Dear Chase Bank

[terra 5,000+ posts]

I was closing an account and took out all except like 82c. Some small purchase came through on credit instead of my debit card like it should have and it racked up $473 in fees. Went down there, told em I'm not paying. They took it off the account for me. Nice folks.

 

[22mountaineer 10+ year member]

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!

This

Unfortunately, the only loan I can get is for 250 dollars because of this..

I will wait until I am older and wiser to make financial decisions so I dont use the plastic while I am young and stupid.

 

[bose301s 5,000+ posts]

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

FDIC and the Federal Reserve are 2 completely different things you little dumb fuck.

 

[CrispedUp 10+ year member]

My bank never overdrafts my account. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

 

[2loud4youmorris 10+ year member]

I overdrafted my account with $2.12 which was 2 double cheeseburgers and next I knew I owed them $137.60.

Most expensive double cheeseburgers I ever bought.

I then complained and got the fine lowered to like $70.

STILL!

 

[2loud4youmorris 10+ year member]

My bank never overdrafts my account. //content.invisioncic.com/y282845/emoticons/smile.gif.1ebc41e1811405b213edfc4622c41e27.gif

Mine doesnt now either.

 

[bose301s 5,000+ posts]

Mine doesnt now either.

I don't think that's what he meant. He meant that the bank never overdrafts your account, you do.

 

[cshaw 10+ year member]

i hate chase commercials.

 

[dillinja666 10+ year member]

you can actually turn off the overdraft option. I overdrafted once and a friend told me about this. Basically if I ever go to overdraft again it just denies charge. Keeps me from spending too much. It would **** if there was an emergency, but thats what a credit card is for.

 

[PV Audio 5,000+ posts]

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

You do realize that the FDIC has nothing to do with the Federal Reserve?

 

[bubbagumper6 5,000+ posts]

you can actually turn off the overdraft option. I overdrafted once and a friend told me about this. Basically if I ever go to overdraft again it just denies charge. Keeps me from spending too much. It would **** if there was an emergency, but thats what a credit card is for.

****, how do you do that? My gf overdrafted her freaking credit card, I would love it if it would just deny the charge...

 

[TurdFergueson2 5,000+ posts]

It's great when you're out of state and go to use your main credit card to pay for dinner, but then it turns out they cancelled your card due to "fraud protection" when the fraudulent purchase was yourself paying for your hotel room the night before. Ask me how I know.

Happened to me, but they called me on my cell. All you have to do is answer the call and follow the prompts. I've had chase for years. I've even overdrafted and they even waived 2 out of my 3 fees when it was totally my fault.

 

[RED3 10+ year member]

FDIC insurance is now $250K per account, the FDIC and Federal Reserve Bank are two entirely different government entities. Banks DO NOT overdraw anyone's checking accounts, the owners of the checking accounts spending MORE than what they have in the account causes an overdraft. Then the bank charges the OD/NSF fee because they have to spend time (aka $$$) to deal with the OD/NSF item(s), so that's why its best to NOT SPEND MORE THAN YOU HAVE your account. Fairly simple concept really. Going straight cash only is good until you want to buy something big, like a car, house, etc. No got 100 or 200K for the house, 20+k for a car, deal in cash only still= no credit history= no buy house or car in todays credit world.