Tim
Life is good Joined: Nov 2007
Location: Kalamazoo

Alright I'm not rich, I don't claim to be rich and most likely unless I have some crazy win-fall I'm never be rich. So that being said I need every dollar I earn to pay my bills and eat food. So why is it that my back finds the need to rob me of my 'hard' earned money. Two weeks ago I needed some cash to pay some one for a job on my car. Because it was on the side I needed actual cash and not plastic. So I take a measly $20 out of my account and go to pick up my axle shaft form the dude fixing it. He ended up not being able to take my money because he caused damage to the thing so I lucked out. On my way back to the house not ever 30 minutes after my withdraw I redeposit the $20 saving my account from a certain NSF fee because of having to do some unexpected repairs on my heep.

Two and a half weeks go by now and "all is well" with my deposit. That is until I see a debit from my account with the description of 'Miscellaneous DDA Debit'. Huh? Now what in gods earth could that be. So I called my bank and ask. Well it seems some inept tool of a human lost the $20 I so nicely deposited in my account. Wait so I put money in the envelope and stuck it in the ATM when it told me to. It gets pulled in and printed on so the bank knows it's my money. I figure the inside of an ATM where the deposited envelopes go looks like a fairly neat stack. And because it's emptied every day I figure it's not a very big stack at that.

So how is it that the money came out. Is the neat stack actually just a giant bin for envelopes to fall into? Even at that if you were to find an envelope for a $20 deposit and no money in it wouldn't you look for the missing Hamilton to be sure that it had not fallen into that neat stack or at the very least large bin being used to collect money? Say you don't find it in the bin and it falls into the ATM, don't you think as a bank you would make every effort to look for missing money and not just give up because the envelope was empty?

My guess now is that the money came out of the poorly sealed (to no fault of mine) self sealing envelope and some how missed this over sized novelty bin used to collect deposit envelopes. There it sat until they must have done a monthly cleaning or weekly or what ever. It now sits in a Lost and Found bin until some dildo comes in claiming to have lost $20. With a quick description of the money it's there's and they go home $20's richer. Because there is no way that they could check there transactions since the last cleaning job in hopes to find some one missing $20 from there account. So how is it my problem that some ass hat working in the clown show that is my bank lost my money? Why do I need to take time out of my day to go fill out some needless form? Why can't this be checked into with about two phone calls? They saw the withdraw, they see the deposit 30 minutes later FIX IT!

This is after I find that there computer systems screwed up and charged nearly $400 in charges to my account that should have only been half. They of course have fixed that now but still how the hell did that happen? Who fell asleep at the wheel on that and waited over a day to figure it out, then take another day to fix the damn problem! I'll be switching my bank in the VERY near future. Perhaps to a credit union that wont have a mainframe to fall back on to blame because everyone's transactions got screwed up. If you use Charter One, switch it's not worth the headaches and mind boggling problems they cause.