Ken
Randolph,#2Consumer Comment
Thu, December 08, 2005
There is (legally) no such thing as a post-dated check. As soon as that check leaves your hands, it becomes negotiable. The fact that you put some future date on the check does not give the bank an obligation not to pay it when it is received. I am not being judgemental, really, but hearing your banking habits, it's fairly amazing you haven't been burned before...and often. Depending on the online balance is sure disaster. You can read the posts on this site and hear the same thing, over and over: 'how could i be overdrawn? The web site says I had money'. It's a little bit like that old joke about the bank customer saying 'how can I be overdarwn? I still have checks left'.
Ken
Randolph,#3Consumer Comment
Thu, December 08, 2005
There is (legally) no such thing as a post-dated check. As soon as that check leaves your hands, it becomes negotiable. The fact that you put some future date on the check does not give the bank an obligation not to pay it when it is received. I am not being judgemental, really, but hearing your banking habits, it's fairly amazing you haven't been burned before...and often. Depending on the online balance is sure disaster. You can read the posts on this site and hear the same thing, over and over: 'how could i be overdrawn? The web site says I had money'. It's a little bit like that old joke about the bank customer saying 'how can I be overdarwn? I still have checks left'.
Ken
Randolph,#4Consumer Comment
Thu, December 08, 2005
There is (legally) no such thing as a post-dated check. As soon as that check leaves your hands, it becomes negotiable. The fact that you put some future date on the check does not give the bank an obligation not to pay it when it is received. I am not being judgemental, really, but hearing your banking habits, it's fairly amazing you haven't been burned before...and often. Depending on the online balance is sure disaster. You can read the posts on this site and hear the same thing, over and over: 'how could i be overdrawn? The web site says I had money'. It's a little bit like that old joke about the bank customer saying 'how can I be overdarwn? I still have checks left'.
Ken
Randolph,#5Consumer Comment
Thu, December 08, 2005
There is (legally) no such thing as a post-dated check. As soon as that check leaves your hands, it becomes negotiable. The fact that you put some future date on the check does not give the bank an obligation not to pay it when it is received. I am not being judgemental, really, but hearing your banking habits, it's fairly amazing you haven't been burned before...and often. Depending on the online balance is sure disaster. You can read the posts on this site and hear the same thing, over and over: 'how could i be overdrawn? The web site says I had money'. It's a little bit like that old joke about the bank customer saying 'how can I be overdarwn? I still have checks left'.
Nicole
South Houston,#6Author of original report
Thu, December 08, 2005
Hmmm...let's not just start judging. An unexpected check meaning a check I mailed that was POST DATED for the due date of my bill (the same day I get paid) Not Illegal....maybe I should have explained that for the nit pickers. I do not keep a register because I choose not to, if my account balance is correct on the website then I know how much I need to put in or not, that is the whole reason I started banking with Wells Fargo and I haven't had any problem in the past. Internet banking is the "wave" of the future. I have never even stepped foot in a Wells Fargo branch not even to open the account. I do everything online and at the ATM. If transactions are showing pending then they are in fact pending and I shouldn't be charged an overdraft fee for pending transactions. And I guess someone at Wells Fargo agreed with me and I know they don't refund unless there is a "bank error" so maybe they're hands aren't as clean as you assumed. I received a phone call, email message with an apology for them not even contacting me about the issue and all the fees have been deleted from my account. I am very glad they took the time and consideration to actually review my account and make things right. Yay!
Ken
Randolph,#7Consumer Comment
Tue, December 06, 2005
There is no such thing. You wrote the check, and it was presented for payment. What's unexpected about that? Are you aware that in most states it is a felony to write a check when the funds aren't already in the bank? It is obvious from your post that you do not maintain a check register, and that you have no idea of what your true balance is. (I checked my account on 11/30 and noticed ... I checked my account the next morning ... ) You are a (presumably) grown-up now, and you can make the decision of whether or not you want to keep track of your own money, but when you make the choice not to, you also have to accept the consequences. In your case, the consequences are $165 in overdraft fees. From all the postings here, I surmise that WF is a pretty crappy bank, but in your case, they seem to have clean hands.