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aguachico
Senior Nomad
Posts: 602
Registered: 3-23-2007
Location: tijuana
Member Is Offline
Mood: logic cannot get thru to the illogical
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Yes he was Mexican. The employees, hidden behind their bullet proof glass, just put on their "me vale madre" face. This tactic is not uncommon. I
have heard other poor people mention the same thing. Imagine the profit a bank can make with a little data mining.
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Pescador
Ultra Nomad
Posts: 3587
Registered: 10-17-2002
Location: Baja California Sur
Member Is Offline
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I hear a lot of rhetoric about Mexicans that immigrate to the US and then do not seem to 'Assimilate" to becoming American. I am sure that never
happens with Americans moving to Mexico and "Assimilating".
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
Member Is Offline
Mood: Weary
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You might be missing the point, Admiral....???
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redmesa
Senior Nomad
Posts: 580
Registered: 3-12-2008
Location: Van Isle and Bahia Asuncion
Member Is Offline
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This is true. Bancomer took 5000 pesos from my account over a 6 month period when unknown to me they changed the rules (they said I should have
known) I no longer would put any money in that bank.
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pacificobob
Super Nomad
Posts: 2237
Registered: 4-23-2006
Member Is Offline
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Quote: Originally posted by Pescador  | | I hear a lot of rhetoric about Mexicans that immigrate to the US and then do not seem to 'Assimilate" to becoming American. I am sure that never
happens with Americans moving to Mexico and "Assimilating". |
BINGO!
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JZ
Elite Nomad
Posts: 9226
Registered: 10-3-2003
Member Is Offline
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Crying about losing $200 when not checking the account for a long stretch of period? Get out of here with that silliness.
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elfbrewery
Nomad
Posts: 340
Registered: 12-25-2006
Member Is Offline
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This kind of thing happened to us in Spain when we bought a house in 1995. We needed an account to make the deal and we left some money in it to keep
it alive, but less than one year later it was gone due to fees and they wanted us to pay the residual. Good grief. Remember, BBVA and Santander are
European banks and the others may well be, too.
Life is always interesting.
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pacificobob
Super Nomad
Posts: 2237
Registered: 4-23-2006
Member Is Offline
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one should avoid financial activities the do not understand.
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Gulliver
Senior Nomad
Posts: 651
Registered: 11-18-2013
Member Is Offline
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O.K. Here's the latest from those stinking crooks at Bancomer here in Mulege.
Two days ago I went to use the ATM and my card was refused by the machine. The entire event was witnessed by the bank employee who hangs out near the
machine to help with issues. When I got home later I found that my account in the states had been charged for the amount. I went back to the bank and
had them look at their online record and it showed that there had been no charge to my U.S. bank. I went back to the house and called my bank and they
are having me submit a form requesting a refund.
Today my partner tried the machine and her card was refused. On checking her bank not only had she been charged but it had been taken from the savings
account instead of the checking account as requested at the machine.
It's Saturday and Bancomer is closed. We will submit another form to our bank.
I will be driving to Santa Rosalia to use a machine at some other institution.
As far as I can tell Bancomer is guilty of theft.
[Edited on 3-18-2017 by Gulliver]
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
Member Is Offline
Mood: Weary
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Yup, it gets pretty frustrating, I have had similar problems in Mulege, and getting the "Mexican Shrug" when you attempt to deal with the bank
employees is not helpful...I honestly don't think they have a clue as to what to do when stuff like that happens...
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Gulliver
Senior Nomad
Posts: 651
Registered: 11-18-2013
Member Is Offline
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Mulege is so small that there is only the one bank. It's the better part of an hour to get to any alternative ATM machine. I'll ride my bike to keep
the gas costs down but with a typical limit of 6-7000 pesos per withdrawal and sometimes a significant delay between allowed withdrawals this will
start to significantly impact how much we spend here.
I don't know about other towns but the gringos here amount to a very significant part of the cash flow. Not just store purchases but hired labor and
car repairs and all of that. Having bank troubles is just one more nail in the coffin after all the publicity about crime
Lack of competition. Same old, same old.
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
Member Is Offline
Mood: Weary
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One of the many reasons I wont be coming back...
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chuckie
Elite Nomad
Posts: 6082
Registered: 2-20-2012
Location: Kansas Prairies
Member Is Offline
Mood: Weary
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Dang Russians!
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Gulliver
Senior Nomad
Posts: 651
Registered: 11-18-2013
Member Is Offline
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What I mean my refused is that I got as far as entering my pin and specifying the amount. Then it spit out my card and said that it had been refused
by my bank.
Not only has the money been taken out of my account in the states, the amount taken is the amount I specified at the ATM.
I doubt that the local staff is at fault but I have little problem suspecting that there is a glitch that is making money for Bancomer and they are in
no hurry to deal with it.
A: I'll start riding to Santa Rosalia to do business at another institution.
B: If I don't get my money back I will spend a fair amount of energy bad mouthing Bancomer by simply telling the truth. I did nothing wrong. They took
my money.
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mtgoat666
Select Nomad
Posts: 17291
Registered: 9-16-2006
Location: San Diego
Member Is Online
Mood: Hot n spicy
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Carry cash! Skip the hassle of ATM cards.
Back in the days travelers checks worked. Maybe time to bo back to the old ways, eh?
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Gulliver
Senior Nomad
Posts: 651
Registered: 11-18-2013
Member Is Offline
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I would love to carry cash but I live in Mulege for six months at a time and I would have to tow an extra trailer for the wad of pesos that would
mean. Not to mention cleaning out all of the cambios in Tecate in November.
It may come to that. Of course crossing borders with more than a couple of quarters in your pocket is now illegal these days.
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JoeJustJoe
Banned
Posts: 21045
Registered: 9-9-2010
Location: Occupied Aztlan
Member Is Offline
Mood: Mad as hell
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| Quote: Originally posted by JZ | Crying about losing $200 when not checking the account for a long stretch of period? Get out of here with that silliness.
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This is about the only post here that makes any sense.
Well it's true most banks including banks in the US don't treat their customers with small amounts in their accounts very well, it's still the job of
the customer to monitor your monthly statements at the very least, and if you have substantial money in your account you should monitor it more
closely.
This appears to be a case of someone just parking the bare minimum in case they might need the bank account in the future, which is costly to the
banks to service nearly dead account with a few dollars or pesos in the accounts.
Changes to bank accounts, and credit cards happen all the time, but the notice is usually in the bank statement in very small print, warning you of
upcoming changes, while allows you to pull your money, and if you miss the notice, you should notice something when you are reviewing your monthly
statement.
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Howard
Super Nomad
Posts: 2346
Registered: 11-13-2007
Location: Loreto/Manhattan Beach/Kona
Member Is Offline
Mood: I'd rather regret the things I've done than regret the things I haven't done.
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Crying? Read the bold! Just pasing it on.
Those “thieves” at Bancomer are at it again. I am telling my story so others can be aware of the unscrupulous business ethics.
In November of 2014 I opened a peso account in Loreto and received an ATM card. Orlando (a really nice guy who happened to speak English)
told me that I had to carry a 4,000 peso balance to avoid any monthly service charges. I even wrote that information on the check book that I
eventually received and verified it with him once again, 4,000 pesos. I opened it with 4,000 pesos and never let it get below that figure. I treated
it sort of like a savings account if I ever needed it if my USA bank ATM card didn’t work.
Well, don’t you love it, I went to use the Bancomer ATM card today and it got swallowed up as soon as I inserted it in the machine.
Went to the bank, waited over an hour and was told that the account was closed for having no more funds. It turned out that the new rules are 12,000
pesos and they have been deducted the monthly fee until there was no more money. They would not budge and of course the person I opened it up with is
no longer there. So, I lost my 4,000 pesos. It’s not going to ruin my life but it does tick me off and part of it is the principal of the
thing.
The moral of the story, I guess I should have been checking my balance every now and then and not to deal with a bank that changes the rules
mid-stream. It’s their rules so I just might have to just suck it up and pass this warning along.
We don't stop playing because we grow old;
we grow old because we stop playing
George Bernard Shaw
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RnR
Senior Nomad
Posts: 836
Registered: 5-1-2010
Member Is Offline
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While it is fun to bash Bancomer, (and most other large banks), they are usually highly regulated and must follow certain rules.
Here is a document that explicitly details all of Bancomer's fees and tariffs for all of their products:
Bancomer's Account Guidelines
The information for savings accounts are on pages 3 and 4.
In summary, there are eight different types of bank accounts. Some with checking and some without. Details vary.
Reqd deposit to open - Varies from $0 to $20,000 pesos.
Monthly minimums - Varies from $0 to $12,000 pesos.
Monthly penalties - Varies from $0 to 390 pesos.
Monthly fees - Varies from $0 to $270 pesos.
You need to select the account that best fits your situation and understand the requirements that go along with it.
I have had a Bancomer Libreton account for almost twenty years. Paid a few monthly penalties over the years but have had no really unexpected issues.
Bancomer's fees have always matched their published Account Guidelines. It is all there in writing on page 3 and 4 of the above referenced document.
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bajabuddha
Banned
Posts: 4024
Registered: 4-12-2013
Location: Baja New Mexico
Member Is Offline
Mood: Always cranky unless medicated
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It's not just Bancomer or Mexican banks.... one must keep up with the bovine feces in U.S. banking as well. You can't turn your back for a minute on
the shysters. Used-to-was, unless buying a house you could take out a simple interest loan for X amount, and the principal and interest were
constant. Now any loan is amortized, making it extremely difficult to pay off early as well as funding ALL the bank's major profits up front. Also
savings was a few points below loan value so you could actually accrue money on your money; not much, but better than one-hundredth of one percent
like today. This rings true for unregulated banking which damned near destroyed our economy under Dubya's watch, and that now is being de-regulated
right under our collective noses.
I will not leave any money in my bank to pay for the CEO's luxury get-away condo in Cabo. I keep up on the 'rules' they set to keep free checking,
online banking, and when my balance gets above a certain (very low) point I withdraw and put in a safety deposit box, so all they get from me is about
$2 per month worth of fees, period.
Banks, like insurance companies are not built on benevolence. To take one for granted is folly. Organized Crime syndicates made a fortune on
shylocking loans at exorbitant rates and charging a 'Vig' on late payments. Banks are no different to me; they just have to keep it at a lower key.
I don't have a BUCKET LIST, but I do have a F***- IT LIST a mile long!
86 - 45*
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