How to get robbed by your bank. Lesson #1

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  • blackmonsters
    Making PHP work
    • Nov 2002
    • 20961
    #1

    How to get robbed by your bank. Lesson #1

    1. First you sign up for online banking.

    2. You click the paperless option for monthly statements.

    3. Then you try to look up 5 years of statements and it's not online.

    4. Then you request the statements be printed for those months.

    5. Then they charge you $2 per statement for a total of $120

    Ok, got it....I sure did.



    If only I was able to cum when getting fucked this good.
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    • Screwed Up
      Confirmed User
      • Aug 2002
      • 1120
      #2
      Banks have all kind of tricks like these. Cell phone companies are also pretty good at it...
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        Comment

        • blackmonsters
          Making PHP work
          • Nov 2002
          • 20961
          #3
          Originally posted by Screwed Up
          Banks have all kind of tricks like these. Cell phone companies are also pretty good at it...
          A lot of American enterprises are becoming nothing but tricks.
          And we wonder why people are broke and have nothing.
          People are not getting anything for their money.

          I'm paying $120 for 60 pieces of paper from the bank.

          I'm going to hand the paper to someone who will review it and then
          throw it away.
          Free Open Source Live Aggregated Cams Script (FOSLACS)

            Comment

            • Rand
              Industry Vet
              • Jan 2002
              • 2663
              #4
              Originally posted by blackmonsters
              A lot of American enterprises are becoming nothing but tricks.
              And we wonder why people are broke and have nothing.
              People are not getting anything for their money.

              I'm paying $120 for 60 pieces of paper from the bank.

              I'm going to hand the paper to someone who will review it and then
              throw it away.

              That totally blows. That data should be forced to be available to you online, or, provided to you for free once annually.
              -- Rand


              Payment Industry - Communications - Quality Assurance

                Comment

                • Sly
                  Let's do some business!
                  • Sep 2004
                  • 31376
                  #5
                  Originally posted by blackmonsters
                  1. First you sign up for online banking.

                  2. You click the paperless option for monthly statements.

                  3. Then you try to look up 5 years of statements and it's not online.

                  4. Then you request the statements be printed for those months.

                  5. Then they charge you $2 per statement for a total of $120

                  Ok, got it....I sure did.



                  If only I was able to cum when getting fucked this good.
                  I've gotten nailed by that a couple times, except I paid $5 each.
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                    • Scott McD
                      Too lazy to set a custom title
                      • Nov 2002
                      • 67798
                      #6
                      Why would you untick paper monthly statements ??


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                        Comment

                        • signupdamnit
                          Confirmed User
                          • Aug 2007
                          • 6697
                          #7
                          Same applies to bills with utility companies or others. In theory they could go back and change a pastbill to show something in their favor. Since you have no legitimate paper copies, what proof will you have otherwise? It's good to always get a paper bill unless there is no chance of there ever being a dispute of some sort and the amount due is always fixed.

                          You don't like my posts? Put me on ignore or fuck right off. I'll say what I want.

                            Comment

                            • babymaker
                              Confirmed User
                              • Jan 2004
                              • 4751
                              #8
                              I am done with US banks, don't know the others, but US banks are all BS scams these days, only problem I had was where to cash checks, all the check cashing places in Phily I tried like a 100 no lie don't cash checks anymore, but I found one close to me that is great and open long hours 6 days a week and charges less than 1%. They also have a visa reloadable card that the fee's are tiny compared to my bank, so now I am done with banks and their bs $35 for nothing overdrafts and other bs. Not like you make any money on the interest unless you have a billion in the bank for months or years at a time anyway.

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                                Comment

                                • Choker
                                  Confirmed User
                                  • Apr 2001
                                  • 9024
                                  #9
                                  Originally posted by blackmonsters
                                  1. First you sign up for online banking.

                                  2. You click the paperless option for monthly statements.

                                  3. Then you try to look up 5 years of statements and it's not online.

                                  4. Then you request the statements be printed for those months.

                                  5. Then they charge you $2 per statement for a total of $120

                                  Ok, got it....I sure did.



                                  If only I was able to cum when getting fucked this good.
                                  What really sucks about Chase is that past statements are only available via pdf.
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                                    Comment

                                    • Bladewire
                                      StraightBro
                                      • Aug 2003
                                      • 56228
                                      #10
                                      Originally posted by blackmonsters
                                      A lot of American enterprises are becoming nothing but tricks.
                                      I was 6 the first time I was tricked by a company



                                      Skype: CallTomNow

                                        Comment

                                        • ottopottomouse
                                          She is ugly, bad luck.
                                          • Jan 2010
                                          • 13177
                                          #11
                                          Why sign up for paperless in the first place?
                                          ↑ see post ↑
                                          13101

                                            Comment

                                            • Rochard
                                              Jägermeister Test Pilot
                                              • Dec 2001
                                              • 75733
                                              #12
                                              Originally posted by Scott McD
                                              Why would you untick paper monthly statements ??
                                              To save trees and unfuck my mail box.
                                              Herschel Savage
                                              Brooklyn, NY

                                                Comment

                                                • SwirlsGirl
                                                  So Fucking Banned
                                                  • Feb 2006
                                                  • 2067
                                                  #13
                                                  Originally posted by babymaker
                                                  I am done with US banks, don't know the others, but US banks are all BS scams these days, only problem I had was where to cash checks, all the check cashing places in Phily I tried like a 100 no lie don't cash checks anymore, but I found one close to me that is great and open long hours 6 days a week and charges less than 1%. They also have a visa reloadable card that the fee's are tiny compared to my bank, so now I am done with banks and their bs $35 for nothing overdrafts and other bs. Not like you make any money on the interest unless you have a billion in the bank for months or years at a time anyway.
                                                  Glad somebody else feels the same frustration as I do literally, I have been in bank warfare mode for the past few months calling them at least 2-3 times a week demanding they put money back in my account. You catch them red handed delaying your transactions, manipulating transaction orders and the brain dead reps are programmed to try and convince you you are not adding your check book up right...

                                                  last month one account.... $600.00 in deposits.... 105.00 dollars in purchases.......$495.00 in fees

                                                  and they try to defend those numbers while they speak for them self.... I spent $105.00 bucks of my money that the bank was holding, and the rest they suck from me in fees!

                                                  If I go in your pocket and take 495.00 of your 600.00 I will be charged with robbery if I survive the ass beating..

                                                  Funny thing is I have multiple neighbors across the street down the street, same side of street, all having negative bank account balances at precisely the same times!

                                                  Sort of like when your billing company allows you 3 days of double digit form submissions and they are immediately followed by 2 days of zero form submissions, no matter what day,month,traffic...

                                                  I tell you all of this shit is rigged, and is becoming more obvious to the astute, even the not so astute are waking up to the fact that banks and financial companies are financially raping the masses...

                                                    Comment

                                                    • thickcash_amo
                                                      Confirmed User
                                                      • Sep 2009
                                                      • 3847
                                                      #14
                                                      A while back wachovia charged $10 to talk to a live operator....I couldn't fucking believe it.

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                                                        • pornmasta
                                                          Too lazy to set a custom title
                                                          • Jun 2006
                                                          • 20016
                                                          #15
                                                          Originally posted by blackmonsters
                                                          A lot of American enterprises are becoming nothing but tricks.

                                                          A lot of enterprises are becoming nothing but tricks.

                                                            Comment

                                                            • Bladewire
                                                              StraightBro
                                                              • Aug 2003
                                                              • 56228
                                                              #16
                                                              Originally posted by SwirlsGirl
                                                              Glad somebody else feels the same frustration as I do literally, I have been in bank warfare mode for the past few months calling them at least 2-3 times a week demanding they put money back in my account. You catch them red handed delaying your transactions, manipulating transaction orders and the brain dead reps are programmed to try and convince you you are not adding your check book up right...
                                                              Ah! Good this isn't just you against CCBill then, cause I CCbill they are good to me


                                                              Skype: CallTomNow

                                                                Comment

                                                                • 2MuchMark
                                                                  Mark of 2Much.net
                                                                  • Aug 2004
                                                                  • 50971
                                                                  #17
                                                                  Originally posted by blackmonsters
                                                                  1. First you sign up for online banking.

                                                                  2. You click the paperless option for monthly statements.

                                                                  3. Then you try to look up 5 years of statements and it's not online.

                                                                  4. Then you request the statements be printed for those months.

                                                                  5. Then they charge you $2 per statement for a total of $120

                                                                  Ok, got it....I sure did.



                                                                  If only I was able to cum when getting fucked this good.

                                                                  Had the same thing almost happen to me once (Citibank). When they told me the price I complained about it, politely. THe original agent was unable to do anything but the supervisor cleared it up right away. We got all of our documents for free.

                                                                    Comment

                                                                    • Sly
                                                                      Let's do some business!
                                                                      • Sep 2004
                                                                      • 31376
                                                                      #18
                                                                      I would recommend a local credit union for those of you that are using national banks and having trouble. Keep the money local, usually get better service as well.
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                                                                        • PornStarToys
                                                                          Confirmed User
                                                                          • Jul 2011
                                                                          • 581
                                                                          #19
                                                                          Or you can just bank with BOA...

                                                                          They hardly have fees for anything.

                                                                          I don't have a saving account anymore because they are a joke, but when I did and was charged fees, BOA always credited me back.

                                                                          Also when I overdrafted, I contacted BOA and they credited me back for the fee.

                                                                          Couldn't be happier
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                                                                            • stinkyfingers
                                                                              Confirmed User
                                                                              • Sep 2007
                                                                              • 657
                                                                              #20
                                                                              they got a great racket going on. you should start a bank.
                                                                              how can i help you today ?

                                                                                Comment

                                                                                • dyna mo
                                                                                  just a fucking jerk
                                                                                  • Dec 2008
                                                                                  • 68184
                                                                                  #21
                                                                                  Originally posted by PornStarToys
                                                                                  Or you can just bank with BOA...

                                                                                  They hardly have fees for anything.

                                                                                  I don't have a saving account anymore because they are a joke, but when I did and was charged fees, BOA always credited me back.

                                                                                  Also when I overdrafted, I contacted BOA and they credited me back for the fee.

                                                                                  Couldn't be happier
                                                                                  i'm kinda with you on this, been with bofa for >decade now and as long as things run smooth, they run smooth. but when there is a hiccup, having to deal with them is a major ordeal.

                                                                                  and i am also concerned with the aig lawsuit, looks like bofa will have to cough up several billion dollars due to scamming aig on bad investment instruments.

                                                                                    Comment

                                                                                    • woj
                                                                                      <&(©¿©)&>
                                                                                      • Jul 2002
                                                                                      • 47882
                                                                                      #22
                                                                                      wow, you got fucked good
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                                                                                        • seeandsee
                                                                                          Check SIG!
                                                                                          • Mar 2006
                                                                                          • 50945
                                                                                          #23
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                                                                                            Comment

                                                                                            • blackmonsters
                                                                                              Making PHP work
                                                                                              • Nov 2002
                                                                                              • 20961
                                                                                              #24
                                                                                              Originally posted by Sly
                                                                                              I've gotten nailed by that a couple times, except I paid $5 each.
                                                                                              Dayummm, I should donate my leftover lube to you.
                                                                                              Of course I only have 1 milligram left, but even a little bit might help.

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                                                                                                Comment

                                                                                                • blackmonsters
                                                                                                  Making PHP work
                                                                                                  • Nov 2002
                                                                                                  • 20961
                                                                                                  #25
                                                                                                  Originally posted by Scott McD
                                                                                                  Why would you untick paper monthly statements ??
                                                                                                  Seemed like a good idea at the time because I never looked at the paper, I just
                                                                                                  went online anyway. This is actually a new thing that I can't go back beyond
                                                                                                  this year.
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                                                                                                    Comment

                                                                                                    • blackmonsters
                                                                                                      Making PHP work
                                                                                                      • Nov 2002
                                                                                                      • 20961
                                                                                                      #26
                                                                                                      Originally posted by Squirtit
                                                                                                      I was 6 the first time I was tricked by a company


                                                                                                      Don't feel bad. I bought those twice when I was 6 because I thought the first
                                                                                                      pack was defective.

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                                                                                                        Comment

                                                                                                        • tommy5tone
                                                                                                          Confirmed User
                                                                                                          • Aug 2011
                                                                                                          • 155
                                                                                                          #27
                                                                                                          My bank did the same thing.

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                                                                                                            Comment

                                                                                                            • potter
                                                                                                              Confirmed User
                                                                                                              • Dec 2004
                                                                                                              • 6559
                                                                                                              #28
                                                                                                              Since you selected paperless statements, why don't you save your statements each month when they email them to you.

                                                                                                                Comment

                                                                                                                • O MARINA
                                                                                                                  I'm clockin' ya, Versace shade watchin' ya
                                                                                                                  • Mar 2003
                                                                                                                  • 13796
                                                                                                                  #29
                                                                                                                  Originally posted by blackmonsters
                                                                                                                  1. First you sign up for online banking.

                                                                                                                  2. You click the paperless option for monthly statements.

                                                                                                                  3. Then you try to look up 5 years of statements and it's not online.

                                                                                                                  4. Then you request the statements be printed for those months.

                                                                                                                  5. Then they charge you $2 per statement for a total of $120

                                                                                                                  Ok, got it....I sure did.

                                                                                                                  .
                                                                                                                  WOW that is annoying.

                                                                                                                  'Hello? Hi Branch manager? Reverse fee's, thanks.'

                                                                                                                    Comment

                                                                                                                    • icymelon
                                                                                                                      Confirmed User
                                                                                                                      • Dec 2007
                                                                                                                      • 3220
                                                                                                                      #30
                                                                                                                      yeah the bank said free checking if you get paperless. then this year they started charging for epay. time to just use the credit union.
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                                                                                                                        Comment

                                                                                                                        • GatorB
                                                                                                                          The Demon & 12clicks
                                                                                                                          • Oct 2001
                                                                                                                          • 18208
                                                                                                                          #31
                                                                                                                          Originally posted by blackmonsters
                                                                                                                          1. First you sign up for online banking.

                                                                                                                          2. You click the paperless option for monthly statements.

                                                                                                                          3. Then you try to look up 5 years of statements and it's not online.

                                                                                                                          4. Then you request the statements be printed for those months.

                                                                                                                          5. Then they charge you $2 per statement for a total of $120

                                                                                                                          Ok, got it....I sure did.



                                                                                                                          If only I was able to cum when getting fucked this good.
                                                                                                                          NOT a trick. My bank at least tells you that they only keep the last 18 months. I'm sure your bank has a similar statement somewhere. Just because you chose to ignore the fine print doesn't mean you got fucked over.

                                                                                                                            Comment

                                                                                                                            • bean-aid
                                                                                                                              So Fucking Banned
                                                                                                                              • Jun 2011
                                                                                                                              • 16493
                                                                                                                              #32
                                                                                                                              Originally posted by SwirlsGirl
                                                                                                                              Glad somebody else feels the same frustration as I do literally, I have been in bank warfare mode for the past few months calling them at least 2-3 times a week demanding they put money back in my account. You catch them red handed delaying your transactions, manipulating transaction orders and the brain dead reps are programmed to try and convince you you are not adding your check book up right...

                                                                                                                              last month one account.... $600.00 in deposits.... 105.00 dollars in purchases.......$495.00 in fees

                                                                                                                              and they try to defend those numbers while they speak for them self.... I spent $105.00 bucks of my money that the bank was holding, and the rest they suck from me in fees!

                                                                                                                              If I go in your pocket and take 495.00 of your 600.00 I will be charged with robbery if I survive the ass beating..

                                                                                                                              Funny thing is I have multiple neighbors across the street down the street, same side of street, all having negative bank account balances at precisely the same times!

                                                                                                                              Sort of like when your billing company allows you 3 days of double digit form submissions and they are immediately followed by 2 days of zero form submissions, no matter what day,month,traffic...

                                                                                                                              I tell you all of this shit is rigged, and is becoming more obvious to the astute, even the not so astute are waking up to the fact that banks and financial companies are financially raping the masses...
                                                                                                                              First off... I know you use tdbank because that is what they do. You obviously went "close" to under as some point and made many transactions in a 2 day period.

                                                                                                                              They (tdbank) used to put all withdraw transactions at the front of the processing... they also would put the largest first... meaning, ...

                                                                                                                              If mortgage or rent for 2,000 hit on the 15th... they would put that first and if your account was less then that it would be in the negative...

                                                                                                                              then...

                                                                                                                              they would suck transactions from the 14th, 15th and 16th and put them before any deposit of money was made during any of that time period. TDBank would easily steal $500 if not more from their total bullshit "covering of funds" policy.

                                                                                                                              Swirlsgirl... you have a point with your local bank... my suggestion is to get hooked up with a credit union that actually cares. I found one in Montgomery county and they are by far the best bank I have dealt with.

                                                                                                                                Comment

                                                                                                                                • IllTestYourGirls
                                                                                                                                  Ah My Balls
                                                                                                                                  • Feb 2007
                                                                                                                                  • 14311
                                                                                                                                  #33
                                                                                                                                  maybe you should have read the terms when you chose to get it paperless?

                                                                                                                                    Comment

                                                                                                                                    • BV
                                                                                                                                      wtf
                                                                                                                                      • Sep 2001
                                                                                                                                      • 10914
                                                                                                                                      #34
                                                                                                                                      Wells Fargo statements are available on line for 7 years back from the current. (if you choose paperless option)

                                                                                                                                      otherwise you could only go back 12 months online

                                                                                                                                        Comment

                                                                                                                                        • epitome
                                                                                                                                          So Fucking Lame
                                                                                                                                          • Jun 2009
                                                                                                                                          • 12156
                                                                                                                                          #35
                                                                                                                                          They retain that data for at least seven years, probably forever.

                                                                                                                                          I still do not understand why it cannot be available online. I should be able to type "target" into the search box and pull up every Target check card transaction ever. Same with check and deposit images.

                                                                                                                                          One thing I do love is the Bank of America search feature (even though it doesn't go back as far as I'd like). You can type just about anything and find what you're looking for.

                                                                                                                                            Comment

                                                                                                                                            • V_RocKs
                                                                                                                                              Damn Right I Kiss Ass!
                                                                                                                                              • Nov 2003
                                                                                                                                              • 32447
                                                                                                                                              #36
                                                                                                                                              download the statements as they come in... or set a reminder on your computer or phone to do so once a year.. or make a list for tax time and put this on it.

                                                                                                                                                Comment

                                                                                                                                                • blackmonsters
                                                                                                                                                  Making PHP work
                                                                                                                                                  • Nov 2002
                                                                                                                                                  • 20961
                                                                                                                                                  #37
                                                                                                                                                  Originally posted by IllTestYourGirls
                                                                                                                                                  maybe you should have read the terms when you chose to get it paperless?
                                                                                                                                                  Maybe you should join my bank and read them yourself since they say absolutely
                                                                                                                                                  nothing about the amount of data available online.

                                                                                                                                                  And if you actually read everything I already posted then you would know that
                                                                                                                                                  when I choose paperless option I was able to go back years online.
                                                                                                                                                  This is a new thing.

                                                                                                                                                  And to those who say why didn't I keep the monthly emailed statements.
                                                                                                                                                  They don't send those.

                                                                                                                                                  Now I could simply print a statement online every month, but didn't know I would
                                                                                                                                                  need to do that.


                                                                                                                                                  Some people will try to find fault with the victim no matter what.
                                                                                                                                                  But reasonable people would consider that $120 is just too much money
                                                                                                                                                  for that service no matter what. To be reasonable a person must have the power
                                                                                                                                                  to reason and that power only exist in a brain and that would be the problem.
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                                                                                                                                                    Comment

                                                                                                                                                    • My Pimp
                                                                                                                                                      Confirmed User
                                                                                                                                                      • May 2003
                                                                                                                                                      • 1201
                                                                                                                                                      #38
                                                                                                                                                      Originally posted by blackmonsters

                                                                                                                                                      4. Then you request the statements be printed for those months.

                                                                                                                                                      5. Then they charge you $2 per statement for a total of $120
                                                                                                                                                      My bank does not do this. You can be lucky. My bank says it is not possible.

                                                                                                                                                        Comment

                                                                                                                                                        • cherrylula
                                                                                                                                                          lol
                                                                                                                                                          • Jan 2002
                                                                                                                                                          • 15969
                                                                                                                                                          #39
                                                                                                                                                          I would never go paperless. Why? They don't charge me less.

                                                                                                                                                          I don't even like auto billing for my utilities. Yeah so something can glitch and I get late fees or shut off, they can suck it. lol

                                                                                                                                                            Comment

                                                                                                                                                            • BlackCrayon
                                                                                                                                                              Too lazy to set a custom title
                                                                                                                                                              • Jun 2003
                                                                                                                                                              • 19634
                                                                                                                                                              #40
                                                                                                                                                              I had a bank charge me 15 dollars per little receipt (the ones they give you at the teller when you're done making a transaction) when I needed them for tax reasons a few years later.
                                                                                                                                                              you don't know you're wearing a leash if you sit by the peg all day..

                                                                                                                                                                Comment

                                                                                                                                                                • Phoenix
                                                                                                                                                                  BACON BACON BACON
                                                                                                                                                                  • Nov 2002
                                                                                                                                                                  • 35475
                                                                                                                                                                  #41
                                                                                                                                                                  yeah you can print it out and save it though..but sucks to find out the first time
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