Just seeing if you guys have heard of this b/c I hadn't and think its messed up....



I recently deposited a $25 check that I rec'd as a gift. A few weeks later, I got a letter in the mail from my bank saying that I was being charged $25 as well as a $15 "stop payment" fee because there were insufficient funds in the gift-giver's bank account.

I can understand them "charging" me $25 since it was originally deposited, but why do I have to pay a $15 fee because the OTHER person had insufficient funds?

I feel bad that someone didn't have $25 and they tried to give me $$ anyway.

 

your bank sucks.

 

I'd yell at your bank to get that dropped.

 

Should I dispute it? Its only $15, but its just the point of it all.

 

Switch bank because that is ludicrous.

 

You've never heard of a bounced check?

 

I just don't understand....and I've had the bank since I was 16....kinda lame IMO.

I just ordered new checks, I don't really wanna switch banks, I've never had any other problems h:

I have, but why would I get charged for someone else's financial issues?

 

You should have just gone to that persons bank to cash the check.

 

I wasn't cashing it, I was depositing it....along with quite a few other checks. Hence why I went to my own bank.


Forgot to mention that they sent me a "copy" of the check (doens't look like the check, just has the info.) and said that I could use it just like the original check. There's no way I'm going to try to cash it, I feel bad for the dude!

 

i'd go in and talk to someone

banks are usually pretty good about reversing fee's if you go in and talk to them, at least in my experience