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- Aug 9, 2012
I'm in need of an explanation to all you bank employees or anyone with advice who would care to chime in. I recently became negative in my bank account due to overdrafts. I called my banks customer support center and they end up telling about a certain process banks use when it comes to companies I made certain purchases at, and that they need their money at certain times so they pull it out as it comes, and at the time they needed the money i had insufficient funds<< something in the order of that, I'm just confused because if you add the amount I needed for the purchases and match it to the amount i had left in my account it could of clearly covered all the expenses except for the last purchase, but the fact that they added the 25 OD fee between each purchase took away from what could be covered by my personal money. I understand I spent my money irresponsibly, but feels like they are running game on me, I was on a four day vacation in Padre and tried to make sure I didn't spend to much so I left my other cash back at my house. I should of been up on my account while I was out there, but to much was going on and I failed in that fashion. Pretty much what I'm hoping NT can help me out with is the understanding of why it's set up like this or to tell me I'm tripping out and what they were doing is justified, we all know banks have been on the OD fee hustle for a while and they did step regulations up but still there's room for error, I'm either going to get OD protection added on or just cancel the ability for me to use more then I have in my account similar to the form of me using solid cash......
Here's a visual, starting at the charge of 67.50 with 176.60 left in the account. The four charges including the 67.50 total 199.71 not including the OD fees, So without the OD fees 23.11 is that amount I didn't have to cover my purchases. I understand its a way for banks to create revenue and they get grimy sometimes, but can someone look at the pic and explain why the 25 OD fees came in between the actual purchases??????? Thanks for the help NT<<< BTW just for info I'm not a newb I formerly had the SN KanyewestJayz4life<<< But during the switch i guess it was lost in transition.....
Here's a visual, starting at the charge of 67.50 with 176.60 left in the account. The four charges including the 67.50 total 199.71 not including the OD fees, So without the OD fees 23.11 is that amount I didn't have to cover my purchases. I understand its a way for banks to create revenue and they get grimy sometimes, but can someone look at the pic and explain why the 25 OD fees came in between the actual purchases??????? Thanks for the help NT<<< BTW just for info I'm not a newb I formerly had the SN KanyewestJayz4life<<< But during the switch i guess it was lost in transition.....