Bank Of America taking bogus overdraft fees Woodstock Georgia

people are being Ripped-off by Bank of America, and other banks in the USA, what should we do?'

Batman: Fire-up the Batmobile, boy-wonder, & tell commissioner Gordon we're headed over to see him immediately!

Robin: Golly-jeepers, Batman, Alfred forgot to get gas in the Batmobile, what should we do?

Batman: We'll take the Bat-helicopter, hurry Robin!

Robin: O.K., I'll hurry!

Batman: I'm gonna call Aunt Bee and OP, in Mayberry, and let them know we won't be able to make the big cook-out tonight.

Robin: Golly-gee-willakers, Batman, I was looking forward to that! Floyd was gonna cut my hair, and Goober had an extra pair of spark-plugs he was gonna give us for the Batmobile!

Batman: Don't worry, boy-wonder, we'll head out next week. I'll let Aunt Bee know that something's come up, and the people of the USA need us!!!

Robin: Oh no, Batman, I think the CEO of Bank of America & his goonies just sabotaged the Bat-helicopter!!!!

Batman: Quickly, call Donald, and order a complete set of widgets immediately!!!

Robin: You mean Donald, the midget from the poem- DIGIT POEM?

Batman: Precisely, boy-wonder!!!

Robin: Should I call CUOMO?

Batman: Brilliant idea, Robin!!! Get him on the blower now!!!!

Robin: He's fighting FRAUD & CORRUPTION right now. They said it'll be about two or three years before he can talk!!!!

Batman: We'll have to take this one on by ourselves, since the rest of the system is corrupt! Quickly, we need to go!!!!

Robin: Maybe we need to get some SPYCHIPS from the governmemnt, huh?

Batman: What a 'piece of work' you are, boy-wonder! Did you take some on-line classes at Harvard recently?

Robin: Ya, I did!!! Batman, which CD do you want to listen to?

Batman: You pick! R.E.M. or Madonna is alright with me!!!

End.

Coming soon- MADONNA POEM

As has been proven to you time and time again.

As has been proven to you time and time again.

As has been proven to you time and time again.

As has been proven to you time and time again.

You overdrafted your account. Not the bank. If you have a problem with the fees, then why did you agree to them when you opened the account?

And you continue with this childish game of suggesting that people who do not buy into your claims must be in "cahoots" with the bank. Man up and take responsibility for your actions.

"Jim", you have no idea what you are talking about.

Unless you want to confess *your* affiliations with the bank and admit that you have examined my account history, in detail, then you are out of line. YOU don't know JACK, buddy.

You bank stoolies need to stop posting here as some kind of self-appointed experts who always find fault in the person who was ripped off's problems. There's no back seat in the Batmobile, Jim. Stop cutting in on Edgeman & Robert's territory...

BTW, NOBODY CARES what you're interested in, so bugger off.

I WAS RIPPED OFF BY BANK OF AMERICA! Believe it, folks.

Purpleknights, if you transfer money it is not immediately available in most cases; it can take 12-24 hours during a week, and an entire weekend if done on a Friday after cut-off. Rusty clearly screwed up and he wants a free pass on it. It's up to the bank to determine whether to give him a free pass on that and they probably won't or don't.

The fact that a transaction is pending means the money is not available. If your account balance is $200 and you have $100 pending, you don't have $200. You have $100 available to spend. This is a concept most children can answer on a math test, so it's a wonder how adults don't get this concept. You want the bank to use the account balance to determine overdraft status and it doesn't work that way. How much you have in your account is irrelevant. It's what's available to spend that ONLY matters. If you want the account balance to matter more, then stop using a debit card.

I'm not interested in learning it was just a simple mistake. I'm not interested in utilizing compassion as a way to fleece anyone, including a bank. Compassion has no purpose or use here; it only matters what the policy is - and it's pretty clear-cut because all banks have similar to identical policies. Rusty should use this experience as a lesson on how to avoid this mistake in the future, not to try and figure out how the bank was wrong.

Finally, telling people they should listen to what the OP said and look at it from his/her point of view is irrelevant. It doesn't matter what their point of view is in such a case. It only matters what the polcies the OP agreed to when the OP opened the account and continues to use today. If the OP wants to go through the account agreement and show us where the bank ripped him off, we're listening. Until then..... not a rip off.

There's basically two questions to help determine if the online transfer would have been credited to the account to cover the debits. First: was in done before the cutoff time for it to post the same day the transfer was made or did it post the next day? Second: does BOA post deposits/credits before or after the debits? If the credits are posted after the debits then the money was not available to cover the debits that came out of the account.

Some of you just do not get it....
Rusty says he transferred funds on line to cover the items that were pending. If I transfer money from my savings account into my checking account, then that money should transfer immediately. With online banking, it shows the transfer as being made at that moment, and the money is in the account. Same deal as when he goes into the bank and deposits cash. the cash should be in the account immediately. It does not have to be 'held' for any reason. Whether you think so or not, PENDING transactions have not yet POSTED to the account, so how can a fee be assessed for a transaction that has not yet been processed? If they can charge a fee for pending items, then why can they not give me a 'temporary credit' for held items, until they actually post? What the banks are doing may be legal, but it does not make it right! What they are actually doing is finding ways to screw the customer. Why do you people continually defend these banks' practices, which are at best, highly questionable, and certainly raises ethical questions. If you people say that cash money cannot be reflected to show an immediate credit to an account, without first being 'posted', then how does it make ANY kind of sense that you can charge a fee for items that have not yet posted? This is clearly a double-standard, designed to create fees for the consumer. I clearly understand the OP's complaint.


Thank You, you have better explained what I guess I 'tried' to say.

I was charged overdraft fees when there was enough money in my account to cover the withdrawals (after an online transfer, but until bogus overdraft fees were pulled out FIRST). Yes, at first I saw PENDING charges that would take my account into the negative. BUT, I moved money online, then physically deposited cash, BEFORE they were POSTED. That has happened a couple times before, NOT intentionally, and NOT frequently, and in my 20 years of banking with C&S, turned NationsBank, turned Bank of America have never been charged overdraft fees when sufficient funds were present to cover my expenses. But, it happened this time, and thats why I'm here, as are others who have had the same crap happen to them.

Edgeman & Robert. Thanks again for your canned responses on how to properly manage my money. I appreciate your interest, but you will need to agree to disagree with my case and move along now. I got screwed, I'm pissed, and the bank has been reported. If and when I get a resolution, I will be happy to come report it in this thread, if still available.

was posted as an 'Update' to Susan's Ripoff Report from a few weeks ago. Make sure to read it, along with 'HARVARD PROFESSOR POEM', and a few others that are posted there.

I believe Susan's Report went like this- RIP OFF REPORT BANK OF AMERICA WHEN IS.....

POWER TO THE PEOPLE

Rusty says he transferred funds on line to cover the items that were pending. If I transfer money from my savings account into my checking account, then that money shoukld transfer immediately. With online banking, it shows the transfer as being made at that moment, and the money is in the account. Same deal as when he goes into the bank and deposits cash. the cash should be in the account immediately. It does not have to be "held" for any reason. Whether you think so or not, PENDING transactions have not yet POSTED to the account, so how can a fee be assessed for a transaction that has not yet been processed? If they can charge a fee for pending items, then why can they not give me a "temporary credit" for held items, until they actually post? What the banks are doing may be legal, but it does not make it right! What they are actually doing is finding ways to screw the customer. Why do you people continually defend these banks' practices, which are at best, highly questionable, and certainly raises ethical questions. If you people say that cash money cannot be reflected to show an immediate credit to an account, without first being "posted", then how does it make ANY kind of sense that you can charge a fee for items that have not yet posted? This is clearly a double-standard, designed to create fees for the consumer. I clearly understand the OP's complaint.

Rusty may accuse you of being in "cahoots' with the bank. That appears to be his method for attempting to discredit people who try to explain how this happened to him.

Rusty - it's obvious from your own posting that you were trying to float funds; you can't deny it. When you write:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

That is exactly what floating is, so don't come here and tell us you didn't. You tried to race money to the bank to beat the pending transactions. Except that there is no float anymore. You can't race money to the bank unless you can run faster than the speed of light. You were toast the minute the charges were pending - because you spent money you did not have. But here's the best part:

This would have happened at any bank and credit union. You can't blame any specific bank for the irresponsible acts of an account holder mismanaging their own money. Certainly complaining here will do nothing and reading fractured poetry even less so. If you want to remedy this situation:

1. Stop using a debit card for the smallest transactions. Use cash.
2. Keep an accurate check register - and maintain it.
3. Stop relying on an online system to tell you your balance.

If you do this, it won't matter how a bank posts transactions, it won't matter how long a merchant takes to approved your transaction, it won't matter when a check clears - there is no way your bank can overdraw your account. Only you can.

Best of luck to you

Rusty - it's obvious from your own posting that you were trying to float funds; you can't deny it. When you write:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

That is exactly what floating is, so don't come here and tell us you didn't. You tried to race money to the bank to beat the pending transactions. Except that there is no float anymore. You can't race money to the bank unless you can run faster than the speed of light. You were toast the minute the charges were pending - because you spent money you did not have. But here's the best part:

This would have happened at any bank and credit union. You can't blame any specific bank for the irresponsible acts of an account holder mismanaging their own money. Certainly complaining here will do nothing and reading fractured poetry even less so. If you want to remedy this situation:

1. Stop using a debit card for the smallest transactions. Use cash.
2. Keep an accurate check register - and maintain it.
3. Stop relying on an online system to tell you your balance.

If you do this, it won't matter how a bank posts transactions, it won't matter how long a merchant takes to approved your transaction, it won't matter when a check clears - there is no way your bank can overdraw your account. Only you can.

Best of luck to you

Rusty - it's obvious from your own posting that you were trying to float funds; you can't deny it. When you write:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

That is exactly what floating is, so don't come here and tell us you didn't. You tried to race money to the bank to beat the pending transactions. Except that there is no float anymore. You can't race money to the bank unless you can run faster than the speed of light. You were toast the minute the charges were pending - because you spent money you did not have. But here's the best part:

This would have happened at any bank and credit union. You can't blame any specific bank for the irresponsible acts of an account holder mismanaging their own money. Certainly complaining here will do nothing and reading fractured poetry even less so. If you want to remedy this situation:

1. Stop using a debit card for the smallest transactions. Use cash.
2. Keep an accurate check register - and maintain it.
3. Stop relying on an online system to tell you your balance.

If you do this, it won't matter how a bank posts transactions, it won't matter how long a merchant takes to approved your transaction, it won't matter when a check clears - there is no way your bank can overdraw your account. Only you can.

Best of luck to you

Rusty - it's obvious from your own posting that you were trying to float funds; you can't deny it. When you write:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

That is exactly what floating is, so don't come here and tell us you didn't. You tried to race money to the bank to beat the pending transactions. Except that there is no float anymore. You can't race money to the bank unless you can run faster than the speed of light. You were toast the minute the charges were pending - because you spent money you did not have. But here's the best part:

This would have happened at any bank and credit union. You can't blame any specific bank for the irresponsible acts of an account holder mismanaging their own money. Certainly complaining here will do nothing and reading fractured poetry even less so. If you want to remedy this situation:

1. Stop using a debit card for the smallest transactions. Use cash.
2. Keep an accurate check register - and maintain it.
3. Stop relying on an online system to tell you your balance.

If you do this, it won't matter how a bank posts transactions, it won't matter how long a merchant takes to approved your transaction, it won't matter when a check clears - there is no way your bank can overdraw your account. Only you can.

Best of luck to you

at Ripoffreport.com

It's that simple!

One simple Ripoff Report can do more damage to a company, or a corporation, than anyone could imagine!

Let's face it, 'SLUDGE POEM' was obviously part of the reason that Jim Press QUIT his position as CEO of Toyota on 9-6-2007, correct? That poem was posted on 8-23-2007, exactly two weeks BEFORE he QUIT, right?

And if you 'Google' this- SLUDGE POEM, you can read it, & you'll understand that it is 100% true, huh? And we all know just how powerful songs can be, right? So if you 'Google' this- RIP OFF REPORT TOYOTA CHRISTMAS SONG #2, you can sing it & you'll feel the POWER of that song which was posted on 9-3-2007, just three days BEFORE Jim Press QUIT, correct?

I'm certain that we all know he QUIT his CEO position with Toyota on 9-6-2007 because if you 'Google' this- JIM PRESS, you can read about it at the Bloomberg.com site, huh?

So, Don't take 'em to court- just file a Report; at Ripoffreport.com

I'm Karl, and I approve this Update, along with all of my poems!

Rusty, your situation was entirely of your own making. If you wish to believe that I am in "cahoots" with the bank, then hold that notion to your breast. The truth is, my only involvement with Bank of America is holding a free "MyAccess" checking account that I use occasionally. My primary accounts are at US Bank and I also have an account at the credit union that gave me my current auto loan.

Your theory is cute, but you fail to take into account that I also provide input in threads concerning 5/3 Bank, Wells Fargo, Wachovia, US Bank, BB&T, and what used to be known as Washington Mutual. Do you think that I am in "cahoots" with those banks as well?

I noticed that you had to resort to an insult, generally a sign that you do not have a coherent argument. You also don't refute the fact that you were given solid advice on how to avoid overdraft fees in the future. I personally don't see any reason to pay overdraft fees but if you wish to continue paying them, feel free to ignore my advice and make childish implications that Robert and I are in "cahoots" with the bank.

Personally, I think that you are better off manning up, taking responsibility for your actions and practicing better financial management strategies.

So... are you going to start that class action lawsuit?

It is apparent that you will just dismiss anything that goes against what you think, but heck lets give it another try. The fact is you did float transactions, whether or not it was intentional does not matter. You can't beat the money back to the bank, no matter how hard you try.

What if you get pulled over for speeding. Even though you didn't "intend" to speed, you are still probably going to get the ticket and have to pay a hefty fine. This is because you broke the rules of the road. It is no different with banking. If you break the rules of the bank by floating transactions, they will charge you overdraft fees. If you don't like speeding tickets what do you do..of course you watch your speed. So why when it comes to managing their accounts people don't think they need to watch their balances to avoid these accidents?

As I said before, go ahead take your money out and put it in another bank. But keep track of your balances so these accidents don't happen. If you don't learn and change your ways then the next time you didn't intend to float transactions, everyone here will be waiting for your RipOff report on how the next bank is taking your money.

It is apparent that you will just dismiss anything that goes against what you think, but heck lets give it another try. The fact is you did float transactions, whether or not it was intentional does not matter. You can't beat the money back to the bank, no matter how hard you try.

What if you get pulled over for speeding. Even though you didn't "intend" to speed, you are still probably going to get the ticket and have to pay a hefty fine. This is because you broke the rules of the road. It is no different with banking. If you break the rules of the bank by floating transactions, they will charge you overdraft fees. If you don't like speeding tickets what do you do..of course you watch your speed. So why when it comes to managing their accounts people don't think they need to watch their balances to avoid these accidents?

As I said before, go ahead take your money out and put it in another bank. But keep track of your balances so these accidents don't happen. If you don't learn and change your ways then the next time you didn't intend to float transactions, everyone here will be waiting for your RipOff report on how the next bank is taking your money.

It is apparent that you will just dismiss anything that goes against what you think, but heck lets give it another try. The fact is you did float transactions, whether or not it was intentional does not matter. You can't beat the money back to the bank, no matter how hard you try.

What if you get pulled over for speeding. Even though you didn't "intend" to speed, you are still probably going to get the ticket and have to pay a hefty fine. This is because you broke the rules of the road. It is no different with banking. If you break the rules of the bank by floating transactions, they will charge you overdraft fees. If you don't like speeding tickets what do you do..of course you watch your speed. So why when it comes to managing their accounts people don't think they need to watch their balances to avoid these accidents?

As I said before, go ahead take your money out and put it in another bank. But keep track of your balances so these accidents don't happen. If you don't learn and change your ways then the next time you didn't intend to float transactions, everyone here will be waiting for your RipOff report on how the next bank is taking your money.

It is apparent that you will just dismiss anything that goes against what you think, but heck lets give it another try. The fact is you did float transactions, whether or not it was intentional does not matter. You can't beat the money back to the bank, no matter how hard you try.

What if you get pulled over for speeding. Even though you didn't "intend" to speed, you are still probably going to get the ticket and have to pay a hefty fine. This is because you broke the rules of the road. It is no different with banking. If you break the rules of the bank by floating transactions, they will charge you overdraft fees. If you don't like speeding tickets what do you do..of course you watch your speed. So why when it comes to managing their accounts people don't think they need to watch their balances to avoid these accidents?

As I said before, go ahead take your money out and put it in another bank. But keep track of your balances so these accidents don't happen. If you don't learn and change your ways then the next time you didn't intend to float transactions, everyone here will be waiting for your RipOff report on how the next bank is taking your money.

From the original report:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

And:

"Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts."

This whole situation started because you sent more money than you had in your account. You then attempted to deposit money to cover those transactions but it didn't work. My advice stands... stay within your available funds balance at all times. Do not assume that a deposit will cover prior transactions. In most situations, they won't.

I'm actually glad that you resurrected this topic because there was a line in the original post that I intended to address:

"I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me."

There is a lot of online "tough talk" on this site about starting a class action lawsuit but remarkably little follow up. Why don't you start a class action lawsuit and post the docket number here?

From the original report:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

And:

"Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts."

This whole situation started because you sent more money than you had in your account. You then attempted to deposit money to cover those transactions but it didn't work. My advice stands... stay within your available funds balance at all times. Do not assume that a deposit will cover prior transactions. In most situations, they won't.

I'm actually glad that you resurrected this topic because there was a line in the original post that I intended to address:

"I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me."

There is a lot of online "tough talk" on this site about starting a class action lawsuit but remarkably little follow up. Why don't you start a class action lawsuit and post the docket number here?

From the original report:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

And:

"Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts."

This whole situation started because you sent more money than you had in your account. You then attempted to deposit money to cover those transactions but it didn't work. My advice stands... stay within your available funds balance at all times. Do not assume that a deposit will cover prior transactions. In most situations, they won't.

I'm actually glad that you resurrected this topic because there was a line in the original post that I intended to address:

"I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me."

There is a lot of online "tough talk" on this site about starting a class action lawsuit but remarkably little follow up. Why don't you start a class action lawsuit and post the docket number here?

From the original report:

"I saw there were a couple small charges pending (NOT POSTED) the evening prior, so I online transferred $ to more than cover them."

And:

"Knowing that I had 2 new charges on the way, I immediately went to the local branch and deposited cash in that account and added more cash still to the account that covers overdrafts."

This whole situation started because you sent more money than you had in your account. You then attempted to deposit money to cover those transactions but it didn't work. My advice stands... stay within your available funds balance at all times. Do not assume that a deposit will cover prior transactions. In most situations, they won't.

I'm actually glad that you resurrected this topic because there was a line in the original post that I intended to address:

"I see the reports just like mine coming from everywhere, and it looks ripe for a class-action lawsuit to me."

There is a lot of online "tough talk" on this site about starting a class action lawsuit but remarkably little follow up. Why don't you start a class action lawsuit and post the docket number here?

Watch out for the Dynamic duo of....(insert batman music here) EDGEMAN!!! and his trusty side kick ROBERT. Yes, ladies and Gentlemen, Edgeman & Robert are here in your complaint threads to ensure you feel at fault after being ripped off. They are the supreme keepers of perception, making sure the casual observer gets the everpresent 'devil's advocate' view of how its is normal and quite O.K. that the banks screw you over. After all, its YOUR FAULT! They DID tell you that already, didn't they? (or maybe just one of them - sometimes Edgeman lets his sidekick Robert drive the batmobile all by himself).

Edgeman and/or Robert's name are in almost every thread in which consumers have been screwed by BofA. At least one of them claims NOT to work for the bank, but lets see...Let's play 'Find any other names that appear in almost every single thread and only in support of the bank', shall we? Hmmm...yeah...um...well...mmmkay, that was a quick game. If you DON'T work for the bank, why the HUGE interest in everyone elses issues with BofA?

In 10 short days, they have been in the following 10 threads, posting several times in total support of a Bank that does not care about its customers. They spread misinformation in an attempt to discredit disgruntled consumers. They twist events and make you feel like your issues with BofA's poor attitudes and policies are YOUR FAULT. I did not look further back than 10 days, but I can guess what I'd find...

Bank Of America How do they sleep at night?
Edgeman

Bank Of America This bank is charging fees to non customers
Edgeman

Bank Of America Unfair excessive (over 15) overdraft fees
Edgeman & Robert

Bank Of America taking bogus overdraft fees Woodstock Georgia
Edgeman & Robert

BofA - Visa BofA - Visa simply closed my 'good standing' acct
Edgeman

Bank Of America No Wonder They Don't Need Bail Out
Robert

BANK OF AMERICA WILL STEAL YOUR MONEY (THOUSANDS)
Robert

Bank Of America Steals Money For Their Own Gain
Edgeman & Robert

Bank Of America Bank of America is taking bogus overdraft fees ~ Marietta Georgia
Edgeman

Bank Of America ,n**i's Bank of America lower limit for no reason!!!!
Edgeman & Robert

I report - YOU decide. Are the Not-so-dynamic Duo in major cahoots with the bank? Will EDGEMAN & ROBERT appear at the same same bat-time and same bat-report thread vowing their innocence? STAY TUNED to find out!

Thank you EDGEMAN & ROBERT for the valuable lessons in keeping a checkbook, I am forever a changed man.

I did not intentionally 'float' anything. But when a problem arose, I transferred monies to cover. The overdraft fees were pulled BEFORE covering outstanding charges to INTENTIONALLY CREATE FURTHER OVERDRAFTS. That was the whole point of my complaint. THATS THE SCAM!! Then they did it AGAIN after I deposited CASH.

Dolts.

That's why you had to try and beat the transactions with more money. You got caught and have to pay the price. Stop spending what you don't have. It's the same at ANY bank.

Actually EDGEMAN, I did not intentionally 'float' anything. But when a problem arose, I transferred monies to cover. The overdraft fees were pulled BEFORE covering outstanding charges to INTENTIONALLY CREATE FURTHER OVERDRAFTS. That was the whole point there, Einstien. Then they did it AGAIN after I deposited CASH. BofA SUCKS!

It's clear from your report that you are attempting to float transactions. You mentioned transactions that were pending but had not yet posted.

There was once a time when you could deposit money to cover pending transactions but those days are gone. You cannot assume that deposits will cover prior transactions. If your available balance is $500.00, you must stay within that $500.00. If you don't, you will be assessed O/D fees.

My best advice is to keep a check register or ledger and use it properly. Do not use online or phone banking to learn your balance, rely upon your own records. When your balance gets low, stop spending until you make a deposit.

The automatic "You must work for the bank" response..

Well I have never worked for this or any other bank. So if you want to take your money out go right ahead I could really care less. But don't expect any other bank you go to to be any different if you don't change your ways. Because I did notice you didn't seem to disagree with the fact that you were using the "float", and not keeping an accurate register.

True that if Bank of America keeps treating its customers the way they have been, they will suffer *even more* lost business. Further, if enough people who are dissatisfied with Bank of America choose to vote with their money and remove enough of it, certain people who live in Irvine California who may or may not be named Robert may have to look for a new job.

True that if you feel you have been ripped off by any National Bank you can report them to the US Department of the Treasury through an online Customer Complaint Form here: https://appsec.helpwithmybank.gov/olcc_form/

1) Massive FRAUD has taken place throughout corporate America. - TRUE!

2) Americans have lost over $11 TRILLION in wealth since October 2007. - TRUE!

3) No 'WEAPONS OF MASS DESTRUCTION' were found in Iraq. - TRUE!

4) Millions of jobs have been lost in America in the last 15 months. - TRUE!

5) Bank of America received TAXPAYER'S bail-out money known as 'TARP'. - TRUE!

6) The Dow Jones has lost over 6,000 points since October 2007. - TRUE!

7) AIG received about $180 BILLION in TAXPAYER'S money. - TRUE!

8) On Wednesday of this week 'The News Hour with Jim Lehrer' showed many people living in a 'tent city' in Sacramento California. - TRUE!

9) In March of 2009 another 650,000 people lost their jobs. - TRUE!

10) The WORLD ECONOMY continues to shrink at an ALARMING rate. - TRUE!

11) The Congo, in Africa, just saw over 300,000 jobs lost in their Copper Mining Business in just the past month or so, as reported on 'The News Hour with Jim Lehrer'. - TRUE!

12) ALL of the problems that we're seeing STARTED here in the USA, as a result of FRAUD, CORRUPTION, DECEPTION, MANIPULATION, GREED, LIES, & the CONSTANT PURSUIT TO FINANCIALLY INJURE THE INNOCENT PEOPLE in the USA, & AROUND THE WORLD. - TRUE!

End.

I'm Karl, and I approve this Update because it's 100% TRUE!

WELCOME TO AMERICA- IN FRAUD WE TRUST!

P.S. Don't forget to sing- 'WEB SONG'. Simply 'Google' this- SOCIAL MEDIA WILL CHANGE YOUR BUSINESS, and go to the BusinessWeek article. It is posted in the comments section. It was posted on March 31st 2008 at 6:00 PM.

HAPPY ONE YEAR ANNIVERSARY 'WEB SONG'!!!!!

Sing a song- you can't go wrong!

POWER TO THE PEOPLE

"....We have absolutely no proof as to when a charge is going to be posted to our accounts from a check card. The bank is in total control as to when these hit, and and they "claim" that they have no control over when the vendors submit the charges..."

- The bank is correct they have no control of when the vendor submits the charges, you are wrong in saying the bank has total control. You really think that BofA or any bank is going to go to thousands of stores each and every day and tell them that they must through their books, finalize and submit their charges by a certain time?

The fact is that there is only one person who has total control..YOU. Yes imagine that, you actually have to take personal responsibility for your account. What is this world coming to. From that above statement it appears as if you are relying on the "float". You can't do that anymore, you have to treat the money as gone the second you swipe your debit card or write a check.

The answer is as simple as it has always been. Keep an accurate register, and don't spend more than you have AVAILABLE(even if you think it will float for a day or two). If you do this a magical thing happens. You won't overdraft and they don't get their overdraft fees.