The Saga Continues...

[Freyaka]

So the never ending soap opera of finding a house and actually getting moved goes on today...We had $400 in our money market savings account which we had been saving for deposit Friday Lindsey realized that we were going to overdraft if funds weren't put into the bank. The banks cutoff time is 9pm she transferred $100 from our money market account to checking at 7pm which was enough to cover the charges by $40 Bank of Suckmerica claims it was after 9pm that she did this and we got slammed with 10 overdraft charges totaling $350 effectively cleaning out everything we had saved for deposit. Now we don't have enough for deposit and first months rent and it's up in the air if we're going to get moved out Friday (we have until the 21st before we're forced out of this house we're in now) Bank of America told us they won't be able to do anything until tomorrow when the charges go from pending to being applied but I'm going to fight it tooth and nail and hope and pray they fix it because if not I don't know what we're going to do.


So as has become my motto for the last year "whatever can go wrong most certainly will...."

[CoryWinget81]

So the never ending soap opera of finding a house and actually getting moved goes on today...We had $400 in our money market savings account which we had been saving for deposit Friday Lindsey realized that we were going to overdraft if funds weren't put into the bank. The banks cutoff time is 9pm she transferred $100 from our money market account to checking at 7pm which was enough to cover the charges by $40 Bank of Suckmerica claims it was after 9pm that she did this and we got slammed with 10 overdraft charges totaling $350 effectively cleaning out everything we had saved for deposit. Now we don't have enough for deposit and first months rent and it's up in the air if we're going to get moved out Friday (we have until the 21st before we're forced out of this house we're in now) Bank of America told us they won't be able to do anything until tomorrow when the charges go from pending to being applied but I'm going to fight it tooth and nail and hope and pray they fix it because if not I don't know what we're going to do.


So as has become my motto for the last year "whatever can go wrong most certainly will...."

Was the Banks cutoff time Eastern time?

[ebsoria]

Print your statement... it should show you what time you did the transfer. It you are correct in what time you did the transfer then I'd assume BofA would be willing to help ya out.

[Freyaka]

Was the Banks cutoff time Eastern time?

Nope it's whatever time you live in. I know this because he wanted to know what time zone I lived in.

[Freyaka]

Print your statement... it should show you what time you did the transfer. It you are correct in what time you did the transfer then I'd assume BofA would be willing to help ya out.

Well the problem with that is they claim it shows the deposit was made after the cutoff in their system and on the online banking (this was all done online) it still shows pending and doesn't show a time or anything at all... So that won't help I think the only thing that'll fix this is tomorrow calling back and moving up the chain until I get some satisfaction.

[CoryWinget81]

Well the problem with that is they claim it shows the deposit was made after the cutoff in their system and on the online banking (this was all done online) it still shows pending and doesn't show a time or anything at all... So that won't help I think the only thing that'll fix this is tomorrow calling back and moving up the chain until I get some satisfaction.

I called my wife. She does alot of work in this field.

She said that EVERY bank that does online banking timestamps account activity.

She also told me to tell you, "Don't stop until you get what you want" because they will try everything they can to discourage giving you your fees back.

[ebsoria]

Well the problem with that is they claim it shows the deposit was made after the cutoff in their system and on the online banking (this was all done online) it still shows pending and doesn't show a time or anything at all... So that won't help I think the only thing that'll fix this is tomorrow calling back and moving up the chain until I get some satisfaction.

It may show "pending" still, but does it show a time initiated??

[Freyaka]

It may show "pending" still, but does it show a time initiated??

nope they are super smart about not giving the consumer ANY proof on the site to go against their records. I hate that bank so bad expecially since this isn't the first time something like this has happened but it was never $350 in overdraft charges in one day when we wern't even $100 short....it's crazy when $60 can cost you $350....

[ebsoria]

nope they are super smart about not giving the consumer ANY proof on the site to go against their records. I hate that bank so bad expecially since this isn't the first time something like this has happened but it was never $350 in overdraft charges in one day when we wern't even $100 short....it's crazy when $60 can cost you $350....

I kinda had that happen with Wells Fargo once. Near payday I'll usually transfer remaing funds into my savings. I did that, but also had set up bill pay on a few bills for the day after pay day. Work paid me on pay day, but Wells Fargo had an error and didn't credit it until the day after my bill pay was set. I also have overdraft protection... well, they didn't go overdraft protection on me, instead billed me for (I think) it was $300 in OD fees. I went ape ****!! Went into a local branch, was cool and calm and asked for the branch, told he wasn't in for half an hour, I told them I'd wait, patiently explained the situation, was denied a refund... presented my statements and asked that we speakerphone HIS boss and after an hour or so got it handled with a full refund.

Good luck with your battle.

[Freyaka]

I kinda had that happen with Wells Fargo once. Near payday I'll usually transfer remaing funds into my savings. I did that, but also had set up bill pay on a few bills for the day after pay day. Work paid me on pay day, but Wells Fargo had an error and didn't credit it until the day after my bill pay was set. I also have overdraft protection... well, they didn't go overdraft protection on me, instead billed me for (I think) it was $300 in OD fees. I went ape ****!! Went into a local branch, was cool and calm and asked for the branch, told he wasn't in for half an hour, I told them I'd wait, patiently explained the situation, was denied a refund... presented my statements and asked that we speakerphone HIS boss and after an hour or so got it handled with a full refund.

Good luck with your battle.

You know the funny thing is friends keep asking my why I always feel so depressed and hopeless, most of it boils down to a bank doing something. First with wells fargo and our house (though they were within their rights and I can't blame them) no another bank is on the verge of making us homeless if this can't be worked out.


It's ok though because I am going to call, and keep calling until it's fixed and I refuse to take no for an answer even if I have to find some place to report them to.

[ebsoria]

You know the funny thing is friends keep asking my why I always feel so depressed and hopeless, most of it boils down to a bank doing something. First with wells fargo and our house (though they were within their rights and I can't blame them) no another bank is on the verge of making us homeless if this can't be worked out.


It's ok though because I am going to call, and keep calling until it's fixed and I refuse to take no for an answer even if I have to find some place to report them to.

Well, just keep one thing in mind- "One step after the next get's us to where we're going." Just keep walking.... it'll all work out if we work for it.

[Freyaka]

Well, just keep one thing in mind- "One step after the next get's us to where we're going." Just keep walking.... it'll all work out if we work for it.

I just need to stay calm...something I'm not good at in these situations because getting rude and cussing them out actually makes matters worse. They say your best chance of getting it fixed on things like this is getting them to understand what your going through and I know when I'm on the phone I tend to want to scream my feelings rather than calmly, politely voice them. So here's to hoping I can keep my cool.

[ebsoria]

I just need to stay calm...something I'm not good at in these situations because getting rude and cussing them out actually makes matters worse. They say your best chance of getting it fixed on things like this is getting them to understand what your going through and I know when I'm on the phone I tend to want to scream my feelings rather than calmly, politely voice them. So here's to hoping I can keep my cool.


That's actually a core tactic in winning friends and influencing people(not sure I read it in the actual book). But remember when mom used to say- "You'll catch more flies with honey then vinegar"? Well... use the honey.

[McSmashie]

I just need to stay calm...something I'm not good at in these situations because getting rude and cussing them out actually makes matters worse. They say your best chance of getting it fixed on things like this is getting them to understand what your going through and I know when I'm on the phone I tend to want to scream my feelings rather than calmly, politely voice them. So here's to hoping I can keep my cool.

Definitely dont scream or curse. That is actually less likely to get you what you need.

Be nice and polite. Apologize. Even if you did nothing wrong. Explain the situation calmly and ask how they can help you. If the low levels wont do it, ask for a manager. And start the process over. Thank them for any help or advice along the way. It definitely will help you get your way. BUT, dont give up, keep going up the ladder and using the same techniques.

[Alastor]

That's actually a core tactic in winning friends and influencing people(not sure I read it in the actual book). But remember when mom used to say- "You'll catch more flies with honey then vinegar"? Well... use the honey.

I find the contrary to be true in cases where customer service is lacking.

When a company has strong customer service, certainly I try to use the honey approach.

But for companies that lack customer service skills (AOL, Qwest, Comcast, etc) I find that being a complete ass works best.

If they have a strong customer service department then there's no need to be a pain in the butt, and speaking reasonably to a properly empowered customer service rep is probably going to get it done easily and happily.

If their customer service rep is not empowered though, and their customer service is not strong as a company, then they're probably going to put a lot of restrictions on what the customer service rep can do too (AOL is famous for this - let's make customer service reps, and then not let them make any decisions or do anything to help).

In those cases, the employees actually know the tricks of the corporate tape, but will probably not be inclined to use them - unless you become a problem and start complaining about them.

Then it becomes easier to "skirt the rules" and make you happy rather than continue to deal with you or risk you filing a complaint, for which the company will blame the employee rather than their own lack of customer service support.

So it depends. If a company has good customer service, yes; be reasonable and polite. It'll work better for you.

If they don't... The more noise you make the better off you are.

[Freyaka]

I did find some interesting digging. Last night she transfered $100 at 7pm, then after 9 she transfered the $10

TRANSFER FROM ACCT
#**** ON 07/13 VIA WEB
is what it says for the $100

the $10
TRANSFER FROM ACCT
#**** ON 07/14 VIA WEB

I hope that'll give me some leverage. I printed the current page out in case it mysteriously changes between now and then.

[McSmashie]

I find the contrary to be true in cases where customer service is lacking.

When a company has strong customer service, certainly I try to use the honey approach.

But for companies that lack customer service skills (AOL, Qwest, Comcast, etc) I find that being a complete ass works best.

If they have a strong customer service department then there's no need to be a pain in the butt, and speaking reasonably to a properly empowered customer service rep is probably going to get it done easily and happily.

If their customer service rep is not empowered though, and their customer service is not strong as a company, then they're probably going to put a lot of restrictions on what the customer service rep can do too (AOL is famous for this - let's make customer service reps, and then not let them make any decisions or do anything to help).

In those cases, the employees actually know the tricks of the corporate tape, but will probably not be inclined to use them - unless you become a problem and start complaining about them.

Then it becomes easier to "skirt the rules" and make you happy rather than continue to deal with you or risk you filing a complaint, for which the company will blame the employee rather than their own lack of customer service support.

So it depends. If a company has good customer service, yes; be reasonable and polite. It'll work better for you.

If they don't... The more noise you make the better off you are.

I gotta disagree with you Al. I work in sales, but when I am in the office, I also answer (what is supposed to be) a sales line (our number is all over companies website).

Anyways, myself and everyone I know will never lift a finger if someone is an ass on the phone. If they are nice, I will help. If they arent, well, Im not a Customer Service rep and I wont do a thing.

[CoryWinget81]

I did find some interesting digging. Last night she transfered $100 at 7pm, then after 9 she transfered the $10

TRANSFER FROM ACCT
#**** ON 07/13 VIA WEB
is what it says for the $100

the $10
TRANSFER FROM ACCT
#**** ON 07/14 VIA WEB

I hope that'll give me some leverage. I printed the current page out in case it mysteriously changes between now and then.


It's gonna get fixed. My wife said that its FDIC and NCUA policy to timestamp all online account activity. That includes even logging into the account.

[Freyaka]

I find the contrary to be true in cases where customer service is lacking.

When a company has strong customer service, certainly I try to use the honey approach.

But for companies that lack customer service skills (AOL, Qwest, Comcast, etc) I find that being a complete ass works best.

If they have a strong customer service department then there's no need to be a pain in the butt, and speaking reasonably to a properly empowered customer service rep is probably going to get it done easily and happily.

If their customer service rep is not empowered though, and their customer service is not strong as a company, then they're probably going to put a lot of restrictions on what the customer service rep can do too (AOL is famous for this - let's make customer service reps, and then not let them make any decisions or do anything to help).

In those cases, the employees actually know the tricks of the corporate tape, but will probably not be inclined to use them - unless you become a problem and start complaining about them.

Then it becomes easier to "skirt the rules" and make you happy rather than continue to deal with you or risk you filing a complaint, for which the company will blame the employee rather than their own lack of customer service support.

So it depends. If a company has good customer service, yes; be reasonable and polite. It'll work better for you.

If they don't... The more noise you make the better off you are.

I have never really had much luck with that approach in banking I really think that tends to work better with utilities from my past experience.

[Freyaka]

I gotta disagree with you Al. I work in sales, but when I am in the office, I also answer (what is supposed to be) a sales line (our number is all over companies website).

Anyways, myself and everyone I know will never lift a finger if someone is an ass on the phone. If they are nice, I will help. If they arent, well, Im not a Customer Service rep and I wont do a thing.

I gotta agree, I worked tech support for windstream/alltel for 5 years and I was much less likely to even put an effort in if someone was a jerk to me but if they were patient and polite I was more likely to try and email the local c/o or put a ticket in when it wasn't required to make sure I fixed the customer especially if I could sympathize with them and they were nice and polite throughout the call.

[Freyaka]

It's gonna get fixed. My wife said that its FDIC and NCUA policy to timestamp all online account activity. That includes even logging into the account.

Thanks cory (and everyone) for your support....It's been a rough month and I'm starting to feel like all I ever post anymore is woe is me sort of garbage but I apreciate the level of support that the ABF section of the boards have given me through this. I just need to calm down and go spend some time with my wife now that she's here since it is her birthday and she's rather down and feeling like this is her fault.

[McSmashie]

I gotta agree, I worked tech support for windstream/alltel for 5 years and I was much less likely to even put an effort in if someone was a jerk to me but if they were patient and polite I was more likely to try and email the local c/o or put a ticket in when it wasn't required to make sure I fixed the customer especially if I could sympathize with them and they were nice and polite throughout the call.

Take a few minutes before you call. Get some fresh air, take a short walk, whatever, then call.

Remember that it is going to take time to get what you want, so stay patient. Keep your cool, bud. Just remember, if you can deal with the Chiefs/Raiders/Chargers/Bears fan here, you can handle anything! :)

[Freyaka]

Take a few minutes before you call. Get some fresh air, take a short walk, whatever, then call.

Remember that it is going to take time to get what you want, so stay patient. Keep your cool, bud. Just remember, if you can deal with the Chiefs/Raiders/Chargers/Bears fan here, you can handle anything! :)

Yea I know... But since there is nothing more than can be done tonight I'm going to go watch warehouse 13 with my wife.


Then maybe move on to big brother (I have no idea why I continue to get addicted to that stupid show year after year...it's worse than my american idol addiction, at least with idol I end up typically getting a new band to enjoy like daughtry, david cook or kris allen)

[McSmashie]

Yea I know... But since there is nothing more than can be done tonight I'm going to go watch warehouse 13 with my wife.


Then maybe move on to big brother (I have no idea why I continue to get addicted to that stupid show year after year...it's worse than my american idol addiction, at least with idol I end up typically getting a new band to enjoy like daughtry, david cook or kris allen)

Break out the Rock Em! Sock Em! Robots and relieve some stress!

http://1.bp.blogspot.com/_rlhZCdZl2is/SRlQbrQ3N0I/AAAAAAAAG8I/3TJ1iyqOQ0U/s400/6091.jpg

[Freyaka]

Wish me luck I'm getting ready to spend the half hour before I have to be to work on the phone pestering them. I'll post an update when I have one.

[ebsoria]

Lay some good news on us brutha!!!!!!! :peace:

[Freyaka]

Lay some good news on us brutha!!!!!!! :peace:

Would if I could, they say the transfer was made at 11:45pm (after we went to bed at 10pm......) they refuse to budge, still on with them now fighting it.

[Freyaka]

Well I got them to initially offer to credit me $75 now it's up to $164 so it's a step in the right direction but I don't really want take anything less than the full amount for something that's not my error.

[ebsoria]

Well I got them to initially offer to credit me $75 now it's up to $164 so it's a step in the right direction but I don't really want take anything less than the full amount for something that's not my error.

Then stay on the phone and keep pluggin away!!!!!!

We're behind ya. :go:

[Freyaka]

I finally gave up after like 5-6 supervisors this afternoon and this morning and took the $164...it's better than nothing. I called the landlord she's willing to let us write 2 $500 checks and she'll cash one friday and one wednesday when my wife gets her freaking $1800 check.


What a mess.... I feel like I just went 10 rounds in the ring with ali then he tagged out and let tyson give me 3-4 rounds of punishment.

[ebsoria]

I finally gave up after like 5-6 supervisors this afternoon and this morning and took the $164...it's better than nothing. I called the landlord she's willing to let us write 2 $500 checks and she'll cash one friday and one wednesday when my wife gets her freaking $1800 check.


What a mess.... I feel like I just went 10 rounds in the ring with ali then he tagged out and let tyson give me 3-4 rounds of punishment.

Hey... let's get that that silver lining....

.... you are still getting you place.

You got some of it back.

You're off the phone!!!

[Freyaka]

I know...Expecially the last line..I guess one way of looking at it is we have keep the change and they've put $368 in my savings account since we started keep the change so I guess I'll just call it even. But you can bet your butt I'm bolting I'll be heading over to a local bank from here on out I'm done dealing with a large chain.