The WORST bank to EVER go by
HELP! I need a real pro to help me figure this one out; maybe a banking pro. As of 12/17/07, my checking account overdrafted by $1.05. Naturally my bank (TD Bank North) charged me... $35.00!! I don't know if anyone knows RedBox DVD rentals but 4 of those came through on my account and I did not know that my account had overdrawn. Don't think I'm not one of those people that don't balance my check book, because trust me, I do! So not knowing that I had overdrawn by $4, another bill came through, only this time it was a $9 restaurant bill, which was used on my debit card. So far, my bank charged me by far over $200 for this and that includes all those $35.00 fees for every overdraft made. Right now... my account is at a whooping $421 just because I made that little mistake. As soon as I found out my account was negative, I went straight to my bank and explained to them that (at the time) I had no job and was not able to pay this off. They could not waive the ridiculous amount because they had previously done so twice early in the year but never that much. I just started my new job and now most of the paycheck is going towards this. I know this is how banks make their money but I took the innitiative to speak to my branch supervisor and tell her myself, that I did not have the money. What do I do? I can't NOT pay it off because that will mess up my credit, but at the same time, this is RIDICULOUS! HELP!! :mad: