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Nasty surprise

post #1 of 20
Thread Starter 
Today is payday and I have direct deposit. This morning, I pulled up my online banking, to check the amount and almost had a heart attack!

My balance is a big negative. Scrolling through the account, I found that they had posted a check for over $2400.00 instead of $172.00!

Needless to say, I called them right away, to get it corrected. It will take 5-10 days, to fix this and, in the meantime, I am broke! Fortunately, I have only one outstanding check and it is to a friend. I e-mailed her, to ask her to hold it, for a few days. My car payment isn't due until the 24th and the insurance is due, on the 22nd. They should have it fixed, by then.

This is my week to buy groceries, though and we need cat food and litter. Bill will take care of all of that but, I still feel sick about it. They check that they mis-posted was written to him. I checked his account, to see if he was showing extra money but, they posted it properly, to his account. I don't know WHERE they came up with that amount, unless they accidentally posted a check from someone else's account, to mine.

I was going to go Christmas shopping, this weekend. I'm almost ready to cry. I know that this will be fixed but, if it weren't for Bill, I'd be in a big mess, this week. I've got a $20 bill in my wallet and a beer keg of change. There's a few bucks in the savings but, I don't like to touch that. I already pulled most of that, for my car down payment.
post #2 of 20
Yikes! How on earth does something like that happen???

Are you okay Cindy?
post #3 of 20
Cindy that is absolutely horrible. Can the bank give you any money to tide you over until they correct THEIR mistake. What a horrible feeling that must be!
post #4 of 20
Cindy that is horrible!!! And of course all the bank will do is correct it with their apologies. I hope you at least will get back any overdraft fees they charged!
post #5 of 20
Really, 5 - 10 days??? I would be livid. They stole your money. The least they can do is allow you a free overdraft to compenste for the amount that should be there!!!! Why should you go without money because they screwed up?
post #6 of 20
That kind of stuff is why I don't use banks. I had them post 3 car payments in a row to someone else, and got my car repossessed. I was still living at home, and my parents were livid. They thought I had not been making the payments after they cosigned. I didn't even get an apology.
post #7 of 20
CINDY! I am so sorry to hear that...money is such a $@!&%! Just take a couple of deep breaths and everything will be ok. They should give you some kind of loan for what they have caused you! We are here for you to vent, sweetie! Let it all out!
post #8 of 20
Quote:
Originally posted by krazy kat2
That kind of stuff is why I don't use banks. I had them post 3 car payments in a row to someone else, and got my car repossessed. I was still living at home, and my parents were livid. They thought I had not been making the payments after they cosigned. I didn't even get an apology.
That's exactly why I check my account everyday. Too make sure NO ONE is taking advantage of me (even if it is a mistake). We have a budget, and if we become too short, it sucks...
post #9 of 20
Cindy I am sorry to hear this I do hope that your bank is waiving any fees that may be incurred because of their mistake. If not then I would relly consider a change of banks.
post #10 of 20
that's awful! I vote for calling the bank & insisting they credit you - YOU shouldn't have to suffer for the next 5-10 days b/c of THEIR mistake! Good grief!
post #11 of 20
Quote:
Originally posted by blondiecat
Cindy I am sorry to hear this I do hope that your bank is waiving any fees that may be incurred because of their mistake. If not then I would relly consider a change of banks.
DITTO!
post #12 of 20
That's awful. They should give you a credit and then straighten it out themselves. Also they should be waiving NSF charges AND paying the people you wrote checks to for the NSF charges they charge you.
post #13 of 20
Ditto, they should't make you wait that long for their mistake, call the boss of the bank and raise hell!
post #14 of 20
I can empathize with you. You need to get a hold of a manager (in person) and raise all kinds of a stink. You notice they take it out right away, but take forever to get it back.

The management has the power to rectify this immediately, you just have to raise enough he**!!!!


Mike for Clyde
post #15 of 20
Oh Cindy that's horrible! I hope you and Bill will be alright. I am very at your bank. Take care sweetie.
post #16 of 20
OMG, Cindy that's terrible! Banks usually aren't that careless.

This is O.T.
A couple of months ago, I took a bag of some loose change to my bank to be counted by the bank's machine. There was a 10 cent error in the total which was in my favor, and immediately, two additional tellers rushed over to help straighten out the "problem".
post #17 of 20
Thread Starter 
Checked the account, when I got home and they had it fixed, already! There was one NSF fee, for a checkcard charge. I called, right away and they fixed that, too!

This has NEVER happened before. Now, I'd like to know where the $172.00 check is. It has not posted. It is credited to Bill's account. None of my other outstanding checks had hit yet. My Avon guy hasn't put his in yet and the other one just arrived at its destination, today.

Thanks for the support. If Wells Fargo ever does this again, all of my money goes off to the credit union, though.
post #18 of 20
WELLS FARGO!! Oh no! Zack and I joined our accounts when we got married (we both used Wells Fargo). They said that I could keep writing checks from my account because they would clear into the new account until we got the new checks. Well needless to say...they didn't. Oh boy! Was I PO'ed!! So much happened...it was about a week or two when I realized what was going on because I started getting phone calls. We walked right into Wells Fargo and told them what happened. Well, I didn't have account for another 2 weeks, so I had to go to my company's to deposit my paycheck. Needless to say, we closed the account immediatly and now are happily with Washington Mutual. Oh, and don't worry Wells Fargo paid me back for all the charges caused by their mistake, a couple of hundred worth. You are definitly not alone in this situation hun!
post #19 of 20
I'm going thru something similar ever since I did a surrender on my car. My damned credit union has "frozen" our saving and checking account! I went to make a payment on-line on the other car, and it wouldn't let me do any transaction! I cant even use the atm, but get this: I can use my check card w/ the mastercard (mine is a checking/debit card), which they supposedly told me was frozen, too. The manager of loan service department was so rude to me yesterday, I started crying at work. Then, I figured it was not worth it and started cracking up. I'll just go to a regualr bank and open a new checking account and savings with them. Plus, I think I might call an attorney for a free consultation to see what my rights are just in case. What makes it worse is they didnt even notify us to let us know they were going to do this! And, the guy I was dealing with has since left the credit union!.
post #20 of 20
Thread Starter 
My car is financed through BankOne and I'm thinking about opening an account there and having my VA checks direct-deposited, so that I can make my car payments online.

On the other hand, I'm going to try to refi, first of the year, so I may hold off. If the credit union will do the refi, I'll switch the VA over there and have my car payments automatically deducted.

WF charges $6.00 per month for BillPay and I don't have enough bills to make it worthwhile. Actually, the car payment is my only bill. The house and utilities are all in Bill's name.

Now that its fixed, I think that I'll let everything sit, for now.
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