Today, I overdrew my account and ended up paying an extra 35 bucks for a 1.99 item. It was an application on the iPhone that is supposed to help me keep track of my money. FML
Collection
Fall
Dead leaves, the first cold of the season and an umbrella flipped inside out: fall, the season of grace.
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 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 realized I forgot to cancel a free trial for a meditation app. So, ironically, I now owe $40 to an app that’s supposed to reduce stress. 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, my cell phone service was interrupted because I owed the company 27 cents. It cost 36 dollars to reinstate my service. 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, I was going to an event with my friends and I'd told them I could pay for an Uber since I had a coupon for 70% off. It was only going to cost 5 bucks, but later I looked at my bank statement and an additional 15 bucks was taken from me. FML
Today, I found out my bank charged me $50 for not having any money. Way to go bank, way to go. FML
Today, I looked at my bank balance. It read $1.23. That's higher than it usually is. 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
thabeast 0
well, you need it
skullbuster 0
Well, if you didn't have $1.99 in your account - you should probably skip buying apps on the iPhone and do things the old fashioned way. I mean, honestly, it doesn't sound like you have much money to keep track of anyway so I think a notebook and a pen would probably do the trick (or use that Notes app and the calculator on the phone)!
Add a comment · Reply to
You must be logged in to be able to post comments!
Comments (122)
anniebananie 3
How hard is it to log into online banking once in a while to check your balance? They even have overdraft protection if you have a savings account! You can even check it form your iPhone! I mean, could they make it any easier? YDI.
philosopher 0
You'd be surprised how hard it is for some people. Some people can't even turn on a computer without breaking it a few minutes later.
mattmag 0
haha so true
aaaaa12345_fml 0
maybe if they have some sort of mental illness/retardation
AshleyRose784 0
you don't need an application for your phone, you need a transaction register and a pen...
wowfmlife 0
Supposed*
ithedarkknight 0
lmao those itouch and iphone apps are addicting but i just use the free ones...
Noodlez_fml 0
FAIL
mouseintern 0
With online banking, how hard is it to keep track of your money? You log on and bam! there is your balance. Keep $100 or so in there as a buffer and you're good to go. I have zero sympathy for any FML that includes the words "overdraft" or "overdrew my account".
Pyrbaby 0
Actually, there are times when shit just happens and you get overdrafted. I went $300 in red once, even though I KNEW I had $200 in the bank, but there was a bank error so I had to pay a bazillion overdraft fees. I had my buffer. I knew how much money I had. And yet the bank screwed me over. So I can't say I have zero sympathy. BUT..chances are with something like this that it was pure stupidity and laziness. I also have a hard time sympathizing for anyone who overdrafts for a Starbucks latte or something.
mouseintern 0
True, bank errors resulting in overdrafts don't apply to my having no sympathy for real overdrafts. They're really overdrafts in technical name only. I really only mean overdrafts that are the result of people legitimately charging more to their account than their balance.
lakeylove 0
I'm reading this from the fml app on moms iPhone. my mom doesn't even buy apps. same thing happened to me buying green day know your enemy I had to pay 25.00 waaaaaa
bartoron 0
YDI for buying a Green Day song. ;D
bballchamp43 0
stfu green day rocks
24788 7
There's better ways to keep track of your money and it's usually free.
ELFENMAGICLOLZ 0
Should've downloaded Mint. It's free and probably better than the one you bought anyway.
L0veh8te 0
Call you bank they will refund your over draft fee. If its your first time. Banks will usually refund up to 2 some times 3 overdrafting fees. Just be nice when you call and if they first persone doesnt credit you ask to speak with a supervisor and so on.