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Bajaha posted:Now that's just straight up evil. I misremembered slightly. You have to go to a separate kiosk, but it's still v. v. evil. 
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Nov 13, 2018 16:10
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Murderball posted:r/iknewiwasmakingamistake TVsVeryOwn posted:r/idefinietelyaskedforthis Don't sign your posts please
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Nov 13, 2018 16:11
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TVsVeryOwn posted:I misremembered slightly. You have to go to a separate kiosk, but it's still v. v. evil. Wow I can't believe people who run casinos are incredibly vile bloodsuckers
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Nov 13, 2018 16:52
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Ashcans posted:That's not what he's saying. Many accounts/debit cards have a limit where you can only withdraw a certain amount by card each day - maybe $500. Even if you have $10,000 in your account, they'll only let you pull a certain amount in cash from ATMs, if you want more you need to go to a branch office. He's saying that in addition to denying the withdrawal over their limit, they also charge a fee for the privilege. The link he posted was not about over daily limit transactions, and that is what I was responding to. It was about unavailable funds fees which occur when your available balance is negative but your ledger balance isn't yet. He probably misunderstood what was happening one way or the other because people are dumb about their bank accounts, and then blame whatever teller is standing in front of them when they find out they overdrew. Also why in the hell are you using an atm at a casino, holly hell.
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Nov 13, 2018 16:52
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Hoodwinker posted:"I make enough money but make bad decisions. Should I make another bad decision?" "post your budget" "post your budget" "post your budget" OP never posts budget
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Nov 13, 2018 17:01
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Immanentized posted:I've found a solution. this is actually a kind of viable solution except the poster sounds like a baby who is going to get hosed up by some eastern europeans
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Nov 13, 2018 17:04
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Fitzy Fitz posted:"post your budget" why would they post their budget when it's clearly not a budget problem 
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Nov 13, 2018 17:05
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KYOON GRIFFEY JR posted:why would they post their budget when it's clearly not a budget problem
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Nov 13, 2018 17:06
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Bajaha posted:Reading comprehension is an issue for you, isn't it. Kiting is BWM
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Nov 13, 2018 17:06
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Subjunctive posted:That’s delightful. I know you can see that "predatory ATM fee at a casino" is an on topic reply to "predatory ATM fee at a night club". therobit posted:The link he posted was not about over daily limit transactions, and that is what I was responding to. It was about unavailable funds fees which occur when your available balance is negative but your ledger balance isn't yet. He probably misunderstood what was happening one way or the other because people are dumb about their bank accounts, and then blame whatever teller is standing in front of them when they find out they overdrew. UFFs are a new source of revenue and they're taking many creative forms, since ATM usage per machine is on the decline in recent years. Do you know your debit card's daily withdrawal limit (totally unrelated to balance) off the top of your head? I sure didn't! I tried withdrawing X dollars and it said "over the limit, please try again", then Y dollars, then Z dollars, before finally trying the correct number. Of course each of those attempts was accompanied by a $9 UFF and a $2 account balance check fee, despite none of them actually giving me any money!
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Nov 13, 2018 17:15
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Why am I being denied a finance? https://www.reddit.com/r/personalfinance/comments/9wqd5f/why_am_i_being_denied_a_finance/ quote:Hello all, with Christmas coming up I’m trying to do something special for my mom and my grandmother. I’d like to get my mom a new desktop, a my grandmother a tablet. But I’ve applied at literally every business that sells computers and every time I’m denied for a card with them, and I just don’t understand why. So one, I have no credit which I heard was a good thing because I have no bad credit, no debt and no loans that need to be paid. Second I make about 700 dollars every paycheck, so I’m no understanding why I can finance a computer for 50 dollars a month, which was BestBuys deal on their IMacs. Basically can someone explain why I’m not being approved, and does anyone know where I could finance a computer that would accept me?
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Nov 13, 2018 17:19
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GoGoGadgetChris posted:I know you can see that "predatory ATM fee at a casino" is an on topic reply to "predatory ATM fee at a night club". Was this fee charged by your bank, or the ATM? If it was the ATM then it was probably disclosed on a conspicuous sign on the machine. If it was by your bank, then it is in your account agreement, but try talking to your branch manager. therobit fucked around with this message at 17:32 on Nov 13, 2018 |
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Nov 13, 2018 17:20
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Motronic posted:Why am I being denied a finance? I’m broke now, won’t be in 2 months. How stupid is it to take out another credit card for holiday expenses? https://old.reddit.com/r/personalfinance/comments/9wptto/im_broke_now_wont_be_in_2_months_how_stupid_is_it/ quote:First of all, I posted this elsewhere and I was overwhelmed with comments saying things like “you don’t need to spend money on gifts, just make something from the heart your family will appreciate it more etc etc” I am looking for an answer to a specific question, despite how much you may want me to make a macaroni frame for my mom. How stupid would it be to count my chickens before they hatch?
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Nov 13, 2018 17:26
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therobit posted:Was this fee charged by your bank, or the ATM? If it was the ATM then it was probably disclosed on a conspicuous sign on the machine. If it was by your bank, then it is in your account agreement, but try taking to your branch manager. I would ditch my bank if they added that. I tried moving credit unions and thought I found an OK one but they charge $2 a month for a security fee. I’ll be finding a new place to keep my cash as soon as I have free time to physically go to a bank.
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Nov 13, 2018 17:26
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StormDrain posted:I would ditch my bank if they added that. I tried moving credit unions and thought I found an OK one but they charge $2 a month for a security fee. I’ll be finding a new place to keep my cash as soon as I have free time to physically go to a bank. What the gently caress kind of Protection Racket is this! What security does your $2 provide you? Are there any ways to get out of it, like minimum balance or direct deposit?
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Nov 13, 2018 17:29
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GoGoGadgetChris posted:What the gently caress kind of Protection Racket is this! What security does your $2 provide you? Comrade, the only way out of it is to put the Wall Street Gang to the sword. You know this.
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Nov 13, 2018 17:34
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StormDrain posted:I would ditch my bank if they added that. I tried moving credit unions and thought I found an OK one but they charge $2 a month for a security fee. I’ll be finding a new place to keep my cash as soon as I have free time to physically go to a bank. I have never heard of a security fee. While I honestly don't believe that free checking should even exist, I bet you can find somewhere that is offering a product you can get for free. IME there are good banks and bad credit unions out there, and I wouldn't even necessarily give a blanket statement that one is better than the other. It depends on what features and products you require, and what is available ti you locally. I do find that smaller institutions can be a compliance and operations nightmare. If you never have a problem with a missing deposit, loan interest or billing getting messed up, or someone sending your mortgage details to your brother's ex wife, then you probably will not notice that. If it does happen then a small institution can be really awful to deal with, or they can be easy to deal with depending on who you are dealing with and if they have a robust process in place to detect and fix the problem. In a lot of cases these are things that would be a lot less likely to have happened in the first place at a bigger company due the controls they have.
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Nov 13, 2018 17:42
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Another repeat of a common issue we see in this thread,https://www.reddit.com/r/AmItheAsshole/comments/9wpz7s/aita_for_getting_my_mother_charged_with_credit/ posted:About 6 months ago my trusty 2001 Corolla was totaled in an accident. I was thinking about getting a different vehicle anyway so it wasn't the end of the world. After insurance finally cut me a check I went car shopping. My husband and I found a good value after a week or so and we decided we'd buy it. First time I've seen the Redditor not hestitate on reporting the family member. She still wonders if she did something wrong, though.
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Nov 13, 2018 19:27
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quote:The infuriating thing is that she has the money to pay it off but the late payments completely destroyed my credit down to a 570.
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Nov 13, 2018 19:38
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I'm inspired to check my credit report right now to see about my open accounts.... Edit: Content So I've surfed the StudentLoans subreddit before for solidarity and encouragement in paying off my own. Not long I stumbled upon a subreddit devoted to intentionally defaulting on student loans as an act of indignant protest. Things like this are pretty cute. Consequences of defaulting private student loans? https://old.reddit.com/r/studentloandefaulters/comments/9ujruv/consequences_of_defaulting_private_student_loans/ quote:I am graduating with over $270k in student loans and getting a professional license in California. If i decide to default the whole thing can the lender mess with my state issued license? quote:I can only answer a part of this. The lender will have to sue you first. Then wage garnishment is 25% of your income. "How come garnish when I don't pay?" 19 o'clock fucked around with this message at 20:10 on Nov 13, 2018 |
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Nov 13, 2018 19:57
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Begath posted:Another repeat of a common issue we see in this thread, Family probably should get some extra leeway, but I imagine this is not the first time mom has done something lovely like this. Could she drop charges on her mom, now that the issue is essentially resolved, or is it too late for that?
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Nov 13, 2018 20:07
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kimbo305 posted:570 to 770 is pretty amazing for so little effort, frankly. Turns out the one weird trick to good credit is reporting your family to LE
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Nov 13, 2018 20:07
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Bird in a Blender posted:Family probably should get some extra leeway, but I imagine this is not the first time mom has done something lovely like this. Could she drop charges on her mom, now that the issue is essentially resolved, or is it too late for that? I’m not a US lawyer but fraud is usually a public action crime. Once you report it, it’s up to the state to prosecute it or not.
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Nov 13, 2018 20:09
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Begath posted:Another repeat of a common issue we see in this thread, Jesus, I hope this person holds strong and leaves Mom out to dry.
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Nov 13, 2018 20:13
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Ur Getting Fatter posted:I’m not a US lawyer but fraud is usually a public action crime. Once you report it, it’s up to the state to prosecute it or not. IANAL but she was made whole, now the CC company needs their blood.
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Nov 13, 2018 20:20
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Man, I would imagine the legal department for most CCs are just salivating at the chance to prosecute that 1 identity stealing family member out of 100 that actually gets reported as a crime.
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Nov 13, 2018 20:35
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Bird in a Blender posted:Family probably should get some extra leeway, but I imagine this is not the first time mom has done something lovely like this. Could she drop charges on her mom, now that the issue is essentially resolved, or is it too late for that?
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Nov 13, 2018 20:38
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Enos Cabell posted:Man, I would imagine the legal department for most CCs are just salivating at the chance to prosecute that 1 identity stealing family member out of 100 that actually gets reported as a crime. Being a criminal offence isn't fraud prosecuted by the DA?
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Nov 13, 2018 20:41
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Enos Cabell posted:Man, I would imagine the legal department for most CCs are just salivating at the chance to prosecute that 1 identity stealing family member out of 100 that actually gets reported as a crime. Probably not, they probably don't really want to spend time and money supplying documentation to prosecutors regarding a bad debt that they have probably already charged off and is very unlikely to eventually result in restitution.
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Nov 13, 2018 20:49
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Yeah probably so, but drat you just hear about this poo poo so often and so rarely does the aggrieved party actually turn in a family member.
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Nov 13, 2018 20:53
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Submarine Sandpaper posted:IANAL but she was made whole, now the CC company needs their blood. The criminal action (going to the police, the police pressing charges and the state prosecuting) is different and separate from the civil action (recouping the damages caused by the criminal). All of which is in itself separate from the OPs actual objective, getting enough documentation so that the credit agencies would stop reporting that debt on her report.
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Nov 13, 2018 20:54
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My mother stole my identity to commit credit card fraud. Am I the rear end in a top hat?
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Nov 13, 2018 20:55
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BMan posted:My mother stole my identity to commit credit card fraud. Am I the rear end in a top hat? 
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Nov 13, 2018 20:58
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The Macaroni posted:OP in that case reported that her mom basically said that. "I was going to pay it baaaack, why would you do this to meeeeee?" she seems like a trustworthy person whom the OP should believe
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Nov 13, 2018 21:05
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My justice boner for that credit card fraud resolution is diamond.
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Nov 13, 2018 21:24
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Bird in a Blender posted:Family probably should get some extra leeway, but I imagine this is not the first time mom has done something lovely like this. Could she drop charges on her mom, now that the issue is essentially resolved, or is it too late for that? She's not the one "bringing charges" against her mother. That would be the DA. And the party to that is the credit card company who will not be "dropping the charges." All they need is the evidence from the cc company. And you know they will provide it because it's in their interest for the civil case they've already prepared for the money she stole from them plus interest plus legal fees.
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Nov 13, 2018 21:32
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Motronic posted:She's not the one "bringing charges" against her mother. That would be the DA. And the party to that is the credit card company who will not be "dropping the charges." All they need is the evidence from the cc company. And you know they will provide it because it's in their interest for the civil case they've already prepared for the money she stole from them plus interest plus legal fees. What exactly are the CC's damages? OP's mom was apparently paying the balance (albeit late, which is what hosed OP's credit score. Assuming the card was immediately shut down after it was reported, the credit card company would be made whole by collecting the last outstanding balance plus probably some interest fees and attorney fees and poo poo like that the card company will probably tack on just to be dicks. Honestly it seems like a waste of resources to have the DA prosecute this, just have the mom pay everything off and blacklist her so she can't open another card.
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Nov 13, 2018 21:37
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A personal BWM story. I was messing around with the public records search in my home county and found that a family member has a judgment against them for a $4,xxx debt. This was 6 years ago, and I still see $100 worth of interest being charged every month. The interest far outweighs the original charge. I wonder if any of it has been paid yet or not 
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Nov 13, 2018 21:40
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Ur Getting Fatter posted:What exactly are the CC's damages? OP's mom was apparently paying the balance (albeit late, which is what hosed OP's credit score. The money she still owes and the time they have spent to deal with it. Ur Getting Fatter posted:Assuming the card was immediately shut down after it was reported, the credit card company would be made whole by collecting the last outstanding balance plus probably some interest fees and attorney fees and poo poo like that the card company will probably tack on just to be dicks. You are describing their civil remedy, which is what I presented. They have an in house legal team who is surely rated on metrics which this will help, considering it looks like the mother is far from judgement proof, has been easily identified and has admitted to the fraud. Ur Getting Fatter posted:Honestly it seems like a waste of resources to have the DA prosecute this, just have the mom pay everything off and blacklist her so she can't open another card. Yeah, let's not prosecute identity theft fraud as long as it was "friendly". Surely that's the solution to our rampant identity theft issues.
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Nov 13, 2018 21:48
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Guinness posted:mods, thread title, etc https://forums.somethingawful.com/showthread.php?threadid=3599364 I'm waiting for them to notice
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Nov 13, 2018 22:07
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