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lmfao I hate my bank
9 years ago
Somehow, despite how often I check my available funds, I was able to wrack up $100 worth of overcharge fees????? I am so fucking mad. My bank did this to me once before and I lost nearly $200 from it despite the fact that my available amount was showing me I still had money! This stupid overcharge fee is ridiculous!! If I go even a cent over, I get charged a $30.00 fee from the bank!!
The really fucked up thing??? I always use DEBIT. My card should be rejected if I don't have the funds in my bank account to cover what i'm purchasing! BUT IT'S NEVER BEEN REJECTED!! Last night I went out to buy groceries. When I got home and saw I had $58 in my account and I had spent $60, I thought "Oh great, I'm losing $30 when I get paid /:" BUT FUCKIN NO. I checked my account today and guess what!? I GOT SEVERAL OVERCHARGE FEES FROM TRANSACTIONS ID MADE LIKE A WEEK AGO. And yet my account was still showing I had enough money available!! (and before you say "what if it was still pending?" my "Available" amount should show the UPDATED amount I have even WITH Pending purchases. My "Balance" shows what hasnt been taken out yet)
So now I'm really crushed for rent this month. Kam and I hardly have enough money to put towards rent because he and I recently had to take a trip to Florida to pick up our new roommate. One of our other new roommates is in Oklahoma for some fucking reason??? (he's been gone for like 4 days we had no idea where) Our other roommate has already put forward $120 but isn't sure how much else she can give, and our newest roommate has $300 to help. I'm hardly going to have $300 (IF EVEN THAT) in my account, and I have a $40 phone bill due so subtract that. Kam has wanted to get his car insured this month, but he might just have to wait another month and be careful driving in the meantime. I can't even open commissions to make money because I already have too much art I need to finish, and I don't want to have to beg for donations again like I had to in May... I really don't want to. I'm at a loss for what to do now though.
Edit: Putting my paypal for anyone who wants to donate. I really have no choice with this. I'm so upset, I hate asking for help but there are 4 other people living with me, and I have 4 cats, I can't afford to give up shelter for pride.
If you'd like to donate my paypal is Silveranemoslupa[at]gmail.com Please send as "Friends and Family"
Here is a screenshot of my account as proof: https://i.gyazo.com/672259a2e7b0d9e.....bf8c823489.png
I keep telling myself every month that next month will be better. I have yet to be right, and it's getting harder and harder. I'm trying to adapt and figure out solutions but there's only so much a person can do in such little time. Rent is due by the 3rd. Today is the 1st. I need help. And I hope, and pray, that this is the last time I ever have to ask for help this way.
The really fucked up thing??? I always use DEBIT. My card should be rejected if I don't have the funds in my bank account to cover what i'm purchasing! BUT IT'S NEVER BEEN REJECTED!! Last night I went out to buy groceries. When I got home and saw I had $58 in my account and I had spent $60, I thought "Oh great, I'm losing $30 when I get paid /:" BUT FUCKIN NO. I checked my account today and guess what!? I GOT SEVERAL OVERCHARGE FEES FROM TRANSACTIONS ID MADE LIKE A WEEK AGO. And yet my account was still showing I had enough money available!! (and before you say "what if it was still pending?" my "Available" amount should show the UPDATED amount I have even WITH Pending purchases. My "Balance" shows what hasnt been taken out yet)
So now I'm really crushed for rent this month. Kam and I hardly have enough money to put towards rent because he and I recently had to take a trip to Florida to pick up our new roommate. One of our other new roommates is in Oklahoma for some fucking reason??? (he's been gone for like 4 days we had no idea where) Our other roommate has already put forward $120 but isn't sure how much else she can give, and our newest roommate has $300 to help. I'm hardly going to have $300 (IF EVEN THAT) in my account, and I have a $40 phone bill due so subtract that. Kam has wanted to get his car insured this month, but he might just have to wait another month and be careful driving in the meantime. I can't even open commissions to make money because I already have too much art I need to finish, and I don't want to have to beg for donations again like I had to in May... I really don't want to. I'm at a loss for what to do now though.
Edit: Putting my paypal for anyone who wants to donate. I really have no choice with this. I'm so upset, I hate asking for help but there are 4 other people living with me, and I have 4 cats, I can't afford to give up shelter for pride.
If you'd like to donate my paypal is Silveranemoslupa[at]gmail.com Please send as "Friends and Family"
Here is a screenshot of my account as proof: https://i.gyazo.com/672259a2e7b0d9e.....bf8c823489.png
I keep telling myself every month that next month will be better. I have yet to be right, and it's getting harder and harder. I'm trying to adapt and figure out solutions but there's only so much a person can do in such little time. Rent is due by the 3rd. Today is the 1st. I need help. And I hope, and pray, that this is the last time I ever have to ask for help this way.
I hate banks that do that. I left a credit union because of that.
My bank is a credit union too `H` Once I get paid and go down to take out my money for rent, I'm going to be tearing into them hard about this BS. They took nearly $200 from me last time and when I tried getting help I was basically shoved off by the person I was talking to. He said "try calling them" (bc I was doing online assistance) But I have severe phone anxiety so I wound up just deciding to keep a closer eye on my account, and if it happened again I was going to actually cause a fucking scene IN their building. SO. This is gonna be handled in person. I've been with them for years and its only this year that it's become an issue. I'm pissed tf off about it.
They kept giving me the same horse manure excuses, so I said 'I'm done, I refuse to use such a crooked establishment' and left.
If you live in the south, try United Community Bank. They're pretty awesome.