Tuesday, June 30, 2009
Spinning the wheel again
So as most people probably know Steve asked me to give medication another try. I've been on abilify for about a week now, and i have to say I do think it's helping. Today I started strattera. That generally makes me pretty sick when i first start it. On top of that i have apparently an inner ear problem that is making me lightheaded and dizzy, and an inflammation in my chest wall that's causing me a good deal of pain. i woke up yesterday with my sinuses all gunked up too. So long and short of it is i'm not feeling so good. I just hope all this passes shortly. I hope this is the last round of medicine roulette i have to play.
Monday, June 22, 2009
PNC Bank...a cautionary tale.
MY BANK JUST STOLE $180 FROM ME!!!!!! First of all I was charged 5 fee for 4 supposed overdrafts. These 4 charges are being shown as having posted Thursday night but in fact they posted Friday night as I DID check with the bank and they were still pending Friday morning AFTER my husbands check was deposited. But here's how my statement reads currently....
charge ........... balance
starting.......... 40.35
giant 22.54 .............. 17.81
overdraft 36.00 ............. -18.19
blizzard 14.99 .......... -33.28
blizzard 14.99 ........... -48.17
redbox 4.24 ............ -52.41
redbox 2.12 ............... -54.53
paycheck +881.27 .............. 826.74
overdraft 36.00 .............. 790.74
overdraft 36.00 .............. 754.74
overdraft 36.00 ............ 718.74
overdraft 36.00.......... 682.74
Friday it looked like this
transaction.............. balance
starting.............. 40.35
giant 22.54........ 17.81
paycheck +881.27.............. 889.08
so anyways I call the bank to complain get as high up as i can in the management. Here is the explanation i'm given.
manager: well when you made the charge at giant the blizzard fees were pending so you had a pending overdraft
me: you charged me for a pending overdraft?
manager: yes that's our policy
me: well if you had already deducted the blizzard fees from my account why was I charged an overdraft from them.
manager; well we hadn't ACTUALLY deducted the money from your account it was just pending. but we had charged the overdraft fee which had overdrawn your account so when they posted they further overdrew your account and you were charged for them.
me: so you charged me for an imaginary overdraft which caused a real overdraft which you then charged me for twice
manager: PENDING overdraft and thats our policy
Me: ok when i go to the gas pump and put my card in it automatically puts a hold on $50 so you would consider that a pending transaction
manager: that is correct
me: so if i had $75 in my account and it holds $50 that leaves $25. If i then put $40 in my tank you would consider that an overdraft even though the $50 hold is refunded
manager: that is correct
me: That is ridiculous
manager; that's our policy
me: Well why are the charges shown as being posted thursday night when friday morning they were still pending. AFTER my husbands check was credited to the account
manager: well sometimes our computer is a little slow
me: it wasn't slow in crediting my husbands paycheck and all of these supposed "overdrafts" are now showing the same timestamp as my husbands money being deposited
manager: well we don't care in what order transactions actually come in. We do them all at the same time at midnight. Our policy is to start with withdrawals for the day beginning with the largest down to the smallest and THEN we make deposits
me: So basically you are purposely fucking me over and making sure you can charge me as many overdraft fees as possibly
manager: That's our policy
ARRRGGGHHHHHHH
Yes i asked them to please help me out as i have had this account 6 years. they said no. I threatened to change banks (which I will be doing after extensive research into each ones policies) They laughed...LAUGHED and said 'I'm sorry you feel that way"
I know you are all going to say 'well you should have been aware of their policies going in" When I opened this bank account 6 years ago it was Bank of Lancaster County. Their policy was deposits first and THEN withdrawals in the order they came in. The never ONCE charged me for a pending overdraft and in fact never charged me for overdrafts that were less than $5. Then a year ago they were bought out by PNC and everything changed.
Yes I know it is my responsibility to know how much money is in the account, but my husband and i do live very hand to mouth. Last year we supported a family of four on under 35K and that was a good year (but an additional person) So yeah overdrafts do happen from time to time. I am ok with paying for them when they do, but i feel like my bank REALLY took advantage or liberties even with the situation here.
So no i am not going to sit here just whining about it. i have already stopped the direct deposit on my disability checks and had those transferred to my personal account i usually use for paying bills and business (basically i opened another account with another bank that my husband doesn't have access to to pay bills to try and AVOID overdrafts since he is not responsible with the accounts and is usually the cause behind an overdraft) My husband will be stopping direct deposit of his paychecks tonight when he goes in. I am going to spend this afternoon making a worksheet of questions and for instances to fill out at each bank i visit and tomorrow making the rounds to decide which bank is best for us.
charge ........... balance
starting.......... 40.35
giant 22.54 .............. 17.81
overdraft 36.00 ............. -18.19
blizzard 14.99 .......... -33.28
blizzard 14.99 ........... -48.17
redbox 4.24 ............ -52.41
redbox 2.12 ............... -54.53
paycheck +881.27 .............. 826.74
overdraft 36.00 .............. 790.74
overdraft 36.00 .............. 754.74
overdraft 36.00 ............ 718.74
overdraft 36.00.......... 682.74
Friday it looked like this
transaction.............. balance
starting.............. 40.35
giant 22.54........ 17.81
paycheck +881.27.............. 889.08
so anyways I call the bank to complain get as high up as i can in the management. Here is the explanation i'm given.
manager: well when you made the charge at giant the blizzard fees were pending so you had a pending overdraft
me: you charged me for a pending overdraft?
manager: yes that's our policy
me: well if you had already deducted the blizzard fees from my account why was I charged an overdraft from them.
manager; well we hadn't ACTUALLY deducted the money from your account it was just pending. but we had charged the overdraft fee which had overdrawn your account so when they posted they further overdrew your account and you were charged for them.
me: so you charged me for an imaginary overdraft which caused a real overdraft which you then charged me for twice
manager: PENDING overdraft and thats our policy
Me: ok when i go to the gas pump and put my card in it automatically puts a hold on $50 so you would consider that a pending transaction
manager: that is correct
me: so if i had $75 in my account and it holds $50 that leaves $25. If i then put $40 in my tank you would consider that an overdraft even though the $50 hold is refunded
manager: that is correct
me: That is ridiculous
manager; that's our policy
me: Well why are the charges shown as being posted thursday night when friday morning they were still pending. AFTER my husbands check was credited to the account
manager: well sometimes our computer is a little slow
me: it wasn't slow in crediting my husbands paycheck and all of these supposed "overdrafts" are now showing the same timestamp as my husbands money being deposited
manager: well we don't care in what order transactions actually come in. We do them all at the same time at midnight. Our policy is to start with withdrawals for the day beginning with the largest down to the smallest and THEN we make deposits
me: So basically you are purposely fucking me over and making sure you can charge me as many overdraft fees as possibly
manager: That's our policy
ARRRGGGHHHHHHH
Yes i asked them to please help me out as i have had this account 6 years. they said no. I threatened to change banks (which I will be doing after extensive research into each ones policies) They laughed...LAUGHED and said 'I'm sorry you feel that way"
I know you are all going to say 'well you should have been aware of their policies going in" When I opened this bank account 6 years ago it was Bank of Lancaster County. Their policy was deposits first and THEN withdrawals in the order they came in. The never ONCE charged me for a pending overdraft and in fact never charged me for overdrafts that were less than $5. Then a year ago they were bought out by PNC and everything changed.
Yes I know it is my responsibility to know how much money is in the account, but my husband and i do live very hand to mouth. Last year we supported a family of four on under 35K and that was a good year (but an additional person) So yeah overdrafts do happen from time to time. I am ok with paying for them when they do, but i feel like my bank REALLY took advantage or liberties even with the situation here.
So no i am not going to sit here just whining about it. i have already stopped the direct deposit on my disability checks and had those transferred to my personal account i usually use for paying bills and business (basically i opened another account with another bank that my husband doesn't have access to to pay bills to try and AVOID overdrafts since he is not responsible with the accounts and is usually the cause behind an overdraft) My husband will be stopping direct deposit of his paychecks tonight when he goes in. I am going to spend this afternoon making a worksheet of questions and for instances to fill out at each bank i visit and tomorrow making the rounds to decide which bank is best for us.
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