Nice to see the Senate hard at work on America's most pressing problems.
this post was submitted on 27 Mar 2025
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Everyone who votes Republican deserves shit like this. But unfortunately we're all stuck with them, and they seem incapable of learning.
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For years my bank had overdraft off by default. At some point, in one of their ToS or User Agreement updates, they turned overdraft on for everyone and you had to go in to turn it off.
Really looking out for the little guy, huh?
The senate has not overturned the rule; they've voted to overturn the rule. The rule is not overturned until this passes both halves of congress and the president. Sick of headlines lying about this shit
The Democrats tried REALLY Hard to let this Pass so Americans can SUFFER and then Vote for the Not Trump Party!
And this will hit the people hardest who voted for them.
Republicans seemingly are free to fuck the poor and working citizen as hard as they want and they keep voting for more.
They're either voting for it or staying home. Same difference. One would think people would eventually wake up but.... Seems no.
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It's really unfortunate. Most banks and credit unions turn on overdraft protection by default. And many of them make it difficult to turn it off (burying it in online app/site menus, requiring people to call in or go into a branch to deactivate it, etc.). They do this because overdraft fees are a massive source of profit for them.
But it's pretty easy for people to get trapped in a vicious cycle of debt due to these fees. Most people don't know they can turn these off, and some don't even realize they are in place to begin with.
Makes me so fucking mad. Government is for the fucking people not the fucking corporations Jesus fucking christ
Back in the day, Wells Fargo would intentionally run higher charges first in their cycle so that people couldn't skirt the edges of overdraft. Like, if someone made a $35 purchase, and three $1 purchases over the same two day period, they would immediately run the $35 purchase and then charge three overdraft fees for each of the $1 purchases instead of running the three $1 purchases first (even if they came first) and then charging a single overdraft fee when the $35 purchase hit.
I believe they got a fine for it.
I never pass on the opportunity to say fuck Wells Fargo.
Thus, fuck Wells Fargo.
Furthermore, to echo a comment further down, up against the wall with those shitcunts.
Reminds me of years ago when I had an account at BoA in college. Had two $20-ish charges when I had $30 in the account, and they tried to charge me TWO overdraft fees because $40 > $30. They kept going round and round that I had $40 in charges but only $30 in the bank, so they overdrafted. I kept repeating “which charge hit first?” I swear they danced around that for like 15 minutes, first that they couldn’t tell, then that they came in at the same time. Finally I said “okay, let’s say charge 1 was first. What was my balance then? Okay, let’s say charge 2 was first - what was my balance then?”
Took far longer to even get them to admit the mistake than it should’ve.
And yet people continue to bank with Wells Fargo.
I believe they got a fine for it.
They should be put up against a wall for it.
100%
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Surprised democrats actually held the line on this one. Are they learning?
No, Republicans definitely had this in the bag. Had there been a chance it wouldn't have gone through, at least a couple of them would have dissented and sided with the Republicans.
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Well we'll see what happens in the senate...
Edit: I didn't read words correctly. Guess that insurmountable filibuster thing really isn't worth a damn is it?
According to this non-paywalled coverage, there are times when the filibuster doesn't apply to repealing laws:
The 1996 CRA gives Congress a 60-day window to repeal federal regulations with a simple majority vote in each chamber and the president’s signature. The clock resets in a new session of Congress for rules finalized toward the end of the previous congressional session.
Republican lawmakers are also eyeing CRA measures to repeal the CFPB’s larger participant rule for digital payment companies and its ban on the use of medical debt in consumer credit reports.
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Yeah, good point, they could've actually filibustered it and chose not to.
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