nitetrain8601

QUOTE (bmags @ Feb 26, 2009 -> 09:57 AM) So, this past year I've had more "I f'n hate you" moments with TCF than should ever occur. I will answer your natural question that would arise "why don't you leave", well, I kept the TCF account because I go to school in Mo. and it was easier for my parents to be able to put in money. And, I've always worked for the Univ. which has direct deposit, so I just get by with my card down here. Well, there has been some ridiculous overdraft moments in the past, and they are the only bank that does not offer overdraft insurance, lets just say one time I was cutting it close, and didn't know that the gas station charged 1.00 for using a card, I was under by .06, when I checked it a couple days later, they had charged $35 dollars for the over charge, and $70 for the two days it had been under before I realized it. ($105 for six cents, which they refused to take away any portion of) but that's in the past Most recent aggravation. (Well, some more back story, my account is connected to an address I can no longer access due to some recent family movings...the person that is there, lets just say, we are not on speaking terms with. When I ran out of checks and needed one for direct deposit, they wouldn't give me a way to change my address without showing up in person. They also wouldn't give me a routing number on official TCF letter heading. It was absurd. So I opened up another account) BUT MOST RECENT AGGRAVATION. In their astute wisdom, they said my card had been compromised (wouldn't say why, no charges on account I hadn't made), but fine, i'm all for caution. PROBLEM: they didn't call me to tell me they canceled my card. So last night my card got canceled, I was really confused, I have money in my account, some nice lady behind me in line paid for me after much attempts to decline her kindness. But, the ole kabuki with TCF, once again. Sending me a new card (no, you don't understand I don't have access to that address anymore) well you can come to the store and change it (i'm in missouri. Can my father do this) no he's not on the account (so, can I transfer money from my account into a different account?) do you have another tcf account (no) well then no. (so I have no access to my money?) we can send you another card (you are f***ING RETARDED) Thankfully my father stepped in and is transferring me some money into a WONDERFUL bank, Commerce Bank in Columbia MO, until I can get back home and close out that account. TCF...#$%*@$%*($*%(@#$%*(@_%*@($%*@$(%* YOU Well seems to me, the only thing they did wrong(which I would be pissed about as well) is not telling you they were cancelling your compromised card before you were able to obtain a new card. The reason your card was compromised is because you have either a Visa or Mastercard logo on your debit card. It's not a TCF Bank thing, it's a Heartland Card Processing thing. Over 110 Million people were infected from across the nation, and it's not just banks, but credit card companies as well. Heck, I posted this in a thread over a month ago. A lot of companies and banks are just cancelling the card and ordering a new one for the customer without really telling them. What is not their fault is the Gas Pre-Authorization. You admitted it and Gas Stations don't necessarily charge you $1 if you don't pay in cash. I also posted this in that same thread. Basically the FEDERAL GOVERNMENT allows Gas Companies to place a hold on an amount of cash(depending on how much that particular gas station wants to put; I know Shell does $75) so they could verify information on the card. This also happens with credit cards as well. The reason why most people don't notice it is because it falls off once the actual charge posts to the account which is usually no longer than 2 or 3 days and it doesn't appear on any statements. The address thing, is also not their fault. A lot of banks make you go into a branch to change your address. Some banks do allow you to fill out a form they mail out and sign it and then process it when they receive it back. TCF is not one of those banks. With that said, it's your responsibility to change your address. The FEDERAL GOVERNMENT mandates that the proper address is on file for each one of their customers before they can send out any information on the customer's account. If there is returned mail or if you try to forward mail, it shouldn't last too long, because again, the bank, by law, has to stop sending the mail until you correct the address. The whole thing with your father not being on the account is true as well. If they allowed him to make changes to your account without appearing on it, then your account would be easily opened to fraud. If there was fraud on your account, I'm pretty sure you won't take responsibility for that. You'll want the bank to do so. Let's put it this way. What if your relationship with your father sours, you don't talk to him anymore, he's a bad guy. Well if they allowed him to do transactions before, why wouldn't they let him afterwards. That means, he could walk into a branch again, say, "I'm so and so's son and I wanna take out money of my son's account to take to him." Bam, he has a bunch of your money and there's nothing you could do about it. Ok, let's say you just want him to be able to pick up a card for you. Again, he has your debit card and pin number. He could charge up your account, you'll dispute it, and with a lot of banks, you'll win the case once they investigate it because you're not on camera using the card, and your transactions usually come from MO during this time of year. The screws the bank out of money, and you can rinse and repeat. The bank has to not only protect the customer, but itself. For transfers, my bank does the same thing. If you're not transferring from one account to another account at the same bank and you don't appear on both accounts, you can't do the transfer over the phone. Either has to be done via Internet or in the branch.

I think Quantum of Solace was very well put together and I'm going to be buying the Blu Ray. I'm not one who minds that the storyline coincides with Casino Royale, nor do I mind that BA chase seen in the beginning of the movie. I'm really one who didn't like GoldenEye though. Heck, I think the only Bonds I could watch are with Daniel Craig.

QUOTE (DBAHO @ Feb 19, 2009 -> 01:17 PM) It's addition by subtraction. Hughes was obviously a clubhouse cancer, and he should get a chance to play for the Knicks now at the SG spot. Being a 30.5% career 3 point shooter won't endear him to Mike D'Antoni though I would have thought. Thomas will replace Nocioni at the backup SF spot, with Salmons backing up Gordon. I'd actually think Gordon should go to the bench now with Salmons starting, and Ben being that Jason Terry instant offense type of player again. James will obviously never play, and Robertson is a scrub. Talent wise the Knicks win obviously, but it'll be interesting to see how Hughes will mesh with that team. They also acquired Chris Wilcox for Malik Rose, in a deal I really like for the Knicks. Lee and Wilcox could give you both double - double's. Really like how Donnie Walsh has that team saving cap room for 2010 and has upgraded the roster since he's been in charge. Very underrated job he's doing here in New York. Ben should not go to the bench for Salmons. If you think Ben is a blackhole on offense, you really have seen nothing yet compared to Salmons.

QUOTE (kapkomet @ Feb 18, 2009 -> 10:43 PM) What? He DH'd 90% of the time. Man it must be tough to swing a bat. Agreed. I didn't know travel really wears on you thaaaaaaaaaat much.

QUOTE (whitesoxfan101 @ Feb 18, 2009 -> 08:04 PM) The only relevance of this trade was financial reasons. By the time the Bulls are good enough to matter, Brad Miller will be good old or on another team, and John Salmons is a journeyman having a career year who turns 30 in 10 months. It's a fitting Paxson type move, some noise with minimal to no relevance. I understand that this move along with perhaps moving Kirk Hinrich tomorrow puts the Bulls in better position for the summer of 2010, but do YOU trust John Paxson to make the big, good moves then? I don't. Hopefully he'll be gone though. Agreed. Keep in mind, the Bulls have been in great situations before where they set themselves up nicely like with the Curry trade getting draft picks and tons of cap space. So who's pissed that the Bulls were offered Chandler first and declined for Noah and Gooden? I'm not, but I know Chandler still has a lot of supporters on this board.

Bly is a bum and I can't believe people thought he was going to be one half of the greatest CB tandem in the league.

http://www.nytimes.com/2009/02/18/sports/b...mp;ref=baseball

He really froze up when asked if he thinks he shouldn't be in the record books or allowed to receive money if he breaks the HR record. Also, when asked wouldn't he feel more pressure playing for the Yankees than for Texas. He was a lot like Mark McGwire at this press conference.

I see NE ending up with Fred Taylor. The Bears need to jump all over Cris McAlister.

Would love to have him back at a utility player or platoon player. He's not a full-time starter though.

QUOTE (Steve9347 @ Feb 12, 2009 -> 10:26 AM) Gordon has proven consistently that he's not that guy. I'd go to Deng personally, with a mid-ranger. Deng disappears in clutch time. Hell, I can't remember him ever having more than a few good games in the 4th quarter. I rather have Tyrus Thomas as that guy in the 4th.

QUOTE (The Critic @ Feb 12, 2009 -> 10:23 AM) I grabbed 3 for the 1/2 price Monday against the A's. I'll get uppers from the Kids Club for whatever day their on-field parade is, and that's going to be it for me unless friends or family come up with freebies/cheapies. Yea, most of the games I was able to get, are Monday Nighters.

Do it guys. Already signed up for Knightkni's league.

Dammit my PS3 crapped out on me again. Good thing warranty didn't expire until 03/01.

QUOTE (RockRaines @ Feb 11, 2009 -> 05:34 PM) Good thing I grabbed 12.... Runs away... I hate you rock. Anyway you're looking to sell any of those at all? I'm desperate and would be willing to pay now.

QUOTE (RockRaines @ Feb 11, 2009 -> 05:49 PM) My guess would be Tyrus, Thabo and future draft picks. Add in Gooden as they want his expiring as well as Cedric Simmons.

I've also read, it's a bunch of fluff coming out of the Suns trying to drive up the price.

There are no Opening Day or Cubs Sox tickets left. It sucks pretty much.

QUOTE (witesoxfan @ Feb 10, 2009 -> 04:45 PM) Harvin does have fun tools, similar to a Chris Johnson type of guy, but he almost seems too injury prone to be a good NFL player. That

Even if he just used it in 2001-2003, steroids have a positive effect even afterwards from what I've read up over the past couple of days. So he could've stopped in '03, but still could be reaping the benefits and reaping the negatives.

QUOTE (Balta1701 @ Feb 9, 2009 -> 11:53 AM) Gordon should have veto rights over any trade I believe. That said, I'd be more than happy to keep someone who can play the Center role on our team if we made that deal. So that we won't have to see Deng there any more. Correct, Ben would have to waive for his Bird Rights and NTC. That ain't happening. With that said, I'm willing to clear the whole frontcourt for Amare. I hope it happens. BTW, I thought this was cool. VDN has Rose watch tapes of how Amare and Steve Nash ran the pick and roll in D'Antoni's offense. How great would that be if Nash was replaced by Rose.

QUOTE (SoxPride56 @ Feb 9, 2009 -> 10:22 AM) I joined that as well for the presale, but haven't received my password yet, have you? If you don't get it by 9am on Wednesday, you're supposed to call.

QUOTE (SoxAce @ Feb 8, 2009 -> 08:02 PM) I just hope Vinny/Pax/whoever gets Rose on point with his Defense though. The kid was an outstanding defender in Simeon and was very good in his one year in Memphis. That's probably the only thing that's really regressed about Derrick Rose. Not sure if the knee tendinitis (basically has dealt with that all season) or the sprained left foot (dealing with that just recently) is still bothering him in that regard. But his shot has significantly improved this season and the three point range will come eventually. You can tell the kid works his ass off. I still LOVE watching this video of Derrick hoping he can bring some of that to the NBA. The Stud, that is, Derrick Rose. He was never good at defense and it's always been a question of motivation on the defensive end. He has the tools and he has long arms, and he's shown flashes of being a great pickpocket, but he still doesn't do it enough. That and he always goes low on screens.

I hope there's Cubs Sox for me for the SPC presale. I've never been.

QUOTE (kyyle23 @ Feb 8, 2009 -> 10:50 AM) Oh I would. Boras wants to get P-A-I-D and he is not going to unless Crede gets a contract Well yeah, but it doesn't mean he has to play. If he can't play, he can't play. At the most, they would have him rehab.