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
Collection
Thanksgiving
Questions about your love life, a burnt turkey and the cousin who knows everything: Thanksgiving, a contact sport.
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
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
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
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
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
Today, I worked for 4 hours and made $28.00. I have $1500 of bills coming due soon. FML
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
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
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
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
Feel like sharing it with the other FML users?
Thanks, your FML was submitted, and will appear in the moderation queue soon!
Top comments
serially 0
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
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.
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (39)
indyme 0
Banks are evil. When I was younger, they just declined your card. And they updated your balance immediately. There was none of this taking a week to post crap! As much as I hate to endorse an evil corporation like Walmart, the walmartcard (walmartmoneycard.com) has actually saved my husband and I, since husbands are incapable of giving me his receipts so I could balance the checkbook... Look into it or something similar...
nieska18 0
i dont get why people spent theyre money close to being $0. i get ppl have bills n shit, but nobody saves anymore?
Reika_fml 3
Let me guess: Wells Fargo?
mc1900 4
whine whine whine. try spending less than you earn
finalyearsofhate 22
like others have said, completely your responsibility to keep track of your transactions. can't blame the bank when they'll tell you straight up that it may take days for certain things to clear. maybe you shouldn't have a checking account.
Frankisk8 0
go to walmart. 3 bucks out of your check...you can cash it.
aerogxt 7
You must be a Wells Fargo customer.
lincolnkite 6
Sounds like one of those Math problems. If Johnny has 3 apples...
djskidd 9
Man, I hope everything worked out, OP.
mrsmaglietta 6
number one you are responsible for your Money and your spending number two a bank can hold deposits as part of a federal regulation and 3 banks can only charge 4 overdraft charges per day that transactions take place so the only way you would become that negative is if u continued to spend without monitoring your account. don't blame others for your stupidity.