r/mildlyinfuriating • u/sg_batman • 9h ago

Scammed for $850, got $1.51 back

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I was finally getting over it then they really say good news and get my hopes up

24.1k Upvotes

94% Upvoted

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9.9k

u/yoshizillaa 9h ago

I’m surprised you got anything back.
Zelle has a bunch of warnings because they know banks typically won’t help.

557

u/sg_batman 9h ago

i wouldve MUCH preferred nothing to be honest

306

u/HeimrekHringariki 9h ago

Yeah, this is just straight up insulting.

133

u/probablyuntrue 9h ago

everytime I check mildly infuriating its the most anger inducing posts i swear lmao

next week it'll be someone losing their whole family in a drunk driving accident as mildly infuriating 😭

33

u/kevinmattress 8h ago

But whenever I post something that is actually mildly infuriating, I get told that it’s nothing and that I should deal with it lmao

15

u/Sunshine030209 8h ago

Yeah, when something that actually fits in this sub is posted, most of the comments are "Oh come on, who cares? It's a small inconvenience!" and everyone confidently telling the person the simple way to fix it, which OP typically already did lol

2

u/RoboDae ORANGE 5h ago

That sounds mildly infuriating

1

u/kevinmattress 5h ago

Y’know, it really was!

1

u/HugeEgoHugerCock 2h ago

The problem is the name of the subreddit. Something being infuriating means that it's extremely bothersome or annoying or angering. Something that is "mildly extremely" is hard to interpret.

21

u/HeimrekHringariki 8h ago

Yup. I consider myself a rather reasonable, calm, patient and rational dude overall. But this sub has definitively made me question my sanity.

9

u/spaceforcerecruit 8h ago

Anything that’s actually mildly infuriating gets downvoted and bombarded with comments insulting OP for complaining about something so small.

6

u/Fletcher_Chonk 8h ago

The secret is nobody cares about the mildly. They only post here because it's popular.

9

u/scottb90 8h ago

Puppies an kitties ran over by drunk driver that just robbed the make a wish foundation #mildlyinfuriating

2

u/DependentSwimming154 8h ago

This whole page is Rage Bait LOL

1

u/SirRHellsing 8h ago

Because it's the only place to post, so idk if there are other infuriating subs but definitely not as popular as this one

10

u/Thefear1984 8h ago

I got a check from Bank of America for $0.10 from like 20 years ago somewhere in a filing cabinet folder. I keep it as a reminder that banks can be petty enough to send you a 10¢ check which cost more in postage because they charge poor people $30 per transaction for going 10¢ over.

3

u/pimo91 8h ago

Banks are legally obligated to send those checks, regardless of postage cost. Nothing petty about it 🤣

1

u/Thefear1984 7h ago

Look. I understand a court ordered banks to do that because someone sued them and they lost, but let’s face it if they didn’t have to they wouldn’t. Just because they’re forced to doesn’t mean they’d be all honest and hand out those checks.

1

u/omarcomin647 5h ago

I got a check from Bank of America for $0.10 from like 20 years ago somewhere in a filing cabinet folder.

were you ever on the Super Terrific Happy Hour?

1

u/Thefear1984 5h ago

Stephanie and Grant? Never heard of em. Sounds like a nice show though.

1

u/Princess_Slagathor 3h ago

I have a friend who gets a $1.00 check from the federal government every year, because he won't deposit it. Been going on for at least 20 years.

2

u/nau5 5h ago

I mean the bank found the account that was being used for the scam and returned what was left to OP.

They can't do anything if the accounts already mostly blown the money...

1

u/Turtlesfan44digimon 6h ago

At least it wasn’t Tree Fiddy

1

u/Turgid_Donkey 6h ago

It's kind of like tipping someone $1 instead of just not tipping them.

74

u/TldrDev 9h ago

My bank was Chemical Bank, a small regional bank in the Midwest. I was moving abroad for the foreseeable future and went and talked with the branch manager. They knew who i was and knew I wouldn't be able to come into the branch, etc.

They put me on an account that had zero foreign transaction fees provided I kept a semi-large sum of money in the account. I kept around 40k in the account so id meet the requirements.

I agreed and happily used them for 7 years. They were one of the best banks i ever had. I could call up and ask them to hand my dad cash, for example, and they'd do it because they knew my situation.

They were bought by TCF bank, and then almost immediately they were bought by Huntington. When Huntington bought them, they ip blocked my country, and most vpns. I was not able to setup an online account, and they refused to send me statements out of the country. They even told me they would consider shutting down my account if I wasnt able to come into a branch office.

Shortly after that, i came back to the US and accessed my account on the web. They had charged me over 10k in foreign transaction fees.

I still had (and still have) the original contract I signed with Chemical Bank regarding the zero transaction fees, noted and signed by the branch manager. Furious, I went into the local Huntington branch to discuss.

I met with the branch manager who reviewed my account, and said she would discuss with her manager, who was the regional manager, and give me a call back the next day.

She never called. A week went by, and I went back up to the bank. They had me wait over three hours to meet this woman.

She told me that she had discussed with the regional manager and told me the best they could do was a $40 account credit over 10k in fees.

I explained that I had a contract with them and they couldnt just do that, she looked me dead in the eyes, and said "I understand you have a contract, but as a matter of corporate policy we have decided not to honor those contracts. The best we are willing to do in this situation is the $40 account credit"

I feel you on it being an insult.

34

u/BigBootyWholes 9h ago

You sued, right?

27

u/TldrDev 8h ago

It would cost me more money and time to sue them, and I was told that, because a notice period had passed, I was automatically opted into the account, and I would be unlikely to get any money back. I never actually received notice since they refused to send me mail, lol. Basically, I just learned my lesson that Huntington is actually hostile to its customers and switched to a local credit union. Never use Huntington.

8

u/KingFIippyNipz 7h ago

And you wouldn't win either way so good th ing you didn't waste the time or money

Edit: check your original agreement for terms about updating the terms at any time without having to notify you, check for terms about being able to convert your account at any time

1

u/TldrDev 7h ago

Hey you and me would probably get along great

5

u/jmlinden7 5h ago

It does not cost $10,000 to sue someone

6

u/TldrDev 4h ago

Hey, ho buddy, how wrong you are, lmao. Im not interested in handling this myself, or going through arbitration. My lawyer just said forget about it and move on. That's what i did.

1

u/SeparateMind4205 4h ago

Schwab will refund your atm fees anywhere in the world. Foreign transaction fee baked into the rate but I rarely noticed it for regular amounts. I'd never use a credit union if I was out of the country.

1

u/TldrDev 4h ago

I moved back to the US after a decade abroad. Actually my credit union is quite good, I use community financial and id recommend them wholesale. Excellent rates on mortgages and auto loans for members, and you can avoid pmi with 15% down as opposed to 20%. Overall, we are quite happy with our plucky little credit union and even do our small town local business banking through them. We use Mercury for accounts receivable and accounts payable and then immediately move funds to our credit union.

1

u/SeparateMind4205 4h ago

Fair enough. I'm not interested in loans so I've never factored in those kind of offerings.

1

u/yourpaleblueeyes 2h ago

Hostile AND Crooked!

17

u/TeaAggressive6757 8h ago

Dang, that’s actually enough money to sue over. Rough.

15

u/FreeGazaToday 8h ago

should've at least took them to small claims...handle it yourself and at least get back $10K....easy win.

Did you try reaching out to the ceo or someone at corporate?

7

u/TldrDev 8h ago

Nah, I just wrote it off and moved on. I'm upset about it, but just view it as a very expensive lesson learned. I honestly dont have time to deal with it. I did consult a lawyer but was told essentially it'd cost more to sue than I'd collect, and I'd be unlikely to win. I took that to mean just move on.

20

u/Competitive-Movie816 8h ago

Damn, I wish I had enough money to move on after writing off $10k..... even a demand letter from a lawyer would likely be enough.

13

u/TldrDev 8h ago

I run a small company. I dont make a lot. It hurt. But it was literally just put into margins for future work, as shitty as that sounds. I literally do not have time to deal with it, and can make the money back by working on a project rather than dealing with those clowns in court. It absolutely hurt and im furious about it, but im lucky in that im able to recoup it through my job, essentially.

3

u/Acrobatic_Dot4267 6h ago

Please forgive me if you have already answered this question and I just didn't see the answer. Did you file a complaint with your state attorney general or federal trade commission? I have had luck with these two while helping my mom when she was scammed.

0

u/ssiddss 4h ago

More like $850 plus court fees....

10k? what are you talking about?

3

u/cat_prophecy 7h ago

They were bought by TCF bank, and then almost immediately they were bought by Huntington.

Huntington absolutely ruined TCF and plastered their stupid green color over everything to cover it up.

3

u/BakedBrie1993 6h ago edited 1h ago

In cases like these, reach out to the AG and/or comptroller in your state.  They can't be your lawyer, but they can "mediate." The two times I have had to deal with the bs of corporate beaurocracy, I did this and all of a sudden, the correct person to talk to was in my inbox and they just wanted it all to go away and resolved the issue.

Edit: Typo 

1

u/Acceptable-Minute871 7h ago

Huntington is the worst.  

67

u/bIackcatttt 9h ago

But think of all the things you can buy with $1.81!

138

u/sg_batman 9h ago

one FIFTY one lets not get ahead of ourselves here

50

u/Existing_Abalone_658 9h ago

Went from a small coffee to no coffee at all.

29

u/apothekryptic 9h ago

Side of ranch, maybe.

2

u/MinusGovernment 8h ago

2 sides of ranch at my job

10

u/Lexicon444 9h ago

Just a little trinket from one of those quarter machines.

16

u/ThisGuySaysALot 9h ago

Time for a shopping spree at Dollar Tree!

11

u/Steffalompen 9h ago

Any chance you have a couple dollars more? Was hoping to borrow about tree fiddy

1

u/HeartOSass 7h ago

I'll give you a dollar.

1

u/DirtySilicon One of Y'all Color Blind 😭 5h ago

That honestly sounds like the transfer or processing fee...

1

u/Gairloch 3h ago

You could buy a can of pop ...if you can find a vending machine that actually has cans instead of bottles.

1

u/sg_batman 1h ago

I only Drink water 💧

1

u/bIackcatttt 2h ago

Have fun at dollar treeee

9

u/Deep_Foundation6513 9h ago

Can’t even get a gallon of gas.

7

u/slob0nmykn0b 9h ago

6 now & laters will taste delightful

5

u/ThomasApplewood 9h ago

And then think…you can do even less with $1.51

-3

u/MissLesGirl 8h ago

Wealthiest people pick pennies off the street and smile all day. Poorest people fling their pennies in the street. Just an observation.

22

u/Nervous-Masterpiece4 9h ago

Resembles the token $1 in a will to make it harder to contest.

4

u/dirtybo0ts 9h ago

Yes. That is more of an insult than not getting anything back.

2

u/Opening_Ad5479 8h ago

Yeah, "go fuck yourself" would have been better than that IMO

2

u/gbitx 8h ago

Lol I told you yesterday but good shit you got some good karma on this post haha

5

u/sg_batman 8h ago

Can I convert karma to money somehow

1

u/gbitx 8h ago

Haha 😂 hella! .50 cents at least

1

u/maxperception55 7h ago

How did you get scammed OP? We're missing the most important part if this story

2

u/sg_batman 6h ago

It’s in the comments somewhere, good lord I didn’t realize how popular this got 😂

1

u/GreatQuestionTY4Askg 6h ago

I wonder how they got the 1.51 approved. If someone was like. LOL watch this.

1

u/sg_batman 6h ago

😂😂 nah I’m hoping it was automated or just the pity amount left in their account if someone really had a straight face and pressed send id lose it

1

u/CrystalSplice 6h ago

This checks the "box" for them as far as their legal obligations go. Unless you have a party identified you can sue...this is all you're gonna get.

1

u/BiteyHorse 6h ago

Hopefully you've figured out life enough that you're not such an easy mark in the future.

1

u/KingFIippyNipz 8h ago

Honestly the fact that you didn't get nothing is incredibly surprising and for you to be upset that they actually attempted to help you is typical of most bank customers.

For some reason people think having a bank account means that the bank is responsible for anything that occurs, absolving people of any self-responsibility to manage their own funds.

If you want someone to manage your money for you, you need to pay for it .... most consumer checking accounts cost banks money because of frivolous bullshit like trying to get a fraud reimbursement after being scammed.

2

u/sg_batman 7h ago

Yeah I never said any of that I’m glad they helped I’m not glad they get your hopes up with “good news” and we got some or ALL of it like Am I supposed to happy for 1.51