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 (15722) - you totally deserved it (697)
On 10/30/2009 at 6:11am - money - by WTF (man) - United States (Arizona)
No, you have to pay for your own money with some other money.
Otherwise, this would be an actual FML and not just someone complaining that they overdrafted.
#2 - On 10/30/2009 at 2:06pm by someguy945
The overdraft was the banks mistake for screwing up the bill pay system.
#11 - On 10/30/2009 at 3:12pm by sjx
No, he just made it sound like the bank's mistake. Have you ever used a bank bill-pay system? You can either set up a one-time payment, or you can set up a schedule that does exactly what you tell it to do. The bank doesn't try to intelligently determine when your bills are due. It just pays when you tell it to pay.
#12 - On 10/30/2009 at 4:08pm by someguy945
He really shouldn't have signed up for automatic bill pay, though. That's why stuff like this happens.
#13 - On 10/30/2009 at 4:26pm by americayay
Too many negative votes, comment buried. Show the comment.
YDI for being poor!
#3 - On 10/30/2009 at 2:16pm by DumbStruck79
Get a new bank. And when you close out your account at this bank, make sure they know the exact reason why. Don't let them sweet talk you back in. Be firm and go to another bank. Write a letter to the president of the bank with your complaint, publish it in a blog, on Facebook, on Twitter; coming here to FML was a step in the right direction.
#4 - On 10/30/2009 at 2:26pm by jonnymohio
I agree with the getting a new bank part. And I doubt you care what I think about the blog stuff.
oh wait this is the internet.
DOWN WITH YOU
#15 - On 10/30/2009 at 5:26pm by polico_wolf
yeh i can see it now "This bank is shit, they followed their protocol exactly and did what i requested of them, and because im an idiot who cant handle my own funds im now in debt but theyre going to reimburse me if i restore money to the account even though im to blame! FUCK THESE JERKS"
yeh thatll show em. fucking assholes.
#19 - On 10/30/2009 at 11:39pm by organisedchaos
Everyone's going to read his blog/Facebook page/Twitter account. He's going to start a revolution against [bank]. Yeah!
(In reply to 4)
Bullshit. If the bank agreed it was their mistake and agreed to fix it, they certainly wouldn't tell you that. They'd just put the money in your account.
You need to make copies of any all proof you have of what happened.
You NEED to take the copies TO a bank location and then you NEED to talk with a MANAGER.
You NEED to MAKE them resolve THEIR mistake!! Do NOT take 'no' for an answer.
I went thru something similar when I wrote a check for $100 something and my bank paid out $1,000 something.
Stop listening to e-lawyers and go seek real legal advice. Either that or bend over and take it up your ass.
wow what assholes, no wonder people rob banks id want to level that place.
#16 - On 10/30/2009 at 5:54pm by lespaulhero
Um, extraneous circumstances aside, it's usually the fault of the company whose bill you are paying, not the bank's. The bank is often just an innocent bystander. As for getting both credit for both the fraudulent charge and the overdraft fee, you need to file a complaint (which you already did). Just be lucky that you have an account at a bank that is compensating you for the overdraft. Not all banks do this, nor are they even necessarily required to.
If you are required to return your account to a zero balance first, then unless the employee's information is wrong, it must be a stipulation of your bank's policy. YDI for not knowing or understanding how your bank account works. Instead of whinging on about it, just pay the balance and you'll have that much more added to your ending balance. This is not an FML. Get a life.
#20 - On 10/31/2009 at 12:58am by blastvortex
all the posts on here are just dumb ass customers. i can only speak for my bank..and if there is an error on our part, we correct it. which is kinda rare. it's usually the dumbass unknowledged customers who keep .10 cents in their accounts.
#21 - On 10/31/2009 at 1:13am by lilfuzz409
sounds like you use bank of america, heard they do this kinda stuff to people all the time... from someone who used to work there
#24 - On 10/31/2009 at 5:00pm by RedmondRoshi
the bank I work for will automatically correct any error that is our fault. it sounds like it was your fault in the scheduling but the bank is agreeing to reverse the fees. in order to do that your account has to be positive. of course this is all speculation so whatev...
#25 - On 11/01/2009 at 1:07am by AshleyRose784
Yeah, Bank of America is a terrible bank, switched my money away from them as soon as they swallowed my nice little local bank. I would be interested to hear which bank this is that screwed you.
#28 - On 11/01/2009 at 6:34pm by willothwisp
