why do banks give you charges when they know you've money in tour account?????????????????????????????????????
464004
Because that's how banks make their money. They know you have no money in your account but they still charge you fees and other things, because they know one way or another they will get their money.
564545
NO!  Why would they need them.  You probably have to provide them with a report on the money in questions but, NOT an account number.  Why would they need that?  They wouldn't have any access to the account if their name isn't on it.  Sounds fishy to me -
18631
The bank does not sit and watch your individual account so they don't know if you have enough money or not until the transaction goes through.  If the transaction goes through and you don't have enough money then it is red flagged and you are charged for insufficient funds fee.
484553
When you call the bank, they will reverse the charge and issue you a new card. You'll never know who used the card. These things happen so often that they won't really do anything for $500.
470396
It's a SCAM!!!!  Do you buy a ticket from overseas...NO!!!!\n\nThat should give you a HINT!!!!
453561
Try going to your bank.  Explain to the customer service rep what happened and tell them that you want your money back. The bank will make inquires into the transaction and demand from the company statements that gave them permission to take money out of the account.  Usually the bank will have info to this company.  If this fails then you are out of luck and you should report them for fraud to the police.
1184293
Sorry to tell you this-nothing. Two over the limit fees can be charged. She was overdrawed in the beginning.\nSorry.
1141576
Because they charge a fee.
786898
im led to believe they charge you if the other person is using a credit card  if they use a debit card they dont
465607
It really does sound like a mistake to me. However, do you have any idea how much money banks make in NSF fees? Billions of dollars every year! They make far more money this way than they do off loans or other investments each year. \n\nThink about this: A bank has a fee of $1.00 for the use of its ATM by those who do not have a checking account with the bank owning the machine. If they have even only 50      machines nationwide and ten individuals who do not have an account with them use each one a day that earns the bank $182,000.00 yearly. However, we know banks have more than fifty nationwide, heck they are all over the place. When people travel they don't stop to find out where their bank branch is where they are going. Also, when people are out and about it is just "easier" to pull money out of the nearest machine, after all its only a buck right? Wrong!\n\nThese fees are were banks are making a killing. It is one of those hidden taxes we pay each day without realizing we are even doing so. Also, did you know that when you have a visa check card and use it as a debit card in a store instead of having it swiped as a credit you are charged for that swipe? Yep, anywhere from .25 to a $1.00 depending on the bank. How many people do you see every day in stores using their visa check cards on debit purchases? Tons! Banks are making a killing with these scams. Individuals trying to balance their check books often just see these weird small charges and deduct them without much thought as it is just too darn frustrating to try to figuare out where that $4.00 descrepency came from and it is only $4.00 after all, right? Not to the bank it isn't! How many regular folks like us every day just shrug our shoulders and deduct it each month rather than go to the bank and ask about a four dollar charge? The bank is making a killing.\n\nThe government is currently trying to enact law which stops some of these practices yet the banking institutions really have many of our polititions over the barral. They contibute millions each year to these polititions which the politians would hate see dry up, so the law is quietly being squashed in the houses each year.\n\nI agree, talk with the manager. I think you have a low chance of having these charges cleared. If they clear them for you well the next customer will expect the same treatmetn and the banks just can't have a stampeed of customers demanding back fees they have been charged under current laws.\n\nIf your bank will not reverse these fees I reccoment looking for another bank. Why would you stay with a banking institution which treats a loyal customer so badly? Why should you continue to put money into the pocket of a business so willing to take money out of yours and your families? The banks are in ferious competition right now, they are looking to take customers from each other. YOur bank currently has you and is going to take the odds you will not want to go to the trouble of looking for a new bank, getting use to the way the new bank looks, and getting to know new bank tellers. \n\nI recently changed banks for this very reason. Sure I could have placed hooked my accounts and made sure I did not have this happen again. But why did my bank not inform me i even had the option of doing this? Because they wanted my NSF fees as long as they could get them. NOT that they got them more than twice! However, I had money in an account that would have covered my checks in my household account, and when I asked why they charged me when I had money sitting right in that same bank they just shrugged and said I had not "linked" my accounts yet! What the heck? I have multiple accounts in the same institution yet they say they are  not linked? Give me a break, I would rather they have deducted the money from one of my other accounts which they had access to than be charged due to their newest change in how long a deposit takes to clear! By the way they informed me of thes
335871
I don't mess with anything like that. It usually turns out that way and you end up with a lot of hidden fees??????????
658571
it was probably just an authorization to make sure card was real , should be reversed . Just like a gas station will authorize 5 dollars when you pay at the pump , and you get 20 in gas , go home and there is a charge for 5 and 20 on your statement , but the 5 will be taken off
1021423
it's like additional money you have in your account that you can use if need be\nyou have overdraft fees though if you go below\nyour balance and have to use this overdraft
323377
Call the bank or go to the card-holders web site and question the purchase.\n\nBut that sound like a porn charge to me.
643980
I'm not sure I understand the question, but if you've been charged on your credit card for anything you did not mean to purchase, I'd suggest you complain to the company that made the charges and ask for a refund. If they don't give you one, follow up with the bank with which you have the card and see if you can get the charge reversed.
978647
Why would you need to pay them an up-front fee - let alone any fee!! Doesn't sound too legit to me.
1130295
It depends on the bank.  Every bank puts some kind of hold on your money when you use your debit card.  Bank of America places a hold on your money equal to the amount of the authorization until the charge is posted or five business days later, whichever comes first.  However, with travel-related expenses (airline tickets, rental cars, hotels, etc), the hold is removed the next business day.  This is because often hotels and such will run your card as a "deposit" and then run it again upon checkout.\n\nMost banks simply place a hold on the amount authorized until the charge posts.  This prevents you from using the same funds a second time.  In the rare event you find a way to circumvent that, this type of behavior repeated will likely cause the bank to cancel  your debit card, so I wouldn't recommend trying it.\n\nGreat question!