M&T has taken well over $2,000 in NSF fees in the last couple months. I have 3 children and live paycheck to paycheck. I am now in fear of losing my home and becoming homeless. I filed a complaint with the Fed Reserve and the BBB and wrote to my Congressman. Nothing was done. Most of these fees on debits less than $10. They just took the Christmas money I was going to spend on my children. They took my Mortgage money. They took my Utility bill money. They took my vacation money. They will not stop. My total balance does not even go negative. HELP!!!!!

I am looking into starting a class action lawsuit against the banks. I would like to start getting a list of names and emails at first, eventually they will require more information. I have an account at Bank of America. They changed they system or policies most likely their systems and I have incurred $200 worth of overdraft fees. My favorite part is when they charge you the $10 overdraft transfer fee then another $35 nsf fee when that transfer amount isn't enough. Also I wrote a couple of checks i forgot about, but there was a fee that was pending the day before, so instead of 2 fees they charged me 3 fees. But according to their new terms they start charging fees based on pending wd that come in and cause the balance to go into a negatiave "available" balance. That being the case, the charge that was pending had enough funds, it wasn't until the 2 checks that cleared did my account get overdrawn so I should have received 2 fees not 3. I'm tired of banks making up the rules as they go along and just like the credit card companies the banks should have fairer rules. I found one case but haven't really looked at the particulars, actually there have been many class action suits that get settled before they get too far.

I have had similar problems that Kimberly had involving PNC bank. While they did not freeze my overdraft protection, they were holding deposit's and transactions. Because they were holding check card transactions, some for several days, which I felt was odd, it was causing overdraft fees.

They were taking out larger transactions leaving smaller ones sit. The smaller transactions would then catch up with their "magical" banking date causing a negative balance which in turn would cause the overdraft fees.

The deposit's that were made prior to the overdrafts the never seemed to work on the same system. For what ever reason the deposits were held until after the overdraft. Some transactions would snowball causing more fees.

I did attempt to rectify the problem and regain the fees that were taken with PNC employees, including employees which they told me were higher in authority then them, however none of them wanted to hear it or refund the fees. I have stopped trying.

I just find it really odd that we live in a society that is instant until it comes to the banking system benefitting from your money being taken from you. Truly a legal way to steal. I have always closely monitored my banking online to avoid such fees, however I feel they make that just as confusing which in turn caught me into their fee trap on three occasions.

I did find that if you use you pin number at stores that accept MAC/Visa Check Card, the money is taken from your account "instantly" which shows up online. Bank employees never told me this, WHY? Why can't this happen with a visa check card transaction that show up days after the transactions? Why can't this happen with your deposits that aren't available until days after it is made? Fees were over $150.00 for 3 transactions in one day that totaled less then $12.00.

On another note, the reason why I'm posting this is because I also have a loan with PNC. This loan is automatically paid every month by auto draft and it has been that way for the past 5 years, never late, no problems, no late fees.

Sometime in February my wife called to suspend the the auto payment for one month for fear of our deposits being held to avoid overdraft fees. Now February had 28 days and the payment was always scheduled on the 30th of each month.

PNC wanted their money which in turn caused a late fee for the loan payment. I want to add my wife is not named on this loan, don't get me wrong, I do not have a problem with her involvement in our finances. What happened was she had suspended the payment and then called sometime after to have PNC take the payment out, however she was too late, thus the late fee.

My wife figuring the payment was made after calling was watching for it to be deducted from our account but didn't think anything of it when it wasn't because as stated above transactions rarely show up immediately when they are deducted. We are talking a weeks time.

Because the payment wasn't made PNC began to call my work. After I contacted them I learned they never took the payment out, reason, my wife wasn't authorized to make the payment. HMMMMMMM. My first call was to make the payment, I did so and told them not to take the late fee out. I was angry about the late fee and wasn't going to pay it. The lady was happy take the payment and did not kick up a fuss over the late fee.

I then called my wife and learned that she had called them as stated above. I then called PNC bank a second time to inquire about the late fee. I felt they were too easy to accept the payment less the late fee and my concern was were they going to charge me interest on the late fee. In a nut shell after them telling me they kept logs and calls were recorded and because my wife had suspended the payment the fee would not be retracted.

Several transfers later, because nobody can seem to answer easy questions or pull information from the almighty computer system unless it benefits them, a male who was throwing dates of conversations out at me stated my wife was authorized to make decisions on the account. At that point I asked him to look at his computer for the date that request was made.

You see, I added my wife as an authorized user when I called the first time to make the payment. After the male realized this he provided a lame excuse and still advised me he was unable to waive the fee. The male added he only saw the fee waived 2 times during his time working there. He did feel if I called the bank, which I thought I was talking too, again only when it benefits them, they would waive the fee.

I then asked him if I didn't pay the late fee would I be charged interest; he replied yes. I then asked him why the the lady didn't tell me that when I made the payment; he stated she should have. I paid the late fee and refuse to call anybody else at PNC bank. Late fee $67.14.

I don't normally post blogs, as a matter of fact this is the first one, but I am tired of banks, credit card companies, utility companies, and cell phone companies taking advantage of the people that made them successful. It needs to stop.

Not to get political here but these are things that should be regulated and I'm sorry when they do regulate some of them it should take effect immediately and not allow them 8 months to figure more ways to suck more money from you. I do believe in strength in numbers I and hope my post will add to the similar posts in an attempt to change the way the banks do business. Bob.

I recently discovered my bank (M&T) had charged me an insufficient fund fee. I had deposited a check from a hardship withdrawal of my 401k plan through ALCOA. I’ve been on FMLA for over 5 weeks and won’t return until the 21st of may in 2013. I also transferred funds from one of our other M&T accounts prior to making payment arrangements for our mortgage in May. The total balance after the deposit and transfer was over 1700. But according to M&T since my 401k check was issued from a bank in another state it made the available balance inadequate to pay the mortgage. So after the ”dust'” settled. I’m left with a little over 700 dollars. So to review the account had 210+1090+420 that equals 1720-835 =885. Minus the 38.50 insufficient bologna fee =846.50. This all occurred within 2-3 business days max. Going to start using money cards and money orders. I just want my money back. I know I won’t see it. So I guess it’s a lesson that cost me 38.50 to learn. Banks are run by thieves and liars. Interesting, since the first banks known in history were established by the same people that allegedly murdered Jesus.