I only went $13 under and had the money in the next day but since it was three different charges they hit me with three fees. Any bankers out there with advice for me? I'm just sick about this.
2007-07-23 04:33:22 · 9 answers · asked by KidCuervo 3 in Business & Finance ➔ Personal Finance
Depending on the bank you can get them reversed especially if a few factors exist.. A.. You dont do this on a regular basis or they have not reversed fees for you in 6 months or so.. The amounts are small like cups of coffee..(Been there did that).. also go into the bank that they either know you or and I hate to say this but the customer service people are women (if your a Man) or Men if your a woman...and dont go in looking like a slob.. dress nice... it makes a difference.. You look like crap and they will treat you like that.. and just basically be nice and sound very concerned almost paniced.. (sounds like you wont have a problem with that..lol)... They should reverse at least 2 but if you have not done it before they may wipe them all away..
Good luck... and dont worry.. its just a mistake.. When you walk out and they refund the fees... try not to smile too much...LOL..
2007-07-23 04:51:26 · answer #1 · answered by arthur 2 · 1⤊ 0⤋
Ok, talk to the bank. Be humble and ask that they help you out. You will still have to pay something, more than likely. Do not demand that they be taken off and do not threaten to take your business elsewhere. A lot of banks would be very glad to let an accout go elsewhere if it has not money in it. Not considering the fees they charge you, they would actually be losing money on your account. If they do not remove the fees then just work hard and spend less and pay off those fees. Do not just walk away from the account. Some banks will send accounts like this to a collections agency and you could have your credit dinged.
Finally, the big question is how much control do you have on your budget right now. Do some research on personal finance and budgeting. You probably need to make some changes in your money world to help prevent this from occuring again.
2007-07-23 12:41:24 · answer #2 · answered by A.Mercer 7 · 1⤊ 0⤋
The best thing to do would be to contact your bank to see if there's anything they can do to at least lessen some charges. Chances are if you have a good history with the bank, this has never happened before, then they should be able to give you a courtesy waiver.
Hopefully it should work out. If your bank is Bank of America (my bank, but I only work in the bill pay department for them) they're usually pretty good at helping if it's never happened before.
2007-07-23 11:43:13 · answer #3 · answered by Jen 5 · 1⤊ 0⤋
Call your bank or go in in person and talk to an officer, explain the situation and apologize. Tell them this has put you in a terrible bind, is there anything they can do to help? They will probably take two of the fees off and just charge you for one.
Good Luck.
2007-07-23 11:39:33 · answer #4 · answered by Don 5 · 2⤊ 0⤋
After you get the fee's removed if they will. Quit banking with them. Bank's have a network, Like the bad check one. Only it tracks how many times you've been overdrawn. What happened to me is I got overdrawn twice in 2 months. They put me in this system.After they closed my account. Since they closed it it took 6 weeks for me to get what I did have in there back, Then I couldn't get a checking account for 2 years. Be very Careful with who you bank with. The bank who did this to me is called Union Planters.
2007-07-23 11:45:06 · answer #5 · answered by Patrick 5 · 1⤊ 0⤋
which bank is it? Is it bank of america? I had the same problem and my overdraft fee were$135. Call the bank. they ususally will understand and knock your fees off just so long as if this isnt your 2nd offense in the same year
2007-07-23 11:44:04 · answer #6 · answered by AJ's mommy 3 · 1⤊ 0⤋
You MUST be with Bank of America. The process checks at the end of the day and process them from largest to smallest. That way, if you have bounced checks at the end of the day, instead of it being one large check (ie, one bounced check fee), they hit you with a bunch of little checks (ie lots of bounced check fees).
Gotta love Bank of America. (Other banks do this, too. Not all of them. But more than just Bank of America).
2007-07-23 11:50:06 · answer #7 · answered by sortaclarksville 5 · 1⤊ 0⤋
I usually call my bank and threaten to close my account if they don't take off the charges. It usually works.
2007-07-23 11:42:03 · answer #8 · answered by Sully 2 · 2⤊ 1⤋
My advice, don't write checks for money that you don't have in your account.
Pay up and learn your lesson.
2007-07-23 12:12:52 · answer #9 · answered by Anonymous · 1⤊ 1⤋