I have a problem with my bank and was wondering if anyone has had something similar happen since the new overdraft protection laws went into effect.
I am pretty good with money, have two jobs and live at home, so I'm never hurting for money. When I opened my second bank account I chose not to opt in to overdraft protection for those reasons, I've seen it screw up too many peoples lives.
Anyway I had a few pay checks around my house and didn't bother to deposit them since I've been busy and hadn't been home in about a week and not worried about my account, I knew if I ran out I'd just be declined. I got declined the other day so my grandmother took my checks in (totalling a pretty substantial amount) and deposited them for me. Card still gets declined so I go to the ATM and check my balance and it's at only 48 dollars. I go home and in the mail I've got a letter saying I have nearly 800 dollars in overdraft fees alone!!!!!
I'm going to the bank tomorrow to try and straighten this out, but I have zero proof that I didn't opt in to overdraft except that my grandmother was there and ironically told me that not getting it wasn't smart. (and this was the reason I dont want it).
Worst of all was that none of my charges that were overdrafted were more than ten dollars. Food and gas was all..... And I had all of this money in checks at my house.
Does anyone think I have a chance of convincing anyone that I didn't opt in to overdraft?
I am pretty good with money, have two jobs and live at home, so I'm never hurting for money. When I opened my second bank account I chose not to opt in to overdraft protection for those reasons, I've seen it screw up too many peoples lives.
Anyway I had a few pay checks around my house and didn't bother to deposit them since I've been busy and hadn't been home in about a week and not worried about my account, I knew if I ran out I'd just be declined. I got declined the other day so my grandmother took my checks in (totalling a pretty substantial amount) and deposited them for me. Card still gets declined so I go to the ATM and check my balance and it's at only 48 dollars. I go home and in the mail I've got a letter saying I have nearly 800 dollars in overdraft fees alone!!!!!
I'm going to the bank tomorrow to try and straighten this out, but I have zero proof that I didn't opt in to overdraft except that my grandmother was there and ironically told me that not getting it wasn't smart. (and this was the reason I dont want it).
Worst of all was that none of my charges that were overdrafted were more than ten dollars. Food and gas was all..... And I had all of this money in checks at my house.
Does anyone think I have a chance of convincing anyone that I didn't opt in to overdraft?