Well, not really. But I hadn’t written anything in a while, and I was trying to figure out why. I assumed it was because I had nothing funny going on, or nothing to talk about but that is NOT TRUE.
I don’t know if some of you have been or were affected by the hacking of the MasterCard/visa card databases? I was. I actually have alerts set up on all my accounts for large purchases, blah blah blah, so when I saw an email come through on my debit card in close to 900 dollars in charges, I thought “what the f-ck?” and immediately tried to remember if I paid for something and completely forgot about it.
I did not! So I call my bank and ask them to decline the charges – and here’s where the fun starts.
1. Did you know that with a debit card, they can’t decline charges until they post, and then you have to file a fraud claim?
2. Did you know that if you call them when you’re cranky and tell them that’s the stupidest f-cking thing you’ve ever heard, they hang up on you?
Both statements are true. Now, this went on for several days, snowballing into well over two weeks that I’ve been going back and forth with this particular bank (it rhymes with “schmaptial one”). At one point, the charges reversed – so I was stoked – and moved whatever money that was in my checking account (minus what drafted to pay over the next day or two that I had no chance to swap to my other bank) into my savings account, to withdraw. And immediately got hit with another 70 dollars in insufficient funds fees.
You can all rest assured that I had those fees removed. I also was asked by my bank if I wanted to deposit some money into a new checking account to link my new debit card to, and then open a line of credit against my new checking account – ya know – to avoid fees I shouldn’t even have been charged in the first place.
I gave them the ole bitchface stare and said “I’m just going to pretend that you didn’t even ask me that. You can either refund the charges you’re making against my account, and leave that balance at 0.33 cents, or you can have a negative 69.77 balance on this account for the rest of my life”
**note: my credit card was also compromised. That, however, was immediately declined and they just issued a new card. That I will most likely never use again. I’m going to start getting hard checks and stuffing the money under my mattress, at least then I won’t have to threaten to punch people in Kentucky for taking me money**