Mom and Law Student?

Type BANKS SUCK into google and you will get pages and pages of rants. Here is mine:

It's Tuesday morning @ work. I want more coffee but *the new job* is cheap and their coffee sucks, hence the reason they were able to hire me during a recession, but I wander. So anyway, I am going to go get a cup of coffee across the street but need to check my bank account. We have a whole $179.00 in the bank which must last until Friday. When I looked at the balance I rubbed my eyes, -765.00! WHAT! So I called husband and asked if he bought something w/ paypal recently, nope! Call paypal, had to google to get # (good luck finding it on their site). Someone had purchased a 12 mexapixal camera and shipped it to someone (w/ a different name than the account holder), Rush to Indonesia! Husband jumps to eBay and sure enough 2 more cameras have been bought and are waiting to be shipped.

Long story short Paypal sucks and it takes days to a week? maybe if we are lucky? to get money credited back to us, something about wire transfers! who still wire does wire transfers? Their recommendation? Take the documentation fromPaypal saying it was their fault and plead our case to the bank. I go to my bank which is in my new building at *the new job* (convenient so I think) I tell them story and ask them to please not take the 800+ dollars out of our paychecks that will be direct deposited on Friday and freeze the transaction. Nope! sorry they can't do that b/c lucky me I have overdraft protection of up to $1000 and the money is already gone! Money I didn't have is gone? So basically I owe the bank $800+ dollars! They will issue me a temp credit of funds but I can't access the funds. The only thing it does is stop the additional overdraft charges from racking up during the "weeks" it will take them to do an investigation, then we can get the overdraft fees waived, (b/c I have had such good luck w/ that before) but even the temp. credit takes 48 hours. I ranted, a manager came over and was no help. I told them they could explain their policy all the wanted but it wasn't going to change the fact that they suck; $800 is nothing to them; I didn't authorize this transaction; I signed an affidavit; they are shit for customer service; and I am closing my account. And I didn't even choose to bank w/ you, you took over my bank, one day the signs were all replaced with cheap banners with your stupid name on them. To this they said, "we are sorry to see you go, but we are corporate drones carrying out our inhuman corporate policy, so sorry". Okay maybe not exactly that but still? come on? What am I going to flee the country on $800? So I ran back to work and got my DD stopped and they are cutting me a live check. So to them I say "Ha! screw you BANK, you will not take my messily $800... you may get my tax money you assholes but you will not get my paycheck!!!"

To add insult to injury overdraft fees are still going through as I write this, $9.00 Starbucks = $35.00 fee. My misadventures w/ banks have officially ended. I hate all of you. We are opening an account with a credit union, next it will be under the mattress.


EDIT: My bank has just posted profits that are front page news and overdraft fees are still being added to my account...

Posted by lawmom at 8:52 PM |