Rep Power: 910

i owed ebay $30 for seller fees. well my bank account had only $14.82 in it, which is fine cuz i use my cash for gas and fast food and those are my only purchases. well these ******* on ebay forced me to pay for an item that they said i didnt need to pay (long story) so i let them do that, which should bring it down to $2.83...

well ebay decided to automatically withdraw $15.15 of their payments from my account which i dont remember ever allowing...but heres the ****** up part.

ebay withdrew their money first...first overdraft, then the paypal payment came threw, second overdraft, then wellsfargo charges me $22 for each overdraft, yet decides not to notify me!!!

banks are so ****** up.

 
Rep Power: 1036

how does ebay withdrawl money automatically?

I had a similar thing happen to me... i got an overdraft fee (when I even had enough in the bank, apearantly theres a minimum balance...) and I got warnings though ebay, paypal...needless to say i was pissed

 
Rep Power: 902

Overdraft isn't soemthing I have to worry about.

 
Rep Power: 910

i just checked. im not set up for automatic payments. so why was i charged. and i was charged yet the amount i was charged wasnt even deducted from what i still owe! so wtf did they charge me for?!

and the whole idea of an overdraft is gay. if your at your limit for a credit card and you go to use it, youre denied. if you dont have any money in your checking account and you go to use it you should be denied. its ******* stupid.

 
Rep Power: 895

I had the same thing happen to me back with that CarSponsorships.com. It was like two weeks after I had applied for a sponsorship, and at first the $80 fee showed up as processing for a long time, but then it went away (I was looking on webbanking) and it was never deducted from my account. So, I assumed that I didn't get the sponsorship and they were mailing the letter to me to tell me. Well, great, I had $80 extra bucks now. Well I had $100 total in the bank, used $15 on gas, sweet I still have a good 85 left! Since the charge disappeared and it was atleast two weeks after I had applied, I figured it was spending money. So I went and made a bunch of small transactions, $15 for a couple movies, $20 for a game, etc until I should've only had $10 left because I was getting paid later that week and no biggie I had cash in my pocket still for gas and food. Well, two days go by and all the sudden the $80 charge shows up in my webbanking statement as if it cleared 5 days ago (even though I check everyday), with $125 in overdraft fees ($25 x 5 times) it was ******* retarded, I wrote a nasty letter to the webbanking service stating that they shouldn't have it if it's that unreliable and gives wrong information. Needless to say, that was the most expensive $80 I ever spent.

 
Rep Power: 1036

Its an easy way for banks to make money.. you would be surprised to see how many people overdraft a day, and how much money they actually make.. its stupid I agree

 
Rep Power: 761

I have 'overdraft protection'. It's like an extra $250 in my bank account at all times.

 
Rep Power: 914

Well, thats not necissarily true (as far as credit cards are concirned anyway). All credit cards will alow the acct to go overlimit somewhere around 10% of the total limit as long as the customer understands there will be an overlimit fee. Now you can call and ask for the credit card to not do that... but no one ever does till it's too late. I get so many calls asking "why is there and overlimit fee on my acct" you wouldnt believe.

 
Rep Power: 739

Wells Fargo is f*d up. We had them for our mortage and have just this week dumped them for a local bank. I won't even go into details but for someone that Had perfect credit, never a late pay, got it stuck right in the rear. Ever have someone keep calling for a payment that you mailed in 1 week early, they said we didn't. Then after repeated calls to us harassing the cra p out of us 2 weeks later it was cashed....hmmmmmm, so we call to find out wtf, and they said "Oh, it was found in a desk drawer." Now here is the kicker, they have done this SIX TIMES!!!!!! Each had a report to the credit beaureu with 30 days late!!!!!!! Now I am pissed, as I should. My credit is f'd up and for what. Some idiot! Well I now am also paying a lawyer to fix this and if you here of someone going "postal" at Wells Fargo, you will know who it is.

 
Rep Power: 0

You probably don't need this since you have a lawyer but if you go to one of the three main credit b. you can file a complaint completely free and if the company you filed a complaint against doesn't respond in 30 day's it's taken off your credit no matter who's at fault. I like to use http://www.transunion.com personally.

 
Rep Power: 739

Thanks, have been there and done that. Me going after them with a lawyer now is just a matter of pride. I Am also doing this so it doesn't happen to others. If it has happened to me, I'm sure there are others.

 
Rep Power: 0

I'll tell you what, after I was a loan officer for TCF Bank I will never go there. I quite because I saw stuff I just couldn't agree with.

 
Rep Power: 910

what i hate most about money in this country is that once your credit is fuct its fuct..even if a bank makes a mistake and they correct it, the credit is still bad.

 
Rep Power: 761

My credit is awesome... screw you hippies. I'm gonna go apply for a gold card.