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Jul. 15th, 2008 @ 10:18 pm My luck roll for this month is now officially a 1
So right now my checking account reads as somewhere around negative *insert five digit figure* here. Why? Well, I made a large deposit, and in the way things work with very large checks, they're supposed to credit your account, then put that amount on hold.

They only did that second part.

So, until they fix it, their system is going to continue bitchslapping me with gigantic fees until they manage to figure out who flipped the wrong switch and/or pushed the wrong button.

I am going to get a new bank, probably a credit union, as soon as fucking possible. This is absolutely retarded.

I can dispute, and win, all these charges. Conveniently however I can only call during business hours to get the department that does such things. Conveniently the hold time will be ridiculous, and keep me from getting any work done.
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From:nikkyvix
Date:July 16th, 2008 05:36 am (UTC)
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Butbutbut... I don't get why you are responsible for incurring fees if it is the bank's error. They should not only be covering the automatic fees, but treating you like high royalty so that you won't sue them for whatever damages (credit report et al) you might report.

Correct me if I'm wrong about that. This seems too much like a bank saying 'Oops, our intern went straight to step 4 when they shouldn't have! Just cover the blowback for us while we slap their wrists, 'kay?'

Even so, that in itself would also encourage me to find a new bank.
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From:pathia
Date:July 16th, 2008 05:37 am (UTC)
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They'll take them off, but I have to call each day and dispute them. If I don't, they stick.
From:silussa
Date:July 16th, 2008 05:45 am (UTC)
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From:twentythoughts
Date:July 16th, 2008 08:40 am (UTC)
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Next time you call them about the fees, tell them that you either want the fees undone automatically, or you're switching banks.

Of course, you'll switch banks anyway. This, they don't know :)
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From:shatterstripes
Date:July 16th, 2008 11:16 am (UTC)
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Sweet monkey jesus on a rubber banana. That's just fucked up. I've heard some bad BoA stories but this one takes the cake. Yeah, I don't think they get to hold onto your hoard any more after this kind of crap.

Edited at 2008-07-16 01:20 pm (UTC)
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From:nightwind292
Date:July 16th, 2008 12:09 pm (UTC)
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tell them you want your entire account cashed out
INCLUDING the pending balance on that check
I'm pretty sure they have to give it to you even if it is not cleared.
Get it in a certified banker's check, and take it to anywhere else for a new account.
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From:pathia
Date:July 16th, 2008 12:24 pm (UTC)
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Can't do that, I am on managed plans that if I switch checking accounts I get fined and my rates increase
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From:nightwind292
Date:July 16th, 2008 03:51 pm (UTC)
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explain that a little, I'm sure you can find a bank that will give you an equivalent plan, if you try them all, including the better credit unions?
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From:squnq
Date:July 16th, 2008 01:42 pm (UTC)
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Put them on speakerphone while they have you on hold, I do that with the city and the post office all the time so I can still work while waiting.
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From:pathia
Date:July 16th, 2008 02:04 pm (UTC)
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I'm deskside, ie: I run all over the damned place, I'm in my office like 5% of the day unless it's a slow one.
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From:ff00ff
Date:July 16th, 2008 08:37 pm (UTC)
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Grrr. Banks hire lots of lawyers to make stuff like this not their fault. I hope you pull through it okay, Pathia.
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From:kistaro
Date:August 20th, 2008 01:43 am (UTC)
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Wow. That's incredibly stupid on the part of your bank. How in the hell did they manage that? That sort of incompetence takes special effort on their part; bank systems are supposed to be clever-er than that.

Hi there, I've notced you in passing on a few comment threads and you seem interesting in a variety of ways, so I hope you don't mind that I've added you?