Just what I needed this close to Christmas.

So basically. I've been doing all of my shopping online. I've been using my debit card that is attached to my bank account over a credit card because I don't use credit cards. After every transaction, I've been calling the bank to make sure nothing is pending so I would always know how much I have, and I would never run the risk of getting myself in a situation I can't get out of.


I called the bank this morning just to double check, and they tell me I am overdrawn by 30 dollars, which makes NO sense when we take into consideration exactly how much money I had in my account to begin with. They read me all of the transactions and they all sound right, so they are claiming it as not something on their end.

But it has to be, because I've kept track of every transaction, every pending notice, everything. And I didn't spend all that I had in my account, lol. I'm not THAT irresponsible.

I also have it set up so my account CANNOT be overdrawn. The teller at first tried to tell me I never had that set up, but after talking to her manager she said I was set up for it not being able to be overdrawn all along. I know this is something on their end because this same crap happened to my boyfriend a couple months ago, at the same bank. One day he had the right amount of money and the next day he had like... $10. They fixed it for him, refuse to fix it for me, and now I'm screwed, unless I want to take money out of savings, and really... I shouldn't have to do that because they should fix their issue.

I am so pissed. What's crazy is if it were after Christmas I wouldn't be as pissed. But it's so close to Christmas, and I have last minute gifts to get, last minute food items to get... Ugh.

Bah f---ing humbug.



...Great. It didn't post at first so I had to repost it.

nothing?

Is that it?

Is that "just what you needed this Christmas"...

Nothing?

a reply to: OtherSideOfTheCoin

Added to my already crap day, apparently ATS didn't want me to rant because at first it didn't post my rant so I had to retype it...

I don't know what bank you use but I can look at my accounts online at any time. Being able to do that has saved me. If I make a mistake (math is not my strong point) and discover a potential overdraft pending, I can transfer some funds and fix it. If you can't see your accounts online maybe you need to change banks. Sounds like you need to change anyway.a reply to: Lyxdeslic

a reply to: Lyxdeslic
Welcome to the rigged banking system. I hear this story a lot. I'm beginning to think banks are worse than casino's.

originally posted by: Oudoceus
I don't know what bank you use but I can look at my accounts online at any time. Being able to do that has saved me. If I make a mistake (math is not my strong point) and discover a potential overdraft pending, I can transfer some funds and fix it. If you can't see your accounts online maybe you need to change banks. Sounds like you need to change anyway.a reply to: Lyxdeslic

Yeah. I just don't understand how this happened. I had a rather large sum of money that there's no way that I could blow through in the two transactions I made yesterday after I deposited even more money to my account. So either they weren't looking it up when I was calling and asking about pending notices, or I don't know.

Because I wrote down on my end every transaction I made. And also double checked with the bank, and everything matched. So overnight I lost a large sum of money. And even if they read the check wrong, or something, and I had it set up so overdrawing could happen... It still wouldn't have been 30 dollars. I'm just so annoyed. When you work minimum wage and you SAVE everything you have so you can spend extra at certain parts of the year, and then you're out all that money for a banks eff ups, it's really disappointing.

originally posted by: Klassified
a reply to: Lyxdeslic
Welcome to the rigged banking system. I hear this story a lot. I'm beginning to think banks are worse than casino's.

I'm beginning to think my money is safer if I keep it in an envelope in my sock drawer, is what I'm thinking.

I'm thinking if I need money for online shopping, I'll be putting it on disposable visa, that isn't through any bank.

a reply to: Lyxdeslic
Got any credit unions close by? They're about the same thing as a bank, but better in some ways. Just something to consider as an alternative...
Credit Union VS. Bank

My wife works as a manager of a credit union. She hears the same thing every day," it's not my fault".
99% of the time it is your fault.

You should be able to sit down with a manager and go over your transaction history and find out exactly where you and the bank differ. I would not leave until they showed you where the overdraft occurred.

pay with cash, computers and algorithm cant allways be trusted, what country do you reside, try contacting a financial ombudsman (they are free).en.wikipedia.org... thats if you are in the uk though,

ask to see the bank manager not the teller and dont tell them what its about, you may have to wait to see him/her but they usually out of curtesy pay you what you have been wronged bye and in most cases a compensation . good look sir/madam,

Credit. Card.

Problem. Solved.

originally posted by: Hoosierdaddy71
My wife works as a manager of a credit union. She hears the same thing every day," it's not my fault".
99% of the time it is your fault.

You should be able to sit down with a manager and go over your transaction history and find out exactly where you and the bank differ. I would not leave until they showed you where the overdraft occurred.

I would be more than willing to take the blame for it, if the transactions I had made were more than what I deposited. On top of the money that I already had in my account, I added another 170 to my account yesterday morning. The two transactions I made were $85, and $68 after tax and shipping. That's $153. So what I added yesterday on top of the funds I already had in my account was more than enough to cover it.

I'd be more than willing to take the blame if I never once called and asked about pending notices. I'd be more than willing to take the blame if this had not happened already to someone I know personally. I'd be more than willing to take the blame if I wasn't keeping track of my funds.


I'm kind of a control freak. I write everything down, and double check it multiple times.

When I talked to the teller, she said there was really nothing they could do because it's not like identity theft or something, because all of the transactions are transactions I made. So I guess I'm stuck with it, and I'm out $30 from my next paycheck, because I'm not taking money out of my savings and transferring it, just in case they eff up again. I mean, it's not like I can just ignore it. You know? They did say they aren't charging me for the overdraw though, because my account isn't set up to be able to overdraw. So I guess that's a plus, so I won't be out even more money.

a reply to: Lyxdeslic

with the new electronic age things can move faster or slower. Write a check at Walmart and they run it through the register and hand the check right back to you. It cleared that fast. Drop off a check at the bank after 2 pm and you will not have the funds in your account until 10 or 11 am the next morning.
this might be what happened to you.

I f#@king hate banks!, while you have the problem with your bank, keep records of everything, when you go to the bank, write down what was said and make the person dealing with you sign it, when calling them you want the name and time wrote down( even recording call if possible), this may seem like overkill, but they charge you for calls and letters, so charge them!( if its their fault!), ive done this, they refuse at first, when you threaten with legal action and contacting any media company, they play ball!!. Good luck.

originally posted by: Hoosierdaddy71
a reply to: Lyxdeslic

with the new electronic age things can move faster or slower. Write a check at Walmart and they run it through the register and hand the check right back to you. It cleared that fast. Drop off a check at the bank after 2 pm and you will not have the funds in your account until 10 or 11 am the next morning.
this might be what happened to you.

That's true, but when you have more than enough even without depositing the money, than when the money clears through and is added, you're still not in the negative. They are telling me my account balance is $-30. So somewhere I lost a lot of money, and it wasn't in the transactions I made yesterday. And it wouldn't have been in the transactions from past days, unless they lied to me when I asked about pending notices. I'm not trying to argue with you, and I'm thankful that you're bringing up other possibilities of what happened. But it just doesn't make sense, is all.

a reply to: Lyxdeslic


Have the bank print out your transaction history for the last week. You should be able to tell from that where the money went. You can also use online banking for that, if your set up for it.

I wish you the best of luck

Back when I still used banks, I had several times where they would hold all of my transactions until the withdrawals put me under zero, then they would run the deposits. The over draft fees were only known by my own record keeping. Or when I requested bank records.

The only way I found to beat it was too keep solid track of receipts, records, and dates.

They always claimed it was a simple mistake when I was able to prove the sequence of events.. Heh

originally posted by: Hoosierdaddy71
a reply to: Lyxdeslic


Have the bank print out your transaction history for the last week. You should be able to tell from that where the money went. You can also use online banking for that, if your set up for it.

I wish you the best of luck

Thanks. = )