 I cant seem to get a payday loan? |
i have applied for hundreds and been denied each time
any advice
Additional Details
i cant find one
any good ... |
|
 Does anyone know where I could get a persona loan with bad credit? |
| I have tried consumer loans, personal loans, and I can't seem to find anyone to give me a loan. Any ideas???... |
|
 Where does the term "401(k)" come from? |
| How did retirement plans come to be called this? As always, links appreciated.... |
|
 Buying a tv from someone who has still to pay balance.? |
| A friend has brought a tv,she still owes £1000 on it which she has to pay in april.She wants to sell the tv to me for £700 and i just really want to know if she didnt pay the final remainder would ... |
|
 I'm 14 and need money? |
| i am 14 and need some money. i am trying ot make 100$ so i can buy some paintball equipment to play. and don't answer somthing like 'mow lawns' or 'do yardwork'. and i cant ... |
|
 Whats the point of the penny? |
| wouldnt we be better off without ... |
|
 How to stop spending so much money? |
| I have been wasting my money for so long that I don't know how to stop. I see money in my bank account and say, what the heck this $10 isn't going to make a difference. But I do that about 1... |
|
 Apparantly I have won the Nigerian lottery, £16m ... I need £25'000 to pay admin fees to release it? |
| I got an email from a very kind, and in my opinion entirely trustworthy Nigerian individual saying I won the Nigerian Lottery. I admit, I didn't buy a ticket, but I guess their lottery system is ... |
|
 A friend is in trouble with there mortgage and needs a loan to clear the arrears..? |
| but has already remorgaged and cant find a company that will approve a loan... any idea's?... |
|
 Does anybody know where I can get a loan for $4500 with bad credit? |
| I need auto repair totaling $4500, and I have bad credit, it is getting back up, but is still isnt very good. I do not want to do a payday loan. Does anybody know where I can get a personal loan?... |
|
 If 2 loans have the same interest rate but one has a higher balance, does it matter which you pay off first? |
| Do you save more interest money by making additional principal payments to the bigger loan, or does it make no difference since the interest rates are identical?? Thanks!... |
|
 First time buyer do you think interest rates are going to rise and any advice for saving? |
| I am in the new yeat going to get finances in order and start saving for a mortgage. Has anyone any advice of how i can save better, no silly answers pls, im looking from the experiences of ither ... |
|
 I want to earn a lot of money on line. how do I do it? |
| How can I earn a lot of money online with very little effort?... |
|
 Debt problems, I don't even know where to begin!!!? |
Hey everyone, I need some help.
I have been looking over my finances and have come to the realization that I have way too much debt!!! I have a few credit cards and some car payments, ... |
|
|  |
apresmelle | Why does Bank of America keeps putting overdraft fees on my account? |
Every time I place money in my account, I use an amount smaller than what I deposited and then the next day I have an overdraft fee if the amount that existed in the account prior to the day I deposited was smaller than what I withdrew...For example, I deposited $46 into my account and used $35. The next day I had an overdraft fee of -$49.50. Then the next day, -$14.50 then the next day -$119 and now today -$154. I am utterly confused, but it's pushing -$200.
I have no idea how this happened and they say they cannot issue me a refund because they issued me a refund of $35 when the balance was at -$14.50... Does anyone else have this issue? What did you do to fix this? This occurs EVERY SINGLE TIME I DEPOSIT MONEY INTO THE ACCOUNT.
Additional Details
I meant to say, why does Bank of America keep*. Sorry about that! :-) |
 |
 
Bite Me
 |
The way you described it, it is very obvious that you spent the money BEFORE it cleared. You can NOT spend it before it has cleared AND posted. That's why you need to follow it on online banking so you can tell when it has cleared and posted before you use it. It continues to accrue fees because you did not correct it the first time. Each day that it is in negative balance a fee is added until it is returned to positive balance. You can be in very serious trouble for that, not to mention throwing away money on fees for no reason. All you have to do is check online (or even ask a teller) to make sure credits have posted and debits have cleared before spending. You just have to keep track in your register and check online daily. You need to learn more about basic finance. They won't issue you a refund because it was your fault it happened. Sometimes they'll do it for a good customer if it's an honest mistake, but this is so simple I doubt they'd do it. Also, you should never cut it that close. There should always be at least a $50 buffer. I always keep at least $100 buffer.
EDIT: Just because money is showing in your account, doesn't mean you have that much to spend. If you spend 25- on Monday, the store may only send in their receipts on Friday. So if you look on Thursday and see 29-, then run out and spend 20-, when the 25- from Monday posts on Friday you'll be in the negative. You can't just assume what is the bank is what you have. You MUST keep a register and write down all debits, then compare online to see what has cleared. If you kept a register, and on Thursday have 29-, you could see the 25- hasn't cleared yet and know you really only have 4-, so you won't spend 5- and overdraft. You can't spend even .01 more then you have. Many accounts even have minimum balances. You may be taking fees for dropping below 100- too frequently. If you aren't adding those fees to your register, you're going over. You may also have other fees. I have a fee-free account, but MANY have monthly fees, charges, negative balance fees, low balance fees, etc. You must find out all fees and add those to your register.
xxx |
|
Anthony G
 |
you have to wait for the funds to clear...
Then you can use the money...
Talk to them and they will get rid of the fees
= |
|
Edna Loves Herb
|
You should close your account asap. |
|
Brittany Ann
|
Bank of America is known for their large amount of fees. Take your money to a local bank. Local banks care more about the customer and focus on their customer service. Whereas B of A is out for the money. I work at a local bank in Washington State and often go bank shopping just to get an idea of the competition. I went to the B of A close to my office, and when I asked for a checking account brochure, they gave me a "Fee Schedule" brochure. It's terrible. Get out of there!! |
|
Paul
 |
Sounds like the money is not being posted to your account before you take it out. Therefore, when you take money, your putting into overdraft. If you have the protection, they are going to always give you the money, but charge you the fee. Perhaps the money is going to your overdraft instead of into the checking or savings account? Or your using unsecured funds that take a day to clear? Something is wrong and it sounds like if it continues, you will be in a big hole. I got fed up years ago with National City and finally after fighting with them to remove charges (that they refused), I told them to stuff the account with the negative balance. They sued me eventually unsuccessfully for he money. Since than (seven years ago) I have only been overdrawn once a my new bank. But they were kindhearted to put me on a program called "Fresh Start". For $20 down, they restored my account to a positive level and let me pay like $20 a month until the overdraft charges were paid off. The way I looked at it, it was an easy way to pay for my so called mistake. Since than, I have never been overdrawn. But it takes a close watch and concentration on all your checks, deposits, and withdrawals. Careful balancing is critical and watch fo uncleared items that might overdraw your account before you make withdrawls also! |
|
eternal student
|
Call them and ask. They will be in the best position to answer your question. My understanding is that B of A overdraft works like a credit card account. So, fees and charges may keep accruing. |
|
Ming
|
you have to wait for the amount to clear before you spend that money. just because you deposit money in the same day doesn't mean it will be immediately available. are you using the debit card to make purchases?
if you must use a card, I recommend you use a creditcard and use your bank of america account to pay the card instead of debit. |
|
MeMom
|
No, but I would open an account at another bank before you close this one. This bank can give you a bad credit rating. I heard similar issues with this bank. |
|
♥ Я·J Bunїї ♥
|
Every time you deposit money, you probably still have pending charges on your account that are not showing up in your balance. That's why people balance their check book. For example, if you go on the bank of america website, and look at your checking balance, it will be different than your AVAILABLE balance.
For example.. Lets say you think you have $2 in your checking. You deposit $40 so you assume you have $42. But you didn't realize there was still that $20 gas purchase you made this morning. So what your really have is $22 not $42 because the purchase hasnt cleared yet. So you spend $30 assuming you still have money left, but you have just overdrafted. And this cycle continues.
I know, it sucks, and it's confusing, I've run up a whoooole bunch of fees, more than you. But when you deposit money, you need to make sure that part of your deposit is not just making up for a pending charge that hasn't cleared yet. Pending charges happen late sometimes because it all depends on when the company you purchased something from submits their card charges so to say as well as when you deposit a check through an ATM it does not clear right away and may take up to 24hrs before apearing in your balance.
If you still think they've done you wrong, then sh*t, throw a fuss, but more than likely you just gotta keep track of the small little $1 & $2 purchases cuz they can really throw you off. And everyone knows, bank of america's overdraft fees are out of this world ridiculous. |
|
sasil85
 |
Well could be a number of things. You might not have overdraft fees at all. You might be looking at your available balance versus your overall balance. Example. Your balance is 20. You have a 100 check you put 50 in and get 50 back. Your account balance now reads -30. This is because the balance you are not taking money from the check you are borrowing it against your available balance. Banks do this in case the check bounces. Then when everything posts your real balance is shown. So you might be freaking over nothing.
Other option is you might be depositing after the business day ends. I think B of A is 2pm. This means you were -20 you put in 100 and your balance reads 80. However the overdraft fee will not post till midnight. So your balance is really more like 50 and not 80. These are all things you must take in consideration.
Other than that without seeing your statements/transaction history I couldn't tell you what is going on. |
|
Wafflecopter
|
anthony G is correct, the funds you added were only on the ledger and the check did not clear yet, thus you cannot remove the money. But if you talk to them about it and threaten to take your business elsewhere, they will submit and take away the over draft fees.
also brittany, I would like to say i've been a bank of america customer for the past 4 years and have never had a fee. |
|
Debra Erics
 |
I would go to the branch and sit with someone and have them go over my account line by line from the time it started happening. The problem could be that you have amounts pending deduction. And that reflects in your balance ....even though the money is not technically really there. And is not a " true" available balance. |
|
Tsunami
|
you need to take charge before it gets worse cause they will not let you bank with them any more if you are not careful. you could have done somethign of mistake or them and if its them you need to get all your papers and get down there and straigthen this out now. |
|
Nick
|
Ok... First, you cannot spend money you do not have available in your account. Even if you deposit and then go spend, the deposit is not available immediately unless it is cash. I takes 1 BUSINESS DAY (not including Saturday, Sunday, or Holidays.) for the amounts of checks to be available. If you receive a hold receipt it says when the funds are available. Next, Overdraft fees post the next day at midnight, after the transaction that overdrew occurred. You need to set up Overdraft Protection so that you do not have to pay the $35 fees. Fee reversals are determined by the computer system. It looks over your account history and determines yes or no if it will reverse the fee. Also, threatening to close your account and go else where, is not going to help your situation. Trust me I know. When a customer tries this line, I am less willing to help because they don't want to be with the bank, so leave that out. Lastly, my advice, go into a Banking Center and talk to a Personal Banker about what is going on and they will figure out some options and may submit some charges for reversal. Maybe a good option for you would be a credit card that you can pay off at the end of the month. All your purchases will be on one and you can send one payment out. Talk to them about that option. Hope I helped you out. |
|
Amanda C
|
call them up and raise hell. and if they dont give you the money back that they stole from you, you'll just have to close your account and go elsewhere. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 3 minutes(s) ago
| | | |
15 | 34 minutes(s) ago
| | | |
15 | 39 minutes(s) ago
| | | |
15 | 52 minutes(s) ago
| | | |
14 | 1 hour(s) ago
| | | |
15 | 2 hour(s) ago
| | | |
15 | 3 hour(s) ago
| | | |
15 | 7 hour(s) ago
| | | |
15 | 8 hour(s) ago
| | | |
7 | 11 hour(s) ago
| |
|
Homepage 
Financial
Forum 
Personal Finance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
