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Went to bank about my PDLs and talk to manager about putting Hard Hold on acct. My account is currently OD. Had 2 items hit my acct on friday and was really worried about them not being paid. Manager had my acct. in front of him and we discussed the two items. He told me they were paid and i would be "fined" the NSF Fee, which i was fine with, just as long as they were paid. Came home tonight and something made me check my acct. and sure enough the two items were returned. I am going to go to bank again tomorrow and will most likely be told he has no control over the situation. Options? Suggestions on what I can do?

Posted: Mon Feb 11, 2008 11:52 pm Subject:

Unfortunately they will say that the systems returns it automatically but I do know that they can still stop the items from being returned depending on what bank this is.

It may be a situation where they did stop them from being returned but the systems is showing it wrong.

Posted: Tue Feb 12, 2008 7:35 am Subject:

I will go back to the bank and talk with the manager again and see what he says.

Posted: Tue Feb 12, 2008 8:07 am Subject:

The bank is Wells Fargo. The branch operates out of a grocery store. This same thing happened to me about 10 years ago, and i was told that there was nothing they could do about it. So have that feeling i am going to be talking to the "hand" when i go back down there today.

Guest · Posted: Tue Feb 12, 2008 6:39 pm Subject:

Dear Diary - Today not a good day. went to bank again about returned items. Spoke to branch manager and got the "to bad..so sad" story. Called city to tell them what happen, none too happy of which i knew. Received 48 hour shut off notice, but don't know if that was prior to my phone call. will go pay on bill tomorrow. Strange phone call this afternoon. Lady named Barbara called (i didn't take call had msg taken) msg was that Wells Fargo needed to talk to me she didn't leave call back #. Called bank asked for her and there is no such person. Most likely a bill collector call...funny though that she said she was from Wells Fargo and that is where i bank. I did make sure the Hard debit thing was in effect and that i will get hit with OD fees which isn't good, but nothing i can go about it at this point. Just hoping that by the time i get paid, i will have a positive balance so i can close acct. Sorry for going on about this just feeling sorry for myself...My son will be in to "DROP KICK ME" then i will be better.

Posted: Tue Feb 12, 2008 6:43 pm Subject:

that was me just now, it said i was signed in but put me in as guest. HOpefully i fixed it.

Posted: Fri Feb 15, 2008 8:28 am Subject:

Are they charging you a daily fee as well?

Posted: Thu Feb 21, 2008 11:42 am Subject:

I used to work at Wells Tardo and I know that they CAN "force-pay" an item if your account shows a good history and that you don't have recurring OD's. It's up to the branch manager, usually where you opened your account. Find out from the branch manager why they did not force pay the item. There is a cut-off time for them to do this, so it may have been after the cut-off time when you requested it. That may be why they couldn't do the force-pay. Just a thought. And, yes they do charge a $5 per day fee if the account is OD longer than 5 days.

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was told wrong Info. from bank Manager

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