benjarvis.org

LOL. I Fucking Hate Banks.

It’s all my fault that I’m going to probably be facing over $60 in overdraft fees. Because when your checking account gets below $20 you need to just leave it alone. I know this, but it doesn’t make it any more fun.

It all started when I decided to buy a birthday gift from Deep Discount. My dumb ass didn’t realize that they charge you when an item ships and not when you place an order. I ordered it around the 18th of November, saw the $17.60 come out of my account and called it a day. Later that week, I was down to what I thought was my last $20 in the checking account and made a few $5-8 dollar purchases. November 27th, they ship the item and BOOM charge me for real. Apparently the previous charge was just a hold and I wasn’t actually charged. I was charged a $30 fee for overdrafts (yes I’m 30 and have zip in my savings) and sort of figured “Oh well, my bad”. My next check covered the fee and things were fine. Cut to December 5th. Still no delivery. WTF? Deepdiscount says “OMG, there was a boo-boo and it didn’t actually get shipped”. So they refund the total. Then they charge again and “say we mean it this time, we’re actually shipping”. This is the 11th. I see the charge. Then it goes away. Okay fine. I wait for it to clear. I wait. I don’t see it, but I got some $20+ left over. So I buy groceries and such. Well today, its back and I overdrafted for $3.45, so that is $30 in charges. To make matters worse, I had to charge $0.90 to cover the difference of some groceries (this was before I was aware of the overdraft). So I probably have another $30 in charges.

I get a deposit this weekend. We’ll see how this all shakes out, but if I have to pay $60+ in fees I will be contesting this and whatnot. Hell, I’ll lie and beg and pull the Xmas card “I gotta buy presents for my for kids!”, but I don’t want to pay it. Man what a fucked up situation.