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T-Mobile just overdrafted my account, do I have any form of recourse?
    #12373705 -

I've been with t-mobile for over a year now and have had them set up to automatically do an e-check from my checking account for my bill each month.  The bill is due on the 20th of the month and I just looked at my checking statements, they usually take the money out between the 16th and the 20th.  Well this month they took it out friday morning! I get paid tomorrow and my account is in the red right now.  Is there any form of recourse I have against t-mobile? I called customer service and Akhmed basically told me its my responsibility to ensure there is enough money in my checking account. I told him it was their responsibility to not take my money ten days early. I mean, thats 30% of the month!!!  my bank doesn't have 24hr customer service for this kind of issue so I'm screwed on that end till tomorrow. just curious if there is any thing I should do to prepare, or just hope that enough bitching will get the money refunded.
edit: and to make matter's worse, my bill is normally $92 and they withdrew $114.24?!?! WTF?!


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Edited by nismo2491 (04/11/10 04:20 PM)

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Re: T-Mobile just overdrafted my account, do I have any form of recourse? [Re: nismo2491]
    #12374377 -

nismo2491 said:
I've been with t-mobile for over a year now and have had them set up to automatically do an e-check from my checking account for my bill each month.  The bill is due on the 20th of the month and I just looked at my checking statements, they usually take the money out between the 16th and the 20th.  Well this month they took it out friday morning! I get paid tomorrow and my account is in the red right now.  Is there any form of recourse I have against t-mobile? I called customer service and Akhmed basically told me its my responsibility to ensure there is enough money in my checking account. I told him it was their responsibility to not take my money ten days early. I mean, thats 30% of the month!!!  my bank doesn't have 24hr customer service for this kind of issue so I'm screwed on that end till tomorrow. just curious if there is any thing I should do to prepare, or just hope that enough bitching will get the money refunded.
edit: and to make matter's worse, my bill is normally $92 and they withdrew $114.24?!?! WTF?!


nismo2491 said:
I've been with t-mobile for over a year now and have had them set up to automatically do an e-check from my checking account for my bill each month.  The bill is due on the 20th of the month and I just looked at my checking statements, they usually take the money out between the 16th and the 20th.  Well this month they took it out friday morning! I get paid tomorrow and my account is in the red right now.  Is there any form of recourse I have against t-mobile? I called customer service and Akhmed basically told me its my responsibility to ensure there is enough money in my checking account. I told him it was their responsibility to not take my money ten days early. I mean, thats 30% of the month!!!  my bank doesn't have 24hr customer service for this kind of issue so I'm screwed on that end till tomorrow. just curious if there is any thing I should do to prepare, or just hope that enough bitching will get the money refunded.
edit: and to make matter's worse, my bill is normally $92 and they withdrew $114.24?!?! WTF?!


Talk to your bank manager about reversing the charges. You usually have to fill out a form and they ask why on the form or sometimes the manager asks why and tell them that those charges were unauthorized.Its definitely unauthorized if it isnt the amount thats due and especially if its not charged during the specified time period that it's supposed to be charged. This usually absolves you of any overdraft fees as well.

Ive had issues with companies pulling similar BS and Ive won every time by doing what I outlined above.

Most bank managers are pretty friendly and will side with you as they see this sort of issues with companies often.All the bank managers Ive ever dealt with were pretty cool people.It doesnt take much time to do either and most companies wont contest it. At the least it will save your ass and buy you time until your check arrives and then just pay whats due and you're gold.


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Re: T-Mobile just overdrafted my account, do I have any form of recourse? [Re: nismo2491]
    #12390802 -

Stop authorizing automatic access to your bank account.  Cancel all of them.  Nobody gets to my account without a court order.


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Re: T-Mobile just overdrafted my account, do I have any form of recourse? [Re: nismo2491]
    #12391081 -

nismo2491 said:
I've been with t-mobile for over a year now and have had them set up to automatically do an e-check from my checking account for my bill each month.  The bill is due on the 20th of the month and I just looked at my checking statements, they usually take the money out between the 16th and the 20th.  Well this month they took it out friday morning! I get paid tomorrow and my account is in the red right now.  Is there any form of recourse I have against t-mobile? I called customer service and Akhmed basically told me its my responsibility to ensure there is enough money in my checking account. I told him it was their responsibility to not take my money ten days early. I mean, thats 30% of the month!!!  my bank doesn't have 24hr customer service for this kind of issue so I'm screwed on that end till tomorrow. just curious if there is any thing I should do to prepare, or just hope that enough bitching will get the money refunded.
edit: and to make matter's worse, my bill is normally $92 and they withdrew $114.24?!?! WTF?!


When you sign up for auto draft from an account, you typically agree to a ton of concessions in the fine print. I'm sure when the money is drafted from your account is covered in it. You should probably find and read the agreement. That will let you know if you will have any recourse.

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General Interest > Money Matters
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