Originally Posted by xJuice
Sounds like you're terrible with money. That's not their problem
Originally Posted by Johns Taco
I was a First Union customer, then it turned into Wachavia, and now Wells Fargo, I have been happy as the banks have changed names but the people, and service have stayed good.. I like most responsible people watch my money and never rely on anything automated to get bills paid, if I were not to be responsible and never check to see if things were getting paid......well I guess it would be the banks fault. Right? Dude smarten up.
At first yes, i was irresponsible and did not check to see if the auto bill pay was properly functioning. i work a few jobs and am extremely busy. Two times ago when i stopped in to talk to them the wait was almost 2 hours they said, i didnt have time. So i came back. and they assured me, it was cancelled at this time.
I was on my way to the bank a week before bill was due to pay it when my phone got the email telling me about the over draft. For the last 6 years ive had my account through them, was originally bank one but left after they quit carrying deposit slips in english. My parents have been through wells +20 years which is why i joined them.
Auto pay was to pay my cards minimum of 30 bucks a month, plus 120. Then each month i go in and pay 2-500 cash depending on the month (I put EVERYTHING on my card, then pay it off at the end of the month), the auto was JUST to pay the minimum so i never forget. I had enough money in my accounts for that 150 auto pay, it just chose to overdraw my credit card 23 bucks, but it left 53 in my account anyways, so when i closed my accounts it left me 53 bucks lol
I own a business and 95% of it is cash. I keep it all documented and what not, and i still have my business accounts through them even if i do pay 15 a month in fees. I keep the cash handy as alot of it is capital, and my car insurance, school, cell phone, all bills are paid cash. Ive been burned to many times by my school attempting to pay with card/check/financial aid that ive learned cash, and a physical (not digital) reciept are the safest way to go. The isues with the school were so bad, and in my favor, that i made the local paper.
While TW is filled with a bunch of morons whom receive the douche canoe of the week award, please have some trust in humanity, even a shred for others
Not everyone is doomed come zombie apocalypse.