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A rough month

October 5th, 2006 at 04:43 pm

I checked my bank account ... to see if I could pin point the exact problem in it.

Turns out, I deposited $690 in CASH and they put it in as a check deposit. They hold check deposits for THREE days. During that time ... a bunch of little purchases went through, but also my car insurance. The car insurance overdrew the account, causing about 10 checks to overdraw. AARRGGHH!!

Not only did my car insurance not get paid, but I literally just got screwed. They charge a $5 a business day fee ... and they won't close the account or fix their mistake. Nothing will happen for the next 27 days, when they will charge off the account .... 21 of those days they will charge me $5 overdraft fees.

I'm so aggitated. Mostly at them ... b/c if the rep had just deposited the money in cash and not check ... none of this would have happened ... at the woman who told me "Just depoist the money" ... and at myself for banking with such a crappy bank (and for overdrafting the account to begin with).

On a good note ... I had a no spend day yesterday! WOOT! Today I have to buy gas, I'm almost out of gas, and I'm trying to decide if getting a Western Union or a prepaid debit card would be the best decision.

Have a good day, it's payday!

Posted in , No Spend Day | 6 Comments »

6 Responses to “A rough month”

  1. Broken Arrow Says:
    October 5th, 2006 at 05:01 pm 1160067673
    1160067673

    Ooh, that's rough. But that's also exactly the reason why I always have a $100 buffer set in my accounts to protect myself against situations like those.

  2. JanH Says:
    October 5th, 2006 at 05:08 pm 1160068115
    1160068115

    I can't believe they wouldn't fix their mistake. I'd search for another bank. You are the customer and should be treated fairly.

  3. LuxLiving Says:
    October 5th, 2006 at 07:36 pm 1160076996
    1160076996

    Amanda you might be a little intimidated because you are young, but trot your lil' ol' self right on to a higher and higher authority within the bank and complain and LOUDLY if you need to. This is their mistake and they need to fix it!

  4. sarah Says:
    October 6th, 2006 at 02:29 am 1160101762
    1160101762

    I agree with Lux Living. You might also want to call the Better Business Bureau. This is ridiculous.

  5. reginaastralis Says:
    October 6th, 2006 at 04:51 pm 1160153509
    1160153509

    Well, get this ... today they put my insurance check back through ... even though I asked for a hold. I called a rep, and was told that no one has requested a hold on my account. I left a message for a supervisor ... and if takes me DAYS, I will talk to a supervisor and something will be changed.

    GRRR ... going Monday to open an account at my wonderful credit union.

  6. LuckyRobin Says:
    October 10th, 2006 at 05:54 am 1160459690
    1160459690

    I agree with reporting them to the Better Business Bureau. They deserve it. Or take them to small claims court.

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