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dr_gonz
Registered: 08/18/03
Posts: 44,654
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#10838236 - 08/11/09 08:27 AM (14 years, 7 months ago) |
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Morgenstern
WHAT!
Registered: 06/07/09
Posts: 6,450
Loc:
Last seen: 7 months, 15 hours
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838254 - 08/11/09 08:30 AM (14 years, 7 months ago) |
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All your monies are belong to me.
-------------------- Admins can't read graphs.
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idiotek
Registered: 02/06/04
Posts: 40,728
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838266 - 08/11/09 08:35 AM (14 years, 7 months ago) |
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If you were responsible with money you wouldn't have such contempt for those things.
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dr_gonz
Registered: 08/18/03
Posts: 44,654
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idiotek
Registered: 02/06/04
Posts: 40,728
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838275 - 08/11/09 08:38 AM (14 years, 7 months ago) |
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LOL, ok, let me change my original statement:
If you knew how to choose a bank that doesn't suck, you wouldn't have so much contempt for it.
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Morgenstern
WHAT!
Registered: 06/07/09
Posts: 6,450
Loc:
Last seen: 7 months, 15 hours
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Re: I fucking hate banks and hate surcharges and hate fees [Re: idiotek]
#10838283 - 08/11/09 08:39 AM (14 years, 7 months ago) |
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I'm pretty sure all banks do that.
Quote:
I'm pretty sure all banks do that.
QFT.
Already saved you the trouble.
-------------------- Admins can't read graphs.
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LobsterSauce
Registered: 11/09/08
Posts: 19,884
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Re: I fucking hate banks and hate surcharges and hate fees [Re: idiotek]
#10838285 - 08/11/09 08:39 AM (14 years, 7 months ago) |
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All banks are cunts.
They are only there to screw you.
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badchad
Mad Scientist
Registered: 03/02/05
Posts: 13,377
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838286 - 08/11/09 08:40 AM (14 years, 7 months ago) |
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Quote:
dr_gonz said: Responsible with money?
They hit me with double fees for withdrawing money from a non member ATM and then another fee for excessive withdrawals OF MY MOTHER FUCKING MONEY.
I'll take a wild guess that such fees were agreed to in a document labeled "terms and conditions".
-------------------- ...the whole experience is (and is as) a profound piece of knowledge. It is an indellible experience; it is forever known. I have known myself in a way I doubt I would have ever occurred except as it did. Smith, P. Bull. Menninger Clinic (1959) 23:20-27; p. 27. ...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely. Osmond, H. Annals, NY Acad Science (1957) 66:418-434; p.436
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dr_gonz
Registered: 08/18/03
Posts: 44,654
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idiotek
Registered: 02/06/04
Posts: 40,728
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838324 - 08/11/09 08:50 AM (14 years, 7 months ago) |
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Everyone knows that all banks charge crazy fees for using other banks' atms, and then THOSE banks will sometimes charge you fees as well. Anyone with half a brain knows to withdraw enough cash before going somewhere that your bank doesn't have any sort of ATM service.
Your anti-bank-establishment attitude is very juvenile.
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AmericanPsycho
Abomination of Nature
Registered: 12/18/06
Posts: 8,501
Loc: Normandy SR2
Last seen: 4 years, 8 hours
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838337 - 08/11/09 08:53 AM (14 years, 7 months ago) |
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Yeah I like their overcharge fee system, pretty cute.
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UnholyChild666
I'M GOD
Registered: 03/26/06
Posts: 8,940
Loc:
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10838338 - 08/11/09 08:53 AM (14 years, 7 months ago) |
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I have never had any problems it's mostly just people who suck. Those who don't use banks and keep all their cash at their home make themselves targets to end up murdered and robbed, but mostly just murdered.
-------------------- "I am the Highest Power the leader of the pack" Actiavte My Dream Sequence Machine GOD of the hologram earth
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unretarded
Tick and poisionoak collector
Registered: 02/20/08
Posts: 4,401
Loc: Cali
Last seen: 8 years, 10 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10839517 - 08/11/09 01:13 PM (14 years, 7 months ago) |
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Quote:
dr_gonz said: You are missing the bigger picture. It's OK though. Half of you probably work for them anyway.
I hope I live to see the day when we operate without money,not credits that replace money...I mean nothing as any type of currency...the sooner money goes away the sooner we move on as humans and start to do some real good in this world.
Money closes the door for so many people ,products and technology it is staggering.It has become a hinderance rather than a enhancer.
-------------------- I love our leaders and the feds ,they are great people and the laws they make help us!
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Silversoul
Rhizome
Registered: 01/01/05
Posts: 23,576
Loc: The Barricades
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Re: I fucking hate banks and hate surcharges and hate fees [Re: unretarded]
#10839586 - 08/11/09 01:25 PM (14 years, 7 months ago) |
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--------------------
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dr_gonz
Registered: 08/18/03
Posts: 44,654
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the bizzle
the joke that no one spoke
Registered: 04/14/09
Posts: 11,870
Loc: :seriousbusiness:
Last seen: 11 years, 1 month
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10839832 - 08/11/09 02:12 PM (14 years, 7 months ago) |
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Quote:
Craig B. says:
I have been doing my business banking with Washington Mutual Bank (and it's predecessors) for 20 years. This afternoon I went to make a large 5 figure deposit and was told the funds would be held for TWO WEEKS. Bear in mind these are GOVERNMENT checks. The branch manager then informed me this was new policy and it could not be over ridden.
When I told them I wanted my deposit items back, they refused... out comes my cell phone... dial 911... "Yes I have just been robbed at a bank"....
Cop cars... lights... sirens...
By now I am telling EVERYONE in the bank exactly what is wrong with this fucking country.
After consulting with a SVP, I got my deposit back, was hand cuffed and led out... (I think the cops wanted me out before the other customers started a riot). I was threatened with making a false police report among other things... guess I will wait and see what the prosecutor decides to do.
Just who do these mother fucking bankers think they are? It is time for the pitchforks and torches.
I am so angry I can barely see straight.
P.S. I am not sure I would have done this in Chicago (I don't trust the CPD that much), but in smaller city Washington I feel it was worth making the statement.
p.s. google search results for "fuck chase bank" : http://www.google.com/search?client=firefox-a&rls=org.mozilla%3Aen-US%3Aofficial&channel=s&hl=en&q=fuck+chase+bank&btnG=Google+Search
-------------------- MY HAIR IS A BIRD YOUR ARGUMENT IS INVALID
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the bizzle
the joke that no one spoke
Registered: 04/14/09
Posts: 11,870
Loc: :seriousbusiness:
Last seen: 11 years, 1 month
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Re: I fucking hate banks and hate surcharges and hate fees *DELETED* [Re: idiotek]
#10839912 - 08/11/09 02:28 PM (14 years, 7 months ago) |
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Post deleted by the bizzleReason for deletion:
-------------------- MY HAIR IS A BIRD YOUR ARGUMENT IS INVALID
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badchad
Mad Scientist
Registered: 03/02/05
Posts: 13,377
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10839990 - 08/11/09 02:41 PM (14 years, 7 months ago) |
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Lots of simple rules here:
1. If you hate banks, don't use them. 2. If you are overdrafting your account, you don't have money. If you don't have money, you don't need a bank account. 3. If you lack the cognitive capacity to understand the "terms and conditions" of something, don't willingly sign up.
-------------------- ...the whole experience is (and is as) a profound piece of knowledge. It is an indellible experience; it is forever known. I have known myself in a way I doubt I would have ever occurred except as it did. Smith, P. Bull. Menninger Clinic (1959) 23:20-27; p. 27. ...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely. Osmond, H. Annals, NY Acad Science (1957) 66:418-434; p.436
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Hypercube
80 SRM
Registered: 12/18/05
Posts: 814
Last seen: 11 years, 2 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: badchad]
#10840050 - 08/11/09 02:52 PM (14 years, 7 months ago) |
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It still baffles me to this day why I should have to PAY some establishment for TAKING ALL MY MONEY and doing what they want with it until I want it back. Blatant absurdity.
Fuck banks, keep your earnings in cash/gold/silver, or just buy things with it.
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Irdamage
Autobot
Registered: 11/19/05
Posts: 1,491
Loc: Canada
Last seen: 7 years, 3 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10840059 - 08/11/09 02:53 PM (14 years, 7 months ago) |
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Quote:
the bizzle said:
Quote:
1d10t3k said: Everyone knows that all banks charge crazy fees for using other banks' atms, and then THOSE banks will sometimes charge you fees as well. Anyone with half a brain knows to withdraw enough cash before going somewhere that your bank doesn't have any sort of ATM service.
Your anti-bank-establishment attitude is very juvenile.
your comments in this thread are fucking bullshit
apparently you never had 80 dollars in your account...for 3 consecutive days...then spend 2 dollars, and wind up -$40, then when you don't have the $40 to pay it within a few days, end up -$70.
Oh yeah, not to mention, if you think you have 3 dollars, buy a stick of bubble gum here, another stick of bubble gum there, and accidentally overdraw...get $15 or more in fees for each separate purchase. "keep track of your money dipshit"...ok...so that means since I'm a dumbass who doesnt meticulously keep track of ONE DOLLAR, that I DESERVE to have to pay 40 bucks for a fucking stick of gum?
There are many reasons why banks are assholes. I guess we should all quit being dumbasses and just accept it? Why don't you go sit in jail for putting coins in your ears, or putting salt on a railroad track, or having more than one missing tooth while smiling, or crossing the minnesota state line with a duck on top of your head...after all, these laws are in writing...it would be you who was the dumbass for not following procedure
Should the bank be held responsible for you not keeping track of your own money and where you withdraw it? If you've had an overdraft, they have actually credited you money in your name which is actually a big favor.
If you don't believe me go out with nothing in your pocket and try and get a person you know only through text communication to loan you $100 without question. Its not a question of whether or not you deserve to be charged, the fact is someone else is giving you money that you don't have and are taking a risk on your ability to pay it back in time, so they can pay THERE bills on time, and actually function as a business.
The point is basically take more interest in what your doing with your money or else you will wind up in the poor house and angry at everyone but yourself.
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whattheheck
Chief Love Lover
Registered: 06/01/07
Posts: 7,380
Loc: Denver Colorado
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Re: I fucking hate banks and hate surcharges and hate fees [Re: idiotek]
#10840083 - 08/11/09 02:57 PM (14 years, 7 months ago) |
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Quote:
1d10t3k said: LOL, ok, let me change my original statement:
If you knew how to choose a bank that doesn't suck, you wouldn't have so much contempt for it.
All banks suck and I have nothing but contempt for all of them and their iniquitous and unjust system. We don't even NEED them, they need US.
-------------------- A society whose whole idea is to eliminate suffering and bring it's members the greatest amount of comfort and pleasure is doomed to be destroyed -Thomas Merton
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the bizzle
the joke that no one spoke
Registered: 04/14/09
Posts: 11,870
Loc: :seriousbusiness:
Last seen: 11 years, 1 month
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Re: I fucking hate banks and hate surcharges and hate fees [Re: Irdamage]
#10840087 - 08/11/09 02:58 PM (14 years, 7 months ago) |
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YOU FUCKERS ARE MISSING THE POINT
if you check your balance every day, and for several days the bank tells you you have a shitload more than you actually do, then you spend a TINY amount and get fucked...I'm sorry, the balance check is there for a reason, so that you can keep track of your money (and keep in mind I said I gave it several days for processing to go through)
credited money on an overdraft? a big favor? so for 25 fucking cents you should have to pay them 20 dollars, and for 3 25cent purchases you owe $60-$80, when they couldn't keep up to date on your balance in the first place?
QUIT SLANDERING BY MISSING THE FUCKING POINT PLEASE
-------------------- MY HAIR IS A BIRD YOUR ARGUMENT IS INVALID
Edited by the bizzle (08/11/09 03:00 PM)
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whattheheck
Chief Love Lover
Registered: 06/01/07
Posts: 7,380
Loc: Denver Colorado
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10840120 - 08/11/09 03:03 PM (14 years, 7 months ago) |
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Yeah, what he said.
-------------------- A society whose whole idea is to eliminate suffering and bring it's members the greatest amount of comfort and pleasure is doomed to be destroyed -Thomas Merton
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Gastronomicus
3-0-G
Registered: 03/31/05
Posts: 9,744
Last seen: 9 hours, 30 minutes
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Re: I fucking hate banks and hate surcharges and hate fees [Re: whattheheck]
#10840136 - 08/11/09 03:05 PM (14 years, 7 months ago) |
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I keep my cash stashed yo. No greasy usurer will get their filthy hands on it again. Nor will I ever pay 200 for a burrito because my bank falsely informed me that I had 10 more dollars then I really had. Fuck that noise.
-------------------- Make my Funk the P Funk, I wants to get Funked up LAGM2024
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dr_gonz
Registered: 08/18/03
Posts: 44,654
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the bizzle
the joke that no one spoke
Registered: 04/14/09
Posts: 11,870
Loc: :seriousbusiness:
Last seen: 11 years, 1 month
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10840233 - 08/11/09 03:19 PM (14 years, 7 months ago) |
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Quote:
dr_gonz said: the next time i get super horny im gonna grease my asshole right proper and then head on over to my local banking branch and ask them to run the longest fucking train on my virgin asshole!!
But didn't you read the terms & conditions?
No greasing allowed...there's an extra fee for that
-------------------- MY HAIR IS A BIRD YOUR ARGUMENT IS INVALID
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moon_glue
Orwell's Post9/11 Era
Registered: 01/20/07
Posts: 2,264
Loc: Earth, today...
Last seen: 9 years, 21 days
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Re: I fucking hate banks and hate surcharges and hate fees [Re: badchad]
#10840245 - 08/11/09 03:20 PM (14 years, 7 months ago) |
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i have worked since i was 15 and have had a bank acount, and checking account since then. i've never had an overdraft fee or any fee because im not a fucking idiot with money. grow the fuck up. banks provide a service that makes it convieniet to pay bills on time and transfer funds. you'll learn this when you grow the fuck up.
you screwed youself idiot.
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Dobie
Dopeless Hopefiend
Registered: 08/15/02
Posts: 52,841
Loc: ON DA BLOCK
Last seen: 7 months, 28 days
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10840280 - 08/11/09 03:25 PM (14 years, 7 months ago) |
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Unless you have alot of money banks are pretty much shit
-------------------- This place is gayer than when the balls touch
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AmericanPsycho
Abomination of Nature
Registered: 12/18/06
Posts: 8,501
Loc: Normandy SR2
Last seen: 4 years, 8 hours
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10840432 - 08/11/09 03:45 PM (14 years, 7 months ago) |
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Quote:
the bizzle said: YOU FUCKERS ARE MISSING THE POINT
if you check your balance every day, and for several days the bank tells you you have a shitload more than you actually do, then you spend a TINY amount and get fucked...I'm sorry, the balance check is there for a reason, so that you can keep track of your money (and keep in mind I said I gave it several days for processing to go through)
credited money on an overdraft? a big favor? so for 25 fucking cents you should have to pay them 20 dollars, and for 3 25cent purchases you owe $60-$80, when they couldn't keep up to date on your balance in the first place?
Yeah that's happened to me a few times.
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Irdamage
Autobot
Registered: 11/19/05
Posts: 1,491
Loc: Canada
Last seen: 7 years, 3 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10840717 - 08/11/09 04:36 PM (14 years, 7 months ago) |
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Quote:
the bizzle said: YOU FUCKERS ARE MISSING THE POINT
if you check your balance every day, and for several days the bank tells you you have a shitload more than you actually do, then you spend a TINY amount and get fucked...I'm sorry, the balance check is there for a reason, so that you can keep track of your money (and keep in mind I said I gave it several days for processing to go through)
credited money on an overdraft? a big favor? so for 25 fucking cents you should have to pay them 20 dollars, and for 3 25cent purchases you owe $60-$80, when they couldn't keep up to date on your balance in the first place?
QUIT SLANDERING BY MISSING THE FUCKING POINT PLEASE
If you don't have an account that allows you to overdraft, and you do, you pay a fee. As far as the rates go, read your contracts before you sign them, they will be stated.
I don't know what kind of bank you use but most these days (unless your transferring thousands of dollars) shouldn't take more than a few minutes to update your account, and online banking gives you no excuse to not know how much is in your account at any moment. If your bank is giving you inaccurate statements it sounds like their providing a shitty service to you and you should switch, you do have options.
Read your contracts before you sign them, and then work within those boundaries or don't sign them at all.
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Taco Chef
I found dead John Cheever
Registered: 03/03/06
Posts: 33,222
Loc: the city of dis
Last seen: 3 years, 9 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: the bizzle]
#10840748 - 08/11/09 04:40 PM (14 years, 7 months ago) |
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banks have also been caught post/pre dating withdrawals so as to maximize penalties. there are times when one is correct in one's book keeping, yet still end up overdraft.
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AlteredAgain
Visual Alchemist
Registered: 04/27/06
Posts: 11,181
Loc: Solar Circuit
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Re: I fucking hate banks and hate surcharges and hate fees [Re: dr_gonz]
#10840827 - 08/11/09 04:55 PM (14 years, 7 months ago) |
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Yeah banks are totally crooked. They will all go down one day.
The only reason I have a checking account is to deposit my paycheck and then I withdraw it all immediately in cash.
Keep a log of each of your expenses so you avoid getting caught in their trap. You've gotta be on top of your own balance. They won't help you.
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Madtowntripper
Sun-Beams out of Cucumbers
Registered: 03/06/03
Posts: 21,287
Loc: The Ocean of Notions
Last seen: 7 months, 21 days
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Re: I fucking hate banks and hate surcharges and hate fees [Re: AlteredAgain]
#10841098 - 08/11/09 05:38 PM (14 years, 7 months ago) |
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Ya'll should try credit union.
I used to bank with Chase and they fucked me over on the regular.
Switched to a local credit union a few years back and not a strange charge yet.
-------------------- After one comes, through contact with it's administrators, no longer to cherish greatly the law as a remedy in abuses, then the bottle becomes a sovereign means of direct action. If you cannot throw it at least you can always drink out of it. - Ernest Hemingway If it is life that you feel you are missing I can tell you where to find it. In the law courts, in business, in government. There is nothing occurring in the streets. Nothing but a dumbshow composed of the helpless and the impotent. -Cormac MacCarthy He who learns must suffer. And even in our sleep pain that cannot forget falls drop by drop upon the heart, and in our own despair, against our will, comes wisdom to us by the awful grace of God. - Aeschylus
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supra
computerEnthusiast
Registered: 10/26/03
Posts: 6,446
Loc: TEXAS
Last seen: 12 years, 11 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: Morgenstern]
#10841185 - 08/11/09 05:54 PM (14 years, 7 months ago) |
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Quote:
Mataspore said: I'm pretty sure all banks do that.
Quote:
I'm pretty sure all banks do that.
QFT.
Already saved you the trouble.
wrong, my bank refunds all ATM fees...and if you got a charge for excessive withdrawls, it was from a savings account, and that is a federal policy passed a few years ago that only allows 3 withdrawals a month from an account with the amount of interest a savings gets (even if it is shitte)
peace
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pfxtc
RUEXP?
Registered: 11/15/08
Posts: 21,166
Loc:
Last seen: 8 years, 6 months
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Re: I fucking hate banks and hate surcharges and hate fees [Re: unretarded]
#10841194 - 08/11/09 05:56 PM (14 years, 7 months ago) |
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Quote:
unretarded said:
Quote:
dr_gonz said: You are missing the bigger picture. It's OK though. Half of you probably work for them anyway.
I hope I live to see the day when we operate without money,not credits that replace money...I mean nothing as any type of currency...the sooner money goes away the sooner we move on as humans and start to do some real good in this world.
Money closes the door for so many people ,products and technology it is staggering.It has become a hinderance rather than a enhancer.
lol
you a funny dude
-------------------- koods said: Young male going by the name "Bassfreak" entered Worcester General complaining of a sharp pain in his buttock region after attending EDM event. Attending physician considered a possible diagnosis of acute rave anus, but upon further investigation it was determined there was nothing cute about patient's anus. Life-long trip report
Edited by pfxtc (08/11/09 05:56 PM)
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the bizzle
the joke that no one spoke
Registered: 04/14/09
Posts: 11,870
Loc: :seriousbusiness:
Last seen: 11 years, 1 month
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Re: I fucking hate banks and hate surcharges and hate fees [Re: Irdamage]
#10841691 - 08/11/09 07:30 PM (14 years, 7 months ago) |
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Quote:
Irdamage said: I don't know what kind of bank you use but most these days (unless your transferring thousands of dollars) shouldn't take more than a few minutes to update your account
CHASE
and by the way, I did have a different bank. Chase bought it.
-------------------- MY HAIR IS A BIRD YOUR ARGUMENT IS INVALID
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