Dear Chase Bank

[Pioneer~Saturn 5,000+ posts]

I had a small overdraft once (not even 4 dollars) and they charged me an arm and a leg for it so I sent them a pretty nasty email about it...right after that the money was back in my account.

 

[GAM3OVR 5,000+ posts]

my bank did this sh!t. 1 small overdraft. made a huge overdraft. which led to another. and another. after 700 bux in overdraft. had 200 left in the account after pulling from savings. cant do nothing about it too.... //content.invisioncic.com/y282845/emoticons/frown.gif.a3531fa0534503350665a1e957861287.gif sorry man. i know where u been. my current bank is awesome. no overdraft fees.

Where do you go?

i want to switch. Even if they refund me the $, or even a part of it. I dont want to go with this hassle bs again.

it is your own damn fault for relying on overage coverage...

Do you have a credit card?

What if you bought something w/ it and relied on it to go thru and it didn't.

My checkin card (debit) lands me a good award pointage. That's why I use it. While the credit card covers credit. WHAT ITS SUPPOSED TO DO.

This is why we have things called monthly bills, and you go pay them and put $ on credit again. Or are you unaware of this mysterious system?

IF you call them and be really nice, they can take the overdrafts back. once and only once, this seems like a good time to ask for it.

I think I might just do that

or fdic insures your money for the first 100k..so maybe not. and surcharges happen if you account is innactive, read your contract..

The Federal Reserve is also a corperation, they are about as federal as FEDEX. They don't have to give you shit.

Same as that tax you pay for no reason every year. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

I had a small overdraft once (not even 4 dollars) and they charged me an arm and a leg for it so I sent them a pretty nasty email about it...right after that the money was back in my account.

I'm going to write some letters for sure, anything to help. This is Unacceptable!

 

[dman4486 5,000+ posts]

Do you have a credit card?
What if you bought something w/ it and relied on it to go thru and it didn't.

My checkin card (debit) lands me a good award pointage. That's why I use it. While the credit card covers credit. WHAT ITS SUPPOSED TO DO.

This is why we have things called monthly bills, and you go pay them and put $ on credit again. Or are you unaware of this mysterious system?

#1. Yes I have a credit card

#2. Overage is designed to be an O-shit coverage not a hm.. I don't have enough money so my credit will cover it.

#3. If you want to use the credit card then use the **** card and this never would have happened now would it? Denial is a great thing and you would have known you didn't have the money.

#4. I use my credit card as a way to build my credit. If I do not have the money in my account that I plan to put on the credit card, then I will not buy whatever it is I was planning.

and reward points are bullshit anyway. congrats you have bought $10k worth of shit you can't afford and now you get a $10 gift card to a shitty restaurant.

 

[SRim23 5,000+ posts]

heres the problem with this story. they told you.. you just didnt read the new notice they send you in the mail. every couple months you get a new policy agreement sent to you and nine times out of ten people chuck it in the mail thinking its junk mail. it probably explained why your credit card got pulled from overdraft or something to that effect.

on the other hand, if you can prove they did it without your knowledge then this can all be cleared up by calling and demanding it get fixed. calling your branch and talking to a teller isnt going to get it fixed. keep asking for the boss, then the bosses boss, then his boss, etc until its fixed.

 

[Ignatowski 5,000+ posts]

all credit card and banks are fking the consumer...thats std operating procedure with our new blind govt

 

[skadude016 5,000+ posts]

The credit card and bank companies can only screw with people that dont have half a brain. If you read the contract and know what your getting into you can find a great company to go with and pretty much never have an issue. As long as you spend within your limits. And to say rewards cards are worthless is ignorant. I get 2% back on every purchase. 4% back on any dining and travel. 10% back on BP gas. I fail to see how this is a rip off.

 

[PV Audio 5,000+ posts]

i had a bank take out money because i wasnt spending any. thats kind of the purpose of a bank? im only 18 and ill never put another dollar in the bank. and if a depression ever hit, there goes every dollar of everyones in every bank

No, you just don't understand how banks work.

 

[RJesus 10+ year member]

If you had your creditcard backing up your account, theres no way they will be able to get away with charging you.

pm me

 

[DarkFire 10+ year member]

I have said it once and will say it again.

Credit Union for the motherfucking win. They will not pull bs or jackassery on you nor charge retarded fees on things that SHOULD be free.

 

[Annnarbor84 5,000+ posts]

Well I guess if you can't make it the honesty way, you have to do it the dirty way.
I'm closing all my credit card account. To avoid this atrocity, and will be going stricktly on cash.

Looks like the turbo fund for the build is going to have to wait.

FFFFFAAAAAAAACCCCCCKKKKKKK!

I had this happen so I cut up and canceled all of my cards and went an got a GreenDot Card. You can use it just like a credit card, I have booked plane tickets, rental cars, hotel rooms, all online purchases are made with this. The only money that gets on this card is the money you put on it. Works flawlessly in my case, good luck!!

 

[dman4486 5,000+ posts]

I had this happen so I cut up and canceled all of my cards and went an got a GreenDot Card. You can use it just like a credit card, I have booked plane tickets, rental cars, hotel rooms, all online purchases are made with this. The only money that gets on this card is the money you put on it. Works flawlessly in my case, good luck!!

GreenDot Card?

 

[iApex 10+ year member]

Something like this happened to me once.

The gym I go to double charged me for the month as a "yearly fee" I guess I signed that i was aware of that 3 months ago, but I forgot. And I was $2 short of the double fee they charged me, so I overdrafted and got a $25 overdraft fee. I was pissed at first but after going there and finding out why I got double charged all I could say was... FMLLL, gotta pay attention to that shit.

I feel for you, if they did that without your knowledge i'd bring a lawyer into it if you had to. Check your area for consumer lawyers they're a lot cheaper than the firms.

 

[aviator08 10+ year member]

**** that sucks Bofa screwed me out of $600 in overdraft fees.

 

[IamDeMan 5,000+ posts]

Relying that heavily on overdraft protection = lazy and stupid

 

[Annnarbor84 5,000+ posts]

GreenDot Card?

https://www.greendotonline.com/contents/Products.aspx