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eff you, td bank!
Nov. 12th, 2008 12:23 amClass was cancelled this evening, so after sitting in my car for half an hour on the phone with Joanna in an effort to wait out the worst of the rush-hour traffic, I headed to the gas station because the Beast was getting a bit low.
Fill it, premium? Debit card. Thanks.
Everything is roses and daisies, I don't have class tonight, tra-la-la, until the pump jockey comes back to my window with my card. It's been declined. ...buh? How is that even possible? I just got paid on Friday and I've barely touched my account since Saturday, when I withdrew fifty dollars for the bar.
I go into the store to check my balance on the MAC machine. Balance tells me I am $165 in the fucking hole. Again I say: ...buh?
On Friday evening, before I even deposited my paycheck, there was over four hundred dollars in my account for my rent. My landlord is notoriously slow in depositing rent checks, so I am always ultra-careful about my balance when I have a rent check floating out in the ether. Before Friday, I hadn't touched my account in days, for fear of possibly bunging things up accidentially.
Also of note is the fact that I checked my balance on Saturday. It told me I had roughly $1100 in my available balance, which added up to my rent money and my newly deposited paycheck. My bank account and the account my paychecks are written on are the same bank company: TD Banking (formerly, Commerce Bank). When I deposit my paychecks, they are available to draw on within a handful of hours, sometimes even less.
On Saturday, I made a small PayPal payment to someone and withdrew $50 from an ATM. On Sunday, I wrote the Engineer a check for $137 for some money he had fronted me for groceries the week before. And on Monday, a post-dated check to the vet for $50 went through. Other than that, there had been no activity.
Now, imagine my fucking surprise when I go to buy gas and get told not only have I been declined, but I am almost $200 in arrears.
When I called the customer service line, the lady helping me out couldn't find my deposit at first. I had to tell her exactly when I made it, what branch it was deposited, and how much it was before she was able to track it down. Despite the fact I had a receipt from the bank showing the deposit. According to her, the teller who handled the transaction never posted the deposit. She had deposited the money, which is why it was showing up in my available balance, but didn't post it (I'm still unclear on what this actually means).
Customer Service lady releases $500 or so of what's left of my paycheck after covering the bounced amount, and attempts to contact the branch to find out what's happened, but there is no manager on duty to speak with her and she tells me the person she did speak to was incredibly unhelpful and rude. She also tells me that my rent check hit my account and fucking bounced because the charges I made on the account, after checking my balance and seeing there was more than enough available, hit before the rent check did.
Pardon me while my frigging head implodes? Thanks, ya'll.
She advises me to hit the branch tomorrow morning and speak directly with the manager, to forego the tellers entirely. She also tells me that in addition to not being responsible for any returned check fees, I should also be able to get some kind of print-out from the bank to show my landlord to prove this was not my goddamn fault.
I'm still fit to be tied. That was my fucking rent. And the money was in the goddamn account until they effed everything up. Now, because of someone else's boneheaded mistake, I have to contact my landlord and explain everything. And I am quite sure he hears shit like this all the time and will probably not believe me.
Four years ago, after so many years of being financially irresponsible, I cleaned up my act and became ultra-careful with my money. I've been slowly pulling myself out of the large (to me anyway, when most people hear my debt amount they frigging laugh at me) amount of debt I've acculmulated over the years and I budget to the fucking penny almost. I bounced a rent check last year because of a stupid math error on my part and now I've got to call him about another bounce? Ridiculous.
My stomach is in knots.
I'm trying hard to be hopeful about this, but my natural pessimism is slowly winning that battle. I'm so worried this is just going to get even more munged up, it's not even funny.
And I was in such a good mood before this, too.
**edit**
Checking my bank account just now, I see that the rent check bounced my TWENTY-NINE FUCKING DOLLARS. And from what I can tell, the $137 to the Engineer hasn't even hit yet? Now I'm confused on top of everything else.
Fill it, premium? Debit card. Thanks.
Everything is roses and daisies, I don't have class tonight, tra-la-la, until the pump jockey comes back to my window with my card. It's been declined. ...buh? How is that even possible? I just got paid on Friday and I've barely touched my account since Saturday, when I withdrew fifty dollars for the bar.
I go into the store to check my balance on the MAC machine. Balance tells me I am $165 in the fucking hole. Again I say: ...buh?
On Friday evening, before I even deposited my paycheck, there was over four hundred dollars in my account for my rent. My landlord is notoriously slow in depositing rent checks, so I am always ultra-careful about my balance when I have a rent check floating out in the ether. Before Friday, I hadn't touched my account in days, for fear of possibly bunging things up accidentially.
Also of note is the fact that I checked my balance on Saturday. It told me I had roughly $1100 in my available balance, which added up to my rent money and my newly deposited paycheck. My bank account and the account my paychecks are written on are the same bank company: TD Banking (formerly, Commerce Bank). When I deposit my paychecks, they are available to draw on within a handful of hours, sometimes even less.
On Saturday, I made a small PayPal payment to someone and withdrew $50 from an ATM. On Sunday, I wrote the Engineer a check for $137 for some money he had fronted me for groceries the week before. And on Monday, a post-dated check to the vet for $50 went through. Other than that, there had been no activity.
Now, imagine my fucking surprise when I go to buy gas and get told not only have I been declined, but I am almost $200 in arrears.
When I called the customer service line, the lady helping me out couldn't find my deposit at first. I had to tell her exactly when I made it, what branch it was deposited, and how much it was before she was able to track it down. Despite the fact I had a receipt from the bank showing the deposit. According to her, the teller who handled the transaction never posted the deposit. She had deposited the money, which is why it was showing up in my available balance, but didn't post it (I'm still unclear on what this actually means).
Customer Service lady releases $500 or so of what's left of my paycheck after covering the bounced amount, and attempts to contact the branch to find out what's happened, but there is no manager on duty to speak with her and she tells me the person she did speak to was incredibly unhelpful and rude. She also tells me that my rent check hit my account and fucking bounced because the charges I made on the account, after checking my balance and seeing there was more than enough available, hit before the rent check did.
Pardon me while my frigging head implodes? Thanks, ya'll.
She advises me to hit the branch tomorrow morning and speak directly with the manager, to forego the tellers entirely. She also tells me that in addition to not being responsible for any returned check fees, I should also be able to get some kind of print-out from the bank to show my landlord to prove this was not my goddamn fault.
I'm still fit to be tied. That was my fucking rent. And the money was in the goddamn account until they effed everything up. Now, because of someone else's boneheaded mistake, I have to contact my landlord and explain everything. And I am quite sure he hears shit like this all the time and will probably not believe me.
Four years ago, after so many years of being financially irresponsible, I cleaned up my act and became ultra-careful with my money. I've been slowly pulling myself out of the large (to me anyway, when most people hear my debt amount they frigging laugh at me) amount of debt I've acculmulated over the years and I budget to the fucking penny almost. I bounced a rent check last year because of a stupid math error on my part and now I've got to call him about another bounce? Ridiculous.
My stomach is in knots.
I'm trying hard to be hopeful about this, but my natural pessimism is slowly winning that battle. I'm so worried this is just going to get even more munged up, it's not even funny.
And I was in such a good mood before this, too.
**edit**
Checking my bank account just now, I see that the rent check bounced my TWENTY-NINE FUCKING DOLLARS. And from what I can tell, the $137 to the Engineer hasn't even hit yet? Now I'm confused on top of everything else.
