Today, I helped a stranger exchange 3,000 Argentinian pesos for US dollars through my bank. They gave him $3,000. The exchange rate is close to $195. My bank realized their mistake and now my bank account is -$2,805 expecting me to pay it back. All this happened before my recent paycheck came in. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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, 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 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 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
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 was surprised to see a little extra cash in my account for no reason. Confused, (and a little concerned about fraud) I called customer service. Turns out my dad had accidentally used the wrong routing number and put the money in the wrong account. So much for that extra $35. FML
Today, I went to the bank to get a jar of coins exchanged for cash via a fancy counter machine. After 30 minutes I was handed a bag of rolling sleeves and was told to do it myself. Good news, I have a lot more money than I thought. Bad news, I have A LOT more coins than I thought. FML
Today, my boss told me that I was getting a promotion. I was so excited to tell my family and friends the good news, but when I got home and checked my bank account, I realized that I had accidentally transferred all of my savings to my ex's account. FML
Today, getting home from a long day at work, I checked the mail and saw three envelopes from the IRS. Apparently I now owe over $4,000. I only have $2 in my bank account. FML
Today, I'm making preparations to call a foreign embassy to try to get back a huge sum of money. A close relative was scammed out of it, it seems to be bouncing around a European banking system, and they are not capable of figuring this mess out themselves. It's not even my money, but I feel obligated. FML
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Top comments
AmbrosiaFan 19
Which bank is this and are you fighting it? Considering they made the mistake?
Gwengreen 6
Something is missing here.... How would it be legal for an FDIC insured bank to hold you responsible?
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Comments (24)
AmbrosiaFan 19
Which bank is this and are you fighting it? Considering they made the mistake?
thatslifeiguess7 16
Why did you help a stranger? good grief I would have at least looked up the rate. my question is how much did you get for helping? Reminds me of the old coin swap scam. Guy walks up says he found these rare coins can you call this number? the guy looks homeless you call the guy on the other end says give the guy money and bring the coins to him since he will ask you what the guy looks,like. happens in casinos too. Hate to say I know cause I have family who would pull scams
RichardPencil 32
Don't worry about it. If you give me your bank account info, I'll put tens of millions of dollars into your account and I'll let you have $2.5 million for helping out another stranger. You're so nice!
Gwengreen 6
Something is missing here.... How would it be legal for an FDIC insured bank to hold you responsible?
engineerosaurus 26
Deposit insurance prevents you from losing your own deposits if the bank fails. It doesn't relate at all to errors or fraud.
amarie2009 22
There must be something missing in this story, it does not add up. Did you deposit a check for the amount of 3000 dollars in your account and that check turned out fake? That would make more sense that the bank would charge you for that . And why would you do that through your bank? In the US there are basically exchange offices for tourists on every corner, you should have sent him there.
Tarlachia 33
Are you sure he wasn't a Nigerian prince?
rickAUS 22
So the bank did a normal currency conversion and screwed up the exchange rate, then took money out of YOUR account to cover their screw up and expect you to pay it back, simply because you were helping the other person out? What the shit...
engineerosaurus 26
That's why you don't help strangers launder their money.
rodfergie 18
Any time you open an account you sign basically a waiver. It it says you will hold the bank harmless for any mistakes it makes. Unfortunately this makes you responsible when the bank makes a mistake like this.
ShannonBitt 29
They might require you to have a bank account to do a currency exchange and OP let the stranger run it through his account.
zach055 23
Why did you help him at all?
wmayrhofer 18
you misspelled "scammer". try to report him and maybe there is security camera footage
Ashley Beecher 8
that has to be illegal,
RetireEngland 24
They made the mistake its on them not you