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.

:Oh crap

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

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.

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

I've gotten nailed by that a couple times, except I paid $5 each.

Why would you untick paper monthly statements ??

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.

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.

What really sucks about Chase is that past statements are only available via pdf.

I was 6 the first time I was tricked by a company

http://4.bp.blogspot.com/_CO0zjjgBW3...ea+Monkeys.jpg

Why sign up for paperless in the first place?

To save trees and unfuck my mail box.

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...

A while back wachovia charged $10 to talk to a live operator....I couldn't fucking believe it.

A lot of enterprises are becoming nothing but tricks.

Ah! Good this isn't just you against CCBill then, cause I http://basic.wikispaces.com/file/vie...0152-heart.png CCbill they are good to me :thumbsup

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.

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.

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 :)

they got a great racket going on. you should start a bank.

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.

wow, you got fucked good :(

they will fuck you hard, fucking bastards

Dayummm, I should donate my leftover lube to you.
Of course I only have 1 milligram left, but even a little bit might help.

:1orglaugh

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.

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

:1orglaugh

My bank did the same thing.

Since you selected paperless statements, why don't you save your statements each month when they email them to you.

WOW that is annoying.

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

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.

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.

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.

maybe you should have read the terms when you chose to get it paperless?

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

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.

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.

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.

My bank does not do this. You can be lucky. My bank says it is not possible.

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

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.

yeah you can print it out and save it though..but sucks to find out the first time