i did a big mistake my account is over draft about $1,000 dollar?
952337
Get the money to cover the check.  Get a job, sell something, borrow it from a friend or relative.  Be careful some banks charge a daily fee for being overdraft (like $6 a day).
569929
Unless you feel the amount owed to you is worth upward of $500, don't waste your time. I was screwed out of my deposit and billed $700 for an apartment I had cleaned after I moved out and took pictures.  I left a telephone and a mirror the assistant manager asked I not put into the trash ( he said when the dumpsters were emptied they would remove it for me).  I was charged $400 for trash removal, and carpet cleaning $125 ( have a receipt my carpet was cleaned 30 days before I moved out) and they didn't clean the carpet they replaced it.  My time was worth more then the headache I went through, I fought it based on the principal.  My manager had been a good friend and then pulled this crap on me.  I would let it go. It made the joy of buying my first home more of a nightmare trying to fight my old landlord.  We finally agreed to disagree.  She kept my $550 ( oh I am getting mad just thinking about it) and I wasn't charged the additional money they tried to milk me for.
965927
Actually read your promissary note, in it you will see a clause called Right Of Offset.  While they have the right to offset this monthly obligation with any other asset you have within the bank.  They don't have the right to overdraft an account to execute this right causing you to incurr additional nsf fee's and possibly daily overdraft fee's.  If this transaction is the transaction took you into a negative balance you can actually file a complaint with States Attorney General's Office and even possibly your local Office of Thrift Supervision.  If however, other transactions came through the account that day they will argue that you overdrew your account with those other transactions.\n\nAt best you will get your fee's reversed but the payment is what they are legally entitled to.\n\nBest of luck and yes it's time to close your checking account and open it at another bank.  It will eat them up inside to know they can never exercise that right again.  Also do it now, because if you can not bring this account back into the positive balance quickly the will close it for you and report you to a company called Chex Systems.  If they do this you will not be able to open an account at any bank in the US until that reporting is cleared up.
1082792
Call your bank and file a Regulation E claim as soon as possible.\n\nA Reg E claim protects you and your card.  The bank will get your money back in a few days.
690269
Yes, I do. Your money is federally insured - FDIC up to a huge amount of money. Just balance your statements and you'll be fine. When you find a mistake, you call them on it. Usually, they put whatever amount of money is in question back into your account until they finish their investigating of what happened. If they are right, they take the money back out of your account. If the bank is wrong - which I have seen before - they send you a letter saying you were right! That's the best part! But they will send a letter either way.
48989
Move your money into your checking account and then write a check for the full amount in the account. Beyond that you really don't have to do anything if you don't want to. You could send them a letter after the fact informing them that your account is now closed. It's your money and you are the boss of it. Good Luck in your maybe move.
656864
No you can't do that. Your account may be closed.  This is fraudulent activity.  \n\nThe bank would likely reduce your access to funds to zero, meaning that in the future anything you deposit to your bank account would be held for 3-5 business days, your card would likely be cancelled and your account may be closed.
1070513
$1,322,500 -$1,400,000 but of course I would you a credit card as my checking account would be severely overdrawn.
300044
Just open another account. you know what I do with the information they send me about a new account. I save it in my draft follder.\n\nThen if I forget I open my draft folder in OE.\n\nDavid
788650
You will probably have to pay a penalty for overdrawing your account and interest on the $10 that you "borrowed".  The bank is always looking for ways to take your money for any reason.
606071
Just to let you know, every reported transaction is going to take you about an hour on the phone. This is going to be a pain in the butt. You need to dispute the accounts, (which you've done) now the angencys are going to need to prove that is infact you. They will do this by matching your DOB and ss# as well as your last 3 previous addresses. If they don't match yours the bill isn't yours, and it will be taken off. It takes some time ( a couple of months) so be paitent. If it isn't resolved in that time, you need to call each agency. Sorry but itentity mixups and theft are hard new.
393997
Dont leave your card in the ATM Like I did and had to cancel card and wait 2 weeks for a new one. OUCH\nDo not over spend what you have in your account. They will charge you overdraft fees. Thats it! Make sure you get overdraft protection too.
785295
accepted amount minus obtained amount all over accepted amount (times one hundred)
818998
Reclaiming Unlawful Bank/Credit Card Charges\n\n\nDid you know that when banks and credit card companies charge you for going over your overdraft limit, those charges are unlawful?\n\nNope, most people don’t. However, there are a few people who are waking up to this and have won back their charges, either directly from the banks or through the courts.\n\nHow to reclaim your charges. (Please note, you can just change the wording of the letters for your credit card or store card) \n\n1.  Before sending the sample letter, you need to know the amount you are claiming. You can back-date your claim for up to six years. If you need to get copies of your bank statements, use sample letter two.\n\nUnder the Data Protection Act - the bank has only 40 days to provide your statements. Do not worry about the extra wait - you can legally claim 8% APR on each charge for the full period, so the longer it takes them, the more money you will have back. If they still refuse, or do not furnish you with this information within 40 days, report them to the information commissioner - www.informationcommissioner.gov.uk - for a breach of the DPA. \n\n2. Now you have your statements, add up all your charges and then send them sample letter one with your own details. \n\n3. You should now receive a reply from your bank; it will be along the lines of: \n\na) Sorry you're not happy; however our charges are listed in the terms and conditions, if you are not happy you can now go to the Ombudsman.\n\nb) We looking in to this, however please note under the bank code we have 8 weeks in which to reply. (Do not accept this - you have given them 7 days) \n\nc) You will be offered a partial or full refund. You can choose to accept a partial refund, but the money is yours so it may be better to hold out for a full refund.\n\nd) They will deny the claim that the charges are unlawful (about 50% do this) \n\n4. If they do not offer you a full refund, send them a follow-up letter reiterating your original claims and giving them 7 days to pay\n\n\n\n\n5. Most banks will have paid up by this stage. If your bank doesn’t, now is the time to take them to court. It is a simple procedure, don’t let it intimidate you. To enter a claim go to www.moneyclaim.gov.uk and fill in the claim form. \n\nYou will have to pay the fees upfront with a credit or debit card.  If you are receiving benefits of any kind, you may be exempt from the fees.  However, you will have to use the paper N1 claim form and submit it to your nearest county court; you can get these on-line or from your nearest county court. \n\n\n6. The bank will now do one of four things.\n \na) Ignore the claim completely - in which case after 14 days you will need to ask the court for judgment in default. This means you win. \n\nb) Offer to pay the claim in full, including interest and court fees \n\nc) Acknowledge the claim – they then get a further 14 days to enter a defence. Some banks will acknowledge the claim and then pay up.\n\nd) Acknowledge the claim, and then on the 26-28th day, enter a defence \n\nIf the bank defends, the next thing that will happen is that you will receive a Court Allocation Questionnaire you must fill this in within 7 days of receiving it, and pay the additional fee. \n\n7. The court will now set a date (if the bank has not already given your money back by this point - and most will have done) \n\nAs far as we can tell from our research, most banks have settled before the court date, and those that have not, have lost the case.\n\nSample letters are on the next pages.\n\n\n\nImportant Updated information\n\nSome banks are now closing down the accounts of those who chose to challenge them. They are entitled to do this and you should consider this possible outcome before taking any action.\n\nThe Office of Fair Trading has ruled that it will view any charges over £12 as automatically ‘unfair’. However, the banks have a yet to respond to this before any action will be taken. This
547370
Well, it isn't your fault they sent you the checks. But if you know that it is a mistake and you cash them anyway, they can probably take you to court over it. And I bet they can afford better lawyers than you...
69558
None.  Use a debit card, save money, invest.
150320
It's deposited into a nonsense account?