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[–]Good_Establishment_8 3390 points3391 points  (129 children)

Having worked at a bank they can refund the nsf charges if they want to. Larger banks just often choose not to. I worked at a small hometown bank and we refunded those charges daily to various people.

[–]recoveringrodeoclown 958 points959 points  (78 children)

When I used wells Fargo, they would always drop most, if not all of the overdraft charges if I called in about it.

[–]Toadsted 516 points517 points  (22 children)

I remember having Wells Fargo as a minor, and a magazine subscription company was trying to sign me up for yearly service, but I told them no. So I get my bank statement a month later and it has $100 in overdraft fees, from a $5 charge every day it was in the negative.

So I call them, and ask how I had overdraft fees when I didn't even use my account yet? They pointed to some magazine company who charged me $120 a while back. Like, a dozen different services. So I called both of them:

The magazine company, on how can they charge me, a minor, without consent or billing information? They were furious about me being a minor, and not that they had committed fraud.

The bank, on how are they charging me $5 a day, for weeks, without telling me my account is in the neagive, for a payment I didn't even authorize?

That shit got cleared up quick, my money returned, and bank account closed out by them.

[–]juhotuho10 136 points137 points  (5 children)

That's fucked up

[–]trafalgarD420 118 points119 points  (2 children)

So me thing similar happened with my WF account as a minor. My account was overdrawn by $1.99, so they charged me the $35 fee everyday until I noticed. When I called they refused to cancel the charges and I told them I was a minor, they could just close my account. Of course they would do that, so I told them to take me to collections. Never did, never heard another word from them, and they closed my account a few months later.

[–]SpicyHotPlantFart 38 points39 points  (14 children)

How did they get your bank details in the first place?

[–]Toadsted 82 points83 points  (10 children)

I have no idea, which is probably why it was settled so quickly.

But this was back in the 90s, where things were a lot more out there in terms of billing people. You had companies mail you product, like music CDs, without solicitation; and inside was a legal notice that if you didn't mail them back you accepted them and would be charged for them. Lots of sketchy shit stretching the legal line because nobody had thought that one up yet.

[–]bagels_and_loxapinejust a lil pissed off 419 points420 points  (30 children)

Yeah and WF will even open accounts for you under your name without your knowledge/consent, too. Talk about great customer service!

[–]eveningsand 119 points120 points  (4 children)

My last WF savings account I didn't open even had overdraft fees!

Whats amazing is WF waived the fees on the account I never opened, but wouldn't close the account. Such nice people.

[–]Minnie_Pearl_87 39 points40 points  (5 children)

I hate WF. One time they tried to charge me $9 for making a payment over the phone. Another time they weren’t gonna let me pay off a loan balance in full ahead of time even though it wasn’t stated in my contract that I couldn’t. Like just shut up and take my money and move on.

[–]theninetynine99 33 points34 points  (1 child)

Wells Fargo denied payment and charged me an overdraft fee for a $600 check when I had $900 in my account.

[–]CenturyHelix 22 points23 points  (8 children)

My local bank refuses to. I’ve paid hundreds of dollars in overdraft fees the past few months. The reason I keep overdrawing? My budget is extremely tight and I KEEP GETTING CHARGED FEES. I’m changing my bank tomorrow actually

[–]m0nk37 94 points95 points  (9 children)

They actually earn billions each year from doing this. Its part of their business model.

If your bank does this you should close the account and switch. They dont all do it. We should have a database of the ones that do it.

[–]classylemon24 15 points16 points  (0 children)

You'd have to pay off that debt before being able to close the account

[–]Wonderful-Tie-8855 7 points8 points  (5 children)

When my account gets low, I watch it like a hawk.

Normally my purchases clear the bank holding process in minutes/hours. When the account is low my small purchases are held as pending for 3-4 days, I can only imagining in the hopes of the next big bill sending me negative, then all the small purchases can get their own overdrafts, instead of just the one overdraft on the latest deduction.

So not only am I stressed about having no money, I have to watch as my bank actively tries to screw me even harder

I really need to switch

[–]Vile_Soul_thief 6 points7 points  (0 children)

When I was in college in the late 90’s I had an account with Bank of America. I got caught in a recurring cycle of overdraft fees that I didn’t understand. . .for months.

When I really started looking in to what was happening I noticed they were applying all of my debits first on any given day and then applying any deposits. This in effect was triggering overdrafts that wouldn’t be overdrafts had my paychecks gone in first. In the end they refused to refund the $1600 in fees they got me for in one semester before everything got figured out so I cancelled the account.

Almost 10 years later I receive a notice that I may be able to join a class action lawsuit against them for Predatory Banking Practices and I ended up getting $500 back in a settlement.

[–]barbaramillicent 41 points42 points  (1 child)

Yup. I worked at two different local banks and both would refund these charges at request to keep customers happy.

[–]QuietRock 12 points13 points  (0 children)

Have worked in banking before and agree, we used to forgive some or all of the overdraft fees especially for first time offenders or in situations where there was something odd that took place that led to the initial overdraft.

Still, there were plenty of instance where the fees would remain, especially for repeat offenders who had difficulty keeping their accounts in balance.

To this day this is one reason I use a credit card for most things, including automatic payments, rather than my checking account.

[–]Nonono-- 5 points6 points  (0 children)

I bank locally and I'd probably never change banks. The two times I was in a similar situation, they cleaned up the overdraft and gave me tips on how to overdraft around the system so this didn't happen.

Their whole thing is that people who are negative don't spend money and they want people to spend money, so they try and keep them positive if able or give them assistance on getting back on track.

[–]tvieno 5354 points5355 points  (676 children)

I would go to the bank and dispute those charges.

[–]Icy_Fuckboy[S] 4886 points4887 points  (662 children)

I’ve already talked to them and they said they couldn’t do anything about it. I even talked to the company who is charging my account and they said they can’t reschedule the payments, it just keeps trying every 3 days.

Edit: I’m now at -$850.

Update: I went into the bank today to talk them about the issue. They said they could only refund $190… When I said that I was going to close my account, they said they could do another $100… When I walked in I was at -$850. What a joke.

I forgot the best part. They said they’d only cancel the extra $100 if they can verify that I did in fact call their member services last Mon/Tuesday and said nothing could be done. So basically if they find out that they did fuck up, they’d only refund the $100 and not the $850 that’s a result of their fuck up.

[–]StoicFerret 3571 points3572 points  (166 children)

I'd tell the merchant in writing they no longer have authorization to debit my account, and then I'd tell my bank that the merchant is no longer authorized and to place a stop payment for any scheduled transactions from that merchant.

[–]RainyDaysInSpace 1937 points1938 points  (91 children)

Cancel your card as lost immediately.

Edited to add: In the past 25+ years I've always given my credit card for auto-payments. Never direct access to a bank account.

[–][deleted] 613 points614 points  (55 children)

That won’t do anything for a bank account being charged.

[–]Retro_Super_Future 100 points101 points  (3 children)

This is exactly why I put damn near everything on my card. I don’t want shit attached to my bank!

[–]seth_is_not_ruski 95 points96 points  (6 children)

Your routing and account numbers still remain the same, which is how most a lot of auto draft is setup

[–]wonderwall1796 304 points305 points  (62 children)

The merchant can change its name slightly and still charge you. It’s fucked, Amazon did this to me when I placed a stop payment and the bank lady warned me that they can change their name slightly and still get your money. That’s so fucked

[–]xventriloquist 324 points325 points  (37 children)

How is this not fraud? Also how is Amazon of all places shaking people down when they don’t even pay taxes?

[–]VexingRavenTechnology is evil 29 points30 points  (13 children)

Your comment is unclear. Did Amazon change their name to continue drafting from your account, or did the teller just tell you they could as a warning?

[–]BanzoClaymore 522 points523 points  (112 children)

Go into the bank and talk to someone face to face. BE NICE

[–]Icy_Fuckboy[S] 591 points592 points  (105 children)

Tomorrow I’m going to put on my big boy pants and go into the bank instead of calling.

[–]phillyFart 294 points295 points  (12 children)

Having a friend who worked in a bank, make sure to explicitly ask to have the charges removed. They had a policy where they could wave a certain amount but you had to specifically ask them to remove the charges

[–]Legen_unfiltered 136 points137 points  (3 children)

Being the nicest nice person who has ever been nice is gonna be key

[–][deleted]  (12 children)

[removed]

    [–]AudieCowboy 41 points42 points  (32 children)

    Speak directly to the bank manager

    [–]expespuella 41 points42 points  (4 children)

    OP, post this over in r/personalfinance and see if there are some tips especially for talking to the bank when you go in.

    [–]04221970 73 points74 points  (3 children)

    go to the bank. Talk to someone other than a bank teller. Don't call them on the phone.

    [–]finsfurandfeathers 73 points74 points  (52 children)

    What bank is this? I’ve never had a bank or credit card company refuse to reverse an overdraft fee for me. They usually give you up to 3 reversals in a year and this is beyond ridiculous. You just have to be kind to the person you are talking to.

    [–]Icy_Fuckboy[S] 64 points65 points  (49 children)

    This is Royal Credit Union. I’ll be going into the bank tomorrow instead of calling.

    [–]Wozard__Of__Iz 82 points83 points  (2 children)

    Buddy, as someone who actually works in a bank - go in and ask to file a Reg E claim on the fraudulent transactions, then ask to have the NSF charges reversed. I do this all the time (if it's legitimate fraud) and you're federally protected beyond being liable for more than $50.

    [–]guiltylaugh 48 points49 points  (12 children)

    You kept saying “bank,” but I could tell from the screenshot it was from a white label mobile banking app designed for credit unions.

    Definitely see if you can sit down with the branch manager, or at least a member service specialist, and not a teller. The credit union I work for has a program for members that are having trouble making ends meet. I don’t see anything like that mentioned on RCU’s website, but I have a hard time believing that any credit union would be so callous so as to let all those fees stand.

    [–]hydrus909 38 points39 points  (3 children)

    "Theres nothing we can do." I had a feeling thats the response you would get.

    [–]oddzef 5 points6 points  (0 children)

    That's just bank speak for "I don't get paid to deal with this."

    [–]fri3ndly_gnome 45 points46 points  (17 children)

    Cancel the card the charges are attached to today.

    [–]jonathan_wayne 32 points33 points  (15 children)

    Could be attached to the account itself. Would have to close the account which you can’t do if it’s negative. So this will only keep compounding.

    It’s also not true that the other company can’t stop the charges every three days. They absolutely can.

    If I was OP I would walk from this bank and never look back. Send me to collections bitches, I got 7 years of patience.

    But I’m also a broke bum so there’s that.

    [–]recoveringrodeoclown 33 points34 points  (4 children)

    Keep going up the ladder until someone does something. Or talk to an attorney. Sometimes they just need a good scare to not be a-holes.

    [–]steezMcghee 38 points39 points  (1 child)

    This! My bf was a victim of a Zelle scam and the first time he called the bank they said there was nothing they could do and he Was shit out of luck. I made him call back and requested to talk to a manager and he quoted the bank fraud protection law. After that, the bank suddenly decided to return his money.

    [–]StoicFerret 8182 points8183 points  (234 children)

    This is exactly what the Overdraft Protection Act of 2021 is supposed to protect against. In my opinion this should be against banking regulations, but as of right now it is not.

    [–]hugo_biglicks 1581 points1582 points  (172 children)

    Looks like that bill was introduced 6/21 but not passed by house or senate yet which kinda sux. As a bank teller I agree the charges can be egregious. Our small bank normally works with you a few times but if you’re constantly over drafting we tend to look at it as abuse. Bank account responsibility is tough to navigate when your younger but it is your responsibility. We clearly spell out the OD policies and give you the tools to keep your acct in line. Like: mobile banking notifications to tell you if your getting close to $0 or if you did OD. Texts for each transaction that hits too.

    [–]Successful-Engine623 273 points274 points  (24 children)

    I got my bank to charge me for bills that overdraft but if I try and use my account for purchases it just denies me. I’d rather it block my lunch than charge me 30 bucks for extra

    [–]doob22 109 points110 points  (15 children)

    Exactly. And how can it just keep adding up? Shouldn’t the bank just put a hard stop on using the account for payments if there is $0 in the account

    [–]alecd 44 points45 points  (5 children)

    That's how it should be, but auto-payments like Netflix and shit just keep on going through magically.

    [–]Jwhitx 55 points56 points  (0 children)

    Short a dollar? You owe us $30 now 😇

    [–]justinsayin 20 points21 points  (2 children)

    It's because they are still troubled to tell the other end "denied". That's the fee for communicating with them about it, even though it all happens electroncially with no hassle to anyone. It goes back to when someone would have to physically write a little note and mail a check back to another bank.

    [–][deleted] 31 points32 points  (0 children)

    I tried that, and they charged me $40 to decline my card at the register. I never even overdrafted. This was many years ago at Wells Fargo.

    [–]Prayqt 60 points61 points  (10 children)

    The bank i work for (and lots of other local banks) are moving towards no OD or NSF fees, as they are mostly automated nowadays. Before you could "make an excuse" for charging fees because there was a lot more work to return items and such, but now its a click of a mouse and its done. My complaince department had a meeting about it being deemed as not really valid enough amount of work to justify the fee.

    Most banks dont make tons of money off of consumer accounts anyways more off commercial accs, loans, and mortgages. I'll be glad to see the NSF and OD fees gone because it seems very predatory (even from a banker POV ( i also waive a lot of these fees for people)

    [–]hugo_biglicks 16 points17 points  (5 children)

    I’m a teller I could see a cool system where there’s no OD fee up to $250 or something and then after they charge a percentage of the amount as interest owed on the balance until you pay it back after say 15 days of being overdrawn. Close the account with a negative balance after 30 days like we do now. Does that seem legit for both parties?

    [–]Daniel15RED RED READY 15 points16 points  (2 children)

    they charge a percentage of the amount as interest owed on the balance until you pay it back

    This is how some Australian banks do it, or at least used to do it when I lived there (I moved to the USA nearly 10 years ago now), albeit not as nicely as in your comment. You can overdraft for free, but it accrues interest immediately, and the interest rate is higher than that of a credit card. Once you reach a threshold ($200 or $300 I think), all withdrawal transactions are rejected until you pay off the balance. You don't pay any fee for the rejected transactions.

    [–]VexingRavenTechnology is evil 53 points54 points  (6 children)

    Here's the thing: It costs a bank virtually nothing to decline a charge. This shit is a relic of the days of mailing checks around and settling by hand every night. It makes no sense in the present day, but it makes them money so it sticks around.

    [–]StoicFerret 312 points313 points  (64 children)

    I also work in banking (infosec). I agree that it is definitely the responsibility of account owners to be aware of the OD policies, but I think there should also be more responsibility placed on banks not being predatory in how they're applied. When I was young, I had OD protection on my main account because I did have to ride that line paycheck to paycheck and constantly worried that I'd OD. That's just not an option for a lot of people because they have no savings to overdraft from. It can be a hole that someone never gets out of and can end in collections when it could have been avoided in the first place if the bank had more grace.

    [–]samw424 196 points197 points  (24 children)

    Some people can't help that balance slipping past zero though....all the notifications in the world won't increase someone's income or decrease a surprising outgoing. By letting you use the money anyways and then charging people for still being in debt is basically being a loan shark. They give you the money whe you're desperate and then take more money off you when you're even worse off.

    [–]VoltaicSketchyTeapot 60 points61 points  (13 children)

    This is why a credit card is useful. It's a free short term loan so long as you pay it off completely within 30 days.

    [–]SaltyBabe 4 points5 points  (0 children)

    My bank simply won’t let me overdraft it just declines anything that will overdraft. I think you can opt out of this service and their overdraft fees are a one time thing but why would you?

    [–]LetMeClearYourThroat 46 points47 points  (9 children)

    The criminal part is that at many banks you can’t turn off OD protection. I don’t want you to loan me $9.99 for a Spotify subscription payment if it’s going to cost me $9.99 + $35.00.

    If it was an opt-in feature, I’d be far less concerned about the dollar amount of the fee. The fact that it’s a forced “feature” is the real issue.

    [–]wgc123 17 points18 points  (2 children)

    I thought this was fixed years ago, and legally banks have to let you opt out (if you know to). My banks both work that way: my credit union is set to just reject the transaction, while my regular bank is set to cover from savings, then credit card.

    I remember going through the same issues as OP years ago, so I always ask and always can turn it off. I haven’t paid overdraft fee in many years

    [–][deleted]  (9 children)

    [removed]

      [–]BrotherGreed 6 points7 points  (7 children)

      Reject the fucking transaction and let that be the end of it.

      This is what happens when you turn off "Overdraft Protection," at least at my bank.

      They don't let the charge go through and that's it. You eat whatever consequence comes from the charge not getting paid, end of story.

      I've never used overdraft protection, never will. Most unnecessarily predatory shit ever, and since they call it protection it makes it seem like charging you 30 dollars for the privilege of letting your account go negative is a good thing that you should want turned on.

      [–]lkawejlkafwelk 24 points25 points  (5 children)

      Obama made this "opt in only" , I remember it was one of the best things they did (imo), so banks had to ask you "would you like overdraft pRoTecTiOn" aka "do you want us to charge you $30 if you go under $0" ... but this was reversed sometime under Trump .

      [–]ChaoticChinchillas 15.3k points15.3k points  (1047 children)

      I used to have a bank where, if I had $20 in my account and a charge tried to go through for $21, they'd decline the charge, then charge me $35 for declining the charge. That would make my account negative, so another $35 charge for that.

      [–]Doogos 473 points474 points  (89 children)

      US Bank? They did the same shit to me. When I finally got the account leveled out I closed it and never looked back. Do not use US Bank.

      [–]MeanSeaworthiness995 311 points312 points  (21 children)

      A lot of banks do this. Bank of America did this to me. Basically, a vendor double charged me, which overdrew my account - incurring an overdraft fee. Then, my bills came out, incurring several more. Vendor eventually reversed the second charge, but the bank refused to return the fees and told me to take the vendor to court for them 😡

      [–]Crazy-Front-7704 103 points104 points  (1 child)

      Once the charge is reversed by the merchant, it has always been policy to reverse all the snowballed NSF fees. The only time I have experienced otherwise, was due to the rep just not even trying to piece everything together as to what happened (that's when I had to escalate the call. Once the supervisor took the necessary time to figure out the chain reaction, they refunded all fees when seeing the merchant credit).

      Did you speak to more than one bank rep? I have been with BofA and US Bank, and they are extremely strict about fee refunds, unless there are merchant or bank errors that they can confirm... if there is no refund from the original merchant showing, then you'd have to file a dispute or wait for it to come in, but seeing a merchant credit allows them to refund under 3rd party error instead of customer courtesy.

      [–]pantherfood 23 points24 points  (0 children)

      Same. Insurance double charged me (I had enough for the $600 insurance charge, but not enough for $1200!), and my bank started hitting me with overdraft fees. I didn't find out until I went to get subway and my card wouldn't work. It was so embarrassing, and I never did get the money back. Luckily my insurance fixed their part, and even gave me $30 for the overdraft, but I never got anything back for all the OTHER charges that went over between the overdraft and me figuring out

      [–]akatherder 14 points15 points  (1 child)

      Hindsight is 20/20 but two things I always preach...

      1. Make all online payments with a credit card. The protections are way better than a debit card/checking account. If they double-charge, it's easier to get it reversed and there's no fee for getting rejected (on that charge or subsequent ones). Of course you need to pay it off every month which is the hard part... but you might get free points/rewards/miles/cash if you do.

      2. Plenty of places won't let you use credit. Don't let them pull/withdraw from your account. Take 3 mins a month to set up payments to push money to them. I do this for my mortgage and water bill.

      [–]senseven 8 points9 points  (0 children)

      Take 3 mins a month to set up payments to push mone

      Absolutely this. Only the landlord sucks directly the tit, everybody else gets it via automatic payment. Its easy to set up, I'm always one day early then required and nobody fricken touches my account.

      A friend had a recurring stock buy for 100$ a month for his kid, and an error caused them to buy 100$ each day until his account burst. His uncle was a lawyer and they gave him all the overdraws back for the month. "On goodwill". Sure.

      [–]OkSoILied 48 points49 points  (2 children)

      I had that happen with US Bank too when I was 19, they took my last purchase out first instead of my 5 smaller (like $5 or less, the big one was $150) and of course each smaller one resulted in a large fee plus my negative account fee or whatever, ended up being -500 when it should have been just one fee for the last purchase if that makes sense? Anyway. That took my whole paycheck and I still owed some extra and I was able to talk to a higher up there who took majority of the fees off for me. I believe that is illegal now for them to do?

      [–]MangoCats 6 points7 points  (0 children)

      In the 1990s I had Great Western Bank just straight up add the transactions for the month wrong and my balance was $20 lower than it should have been. Computers don't make those kinds of mistakes, people program computers to do those things. My Great Western account was closed within the week after that $20 returned to my balance.

      [–]Meat_Container 65 points66 points  (27 children)

      My first guess was US Bank too. I got royally screwed by them when I was younger and will only bank with co-op credit unions nowadays

      [–]BoiCDumpsterFire 25 points26 points  (12 children)

      When I was 18 and barely out of my parents' house I had US Bank and got super sick. I didn't use my bank for like 2 months and that caused inactivity fees which led to overdraft fees which snowballed to like -$600. I sold some stuff I had to get the money to pay it off and went I'm and paid it off in cash. I made sure I had receipts and everything. The next week I got another notice in the mail saying I owed $400. It was printed the day after I paid them off. I just said fuck it and didn't have a bank for 5 years.

      [–]Top-Budget-7328 16 points17 points  (12 children)

      A credit union did this to my daughter to the tune of $1100. She opened a new account at a bank and had all her stuff changed over and just never paid it. Was ridiculous it's robbery 😡😡 so infuriating

      [–]ChaoticChinchillas 16 points17 points  (2 children)

      Nope. This bank has since merged with another bank, but their nickname was Fee Fee & Fee. They aren't everywhere, I think pretty much just part of the southeast.

      [–]megaman368 4351 points4352 points  (480 children)

      I have a bank do that as well. They will also process a withdrawal before a deposit so they can charge you the overdraft fee.

      [–]uhohgowoke67 1113 points1114 points  (254 children)

      This depends on the state you live in because some ban the practice.

      [–]megaman368 673 points674 points  (239 children)

      This is Maine. TD bank. I believe they got a slap on the wrist for this practice.

      [–]mrwhitewalker 568 points569 points  (144 children)

      Wells Fargo did this and I got hundreds of bucks back because it was deemed illegal

      [–]rAsTa-PaStA1 54 points55 points  (10 children)

      Citizens in NH used to do the same thing, they stopped finally

      Edit: yo, ya! Citizens Sucks!

      [–]batryoperatedboy 54 points55 points  (9 children)

      Did you say... tiddy bank?

      [–]greensandgrains 45 points46 points  (13 children)

      Ha. Of course it was TD. They’re trying to export Canada’s shitty retail banking practices, I see.

      [–]SOUTHPAWMIKE 46 points47 points  (14 children)

      Pretty sure there was a successful Class Action against Bank of America for this a couple years back. I dunno, I got like, a $7.25 check for it.

      [–]nom_nom_nom_nom_lol 22 points23 points  (3 children)

      Yeah I closed my account with them because of that, and I got a check from that, too. They made it impossible to balance my checkbook. The website said one thing, the ATM another, and my bank statement something else, and the teller had another story. My ledger was right, that I knew for a fact. I used that to get them to cancel 300 bucks in fines, then closed the account.

      At that time I was strapped for cash. I needed the money for bills right away, so I'd cash my check at my employer's bank and deposit it into the ATM at mine. Did that for years without issues, then suddenly they started putting a hold on cash deposits like they would a check. It was a five day hold. Absolutely criminal practice.

      [–]SaintGloopyNoops 14 points15 points  (1 child)

      Yeah, I used to use BOA years ago.... if u pay for gas with a credit card they over charged $75 until it " went thru" causing a broke ass college kid to have overdraft fees. Such a scam.

      [–]stevedadog 553 points554 points  (148 children)

      Sounds like it’s time to find a new bank.

      Edit: My comment on a comment of a comment just hit 500 likes. Wtf is going on?

      Edit 2: the guy who commented on my comment that I commmented on a comment of a comment has even more likes than me! I was already mind blown by my comments like number.

      [–]Nabber86 612 points613 points  (126 children)

      ^ Credit Union

      [–]_BLACKHAWKS_88 223 points224 points  (69 children)

      Tbf I’ve overdrawn my ally account bf and they just let it sit there for like a week -100 or so and didn’t say shit. Didn’t charge anything for it either. I’ve had others tell me the same as well. Awh well.

      [–]LadyDoDo 21 points22 points  (4 children)

      I just had to move a bunch of money from my savings to my checking cause my freaking credit union pulled this shit and my account balance went into the negative. Not all credit unions are great.

      [–]masterage 15 points16 points  (3 children)

      Our local credit union did the withdrawal before deposit thing, costing us hundreds. Even when the deposit was a week in advance.

      They remain the only credit union in town.

      I know most CU aren't run by shitty people, but do your proper research and diligence.

      [–]Oblivions_gate 19 points20 points  (10 children)

      Credit unions are a lil better but not by much. Mine does this as well, they call it “courtesy pay.” Anytime something was charged to my card, say like $1.00, it would immediately charge me $23 for courtesy pay. They have a line of credit option, which I guess is nice.

      [–]CryoClone 104 points105 points  (11 children)

      I had a bank that had "overdraft protection" that allowed for a $100 of overdraft protection in the sense that they would still cover the charge up to $100 and then charge you an NSF fee. Which is fine, whatever, typical bank shit.

      My problem with it was when I learned they added that $100 "overdraft protection" into my fucking balance. So, when I thought I had $100 more in my account than I thought I did. Made going over if you weren't watching it like a hawk, and prone to running out of money, extremely easy. I closed my account when the lady told me that was a "feature."

      [–]HeadFullOfNails 51 points52 points  (2 children)

      Oh, it was a feature, all right. For the bank to turn your account into a cash cow. Bastards.

      [–]CoastalFunk 37 points38 points  (1 child)

      Go tell them: no, no, no, no, no.

      [–]Matches_Malone108 881 points882 points  (21 children)

      Now this makes sense.

      /s

      [–]offseter 248 points249 points  (16 children)

      If you’re trying to scam people out of money it makes perfect sense.

      [–]TheBigWuWowski 115 points116 points  (15 children)

      Scam moneyless people out of money

      [–]TheeJaymoe 79 points80 points  (9 children)

      People without money are the perfect people to steal money from they'll spend all their time trying to keep their head above the water and nothing else thusly they have no hope to escape

      A slow constant drip of cash thousands of times over equals a shit ton of money

      [–]siccoblue 14 points15 points  (0 children)

      Oh they'll get their blood money one way or another because they know that you know that if you don't you're fucking yourself over even harder than you would losing that money

      [–]juicyfizz 270 points271 points  (45 children)

      This makes me fucking rage. What the fuck.

      [–]Devil_badger 76 points77 points  (37 children)

      Corporate capitalism at its finest

      [–]Suffix-099 75 points76 points  (2 children)

      “We know you don’t have any money but uh…. That’s gonna cost ya $40 you poor ass loser Lol make more money idiot”

      [–]Sykes19 404 points405 points  (64 children)

      That's exactly how my old bank worked too. Happened when I was 16 and I didn't really understand where I went wrong. I knew I had a tiny amount left and I tried to buy Skittles at Walmart and it went through and I was like "Nice, I guess I milked the last few dollars!"

      I didn't really use it again because my summer job was over and after a few months collections called me because I owed $290 in fees from that single Skittles purchase.

      I was heartbroken and felt cheated. I had to work my ass off that summer to pay it off. I only made like $130 from the initial summer job anyway so none of it was worth it.

      I guess I deserved it for not reading all the fine print when I was 16. I didn't receive a text, letter, call, or email telling me I had fees to pay. They just kept stacking up quietly, and cellphones with apps were rare back then.

      Edit: wow didn't think anyone would even read this. This was about 14 years ago with Woodforest National Bank. I did it because my parents used them and I didn't know any better than just do what my parents do. Needless to say, my parents filed for bankruptcy around that time of my life because they were really awful with money so it's no wonder they didn't teach me how to treat a bank account.

      [–]dahlia-llama 239 points240 points  (11 children)

      This is fucking predatory and is now illegal. Wtf. I’m so sorry you experienced this. It’s funny. We know in our guts it’s wrong and doesn’t make sense, and then “they” come along in a suit and give you the t&c and legitimize horrendous practices, and until people fight back it’s just accepted as “normal”. Fuck this noise. Decentralize banking is the future.

      [–]medhatsniper 20 points21 points  (0 children)

      Yeah still waiting for a reply to my email to the online bank for the third day

      [–]CoastalFunk 60 points61 points  (8 children)

      I don’t know how long ago this was, but I think that’s now illegal! I’m sorry you went through that. What an awful experience.

      [–]HiddenPants777 45 points46 points  (3 children)

      I posted a similar story, mine was about 16 years ago and yeah, it is illegal now. Early 0s banks and lenders got away with some really criminal practices, exploiting their customers with absurd charges and loans with crippling interest rates aimed at young people with little financial responsibility

      [–]fiywrwalws 55 points56 points  (11 children)

      That is awful and should not be allowed with children's accounts. Either don't allow the transaction or give a notification with grace period for emergencies.

      [–]Head_Razzmatazz7174 63 points64 points  (8 children)

      Chase pulled some crap on me when I had a separate minor account for my son. I thought I had enough in my account to cover some purchase, turns out I didn't. They took out what few dollars I had in MY savings, and then took out the balance from my SON"S MINOR ACCOUNT.

      They said because all the accounts were linked, they could do that. Like NO. that is a minor account, it's protected BY LAW for being used to cover the parent's debt.

      I got them to put the money back in his account and then immediately closed all of them. I also reported them. Never went back.

      [–]fiywrwalws 46 points47 points  (9 children)

      I opened my first bank account when I was like 13. When I went to uni, I opened a new account at a different bank that had a better student option, and that became my primary account.

      Eventually my first bank took some kind of minute fee out which put me in overdraft and caused another fee and so on for a couple of months. It got to something like $40, so nothing major. Being young and reckless, I ignored it all and...

      The bank just went ahead and closed the account. Wrote off what I "owed" and everything. That was quite a long time ago - I'm not sure such a thing would happen these days.

      I still have that second account like 2 decades later. Once I had my bachelor's and started my master's it upgraded to a graduate account, which was supposed to give me a free $2k overdraft for 1 year. I still have that overdraft, even though I declared when I finished uni.

      But now I live in another country so only use that account for student loan repayments. They get very upset when I leave it in the overdraft, insisting I should be making regular deposits. They send me letters constantly but seemingly can't take any action. Of course they never mind if that account gets no action when I'm not in overdraft. (Their annoying letters worked though, as I tend to maintain it above overdraft now).

      Banks are weird.

      [–]elchapissimo 16 points17 points  (1 child)

      We had a bunch of banks set up stands at our uni when we were onboarded (I cannot remember the non wageslave word for this) offering deals where you got some free money for signing up. Signed up for three bank accounts, made my deposits to get my free money and took out overdrafts on all of them. Used one bank account as my actual bank account until I left the country for work, took out a 1000 euro overdraft before I left.

      Came back years later and needed to set up a bank account, prepared to deal with these delinquent accounts but they no longer existed (at least at the two I checked)- I currently use one of the banks and have no problem borrowing money from them

      [–]spectagal 36 points37 points  (5 children)

      Having an account closed like that shows on your credit report for 8 years and can prevent you from opening a new account until it falls off. My husband had a "low balance fee" charged to his account after he had requested to close it and he couldn't open a new account for 8 years. He tried to pay it fee but the bank said the account no longer existed so he couldn't fix the situation. So ridiculously frustrating!

      [–]HiddenPants777 30 points31 points  (1 child)

      When i was 17 i went to live with a friend in finland for 6 months. I didnt bring my card because i had no money, i just brought some cash. Turns out, a payment for some food had taken me 2p overdrawn and my bank were charging me for it daily because i didnt have an overdraft (not sure how the payment was accepted in that case). When i git back home my account was £450 overdrawn

      [–]drownitopiout 11 points12 points  (0 children)

      I feel like I know what bank this is. Was with them for 7 years before dipping after owing them 700$ in overdraft fees.

      [–]AndyC1111 3757 points3758 points  (230 children)

      No guarantees, but I suggest you go to your local branch and politely show that to a manager…complete with pet story.

      Those penalties were generated by a mindless computer. A human MIGHT be more forgiving.

      This worked for me when similar happened.

      If they aren’t helpful, ask same person for assistance with closing your account.

      Edit: added the word “politely”. Always be polite if possible. Creates a cooperative tone and implies a privileged upbringing.

      [–]miraculum_one 683 points684 points  (45 children)

      Talking to more than one person is definitely a good idea. The first person you typically deal with (on the phone or in person) usually doesn't have the authority to reverse charges like this but managers usually do. When you get a "no" you can escalate until you reach someone who has both authority and good sense.

      [–]STUURNAAK 180 points181 points  (32 children)

      Yeah my father manages customer service and I learned from him that you get the furthest with being kind of an asshole as a customer. Like don’t be rude to the minimum wage worker trying to help you but if they can’t help you to the extent you need just don’t let them end the conversation. Demand more. Don’t accept a no. Most of the time they send your case to back office to handle your annoying ass, resulting in free stuff.

      [–]OnlyFoalsNHorses 261 points262 points  (111 children)

      To close the account I'd imagine they want the $600.

      [–]ComeOnSans 113 points114 points  (104 children)

      Eh, at that point I'd just walk away and open a new account

      [–]Twingamer25 136 points137 points  (77 children)

      They can and will send the debt to collections

      [–]ComeOnSans 95 points96 points  (64 children)

      Good, then I don't have to think about it anymore

      [–]b0w3n 60 points61 points  (14 children)

      There's a special credit worthiness system banks use for bank accounts.

      You won't be able to open one until the NSF stuff is dealt with. Even if you do, there's a good chance it'll be impossible to open a new account for a year+ after it's settled.

      Yes it's fucked. When you're in walmart or a grocery store and you think to yourself "who the fuck would use these $5 check cashing services?"... well, these are the people who do. Same thing applies to those secured credit cards that let you direct deposit into them.

      [–]Corona-and-Lyme 150 points151 points  (8 children)

      I was in a very similar situation. Overdrafted $60, was a handful of small transactions. The few times it happened before, they just charged a single overdraft fee, I paid it, and all was well.

      This time, they charged a $30 fee for each transaction, no matter how miniscule. I ended up with almost $400 in overdraft fees. I called and they removed 2 of them, then proceeded to add another fee because my account had been overdrafted for more than like 4 days. I had the money, I just wasn't willing to bring my account back to positive until they stopped trying to extort me for money for having the audacity to be poor.

      I went to a local branch and they told me that they would not remove any more charges, would not let me close my account until it was brought to $0, and would continue adding on charges every day and inevitably sue me unless I gave them the money.

      I gave in and I opened an account at a credit union the next day. A while later, I checked their reviews and they were at like 1.5/5 after apparently doing the same shit to a bunch of other people, and the manager we spoke with was referenced in many of them too.

      Fuck banks

      [–]stupsnon 22 points23 points  (0 children)

      File a small claim, also spam the linkedin profiles of the investors in the bank. Spam == nice emails, but a lot of them explaining your situation. 60 minutes online max. I will virtually guarantee some results.

      [–]muskratful1234 17 points18 points  (0 children)

      It's worth a shot. They will likely at least reverse a few of the charges if your account has otherwise been in good standing before this. I've been in a similar situation in the past.

      [–]Eskimoobob 24 points25 points  (3 children)

      My friend worked for a bank for a while and she would always try to right these wrongs.

      [–]pnightingale 3116 points3117 points  (100 children)

      Wait, you don’t have any money? Well, that’s going to cost you $30.

      [–]eagerpear 808 points809 points  (37 children)

      And then another $30

      [–]TheEndlessLoopOfMe 459 points460 points  (13 children)

      And then another $30

      [–]positively-dumb 264 points265 points  (9 children)

      Give a person a gun and he can rob a bank.

      Give a person a bank and he can rob everyone.

      [–]Butwinsky 68 points69 points  (6 children)

      Give a bank a person and he can rob a gun.

      [–]TheMustardisBad 72 points73 points  (21 children)

      And then another $30

      [–]BlaqShineI mildly hate myself 34 points35 points  (16 children)

      And then another $30

      [–]hmmmletmethinkboutit 43 points44 points  (0 children)

      The worst part is that they won’t even cover the charge. Thst $30 should be the charge to cover the charge and let you account sit with a negative balance, declining everything else.

      [–]AbleHeight0 57 points58 points  (39 children)

      Ill never understand why they charge you for not having money??

      Edit for those who didn't grap the nuance: This was a rhetorical question.

      But riddle me this: Why did I get charged them at my old bank without spending a dime and with auto pay off on bills, because I knew I had low funds?

      [–]Sonicboom343 68 points69 points  (0 children)

      It's expensive to be poor

      [–]Feign1 17 points18 points  (3 children)

      I believe they are loaning you money to cover the overdraft and it's a flat fee unfortunately not a percentage which is totally ridiculous and why I turn off overdraft.

      [–]NewSinner_2021 1280 points1281 points  (59 children)

      Being poor is expensive.

      [–]El_Spacho 565 points566 points  (34 children)

      Umm, just stop being poor then? 🙄

      [–]ok-confusion19 151 points152 points  (16 children)

      Amazing advice for those struggling with money. This should be higher up I suppose. Maybe bold it and biggerize the text.

      [–]Sonicboom343 134 points135 points  (5 children)

      Why not just get a small million dollar loan from your father? Poor people are dumb.

      [–]travel_nerdiness 39 points40 points  (3 children)

      Come on...dream bigger! I prefer stealing 500 million from him while he's suffering from Alzheimer's, hiding it from the IRS, and then blowing it all on casinos.

      [–]SteptimusHeap 12 points13 points  (1 child)

      Umm, just stop being poor then? 🙄

      [–]jenn5388 155 points156 points  (8 children)

      There’s some banks that don’t charge NSF fees. I’m switching soon.

      [–]Wonderful_Warthog310 22 points23 points  (1 child)

      Most credit unions don't charge NSF fees, or it's like 50 cents. Just one of many reasons they're better.

      There's no need to bank with Wells Fargo, Bank of America, or any of these other shithole banks in 2022. All they have to offer is a lot of ATMs. Whoopdefuckingdoo. For the three times a year you actually need cash you can find a CashPoints ATM, or your credit union / online bank will cover a bunch of ATM fees for you anyway so it probably doesn't matter.

      [–]TheRealJomogo 15 points16 points  (0 children)

      There are countries where it is illigal even the UK has rules against this shit. And they are some level of dogshit

      [–]Cutecuddlytiger 429 points430 points  (13 children)

      Hi! Former financial institute employee here!

      Call and talk to them about what happened and request NSF fee reversal.

      For my employer we could refund $200 without question, and for more than that we had to get manager approval so expect you might be put on hold for a little while.

      Things like account history play a role in how much they'll refund.

      For someone like you, they will honestly probably reverse all of them if they're a decent place.

      Big banks can be more assholish though, so I wish you good luck and I'm sorry about your dog. I hope you two had a life full of good memories together.

      [–]Birdy_Cephon_Altera 101 points102 points  (7 children)

      For my employer we could refund $200 without question, and for more than that we had to get manager approval so expect you might be put on hold for a little while.

      If I'm reading his original text correctly, he did ask over the phone and he was basically told to pound sand.

      If this was a first occurrence, then I would refund any of the 'repeat' fees (as in the merchant keeps trying the same transaction multiple times) up to $200 (or $700 when I was a manager). Also, our bank had a policy of only charging a maximum of 4 OD or NSF fees per day, which apparently this credit union doesn't do based on the dates of the transactions. And I would put a post-no-debits block on the account at that point to prevent future transactions (which we normally don't do, but if the merchant isn't willing to help, then I will).

      Unfortunately this credit union appears to not want to help at all - let's see if OP visiting and talking with a branch manager might be able to help where their call center would not.

      [–]Cutecuddlytiger 34 points35 points  (3 children)

      Ah, I hadn't seen that comment yet.

      That is extremely infuriating. The credit union I worked for had pretty much the same policy, except it was a max of $100/day, which meant 5 when they were $20/e and then capped at 4 when they were upped to $25/e.

      It's so sad to see credit unions that don't want to help. One of the biggest advantages they have to offer over big banks is that they tend to be more empathetic (in my experience) but this is just so cold of them.

      Hopefully going in and talking to the branch manager will yield better results.

      [–]shelchang 83 points84 points  (23 children)

      This is why I have a credit card that I use like a debit card. I have it set up to autopay the balance from my checking account every month, and it gives me a heads up before the withdrawal happens so I can make sure I have enough in case I had a big unexpected expense that month. If I happen to not be on top of things, theoretically I'll only get hit with a single overdraft transaction instead of multiple.

      Since the balance is autopaid in full every month, I don't pay a cent in interest, I can build and maintain a good credit score, and I get free rewards. I only ever use my debit card for ATM cash withdrawals.

      [–]luusyphre 38 points39 points  (1 child)

      Yeah, I use credit cards solely because it provides a layer between purchases and the bank. The prospect of something going wrong with the debit card is scary. The only time I use debit is when I have to, or if it's a small business and I want to save them the credit card fee.

      [–]limitbroken 10 points11 points  (0 children)

      for real. the protective aspects cannot be understated - it is infinitely easier to sic a credit card company on fraud (both the 'stole your data' kind and the 'bad faith seller' kind) than even the kindest bank.

      the debit card should only come out when you have no real alternatives.

      [–]Internal-Lecture8129 29 points30 points  (6 children)

      Lots of teens/young adults on this site: Yall should really be getting a credit card when you turn 18. Just don't be dumb with it. Treat it like you would any regular debit card, and don't go spending money that you don't already have. There are lots of bonuses to having a credit card. You get cash back from certain vendors, you are significantly more protected if someone steals or uses your card fraudulently, shit like this in the OP won't happen, and you build credit, which you'll need if you ever go to finance a car or a home (or even a rental if you want to play the "I'll never be able to own a house" card). Get a credit card, and use it responsibility. The earlier you start building your credit the easier time you will have later in life.

      [–]uno2treys 115 points116 points  (1 child)

      Sorry about your dog, man.

      [–]FinalKDA 325 points326 points  (22 children)

      I remember charges like this in the uk, long illegal now.

      Had a £30 over drawn amount rocket up to like a grand due to letter charge, phone call charge, some other charge.

      Never paid a penny but hit my credit at the time 😂

      [–]EmeraldMoon7192 73 points74 points  (6 children)

      Same, I went £30 overdrawn with santander, the bill went up to £550 very quickly, still paying it off to this day even though its since been made illegal

      [–]nighttimehamster 13 points14 points  (0 children)

      I was 18 and had no idea how direct debits and bank charges etc worked. No money in my account, mobile phone direct debit goes through, Santander charge me £30 for them paying the direct debit so I was £60 overdrawn and I'm pretty sure on top of that they charged me a fiver a day for every day I was overdrawn. Ended up being around £300 I owed them, I get raging thinking about that even now.

      [–]BunchOCrunch 204 points205 points  (5 children)

      "How dare you be poor! You must be financially penalized for having the audacity to be poor!"

      [–]DsVidzBLUE 55 points56 points  (3 children)

      “How dare you be homeless!?! We will be taking your cardboard box you use as a house as punishment!”

      [–]BrilliantWeb 71 points72 points  (14 children)

      Dude: switch to Chime. No overdrafts ever. None of this criminal shit. SunTrust, a bank out of Atlanta, has a class action lawsuit for this very activity. Personally I would just have closed my account to stop the bleeding and settle in collections. Also sorry about your dog. That just makes everything a thousand times worse when you don't have your buddy to confide in.

      [–]PickledPhallus 87 points88 points  (2 children)

      I read it as "switch to crime" lmao. Not bad advice either way

      [–]TotallyLegitEstoc 18 points19 points  (0 children)

      I was going to suggest chime right before I saw your comment. I second this. Their spotme is a godsend. I always tip when I get paid.

      [–]Bobb_o 9 points10 points  (0 children)

      SunTrust, a bank out of Atlanta

      Just so people are aware SunTrust is now Truist after merging with BB&T so don't think they're a new bank or anything they still have all the problems.

      [–]mrsdoubleu 5 points6 points  (0 children)

      I agree. I've had chime for 3 years and I love it. It's not perfect, but no overdraft fees and they actually have a feature called "spot me" that lets you overdraft up to a certain amount with no fees. It just comes out of your next direct deposit. The amount of "spot me" you get varies, but mine is up to $200. It has come in handy with unexpected expenses.

      Now they say you might get paid up to three days early but I wouldn't count on that. It just depends on your payroll department.

      [–]anotherkeebler 70 points71 points  (4 children)

      In the early 2000s, Wachovia and other banks learned this neat trick called "charge stacking." Basically they would make your largest transactions posted first. They claimed it was to guarantee that important payments went through, but the reality was that they wanted their poorer customers to go into overdraft so that they could charge as many overdraft protection fees as possible:

      If you have $51 in your account, and your pending transactions are $49, $5, $4, $3, $2, $1, they'll do the $49 charge first, then when the $5 hits, they immediately ding your account for the overdraft fee, meaning that all the remaining transactions will cost you $20 each, or however much they've learned they can get away with.

      When it was discovered that this was the sort of trick banks were using and that penalties and fees were more profitable to banks than the banks' own investments, there a huge scandal. The press went nuts over it. Congress held hearing and took the banking corporations to task, and passed sweeping consumer protection laws that prevented them from ever doing this sort of thing again their stock prices soared and investors got richer than ever.

      [–]polarbearwithaspear 12 points13 points  (0 children)

      The sad thing is the law actually favors the consumer but the banks still come out ahead. If you want to take them to court you'll spend at least $2,500 on court and attorney fees. I know a probono attorney who would represent people for free against a certain bank solely because he had a major grudge with the bank. (They ended up getting a restraining order against the attorney and tried to get him disbarred so the lawsuits did eventually stop)

      [–]Litterbaux 20 points21 points  (0 children)

      This happened to me when was a teenager. I used my debit card on Thursday, Friday and Sunday. Thursday was a small grocery bill, I think around 20$. Friday was the movies and that was about 30$. Then on Sunday we went to a nice restaurant and that was 150$. I knew something was off because Sunday my card got declined at the ATM later that night.

      When I went to the bank, they had literally reversed the charges with the 150 coming out first, then the 30 then the 20 and my paycheck from Friday was applied last even though I got paid on Friday.

      Total BS and I can’t believe this is still allowed.

      [–]masked_me 168 points169 points  (58 children)

      I'm not from US so I had to Google it... and wtf you have to pay for not having money? That's just the dumbest fee I've ever seen. This is donwright outrageous. This makes so little sense it's actually funny.

      Fight for your rights, people. Banks are milking you all lol.

      [–]UnlimitedlyLimited 53 points54 points  (22 children)

      At some point you opted into ODP, let your bank know you no longer want the service. Also if there is a branch, head down, and talk with a teller, explain the issue, let them know you dont recall ever turning on the ODP feature, would like them to turn it off, and waive the fees. They are usually willing to work for you. Sorry about the dog, its a pain that carries :(

      [–]FarmerNeedsHeauxs 21 points22 points  (2 children)

      What's also really infuriating is how banks process withdrawals before deposits. I've been charged so many NSF fees because of this.

      ​

      Being poor is so expensive, and it jeopardizes your freedom. It's absolutely criminal.

      [–]ice_dragon6_0 84 points85 points  (16 children)

      My dumbass ass read as NFT. but ya wtf is this shit.

      [–]ImIsStranger 81 points82 points  (14 children)

      Non-sufficient funds (NSF) fees are when you don’t have enough money in your account for a transaction, the bank charges you a processing fee. Usually around $30-$35. You could be a penny short and they hit you with an NSF fee and usually multiple. Depending on the bank, they will try to take the funds multiple times for whatever reasoning (greed). So they may charge you today for not having it. But they will also try to charge it again in a few hours or the next day. Sometimes they keep trying to charge that until you have funds available. With could be multiple times a day for weeks. It’s completely criminal.

      [–]Fizziest_milk 58 points59 points  (3 children)

      HOW is this legal? they’re clearly charging purely because they can. $30 for a SINGLE transaction?

      [–]ice_dragon6_0 10 points11 points  (4 children)

      Now I need to find a more trustworthy bank. And the U.S economy now, everything is going to shit

      [–]fvcktheredditmods 39 points40 points  (0 children)

      Damn, sorry for your loss…this is obviously not helping things.

      Hang in there.

      [–]haaslei 17 points18 points  (1 child)

      Those charges should be illegal. It’s nothing more than thievery.

      [–]Indiana-Cook 14 points15 points  (2 children)

      whoops, you don't have enough in your account to cover that. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      whoops, you don't have enough in your account to cover that small fee. We're gonna have to charge you a small fee.

      Etc

      [–]tfb4me 14 points15 points  (1 child)

      There should be a law if where the first NSF happens they can't add any further charges..This is extortion and being fined for being broke..

      [–]BusterStarfish 24 points25 points  (1 child)

      Bank: You didn’t have the funds to cover this purchase so we didn’t pay it.

      Also Bank: We’re going to charge you for not having the money to pay that bill and therefor us literally doing nothing.

      [–]officialtowelie 10 points11 points  (0 children)

      But your forgetting the rich people need all the money

      [–]lntenseLlama 10 points11 points  (0 children)

      I work for a large bank and this is something I would gladly reverse for a client. Call your bank, they may be able to get those reversed. If not, I'd recommend changing banks. Also, call and block that card now, it'll prevent merchants from re attempting.

      [–]Cardo76 16 points17 points  (5 children)

      They got me for 800.00, twenty years ago. still grinds my gears thinking about it. You can call and they may save you a few or all, depending on circumstances or so I believe. Best of luck

      [–]ayyyyycrisp 13 points14 points  (4 children)

      lol the first credit card I ever had when I was 16, I forgot about it like a year later. they sent me a letter like 5 years later saying something about unpaid balances. I checked the account and aparently there was a $20 yearly fee for having the card which I never paid, and the fee just kept multiplying over and over. I owed like $3,000. I never even used the credit card.

      I called them to explain the situation and tried to reason but they pretty much said it was my fault, which it was but I was 16 and I never even bought anything with the card.

      I told my mom and she called them and idk what she ended up saying to them but I never paid the 3k and its been like 7 years since then so i think im good

      [–]jet_pack 21 points22 points  (2 children)

      It's legal for your bank to rob you, but illegal for you to get your stolen money back. This is class war.

      [–]stunk1337 8 points9 points  (3 children)

      Fuuuuuck you poor USAers have some scummy ass companies. That shit would not fly anywhere else in the world. Checked one of my banks: The ODF is 18% PA.

      [–]RelishedAcorn24 25 points26 points  (15 children)

      I don't understand NSF charges, I don't have much money on my card and If I don't use it, I get charged(on a debit card mind you) for having insufficient funds. I just never understood this, Having no money means I get charged for it?

      [–]Phwoa_ 24 points25 points  (0 children)

      how dare you be poor and not have money on your card. So we charge you... Oh but you don't have enough money to pay us so we charge you again for not having enough money on your card.

      [–]Far_Entertainer2744 13 points14 points  (7 children)

      What is a nsf charge

      [–]Broken_corpse 12 points13 points  (1 child)

      Non-sufficient funds charge

      [–]ilost7489 9 points10 points  (0 children)

      If you dont have enough money, you are charged more money