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Thread: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

  1. #11
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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Need to run a class action lawsuit against some banks. They will rearange your transactions in a seperate order other than what you did in order to shove all the micro transactions into the far end EVERY SINGLE TIME without fail. As in if you plan on going in the negatives for a week do to an unseen circumstance they change your plan. They take that last transaction you made during the weekend. And shove all those 1-2$ transactions you made during the middle-friday part of the week and stick them behind your big one that made you negative. Turning 30$ worth of transactions (made in lets say.... 7 different sources) into seven 31 dollar overdraft fees. That **** is pure theft. And thats what my bank was doing to its customers before it got absorbed and force merged by the government.

    /rant off
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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by dirtpoorchris View Post
    Need to run a class action lawsuit against some banks. They will rearange your transactions in a seperate order other than what you did in order to shove all the micro transactions into the far end EVERY SINGLE TIME without fail. As in if you plan on going in the negatives for a week do to an unseen circumstance they change your plan. They take that last transaction you made during the weekend. And shove all those 1-2$ transactions you made during the middle-friday part of the week and stick them behind your big one that made you negative. Turning 30$ worth of transactions (made in lets say.... 7 different sources) into seven 31 dollar overdraft fees. That **** is pure theft. And thats what my bank was doing to its customers before it got absorbed and force merged by the government.

    /rant off
    Use cash! It is the perfect balance sheet. Either it is in your hand or it is not.
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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by dirtpoorchris View Post
    Need to run a class action lawsuit against some banks. They will rearange your transactions in a seperate order other than what you did in order to shove all the micro transactions into the far end EVERY SINGLE TIME without fail. As in if you plan on going in the negatives for a week do to an unseen circumstance they change your plan. They take that last transaction you made during the weekend. And shove all those 1-2$ transactions you made during the middle-friday part of the week and stick them behind your big one that made you negative. Turning 30$ worth of transactions (made in lets say.... 7 different sources) into seven 31 dollar overdraft fees. That **** is pure theft. And thats what my bank was doing to its customers before it got absorbed and force merged by the government.

    /rant off
    Don't overspend. Problem solved.


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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by Josie View Post
    Or if everyone with a mortgage just stopped paying. That would be ossum!
    Most of the people who were given untennable mortgages have already stopped paying in the first place, or weren't you paying attention to the mortgage crisis that started us down this path?

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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    i like the idea of a couple percent interest on a checking account. my bank is pretty good, but the interest on savings is nearly nothing.

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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by Temporal View Post
    Most of the people who were given untennable mortgages have already stopped paying in the first place, or weren't you paying attention to the mortgage crisis that started us down this path?
    I mean everyone with a mortgage should just stop paying for them. What would the banks do then?


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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by Josie View Post
    I mean everyone with a mortgage should just stop paying for them. What would the banks do then?
    They would be sitting on a huge pile of houses, and demanding that the government give them more welfare payments.
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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by danarhea View Post
    And the bloodletting will continue. Oh, I am sure that the apologists for the elitist banksters will continue to shill "Those big banks have so many assets, that your mosquito-assed self moving your paltry sums away means absolutely nothing". Of course, the shills might be right, but in my life, my paltry sum is no longer in their banks. And on top of that, I am debt free to the point where I have cut up every single one of my credit cards. I only carry a debit card now, THROUGH A CREDIT UNION. So, each and every time, an apologist for an elitist bankster tells me I don't mean jack **** to them, I will say "Fine, and those bloodsuckers don't mean jack **** to me either". My money is no longer with them, so they will need to find another victim to go vampire on. And as long as others feel the same way as me, the bloodletting is not going to stop. LOL.

    Am I a happy camper? You bet your ass I am. **** the banks.

    And Bank Transfer Day has not even arrived yet.

    Article is here.
    I shredded my BofA credit card 2 years ago. I only used it once in a while to keep it active, paying it off each time, when they arbitrarily raised my rate 5 points. I called to complain since I had a great credit record with them going back decades. The rep on the line acknowledged that and said she couldn't do anything, but gave me an address and a name to write snail mail to so that the right people would hear why I would no longer be using the card. She had listened to angry customers all day and wanted the powers that be to get an earful. LOL

    I opened a credit card account with my credit union that evening, over the phone, for lower than my original rate at BofA. Buh bye!

    Guess you could say they weren't getting anything from my account anyway, but it's the principle. I played by their rules and earned that rate and lost it through no fault of my own.
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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by Josie View Post
    Don't overspend. Problem solved.
    Try not to overspend when you live in Longbeach and have a car stolen, then a car go out on you. Still doesnt change the fact that the bank will bend the truth, rearange your purchase orders. And charge you hundreds of dollars because of it. I think that the forced government merger of WaMu was a buying out from the top down in order to give it a new name, therefore avoid lawsuits. They straight up changed their rates at whim with no re-agreements and see if it slides on through.

    When you get a letter in the mail saying "This is your new bank, they now have all your money." You know the banks and government are in bed.
    I'm Finding it Harder to be a Gentleman, White Stripes ~ "You think I care about me and only me. When every girl needs help climbing up a tree."

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    Re: Hundreds of Thousands of Consumers, Billions of $$ Move to Credit Unions

    Quote Originally Posted by dirtpoorchris View Post
    Need to run a class action lawsuit against some banks. They will rearange your transactions in a seperate order other than what you did in order to shove all the micro transactions into the far end EVERY SINGLE TIME without fail. As in if you plan on going in the negatives for a week do to an unseen circumstance they change your plan. They take that last transaction you made during the weekend. And shove all those 1-2$ transactions you made during the middle-friday part of the week and stick them behind your big one that made you negative. Turning 30$ worth of transactions (made in lets say.... 7 different sources) into seven 31 dollar overdraft fees. That **** is pure theft. And thats what my bank was doing to its customers before it got absorbed and force merged by the government.

    /rant off
    I called my credit union on this practise a few times. The excuse given: "We process transactions as they come in from the retailer." So, to combat the "cross-transaction miscue", I just started keeping a closer watch on my ebank statements instead of waiting until my montly paper statement came in the mail and managed my checking account alittle better. It also helps to pay in cash as often as possible.

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