Complaint Review: Wells Fargo Bank N.A. - Las Vegas Nevada

'Google' this- RIP OFF REPORT TOYOTA AND GULF STATES TOYOTA LEMON, and sing the 'Toyota Christmas Song' to the tune of that all-time favorite: 'Hark The Herald Angels Sing', which was posted right here at Ripoffreport.com on November 8th 2007. Pay attention to the last two lines of that song. The STOCK MARKET CRASH was accurately predicted well before it took place in late 2008, wasn't it? Here are the last two lines of that song- Call our lawyers give them cash The stock market is about to CRASH! P.S. Don't forget to 'Google' & watch all of the following on the web- THE ASCENT OF MONEY PBS THE OBAMA DECEPTION INSIDE THE MELTDOWN AMERICA: FREEDOM TO FASCISM 9/11 PRESS FOR TRUTH FRONTLINE THE MADOFF AFFAIR FRONTLINE BREAKING THE BANK PBS DID SPECULATION FUEL OIL PRICE SWINGS CHINA INVESTMENT AN OPEN BOOK YOUTUBE CONDOLEEZZA RICE LIAR BUSH'S WAR Thank you. *I'm Karl, and I approve this Update! POWER TO THE PEOPLE

it certainly seems as though the U.S. economy, or much of it, could be considered to be one GIANT PONZI SCHEME, wouldn't you agree? The only difference is that in a PONZI SCHEME the money comes from people who have it, and are willing to hand it over to the ones in charge (not knowing it's a PONZI SCHEME), but in the GIANT PONZI SCHEME (the U.S. economy) it's a bit different because the money needed to sustain it comes from TAXPAYERS who didn't even have the money in the first place, right? In the GIANT PONZI SCHEME the money had to be created out of THIN AIR, didn't it? And then that money was injected back into the many Publicly Held Banks, Investment Banks, AIG, GM, Chrysler, Freddie Mac, Fannie Mae........ & now the American PEOPLE have all been given a new DEBT, correct? According to a report on the McGlaughlin Group earlier this year, the quote: 'TOTAL TAXPAYER OUTLAY FROM MARCH 2008 TO MARCH 2009 WAS $5.32 TRILLION.' There are about 304 MILLION people living in the USA right now. If you divide 304 MILLION by 4.3 people per household you will come up with about 70 MILLION households in the USA, right? If you divide $5.32 TRILLION by 70 MILLION you will come up with $76,000.00, correct? That means that EACH HOUSEHOLD was given a NEW DEBT of $76,000 in that one year period from March 2008 to March 2009, wouldn't you agree? I hope that the GIANT PONZI SCHEME (which I believe to be taking place in the USA) works out and doesn't turn out like the one Bernard Madoff was operating, don't you? P.S. Make sure to 'Google' & watch all of the following on the web- THE ASCENT OF MONEY PBS THE OBAMA DECEPTION INSIDE THE MELTDOWN FRONTLINE THE MADOFF AFFAIR (This is about the PONZI SCHEME Mr. Madoff was operating) 9/11 PRESS FOR TRUTH DID SPECULATION FUEL OIL PRICE SWINGS AMERICA: FREEDOM TO FASCISM Thank you. *I'm Karl, and I approve this Update! POWER TO THE PEOPLE

Edward, the basis for the dismissal by the judge indicated the class failed to not only prove damages, but they could not prove there was some exercise of due care on their part. The other class that has yet to be ruled upon is going to have the same problems regardless of whatever previous cases are cited if the RORs posted here are any indication. In other words, the judge in this new case is essentially setting the standard by which the classes must prove before the case can even proceed forward and if the other class is also summarily decertified, then the basis for any lawsuit must include proof that every member of the class exercised some reasonable level of due care, which involves all of the things many of us advocate to others. The truth is, if people exercise a reasonable amount of due care, then the likelihood of overdraft is going to be pretty minimal. I think what the judge is looking for is IF the consumer did EVERYTHING they should and they still got taken for fees, then there's a problem and would rule for the class. However, if the class universally relied on faulty methods to track their account information - then I can't see how a court would reward a class for being negligent. That's really the issue here.

'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read the article NOW! WHAT A COMPLETE JOKE THIS COUNTRY, & OUR ECONOMY HAS TURNED OUT TO BE, huh? 'Google' this- PONZI SCHEME, and read the definition at the Wikipedia site. It certainly seems as though our entire economy is nothing but one big PONZI SCHEME after reading that definition, wouldn't you agree? Most of the $700 BILLION in 'TARP' money was injected into banks, AIG, GM, Chrysler, Fannie Mae, & Freddie Mac, wasn't it? WELCOME TO AMERICA- IN FRAUD WE TRUST! P.S. Don't forget to 'Google' all of the following & watch them on the web- THE ASCENT OF MONEY PBS AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR INSIDE THE MELTDOWN DID SPECULATION FUEL OIL PRICE SWINGS THE OBAMA DECEPTION Thank you.

'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read the article NOW! WHAT A COMPLETE JOKE THIS COUNTRY, & OUR ECONOMY HAS TURNED OUT TO BE, huh? 'Google' this- PONZI SCHEME, and read the definition at the Wikipedia site. It certainly seems as though our entire economy is nothing but one big PONZI SCHEME after reading that definition, wouldn't you agree? Most of the $700 BILLION in 'TARP' money was injected into banks, AIG, GM, Chrysler, Fannie Mae, & Freddie Mac, wasn't it? WELCOME TO AMERICA- IN FRAUD WE TRUST! P.S. Don't forget to 'Google' all of the following & watch them on the web- THE ASCENT OF MONEY PBS AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR INSIDE THE MELTDOWN DID SPECULATION FUEL OIL PRICE SWINGS THE OBAMA DECEPTION Thank you.

'Google' this- 3 NEW JERSEY MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read the article NOW! WHAT A COMPLETE JOKE THIS COUNTRY, & OUR ECONOMY HAS TURNED OUT TO BE, huh? 'Google' this- PONZI SCHEME, and read the definition at the Wikipedia site. It certainly seems as though our entire economy is nothing but one big PONZI SCHEME after reading that definition, wouldn't you agree? Most of the $700 BILLION in 'TARP' money was injected into banks, AIG, GM, Chrysler, Fannie Mae, & Freddie Mac, wasn't it? WELCOME TO AMERICA- IN FRAUD WE TRUST! P.S. Don't forget to 'Google' all of the following & watch them on the web- THE ASCENT OF MONEY PBS AMERICA: FREEDOM TO FASCISM FRONTLINE THE MADOFF AFFAIR INSIDE THE MELTDOWN DID SPECULATION FUEL OIL PRICE SWINGS THE OBAMA DECEPTION Thank you.

Jim, a couple of points of clarification. While it's true the court decertified the 'including and deleting' class, I'm sure you're well aware the court stated this has no bearing on the individual suit by the plaintiff or any other customers. In other words, the class decertification in no way implies not guilty for Wells Fargo. But more importantly the focus is now on the remaining class which has not been decertified. Hold your horses on this one receiving the same fate because there's a BIG difference with this plaintiff's case. In response to your claim about the customer accountability, in this 'resequencing' class, the plaintiff: 'Gutierrez opened a checking account in October 2002 when she was eighteen. She also opened a savings account for overdraft protection. According to Gutierrez, she would regularly check her statements to make sure they were in line with her own records of her transactions...For four years, she maintained her account without incurring any overdraft fees.' That seems like a customer who's fairly accountable to me. Indications are the court agrees and this is possibly ONE reason this class hasn't been decertified yet. Another possible reason for the lack of decertification? The Summary Judgement by the court REFERENCES the recent White vs Wachovia case where that court 'declined to dismiss the plaintiffs claims'. Uh oh Jim. That cannot be considered a good sign of things to come.

Jim, a couple of points of clarification. While it's true the court decertified the 'including and deleting' class, I'm sure you're well aware the court stated this has no bearing on the individual suit by the plaintiff or any other customers. In other words, the class decertification in no way implies not guilty for Wells Fargo. But more importantly the focus is now on the remaining class which has not been decertified. Hold your horses on this one receiving the same fate because there's a BIG difference with this plaintiff's case. In response to your claim about the customer accountability, in this 'resequencing' class, the plaintiff: 'Gutierrez opened a checking account in October 2002 when she was eighteen. She also opened a savings account for overdraft protection. According to Gutierrez, she would regularly check her statements to make sure they were in line with her own records of her transactions...For four years, she maintained her account without incurring any overdraft fees.' That seems like a customer who's fairly accountable to me. Indications are the court agrees and this is possibly ONE reason this class hasn't been decertified yet. Another possible reason for the lack of decertification? The Summary Judgement by the court REFERENCES the recent White vs Wachovia case where that court 'declined to dismiss the plaintiffs claims'. Uh oh Jim. That cannot be considered a good sign of things to come.

Jim, a couple of points of clarification. While it's true the court decertified the 'including and deleting' class, I'm sure you're well aware the court stated this has no bearing on the individual suit by the plaintiff or any other customers. In other words, the class decertification in no way implies not guilty for Wells Fargo. But more importantly the focus is now on the remaining class which has not been decertified. Hold your horses on this one receiving the same fate because there's a BIG difference with this plaintiff's case. In response to your claim about the customer accountability, in this 'resequencing' class, the plaintiff: 'Gutierrez opened a checking account in October 2002 when she was eighteen. She also opened a savings account for overdraft protection. According to Gutierrez, she would regularly check her statements to make sure they were in line with her own records of her transactions...For four years, she maintained her account without incurring any overdraft fees.' That seems like a customer who's fairly accountable to me. Indications are the court agrees and this is possibly ONE reason this class hasn't been decertified yet. Another possible reason for the lack of decertification? The Summary Judgement by the court REFERENCES the recent White vs Wachovia case where that court 'declined to dismiss the plaintiffs claims'. Uh oh Jim. That cannot be considered a good sign of things to come.

Jim, a couple of points of clarification. While it's true the court decertified the 'including and deleting' class, I'm sure you're well aware the court stated this has no bearing on the individual suit by the plaintiff or any other customers. In other words, the class decertification in no way implies not guilty for Wells Fargo. But more importantly the focus is now on the remaining class which has not been decertified. Hold your horses on this one receiving the same fate because there's a BIG difference with this plaintiff's case. In response to your claim about the customer accountability, in this 'resequencing' class, the plaintiff: 'Gutierrez opened a checking account in October 2002 when she was eighteen. She also opened a savings account for overdraft protection. According to Gutierrez, she would regularly check her statements to make sure they were in line with her own records of her transactions...For four years, she maintained her account without incurring any overdraft fees.' That seems like a customer who's fairly accountable to me. Indications are the court agrees and this is possibly ONE reason this class hasn't been decertified yet. Another possible reason for the lack of decertification? The Summary Judgement by the court REFERENCES the recent White vs Wachovia case where that court 'declined to dismiss the plaintiffs claims'. Uh oh Jim. That cannot be considered a good sign of things to come.

Wells Fargo....amazing. In the case of Gutierrez vs. WFB, there were 2 classes suing the bank; one class for "resequencing" and the other for "including and deleting (transactions)." The court just decertified the including and deleting class in May 2009 indicating the customer had not done enough to show that they were harmed as a result of the removal and reappearing of debits. The court, in a manner of speaking, indicated the customer class failed to be accountable for his/her own actions. I figured this class had a better chance of winning than the other class, but if the court uses a customer accountability test.....the other class will also be decertified as well. Interesting case to watch because the court may rule resequenncing legal if the disclsoures were adequate......if it gets that far.

'If you want to kiss the sky, you better learn how to kneel...ON YOUR KNEES BOY!' - Bono, from the rock & roll band- U2 You can 'Google' this- YOUTUBE U2 MYSTERIOUS WAYS, and watch that video on the web! P.S. Don't forget to 'Google' & watch the following documentary on the web- THE ASCENT OF MONEY PBS Thank you.

So now we have a battle of wits between Andromeda and Karl? LMFAO! It seems that the troll trolled for a troll and landed a big one! If I laugh any harder, I'm gonna wet my pants. ROTFLMAO!

let the bankers continue to create money and control credit.' - Josiah Stamp, director of the Bank of England. Don't forget to 'Google' this- THE ASCENT OF MONEY PBS, and watch that documentary on the web. 'Knowledge is POWER.' 'POWER is knowledge.' POWER TO THE PEOPLE

Why don't you use all that world class gag ability to help with the SPECIFIC problem BELOW? Edgman and others have helped the author. Help Help Get it? Now try it again. 'We have a small business account with Wells Fargo. This week I knew our balance was getting low and my schedule doesn't allow me to get away to make a deposit in person. I tried to make a deposit at an ATM but the card was locked out because the account was already overdrawn. I had to wait until Saturday to go to a branch to make a deposit in person. By this time the account had been charged $285.00 in overlimit fees. If I tried to prevent my customers from making payments so I could charge them fees I would be in jail for fraud. Why are these guys allowed to stay in business? Stay away from Wells Fargo they are an evil, dishonest, and horrible company to do business with. Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public. Wells fargo victim Las Vegas, Nevada U.S.A.' Can't do it can you!

FRAUD, CORRUPTION, DECEPTION, LIES, GREED, TRICKERY, MANIPULATION & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE OF THIS COUNTRY, & OTHER COUNTRIES. It's that simple! If you read 'FIX AMERICA POEM' which can be found by 'Googling' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, you can clearly see that in that poem it states this- Quote: 'The big shots keep cashing in stock. A CRASH is soon coming, I fear.' Look at when that poem was posted!!! It came TRUE, didn't it? The stock market closed as low as 6,547 on March 9th 2009, right? It went from 14,000 on July 19th 2007 to 14,164 on October 9th 2007 to where it is now! TRILLIONS of dollars have been LOST in the stock market. Some of it was American's RETIREMENTS, wasn't it? And on September 3rd of 2007, I alerted ANYONE who read Betty's Rip Off Report of- Quote: 'The Collapse of the U.S. economy is in its infancy. Get all of your money out of the stock market and cash in your retirement NOW!' - 9/3/2007 It came TRUE, didn't it? 'Google' this for proof- RIP OFF REPORT GM CREDIT CARD SERVICES, and read the '1st Update' to Betty's Rip Off Report. Our ENTIRE SYSTEM in America is based on those elements above, (FRAUD, CORRUPTION, DECEPTION......) and our POLITICIANS are doing EVERYTHING they can to PROTECT the ones who are RESPONSIBLE for the many problems in this country. Our LEGAL SYSTEM is CORRUPT also! And so is the MAINSTREAM MEDIA! There is NO LEADERSHIP in this country anymore! We're the MOST CORRUPT country on the earth. Our 'leaders' believe in protecting the ones who FINANCIALLY INJURE the innocent! THE COLLAPSE HAS BEEN TRIGGERED!

Businessweek.com and then navigate to where it says- 'HOME'. Then the 'In Your Face' section will appear. Click on- 'In Your Face'. Then go down to the 'ARCHIVES' and click on it. Then scroll all the way back to MARCH 10 of 2008 and you'll see this- Karl: 'Credit Where Blame Is Due'. Click on it and I'll be- IN YOUR FACE! Or simply scroll down to the May 27 2009 where it says this- Karl: 'No Confidence Vote For Detroit'. Click on it and I'll be- IN YOUR FACE AGAIN! You see, BusinessWeek changed their format a few weeks ago, but I'm still there. Have a nice summer. P.S. By the way, 'FED POEM' is what made me an 'In Your Face' member back in March of 2008. You can read 'FED POEM' at the Businessweek site, or simply 'Google' this- RIP OFF REPORT TOYOTA MOTOR CORPORATION USA MANIPULATION, and it appears in the 'Updates' section along with two other poems. Thank you.

I thought you were a world famous! You told us you were in Report: #354721 where you were trying to outclass 'RIENDLY HELP' with your own credentials as follows: Report: #354721 Karl Highlands Ranch, Colorado U.S.A. "WHERE IS YOUR FACE, FRIENDLY HELP????? I can't find your FACE anywhere, Friendly Help??? You can see mine by simply going to businessweek.com and then clicking on the 'In Your Face' section at their Home Page, and then going to 'Page 9'. I believe I'm the 2nd FACE!!! My contributions to the world are the MANY poems that I've written that are ALL TRUE!!" Why don't you use all that world class ability to help with the SPECIFIC problem BELOW? Edgman and others have helped the author. Help Help Get it? Now try it again. Show us how you got your picture in with the worlds best! "We have a small business account with Wells Fargo. This week I knew our balance was getting low and my schedule doesn't allow me to get away to make a deposit in person. I tried to make a deposit at an ATM but the card was locked out because the account was already overdrawn. I had to wait until Saturday to go to a branch to make a deposit in person. By this time the account had been charged $285.00 in overlimit fees. If I tried to prevent my customers from making payments so I could charge them fees I would be in jail for fraud. Why are these guys allowed to stay in business? Stay away from Wells Fargo they are an evil, dishonest, and horrible company to do business with. Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public. Wells fargo victim Las Vegas, Nevada U.S.A." Can't do it can you!

I thought you were a world famous! You told us you were in Report: #354721 where you were trying to outclass 'RIENDLY HELP' with your own credentials as follows: Report: #354721 Karl Highlands Ranch, Colorado U.S.A. "WHERE IS YOUR FACE, FRIENDLY HELP????? I can't find your FACE anywhere, Friendly Help??? You can see mine by simply going to businessweek.com and then clicking on the 'In Your Face' section at their Home Page, and then going to 'Page 9'. I believe I'm the 2nd FACE!!! My contributions to the world are the MANY poems that I've written that are ALL TRUE!!" Why don't you use all that world class ability to help with the SPECIFIC problem BELOW? Edgman and others have helped the author. Help Help Get it? Now try it again. Show us how you got your picture in with the worlds best! "We have a small business account with Wells Fargo. This week I knew our balance was getting low and my schedule doesn't allow me to get away to make a deposit in person. I tried to make a deposit at an ATM but the card was locked out because the account was already overdrawn. I had to wait until Saturday to go to a branch to make a deposit in person. By this time the account had been charged $285.00 in overlimit fees. If I tried to prevent my customers from making payments so I could charge them fees I would be in jail for fraud. Why are these guys allowed to stay in business? Stay away from Wells Fargo they are an evil, dishonest, and horrible company to do business with. Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public. Wells fargo victim Las Vegas, Nevada U.S.A." Can't do it can you!

I thought you were a world famous! You told us you were in Report: #354721 where you were trying to outclass 'RIENDLY HELP' with your own credentials as follows: Report: #354721 Karl Highlands Ranch, Colorado U.S.A. "WHERE IS YOUR FACE, FRIENDLY HELP????? I can't find your FACE anywhere, Friendly Help??? You can see mine by simply going to businessweek.com and then clicking on the 'In Your Face' section at their Home Page, and then going to 'Page 9'. I believe I'm the 2nd FACE!!! My contributions to the world are the MANY poems that I've written that are ALL TRUE!!" Why don't you use all that world class ability to help with the SPECIFIC problem BELOW? Edgman and others have helped the author. Help Help Get it? Now try it again. Show us how you got your picture in with the worlds best! "We have a small business account with Wells Fargo. This week I knew our balance was getting low and my schedule doesn't allow me to get away to make a deposit in person. I tried to make a deposit at an ATM but the card was locked out because the account was already overdrawn. I had to wait until Saturday to go to a branch to make a deposit in person. By this time the account had been charged $285.00 in overlimit fees. If I tried to prevent my customers from making payments so I could charge them fees I would be in jail for fraud. Why are these guys allowed to stay in business? Stay away from Wells Fargo they are an evil, dishonest, and horrible company to do business with. Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public. Wells fargo victim Las Vegas, Nevada U.S.A." Can't do it can you!

I thought you were a world famous! You told us you were in Report: #354721 where you were trying to outclass 'RIENDLY HELP' with your own credentials as follows: Report: #354721 Karl Highlands Ranch, Colorado U.S.A. "WHERE IS YOUR FACE, FRIENDLY HELP????? I can't find your FACE anywhere, Friendly Help??? You can see mine by simply going to businessweek.com and then clicking on the 'In Your Face' section at their Home Page, and then going to 'Page 9'. I believe I'm the 2nd FACE!!! My contributions to the world are the MANY poems that I've written that are ALL TRUE!!" Why don't you use all that world class ability to help with the SPECIFIC problem BELOW? Edgman and others have helped the author. Help Help Get it? Now try it again. Show us how you got your picture in with the worlds best! "We have a small business account with Wells Fargo. This week I knew our balance was getting low and my schedule doesn't allow me to get away to make a deposit in person. I tried to make a deposit at an ATM but the card was locked out because the account was already overdrawn. I had to wait until Saturday to go to a branch to make a deposit in person. By this time the account had been charged $285.00 in overlimit fees. If I tried to prevent my customers from making payments so I could charge them fees I would be in jail for fraud. Why are these guys allowed to stay in business? Stay away from Wells Fargo they are an evil, dishonest, and horrible company to do business with. Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public. Wells fargo victim Las Vegas, Nevada U.S.A." Can't do it can you!

'Google' this- THE ASCENT OF MONEY PBS, and watch that documentary that aired on the PBS station last night. It will allow you to maintain the 'EDGE'. After you watch it on the web, make sure to read Dr. Mandelstamm's quote again, and read the entire passage entitled- 'The Talmud And The Ghettoes'. Simply 'Google' this- DR MANDELSTAMM OF KIEFF, and read the passage that starts on 'Page 88'. I'm sure you know that Dr. Mandelstamm's quote appears on 'Page 94' of that passage, correct? Have a great summer! P.S. make sure to 'Google' & watch the following- FRONTLINE THE MADOFF AFFAIR

'Google' this- THE SCORE BY RUDY STANKO, and go to the amazon.com site and read the 3 reviews on that book! Look what Sagebrush of Montana said- QUOTE: 'The international bankers are America's worst night mare.' It came TRUE, didn't it? That quote was made well before the COLLAPSE of our BANKING SYSTEM in America, correct? 'Google' this- INSIDE THE MELTDOWN, and watch that Frontline documentary on the web! It will give you the insight, & the KNOWLEDGE you need in order to finally realize just WHO really controls America, and America's DESTINY! Have a nice summer & good luck to you, Edgeman. P.S. Don't forget to 'Google' this- DR MANDELSTAMM OF KIEFF, and read the passage entitled- 'The Talmud And The Ghettoes', which starts on 'Page 88'. IT'S ALL COMING TRUE, wouldn't you NOW agree? QUOTE: 'The truth was obscure, too profound and too pure; to live it you have to EXPLODE.' - Bob Dylan 'Do not create anything/ it will be misinterpreted.' - Bob Dylan (1964) 'Only a pawn in their game.' - Bob Dylan

Keep all of us informed as to what you are doing, in regards to advising the politicians in California as to what they should do to in order to keep California, the WORLD'S 8th LARGEST ECONOMY, from going into bankruptcy and completely COLLAPSING, okay? I believe that the state of California is about $24 BILLION in the RED! Make sure to 'Google' this- DR MANDELSTAMM OF KIEFF, and read the entire passage entitled- 'The Talmud And The Ghettoes'. Before you read that passage, scroll down to 'Page 94' and read Dr. Mandelstamm's quote in its entirety first, then read the entire passage at least 3 or 4 times. After you've read it at least 3 times, ask yourself this question: IS ALL OF THIS CURRENTLY HAPPENING IN THE USA, AND AROUND THE WORLD? YOU BE THE JUDGE! Thank you. P.S. Make sure to 'Google' & watch the following on the web- AMERICA: FREEDOM TO FASCISM INSIDE THE MELTDOWN THE OBAMA DECEPTION BREAKING THE BANK PBS 9/11 PRESS FOR TRUTH DID SPECULATION FUEL OIL PRICE SWINGS

Keep all of us informed as to what you are doing, in regards to advising the politicians in California as to what they should do to in order to keep California, the WORLD'S 8th LARGEST ECONOMY, from going into bankruptcy and completely COLLAPSING, okay? I believe that the state of California is about $24 BILLION in the RED! Make sure to 'Google' this- DR MANDELSTAMM OF KIEFF, and read the entire passage entitled- 'The Talmud And The Ghettoes'. Before you read that passage, scroll down to 'Page 94' and read Dr. Mandelstamm's quote in its entirety first, then read the entire passage at least 3 or 4 times. After you've read it at least 3 times, ask yourself this question: IS ALL OF THIS CURRENTLY HAPPENING IN THE USA, AND AROUND THE WORLD? YOU BE THE JUDGE! Thank you. P.S. Make sure to 'Google' & watch the following on the web- AMERICA: FREEDOM TO FASCISM INSIDE THE MELTDOWN THE OBAMA DECEPTION BREAKING THE BANK PBS 9/11 PRESS FOR TRUTH DID SPECULATION FUEL OIL PRICE SWINGS

Keep all of us informed as to what you are doing, in regards to advising the politicians in California as to what they should do to in order to keep California, the WORLD'S 8th LARGEST ECONOMY, from going into bankruptcy and completely COLLAPSING, okay? I believe that the state of California is about $24 BILLION in the RED! Make sure to 'Google' this- DR MANDELSTAMM OF KIEFF, and read the entire passage entitled- 'The Talmud And The Ghettoes'. Before you read that passage, scroll down to 'Page 94' and read Dr. Mandelstamm's quote in its entirety first, then read the entire passage at least 3 or 4 times. After you've read it at least 3 times, ask yourself this question: IS ALL OF THIS CURRENTLY HAPPENING IN THE USA, AND AROUND THE WORLD? YOU BE THE JUDGE! Thank you. P.S. Make sure to 'Google' & watch the following on the web- AMERICA: FREEDOM TO FASCISM INSIDE THE MELTDOWN THE OBAMA DECEPTION BREAKING THE BANK PBS 9/11 PRESS FOR TRUTH DID SPECULATION FUEL OIL PRICE SWINGS

draw out more money when there is none there, Edgeman. And I have never had an ATM card locked because my account was overdrawn. I can still make a deposit, but I can't take what I don't have. To the poster, you are the responsible one here. It's not the bank's problem that you can't get there until Saturday to make a deposit. And it's not fraud. It sucks, but it's not fraud. They are open; if you are not available, what are they supposed to do?

In the past I have politely asked you not to address me here. I have little use for fear mongers and hysterical people and you come across as both. I can't think of any reason why you would wish to talk to me and I will ask you once again - Please, do not address me. You're a bright guy and I am certain that you are capable of this. As for the state that I live in, do you think that I voted for the people that took California into this direction? Do you think that I haven't been in touch with my representatives? While the politicians are indeed attempting to bankrupt my state, that has nothing to do with the OP's situation. It is irrelevant. After this you will be ignored. It seems that is what most of the people here do and it also seems to be the most productive course to take.

the state that YOU live in goes BANKRUPT, and runs out of money on July 28th? Did you know that California is the WORLD'S 8th LARGEST ECONOMY? That's right! The state of California has an economy BIGGER than most countries in the WORLD! Will you tell the ones running your state- QUOTE: 'You brought this situation upon yourself'? I believe that California is running a DEFICIT of over $20 BILLION, correct? Are you helping your state officials with their budget problems? Perhaps you can send Mr. Bernanke, Mr. Geithner, & Mr. Obama your suggestions as to how they can 'FIX AMERICA', huh? Don't forget to 'Google' & watch all of the following on the web- INSIDE THE MELTDOWN BREAKING THE BANK PBS THE OBAMA DECEPTION AMERICA: FREEDOM TO FASCISM Thank you.

You could be in jail for fraud just for writing checks when there are not available funds in the account to cover them. That's a crime in most states.

Think about it - The bank didn't need to keep you from making a deposit in order to collect fees. They already had the fees when you overdrafted your account! The card was locked in order to prevent you from making a substantial withdrawal from your already overdrawn account. In the future, do not assume that you can overdraft your account and then make a deposit to cover the transactions. The days when you could do that are long gone. The key is not to overdraft in the first place. My favorite line from this report: "Anyone that tries to defend these policies should be jailed as an accomplice defrauding the public." What about the people that are simply explaining what happened? Should they be jailed as well? You're not a victim. You brought this situation upon yourself.

When did you attempt to make a deposit though the ATM? Because if your account was already overdrawn(not over the limit) those fees would have been assessed anyways.

You would have been assessed the OD/NSF fees even if the ATM allowed the deposit because the bank processes DEBITS FIRST, largest to smallest, and then deposits. Further, any deposit made on a Saturday, Sunday or Holiday is not processed or available until the NEXT BUSINESS DAY. So, even if you had made the deposit at the ATM as you attempted, you still would have been assessed the OD/NSF fees. Ways to avoid these NSF/OD fees: Using an account register and reconciling that register with a monthly account statement from the bank will prevent any account holder from causing any NSF/OD fees. The majority (if not all) of the reports I've read about NSF/OD fees have common behaviors of the account holders: using atm cards for everyday purchases. using more than ONE card attached to the account (husband and wife) using atm cards for online purchases. using atm cards for 'auto-bill pay' (autodebits) relying upon telephone or online account balances to determine what money is available for that shopping trip to Walmart. *NOT using an account register. 1. Use an account register and reconcile the account register with a monthly written statement generated by the bank. If the bank is not mailing statements, contact customer service to have monthly statements MAILED to you. 1a. Be aware of ATM fees, such as the 'non-bank ATM fee' that most banks charge when you use an ATM that is not owned by your bank to make a withdrawal and post that fee in your account register immediately. 1b. Also be aware of any monthly 'account service fee' charged by your bank and post that to your register on the appropriate date. 2. Do NOT GIVE bank account information (or ATM card info) to any merchant, service provider, utility, online service to pay for services and goods. Use a REAL credit card for this purpose (either secured cc or unsecured cc.) Do not setup any automatic deposit to an account that is attached to said cc-NO auto payments to CC company-mail a check each month. If the entity demanding payment makes a mistake, you're gonna have a host of problems and risk OD/NSF fees. 3. Do NOT use an ATM card for everyday expenses-USE CASH. Establish a monthly budget and withdrawal a weekly 'allowance' for every day expenses such as 'milk and bread' from the corner store, Burger King, etc. This will reduce the amount of transactions on the bank account which in turn makes RECONCILING the account and detecting ERRORS easier to accomplish. Again, if the entity demanding payment makes a mistake, you're gonna risk NSF/OD fees. 4. Do not shop with the ATM card-use a real credit card. A real credit card offers protections that you don't have with an ATM card. If the merchant/service makes a mistake, you can dispute it with the CC company WITHOUT getting any OD/NSF. Not true if you use an ATM card-if the merchant makes a mistake, your money is gone until you can convince your bank to give it back, as well as OD/NSF fees. 5. ONLY ONE ATM CARD to one account. Do NOT have 2 or more atm cards for one bank account. Having 'his and hers' ATM cards attached to the same account is the same as in the old days when some folks would have 2 checkbooks for writing checks. It was an invitation to disaster then, and it is today. 6. Verify that deposits to the account have actually cleared. Deposits can take anywhere between 1 and 5 BUSINESS days to clear depending on the type and/or source of the deposit. Deposits over $5000 can take even LONGER before they are posted to the account. The Federal Reserve publishes a Consumer Compliance Handbook which gives detailed information about what banks can and cannot do with deposits, holds, and funds availability. You can download this handbook at http://www.federalreserve.gov/boarddocs/supmanual/cch/200711/cch200711.pdf Follow ALL of these suggestions and you will NEVER pay an OD/NSF fee again unless it is a LEGITIMATE bank error or caused by a merchant. If it is caused by a bank error the bank will gladly and quickly rectify the situation and credit any fees generated as well as contact payees and cover any fees the payees assess to you. If the fee is caused by a merchant error, you will need to hold the merchant accountable for the fees, although in many cases the bank may reverse the fees as a courtesy if the merchant confirms that the merchant made an error. This is a tried and true method to avoid these fees. It works EVERY TIME it's tried.