shawmutt
Aquarium Advice Addict
Ok, I'm writing this in a fit of rage, and even though this has nothing to do with fish--wait--if this goes badly I'll have to spend a ton of money and I won't be able to get the 55 gallon setup I wanted--AAAAAAAAAARGH!!!
My wife goes out to buy some food and the bank's debit card is declined. She finds this odd, as we have (for once) plenty of money in the bank. So she tries the credit card (same bank), and it is also declined, which is very odd, because we have a high credit limit and no balance. She uses our emergency card to pay and get out of the store, and comes home to tell me about it.
I call the bank to find out what's going on, and they ask to speak with my wife. They tell her the cards were reported stolen. It seems that they really screwed us up. My wife has her own account with the bank, and that account is for her own spending money. I had an account of my own, and I added my wife for a joint account. They sent my wife a new debit card for the joint account, but the card they sent was for HER spending account, not OUR joint account (and we find this out a year later?!?!) . Every time she made a purchase, it would come out of her account, which she only checks once in a great while because she only uses it once in a great while.
So what did the bank do? Well, they didn't call us to let us know something funny was up. They waited until she had lots and lots of overdrawn purchases and then cancelled the cards! There is no overdraw protection on the account. Of course, by the time I had this straightened out on the phone with a bank rep, the banks were closed, and the rep said I needed to take it up with the banks! AAAAAAAAAARGH!!!
I mean, it has happened before to me--once a paycheck didn't go through on the right day and I overdrew something like 10 times. I bought little things like gas and snacks (thinking the money was there) on a trip I took, but every time I did I was being charged a $30 overlimit fee. Those little items cost me $300! Of course it wasn't the bank's fault. And I know that other people are being charged fees like that. If the internet is to be believed, fees like this are big business for banks. There HAS to be a way to fight banks and stop them from doing this. AAAAAAAAAARGH!!!
My wife goes out to buy some food and the bank's debit card is declined. She finds this odd, as we have (for once) plenty of money in the bank. So she tries the credit card (same bank), and it is also declined, which is very odd, because we have a high credit limit and no balance. She uses our emergency card to pay and get out of the store, and comes home to tell me about it.
I call the bank to find out what's going on, and they ask to speak with my wife. They tell her the cards were reported stolen. It seems that they really screwed us up. My wife has her own account with the bank, and that account is for her own spending money. I had an account of my own, and I added my wife for a joint account. They sent my wife a new debit card for the joint account, but the card they sent was for HER spending account, not OUR joint account (and we find this out a year later?!?!) . Every time she made a purchase, it would come out of her account, which she only checks once in a great while because she only uses it once in a great while.
So what did the bank do? Well, they didn't call us to let us know something funny was up. They waited until she had lots and lots of overdrawn purchases and then cancelled the cards! There is no overdraw protection on the account. Of course, by the time I had this straightened out on the phone with a bank rep, the banks were closed, and the rep said I needed to take it up with the banks! AAAAAAAAAARGH!!!
I mean, it has happened before to me--once a paycheck didn't go through on the right day and I overdrew something like 10 times. I bought little things like gas and snacks (thinking the money was there) on a trip I took, but every time I did I was being charged a $30 overlimit fee. Those little items cost me $300! Of course it wasn't the bank's fault. And I know that other people are being charged fees like that. If the internet is to be believed, fees like this are big business for banks. There HAS to be a way to fight banks and stop them from doing this. AAAAAAAAAARGH!!!
and not just merely :x. I just explained what happened, 
, and they took care of everything (hopefully).
.
