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The time is now 6:45 am
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April 24, 2024, 11:30 pm
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Banks
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I had the experience of looking at Bank of America (2 different accounts), 2 different customers. In one instance, the bank charged an individual over 300.00 in bank fees by presenting the same item for payment 10 times in a row and the second account had a theft (left card in machine) and the person behind took money out. In that instance for the money taken out, the bank had already charged 25.00 per day for 5 days straight and then on the 6th day charged 35.00. Are the banks making some of the failed mortgages on the backs of the poor? I think so. To continue to charge the individual EVERYDAY for the same item to me is stealing from people. Remember, same bank, different people. Just a word of warning.
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I also left my card in an ATM recently (not at BoA) and got a call from my bank in the morning "Nancy, we have your card." However, I doubt if BoA would do that for a customer. But if you notice next time you use the ATM, after 20 or 30 seconds you get a warning, since too much time has passed and, after that, the card is sucked into the terminal. So if someone in back of this person grabbed it, it had to be within a very short time. After the card comes out of that little slot and the ATM beeps & the lights flash (like...take your &*^% card!!) it sucks it back in for security purposes.
Sorry if I sound controversial, but I find it highly unlikely (or a huge coincidence) that someone right in back of a person just happened to be a thief. Also, after you finish your transaction, that person would have to re-enter your PIN. If someone is stupid enough to use a PIN with a person looking over his shoulder, he deserves to have his card stolen. I know people are going to get angry with me, but I don't think this is a "poor" problem. These are idiot fees. If people can't use common sense or take responsibility for handling their own checking accounts and learn how to use an ATM properly, then they need to turn over their financial matters to a trusted friend or relative. (or as time*treat suggests, stick their money under the mattress) Most banks will immediately clear up any excess or improper fees if it is at fault. Just go in and talk to the manager. Chase charged me a bal transfer fee on a mastercard & I had in my little hands an offer "0% interest, no balance transfer fee." The rep said "it only applies to the first transfer." I offered to email or fax her the offer & told her to show me where the fee was stated. The charge was cleared the next month. Mistakes happen & the last thing any bank wants in this economy is bad publicity.
"Most banks never charge a fee if you maintain the minimum balance required (if any) or bounce a check, etc." I meant to write "unless you don't maintain the min bal or if you bounce a check" Duh. That's it from me! :-)
I agree with you justx. I could never understand how people got caught in a bad mortgage. It's federal law that the lender has to send a HUD statement to a borrower before closing to verify the terms and fees. I think people just didn't bother to read them.
As far as the mortgage crisis goes, many people lost jobs and some were victims of predatory marketing and sales techniques. Many years ago I got into trouble by trusting people. I've also been fooled by tricky car salesmen & sleazy financial advisors. I admit that & I still get depressed. But the homeowners I was referring to are those who lied or stretched the truth about their income and are now complaining the bank was too lenient in their lending practices. There are also plenty of people who knew a rate increase could dramatically affect their payments and just didn't care or think it would happen.
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