does anyone ever get the feeling that banks use dirty tricks such as applying charges when money is paid in?

Question

antoher example is was thinking of is claiming they paid for items when there were sufficent funds just so they can apply a charge

please comment and give me you views

Answer 1

banks RIP YOU OFF
They charge for EVERYTHING
I worked at 2 different banks and both of them charged when they shouldnt, what you have too do is go in and argue about it and say that theyre wrong- usually they are!

I just got a refund of $70 from them

Answer 2

They do employ a few dirty tricks.

One is to hold checks and then cash the biggest one first so that you move into overdraft faster and then you get charged an overdraft fee for each of the smaller checks that are subsequently cashed. There have been a lot of complaints already about this practice, but they continue to do it.

Another dirty one is when you order checks from your bank. The fee for the checks will sometimes vary by 2 cents to 25 cents per box or per transaction. Most people ignore such a small amount, but in the course of a year or two, it amounts to a dollar or two. Take that times a few hundred thousand customers and the banks will have stuffed a few internal holes quite nicely.
That is actually fraudulent, but I don't think anyone is bothered to pursue it because the amount is so small.

Answer 3

HSBC billed me for an international internet purchase they didn't approve. They reversed the charges a few days later, but for a lesser amount- claiming forex movement. Not a significant amount, but UNFAIR! Didn't pay. Gave up the card. And they have included the membership charges in the bill. A month later, they are charging interest on aforementioned amounts. And they have been calling me ( 12 to 15 times as of last count ) threatening consequences.

Answer 4

YOU need to read the disclosures given to you when opening an account. BY LAW they are required to give those to you. In those you will see how banks handle their daily business and the fees how and where they apply. Please dont tell me bank rip people off... Hunny I have been in banking for over 20 years.. and the stories I hear.. hear it all see it all - two sides to every story. If you go in and and work it out with your bank in an adult manner more time then not we will work with you. Giving back NSF fees etc. thats if you are NOT habitual in writing bad checks all the time. Yes some time errors occur but more times then not the error is on the customers side - hence that is where the ADULT calm approach to trying to resolve this with your banker is best. You come in ranting and raving threatening to close your account doesnt do anything but make us laugh at you and wonder why most people think threatening to close their $500.00 account is truly gonna be a problem with us? Not being a smart *** - but its the truth.