I'm so done (m)
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I'm so done (m)
| Tue, 05-20-2003 - 9:16am |
I just can't do it anymore, i'm so tired and depressed and I just can't go on, what's the point anyway? I got up this morning to check my bank acct. and was surprised to see two NSF on there. I called the bank to see what was going on and was told by some snotty bimbo that the other fee was for taking out more than $100 (see when you make a check deposit only $100 of your money is available and if you take more than $100 of "your" money out it is considered a NSF, now I didn't know this because had I known that I would be charged $33 for taking my money out of the bank I would not have done it, she tells me well, it came out on the November or December statements, maybe it did but, I didn't see it, or maybe I didn't read my statement good enough. So now of course you know i'm going to have more NSF fees because I didn't expect them to take out that money, i'm just hoping it's not the checks my DH wrote to get our e-check and tags with. I do plan to close out this acct. as soon as the rest of our checks clear this week.
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Don't be done! Some of these banks are jerks. I would call back and speak to Ms. Bimbo's boss, and see if there is something they can do to waive these fees for you. If this is a new policy, I am sure others are having problems as well. If this doesn't work, close your account and let them know why. I belong to a community credit union and I swear up and down by it. The people are way friendlier because it isn't some mega-bank chain. I had fraud committed against my checking account and they went above and beyond the call of duty. I could do a commercial for them, ha ha. Plus there fees are resonable. NSF's are still $30, but they don't have as many crazy rules about having a minimum balance or per check fees, it is free up to 25 checks written a month! Check out credit unions in your area.
In the meantime, have a cup of tea, or whatever calms you and realize that money isn't the most important thing in our lives, our health and loved ones are, and we will all get through this!
Rebecca
It's just a matter of time before things turn around for you. It could be quickly, you never know. If you're doing the right things, the right things will happen.
You're trying to manage your money, and not incur new debt, and this is one of those 'two steps forward, one step back'. Stick with it, you'll come out ahead in the long (or hopefully short) run.
Chin up! Keep your eyes on the prize (being debt free and in control of your finances).
Lee Ann
www.werenotafraid.com
I agree with what the others have said and I agree that I would definately close that out and tell them exactly WHY you are closing out the account, unless people uproar they will do all sorts of things. I remember when they first decided to charge for seeing a teller...the backlash that it had definately changed those policies. I don't know of any bank around here that charges you to see a teller (a few do have *special* accounts that are all electronic and if you open one of those accounts there is a fee but in general it failed around here).
Becky
Becky
CL of 4th, 5th & 6th grade Scoliosis
I know that from time to time I've messed up and didn't have money to cover certain checks - but as far as I'm concerned...it is their customer service department's JOB to explain what happened to me without my feeling belittled, dishonest, or made fun of. Whether the error is your error or the bank's error (or - as is usually the case - your error based on how the sleazy bank credits and debits accounts) - customer service should help you walk away better informed and delighted to has spoken to them.
Danni
All my best,
Danni