I ran into the process the largest debit thing before, but fortunately had not had an overdraft for a while, so they wrote the charges off. It didn't hurt that one of the charges was definitely due to their failure to process a credit. The dollar eighty at a coffeehouse, plus five dollars for gas, I guess they decided to be nice, I dunno. My argument at the time was that those should go through then I would have have one overdraft (the largest item) not three. What they said was that the biggest debit is more likely to be an important bill (rent, electricity) and that is what they do it that way, and sorry, I'd have to eat the two charges. They never appeared though.
This was Bank of America, by the way. They seem to have a pretty firm policy -- they will remove an overdraft charge *once* then after that it has to be a bank error. They do make them though. I have had deposits go through as withdrawals and all sort of funky stuff. Try talking to the branch manager where you opened the account. She has to be the one to take the charge off. Dana On 10/6/05, Timothy Heald <[EMAIL PROTECTED]> wrote: > > Ok, > > Seriously pissed off. > > I know no one should ever go NSF on their bank account. I know this. I > understand that the bank charges for over draft, but this is insane, and > is > directly calculated to make the bank more money on the little guy when he > hits a problem. > > Ok, > > So it's Friday a few weeks ago. We have a $500 balance. We do normal > weekend stuff, go out, do our food shopping, rent some movies, order in > one > night. <cf_aside>Now we had deposited an 1800 dollar check on > Thursday</cf_aside> > > Ok, > > We're doing our checkbook last night. There are 4 different overdraft > charges on our account. 4. > > There is only one listed overdraft transfer though. 300 something for our > groceries. Also the check cleared that day. According to what I see > through Bank of America's web interface before the overdraft occurred. > > So I call these douche bags. They say that they process debits than they > process deposits on Monday morning. > > Wait wait it gets better. > > Also they start at the largest debit and work there way down. Let me > explain this for the slower of you. You have 5 charges lets say. 300, 100, > 40, 20, 10. You have 350 dollars. If you go biggest to smallest the > customer ends up with 4 overdraft charges, if you go the other way around > the customer only gets one. Also they double the price of the overdraft > charge if there are more than two of them. So not only do you have no > fucking money, you are now in debt to the bank. > > > > arrrrrrrrrrrrggggggghhhhhhhh > > > ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~| Protect your mail server with built in anti-virus protection. It's not only good for you, it's good for everybody. http://www.houseoffusion.com/banners/view.cfm?bannerid=39 Message: http://www.houseoffusion.com/lists.cfm/link=i:5:176114 Archives: http://www.houseoffusion.com/cf_lists/threads.cfm/5 Subscription: http://www.houseoffusion.com/lists.cfm/link=s:5 Unsubscribe: http://www.houseoffusion.com/cf_lists/unsubscribe.cfm?user=89.70.5 Donations & Support: http://www.houseoffusion.com/tiny.cfm/54
