Boing boing boing boing

I bounced 2 checks and it was not even my fricking fault.

I gave her day care 2 checks. One was not supposed to be deposited.


It was.

That was an extra 450.00 that was attempted to be pulled from my account which was at 112.00 at the time.
I also had little Flash's nut removal check coming too.. 68.00
AND- 25 dollar co-pay.

20.00 for the day care check
35.00! for the nut check
35.00 for the co-pay


Sorry. I dont make 100.00 in three days. No way.

There was a with draw of funds from my second account in attempt to cover any negative balance in my first checking.

A whopping 15.00 was pulled.
That cost me another 10.00 And it was not even enough to cover the original 450.00 check deposited in error.

Some how, I now owe a monthly maintance fee for second checking account ( the one where they pulled 15.00?!)

5.95
20.00 for being overdrawn there


Of that 15.00 that was there 7.95 was going to a card charge of gasoline.
Nope. Its gone.

7.95 owed to the bank
35.00.00 for it not being there.

( All of this happens in two days!)

I race back to her day care, get a check from the director and still manage to smile at him when he tells me "Yes. I saw two checks from you in one month. I thought that was odd.."



Yet, you deposit it anyway huh? And did not even ask? Did you think i was tipping you 450.00?! ( Not said out loud)

I race that to the bank and still owe 261.91


I get ahold of the bank manager and show her , calculator in hand, what happened. I have NEVER bounced a check with them and I always have overdraft protection on my account to cover any miscalculations on my part. My account has NEVER been in the negative and I dont owe them a dime in credit.

" Im sorry Mrs , there is nothing I can do to help you at this point. We can not even tell if the check was rejected by Bank of this country or not. Until it actually clears, there is nothing to stop, nothing to refund and no action can be taken. It has to post, or be returned first. "


The following day-
Check card reversal 20.00 ( apparently I was over paid by yahoo for a fraud claim)

35.00 for being overdrawn

Now. I am at -316.00



I go BACK to the bank.. They tell me that yes, the check was honored ( meaning they paid the 450.00 check to the day care even though the money was not in my account... )
Well DUH. It was obviously paid, my account shows I owe it.. dumbasses.
That is what I have been saying all along.

Friday-
hurt my arm so bad I HAVE to see a doctor.
I cant lift it, I cant turn it, it is hot and swelled up so much you can see it through my shirt.

OUT COMES.. the secret Mrs wolf account to pay for it.
Secret Mrs wolf account has 68.00 ( we have been using it over the last few days to make small ends meet while our account has been spiraling out of control)

Mrs wolf's copay is 25.00, or 35.00 for small , unidentifiable clinic .. which I end up choosing on a late Saturday afternoon. The only one open close enough for me to be able to drive safely.

Get in clinic, get checked out, get 2 RX. One for swelling and a muscle relaxer.

Get to counter.. Hand over secret card to angry teller..

She swipes card


Returns card + receipt to me saying " Sign here. Your total today is 148.00. That is 70% of the visit. I can not verify your insurance at the moment, their system seems to be down online. WHen I can verify, you will receive a refund check. That takes about 5 days."

Thank god my arm hurt.

Thanks bitch, for not being polite enough to tell me this BEFORE I went in so that I could have gone somewhere else, or even went to the ER where I know they have my insurance information.
Thanks for causing my OTHER account to go in the hole.
Thanks for costing me another 35.00 in fees.
**** you.

-351.90
As of right now.


I am tired...pissed off.. and scared of having my accounts so far in the negative.


I went to my bank yesterday almost in tears and talked to a manager there. I understand her reasonings for not helping more, but she was able to rid my account of one fee on the second 450.00 check, and two fees on my account that has the overdraft protection on it because she could tell the two were related. And those were the first 'bounces' I have ever had with the company. The other ones? Im shafted for


All thanks to someone who did not take a second to ask if two checks was correct for the same bill in one month..

well.. it truly is not his fault, I mean, I wrote the god damn check.. but..
COME ON man.. cant someone give me some ******* slack here..


(whew)
A lot of typing. A lot of steam.
I really just needed to vent that somewhere..