Huntington Bank huntington did it to me ....real good Zanesville Ohio

Ok, I just read the 2 replies to my comments & do agree with some of what you guys said but not all of it.

As far as the bank charging us large fees so that it teaches us a lesson, I don't totally subscribe to that. If a customer is a chronic offender, than maybe they deserve that. But for someone that rarely ever overdraws their account & usually watches their bank account like a hawk, to be taught a lesson or penalized like this is a bit much. Especially when someone gets charged $37.50 for something that cost a $1.25 like a stamp at the post office.
I really don't think it's alot to ask of a bank to either lower the penalty or deny the transaction outright if the fee is gonna cost you 30 times the purchase price.

I agree that having a bank call you to tell you your balance is low is a bit unrealistic & that's not really what I meant when I said they should give us some warning. What I meant was that when you don't have enough money to cover a check or debit card, the banks should act like a credit card company by declining the charge. That way you know you are low or have no more money left. Also, if I have 4 pending charges that are going to go through tomorrow totaling $70 & I have $100 in the bank & the online statement says i'll be ok but then a check goes through afterwards for $100, why is that check going through first? The bank may say that this is becuz they deem it more important but I truly believe that this is just a way to make more money off of us. Instead of one OD fee, you end up with 4 or even 5 in a row like I did. Now I do agree that it's mainly the consumers responsibility to watch their account & using a check register is a really good idea. I do myself. But occasionally a person forgets to write something down & makes a small mistake. These small mistakes that people make are adding up to Big Bucks for the banks & making people like myself that much poorer. That just isn't right. Especially now that they're taking billions of dollars from the taxpayers in bailouts. I ran out of money. Where's my bailout? It seems that we consumers aren't the only one's who can't handle our money. But we're the ones who get stuck with the huge fees, not the banks.

I'm a little in shock over your response to the original poster..

You said this>>>"What they're complaining about is how these banks charge exorbitant fees for small mistakes & don't give you any warning when your balance is dangerously low. They also don't give you anytime to get more money in your account to cover the NSF's
WHY should any institution give you any kind of warning? The banks have way more than just you as a customer. You cant possibly think they can phone everyone who is close to overdrawing their accounts? It should be presumed that when you have a checking account that you're an adult....possibly even a working adult......that SHOULD by now, have accepted responsibility for themselves and their actions.

How anyone can expect to operate a checking account with any degree of accuracy without an accurate check register is beyond me. NO one has a memory that's THAT good....good enough to remember every transaction to the penny over any period of days. Without a good register you dont have much of a chance to NOT overdraw eventually.

Zach - it's obvious the damage was done by the consumer who is clearly mismanaging her funds and blames the bank for her issues. Of all these types of complaints I read on this site - over 90% have no legitimacy to them. NSF fees are designed to be exhorbitant - they are a penalty for mismanaging your funds, regardless of how much - or little - you overdraw the account. Letting people off the hook because they can't manage funds won't work here.

Barbara - your key error here is depending on anything other than what was in your written check register. Online balances aren't accurate and if you depended on them to tell you your balance - it's no wonder you overdrew your account. What happened to you here would happen to you at any bank. If you keep a written register, and leep it accurate, you'll never have a problem at any bank - including this one. Best of luck to you.

RE: "The bank didn't do it to you!! You did it to YOURSELF! Two words for you:CHECKBOOK REGISTER!! Nuff said."

I got 2 words for you: No Duh! Why would you come on here & taunt people who have a legitimate gripe about banks charging exorbitant fees? Do you work for a bank or something? I just love how people come on here & taunt & lecture people who are complaining about exorbitant OD fees that banks charge people. No one's saying that you shouldn't pay any fees for not watching your account. What they're complaining about is how these banks charge exorbitant fees for small mistakes & don't give you any warning when your balance is dangerously low. They also don't give you anytime to get more money in your account to cover the NSF's. I got charged $37.50 for a $1.25 stamp at the post office. That's just wrong plain & simple! The reason it didn't go through was because the bank had just charged me 4 other OD fees which totaled $187.50 The pending items that they were for totaled no more than $70. That's outrageous! If there are going to be charges for NSF they should be a certain percentage of the transaction total not a flat rate. That is just putting people into deeper debt & making these d**n greedy banks even that much richer.

Without going into the real reason why this happened, just let me say the bank didn't do it to you!! You did it to YOURSELF! Two words for you:CHECKBOOK REGISTER!! Nuff said.