Also, Jeg, did the Sears tire thing affect your overdraft? If so, you are kind of SOL there. All they will say is “the money was not in the account at the time of the other purchases so its considered an overdraft regardless if the money should be there or not”.
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No it didnt effect the overdraft at all. Thats why im so confused. I had the money in the bank to cover it. It deducted from my account and left me $250+, yet they charged me for an overdraft.
No it didnt effect the overdraft at all. Thats why im so confused. I had the money in the bank to cover it. It deducted from my account and left me $250+, yet they charged me for an overdraft.
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Good luck, my gf showed the paperwork to them and it never should have been deducted yet they wouldn’t get rid of the overdraft fees or refund her money, I told her, just take the $173 hit and go to a new bank that has better customer service (and that was hard for her to do as shes a poor college student lol).
well there lies my problem. I dont want to give out all the exact numbers…but they owe me somewhere around $400. To some people that may not seem like much, but to someone who doesnt make alot of money, it is. I only bring home $280ish a week. So $400 is quite a bit. I work seasonal and today was my last day untill I get called back in Feb. So yeah…I cant afford to take a $400 hit. Also, I had been working on re establishing my credit. After my surgery I could not pay any bills because I did not have enough money saved up and I took a huge hit and went into debt. I have finally started to get my credit back in order (raised it 140 points) and all these overdrafts will negativly effect it (to my knowlege) which pisses me off. Also, I have bills due that I have to mail out in the morning, and now I dont have the money to cover them. (car insurance, credit card bill etc).
Yea i had the same situation happen to me at M&T in Orchard Park and I complained and they took some of the overdraft chargers off, and then they did it to me again and i complained and they said it wasnt their problem and that i made the mistake and that they “helped” me out once and thats how every bank is, so i closed the account and took my money to Five Star bank in OP, no problems with them, ever. Melissa @ 5 star bank>*
wow. a guy i work with has had something similar happen to him a couple times but the bank manager usually takes care of it for him. I would try to talk to a manger at another branch or go through with your claim.
i have had an account at MnT for over 5 years. No problems for me. but then again i have worked part time at MnT for over 5 years.
wow. a guy i work with has had something similar happen to him a couple times but the bank manager usually takes care of it for him. I would try to talk to a manger at another branch or go through with your claim.
i have had an account at MnT for over 5 years. No problems for me. but then again i have worked part time at MnT for over 5 years.
You might want to consider reading the agreement(and any other related paperwork) you received when you first opened your account. If you don’t have it, the bank will be more than willing to supply you with another copy. It will cover most of your issues in this case… and it probably is your fault despite what you think.
Move to a bank where you can get a line of credit.
Don’t go to Akron Bank.
Why bother putting money in the bank at all? Honestly, when I was rocking the small checks I wish I would have just carried it all on me, then there is no overdraft.
I’m betting somewhere along the line it is your fault. I went through the same shit @ HSBC, but even though it was my fault they still refunded my overdrafts.
Call the customer service line and REFUSE to hang up until you are satisfied. Whenever you run into a brick wall, Escalate, “Can I speak to your supervisor?”, over and over. Chances are they are not allowed to hang up on you. Remain polite AT ALL TIMES, they can terminate if you become hostile/abusive/loud.
If this gets you nowhere, try and Executive Email Carpet Bomb, Normally www.consumerist.com has at least some contact info, but i didnt find any for M&T. This is a good guide to writing an EECB.
You might want to considering reading the agreement(and any other related paperwork) you received when you first opened your account. If you don’t have it, the bank will be more than willing to supply you with another copy. It will cover most of your issues in this case… and it probably is your fault despite what you think.
Move to a bank where you can get a line of credit.
Don’t go to Akron Bank.
Why bother putting money in the bank at all? Honestly, when I was rocking the small checks I wish I would have just carried it all on me, then there is no overdraft.
I’m betting somewhere along the line it is your fault. I went through the same shit @ HSBC, but even though it was my fault they still refunded my overdrafts.
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hsbc loves giveing the fee waivers.
look in your rules of deposits like one said on here your most likly SOL
M&T did the same to me. they refunded half the over drafts then said the rest is on me. i paid them off then changed to citizens and i’m happy now. i also keep more money in my local bank account to prevent it.
Call the customer service line and REFUSE to hang up until you are satisfied. Whenever you run into a brick wall, Escalate, “Can I speak to your supervisor?”, over and over. Chances are they are not allowed to hang up on you. Remain polite AT ALL TIMES, they can terminate if you become hostile/abusive/loud.
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WILL NOT get you very far. at least not @ M&T. fee income > jeg’s totally free checking account with mean $500 balance. its the truth.
If this gets you nowhere, try and Executive Email Carpet Bomb,
now you’re getting somewhere.
Write a letter, send a few copies to the executives. “Executive” complaints will actually get you some kind of result.
Robert G Wilmers, Mark J. Czarnecki, & Emerson L. Brumback @ One M & T Plaza Buffalo, New York 14203
Anthony Fricano & Kent Taylor @ 1100 wehrle dr, williamsville ny 14221
although, if (and I suspect it is) it is your fault, and not bank error, this will not get you the result you expect.
Go above your branch’s head.
lol, its funny because 80% of retail branch staff doesn’t know shit.
You might want to considering reading the agreement(and any other related paperwork) you received when you first opened your account. If you don’t have it, the bank will be more than willing to supply you with another copy. It will cover most of your issues in this case… and it probably is your fault despite what you think.
Move to a bank where you can get a line of credit.
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+1
I deal with this all the time. The software I write is used at over 600 credit unions nationwide and a whole bunch of them locally in WNY. It’s so much more complicated than “my balance at the ATM showed $XYZ” or “according to my checkbook ledger I have $ZYX”.
The one that really concerns me is your purchase and return at Sears. Purchases on debit cards are handled as two separate transactions, an auth and a post. The auth basically says, “Does he have $200, and if so, put $200 on hold”. The auth does not actually charge your account however. This allows the processing house (who ever handles the debit cards for your bank) to cancel the transaction very easily. The 2nd part of the transaction is the post, and that takes the hold that was placed earlier and changes it to a charge.
If Sears reverses the transaction before the auth gets changed to a post it’s immediate. However, once the transaction becomes a post there is no canceling it. They then have to send in a reversal which gets matched and the money credited back to your account. This is not instant.
So chances are you did overdraft your account. The best solution is to go somewhere that will allow you to setup an overdraft loan. Basically they give you an open ended loan for say $2000 that you can draw against at any time. The interest rates tend to be very high because the only time you’re supposed to take money from this loan is when you screw up and overdraft your checking. You then quickly pay the amount you overdrafted back on the loan plus the interest for how every many days you were negative, and all is well. It’s normally WAY cheaper than the NSF fee.
they hear from my Lawyer. Banking is a very highly regulated buisness. They can’t treat people like this.
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Last time I heard, lawyers don’t work for free.
Call customer service at a corporate level and I’m sure they wil handle it. I’m sure your lawyer is going to ask you if you did that too.