Banks
Overdraft fees

I peruse the boards and I see ALOT of bank complaints.

Not saying that banks never make errors and sometimes reps can be rude (let's not even get into this HAMP issue) BUT...

Why is it a recurring theme that people complain about overdraft fees? Example: " I made my deposit at 5 PM but my checks came in at midnight... They are wrong!" Wah Wah...

I have seen many posters try to re-explain cut-off time to the complaintiff. Afterall, if the check came in at midnight, it was written before the deposit. Simple: Bank roulette with the clock and the customer lost. How is that the bank's fault?

I have had my share of fees I didn't like paying. Maybe some I didn't understand at first. But once I realize it is my fault, I hold myself accountable.instead of spending the time yelling at the bank and whining to others about it, how about taking the time to talk to a rep and ask them to help you understand how to avoid the problem and spend time trying to read and understand how your account/bank operates.

Recurring theme doesn't necessarily mean all the banks are big baddies; it most likely means too many people don't understand and refuse to be accountable for their actions.

With all the new regulations, I look forward to hearing people bitch how their checks didn't get paid (NSF instead of overdrawn) AND get a NSF fee! The government won't excuse that because that is bad checkwriting and it is against the law (can't complain that you made a book keeping error and get a hug). Check your state laws and you will see...

Company: Banks
Country: USA

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