTHY]

I have trouble feeling sorry for you Frackal. I am very meticulous about making sure my books are clean, and I've never been overdraft.

Simply, do not spend money you do not have.

 

[Frackal]

Shut up cockholster, I would have assumed this phenomenon of overdraft would have been explained to me since I got the fucking thing when I was still a teenager and obviously didn't know much about how the system works, you'd think they would give you some sort of paperwork detailing that out.....I am sure they did not because I read all the initial things the lady handed me... I had no idea about it at all.

 

[CAGED whiteman]

I have trouble feeling sorry for you Frackal. I am very meticulous about making sure my books are clean, and I've never been overdraft.

Simply, do not spend money you do not have.

 

[MP5]

you have to be 18 to get a debit card since it has the Visa logo on it. There is no excuse for bouncing checks since you can go online to any banks website and get a running balance of your account, showing all charges including pending and checks that have cleared. Using a debit card is exactly the same as writing a check, don't have the money, do writte the check. I have not balanced my check book in 2 years, i just go to wellsfargo.com and get my account summary. I only write 2 checks a month, this is the 21st century, people that still write checks for everything need shot in the head.

 

[p0ink]

fuck debit cards. i only use charge so if i dont get my shit or something is wrong with it, i just dispute the charges with my charge company.

 

[Frackal]

It's something I understand NOW, I assumed it wasnt a big deal. I charge, the little signal goes to my bank querying if I have the money, if the answer is yes, it goes out, if not, it doesnt. Bouncing a check is different because it actually takes time and you already have the product you wrote the check for...anyway whatever, maybe I'll shit in a bag and mail it to the bank or something.

 

[68GT350]

Shittin in a bag and then fucking the manager up the ass twice...Now I'd hate to work at that bank.