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wtfent · 11-14-2007, 06:31 PM

I know this single young mother that has a new born baby who ask me to borrow some money because the other day Union Bank pretty much robbed her blind and she did not no what else to do. Here is part of the myspace message she sent me. She said it was cool I posted this as long as I did not mention whom it was from. I have my bank with North Island and have my business account with Union Bank so I know first hand what this girl is talking about. Credit Unions are such good banks and Im about to switch my business account to one. Big banks like Union bank are just out to rip off their customers.

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It was friday and I only had $20.15 in my account and I had just deposited my paycheck. I had to buy diapers for my baby so I spent $21.70 on the diapers, I also got some food real quick for $5.45. I realized I forgot the baby formula so I went and spent another $15.27. Now my account was negative $22.27. My rent was also due that day but I knew that would not be a problem because it would not come out until Monday or Tuesday morning. Later that day I took my daughter to the beach and really needed some gas so I got just $10 in gas. Now my account was negative $32.27, not the end of the world.

Monday morning comes along and I look at my bank online and I freaked out. Friday night I also had an Ebay fee come out for $2.00 and a foreign transaction fee of .20 cents from union bank whatever the hell that is. My account should have been negative only $34.47 but I got 6 NSF charges which the bank charged me $180 for so now my account was negative $214.47

Well Tuesday my rent came out and I was short $40 so the bank tried to process it twice and charged me another $60. Now the bank fees are up to $240. Then wednesday I needed more baby formula so I took out $20 out of the ATM which it let me do even though my account was negative and I got another $30 fee. My rent check was then returned and I got a $30 return check fee. Wednesday I also had 3 other small debits for a total of $35.27, one was a check for $15.00 which they tried to process twice but then took it out anyways so I got another $120 in charges then the next day that $15 check was returned and I got another $30 returned check fee so now the fees are at $420.00. My land lord also came to me and said I owe an extra $50 now because my check bounced and was late. Now Im in the hole by $470.00 and I only have half my rent.

So for my $109.89 that I so called borrowed from my bank since I did not have the money in there they made a $420 profit. I feel like I was just robbed.
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Get a bank account at a credit union. Lets boycott union bank, bank of america and wells fargo!!!!! pass this message on PLEASE!!!!!!!!! Maybe we can make a difference so these big banks stop ripping people like this poor young mother off, this is just bullshit.

11-14-2007, 06:31 PM
wtfent Confirmed User Join Date: Nov 2003 Location: San Diego, Cali. baby!!! Posts: 3,790	This story is just way too sad... I know this single young mother that has a new born baby who ask me to borrow some money because the other day Union Bank pretty much robbed her blind and she did not no what else to do. Here is part of the myspace message she sent me. She said it was cool I posted this as long as I did not mention whom it was from. I have my bank with North Island and have my business account with Union Bank so I know first hand what this girl is talking about. Credit Unions are such good banks and Im about to switch my business account to one. Big banks like Union bank are just out to rip off their customers. --------- It was friday and I only had $20.15 in my account and I had just deposited my paycheck. I had to buy diapers for my baby so I spent $21.70 on the diapers, I also got some food real quick for $5.45. I realized I forgot the baby formula so I went and spent another $15.27. Now my account was negative $22.27. My rent was also due that day but I knew that would not be a problem because it would not come out until Monday or Tuesday morning. Later that day I took my daughter to the beach and really needed some gas so I got just $10 in gas. Now my account was negative $32.27, not the end of the world. Monday morning comes along and I look at my bank online and I freaked out. Friday night I also had an Ebay fee come out for $2.00 and a foreign transaction fee of .20 cents from union bank whatever the hell that is. My account should have been negative only $34.47 but I got 6 NSF charges which the bank charged me $180 for so now my account was negative $214.47 Well Tuesday my rent came out and I was short $40 so the bank tried to process it twice and charged me another $60. Now the bank fees are up to $240. Then wednesday I needed more baby formula so I took out $20 out of the ATM which it let me do even though my account was negative and I got another $30 fee. My rent check was then returned and I got a $30 return check fee. Wednesday I also had 3 other small debits for a total of $35.27, one was a check for $15.00 which they tried to process twice but then took it out anyways so I got another $120 in charges then the next day that $15 check was returned and I got another $30 returned check fee so now the fees are at $420.00. My land lord also came to me and said I owe an extra $50 now because my check bounced and was late. Now Im in the hole by $470.00 and I only have half my rent. So for my $109.89 that I so called borrowed from my bank since I did not have the money in there they made a $420 profit. I feel like I was just robbed. --------- Get a bank account at a credit union. Lets boycott union bank, bank of america and wells fargo!!!!! pass this message on PLEASE!!!!!!!!! Maybe we can make a difference so these big banks stop ripping people like this poor young mother off, this is just bullshit.