I had $50 in venmo, which I used to purchase groceries, because my bank account is currently negative.
Instead of using the $50 in my bank account, instead, a week later the $50 came out of my bank account, not touching the Venmo balance at all.
So now I have an overdraft fee, effectively meaning I paid 1.5 times for those groceries.
I don’t have “overdraft protection,” I’ve told my bank I don’t want overdrafts to go through, but fuck me for being poor I guess.
My banks can turn it off, but what annoys me about that is the overdraft fee just becomes an insufficient funds fee (in many cases, I’ve obviously not tested most kinds of charges to see) at that point for me, fuck might as well pay what the charge was.