****ing bank of america and their ****ing overdraft charges!!!!!

[Le Pirate]

really...this is my fault, but I'm still pissed at them.

I wrote a check about 1.5 years ago to the city (tax thing) that they never cashed. I use the BoA website to keep track of my banking. I use my card 99.999% of the time, rarely ever writing a check, so the site works great....except that I can't put uncashed checks into my ledger.

Well, you can all see where this is going...

I get payed on the first, and take care of all the bills right away. I check my bank account today to see which of my bills have been taken out of my account and see that I have $245 worth of overdraft charges. Turns out someone found the check I guess and cashed it around the 26th of Oct, so everytime I bought gas or went to the pharmacy, or the grocery store between the 27th and 1st was charged a overdraft fee. $35 a time...7 times total.

make the beast with two backsING CITY!!!!! making me write a damn check! no one takes checks anymore...but nooooo....you can't take cash 


grrrrrrrrrrrrr!!!!!

i need beers, but i can't afford them anymore 

[Betty Rage]

Have you tried calling the bank and reasoning with them? Have them look at the date on the check and maybe they'll reverse some of those for you.

Otherwise, I sympathize. I've been in that exact position before. I love it when people wait 6 months to cash a check and then don't clear it with you first to make sure funds are there. I always ask them if it's ok before I cash other people's checks, just out of a courtesy.

[ducpainter]

I though a check over a year old was no longer any good.

I could be wrong.

[TiAvenger]

I though a check over a year old was no longer any good.

I could be wrong.

no, its at the banks discretion.

[derby]

I though a check over a year old was no longer any good.

I could be wrong.

http://www.allbusiness.com/legal/laws/948715-1.html

[TiAvenger]

According to the United States Uniform Commerical Code, a bank is not obliged to pay a check more than six months old. Here's the full text of the guideline:

    A bank is under no obligation to a customer having a checking account to pay a check, other than a certified check, which is presented more than six months after its date, but it may charge its customer's account for a payment made thereafter in good faith.

[somegirl]

I once had a credit card cash a check for $1000 more than I had put, and the bank just put it through without reading my check to verify.

[TiAvenger]

http://www.allbusiness.com/legal/laws/948715-1.html

damn you!!!!!!

[ducpainter]

http://www.allbusiness.com/legal/laws/948715-1.html

Wrong again dear...WRONG AGAIN

[Triple J]

This is precisely why you should keep an account register, and balance it monthly, instead of relying on what the ATM machine tells you.

Someone could cash a 10 year old check from me and I wouldn't care...as far as I'm concerned the money was removed from my account when I wrote it.

The overdraft fees suck though. I'd call the bank and talk with them...they may help.

[desmopr]

really...this is my fault, but I'm still pissed at them.

I wrote a check about 1.5 years ago to the city (tax thing) that they never cashed. I use the BoA website to keep track of my banking. I use my card 99.999% of the time, rarely ever writing a check, so the site works great....except that I can't put uncashed checks into my ledger.

Well, you can all see where this is going...

I get payed on the first, and take care of all the bills right away. I check my bank account today to see which of my bills have been taken out of my account and see that I have $245 worth of overdraft charges. Turns out someone found the check I guess and cashed it around the 26th of Oct, so everytime I bought gas or went to the pharmacy, or the grocery store between the 27th and 1st was charged a overdraft fee. $35 a time...7 times total.

make the beast with two backsING CITY!!!!! making me write a damn check! no one takes checks anymore...but nooooo....you can't take cash 


grrrrrrrrrrrrr!!!!!

i need beers, but i can't afford them anymore 

Something similar happened to me @ BoA.  I went to the branch to close the account.  They erased all, but one of the fees.  Worked for me.  Good luck!!

[ducpainter]

Something similar happened to me @ BoA.  I went to the branch to close the account.  They erased all, but one of the fees.  Worked for me.  Good luck!!

Usually an effective tactic.

[superjohn]

Definitely call them and work something out rather than pay the full charges. I guarantee they'll reverse most, if not all of them under the circumstances. It's not like they have a person deciding to screw you, it's all because their computer system flagged it. A bank manager will reverse all that in a heartbeat since they have no interest in losing depositors these days.

[Supero100]

Ugh




If they start doing this to my clients after the merge, I'm finished

[DY]

the key is to show up IN PERSON.  I tried reasoning on the phone before but when i showed up at the bank(wamu) to close my account, they erased two of my overdraft charges and some stupid 30 dollar fee from when i ordered new checks.