Arguing with the Bank

^^^At the start of a beautiful day, riding along Rt. 229 on the way to Catalpa, VA

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So after two days, I found the house that I needed to inspect. It took talking to the RIGHT person in the zoning department. 🙂 The house HAS a physical address and YES, GPS can find it. I was so relieved, as this was getting on my last nerve. I knew that the county would have to know if there was a house on the land and would also have to have an address for it. Ha, you know they wouldn’t miss out on their taxes. …anyway, that’s over with. I just have to upload the pictures and then I’m done. I also printed up a map of the land and the house so that the next field inspector won’t have to go through this crap. I’ll take photos of them and upload them too.

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Some of the banks sure are getting slick as hell.

While I was out in the boonies looking for that house, I received and e-mail from my bank saying the my balance was $-50.21.
I’m going WTF????
I had the bank that I use for business set up to where they will e-mail if that account gets a balance of less than 50 dollars……. That’s +50.00 not -50.21!!!!

After I found the house and took a ton of photos, I stopped by the UPS store to see about my mail. In the stack of envelopes is one from the bank. A letter in there tells me that my balance is $-350.21.
I’m going WTF??? and walk to the corner to the bank.

The teller that set up this account told me that the bank had approved a $300 overdraft protection for me. I showed her the e-mail on my phone and ask:

Me: “Okay, so what does THIS mean?”

Teller: “That department doesn’t have the same information that we have yet, you are now $350.21 overdrawn.”

Me: “How is this possible? My card has not been declined.”

Teller: “It’s because of the overdraft protection.”

Me: “Okay, so if I have $300 overdraft protection, why am I being charged $34 per transaction that is overdrawn and why is my card not being declined?”

Teller: “No, it wouldn’t be declined. We tried to call you last week at 000-999-0000 as soon as your account was overdrawn.”

Me: “My phone number is not 000-999-0000, it’s 000-998-0000! I set up this account with you. I gave you my business card with my phone number on it, how could you get this wrong?”

Teller: “Oh, I don’t know what happened, let me change the number right now. No wonder I couldn’t reach you. I also wanted to tell you in person, but every time you came in, I forgot to tell you.”

Me: “Okay…so, getting back to the e-mail to notify me when my account gets below $50, what happened there???”

Teller: “I don’t know. We don’t do that here. It’s another department. They get the information later than we do.”

Me: “I want you to take off that overdraft protection now!!”

Teller: “Okay, but once we take it off you will never be able to get it back.”

Me: “Doesn’t matter, it’s useless!! This is crazy, you want to give me $300 to use so I won’t be overdrawn and when I use it you want to act like it’s really not there and punish me with charging me $34 for each transaction. This doesn’t make any sense, just take it off!”

What a fucked up ending to a beautiful day!!