Chisoxfn

QUOTE (iamshack @ Jan 25, 2012 -> 05:42 PM) Yeah, once I am completely cooled down, I will figure out something. One of my questions to the woman was "What if it would have been an American Express' policy to just keep trying to withdrawal the funds, one time after another after another? What if they would have tried 20 times? Would you have charged me 20 insufficient funds charges? Where do you draw the line? Where does it end? I only tried to pay the bill one time. How can I control how many times a third party tries to carry out that request?" She was like "There are costs associated with a third party trying to draw funds on an account without the funds." I said "Oh and I am certain it is thirty-five dollars, too." She admitted "Of course not, but that is our policy." I swear, I would pay the $105 at this point if they would furnish me a copy of the recording. It must be priceless. Shack, I'll reach out to someone I know at Wells and find out what the real answer is. I'm pretty sure they can waive those fees. My wife and her whole family has worked in the banking industry a lot (BofA and Wells) and one has been at Wells for a long time. When I see her this weekend I'm going to ask her out of curiosity sake. I know I've had a couple fees waived no questions asked (purely based on an extensive account history of NOT having issues). Usually if that is the case, you are fine. Typically there system prevents them from doing it multiple times (so if you had like 4 waived in one year, they'd cut you out; but if you had 1 or 2 over a 4 year span, that shouldn't be an issue at all). Talking to the people involved, you'd be amazed at what people have the authority to do (whether people chose to use it or not, that is a whole nother story).

QUOTE (iamshack @ Jan 25, 2012 -> 03:56 PM) So I just got off the phone with Wells Fargo. When I moved to Vegas 3.5 years ago, I was a Chase banker, and Chase did not have branches out here yet. So I opened an account with Wells Fargo just so I would have a checking account I could deposit checks into. Well, then about 2 years ago Chase bought out WaMu and took over all their Vegas branches, at which point I went back to exclusively banking with Chase. Unfortunately, I did not close out my Wells Fargo account, but rather reduced the balance to mere pennies. I figured I would leave it open as long as there were no fees associated with it that would cause the account to be overdrawn. Bad mistake. In November, I went to pay my Amex bill. Unfortunately, in the drop down menu, I selected the Wells Fargo account instead of the Chase account. Thus, Amex tried to pull the money from my Wells Fargo account (in which there was no money) three separate times. Wells Fargo, rather than call me to alert me to this, instead charges me three separate overdraft fees of $35.00 each. They took no other action than to leave my account overdrawn at $104.83. They did not place a courtesy call, they did not send me a letter, etc. So today, some 2 full months later, I get a letter from Wells Fargo stating that my account has been closed due to its "prolonged overdraft status" and that I can call to resolve the overdraft at such and such a number. So I call and ask the woman if she can explain what happened for me to accrue an overdraft of $105 at which point she looks at my account and explains to me the issue with Amex. At that point I say oh, alright, well can I pay for the one overdraft fee and have the two others waived? This was obviously a simple mistake and certainly there is no need for three separate overdraft charges. She then says no, she cannot offer to waive any charges, but she can offer me a settlement of 25% off of the charges of $105. I asked to speak to her supervisor. She refused. I asked again, and she refused. She then mentioned that "no one is going to offer to waive these fees for you." I said how can you possibly determine what someone else is going to do? Anyways, to make a long story short, she refused to do anything for me other than offer me 25% off, and would not allow me to speak to anyone else. I said "Do you really think it is worth $100 to Wells Fargo to lose a potential customer for life? Do you think I will EVER purchase a Wells Fargo financial product after the way you have treated me?" She said "We are not liable for your online banking errors, sir." I said "You are probably correct. However, this is perhaps the most terrible example of customer service I can ever recall being the recipient of. I am certain this phone call will be used for training purposes. I hope you enjoy your 15 minutes of fame." I then called Amex, who, unsolicited, offered to refund the late charge and the insufficient funds charge they assessed to my account back in November. A lot of companies could learn from their example of customer service. I understand I am not without blame here, which is why I was willing to pay for ONE insufficient funds charge. What I was unwilling to do was to pay for more, or to be treated like a piece of s***. Now I am going to have to go in and sit down with someone at a branch and resolve this. Ridiculous. I truly love American Express. The few times I've needed something from them, there reps/service have been nothing less than outstanding.

QUOTE (Balta1701 @ Jan 17, 2012 -> 07:15 AM) I don't auto-pay the credit cards, it gives me a reason to check to make sure statements are accurate every month. I set-up auto pay in case I somehow forget, but I have a reminder on my outlook that pops up a couple days before the due date so I can do a quick check.

QUOTE (Balta1701 @ Jan 16, 2012 -> 07:18 PM) Everything onto a credit card. Credit cards paid in full once a month from bank account online. Thats what I do.

I will say this much. The staff/seniors/mgr's you meet in the recruiting process for the big 4 firms are important connections as they have heck of a lot of say in the ultimate hiring process.

QUOTE (bigruss22 @ Jan 24, 2012 -> 12:18 PM) Many companies have 3.5 GPA cutoffs now, but there are ways around it but it makes it a lot harder to apply if you don't have a high enough GPA. That said, once your application makes it past that first set of screeners then it doesn't matter much. Given I'm one of the final screeners at my office at the big 4 I work at, I can say that in terms of accounting that isn't very much the case. We talk about GPA until the very end. We might be in that rare position but we look at a ton of candidates and ultimately all of them are deserving but we only have so many spots to pick and as a result, the GPA is an important thing. I probably dont' look at someone with a 3.5 and a 4.0 much different, but either way, that 4.0 (along with good experience) is certainly going to help get them in the door to start things off. And when I look and say, what has candidate X proven, I'm going to look at the various work experience they have as well as the GPA as my basis. If you barely worked, I expect a damn good GPA. If you've worked a lot, I can live with a lower GPA. Just my experience and I'm going to assume if one big 4 works that way, the rest of them do as well.

QUOTE (SoxFan1 @ Jan 16, 2012 -> 11:24 AM) Your GPA means pretty much nothing, fwiw. That couldn't be less true in a lot of areas. I know if you don't have an X GPA and you went into my profession, you'd have zero chance working for one of the top 4 firms in my industry.

QUOTE (iamshack @ Jan 22, 2012 -> 09:19 PM) Yeah, I agree...Eli played so so, but his lack of athleticism really showed tonight. Several times there was pressure in the pocket that a guy like Rodgers or even Brady would have eluded and Eli just could not escape it. I thought both games were pretty sloppy...not particularly great execution and I didn't think it was a direct result of any dominant defense or anything. Hopefully the Super Bowl will have a bit more solid execution involved. Eli proved one thing. When it matters, he is the better "Manning". Peyton can't hold Eli's jockstrap in terms of post-season performances.

QUOTE (SoxAce @ Jan 21, 2012 -> 12:02 PM) There were some who questioned it with his specific philosophy, but I call them misinformed people. Almost anyone was better than Rambis (especially with his triangle offense) in many people's eyes anyway. If only the Clippers had a legitimate coach. Sterling is a total moron, plus he's racist, so I'm sure that will never happen.

Welcome back Cubano!!!

I'm trying to find a statistic and was going to see if anyone can help. I'm trying to look up what Kobe's record was scoring 40+ per game (W/L) and what Jordan's record was scoring 40+.

What the f*** is going on in Iowa. WE can't keep good RB's at all. Coker gone after putting up a ridiculous season and he had 2 years of eligiblity left. He had a shot at shattering every Iowa record. I don't follow the little details of college football but they seem to have had a ton of off the field problems lately as well as just guys leaving the program. It certainly seems like more than normal attrition and it irritates me since Ferentz seems like a classy guy (and he's clearly a well above average coach). It sounds like Coker was very grateful to the Iowa program and that something had happened at his house and that is why he is being dismissed from the team.

QUOTE (Brian @ Jan 14, 2012 -> 11:37 AM) Michigan has no length down low. Outside of Burke and Hardaway, very unauthentic. Beilein won't play one of the best in Illinois in 09 over two kids who do nothing but throw up bricks. Add that the Salukis aren't as terrible as I thought and are saving CLo's job. Ugh Iowa freaking dominated the Wolverines today. That was fun to watch. Iowa with 3 pretty damn good conference wins (vs. Michigan, @ Minn, @ Wiscy). They still have had there bad games but they are an improving squad. White can fill the bucket for a freshman and Basabe is slowly getting back in shape. Marble has made tremendous strides at the PG spot this year. I think McCaffrey can coach and they actually have some talent coming in from the recruiting trail. Please let Iowa be slowly coming out from there long rut. Note: I am not saying Iowa is great; They have tons of flaws still but man, they are light-years better than they were a year ago.

QUOTE (Jordan4life @ Jan 11, 2012 -> 05:30 AM) But I thought only Keith Law made disparaging remarks about the White Sox farm system? The farm system is deeper now but it still lacks elite talent. Phil Rogers isn't exactly one to say many good things about the Sox either though (and he is pretty much responsible for the Sox Top prospects lists).

Dude....316 yards and a avg. pass per completion of 31.6. Coincidentally, it is the same as his favorite scripture and what he writes in the eye paint of 3:16. And yes, I'm just posting this because I think it is phenomenal at the odds of this happening at this point in time for the guy.

QUOTE (bmags @ Jan 6, 2012 -> 09:31 AM) Walmart can justify bad customer service with keeping employee costs low and thus their prices low. Best buy can't. You notice when a place is thriving or on the verge of death. Even when crowded, walking into a best buy now you can just tell that it's dying. The fact that I had a hard time finding a cheap keyboard for a mac that wasn't a hello kitty keyboard, when i could go to target and get one easily is a testament to this fact. They just don't provide anything easily. I don't have time for their bulls***, mostly. I was able to buy my phone cheaper at Best Buy (thanks to there reward zone card) and it has a better return policy than the phone had I bought it through Sprint. I like Best Buy. It has its problems but I like it. I also bought a couple video games over the holidays at prices that couldn't be beat anywhere. And to make things better, I got a gift card for $100 bucks there for Christmas (after I had bought the wife and I new cell phones) and I was able to go into the store and apply the $100 to my previous purchase, which was pretty sweet (with them crediting $100 back onto my credit card).

QUOTE (Steve9347 @ Jan 6, 2012 -> 09:21 AM) That quote was talking about software, not unopened dvds. I'd be hard pressed to find a place that happily lets customers return open software. That's been the norm for ages. That article about the fall of Best Buy was just b****ing about bad customer service. Next article that guy writes should be about the demise of Wal-Mart then. What an asshat. And I agree about the 0%. Also, is Amazon going to be able to show me the picture quality of HD televisions? There's no way I'd buy a tv online without seeing it vs at Best Buy who will pricematch anyway. That article was s***. The article was dead wrong regarding the returning of DVD's. I returned an unopened video game the other day with no issues. As long as it is unopened it can be returned. That said, if the customer service rep told him that nonsense, that is a problem in and of itself because you shouldn't have to make a stink to have your item returned. And the author is completely wrong. I buy a lot of stuff on amazon because it is cheaper, utilizing Best Buy as a showroom. If BestBuy went out of business, I would feel less comfortable making major purchase items. Note: I rely a lot on the ratings/reviews I see online regarding picture quality, but I still want to see the tv in person from a "looks" perspective.

QUOTE (Iwritecode @ Jan 6, 2012 -> 09:14 AM) I actually like Best Buy if only because they are the only place I know of that still offers 0% financing. I use that on nearly all my big-ticket purchases. As far as I know, that's not something I can get from Amazon. This doesn't sound right. I just returned a DVD to Best Buy last week with no problems at all. Best Buy will charge sales tax so Amazon will give you about a 7.75% discount. Note: Technically you are still responsible to pay the sales tax, however, 98% of the population does.

QUOTE (LittleHurt05 @ Jan 9, 2012 -> 05:44 AM) I think it's better that way personally. No matter how he plays, the media will hype it as a Tebow-led victory. I'd rather it be true, then be like the Bears game where he did little to nothing and yet got tons of praise. I'll give the kid credit, the Steelers said we dare you to beat us with your arm, and he did. He whooped the Bears butt in the 4th quarter. Yes, it was due to the prevent and while they shouldn't have won (Marion Barber says hello), he was pretty money from middle to late 3rd quarter on.

QUOTE (DrunkBomber @ Jan 8, 2012 -> 03:28 PM) Rivers and Romo huh Phillip has the track record that is pretty darn good. I realize he struggled for a chunk this year but I don't know how you could argue that Cutler is better. Cutler is better physically than every QB in the league outside of potentially Rodgers/Cam. But there is more to football than just that. I think Cutler is in that next tier of guys but I'd say Eli/Rivers are both ahead of Cutler at this point in time.

QUOTE (Balta1701 @ Jan 8, 2012 -> 03:18 PM) Karl Malone was a power forward. And he was also a superstar. I don't know any way around it. If it weren't for MJ, the Jazz win at least 2 titles and who knows what else they might have done. Malone was a hell of a player.

QUOTE (Dick Allen @ Jan 8, 2012 -> 11:15 AM) Lucky or smart or both, JR bought the Bulls the Carleton Sheets way, no money down. George Steinbrenner and Co. wanted out so badly, they basically handed the keys to JR in exchange for assuming some debt, and that was with Michael Jordan on the roster. I wouldn't mind one of my investments working out like that. I learn something new every day. I had no idea that Steinbrenner was a minority owner of the Bulls at one point in time.

QUOTE (caulfield12 @ Jan 8, 2012 -> 03:13 PM) Wil Cordero and Joey Belle would be up there close. Or Kobe on the Bulls, although that guy is loved as 2nd to God and Mao Zedong here in China. Maybe even more than Yao Ming. Guess Jesus was too busy listening to prayers over Christmas and New Year's but now has the time to focus on more secular matters like the NFL Playoffs. I don't believe Belle had done anything close to what Big Ben did. But I was a kid than so I could be wrong. And Kobe isn't a good example. Not for one second did I ever believe that girl raped him. The difference between the Kobe situation in Colorado and the Rapist situation are significant. Its all my personal opinion but I have zero doubt that Big Ben has raped at least one women, possibly two.

Damn...Thomas would have been very close to the 1st down if he caught that.

Another big play by the Bronco's offense!!!! Stupid delay of game penalty by Denver though. I'm glad Fox is opening things up a bit. The way teams defend Tebow you have to take chances down field and Tim doesn't throw a bad deep ball. If Pitt gets burned enough, they'll have to bring there safeties back and it will open the rushing lanes.