What The Heck Happened In My Checking Account ????

[DannyMc]

Yesterday I went to my online banking to check how much money I had avalible to spend , it was $774.00 , I spent $425.49 , which leaves me $349'00 , My pay check this time was $289.00 , now I should have $638.00 all together and waiting the one day for the pay check to deposit , at night when I get home I went back to online banking and it said $23.00 was left and that I was charged twice $425.00 once in California and once in Alabama ($850.00) all together . This mourning I went to online banking and it said avalible cash $208.00 , where is the other $430.00 ? The store I shopped at had problems at their registers . I was told it was the credit card/banking system , the overload of shopping transactions , I took this as something happening nationwide . First I did debit (declined) then was told to do by credit , all I have is a checkcard , so a second time I swiped the card . the second time went through ............. People check your banking statis to see if you have any problems like these . I think all the transactions may have been to much for the system and mistakes were made . I'm going to the bank today to check on whats been going on with my account and will probably land up going back to the store . I will have my receite and an online banking statement with me .

 

[maniactickler]

I hate checking accounts. ill use money orders. i only use my checking account when i have to.

 

[Bugman]

Damn Danny i'm sorry to hear that.Keep after them untill they sort it out.

 

[isabeau]

Danny....check your online banking account again..call the damn card company...make them stop payment on the alabama transaction..and good luck hon...it's their mistake..make them unmistake it now..

 

[DannyMc]

You blondes sure are full of spunk , thanks for the help sweety , and thank you too Brad , and Maniac maybe one day I'll bury my money , well maybe not but you get what I mean . I'm hoping it will turn around and turn out ok , thanks ........

 

[Feathery]

I find it interesting that bank account problems and discrepancies always seem to favor the bank and very rarely the customer.

 

[NeitherSparky]

I remember when we moved out here my brother and I decided to get new checking accounts because our old ones still had our (then deceased) mother's name on them, and both of us being about 30 we felt it was time to change that. 🙂 So we got new accounts and *immediately* a check I didn't write (as I almost never write checks anyways) posted against my account. I was still puzzling over it when a second check that I did not write, larger than the sum of my funds, bounced and I was charged - and then bounced and I was charged again before I finally called (yeah I know, I should have called earlier but I was busy with settling after the move and stuff). Turned out that what had happened was some guy elsewhere had ordered novelty checks and his checking account number had been misprinted, as the account I had just gotten. Pain in the ass. I had to close the account and get yet another one.

 

[giantfan121262]

It appears that the difference is the double charge of $425, and the other $5 is probably a bank charge. In this case you have to call the bank to get the details of the nature of the charges, and take it up with the vendor. You have to be a little of a pain in the ass, but they will reverse the charges eventually and everything should be kosher. If they stick to their guns, take them to small claims court if it's a vendor, and threaten to take your business elsewhere if it's the bank (you didn't specify). $425 is a good chunk of $$.

 

[DannyMc]

I went to the bank yesterday , they said I should wait till Tuesday to see what pending charges will go into the permanent posted ones , only then can I dispute them if their incorrect . I also called the store in California , they have the $425.49 charge on their computer , when I called the store in Alabama they didn't have the $425.49 on their computer . I'm hoping because both debit and credit were used that the computer will recalculate the one charge from the one non charge and put the difference back in my account . If this doesn't happen then I'll go back to the bank and talk with the department that looks into this . I have also put in a call and waiting a responce from the stores corporate office in Texas ......... Covering the bases .........

 

[DannyMc]

Went to my online bankng this mourning , and the $425.49 is back in my account . Seems everytime the card was swiped a deduction and a hold was was made on that amount . If bills are paid via checks or online billing during this situation , and they come up on pending , a deduction of money is taken out for each one and this can land up putting you in the red . ...........( The overdraft I'm entitle to , it seems to cover me to a limit ). ......... If the bank has to transact insufficient funds on every seperate bill , it can add up in several fines for processing fees .............. Get hold of the bank and try to get them taken off by explanation of cicumstances ...........Online banking is a great way day or night to keep up on whats going on in your account/s .............. Keep a watch on the debit/credit card swiping .

 

[isabeau]

Went to my online bankng this mourning , and the $425.49 is back in my account . Seems everytime the card was swiped a deduction and a hold was was made on that amount . If bills are paid via checks or online billing during this situation , and they come up on pending , a deduction of money is taken out for each one and this can land up putting you in the red . ...........( The overdraft I'm entitle to , it seems to cover me to a limit ). ......... If the bank has to transact insufficient funds on every seperate bill , it can add up in several fines for processing fees .............. Get hold of the bank and try to get them taken off by explanation of cicumstances ...........Online banking is a great way day or night to keep up on whats going on in your account/s .............. Keep a watch on the debit/credit card swiping .

yippeeeeeeeeeeeeeeeee i'm so glad Danny...now be careful in the future..and don't shop on Black Friday hehe..seriously Danny..i'm very happy to hear this..i knew how worried you were..

 

[evilwomanhehe]

Be careful about using debit cards at Wal-Mart. The damn machine has a tendancy of double charging you.