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fucking overdraft fucked me.
so i went down to like 7 dollars two days ago in my debit account. i knew i was going to go under so i pulled out 60 from an atm and havent touched my account. suddenly im almost 200 in the hole. they charged me 33 dollars for going under. that should put my at around -90 in my account. fuckers are ripping me off bad now. im gunna call them tomorrow when i wake up and yell and hopefully they will take off most thoe charges. i wanna get it straightened out just before i get paid so they dont deduct the money from my check.
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Re: fucking overdraft fucked me.
man call your work and get your direct deposit stopped then cash the check at your buisnesses bank. they will take that ---- especially if they know it will automatically be there.
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Re: fucking overdraft fucked me.
just so you know being negative in the bank and not paying it is just like being late for a credit card payment, that ---- goes against your credit. you have to pay the fines regardless or you will go to collections. i would def try talking them down some but from experience they probably wont do much if anything for you.
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Re: fucking overdraft fucked me.
why would you withdraw money if you knew you didn't have it?
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Re: fucking overdraft fucked me.
national city? they love doing that.
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Re: fucking overdraft fucked me.
Originally Posted by CoreyR
just so you know being negative in the bank and not paying it is just like being late for a credit card payment, that ---- goes against your credit. you have to pay the fines regardless or you will go to collections. i would def try talking them down some but from experience they probably wont do much if anything for you.
I worked at the call center for Washington Mutual for a year (before they closed my job and shipped it to Asia). Your best bet is to go into your local branch and ask to talk to the Manager. They will be the most likely person to be able to reverse those fees. If you don't bring your account positive after about 30 days (depending on the bank), they'll close the account and send your debt to collections (IE: a big cock slap on your credit report). |
Re: fucking overdraft fucked me.
Originally Posted by CoreyR
just so you know being negative in the bank and not paying it is just like being late for a credit card payment, that ---- goes against your credit. you have to pay the fines regardless or you will go to collections. i would def try talking them down some but from experience they probably wont do much if anything for you.
You can go negative every single month and as long as it's brought back up to positive before it goes to collections(takes a few months)it will NEVER go on your credit report. No matter how shitty you are at managing your bank account it will NEVER go on your credit report. Obviously your bank might not want to give you a loan of any kind if they see how you are with your checking account, but any other bank will have no idea. My bank will ---- you in the ass if you go negative. Let's say you write a $100 check, a $600 check, and you use your debit card to make 5 seperate $5 transactions at the gas station. You have $500 in your bank account. Instead of clearing the 5 seperate $5 transactions and the $100 check, they will bounce the $600 check putting you in the negative by $100. Then they will bounce all 6 of the other transactions. So instead of getting one single $33 NSF fee they nail you with 7 of them for a total of $231. :3 Banks are notorious for that ----. I learned to keep my account in the positive at all times. ;) EDIT: I guess you were talking about not EVER paying it. Yes, that will ---- your credit up once it hits collections and even if you pay it off at that point it will still make your credit look like ----. :-\ __________________ Best Car Insurance | Auto Protection Today | FREE Trade-In Quote |
Re: fucking overdraft fucked me.
Money management owns you, mexican. Get a job that doesn't pay in burritos.
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Re: fucking overdraft fucked me.
Originally Posted by Dr.Boost
My bank will ---- you in the ass if you go negative.
Let's say you write a $100 check, a $600 check, and you use your debit card to make 5 seperate $5 transactions at the gas station. You have $500 in your bank account. Instead of clearing the 5 seperate $5 transactions and the $100 check, they will bounce the $600 check putting you in the negative by $100. Then they will bounce all 6 of the other transactions. So instead of getting one single $33 NSF fee they nail you with 7 of them for a total of $231. :3 |
Re: fucking overdraft fucked me.
no i plan on paying it, and i pulled the money to make it to the end of the month. i expected one charge of 33 dollars for the 60 i pulled but somehow they got a bunch more on me, so im going to call them and Bitch at them for a while. oh its called first national bank of texas.
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Re: fucking overdraft fucked me.
ive been fucked dozens of times wth direct deposit and overdrafts because they hold my money for a couple days.
i said ---- you usbank and went to a credit union |
Re: fucking overdraft fucked me.
Originally Posted by Dr.Boost
No it doesn't. ::)
You can go negative every single month and as long as it's brought back up to positive before it goes to collections(takes a few months)it will NEVER go on your credit report. No matter how shitty you are at managing your bank account it will NEVER go on your credit report. Obviously your bank might not want to give you a loan of any kind if they see how you are with your checking account, but any other bank will have no idea. My bank will ---- you in the ass if you go negative. Let's say you write a $100 check, a $600 check, and you use your debit card to make 5 seperate $5 transactions at the gas station. You have $500 in your bank account. Instead of clearing the 5 seperate $5 transactions and the $100 check, they will bounce the $600 check putting you in the negative by $100. Then they will bounce all 6 of the other transactions. So instead of getting one single $33 NSF fee they nail you with 7 of them for a total of $231. :3 Banks are notorious for that ----. I learned to keep my account in the positive at all times. ;) EDIT: I guess you were talking about not EVER paying it. Yes, that will ---- your credit up once it hits collections and even if you pay it off at that point it will still make your credit look like ----. :-\ not only do the overdraft fees suck when you get them but my bank charges $1 a day for the first 5 days then they start charging you $5 a day after that so if you cant bring the account up to positive fast enough they ---- you in the ass. |
Re: fucking overdraft fucked me.
bank of america is real bad about that ---- too, i paid 1300 in fees once because it took longer for my check to "clear" than i thought and basically everytime i used the atm they charged me for the money i took out, an overdraft fee, then anouther overdraft fee because of the 1.50 atm fee, but thankfully there is a law that they can only jew you with like 5 or six overdraft fee's in one day.
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Re: fucking overdraft fucked me.
not even i have ever gone negative in my life... its called being responsible and or having a real job.
if you dont have cash dont spend any, simple as that |
Re: fucking overdraft fucked me.
get a del cheapo credit card.. set it to be your over draft protection.. then rip up the card
and dont you it for anything else bank goes negative it automatically pulls money off the card in 100 dollar increments to cover your ass and doesnt cost ---- to do |
Re: fucking overdraft fucked me.
1 Attachment(s)
Originally Posted by buk9tp
get a del cheapo credit card.. set it to be your over draft protection.. then rip up the card
and dont you it for anything else bank goes negative it automatically pulls money off the card in 100 dollar increments to cover your ass and doesnt cost ---- to do |
Re: fucking overdraft fucked me.
keep everything in cash, ---- money in the bank
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Re: fucking overdraft fucked me.
Originally Posted by scottsi
keep everything in cash, ---- money in the bank
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Re: fucking overdraft fucked me.
stfu |
Re: fucking overdraft fucked me.
Originally Posted by buk9tp
that gives you 30 days to cover the overdraft interest free ::)
stfu 20% spending cash, and 80% income thrown into the bank is my motto. then whenever i feel like it, dump the rest into a hpmma. |
Re: fucking overdraft fucked me.
Originally Posted by hotrex
not even i have ever gone negative in my life... its called being responsible and or having a real job.
if you dont have cash dont spend any, simple as that |
Re: fucking overdraft fucked me.
my bank is retarded, i can go a week without ever using my debit card from my checking account and then use it one and check the balance on the atm and it will go down, but if i check it on the internet it will not show that charge for like a week, and becuase of that it is able to overdraw. its ------- retarded, the bitch at the bank told me it takes a few days for charges to clear, but who does the atm know my balance immediatly after using my card. they also tried to tell me that i CANT possibly overdraw my account if i ONLY use my debit card, bull ----, it is entirely possible.
------- jews, worse then ------s |
Re: fucking overdraft fucked me.
never thought I'd see the day where hotrex gave monetary advice.
the world is doomed. |
Re: fucking overdraft fucked me.
why the ---- would you pull money from an account to purposely go negative for acouple dollars?
you don't have some back up investments to sell in a time of need? well I guess you learned your lesson so I'm not going to bust your balls about it. |
Re: fucking overdraft fucked me.
Originally Posted by hotrex
not even i have ever gone negative in my life... its called being responsible and or having a real job.
if you dont have cash dont spend any, simple as that |
Re: fucking overdraft fucked me.
U guys get raped on the NSF charges, my bank charges $13 or $1 if they take it from your savings
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Re: fucking overdraft fucked me.
You idiots need to keep track of the money you spend, also be aware of HOLDS placed on your account when pumping gas.
Keep all reciepts, esp. those where you could write in a tip, I always leave cash now. Two years ago bitch at Steak and Shake wrote herself a nice $40 tip on a $27 food order, bounced my account. I was broker than broke.......bank wouldn't reverse the NSF fees until the po;ice called them saying they arressted her. She's doing 8-15 years for federal fraud..... |
Re: fucking overdraft fucked me.
Originally Posted by Mista Bone
You idiots need to keep track of the money you spend, also be aware of HOLDS placed on your account when pumping gas.
Keep all reciepts, esp. those where you could write in a tip, I always leave cash now. Two years ago bitch at Steak and Shake wrote herself a nice $40 tip on a $27 food order, bounced my account. I was broker than broke.......bank wouldn't reverse the NSF fees until the po;ice called them saying they arressted her. She's doing 8-15 years for federal fraud..... |
Re: fucking overdraft fucked me.
Originally Posted by marcj
Was she a hottie? if so, ---- you.. if not, then you did the right thing :6
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Re: fucking overdraft fucked me.
Originally Posted by scottsi
keep everything in cash, ---- money in the bank
banks are for jews plain and simple im drunk and evenknow that O0 |
Re: fucking overdraft fucked me.
Originally Posted by marcj
Was she a hottie? if so, ---- you.. if not, then you did the right thing :6
250 lbs, crater face, unibrow. You know with a unibrow she'd never trim the bush...... https://i69.photobucket.com/albums/i...hairy-bush.jpg |
Re: fucking overdraft fucked me.
got her number? im always lookin for a low quality blumpkin
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Re: fucking overdraft fucked me.
^^^^^OMGWTF?!?!?!?!?!?!? :-X
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Re: fucking overdraft fucked me.
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Re: fucking overdraft fucked me.
That's going to haunt me tonight when I sleep... :X
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Re: fucking overdraft fucked me.
Is that a photoshop?? How can a bush be so god damn big? :-\
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Re: fucking overdraft fucked me.
Originally Posted by Dr.Boost
Is that a photoshop?? How can a bush be so god damn big? :-\
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Re: fucking overdraft fucked me.
holy god damn that pic has me rollin! but yea man you gotta really watch those NSF fees. i set up a savings account, and automatically pulls $25/wk from my direct deposit. i dont touch it except for emergencies or in the VERY rare event i would have a NSF.
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Re: fucking overdraft fucked me.
HOLY FUCKAMO BATMAN! That bitch has got an 80lb nanner.
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Re: fucking overdraft fucked me.
shes got some pretty nice tits.
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