Comments on: Bank Overdrafts: Outrageous Bank Overdraft Fees & Practices – How to Prevent Excessive Overdraft Fees http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/ Where Your Rights Have a Permanent Address: Consumer Rights, Economic Rights, Homeowners Rights, Condo/HOA Rights, Health Rights, Security Rights & Safe Pet Care Rights Thu, 02 Sep 2010 19:16:42 -0700 hourly 1 http://wordpress.org/?v=3.0.1 By: Ben http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-2327 Ben Sat, 17 Apr 2010 18:31:46 +0000 http://rightsradio.com/?p=340#comment-2327 Doesn't matter how well you keep up with it. If your significant other uses a debit card - and even though you have 40 dollars in the account and they do a 41 dollar debit - then you are a dollar in the red. So everything that has been taken from your account but is considered on hold will acquire a 35 dollar OD fee plus you will be charged again for each item on hold. Doesn’t matter how well you keep up with it. If your significant other uses a debit card – and even though you have 40 dollars in the account and they do a 41 dollar debit – then you are a dollar in the red. So everything that has been taken from your account but is considered on hold will acquire a 35 dollar OD fee plus you will be charged again for each item on hold.

]]> By: plancor http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-2191 plancor Thu, 04 Feb 2010 19:36:40 +0000 http://rightsradio.com/?p=340#comment-2191 I watched a couple of weeks ago on my computer because I have direct deposit and had written a couple of checks, The 2 checks were "courtesy paid "for a charge of 20 dollars each at 6:40 pm and direct deposit was entered at 6:45 pm. I called the next day and told them they were manipulating my account. The bank denied doing so, yet they received my direct deposit at 2:45 pm that afternoon. If that's not manipulation, what is? I watched a couple of weeks ago on my computer because I have direct deposit and had written a couple of checks, The 2 checks were “courtesy paid “for a charge of 20 dollars each at 6:40 pm and direct deposit was entered at 6:45 pm. I called the next day and told them they were manipulating my account. The bank denied doing so, yet they received my direct deposit at 2:45 pm that afternoon. If that’s not manipulation, what is?

]]> By: Dr. Joyce Starr http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-2121 Dr. Joyce Starr Wed, 06 Jan 2010 16:08:27 +0000 http://rightsradio.com/?p=340#comment-2121 Dear "Waiting2010," There have been some positive developments re our rights (or so it appears). I will do a new post shortly to update our readers and will advise you when it's live. Thanks for your question! Dear “Waiting2010,”

There have been some positive developments re our rights (or so it appears). I will do a new post shortly to update our readers and will advise you when it’s live. Thanks for your question!

]]> By: waitingin2010 http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-2120 waitingin2010 Tue, 05 Jan 2010 22:58:59 +0000 http://rightsradio.com/?p=340#comment-2120 Joyce, are you saying that nothing can be done about these exorbitant NSF fees? What can the Public forum do to speak out against this robbery? What are our rights? Please advise. Thank you. Joyce, are you saying that nothing can be done about these exorbitant NSF fees? What can the Public forum do to speak out against this robbery? What are our rights? Please advise. Thank you.

]]> By: Dr. Joyce Starr http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1971 Dr. Joyce Starr Tue, 15 Sep 2009 19:31:50 +0000 http://rightsradio.com/?p=340#comment-1971 Thanks for sharing your story Brandon. It's an important warning. Thanks for sharing your story Brandon. It’s an important warning.

]]> By: Brandon http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1968 Brandon Tue, 15 Sep 2009 15:50:03 +0000 http://rightsradio.com/?p=340#comment-1968 This happened to me today. I am a college student and had to use my debit card over the weekend to get gas and a couple of other small charges. These charges do not process until Monday at midnight or whenever the bank runs their books. The charges showed up in the correct order in my account at first and would have led to one overdraft fee if processed that way. My bank restructured the charges putting the largest through first and then charged me three separate overdrafts for three charges under 7 dollars. The kicker is that yesterday afternoon, which is the earliest I could get to the bank, I deposited a 1400.00 dollar check. (Where is the risk for the bank in this situation) There is no excuse for charging me 100 dollars in fees when the money is sitting in the bank. This happened to me today. I am a college student and had to use my debit card over the weekend to get gas and a couple of other small charges. These charges do not process until Monday at midnight or whenever the bank runs their books. The charges showed up in the correct order in my account at first and would have led to one overdraft fee if processed that way. My bank restructured the charges putting the largest through first and then charged me three separate overdrafts for three charges under 7 dollars. The kicker is that yesterday afternoon, which is the earliest I could get to the bank, I deposited a 1400.00 dollar check. (Where is the risk for the bank in this situation) There is no excuse for charging me 100 dollars in fees when the money is sitting in the bank.

]]> By: Dr. Joyce Starr http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1764 Dr. Joyce Starr Thu, 13 Aug 2009 11:27:16 +0000 http://rightsradio.com/?p=340#comment-1764 Hi Sean, I asked Rights Radio financial guru Joe Stallard to reply to your question. You can find his suggestions on the removal of <a href="http://rightsradio.com/removing-unfair-bank-overdraft-charges-what-you-can-do/" rel="nofollow">unfair bank charges here</a>. Hi Sean,

I asked Rights Radio financial guru Joe Stallard to reply to your question. You can find his suggestions on the removal of unfair bank charges here.

]]> By: Sean http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1759 Sean Tue, 11 Aug 2009 02:09:35 +0000 http://rightsradio.com/?p=340#comment-1759 I overdrew my acct by $4.00. The very next day I deposited 50.00 to cover the overdraft and no fees were posted to my acct yet. They waited until my acct had $3.21 left in it, then charged me a 10.00 overdraft fee, which put my acct in negative again. Now I get hit with a 35.00 fee twice. Then an extended fee because I didn't pay their 80.00$ within 2 days. Unfortunately I refuse to pay 115.00 in overdraft fees for a 7.00 overdraft. This doesn't even seem legal to me. Is there anything I can do. I am a single dad with a paycheck to paycheck job and I need this acct. What can I do? I overdrew my acct by $4.00. The very next day I deposited 50.00 to cover the overdraft and no fees were posted to my acct yet. They waited until my acct had $3.21 left in it, then charged me a 10.00 overdraft fee, which put my acct in negative again. Now I get hit with a 35.00 fee twice. Then an extended fee because I didn’t pay their 80.00$ within 2 days. Unfortunately I refuse to pay 115.00 in overdraft fees for a 7.00 overdraft. This doesn’t even seem legal to me. Is there anything I can do. I am a single dad with a paycheck to paycheck job and I need this acct. What can I do?

]]> By: Dr. Joyce Starr http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1707 Dr. Joyce Starr Sat, 25 Jul 2009 23:34:34 +0000 http://rightsradio.com/?p=340#comment-1707 Thank you Karen. It appears that few at the top really care. They're too busy counting your money. Our stimulus money was used in part (or large part) by the banks to invest in stocks, pushed the market up and make off like bandits, while charging people like yourself $35 for every minor overdraft. It's a perfect system. They were paid a handsome sum to keep the Little Man/Woman down. Thank you Karen. It appears that few at the top really care. They’re too busy counting your money. Our stimulus money was used in part (or large part) by the banks to invest in stocks, pushed the market up and make off like bandits, while charging people like yourself $35 for every minor overdraft. It’s a perfect system. They were paid a handsome sum to keep the Little Man/Woman down.

]]> By: Karen Lee http://rightsradio.com/bank-overdrafts-outrageous-bank-overdraft-fees/comment-page-1/#comment-1705 Karen Lee Sat, 25 Jul 2009 12:43:12 +0000 http://rightsradio.com/?p=340#comment-1705 My bank tells me to get a savings account and in the event of an overdraft they will pull from this account. What a bunch of bologna. They put the transactions through before they pull the money. Then pop me three times at $35 a pop. What is this world coming to? Our banks are robbing people blind. When is someone going to put a stop to this and help the little man? My bank tells me to get a savings account and in the event of an overdraft they will pull from this account. What a bunch of bologna. They put the transactions through before they pull the money. Then pop me three times at $35 a pop. What is this world coming to? Our banks are robbing people blind. When is someone going to put a stop to this and help the little man?

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