Now normally I have come to terms with my own stupidy, clumsyness, and all around retardedness. I generally see it as a force of nature hell bent on distroying the world. Currently in this infancy that is 2007 this same force of nature seems hell bent on distroying me, and maybe H's truck. I do think i'm its primary target and the truck was just a side effect. Anyways here's where it all began.
So I was checking the blance on my checking account last monday morning, and to my surprise I had a negative balance. Now I'm well aware of the fact that I don't balance my checking account per say, but there should have been money in the account. So I've now started my day wicked pissed off. So I click on the button that says checking and see a charge for some random thing called Wireless Rave. Now there is a phone number that goes with the charge so I try to call it, being the diligent banker that I am. Only problem is that the phone number is disconnected. Now I don't buy things that cause money to be taken out of my checking account at random times, but even so I went back like five months to see if there were any other charges to the same place. Anwer no more charges. Now I know I haven't made any purchases with my debit card like like a week and a half, so I didn't do. Unless of course my sleep talking has recently turned into sleep buying and I have not recollection of the purchasing taking place. I think to myself and I 100% certain that I can count out the sleep purchasing.
Now as a dilligent banker I take the next reasonable step and call my bank to get more information on where this charge came from. The lady I talked to really had no information for me other than that I could close the account if I thought some one had access to my bank information. Now this was not really a possiblity seeing as I was going to get paid in less that 48 hours and I have direct deposit. The last thing I need was a checking account in the negaitive and a pay check in limbo. I asked the women to take the 15 dollars out of my savings accounts so it was no longer negative and she said she couldn't do that. Then She lets me know that I can deposit the money into the account if I want to. Now I don't know about the rest of you, but I don't really keep spare cash laying around the house, and let my checking account have almost no money in it. Not because I never carry cash, but because the only reason the account would have been so low in the damn first place would be becasue I don't have any fucking money. But mabye thats just me. I'm less than happy at this point my you, so I tell her I will try to call the number that was from the posted charge again, and see if that helps.
I hang up then and again try to call the number. This is unsuccessful again as it seems I am more than able to dial a phone number. At this point I'm getting more than a little upset. Not only is my checking account negative a state which is hasn't been in since I was 19, I have no money to put in my account, and even if I did my bank is in Dupage county and I live in Chicago. Stupid credit union. Even if I had the money I could deposit it in the account. So Now I have to do my favorite thing in the whole world, I have to call my mom and ask for money. Now let me just say to start with it is not that my mom won't give me the money if she in fact has the money. Its just that I HATE to have to ask for money for something so stupid. Anyways I find myself running out of options, so I break down and make the phone call. My dad answers, and of course my mom is not home. So I break out into tears, why I don't really know as if my mom would have answered the phone there probably would not have been tears. Needless to say my dad said he would go put some money in the account. So he put in 40 dollars I guess to make sure it covered any chareges that might have occured.
Now that I have the money thing taken care of and since I still can't figure out the charge I call the bank back. This time I talk to a guy who is way more helpful. He tried to call the number himself before I even said anything, so he knew it was out of service. He still didn't have any more information about the charge, but he did tell me it was on my debit card so he could cancel that and send me a new one so it didn't happen again. Now I'm still not excited about this since I pretty much live on my debit card, but I think I can't just ignore the problem, so I cancel the card. I have to get my hair done in wheaton on wed anyways. I will just have to run to the bank then.
....to be cont'
Monday, January 15, 2007
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