Comments | jenny_rambles: Bouncing Checks

jenny_rambles

Bouncing Checks

Dec 17, 2009 13:36

Oh - and as a PS theres some interesting posting going on in my friend Kevin's blog. Bounced check fees....they suck, yes. But the few times I've incurred them I've always thought "Hmm, my fault". But apparently NO. I was really interested to read some of the comments that people wrote. Apparently if I have 5$ and I spend 10$ its the fault of ( Read more... )

Comments 18

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jenny_rambles December 17 2009, 18:50:47 UTC

See I agree about the overdraft protection thing - and I think you can decline it for some now?

BUt the whole comment about how banks shouldn't expect you to keep track of your balance because you're way too busy? I think thats just not taking personal responsibility and I hate that!

I once bounced BIG TIME because the car rental place that told me my refund would post immediately after returning the car...took 2 weeks. And I was on vacation and had no clue. Luckily they took all that off for me....that was EXPENSIVE!

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jenny_rambles December 18 2009, 05:38:45 UTC

I laughed at your comment - classic. :)

Thread 8

coercedbynutmeg December 17 2009, 20:38:51 UTC

I hope Michael isn't your mike, because he's an idito.

angryvixen December 17 2009, 22:51:18 UTC

That's not her Mike. I've had words with the guy (I wanted to say boy, because that's what he acts like). I'm just... ugh. My head hurts from his comments.

jenny_rambles December 18 2009, 05:38:23 UTC

I told Mike this and he laughed. No, my Mike is admittedly bad with money...which is why he hands the bill money over to me...and uses cash for his day to day expenses. Hes not the best at money management but at least he takes responsibility for it and turns it over to me. :)

cleverkitten December 17 2009, 22:46:59 UTC

Which bank does your friend work for? I have two different banks -- one is USAA, one is Wachovia (which I hate, but I wanted a local bank in addition to USAA ( ... )

jenny_rambles December 18 2009, 05:36:48 UTC

He works for Bank of America - he does something at their corporate headquarters in Charlotte though - he doesn't do any kind of hands on banking kind of things.

And yes! Also don't forget restaurants, they'll automatically authorize 20% onto your charge to take a tip into account but the real amount that you spend comes later..whenever they actually settle their cards.

katzies December 18 2009, 08:18:03 UTC

When I was working at the bank I had a special snowflake at my counter complaining about a charge. He had written a check to someone who chose to not deposit it until 4 weeks later. By then, my snowflake had spent the money, the check bounced, both of them got hit with fees, the other person was mad and wanted money, he didn't have any, and somehow it was all the bank's fault.

gatoruptown December 19 2009, 16:49:53 UTC

Cleverkitten, I'm the banker friend Jenn mentions. Your example with Wilson's Leather is EXACTLY the problem -- it's not the bank's fault if a merchant decides to take his/her sweet ass time putting a transaction through, and the temporary hold has already dropped off after a few days. So people who don't keep track of their spending themselves, in a checkbook or an online equivalent (which I LOVE, for the record), end up thinking they have more money to spend than they really will.

angryvixen December 17 2009, 22:52:20 UTC

That made my head explode. I was all like, "WHAT?!" And stuff. Kablooey.

angryvixen December 17 2009, 22:59:46 UTC

The comments on there by William and Kimmy at the bottom - FULL OF WIN!

jenny_rambles December 18 2009, 05:35:15 UTC

Kimmy is wifeofset on here and yes - I totally agree. This is STILL going on in his facebook too - you are not PAYING the bank to tell you what you can and cannot spend. I don't even understand that kind of logic. Seriously.
I know now why the banking industry drove you nuts if that was the kind of thing you had to hear all day! :)