Bounced Checks advice

Call you bank and ask them to waive some of the NSF fees....if you have been a loyal customer then most banks will waive a good portion of them .

I have asked them to do so and they won't because the number of checks exceed over 5, there was 9 of them.

Ask again. Talk to a branch manager. Keep asking.

35 yrs?follow soaplady's advice.show the fact about the crossed wires as far as the letter goes.they should understand after that.

Ugh that sucks. I would continue asking untill I got some help.

Definitely go back and talk to a manager at your local branch. Don't call and don't talk to an employee who doesn't know you.

We had this happen with my mom-in-law, when she was still living and had moved in with us after her husband's death. She'd never balanced a checkbook or driven in her life, so this was all new to her. She took over the checking account she and her husband had with the same bank for over 20 years. She made a $0.30 mistake (that's 30 cents, folks!), and bounced a check for $3.78. The bank hit her with a $75 fee. When I called, I ended up talking to someone in a call center hundreds of miles away, who didn't know us from Adam - they reviewed the records, they said, and still refused to waive the fee. So my then-husband and I paid it for her, since she was on a very limited income. The next time I went to the bank and was face-to-face with the teller we always dealt with, I complained about it. She told me if I had come in and talked with her, she would have gone to the manager and gotten it waived, but since I had already talked to someone on the phone, and they had refused to waive it, she couldn't do anything about it.

It's all about having a personal relationship with your local bank!

i have similar problems with TD bank, they refuse to work with you concerning fees.

The letter you got, was it from the merchant's that you wrote the checks to or was it from the county attorney?


Usually what happens is you will get a letter from the merchant giving you a certain time from to clear it up. If you don't respond within the time frame, they will then send it on to the county attorney. The county attorney will then send you a letter giving you a certain amount of time to clear the matter up. There are added fees once it goes to the county attorney. They usually don't immediately file a criminal report because of this. It would really consume alot of their time if they did and believe me, they have bigger fish to deal with.

So my guess is you probably got the letter fromt he merchant. I would call them and explain what happened. Most of the time, they are nice about it and will give you some extra time to take care of it.

I hope this helps.

Have you ever overdrawn with the bank you are currently using? If not, ask them to waive some of your fees and keep asking. One person might say they will do it, while another might say they won't, so keep asking until you find someone who will take the fees off. It would be best if you could go into your local branch and do this so you can make sure they take it off, if they say they are going to do so.

does the poster have any updates? i am curious as to what happened..

Me too, update us on what happened with you!