Results 1 to 20 of 20

Thread: I Fucking Hate The Bank!

  1. #1
    Gypsy74
    Guest

    Default I Fucking Hate The Bank!

    UGH. My account with wamu was scheduled to be closed April 21st. I had to open another account with them, so i did so a week ago and added money to my old account so it wouldn't be in the negative. 4 days ago, ZIPCAR, a car sharing service decided to randomly charge my account because it didn't go through before when it was in the negative. I was completely unaware of this because I wasn't checking my account online anymore because I assumed it was about to be deleted and i didn't think there would be anything else charged to it.

    Zipcar charged 25 dollars to my account, but in 4 different charges of different increments. Because of this, I got 4 overdraft fees of 34 dollars each, making my account 161 dollars in the negative. So I get a call from the bank this morning telling me that I owe them 161 dollars and if I don't pay it I won't be able to open a bank account in the US and my other account with wamu will be closed blah blah blah. My old account with the negative charge was opened in florida. my new account was opened in oregon. My new account has a lot saved up in it so far for only being a week or so old, can the florida account go into my oregon account and take money out of there without my consent?

    Ugh. I don't want to pay fucking 136 dollars in overdraft charges, that's fucking ridiculous!! I just got off the phone with the lady at the bank and tried to be super sweet and polite the whole time, but unfortunately due to her repeatedly telling me "it's not the bank's mistake" the conversation ended with me yelling fuck you fuck you fuck you fuck you and slamming the phone down.. so that's not so good.

    She said I have 40 days to pay the fee or else it goes to some record and they close my account. I don't care if they close the old account- it was supposed to be closed ANYWAYS!

    So... what should I do? I do NOT want to pay fucking 136 dollars. That's groceries for 2 weeks, that's a third of my rent money, that's 3 hours at the club. Three hours at the club is NOT going to some stupid capitalistic asshole money hungry fucking bank!

    What to do??

    a. pay the fees
    b. don't pay the fees, hope for the best
    c. don't pay the fees, close all my accounts and do everything in cash. (not really an option, i need a bank acct.)

    I fucking hate banks. I hate the US. I'm moving anyways in a couple months out of the country so it doesn' tmatter. I'm going to be a fucking nomad. fuck capitalism UGHGHGGHAKDLGJal

  2. #2
    God/dess VenusGoddess's Avatar
    Joined
    Oct 2003
    Location
    Home
    Posts
    13,598
    Thanks
    0
    Thanked 28 Times in 23 Posts

    Default Re: I Fucking Hate The Bank!

    How about calling ZipCar and complaining to them? Were those charges supposed to be charged to begin with? Or was it only supposed to be one charge, but the charged in increments until they reached the total?

    If it was a legitimate charge that you had forgotten about and didn't prepare for, then it's your fault and you owe the money to the bank. If it was not a legitimate charge, you can dispute it with the bank and go after ZipCar.

  3. #3
    Banned cherry_sin's Avatar
    Joined
    May 2006
    Posts
    1,708
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I Fucking Hate The Bank!

    Yes, they can take money from your other account if it is the same bank.

    If they close your account - in the US there is a reporting system called chex system. Pretty much no bank will let you have an account, or if they do, you will have to pay for it through member fees and no overdrafts and whatnot. If you decide to pay the money later on it is a bitch to get taken off.

    If you don't wanna go the bank account way just get a greendot. Then you still can use your debit card.

  4. #4
    AlexxaHex
    Guest

    Default Re: I Fucking Hate The Bank!

    I hate banks too. HAAAATE!!!

    I deposited a money order a few weeks ago and it took 5 days to clear, consequently causing me to overdraw TWICE. They charged me $36 each overdraw. A FUCKING MONEY ORDER!

  5. #5
    Featured Member AmazingKat's Avatar
    Joined
    Jan 2008
    Posts
    855
    Thanks
    0
    Thanked 3 Times in 3 Posts

    Default Re: I Fucking Hate The Bank!

    Wamu did the exact same thing to my bf about 7 years ago. Only a year ago was he able to get another checking account with Citi. He had withdrawn all of his money and asked for his account to be closed. When he went to open another one they denied him and he found out Wamu had been charging him service fees on his $0 balance account for a year and never closed it.

    If you live anywhere near a ritzy area try the branch of your bank there. Tellers and managers are more used to bending over backwards to help customers because they usually are loaded. Even if you don't appear wealthy through your accounts they always assume you are some rich person's kid or connected somehow since you are in the area. They are also just used to kissing ass and bending rules so its almost automatic.

  6. #6
    Banned
    Joined
    Feb 2007
    Location
    ATX
    Posts
    3,502
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I Fucking Hate The Bank!

    Go into the bank in person and ask to speak with someone. Sometimes you can do like a plea bargain where you will pay some of the fees if they take some off. They have the authority to do that.

  7. #7
    Gypsy74
    Guest

    Default Re: I Fucking Hate The Bank!

    I am going to go to the rich area (pearl district) bank and ask them to take them off, but I don't think they can. I already called the florida branch and the oregon branch. THe florida branch manager was a total bitch, and the oregon branch manager was really nice but said that he couldn't do anything because it was a florida account.

    so I'm just going to go down there in person and ask again. It fucking sucks. I don't want to pay fucking 130 dollars of fees. It's fucking ridiculous.

    ugh. and i'm pmsing and my boyfriend is being an idiot and it's cold and gross outside.

  8. #8
    AudreyLeigh
    Guest

    Default Re: I Fucking Hate The Bank!

    Im always getting OD fees taken off. I dont think Ive ever paid one that was charged to me. They CAN taken them off. I dont understand why they wont. Yesterday I went to the bank because I used the transfer service on my savings account too many times and had 3 $10 fees for that. They just took em off and told me to be careful.

    Maybe you should give up on WaMu - I have Wells Fargo and theyre super cool. My husband screwed up and racked up almost $200 in OD fees - they took all except one off...

  9. #9
    AlexxaHex
    Guest

    Default Re: I Fucking Hate The Bank!

    Wamu sucks big fat camel sausage. This past Christmas, I had a $3000 check that I deposited IN PERSON and had the clerk verify it over the phone so that the funds would be available. And they were...for one day. The next day they froze all my funds so that I couldn't get to any of the money. I called customer service and their managers and everyone I could talk to so that they could take the hold off of it. I needed to move across the country in a matter of days and it was X-mas. I called crying, saying that it was all the money I had and my baby needed formula. They still would not release the funds even though that clerk had verified the check was legit.
    I hope everyone who works at Wamu dies of anal cancer. They are really awful people.
    The reason they hold up money is so that they can collect interest on it.

  10. #10
    Gypsy74
    Guest

    Default Re: I Fucking Hate The Bank!

    banks are fucking evil. I can't wait until everything all crashes. seriously. in 4 years, no more banks.

    anyways..... i cried to my bf about it and he's going to find some way to pay for it using his "connections". He owes me a little bit, well actually a lot. So I just hope that I really do have 40 days to pay it and she didn't automatically send it to CHEX because I said fuck you instead of thank you. ugh. she deserved it though...she was a robot.

  11. #11
    Banned
    Joined
    Feb 2007
    Location
    ATX
    Posts
    3,502
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I Fucking Hate The Bank!

    Wells Fargo sucks too, don't go there either. While they may remove the OD fees easier than WaMu, they find more ways to make them like rearranging your charges.

  12. #12
    God/dess
    Joined
    Jun 2006
    Location
    North side of no-where
    Posts
    2,279
    Thanks
    0
    Thanked 3 Times in 2 Posts

    Default Re: I Fucking Hate The Bank!

    Where are the Mojo Nixon you tube videos when you need them... he has a song about hating banks....

    Dam...


    Empress wonders why I don't let many places direct debit here...
    One more cup of coffee for the road,
    One more cup of coffee 'fore I go
    To the valley below....

    Slowly moseying my way to the exit.
    A Blogging?

  13. #13
    AudreyLeigh
    Guest

    Default Re: I Fucking Hate The Bank!

    Quote Originally Posted by austinatalie View Post
    Wells Fargo sucks too, don't go there either. While they may remove the OD fees easier than WaMu, they find more ways to make them like rearranging your charges.
    true. other banks do this too but yea, thats annoying when you dont have much in your account.

  14. #14
    Featured Member DJ Machismo's Avatar
    Joined
    Oct 2006
    Location
    Centerville, OH
    Posts
    953
    Thanks
    0
    Thanked 1 Time in 1 Post

    Default Re: I Fucking Hate The Bank!

    So wait, you mentioned that the bank account wasn't scheduled to be closed yet, then ZipCar charges you for 4 payments (a bit odd) because you were in the negative last time they tried. Also that you didn't check the bank because it was going to be deleted, as in still active at the time.

    Then you get overdraft fees.

    I fail to see where any of that is the bank's fault, from what I gather based off of that.


    I agree that they should be able to help you out more with the situation, but by no means is it the banks fault in that situation.

    If that is how the situation went, it sounds like it was your fault for not monitoring your finances more efficiently, don't go blaming someone else for your mistakes. Please clarify if that is not how it happened, since your post leads to the above conclusion.
    Guy #1: I'd totally hit that.
    Guy #2: Dude, I'd hit that so hard whoever could pull me out would become the King of England.

  15. #15
    God/dess hockeybobby's Avatar
    Joined
    Nov 2007
    Location
    Canada
    Posts
    4,969
    Thanks
    1,811
    Thanked 597 Times in 382 Posts
    Blog Entries
    1

    Default Re: I Fucking Hate The Bank!

    ^^^I'm afraid I must agree with this. It is a bitter pill to swallow, especially with the 4 different overdraft fees. It's best though to pay it out and stay in good standing with the bank. It's an oversight you've made, and will help you in the long run to be more vigilant with your account balances and finances in general.

    Don't feel too bad, most people have had something like this happen to them. We get over it and move on much the wiser.

  16. #16
    AudreyLeigh
    Guest

    Default Re: I Fucking Hate The Bank!

    If they wont help at least pay it. Not only will you go on ChexSystems but it will go on your credit as a collection. Lots of banks use NCO Financial for collections and theyre the WORST.

  17. #17
    God/dess shasta's Avatar
    Joined
    Sep 2005
    Posts
    2,175
    Thanks
    778
    Thanked 658 Times in 317 Posts
    My Mood
    Breezy

    Default Re: I Fucking Hate The Bank!

    Another vote for Wells Fargo.

    Call someone from phone banking. If that person won't take the charges off hang up and call again. Each time you will get someone new. Ask politely to speak to the manager if the person claims they are unable to help. Be persistent!

  18. #18
    God/dess anomar's Avatar
    Joined
    Jun 2005
    Posts
    2,373
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I Fucking Hate The Bank!

    I use advantis . They have a downtown branch and a $2 overdraft fee. Also, if they offer online banking it's worth it to check it every day for that kind of stuff. Zipcar can try repeatedly to charge your account. I know that accounting for my company will try to cash checks repeatedly until the get their money.

  19. #19
    Featured Member
    Joined
    Jan 2007
    Posts
    1,242
    Thanks
    1
    Thanked 4 Times in 4 Posts

    Default Re: I Fucking Hate The Bank!

    I agree with trying again with the bank and with zipcar. You may want to hedge your bets and open an account at a different bank, in case it goes to ChexSystems.

    You may be leaving the country, but if you come back, you'll want a bank account somewhere.

  20. #20
    Banned
    Joined
    Jan 2002
    Location
    Cranberry Country
    Posts
    1,202
    Thanks
    0
    Thanked 0 Times in 0 Posts

    Default Re: I Fucking Hate The Bank!

    Try ZipCar's corporate HQ (cambridge, MA), they may be able to cover the charges....if you get no where, you can PM if you like as my former Co-worker just took a position there as the Training Director so he should have some pull, et al.

Similar Threads

  1. I hate his fucking city
    By Pure in forum Life Support
    Replies: 22
    Last Post: 08-13-2010, 10:26 PM
  2. I fucking hate money.
    By keira0304 in forum Dollar Den
    Replies: 64
    Last Post: 09-03-2008, 08:02 AM
  3. I fucking HATE
    By Kaylinn in forum The Lounge
    Replies: 3
    Last Post: 02-03-2008, 08:07 PM
  4. I fucking hate this more then anything!
    By Yas in forum Private Party Dancing
    Replies: 13
    Last Post: 05-27-2007, 08:11 AM
  5. I HATE my Bank! 5/3 rant!!
    By cinammonkisses in forum Dollar Den
    Replies: 21
    Last Post: 03-11-2007, 11:55 AM

Bookmarks

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts
  •