- Report: #920104
Complaint Review: Brookshires
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| Brookshires 1400 Austin ave
Brownwood, Texas United States of America |
|
Brookshires Try and charge you a fee if you use ur over draft protection Brownwood , Texas
*Consumer Comment: Ashley is Correct
*Consumer Comment: Ripoff??
*Consumer Comment: Store?
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This report was posted on Ripoff Report on 07/31/2012 05:05 AM and is a permanent record located here: http://www.ripoffreport.com/r/Brookshires/Brownwood-Texas-76801/Brookshires-Try-and-charge-you-a-fee-if-you-use-ur-over-draft-protection-Brownwood-Te-920104. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search TipsThe Overdraft protection is there so that the business will be paid and you won't be charged a nsf from the business. Basically the "overdraft" money is the banks and you will have to pay it back as well.
To simplify it..
You owe business.... 50.00 You only have 35.00 in account. The overdraft pays that 15.00.
Now you are in deficit... 15.00 plus 30.00 NSF. You have to pay both amts to the bank.
The protection is there so you won't pay extra fees to the store in return check charges or if you use your debit you will still get your goods.
It's not a free money service.
I know this because my Mom got into a mess with it. She didn't know it worked that way.
She had 500.00 overdraft protection. One month she "bounced" a check..it was paid but they took 25.00 NSF(back then it was cheaper). The check was for 130.00. So out of her 500. overdraft amt..they took the 130.00. Plus the 25.00. When her checks came in they automatically took out the 155.00 which put the overdraft back up to the 500.00 amt but left her short to pay bills...so she had to use that overdraft to pay a bill. It was an cycle that she was stuck in. I helped pay a bill for her to get her out of that cycle.
The overdraft is a good thing to have,but you still have to pay it back.
#2 Consumer Comment
Ripoff??
AUTHOR: The Outlaw Josey Wales - (United States of America)
SUBMITTED: Tuesday, July 31, 2012
No ripoff here, this store did nothing wrong.
