I messed up my payrole at work and ended up not getting half of my check. I have direct deposit and by the time I got the letter from my bank saying that i was in the neg it was too late. I use my debit card for everything and now my account is like -$600. Most of the stuff i buy is cheep like milk bread lunch or what ever so if i can get my bank to return all the $25 fees they charge I will be back in the + and have enough money to get me through till next payday.
Do you know anyway i can get my back to do this? I know thats how they make there money but i'm not going to have gas to get to work any ideas?
Thanks
2007-01-21 15:33:56 · 5 answers · asked by Chase T 1 in Business & Finance ➔ Personal Finance
Call and ask.
2007-01-21 15:53:24 · answer #1 · answered by Anonymous · 0⤊ 0⤋
This is not the way banks earn their money! This is the way they punish you for screwing up the account. The only way I've gotten money back from overdrafts is if you can blame it on somebody other than yourself. How did "you" mess up your payrole? Is there somebody at work who can be blamed? Sometimes your place of employment will refund you the amount if it was a gross error on their part etc. Was there somebody who was supposed to help you fill out your direct deposit slip who screwed up? You can go and talk to your bank about the accounting error. If it was something as simple as filling in the wrong routing # on your direct deposit and If this is your first time having a "screw up" of this nature they may forgive some of the fees. I did get overdraft fees removed once but I had to act very upset over the phone and explain exactly how this was their fault! I had had an identity theft problem so they had to give me a new account and they did not give me overdraft protection on the new account--without telling me! I would of never "skated" that close if I had expected $120 in fees!
2007-01-21 17:19:18 · answer #2 · answered by psycho-cook 4 · 0⤊ 0⤋
Just go to the bank and request a face-to-face meeting with the branch manager. If your relationship with them has been OK, they may just do a waiver for you this once as a "courtesy" move.
I tried this once when I had an inadvertent overdraft on my checking account, and they were very helpful and cancelled my overdraft fees on the spot.
2007-01-21 15:41:56 · answer #3 · answered by InspectorBudget 7 · 0⤊ 0⤋
Go to your local bank and talk to a member of management. Explain your situation and ask them to waive the fees. Someone I know did this once and they waived the fee for her. Of course, it was a one-time thing. She wasn't bouncing checks left and right all the time. If it's a one-time mistake, they will probably do it for you.
2007-01-21 15:38:38 · answer #4 · answered by Anonymous · 0⤊ 0⤋
you can also talk to your work. if it were their fault for not paying you, maybe they could reimburse you the fee.
2007-01-21 15:45:02 · answer #5 · answered by karen22 2 · 0⤊ 0⤋