Log in

No account? Create an account

Previous Entry | Next Entry

I am not going to let the morning's events ruin my day. I refuse.

Roho lent me the $50 I was short, and upon speaking with a representative from TCF, I discovered that it was my insurance payment and a check I had written for pizza was what bounced. You see, I had plenty of money to cover the pizza, but when the insurance check came in at the same time, they put the larger one through first.

Upon my complaint that it was a scam to generate more NSF fees, the customer service rep agreed to revoke one of the NSF charges.

That was good news indeed. I was promised that as long as I got my deposit in before 2pm, that my truck payment wouldn't bounce. (Insurance and the pizza check already went through)

However, now that I check my balance, I've noticed that it's down $20. I'm going to wait and see why- they won't show what it was until tomorrow on the online payments, then probably call in the morning demanding to know what's going on.

Again, if you are bank hunting, stay away from TCF. This is the second time they have allowed a post dated check to slide through early, garnering a NSF fee. They know by now that my direct deposit goes in at midnight on Tuesdays. While it's not their job to hold deposits so that they'll clear, anyone concerned about customer service would do so. (I've had banks do that for me in the past)

The fact that they don't offer overdraft protection is another negative. I've never been involved with a bank that is so... ruthless... in their persuit for money. I discovered today that for them to actually put a hold on a check for a certain date, they charge a $30 fee. This is atrocious.

I am going to be getting all my bank debts squared away as quickly as possible so I can move my business elsewhere. Enough is enough.


( 3 comments — Leave a comment )
Jun. 13th, 2002 01:30 pm (UTC)
Hey Kes!

Speaking as someone that worked his way through college by working at a Bank, I can only say they're ALL the same. Those fees etc. etc. blah blah blah that they layer on you are ubiquitous. Most of the charges occur automatically, generated by a computer. Usually if you talk really nice (despite how utterly pissed off you might be) with the person on the phone, you can usually get fees reversed in cases like you've had.

My advice, do what I did. Shop around and join a Credit Union. While they still have fees all over the place, they're usually, at worse, half what a major bank has. The most inconvenient thing you have to deal with is finding ATMs that don't charge fees. But..that's a problem with big banks too, right? Depositing checks can be a pain, especially if a branch isn't near you.

To me, it was a welcomed trade off. Especially if you've got an iffy credit rating. Its much MUCH easier to get loans from a CU if you've been a "good" member for awhile. The flexibility of those loans can't be matched either!

After working at Glendale Federal Bank for nearly three years, I am morbidly entertained how they still can function. If you only KNEW how f**ked up branch operations are on a daily basis!!!

Don't get me started on the Credit Card companies... *fume*...
(Deleted comment)
Jun. 13th, 2002 05:32 pm (UTC)
The unforunate problem with that is, that most credit unions have requirements for membership that I wouldn't qualify for.

I wouldn't even dream of knowing where to begin to find one. :p

Guess I'm just better off waiting til I can get an ALEC account.
Jun. 14th, 2002 09:53 am (UTC)
Bashing the Banks - Canada's Favourite Pastime
In Canada, one of our favourite pastimes [other than hockey and drinking beer (Roho should like that one ;) ) ] is bashing our banks for the high user fees and surcharges that they apply to our money.

I keep a minimum balance of $1,000 in the chequing account so I can avoid having the monthy fees be charged on the account. I haven’t had a banking charge in several years, just because I’ve kept the account above the minimum level.

It’s petrifying to hear how some of the US banks operate (and the one you have in particular, TCF). I’m glad they reversed one of the NSF fees. And I’m very happy and glad that Roho helped you out of your cash flow crunch.

Lanakila ki ki’s softly and nuzzles you warmly with his beak. Keep your chin up, dear Kestral. This awful and sorry week will soon be over. Then you can get those nice cheese curds at the Summerfest you and Roho are thinking about. (Is it this coming weekend, or sometime further in the season?)

Have a good working Friday, my friend!


( 3 comments — Leave a comment )

Latest Month

November 2013
Powered by LiveJournal.com
Designed by Keri Maijala