I am so fustrated right now with Chase Bank. They have taken thousands of dollars from me. You read right, not hundreds but thousands.
I have contacted a lawyer about sueing, but she does not seem to be to enthused about it. She has told me that she would send a letter. Somehow I don't think a letter is going to do it.
I don't see how a bank can continue to take and take money from you without your permission. I can understand a bank taking fees for overdrawing your checking account but I believe there should be some limit on it because the cycle just continues. I overdraw my account, they take their fees, (money I need to pay my bills) and so therefor my account gets overdrawn again because I don't have the money I was depending on to pay my bills because they have taken it.
My husband has been in and out of work for the last 4 yrs. It has even gotten to the point that we were behind on our mortgage, car payments, etc. And then, on top of it, the bank is taking money from me. With the econonmy the way it is, it is hard enough to make ends meet without a bank just taking money from me whenever the have the urge.
What I've noticed is that I will have several pending items for days. Then they all come out at once with the largest item being taken out first, which is the item that most of the time will cause my account to be overdrawn, and then in turn all the smaller items, which are usually under $20.00, get charged $35 each for being overdrawn. I put money in to try and cover the charges and then I'm left with nothing or an account that is still overdrawn after my deposit.in turn causing more items to be charged. I just can't get ahead. Everytime I think that I'm getting it taken care of, wouldn't you know, there's another charge.
Just recently I had approximately 6 items pending, they had been pending for days. It was on a Tues. The weather was getting cold and we ran out of fuel oil to heat the house on Monday. I have to small children both under 3, so I called the gas company on Monday but they couldn't come until Tues. Remember on Tuesday I had 6 (approx.) items pending and me and my husband would both get payed on Thursday by direct deposit so the funds would go through on Wednesday night. I had to pay $500 for minimum delivery of fuel.in other words get $500 worth or get nothing at all. So, I left the gas company a check while I went to work on Tuesday. I knew that I wouldn't have all the funds in my account until thursday am, but I had to get heat.
So I check my account on Wednesday and wouldn't you know it. The $500 check had already posted along with all of the items that were pending the day before. So I was charged $210.00 in overdraft fees. Please tell me how a check that I wrote the day before could post before the 6 items that had been pending in my account for days. Had the items that had been pending in my account posted first, which they were obviously there first, and the check last, which was the last transaction made, then I would have only been charged $35 for the check because it would have been the only thing overdrawn. This is the case all the time. And the result is Chase making thousands of dollars from me. THOUSANDS! On a family that made less then $70,000 last year. So we are not making tons of money here. We are just trying to get by. Living paycheck to paycheck.
If there is anyone that reads this that can help with this situation or is interested in trying to build a case, please contact me.
All these banks getting help from the government, while they've been robbing people like me the whole time, and then the person that's just out here trying to make it paycheck to paycheck is the one paying out the a#@ for their mistakes. I'm so fed up right now. HELP!!!
Desley
Elizabeth, Indiana
U.S.A.
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