I recently opened an account at E Trade hoping I could invest and save for my future. Upon opening it I transfered two different amounts. One went through, the other did not as their were not sufficient funds in my bank account.

The first point and problem is that I was charged a 25 dollar fee from E Trade because they did not receive my transfer from lack of funds. Since when does a business charge you money for not getting a transfer, when you don't owe them money in the first place?

The other problem is after I had some money in my etrade account i wanted to transfer some of it out, as I have tuition due. Well the software wouldnt let me, so I call in and a guy with an accent I don't fully understand tells me I can't transfer any money out for 16 business days, but I could use the debit card I checked to receive, but they guy says i didnt, to buy things or withdraw from an atm.

So here I am waiting those 16 business days to get my money back so i can pay for school, and having to pay them 25 dollars because a transfer didnt go through when I didnt owe them money in the first place.