quote: John Pytlak

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What was the transaction for? Maybe you bought something from a company that was part of RSS?

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quote: Dennis Benjamin

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It's odd, I couldn't find anything in Illinois. But I did find the below company, which is located in Plant City, Florida:

RSS Field Service Incorporated

Plant City, FL 33563

(813) 754-7160

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quote: Ron Curran

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My credit card company charges a fee for that.

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Hmmm, I'd be changing Creditcard companys if they did that shit!

Anyway Richard, I was under the impression it was your bank and not a CC company?

I use online banking and my by bank (Bank of America) lists the company and their telephone number for all direct transactions and pic copies of hand-written checks.

Any inquiry will be answered WITHOUT any bullshit or charges.

IF you don't have those features, I would seriously consider changing banks.
 

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Posted by Richard Greco (Member # 2032) on 07-02-2006, 01:05 AM:
 
I've got BOA, They refunded my card no questions asked. I called them up and they told me it would cost more than it was worth to investigate, so they paid it up front..
 

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Posted by Richard Hamilton (Member # 321) on 07-02-2006, 01:45 AM:
 
I recently wrote a 1000 dollar check to Circuit City. I forgot to transfer money to the account I wrote the check on. When I realized my mistake, they had tried to send the check through twice. I transferred enough money to cover my check.(this is a personal account I don't use much) Circuit City turned this over to a collection agency, even though they cashed my check! The collection agency somehow wrote a check on my account and collected their fee from my account. It was only 20 dollars, but it overdrew my account. Now my bank charges me 6 dollars a day because I am overdrawn on that account! I can see a photocopy of the check that the collection agency wrote, I did not authorize this check, just some shit that I will deal with when I return to the states next month. The copy shows the front and back of the check! It is signed "pre authorized debit" where I would sign my name.
 

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Posted by Louis Bornwasser (Member # 3063) on 07-02-2006, 09:44 AM:
 
I'm staying with paper for a proper paper-trail!!!! Louis
 

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Posted by Mark Gulbrandsen (Member # 72) on 07-02-2006, 10:52 AM:
 
Richard,

Thats exactly why I am at a Credit Union and not at a bank. My Credit Union offers so may services, many free, as to blow any bank out of the water! When there is a charge it is much less than a banks charges. I travel alot like you do and I don't have auto deposit and sometimes I get back in town and have two or three checks waiting to deposit... so I set up an overdraft account with them so I can still write checks and use my debit card while I am on the road without needing to worry about overdraft and the daily associated charges.

Mark
 

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Posted by Gordon McLeod (Member # 33) on 07-02-2006, 11:18 AM:
 
interestingly the canadian banking associations is moving towards a "paperless" system
One item is cheques have to machine written in a specific format and font and location (IE computor printed cheques)
Also they will no longer return cheques with your statement but provide a online source to view a scanned image
(when I questioned the requirement from CCRA for original paper documents for tax pureposes they responded that that was my problem)

http://www.cdnpay.ca/publications/pdfs_publications/imaging.pdf
 

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Posted by Mark Gulbrandsen (Member # 72) on 07-02-2006, 01:41 PM:
 
Gord,

My Credit Union has been doing that for longer than I've lived out here. I can view and print out copies(for free)of any checks I've written right on line and I also recently changed to an electronic statement as well. Saves on paper and I don't have to store it all! Wasted trees!

Interestingly the Utah Banks have tried to bring the Utah Credit Unions under the same State governed taxation laws that govern banks but to no avail. Credit Unions are non profit orginazitions! As a precaution my Credit Union which is the largest in the State changed to being a Federal Credit Union and any childlike State laws passed in that regard cannot affect them at all. Every year I think out of spite towards the Banks my Credit Union donates an in like amount of money that would normally be those taxes to the local school districts. It is well into the millions of dollars per year. I like that!

Mark
 

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Posted by Dan Zastrow (Member # 3796) on 07-02-2006, 02:52 PM:
 
Mark-you got it. Credit Unions are the only way to go. Great service and low fees. I do just what you do with a seperate part of the account for overdrafts and it doesn't cost anything. Good people too
 

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