Thursday, November 5, 2009

OVERDRAFT FEES!

THERE IS NOTHING WORSE THAN LOOKING AT YOUR BANK ACCOUNT AND REALIZING THAT WHEN YOU RETURNED YOUR $1/DAY REDBOX RENTALS (ONE FOR $1.07 AND THE OTHER FOR $6.40) THAT YOU WERE CHARGED AN OVERDRAFT FEE OF $35 A POP, BECAUSE ANOTHER BILL THAT COMES OUT AUTOMATICALLY (WHEN EVER THEY FEEL LIKE IT FOR) FOR $40 BOUNCES. LAST MONTH THIS AUTO PAY CAME OUT ON THE 22ND OF THE MONTH SO WHY HAVE THEY CHOSEN TO DEDUCT FROM MY ACCOUNT ON THE 4TH???
$$
NOW I AM OUT 4 OVERDRAFT FEES. THAT IS $140 GONE.
WHAT A MAJOR DRAG. I NEED EVERY PENNY I EARN. I AM SO DISAPPOINTED AND I AM THINKING OF ASKING MY CREDIT UNION FOR 'ACCIDENTAL OVERWITHDRAWL FORGIVENESS'. EVEN IF THEY ONLY FORGIVE ONE OR TWO FEES.
$$
I AM SERIOUSLY SAD ABOUT THAT. I AM TRYING SO HARD TO CATCH UP FROM MEDICAL BILLS, CAR REPAIRS, KID EXPENSES THIS YEAR AND I JUST CAN'T SEEM TO CATCH A BREAK.
YEP, THERE IS NO QUESTION ABOUT IT, I WILL BE WORKING MORE OVERTIME.
$$
I REALLY HOPE MY CREDIT UNION WILL WORK WITH ME. I AM SURE THEY WILL. I HAVE BEEN A MEMBER FOR 6 YEARS AND HAVE NOT HAD TO DEAL WITH THIS BEFORE. ALSO THE FACT THAT 2 OF THE CHARGES ARE FOR AN AMOUNT "COMBINED" LESS THAN $10.
UGH..FML!

2 comments:

Anonymous said...

Check out the link below, he provides some good tips on how to get fees refunded.

http://www.timtheoverdraftexpert.com/

Probity Financial Services now offers a FDIC backed checking account that never charges overdraft fees. They do charge 19.95 a month for an account but I never have to worry about overdraft or other gotcha fees.

Amanda said...

that totally stinks! i would definitely talk to them to get the fees removed! it's never to late to get back on the right track financially...you do a wonderful job as a single Mama!!