I can't give any advice, but I want to add that this is why I switched from National City to USAA.
National City allowed me to deposit my paycheck into an ATM and have the money avaiable immediately on the weekend. Monday comes around and there is a nagative balance. They said the money is not relaly there, but the atm thinks it is so it lets me spend it and it won't really be in there until the "holding period" is over! Is that ### or what?! There is no warning on the atm's that say anything about it being available so you can overdraw and make them more money! I hate banks that prey on people like that! They purposely want you to overdraft so they make more money. Then the people that have LOTS of money are making interest with the money the bank is stealing from us with these "overdraft fees"...I say...why the heck don't you decline the transaction then?! They say this is a courtesy pay...then why not be so courteous as to credit us back the unnecessary fees?!
USAA gives you credit right away for checks and if they bounce, they take the money back out of your account. ONE fee if that happens and that is for the bad check if it is one. That way you aren't getting $29 fees for a $5 meal from McDonals that was pending weeks before. We as consumers need to stand up to these big banks and high interest rates!
Can you believe car insurance companies can charge you more based on your CREDIT!? Why the ### does credit even matter?! If I don't pay the insurance, then cancel the coverage! Why is bad credit even a factor! There are no risks higher for people with bad credit for your coverage! This is all part of the government's plan to kill hte middle class of this country! It all starts with one Bank at a Time...
BANK OF AMERICA SUCKS!
MY HUSBAND AND I ARE MILITARY AND HAD MILITARY CHECKING. I CAN TELL YOU THAT ANY THING THEY CAN CHARGE YOU FOR, THEY WILL!
I deposited $100 to open our account one day. I went to pump gas with my new gas card weeks later with that $100 account. Gas pump put a $75 hold on my account I was unaware of at the time.(I only pumped $34.00 of gas). I went and BOA let me spend $31.00 on Dinner for me and my husband that night. When I checked my account one hour, we were positive $35. Then I check hours later and we are negative 34.00! They let the $62.00 go through then attempted to take it out of our savings (keep the change) which had like 1.00 in it and then they charged us a feefor trying to pull out of savings, then another overdraft fee for overdrafting during the hold for gas...but they waited until we had money in the account and then dropped the fees on us individually after each transaction! What a crock! The money was actually in there and I was unaware of the hold. Isn't that what a HOLD is? Holding your funds anyways? Why did they let me use money that was on "hold"?
My husband and I lost over $800 to overdraft fees in a 3 month period because of stupid small errors. When you live paycheck to paycheck, overdraft fees keep you burried in that hole and you'll NEVER get out!
I joined USAA in November of 2007. To this day I have NEVER overdrafted with them! All of my deposits are "accessable" immediately and if the deposits bounce, there is a one time bounce check fee when it is taken out. It doesn't back date and bounce EVERYTHING individually! I LOVE USAA! They are the best! In fact, I have earned over $75 in gift cards from using their check card and running it as credit! It is a free program! You get points just for buying stuff and paying your bills!
USAA is in the best interest of the customers! I always have EXCELLENT SERVICE WITH USAA!
I will NEVER in my life open an account with BOA EVER AGAIN! They are against you and steal your money! My friend got an account with them because she was with LaSalle and they converted. She lives paycheck to paycheck. Working FT mother with an apartment to pay for and she is ALWAYS in the negative thanks to their endless fees! She would switch except USAA is only for military members and fmailies :( Sorry civilians! But is the BEST Bank there is!
BANK OF AMERICA...YOU SUCK!
BANK OF AMERICA SUCKS!
Here's the funny thing about all of you defending BOA!...You keep saying "Don't verdraft if you don't want fees.." HELLO?!?! We don't all intend to overdraft. I will repeat the above statement...THEY RUN THE WITHDRAWLS FROM HIGHEST TO LOWEST REGARDLESS OF THE TIME YOU MAKE THEM! I was unawar of this policy for a while and didn't figure it out until I actually overdrafted.
READ THIS FROM TOP TO BOTTOM AS IF THIS IS THE ORDER BY TIME OF HOW YOU SPENT YOUR MONEY IN A GIVEN DAY:
THIS IS YOU:
Lets say you have $100
You spend $11
You now have $89
You spend $60
You now have $29
You then deposit $50 you found in an old coat pocket
You now have $79
You spend $30
You have $49 left, and you are close to nothing, but ok with a balance...or so you thought...
THIS IS HOW BOA PROCESSES YOUR DAY:
BOA:
They start you with $100
They take away $60
You ahve $40 now
They take away $30
You have $10 now
They take away $11
Now you are -1.00
They deposit your $50 after the withdrawls
You are finally $49 positive...JUST KIDDING!
Now they throw on their $29.00 OD fee from the $1.00...three days later! and bring you down to $29. Now imagine all of this happening in one day while you are at work and you in your head think you have $49 and spend $30 on your way home...whoops, bounced again!
Imagine thinking like "YOU" but thinking that way for a whole weekend and imagine that total about $1200 before Rent, Car payments, insurance, gas, groceries, phone bills, etc...
NOW DO YOU SEE HOW PEOPLE UN-INTENTIONALLY OVERDRAFT?! It is not fair for banks to run your charges through by order from high to low to maximize their profits when you made your deposit before spending the rest of the money and deposited cash! The middle and working class are the victims. The people that barely get by are trapped and the ones that have lots of money, profit with interest which is paid for by our overdraft fees.
MY ADVICE:
SWITCH TO ANOTHER BANK or:
Stop using your debit cards! ATM's LIE! Cash can't lie!(unless it's fake)
I hate AAA! My husband had auto insurance through them and on our way home from out of state, on Christmas Eve, we were hit and our truck was totaled. We were forced to stay in a hotel out of state on Christmas day and the day after our truck was announced totaled and we financed a new vehicle. Our car payment was usually due on the 1st but seeing as how it was the 16th and we got a NEW truck with the same policy, they said they would take care of the pay off...well. three months later, I check our credit reports and lowe and behold, GMAC reported our old truck payment as 3 months late! I called them and they said the pay-off check didn't come in for 3 months! WTF?! They told us they were aware and we didn't have to pay when we called in December!
I need a lawyer to clean up my husband's credit report! It is not our fault the payment was 3 months late and GMAC will not take it off his credit!
Does anyone know of a good lawyer for credit report clean ups?
Sorry, it is supposed to say the 26th, not the 16th...I was typing too fast with all of my raving!
DOES ANYONE KNOW OF ANY LAWYERS IN MICHIGAN WE CAN HIRE TO CLEAN UP A CREDIT REPORT THAT WAS INCORRECTLY REPORTED BY GMAC? MINE WAS REPORTED 3 MONTHS LATE WHEN IT WASN'T AND WHEN I DISPUTE IT THEY DO NOT FIX IT AND WHEN I DEMAND PROOF THAT THERE WERE "LAT" NOTICES MAILED, I GET NO RETURNED PHONE CALLS AND I HAVE ALL THE PAPERWORK SHOWING IT WAS PAID!
THESE PEOPLE SUCK!
I think that it is really unfair to dis the company because of a defective paper shredder! This is what the extended warranties are for! I buy them on everything!
I had an Activa Shredder that was $125 for 7 months with the warranty. When it broke, I called the number and they sent me a gift card in the mail. They never even asked for the old one back! That is what the warranties are good for.
If you guys think the system is such a scam by the way, why don't you take advantage?!
Purchase a new same shredder adn return the old one in the new box with the new receipt. If it is the same shredder, there will be no problem and the same associates won't notice you soming in every 6 months probably.
BUY THE WARRANTIES PEOPLE! Stop saying it's the store's fault. We all have the same problem. It is the fault oF the person who designed the shredder. Take advantage and get the free gift card after using it for 7 months! I do :)
Well Said Awsten!
I also work at Office Depot and I have read those terms over and over and I agree with you.
No matter where you go there are hassles! At least goign through the warranty, you get a replacement. It was way better than spending another $1000 on a computer and by 4 moths of waiting...you just got yourself more for your money! Technology advances so quickly that your once $1000 pc is now only costing $500 and the newest, coolest touch screen is now $1000 which you can get because you got a gift card for the vaule paid on the first one! You got the better end of the deal! Way better than being out a computer or dealing with the manufactuer!
The problem with consumers is they expect everything ligity split and right when they want it. When it's convenient for them!
The warranty isn't a magic wand to swap it out in a day. It is a guarentee that we will fix or replce your item! Now, it does not NORMALLY take more than 2 weeks but you had an exceptionally bad experience and I don't blame you for venting, but not everyone has bad experiences and personally, I buy warranties on everything I can because I would rather be out $150 for the warranty than $1000 for the pc that doesn't work!
