Well we got fucking overdrafted. The bank just kept taking money out for purchases we didn't make…

Shitty! What bank do you have? Chase will erase overdraft fees once a year.

@kaylieann it's a local credit union. They aren't even supposed to let purchases through if you don't have the funds, and they supposedly didn't do overdraft fees either bc you aren't supposed to be able to go negative. I don't know what's going on.

@kaylieann I have no clue where it went to bc there are no purchases. And every transaction we do has to be approved by me through text (we've had issues w/fraud) but I didn't get a confirmation of any of these. I have no clue what happened.

I would ask to talk to the branch manager... do an audit on the account... if they were withdrawals there will be digital records of where/when they were taken from... and then you can figure out if someone got your info somehow! If they are fraudulent withdrawals you are not responsible for them or the fees... could take a few weeks to get the money back... but it's worth fighting for it!

@dreamermom I'm going up there when Isabelle wakes up. I called them and they said "well there are withdrawals, so you made a purchase." Buuut we didn't...that $61 purchase that made us go negative shouldn't be there bc nothing is supposed to go through if there are insufficient funds. And even on their end supposedly no point of sale comes up that shows where the transaction was made. It's so sketchy!

@scurlock.mommy, I'd go meet with the branch manager! Let him do some investigating... if you report them a fraudulent they should investigate it for you... calling you get the receptionist or a teller... i personally go to the top

It looks like they are overdraft fees, which means that they were probably attached to pending withdrawals, and hit them like a chain reaction. It had to have started because something was coming out of the account, and there wasn't sufficient funds available. It might not have been a purchase you made that day. Sometimes this happens when we forget we have an automatic withdrawal set up on a bill that repeats often, like insurance, or sometimes it's something you forgot you signed up for, like an annual subscription service. Or, it could be from a check that you wrote, by hand, that someone didn't deposit until now. But the bank can't just charge you an overdraft, if you haven't overdrafted your account. I am not trying to make you feel bad. Believe me. I have been there, more than once. Where you seem to have gotten especially hurt, is that the overdrafts hit in a chain reaction. Sometimes, if you have a credit card linked up to your checking account, you can have the overdraft fees come off of that credit card, and it automatically pays those overdrafts. But... If you hit your max, on your credit card, then your credit card can't pay the overdrafts. That might be what happened to you. I did that, several years ago, on my credit card. So don't feel bad. I know how easy it is to find yourself in this situation, when you don't remember when everything is due to come out of your account, or you're not keeping track of your credit card balance, especially if you don't think you're using it. That may not be what happened here, but I just wanted to share from my own experience,abd maybe it would help you figure out whay happened. When this happened to me, I decided to have 2 checking accounts. One for all bills and automatic payments, and one for shopping, like groceries. And don't have all of your bills set up for automatic payment, so that if you are short one month, you can decide what bill to pay late, so they aren't all affected. And BTW, if you have to pick one bill to pay late, don't choose your mortgage, if you have one, because that will really hurt your credit. I hope this helps. In no way am I justifying the fees banks charge. Because it's ridiculous. I just know that there is really very little any of us can do, to stop the fees. A very long time ago, my mom worked in a bank, and she was able to stop payment on some pending withdrawals, for me, so that I didn't get hit with the overdrafts. I was lucky my mom was watching my account, for me. I guess it is possible to get the bank to do that, (maybe?) but only if you contact them before those charges are no longer pending. Oh! And one more thing... Make sure you find out what the charge was, that caused the overdraft. Or if there was more than one... Because it could also have been fraud. I have had that happen to me twice. (that some place charged my checking account more than once, or some person just stole my info and made a charge on my account). Long story short, you've gotta have a record other than this list of overdraft fees, that shows what they correspond to. It's too bad that the bank doesn't just automatically freeze your account from being hit with multiple overdraft fees, by just stopping all pending withdrawals, but that's just not how it works. You aren't the first, and you won't be the last. I am sorry. Don't feel bad, though. It happens to pretty nice, smart people. Not just goofballs. (I am a bit of both.) I didn't mean to write you an essay, but I was just thinking of how I would talk to you about this, like you're a younger version on myself. I hope you don't feel like I was condescending. It gets really complicated, managing a family's money. My husband and I do it, together, and we still get overdrafts, sometimes. We still have to stop payment on bills, from month to month. It's hard to decide what to pay for, some months. Especially when you have car trouble, or your refrigerator dies. Take your anger and frustration, and put it into making a better game plan. (knowing how your accounts are linked, which you use for billing, and what the monthly charges are, ect). I know that you're going to need one, because We ALL do! Think of it this way... It's better to get a grip on what's going on with your money when you only have $90. Some dollars to lose, instead of much more! You're actually in a good position to prepare better, for your future, now, when there is no so much at stake. Good luck!

@scurlock.mommy @dreamermom had very good advice. I agree. If you're sure it's fraud, you have to advocate for yourself. They bank won't go out of their way to figure out if it was fraud, if you don't push to see what the charge was for. You absolutely should be able to see that. They are definitely required to show you that. I really hope you don't think I was talking down to you,explaining about managing your account. But really... It does get complicated. Like she said, make them show you what the withdrawal was for. I hope if you were a victim of fraud, that you get your money back, and it's not too stressful, in the meantime. Sorry for what you're going through. Bring that cute baby with you, to the bank! Maybe some extra baby charm will help things go your way. 😊

@ceruleansworn @dreamermom I'm here now about to go in lmao. Gonna try my hardest not to make scene. We have no credit cards (only store charge cards), we don't use checks, and we don't do auto payments. Everything weve purchased in the last week (including from yesterday) has already gone through, so I'd really like some answers.

@scurlock.mommy, go get them momma! 😅

@scurlock.mommy you go girl! Give 'em hell! 😤😊