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Old 02-23-06, 02:43 AM   #1
my58vw
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Bank Fees...

Good morning,

Last week I made a semi large purchace at a store in Los Angeles, 50 miles away (432 dollars) and when there I asked to pay the bill split (cash and "charge" i.e. cash and bank account VISA side). I distinctly remember paying 6 20's, 2 5's and 9 1's... yes I am a pizza delivery girl - and some guys give good tips . I get there and after I had given them the cash they were supose to charge the rest to my account. Well the cashier forget that I paid cash and accidently ran my card through at full price... then had to reverse the charges. After that they charged it again at the proper rate.

I got home and looked at my account and it said I was - 54.23 . Well after freaking out I called the bank and they verified that two charges were placed, blah blah. Well it has been 2 days, I called the original store and they looked through records and show that they never got paid by the card... i.e. the first charge was cnaceled. So now here is the situation...

I have no money, no credit cards and my account shows negative.... yes I know I should have a card but I cut them up about a year ago... much better this way. I am still waiting for the card to reverse the withdrawl. Now here is the big question... should I be hit with any bank fees due to the cards error...? That is when it gets sticky.

If you hacve ever used a bank "credit card" you will notice that they have a very annoying way of delaying payment... with my bank they show up off the unavalable list but do not post for a few days. Well now since the account is negative, some of the small residual charges, for example yesterdays lunch are showing up, and each time they are charging my 25 dollar surcharge for charging when the account goes negative ...

So now who is responsible for the fees when I eventually get the money back? Should I fight the bank, the store who made the mistake, the card company?

Thanks...
Mandy
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Old 02-23-06, 02:54 AM   #2
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Typically when you make a purchase with a bank check card, it can end up showing as more when it's in the 'pending' area. Happens a lot for me when I tip cash, but pay with a card - the pending balance and the actual amount are different...

You should be able to call your bank and let them know what happened, and they should reverse or delete any overdraft charges. I've had that happen before as well.
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Old 02-23-06, 03:06 AM   #3
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What I find now that is annoying is that because of the CC card company error, they left me with NO avalable cash, i.e. I was denied for something as simple as gas... yes I know, but I was left stranded 40 miles from home and had to call a friend to help me out... that is when I first discovered the problem.
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Old 02-23-06, 03:16 AM   #4
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Sorry to hear about your misfortune... I once could not buy gasoline for the same reason, all I needed was an ATM so I could withdraw cash from my savings instead of checking account... or just transfer money from one account to the other. But there was not one anywhere nearby so I was in the same boat as you once.

I don't have any experience with trying to get late charges back from the bank/CC. I know this won't help in the meantime, but does your bank offer overdraft protection if you keep some money in your savings account? I always kept $500 in savings to ensure I never bounced a check (or debit card, in this case).
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Old 02-23-06, 03:32 AM   #5
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They do offer, but as a student I can not reliably keep money in savings right now, maybe in a few months...
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Old 02-23-06, 03:56 AM   #6
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Sorry a bit confused here...
Are you saying you have a credit card, but don't have a savings or debit card because you cut them up a year ago?
If so, why is it better to cut up a savings / debit card and keep the credit card?

BTW, my experience with banks has always been positive in any credit card instances. I'm sure they will fix it all up and waive the charges once all details appear on the records.
I feel for you though for being left with no cash. That is a bummer.
Steve.
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Old 02-23-06, 04:21 AM   #7
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Quote:
Originally Posted by giantcfr1
Sorry a bit confused here...
Are you saying you have a credit card, but don't have a savings or debit card because you cut them up a year ago?
If so, why is it better to cut up a savings / debit card and keep the credit card?

BTW, my experience with banks has always been positive in any credit card instances. I'm sure they will fix it all up and waive the charges once all details appear on the records.
I feel for you though for being left with no cash. That is a bummer.
Steve.
Sorry,

I cut up all my credit cards a year ago. I have a bank card with a "VISA" logo, basically it is an ATM card that can be used like a credit card for purchacing at locations that do not have ATM avalable. Either way the money comes directly out of the account.

Last year I crossed the 5k in debt threshold, and at that time I decieded that I had enough of plastic revolving debt, today it is 2500 dollars less, and I hope to have them paid off in maybe 8 - 9 months (cross my fingers on that one!). I still have a few "merchant cards" but they are rarely used... and can not be used for normal purchaces (i.e. Best Buy, Sam Ash, and Zales).

The problem with the combo ATM/Credit Card is when something goes wrong you can not just ignore the bill, the money is gone until the problem is fixed. I am at the mercy of the Credit Card issuing company, and I hope that it goes through quickly. Right now my parents gave me 10 dollars, that will last all of maybe today, 4 is already gone from breakfast...

Mandy
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Old 02-23-06, 08:09 AM   #8
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Gotcha, I was heading off in the wrong direction with my thoughts.
good on you for reducing your debt by half, keep it up. BTW, I have no idea what Best Buy, Sam Ash, and Zales are. I'm assuming they are grocery stores.
Good Luck,
Steve.

Quote:
Originally Posted by my58vw
Sorry,

I cut up all my credit cards a year ago. I have a bank card with a "VISA" logo, basically it is an ATM card that can be used like a credit card for purchacing at locations that do not have ATM avalable. Either way the money comes directly out of the account.

Last year I crossed the 5k in debt threshold, and at that time I decieded that I had enough of plastic revolving debt, today it is 2500 dollars less, and I hope to have them paid off in maybe 8 - 9 months (cross my fingers on that one!). I still have a few "merchant cards" but they are rarely used... and can not be used for normal purchaces (i.e. Best Buy, Sam Ash, and Zales).

The problem with the combo ATM/Credit Card is when something goes wrong you can not just ignore the bill, the money is gone until the problem is fixed. I am at the mercy of the Credit Card issuing company, and I hope that it goes through quickly. Right now my parents gave me 10 dollars, that will last all of maybe today, 4 is already gone from breakfast...

Mandy
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