Playing Catch Up

I'm not sure exactly how it happened, but apparently I have a small bit of time to myself - kinda. The boy is (temporarily) engrossed in a Pokemon movie, and the cast repair took lees time than expected, so here I am. I am going to try to catch up on all the stuff going on in our world....

KARATE

I am now the parent of an official white-with-yellow-stripe-belt-holder. That's right, my boy has moved up a level, broken arm and all! And he's thrilled. Almost as thrilled as Daddy is proud! Hunny took his original belt, with all the stripes, and put it up. He wants to put it in a shadowbox for display. Nope, no pride there *grin*. They did a whole ceremony thingie at the dojo, presenting certificates & belts. Well, that was the plan. But the belts hadn't arrived from the shipper, so they presented the certificates, and gave out the belts when they came in. Which is fine, really. I think the ceremony & honoring the kids in front of God & everyone, letting them know what a good job they're doing, is way more important than a piece of fabric.
Here are a few pics:

BROKEN ARM

We went to the doctor's two weeks ago, but despite waiting for 2 1/2 HOURS (I will say, that was an anomaly though), we didn't get the new cast my boy so desperately wanted. Yesterday was The Day. We have a new cast,

But as I said in last night's short post, it was too long.

My boy was very happy to have his elbow back. Not so much for the elbow itself, but more for the ability to get to all the itches, since there is no longer a bend to try to navigate! We had a few "hairy" moments, during cast application & forming, but it seems like it wasn't nearly as bad as the first one. He actually cried for a minute or two the first time. This time he just kinda grimaced...

When we left the doctor's office yesterday he was high spirits. Well, he's always in high spirits, but more so than average. But then it started hurting in the bend of the elbow. Stacey stuck some gauze in it, to try to cushion it a bit, but you know that boy of mine. No chance it would stay there unmolested! He had to take it out & re do it, if he moved (which he does pretty much constantly...) it came out and had to be put back. And of course it was a bit of a tight fit, so there was pinching. And he had Karate yesterday.
Needless to say, by the time Mom got home, he wasn't a real happy camper. But I will say this for him, while he is fully capable of being whiney, and gets that way on occasion, it's rarely about anything serious. He never really bitched about it being raw, just said it hurt, then tried to move it as little as possible.

I called the doctor's office this morning, and they had me bring him in so they could cut it down, and it seems (so far) that all is now well. He was playing "avoid the plants" as we left. Yes, my child can turn even this:

into an appropriate (in his mind) place to play. As he was very careful not to step on any plants, I let him. The game was kinda like an obstacle course, from what I could make out - left side of one, right side next, left side next, and so forth & so on.

Being the boy that he is, when I wanted to take pics of the rubbed area, he

• a. wouldn't hold still for 2 SECONDS, so they are a bit blurry. and
• b. insisted I take pics of his Pokemon tattoos (no surprise he wants to show off tattoos, I have over 40, and Dad is coming up on 10 or 15...

I figured I'd go ahead and put 'em up.

IN SUMMARY

Life isn't great, the price of gas, and subsequently everything else, is starting to put a hurt on us. It does help greatly that the Wal-mart across the street opened today (WOOOOHOOOOO) so I no longer have to drive 10-15 miles to shop, or pay an extra $50 on a purchase of $150. Charter One is still insisting that they have every right to do whatever they want with my money, regardless of the facts of the matter, so I will pursue it via the Office of The Comptroller of The Currency. Oh yeah, and tell everyone I can possibly conceive of a reason to brooch the subject with. I talk to A LOT of people every day...
The new Walmart has a bank in it, so I will be going there to open a new account & change over our direct deposits, providing they can assure me that their policy is different than Charter One's policy of theft.
One a positive note, I was graced with this view out my car window coming home the other night.

I had to stop & take a pic - isn't it beautiful..?

Ok, probably oughta get my butt headed towards works, the natives (translate to the (usually) sweet (monster) boy) are getting restless. I knew it was too good to last.....

See ya laterzzzz!!!!

Are You Kidding Me..?

Well, here we go again, but I really can't blame Mercury this time - dammit! Apparently my (soon to be former) bank, Charter One, has decided that they will now deduct an NSF fee ($39) from your account, if there is a possibility you might be overdrawn. Yeah, you read that right - might be overdrawn.
It all started back in April. I usually check my online bank statement daily, at least every few days, and update my checkbook program to match the available information (very responsible of me, wouldn't you say..?) So, I'm checking to see what has cleared, and I see an NSF fee.
Huh..?
I checked my balance. Nope, no negative. Granted it was scary low, but it wasn't negative. If they had paid something I didn't have money in the account to cover, I should have gone negative...Even if they returned something unpaid, it should have gone negative by the amount overdrawn, then back positive by that amount when they declined payment and returned it. I was a bit confused, to say the least.
I called the bank and they advised me that my "online statement is an estimate provided for your convenience only, and not guaranteed to be 100% accurate" and that I did, indeed go into the negative. Hmm. Ok, so I screwed up somewhere. No biggie, it happens.
About a week later, I got my statement, and looked for the negative balance, to see just where I messed up. No negative balance. Now, they may say the online info isn't !00% accurate, but let me tell you, it matched my statement 100%. So I called the bank again. This time I didn't let them blow me off with that line, and advised them I have my statement, and that is 100% accurate, correct?

Me: "I just don't understand what this NSF fee is for..."
Him: "Well, I show on here that your account went negative."
Me: "When..? I am looking at my statement and don't see a negative balance reflected anywhere. What exactly bounced? Everything I have had out has cleared. The average daily balance never even got to zero, let alone went below it."
Him: "Well it shows here that there was an outstanding authorization, and when we authorize a purchase we put a hold on the money for three days. During that time, something came through that caused you to go negative."
Me: "So why don't I see that on my statement?"
Him: "You wouldn't see it on your statement, but it's here on my hold screen.."
Me: *getting a bit frustrated at this point - seems I spend a lot of phone time that way - "On your "hold screen"? Did my account go negative?"
Him: "Yes."
Me: "On what day, on what item, and WHY ISN'T IT REFLECTED ON MY STATEMENT..?"

So it turns out that despite the fact that $300 was deposited WELL BEFORE the item in question was presented for payment, and that my account didn't really go negative, only virtually did, because there was a hold for that amount, and something else cleared, and there was a possibility that I might overdraw my account (I didn't, but I might have) I was charged an NSF fee. Is it just me, or is that way f*cked up..? When I made the purchase, I knew the $300 would be direct deposited the next day. Before it was presented for payment. So what? The bank said I overdrew the account even though it never went to a zero balance, and they never PAID anything there wasn't money to cover.
I ended up talking to some sanctimonious prick who treated me like an errant 2nd grader, but finally refunded the money. I also contacted the Comptroller of Currency, which is the regulatory agency my (soon to be former) bank, Charter One, answers to. I got the contact information from a different manager, who apologized profusely and assured me it wouldn't happen again. Yeah, ok.

Now, let's take a moment for clarification, shall we? Wikipedia defines Insufficient Funds Fee as: in the US banking industry, the term "non-sufficient funds" (NSF) is used to indicate that a demand for payment (a check) cannot be honored because insufficient funds are available in the account on which the instrument was drawn. In simplified terms, a check has been presented for clearance, but the amount written on the check exceeds the available balance in the account. It is often colloquially referred to as a bad check, a "bounced" check, or a rubber check. Businesses frequently use the term dishonored check.

"cannot be honored because insufficient funds are available in the account on which the instrument was drawn."

At no time was this the case. Nothing was presented for payment to my (soon to be former) bank, Charter One that there weren't funds to cover. If it had been presented the day it was authorized, that would be different. I'd deserve the fee, because the money wouldn't have been there. But it wasn't, and when it was presented, there were funds available to cover it. Besides, if there weren't funds to cover it, why did they authorize it? Oh yeah, they get to charge fees that way....

So, I mistakenly take the manager at her word, and choose not to further pursue my complaint with The Comptroller of Currency. Dumbass.

May 30th, there it is again. Grrrrrrrr. This time, based on my last experience, I wait until I have my bank statement. But in the meantime, the $39 Charter One took for that fee, caused 3 other things to actually bounce. At $39 a piece.

This time I went to a Charter One branch, for all the good it did me.

Me: "Hi, I'm a little confused here. I show an NSF fee, but no zero balance. Can you tell me what the problem is?"
Her: "Well, let's just look at that." She scrolls through my account and sees an NSf fee with no zero balance. She then calls over the manager.
Apparently Charter One corporate has seen fit to enlighten their managers about this new policy, but not their tellers. The manager then begins to give me the whole "authorization" theory.
Her: "Well, you had an authorization for $30, and when we paid the $84.74 out of the $103.80 balance, that caused an overdraft."

Huh..? Is this the new "bank math," "cuz when I was in school, 103.80 minus 84.74 would leave 19.58 available. Which is what my statement shows. It also then shows direct deposits of $1,002.35 and $658.38 before that $30 was presented for payment and processed through my account. But they still charged me an NSF fee of $39 on the $84.74 that left a balance of $19.58 still in the account. Which in turn triggered 3 more $39 fees.

After 45 minutes of discussion with the manager who alternately talked down to me -

Her: "Well, do you keep a register?"
Me: "Uhhh...YES.")

and trying to shush me -

Her: "Please keep your voice down! We have other customers & people with children."
***not one curse word came out of my mouth - not even damn or shit****
Me: "Don't you think your other customers have a right to know you're going to charge them an NSF if there's a possibility of them overdrafting their account?"
Her: "That's not true."
Me: "It IS true. Charter One is stealing from me."
Her: "I've worked here five years! Do you think I would work for a company that would steal?"
Me: "You're here..."
Her: "If you continue to cause a ruckus, I'm going to call the police."
****mind you, I was in calm & rational mode, not "psycho-bitch-gonna-climb-over-the-counter-and-kick-your-ass mode - which I am fully capable of, and quite good at, I might add *grin*

Me: "Call them, what are you going to tell them? That I am informing your other customers of Charter One's policy of charging NSF fees on possible overdrafts?"
Her: "That's not how it is."
Me: "That's EXACTLY how it is. I have it here in black and white! At no time did my account go to a zero balance, yet there is an NSF fee plain as day! You're stealing from me."
Her: "I've never stolen anything from you."
Me: *mouth gaping for about 2 seconds..."How arrogant do you have to be to think I am talking to you personally rather than as a representative of your employer, Charter One?"
Her:

Oh yeah, that's when she quit trying to shush me.

the final determination, so far, was that I had to call customer service as she didn't have the authority to refund monies back to the account. When I indicated I had had money refunded to the account by tellers in the past her only response was that she wasn't a (lowly?) teller she was an assistant manager. Ok then...

Customer service refunded the original fee, but not the ones caused by it. I will be pursuing this further through the Comptroller of The Currency. I withdrew all money, that wasn't already outstanding, from the account, and as far as I am concerned, if I never set foot in Charter One Bank again, it will be too soon. Since we are both on direct deposit, I will have to withdraw our checks on Friday, but we will be taking our not inconsiderable banking business elsewhere immediately thereafter.

Am I being unreasonable? My hunny says I'm a "ruckus-causer" *snicker* But truly, if anyone out there thinks I am in the wrong - or in the right - I'd like to hear it. I have been known to be wrong...occasionally.