FUCK Wachovia (and banks in general)[views:4111][posts:32]____________________________________________ [Sep 25,2007 6:47pm - mOe forgot his PW ""] This past weekend was me and the lady's anniversary so I did a decent amount of money spending. I have my own separate account(through Wachovia) a small amount of my paycheck goes into. I dipped into it several times this weekend for odds and ends. Made some ATM transactions to keep track of the money in there, the last one being on Friday night when I had 58 bucks left in it. I'd used it a couple times since then totaling to no more than like 25 bucks. I log into my account an hour ago and i'm 300 bucks overdrafted. WTF. I look at my transactions the sneaky fucks literally went back in time and retraced all my steps chronologically so that I WOULD overdraft. Apparently I'd been overdrafted since Thursday which is COMPLETE BS. So, now I have to sit on the phone with these fucking people to get them to at least zero my account out so I can close it because this isnt the first time this has happened. I'm fuming. There's no way I'm giving these people 300 bucks. |
| _________________________________ [Sep 25,2007 8:09pm - tarded ""] it's cuz yer black |
| ______________________________________________ [Sep 25,2007 9:57pm - ArrowHead likes Pie ""] mOe forgot his PW said:Made some ATM transactions to keep track of the money in there, the last one being on Friday night when I had 58 bucks left in it. Stop blaming the bank and realize: 1) ATM's are NOT updated in real time, and can be horribly inaccurate regarding account balances. They are NOT a surefire way of tracking your current balance in real time. 2) You should never spend down to your last dollars in any account, no matter what it's for or how much you keep in it. Financial responsibility is not the bank's problem, it's yours. I give you this advice not to be a dick, but because I had very similar problems a long time ago and spent too much time blaming the banks, not enough time learning to track and manage my finances PROPERLY. |
| ______________________________________ [Sep 25,2007 10:53pm - AUTOPSY_666 ""] Agreed. |
| ____________________________________ [Sep 25,2007 11:28pm - DJ DEATH ""] Keep strict records, and this will not EVER happen again. |
| ____________________________________________ [Sep 26,2007 8:06am - mOe forgot his PW ""] i also checked my account via the internet and after a solid week of inactivity was NOT overdrafted as of thursday night like they say I was |
| ____________________________________________ [Sep 26,2007 8:07am - mOe forgot his PW ""] i know banks are in the business of bouncing checks and overdrafting this is a prime example of that and they're not getting 300 bucks out of me and I didnt spend down to the last dollar, I SHOULD have had 30 bucks left in there |
| ______________________________________ [Sep 26,2007 9:02am - the_reverend ""] 30 bucks is pretty close to the "last dollar". my bank account needs to have $5,000 in it or I get charged. |
| __________________________________ [Sep 26,2007 9:05am - succubus ""] banks don't bounce checks..people do. |
| ______________________________ [Sep 26,2007 9:06am - Mess ""] the_reverend said:30 bucks is pretty close to the "last dollar". my bank account needs to have $5,000 in it or I get charged. you must be fucking loaded? |
| __________________________________ [Sep 26,2007 9:11am - succubus ""] having $5000 is NOT loaded lol |
| ______________________________________ [Sep 26,2007 9:12am - the_reverend ""] no, I'm smart, have a good job, and spent years not buying things/saving money. If I were loaded, then I would have the $20K account that hands out ivory back scratchers and your ATM car spritzes out french perfume once every 5 minutes. |
| ________________________________________ [Sep 26,2007 9:47am - DestroyYouAlot ""] I laughed pretty hard when WTC happened; nothing to warm the heart like two giant stacks of banks getting pwned. Hang'em all. |
| ______________________________________ [Sep 26,2007 9:51am - the_reverend ""] yeah, that'll show 'em... or this isn't fight club so all their records are backed up to off-site locations. |
| ______________________________ [Sep 26,2007 9:57am - Mess ""] it must be the amish in you that you were able to save all that dough? |
| ______________________________ [Sep 26,2007 9:58am - Mess ""] succubus said:having $5000 is NOT loaded lol 5k would dig me out of a big whole right now boy am i stupid |
| ________________________________________ [Sep 26,2007 9:59am - timjohnny1492 ""] d00d this is completely ridiculous. ever heard of balancing your check book? |
| _________________________________________ [Sep 26,2007 10:06am - DestroyYouAlot ""] the_reverend said:yeah, that'll show 'em... or this isn't fight club so all their records are backed up to off-site locations. Doesn't dilute the comedy one whit, my good man, not a whit. |
| _________________________________________ [Sep 26,2007 10:08am - timjohnny1492 ""] people blaming banks and financial institutions for their own horrible mismanagement of their personal finances so fucking annoying to me. step up to the plate and take responsibility for your lack of $$ and your lack of ability to manage this SMALL amount of $$. pretty classy statement about the WTC, that'll show 'em banks to operate legally on US soil! reminds me of a joke i heard back in '01: "How many 9/11 victims does it take to change a light bulb?" "About 3,000." |
| _____________________________________________________ [Sep 26,2007 10:21am - menstrual_sweatpants_disco ""] the_reverend said:yeah, that'll show 'em... or this isn't fight club so all their records are backed up to off-site locations. haha we're nerds. That's what I thought when I saw fight club. "Hmmm. Looks like the IT guys are calling Iron Mountain on Monday". |
| _______________________________________ [Sep 26,2007 10:24am - hungtableed ""] AUTOPSY_666 said:Agreed. +1....errr, 2 that is. |
| _________________________________________ [Sep 26,2007 10:28am - DestroyYouAlot ""] timjohnny1492 said:pretty classy statement about the WTC, that'll show 'em banks to operate legally on US soil! I'm a pretty classy guy. |
| ______________________________________________ [Sep 26,2007 1:37pm - ArrowHead likes Pie ""] mOe forgot his PW said:i also checked my account via the internet and after a solid week of inactivity was NOT overdrafted as of thursday night like they say I was Internet is ALSO not updated in real time. They give you a balance book with your checking account for a reason. Start using it. THEN, and only then, will you be in a position to sit down and argue with a bank. |
| ________________________________ [Sep 26,2007 1:49pm - xmikex ""] ATMs are the death of everyone. I can't stand them, and I don't use them. Maybe I just know too many people with poor financial habits, but all they seem to do is get people into trouble. I've got a checking account through Harbor One, and a savings account through HSBC Direct. I deposit all my paychecks in person. And I always know where my money is, and where it's going. One less thing to worry about. |
| ______________________________________ [Sep 26,2007 1:55pm - the_reverend ""] yeah, but you have to do your banking in person during business hours. I just don't have the time. |
| ______________________________________ [Sep 26,2007 1:58pm - Aura_At_Dusk ""] I usually check my stuff daily so i know about how much i have spent. ATM's are so useful if you find the right one that doesnt charge you an arm and a leg. I feel that im much more willing to spend money if i have cash in my pocket rather than taking out money for the whole week...anyways work is extra boring today any one else agree? |
| ________________________________ [Sep 26,2007 3:44pm - xmikex ""] the_reverend said:yeah, but you have to do your banking in person during business hours. I just don't have the time. It gives me an excuse to get up before noon on saturdays. Otherwise I'd just sleep till 4 in the afternoon, then be all pissed about it. |
| ______________________________________ [Sep 26,2007 3:56pm - the_reverend ""] xmikex, you live the life of a rocker with a 12yo kid. |
| ____________________________________ [Sep 26,2007 4:45pm - Kinslayer ""] I got molestered for $70+ a few weeks back for buying like packs of gum and other little shit on my card that was overdrawn because my landlord took like 3 weeks to cash my rent check; I thought I had money... |
| _________________________________________ [Sep 26,2007 4:49pm - metal_church101 ""] Kinslayer said:I got molestered for $70+ a few weeks back for buying like packs of gum and other little shit on my card that was overdrawn because my landlord took like 3 weeks to cash my rent check; I thought I had money... Been there on that one. |
| ____________________________________ [Nov 27,2009 2:51pm - Extortion ""] financial responsibility? This bank has been bailed out with our tax dollars becuase they are financially inept with our money. The fact that these hippocrites can charge me $35 for a $3 purchase when I paid to keep this entity alive is horrible. Fuck Wachovia. |
| __________________________________ [Nov 27,2009 2:53pm - brian_dc ""] Hungry, Hungry, Hippocrites. |
| _______________________________ [Nov 27,2009 7:14pm - Hoser ""] Nice job reviving a 2 year old thread. |