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banks are corrupt
46382 cr points
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20 / M / Sweden
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Posted 9/1/14
Earlier today I wanted to buy myself a coke from a local store... But couldn't because the store clerk told me that the transaction wasn't successful. Then I got home, booted up my bank phone app and it said that I had a minus value on my account (basically I owed them money in their eyes). Only thing is, I had money on my account so this shouldn't have happened... So I contacted them and they told me that their bank services costs money and that they've missed to take money from my account and therefore I owe them money because they made a miss.

But the thing is, it clearly said in the contract that their bank services was free until I was 21 years old... So I told them that, and apparently my original contract was invalid because............... Who the f knows!

So basically I'm rather pissed, have anything similar ever happened to you?
Sogno- 
45631 cr points
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Posted 9/1/14
yes. yes they are.

bury yer money in the backyard is the way to go
Posted 9/1/14
No...

It only costs 4$ a month here. And most transactions are free, except for international trans.

If u earn at least $1000 a month it's also free.
Posted 9/1/14 , edited 12/24/14
Posted 9/1/14
There are plenty of free banks. Barclays actually pay you for having an account. Or was it Halifax.
38209 cr points
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22 / F
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Posted 9/1/14
No that hasn't happen to me. Actually I didn't really have a fee or anything for mines at all. However, I always try to keep money in my bank account just in case. It sounds like the bank screwed you over though. Which isn't good. That's not cool though. Maybe you could call them and see if you could work something out. Here where I am, transactions are free unless you go to a bank that is not your own. I highly suggest you talk to your bank again and try to work something out. If that doesn't work you might want to close the bank or do a payment plan.
Banks can be stupid. They just want money. Some of them anyway; not all of them.
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20 / M / Sweden
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Posted 9/1/14 , edited 9/1/14

GayAsianBoy wrote:



Transactions are free, except international transactions for me as well... However, it clearly said in the contract that my account type was going to be free until I turned 21 (I'm 18). And when I tell them this they basically just said that the contract in invalid and out of date.


ulrier wrote:

There are plenty of free banks. Barclays actually pay you for having an account. Or was it Halifax.


Well, the bank I got (Nordea) was suppose to be free until I turned 21 (I'm 18 now)... So yea, the fact that they're doing this is a breach of contract... And that's what's pissing me the f off, also that they want my money... But that's another story.


AlexMillian wrote:



I live in Sweden and there's a law that forces every transaction to be free across all banks. But anyways, this has nothing to do whit transactions. It's basically that they claim that I owe them money since I've not payed them any money for my credit card, that was suppose to be free until I turned 21 (I'm 18 now).
38209 cr points
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22 / F
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Posted 9/1/14


I live in Sweden and there's a law that forces every transaction to be free across all banks. But anyways, this has nothing to do whit transactions. It's basically that they claim that I owe them money since I've not payed them any money for my credit card, that was suppose to be free until I turned 21 (I'm 18 now).


I get what you mean now! You really should talk to them again then! They need to know that you are under age and you should not have to pay. If they fail to comply with this they can get sued. You can talk to a district attorney about it if you have any problems. I'm sure you will be able to find one. Because they could have the wrong person or it could be a scam you know? So you have to be careful.
Gets It.
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32 / M / Raleigh, North Ca...
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Posted 9/1/14
Yep, this has happened quite a few times to me (or similar). There's still a so-called debt of mine with CapitalOne - despite the fact that I had never signed up for a card whatsoever through them. On top of that, I've had a few bank accounts pull that whole "You owe us money because we forgot to charge you." thing. Majority of the contracts that I sign up on are free as long as you're over a certain amount of money in your bank accounts at any given time (usually, this constitutes how much money goes into your account on a monthly basis, but that's not always the case). Once, I had my bank charge me a fair amount because I had split open my account by dividing it up between three different accounts (a feature they offered to me). Because my checking account was lower than my savings, they ended up charging me $30 from the checking account (makes sense, right?).

It is safer to keep your money to yourself, physically. However, that means you're limited as to what you can or cannot do (ie: no internet transactions). I keep playing the game, but it really annoys the heck out of me some times.
35015 cr points
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Posted 9/1/14


What? You mean the private market doesn't run more smoothly and sustainably as you continue to deregulate it, and that private actors can and will act against the interests of both their own firms and their consumers if it's profitable to do so? C'mon, pull the other one. Next you're going to tell me that wealth doesn't trickle down and that the income and wealth gaps are increasing. In what world does neoliberalism destroy the economies it's trying to save?
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Posted 9/1/14 , edited 12/24/14
Credit Unions are the way to go. No greedy share holders to please. A Credit Union is owned by the people who deposit their money into them. You get good treatment, and your money is really taken good care of. All credit unions are better than most banks, but some credit unions are better than other credit unions. So do your research to pick one that's right for you.
Posted 9/1/14

BlueOni wrote:



What? You mean the private market doesn't run more smoothly and sustainably as you continue to deregulate it, and that private actors can and will act against the interests of both their own firms and their consumers if it's profitable to do so? C'mon, pull the other one. Next you're going to tell me that wealth doesn't trickle down and that the income and wealth gaps are increasing. In what world does neoliberalism destroy the economies it's trying to save?




Nico Nico Ni

GerryO 
19624 cr points
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21 / Tyler, Texas
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Posted 9/1/14
Just go with Chase Bank
No transaction fees and only a small monthly fee like $3 (no monthly fee if your a student)
7106 cr points
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23 / M / Somewhere in rura...
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Posted 9/1/14 , edited 9/1/14
I have a Regions student account. They charge fees if you make more than three transactions per month with your savings account, go into overdraft, or if you use another atm for anything (including balance inquiries) (the fee of the atm + their fee of $2.50). As long as you know and play by their rules, it's no more corrupt than any other bank.
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22 / M / Baltimore, Maryland
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Posted 9/1/14 , edited 9/1/14
I've had so much trouble with public banks -- PNC, Capital One. Now I just use my Credit Union that's on base at my work (NRL), so much easier and the contract %'s are way cheaper than public banks.
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