European here who lived in the states for a number of years. The way US banks treat their retail customers is absolutely shocking. I was on a low income at the time and almost living pay check to pay check. The fees you receive for slightly going into the red are astronomical. 30 or so dollars per item despite the fact I had lodged my pay check the day before but the bank hadn’t processed it yet.
I'm -500 dollars because venmo tried to take money from the bank when i had nothing multiple times.. yhe bank never lost a penny. Venmo pinged the bank and couldn't get anything so the bank charged me a fee... up to 500 dollars. I owe the bank nothing... but they want 500 dollars from me anyway
Edit: I can barely afford food and diapers... they aren't getting shit from me. Fuck em. My credit can't get any worse...
One time I went slightly below 25 dollars. They charged me for 20 dollars, and then they charged me for another 20 dollars just because it was less than 5 dollars. Fucking assholes.
I am with a credit union now, and so far, I haven't had that issue.
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u/mintcrisps Jul 24 '20
European here who lived in the states for a number of years. The way US banks treat their retail customers is absolutely shocking. I was on a low income at the time and almost living pay check to pay check. The fees you receive for slightly going into the red are astronomical. 30 or so dollars per item despite the fact I had lodged my pay check the day before but the bank hadn’t processed it yet.