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Author Topic: What a screwed up day!  (Read 1726 times)

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Offline Jerry71

  • Member
  • Posts: 955
  • {Lexiva, Norvir, Complera} Still Breathing!!!
What a screwed up day!
« on: October 04, 2007, 01:56:35 AM »
Last night I waited till 12 midnight for my SSI check to be deposited into my savings account. Well I logged on as usual, but something was wrong no savings account was there. Went to my bank this morning and they had canceled my savings account because there were no money in  my account. So the lady at the checking counter called the main office to find out where my check was it was there and they went ahead and deposited it into my checking account. So then the lady says your money is in your account and I said thanks. Came back home and paid a few bills on-line noticed the check had been deposited.

Went back to my bank withdrew some money out to pay for my title loan. Paid that off. Went to spend the day with my sister and left and was coming home and thought I better stop and get some gas for my car. Pulled into the station to get gas and my check card would not work. Went in and the attendant said she had a drive off recently and for me to pull ahead and use the next pump. Filled the car up with $25 worth went back to pay the attendant my card declined. I was shocked did not have any cash on me. Thought oh shit I am going to get arrested. Called my sister and she brought me my money to me form her bank and paid for the gas.

Got home logged on the computer went to check my account and there was no check ever deposited? ???

Now I have all these bills that I have paid and now it is saying I'm in the hole. ::)

If it isn't one thing it is a million things that could go wrong today.

UGHHHHHHHHHH

Dan J.

  • Guest
Re: What a screwed up day!
« Reply #1 on: October 04, 2007, 02:38:05 AM »
That sux Jerry. Sorry this happened. Hopefully you can get all this sorted out Thursday.

Offline Queen Tokelove

  • Member
  • Posts: 6,033
  • Smokey the Smurf
Re: What a screwed up day!
« Reply #2 on: October 04, 2007, 03:33:32 AM »
Banks are such funny institutions. Something similiar happened to my roomie a few months ago. More than likely even though you went into an office branch and they reopened your account, it still usually takes some time for it to show up online or for a bank card. You will prolly have to get another bank card. I would go back to the branch you went to and properly bitch.
Started Atripla/Ziagen on 9/13/07.
10/31/07 CD4-265 VL- undetectable
2/6/08 CD4- 401 VL- undetectable
5/7/08 CD4- 705 VL- undetectable
6/4/08 CD4- 775 VL- undetectable
8/6/08 CD4- 805 VL- undetectable
11/13/08 CD4- 774 VL--undetectable
2/4/09  CD4- 484  VL- 18,000 (2 months off meds)
3/3/09---Starting Back on Meds---
4/27/09 CD4- 664 VL-- undetectable
6/17/09 CD4- 438 VL- 439
8/09 CD4- 404 VL- 1,600
01-22-10-- CD4- 525 VL- 59,000
Cherish the simple things life has to offer

The Royal Blog

Offline BT65

  • Global Moderator
  • Member
  • Posts: 9,915
Re: What a screwed up day!
« Reply #3 on: October 04, 2007, 07:23:07 AM »
Sounds like you've had an overload of stress.  At the credit union I've been using for the past 10 years, my check doesn't show up on my account until like 8:30 a.m.  At the bank I was with before the credit union, it always showed up at midnight.  Different strokes for different folks (banks). 

It might just take awhile before your check is posted to your account.  But I would definitely talk with the bank so that the checks you wrote out for your bills don't bounce. 
I've never killed anyone, but I frequently get satisfaction reading the obituary notices.-Clarence Darrow

Offline Nadine

  • Member
  • Posts: 1,253
  • Member since: August 2005
Re: What a screwed up day!
« Reply #4 on: October 04, 2007, 07:27:52 AM »
I hope that everything is alright this morning Jerry!

Offline mjmel

  • Member
  • Posts: 2,069
Re: What a screwed up day!
« Reply #5 on: October 04, 2007, 09:31:15 AM »
What an ordeal!  It's a harsh way to learn about bank policies concerning zero balances. Happen to me once. Left an account inactive and the small balance was used up by monthly banking fee. I was inbetween jobs and it took a couple of months to finally get monies flowing again. When I tried to deposit the second payroll check I received, the account had been closed.
Lesson: Never allow balances to get too low. To avoid this in the future, ask one of your bank managers of the specifics of the minimum balance required. Jerry, it helps to understand they (banks) have blanket policies in effect for some occurances. i.e. If an account sits too long at zero without activity = terminate account.
Seems to me you took appropriate measure to prevent this, though. sorry it happened to you.
Mike

Offline emeraldize

  • Member
  • Posts: 3,344
Re: What a screwed up day!
« Reply #6 on: October 04, 2007, 09:45:51 AM »
Hey Jerry

Sucky day for sure. Here's the part that confused me...
Came back home and paid a few bills on-line noticed the check had been deposited.

How could it have been "un-deposited" or removed from your checking account? That's what I would ask the bank. You would not have gone ahead to pay bills had you not seen the deposit had occurred.

If you incur ANY return check fees or Insufficient Funds fees, the bank should be the one to pay. I would get this part addressed asap with a bank branch manager.

Hope it's smoothed out for you today.
Em

Offline Jerry71

  • Member
  • Posts: 955
  • {Lexiva, Norvir, Complera} Still Breathing!!!
Re: What a screwed up day!
« Reply #7 on: October 04, 2007, 09:52:05 AM »
Well the fought was with the bank someone did not post the memo that the money was deposited in my account. Have been on the phone with them all morning dealing with this and they told me they were to blame and were sorry for there mistake. I just love it when the customer is right and the computer system was wrong. Someone did not see that it was posted and just claimed that my account had no money in it.

Everything is fine now and I will not have to pay any surcharges for the checks that I had paid yesterday. I no longer have the savings account for now on direct deposit will just go directly into my checkings account.  8)

Offline Dachshund

  • Member
  • Posts: 5,954
Re: What a screwed up day!
« Reply #8 on: October 04, 2007, 10:06:05 AM »
Well the fought was with the bank someone did not post the memo that the money was deposited in my account. Have been on the phone with them all morning dealing with this and they told me they were to blame and were sorry for there mistake. I just love it when the customer is right and the computer system was wrong. Someone did not see that it was posted and just claimed that my account had no money in it.

Everything is fine now and I will not have to pay any surcharges for the checks that I had paid yesterday. I no longer have the savings account for now on direct deposit will just go directly into my checkings account.  8)

Jerry, just give your money to me and I will invest it for you. ;) Glad you got it taken care of.

Offline northernguy

  • Member
  • Posts: 1,347
Re: What a screwed up day!
« Reply #9 on: October 04, 2007, 10:55:48 AM »
That's why I keep my account permanently in overdraft :D
Apr 28/06 cd4 600 vl 10,600 cd% 25
Nov 8/09 cd4 510 vl 49,5000 cd% 16
Jan 16/10 cd4 660 vl 54,309 cd% 16
Feb 17/10 Started Atripla
Mar 7/10 cd4 710 vl 1,076 cd% 21
Apr 18/10 cd4 920 vl 268 cd% 28
Jun 19/10 cd4 450 vl 60 cd% 25
Aug 15/10 cd4 680 vl 205 cd% 27
Apr 3/11 cd4 780 vl <40 cd% 30
Jul 17/11 cd4 960 vl <40 cd%33
April 15/12 cd4 1,010 vl <40 cd% 39
April 20/12 Switched to Viramune + Truvada
Aug 2/12 cd4 1040, vl <40, cd% 38
Oct 19 cd4 1,110 vl <40 cd% 41

Offline HealthyMomma

  • Member
  • Posts: 128
Re: What a screwed up day!
« Reply #10 on: October 04, 2007, 03:50:59 PM »
Glad to hear everything is sorted out! I woulda been pissed!

Offline Queen Tokelove

  • Member
  • Posts: 6,033
  • Smokey the Smurf
Re: What a screwed up day!
« Reply #11 on: October 04, 2007, 07:50:10 PM »
Glad it got cleared up for you, Jerry....
Started Atripla/Ziagen on 9/13/07.
10/31/07 CD4-265 VL- undetectable
2/6/08 CD4- 401 VL- undetectable
5/7/08 CD4- 705 VL- undetectable
6/4/08 CD4- 775 VL- undetectable
8/6/08 CD4- 805 VL- undetectable
11/13/08 CD4- 774 VL--undetectable
2/4/09  CD4- 484  VL- 18,000 (2 months off meds)
3/3/09---Starting Back on Meds---
4/27/09 CD4- 664 VL-- undetectable
6/17/09 CD4- 438 VL- 439
8/09 CD4- 404 VL- 1,600
01-22-10-- CD4- 525 VL- 59,000
Cherish the simple things life has to offer

The Royal Blog

Offline Basquo

  • Member
  • Posts: 3,254
Re: What a screwed up day!
« Reply #12 on: October 04, 2007, 08:06:56 PM »
Jerry, if you do decide to switch banks, see if you can talk to other people in your area who get their checks direct-deposited about when it goes in.  Like others said, every bank is different.  For example, I know the corporation I work for sends all the deposits at once, but my DDs (direct deposits, not tits) hit my savings account at the credit union at 12:01am Thursday and my checking account at another bank about 3:30-4:00am on Friday.  Good to know if you want to select a bank where you'll get your money ASAP, but it sounds like you just want the peace of mind to know when, for sure, it's going to happen.

Glad you got it straightened out!  Mucho satisfacion when the customer is right!  ;D

Offline Jody

  • Member
  • Posts: 1,823
Re: What a screwed up day!
« Reply #13 on: October 04, 2007, 10:15:13 PM »
Glad you got the banking problem fixed Jer, financial problems just add more stress to folks' already stressful lives...Keep on truckin' big guy !!!

Jody

"Wake up to find out that you are the eyes of the world".
 "Try to discover that you are the song that the morning brings."

Grateful Dead

 


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