I think we had the same thing happen. The “bank with the name that sounds an awful lot like our country” charged us overdraft fees for transactions that had already posted. In fact, we were charged something like six overdraft fees for items that had already posted. Initially, it was our fault. A larger transaction posted and we didn’t have the money to cover it. So, the bank proceeded to post that transaction first and all the other little transactions that actually came first AND CLEARED, were then posted AFTER this larger transaction…including debits.

While we should have been charged an overdraft fee for the transaction that put us negative…we should NOT have been charged the other five!

My husband ended up paying the WHOPPING negative balance we ended up with. Needless to say, we closed the account and agree that people who use this bank are “SAPS”.

And, boy, do we have nightmares about realtors. I’m not sure about other states, but here in Florida, it is just too easy to become a real estate agent! I have some really good stories about that!

I will not bank with predatory banks. One such bank is named after this country and they did not follow through on what a higher level supervisor promised after I spent half the day going up the chain of command to get back some of the money that they were robbing from me in monthly fees just because the phone representative who changed my account had no brain.

Anyway, Don, I really appreciated you posting this, and it would be laughable if it wasn’t so sad. I do have a story to share that defies logic, and took me over a month to straighten out. I once banked with a small town community bank that was taken over by a conglomerate (one that refers to a native or member of a state, hmmm). Anyway, I never changed banks as I was grandfathered in with my orinal banks terms. However this summer we had some money problems and had a check clear the bank the night before the deposit went in. I accept responsibility for this, after all I wrote the check Problem I had was that they posted the check BEFORE all the posted transactions that had cleared my account the day before, this illegal accounting method cost me $390 in fees, one for each transaction that had taken place over the weekend, for a $29 overdraft. I only knew these items were already POSTED, not pending, because I was watching my account so closely and had checked the items off in my checkbook. When I called the bank, I thought they might work with me since I had not bounced any checks with them. Nope. They did not, and I closed all 6 accounts with them that day. Good riddance, right? NO. A month after I closed the account I received an overdraft notice on my primary checking account. Again, thinking the situation would be easily rectified (I worked for over 10 years in banks, I know the deal, or at least used to) I called them to clarify the matter and was told that they would open a case file and that I must fill out an affidavit saying I never authorized the payee to withdraw from my account. Technically, this is not true, and legally it is false (I also worked as a paralegal). However, I reminded them that they were no longer authorized to make any payments on my behalf as the ACCOUNT HAD BEEN CLOSED FOR OVER A MONTH. So, long story short, the $21.19 charge cost me a $39 overdraft fee, and began accruing $35 “administrative” fees every five days. Meanwhile, I was getting nasty letters from them all the while. None of my phone calls were being answered. Finally, after about a month of this nonsense, I called and left the message that I would not be calling again, but that my attorney (OK, I don’t really have one – but I used to work for one;) will be in touch with them concerning this matter. I received a phone call back that day that the nearly $300 negative balance had been resolved. I thanked God, but still remain frustrated for 2 reasons: One: this insanity cost me alot of time. Two: Many people would not have the time or the resources to rectify situations like this are just paying the fees.

Yup, the world has surely been infected by a virus, and its a superflu.

BTW, I have been praying over my finances and it seems to be working, but I will be sure to let you know if I receive any unexpected deposits

Thank you for letting me share my story. I really felt like I was down the rabbit hole on this one. I have others, but this one topped them all. Seems like the insanity is pervasive.

Thanking God I am just passing through.

Betty

I know what the bible says about picking elders we were never talking about divorced people leading a local church here.

I’m divorced. I cannot pastor a church. I can win souls. It’s as simple as that.

Has nothing to do with God’s grace. It’s the doctrine of the Bible. I’m sorry if that offends you.