Money: Today, I have -$700 in my current account, $500 from overdraft...

By Celina - 12/01/2009 09:55 - United States

Today, I have -$700 in my current account, $500 from overdraft fees because I spent money they told me I had. I don't get paid till the 15th and when I cash in my paycheck all of it will go to bringing me even. So the $9 I found in my wallet this morning will have to last me untill the 30th. FML

I agree, your life sucks 28 774

You deserved it 5 366

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Same thing different taste

By witt75 - 23/02/2011 18:53 - United States

Today, I was overdrawn $15 at the bank. I paid in my last $80 in cash, only for them to inform me that I've been slapped with $90 in overdraft fees. FML

I agree, your life sucks 27 760

You deserved it 6 236

By broke - 02/12/2017 15:00

Today, my work informed me that they didn't process my pay in time, so I won't get paid until the end of next month. I have less than £10 to last me until then. FML

I agree, your life sucks 4 265

You deserved it 299

Bunch of bankers

By WTF - 30/10/2009 10:11 - United States

Today, my bank overdrafted my account to pay a bill that isn't due until next month. When I called them, they said they would fix the mistake, but I have to restore the account to zero before they'll give me my money back. So, I have to pay for my own money with the money they won't give me. FML

I agree, your life sucks 32 421

You deserved it 2 247

Bunch of bankers, the lot of them

By Alyce - 06/11/2020 02:08 - United States - Lewistown

Today, I went to deposit a check, only for them to accidentally deduct the whole thing from my account. I didn't notice this until I went to buy groceries, after the bank had closed. I'm in negative numbers and will get an overdraft charge by the time I can get it fixed. FML

I agree, your life sucks 1 026

You deserved it 91

Can't buy me love

By Anonymous - 23/11/2020 04:02 - Japan - Okayama

Today, I realized while paying bills on my phone I fat-fingered which credit card I was paying and sent 299 to a paid-off card instead of 200 to another one. Now I'm going to have overdraft fees too. FML

I agree, your life sucks 660

You deserved it 437

By APoorGuy - 15/03/2016 12:08 - United States - Chevy Chase

Today, I found $20 on the ground. I'm so broke, this is the first time in 3 months that I've had any disposable income. FML

I agree, your life sucks 18 636

You deserved it 1 923

Meritocracy, amirite?

By Anonymous - 07/01/2022 05:01

Today, I worked for 4 hours and made $28.00. I have $1500 of bills coming due soon. FML

I agree, your life sucks 1 123

You deserved it 174

By dmlk - 10/12/2008 11:09 - France

Today, and for the third time this week, my bank manager called me to tell me that my account is still overdrawn. He doesn't seem to understand that my wages always get paid at the end of the month. FML

I agree, your life sucks 23 053

You deserved it 5 141

By tinaburrito - 26/01/2010 21:33 - France

Today, I found out my bank account was in the negative because my work gave me a check that didn't clear. I went to my bank to get a statement of charges so my job could reimburse me. They told me requesting a statement costs 8 dollars, which I don't have because my account is in the negative. FML

I agree, your life sucks 30 230

You deserved it 2 641

Interesting dilemma

By Anonymous - 07/02/2023 04:00

Today, I learned that as much as I try to save my money, it always just slips through my fingers. After rent, I got paid $280 yesterday, $85 went out on my gym membership, $95 went out on my internet, $125 went out on my Hello Fresh. I have to choose between half a tank of petrol or breakfast/lunch for the week. FML

I agree, your life sucks 247

You deserved it 1 782

serially 0

Sunday 22 February 2009 0:31

that's why you're supposed to keep track of your transactions and balance on your own... it's called being an adult.

toli_fml 0

Friday 27 February 2009 17:09

that's due in part to the bank's "automatic overdraft" protection, which essentially is taking out a line of credit with ridiculous interest from the said bank. Have them turn this off, so that way when you go to buy a $7 sandwich, and you only have $5 in your account, it won't work. Better to be embarrassed there than pay $25 + interest later. They bank will try and talk you out of it, and may even act like they can't do it, but demand them to turn it off. You'll be better off in the long run, spending only the money you have.

Comments

4strings 0

Wednesday 29 April 2009 19:36

hmmm dont get paid till the 15th eh...sounds familiar. usaa isn't an option for everyone btw.

love15_fml 8

Sunday 17 May 2009 20:00

I agree with # 3 if they told you you had the $ it's their fault

whtevrdude 0

Friday 5 June 2009 3:04

That's why people use comerica... DUH!

popoman 0

Thursday 9 July 2009 2:08

Even if they told you that you had the money, no responsible adult would spend the money in their account so that their balance was close to $0. You should always budget wisely and have backup money. YDI, even if the bank screwed up (I also clicked FML, because it sucks). I would suggest getting another job temporarily and leaving within your means. Maybe hold a garage sale of valuable things you don't use anymore.

scooter32 0

Monday 13 July 2009 4:54

haha

kittengrl39 0

Tuesday 14 July 2009 21:41

I HATE that. It's happened to me too - not the negative, but spending more money than you had because they told you it was there. Now I'm paranoid about how much money I have in my account and what I do spend never adds up. I KNOW I've spent more money than that, but they keep telling me it's still there. Now I don't know what I can buy and what I can't in case it bites me in the ass later.

Tinaeatyourfood 0

Tuesday 28 July 2009 21:33

Before I even finished reading this I said, bet this person has bank of America. Bank of America is the worst bank to have, they trap you into a cycle of fees designed to make them rich, and you not so much. I had an account with them once, it ended badly. As a responsible adult I had a separate account from which my foreign currency bills would be drawn, and no other transactions would be done. I get paid on the 14th and 29th, a set amount is then auto deposited into the account and the bills are automatically paid. This worked fine until I fell victim to the Bank of America "funds availability" scam. Basically I got paid on Thurs at 6 am, Monday was a holiday so the money disappeared for about 5 1/2 days (somewhere in limbo between my primary and Sterling account) until Tuesday night approx 4:30pm. Lucky for Bank of America my bills tried to post early that morning, thus trapping my account in a downward spiral of overdraft fees and returned item fees. Hurray for Bank of America!