This is why I hate bank of america

This is why I hate bank of america#267013

By rueful - July 15th, 2009, 3:10 pm

- July 15th, 2009, 3:10 pm #267013

http://news.bbc.co.uk/2/hi/americas/8152278.stm

US smoker chokes on cost of habit

Josh Muszynski: 'I thought someone had bought Europe'

A man in the United States popped out to his local petrol station to buy a pack of cigarettes - only to find his card charged $23,148,855,308,184,500.

JLFJR wrote: We just need to get the environmentalist wackos out of the way

#267016

By jcmanson - July 15th, 2009, 3:30 pm

- July 15th, 2009, 3:30 pm #267016

Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.

El Scorcho wrote:post at your own risk.

#267019

By HenryGale - July 15th, 2009, 3:32 pm

- July 15th, 2009, 3:32 pm #267019

What is this dude's limit on his credit card????

You are up a river of excrement in a native american water vessel without any means of propulsion

**R.I.P JT 4-28-09**

#267026

By mrmacphisto - July 15th, 2009, 4:39 pm

- July 15th, 2009, 4:39 pm #267026

jcmanson wrote:Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.

The bank would have had to authorize the charge.

#267027

By rueful - July 15th, 2009, 4:48 pm

- July 15th, 2009, 4:48 pm #267027

jcmanson wrote:Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.

Because of their system. Overdraft fees are insane there. Last week I had plenty of money in my account, so I got a redbox dvd. The next day it processed gas fills up from chicago to RI that I had done several days before, and left me with .50 in my account. Then it processed my redbox charge before I could go put money in, and I ended up like -$80 because it went over, then it tried doing the keep the change transfer and charged me 35, then an overdraft fee of 35 and some sort of processing fee for 15. I hate them because they should have fallen apart last fall and instead are barely hanging on by charging fees out my anus.

JLFJR wrote: We just need to get the environmentalist wackos out of the way

#267029

By jcmanson - July 15th, 2009, 4:52 pm

- July 15th, 2009, 4:52 pm #267029

mrmacphisto wrote:
jcmanson wrote:Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.
The bank would have had to authorize the charge.

Not necessarily. They could have, but generally retail stores send a "preauthorization" to the bank for guarantee of funds. This is 99.9% of the time done electronically. The store could have mistakenly sent the preauth for that absurd amount.

El Scorcho wrote:post at your own risk.

#267030

By flamesbball84 - July 15th, 2009, 4:58 pm

- July 15th, 2009, 4:58 pm #267030

rueful wrote:
jcmanson wrote:Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.
Because of their system. Overdraft fees are insane there. Last week I had plenty of money in my account, so I got a redbox dvd. The next day it processed gas fills up from chicago to RI that I had done several days before, and left me with .50 in my account. Then it processed my redbox charge before I could go put money in, and I ended up like -$80 because it went over, then it tried doing the keep the change transfer and charged me 35, then an overdraft fee of 35 and some sort of processing fee for 15. I hate them because they should have fallen apart last fall and instead are barely hanging on by charging fees out my anus.

May not necessarily be a bank of america problem. I know iTunes always has their billing screwed up with my bb&t card. i bought an iphone app on there two weeks ago for .99, i bought another one for 6.99 8 days ago. they were both didn't show up on my card until two days ago, and they put the two charges together to make it 7.98. they pretty much bill everything several days after it is actually purchased, it seems, and when they lump two together like that it really makes things complicated because then you are trying to figure out if it was a fraudulent charge or not since you didn't actually buy anything from iTunes for 7.98.

#267031

By LUconn - July 15th, 2009, 4:59 pm

- July 15th, 2009, 4:59 pm #267031

Overdraft fees make me so mad because they're just sky high. I'm at bb&t and it's $35 per transaction. I had transferred some money around and there was a delay on one of the transfers so 2 charges that coincidentally happened on that day just lost me $70. Clark Howard explained that overdrafting your account actually truely only costs a bank a few cents per overdraft. And they go ahead and take $35 from you. Why not just take $200 from me? What am I gonna do?

*please disregard this post if dated before 2017 and accept my apologies*

#267038

By ATrain - July 15th, 2009, 6:32 pm

- July 15th, 2009, 6:32 pm #267038

This is why I like the Bank of the James...they gave me a credit line (for no additional fee) in case I overdraft my checking account.

4:28:2009-RIP Jeff Taylor

PAmedic wrote:you're absolutely right

#267041

By Liberty4Life - July 15th, 2009, 7:31 pm

- July 15th, 2009, 7:31 pm #267041

I think the best route is to go through a local bank. That's what I do, and the people are (gasp!) friendly. Whenever I've had an issue, they're quick to resolve it. You don't get that kind of customer service at the Big Banks.

#267046

By jcmanson - July 15th, 2009, 8:43 pm

- July 15th, 2009, 8:43 pm #267046

Alot of banks will refund your overdraft charges if you've been a customer for any amount of time especially if you very rarely overdraft.

El Scorcho wrote:post at your own risk.

#267051

By mrmacphisto - July 15th, 2009, 9:13 pm

- July 15th, 2009, 9:13 pm #267051

jcmanson wrote:
mrmacphisto wrote:
jcmanson wrote:Why would that cause you to hate B of A? A minor inconvenience, and it may not have been the bank's fault.
The bank would have had to authorize the charge.
Not necessarily. They could have, but generally retail stores send a "preauthorization" to the bank for guarantee of funds. This is 99.9% of the time done electronically. The store could have mistakenly sent the preauth for that absurd amount.

And the bank would have had to approve it, otherwise the absurd charge would not have gone through.