iamshack

QUOTE (Tex @ Jan 26, 2012 -> 01:43 PM) My girlfriend and I both switched to USAA for out banking. We switched and then left on vacation at Christmas. She miscalculated how much she had desposited in the old versus new accounts. She checked her USAA balance when we finally were within a cell signal and found out she was overdrawn. She called USAA in a panic. They calmed her down, explained they transfered funds from her savings to checking (she had pre-authorized that) and everything was fine. She asked what the fees would be for those transactions. The reply? "Zero, welcome to USAA!". Yeah, must be nice. I just came from the branch where they told me they could not do anything for me since the account was "closed." I said your "overdrawn collections" department told me the branch level was the only people who could take care of this. She then went away and came back a few minutes later saying she just spoke with them and they told her that what they communicated to me was that I had to go to the branch where I had actually opened the account. This just gets better and better.

QUOTE (KyYlE23 @ Jan 26, 2012 -> 11:41 AM) to be honest, if he goes to Boston, that isnt my worry anymore. It would be a shame to see him get obliterated by the media Yeah, but Jesus will protect him.

QUOTE (lostfan @ Jan 26, 2012 -> 12:42 PM) I don't think that's what shack was saying. It's not that 80% will disapprove, it's that later, 80% won't still approve (i.e. the number will be different/lower, not reversed). Yes, this is what I was saying. Lost is correct.

I worry Gavin would get eaten alive in Boston...

QUOTE (Milkman delivers @ Jan 26, 2012 -> 10:53 AM) Hey, whatever you say. I'm going with a Grand Jury report being on a slightly different level than The Mayberry Times and the report of one side of an incident. You can think whatever you'd like. The Grand Jury report is just the Prosecution's most favorable case being presented. It is the same situation as you hearing one party's side of the story. In both cases, they can present only the most favorable evidence available.

QUOTE (NorthSideSox72 @ Jan 26, 2012 -> 11:16 AM) I think you are all missing the point here. First, no one is saying those numbers mean that that many people actually favor his policies in the long run. Second, when your results are better, relatively, than the year before, then yes, it of course means something. Third, do you seriously think I am not familiar with emotion and politics? The fact that the speech went over better than the last one definitely has meaning. Its like turning a car. Any given move with the steering wheel has an effect, which may or may not cause the car to do what you want it to do, but from that point on you have a different starting point. And your idea that "80% of those same voters" won't favor his policies in a month is ridiculous, since even at bottom he was still getting around 40% favorable on that (or in that ballpark). The numbers move around, but not THAT much. Umm...ok, I guess I am missing your point, because I still have no clue what it is. The speech was his kickoff to his 2012 re-election campaign. It has an entirely different purpose than his last SOTU speech and it obviously accomplished that.

Thanks for your help, guys. I finally got a supervisor, and he refused to do anything either. Unbelievable.

QUOTE (southsider2k5 @ Jan 26, 2012 -> 10:17 AM) Ha. That is hilarious. I agree with Strange. Go over their heads to management. They refuse to let me speak to anyone else. They insist that the only manner in which to resolve this issue is to go into a branch. I have never been treated this way by any company in my life. Especially over some bs fees THEY assessed. It's not like they were left on the hook to pay for some goods that I took ownership of or something. They continue to just hang up on me when I request to speak to a supervisor.

I called them back and asked to record the conversation, and they hung up on me.

QUOTE (southsider2k5 @ Jan 26, 2012 -> 08:55 AM) Huh. I must not have understood the change then. I thought if you did not opt in, they were obligated to reject with no consequences. If that isn't the case, nothing has changed. Well, what was happening was people were having creditors get funds from their account that did not exist...so for instance, if Paypal believed you owed them $300, they could attempt to collect that from your bank. Your bank, seeing that you are a respected customer, could go ahead and pay the funds for you, and then put you in overdraft status and then assess you an overdraft charge. So in essence, you would then owe $300 + the overdraft charge. What this does is prevent a creditor or payee like Paypal from getting those non-existent funds. However, it apparently does not protect you from your own bank's ridiculous fees and charges.

QUOTE (southsider2k5 @ Jan 26, 2012 -> 09:41 AM) I believe they are supposed to reject the charge, and then Amex could have come after you for the "bounced check" fee so to speak. Yes, the rejected the charge but assessed their own insufficient funds fee. American Express assessed an insufficient funds fee as well as a late fee and credited them back to my account without me even asking them to do so.

QUOTE (southsider2k5 @ Jan 26, 2012 -> 08:32 AM) I am about 95% sure they changed the law. I think they have to flat out just reject the charge if you did not opt in. So they can't assess overdraft charges themselves?

QUOTE (southsider2k5 @ Jan 26, 2012 -> 08:20 AM) Actually you might have an out. Did you ever agree to overdraft coverage at WF? A while banks had to send all of their customers a form and you had agree for them to overdraft you if you went past $0. If you did not fill it out, they can't overdraft you. I did not fill it out. But I think that is protection from other creditors or payees being able to cause an overdraft (by being paid when there are no funds in the account). So that is exactly what happened here. They requested funds, were denied, but then Wells Fargo assessed fees to the account in the form of insufficient funds charges. I believe the bank is allowed to cause overdrafts, just not another party. What even made me angrier was the woman was like "if you would have chosen overdraft protection you wouldn't have been assessed these fees." I said "Are you serious? You're really going to now bring up other services you offered me and tell me in hindsight that I should have chosen them to protect me from your bank?"

QUOTE (southsider2k5 @ Jan 26, 2012 -> 08:01 AM) EVERYONE thinks Manning would be a great fit. If he is indeed on the market, it is going to be one hell of a haul for him. I dunno...I think it will take at least one 1st rounder, but I think the $24 million cap number (or whatever it is) will limit the number of suitors. The question is just how badly do the Colts want to move him?

QUOTE (SoxFan1 @ Jan 25, 2012 -> 11:53 PM) Mike Tice reveals his philosophies for being an OC: http://www.chicagotribune.com/sports/footb...0,1623194.story I absolutely LOVE what I just read. A lot of it is coachspeak, but at least he sounds like he has a pretty good handle on our strengths and weaknesses. I like how he mentioned the deep drops making it so difficult on the OLinemen too...that was a bit of a shot at Martz. I like the idea of going no-huddle at times as well as allowing Jay to check at the line. Let's go get Dwayne Bowe.

QUOTE (Milkman delivers @ Jan 25, 2012 -> 10:39 PM) The first we heard of the PSU thing there was a Grand Jury report. In this instance, you have a small town paper covering a story after they talked with exactly two people. There is quite a bit of difference. No, there really isn't. In both cases there was basically one side presented. And mind you, the paper tried to give the asshole a chance to speak and he had no comment. Again, it's not like we are going to get much more coverage of this event, so "waiting for the facts to come out" basically precludes any discussion on the incident.

QUOTE (NorthSideSox72 @ Jan 25, 2012 -> 09:21 PM) Absolutely it is. Does it mean that he is 30% more favorable now? Now, but it clearly had an impact. I have a hard time seeing how it is you don't see that. Well considering the poll was taken immediately after the speech, my guess would be a large portion of it was just emotional response, as opposed to a well-thought out reaction which will last over time. While I was reading the speech, I admittedly came close to tearing up a few times. Some speeches are meant to rouse emotion. However, after a short period of time, that emotion goes away and the more deep-seated beliefs return. Do you really think Obama said anything in that speech concerning our economic policy that should cause that sort of shift? It was just an immediate, emotional response. Take the same poll in a month, and I'd bet my house that 80% of those same voters do not favor his economic policies.

QUOTE (Milkman delivers @ Jan 25, 2012 -> 08:10 PM) With the PSU thing, there had already been a lengthy investigation. With this, nothing. At the beginning of this "lengthy" investigation, very little of the actual body of facts was known. It was not dissimilar from this.

QUOTE (StrangeSox @ Jan 25, 2012 -> 06:19 PM) Find and email someone high on the chain at Wells Fargo, preferably the CEO. A nicely worded letter explaining the situation and your frustration in a calm, rational manner can get a good response. 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.

QUOTE (NorthSideSox72 @ Jan 25, 2012 -> 05:00 PM) I disagree, I think it does mean something. And more importantly, look at the 30 point difference about the economy, which will be issue #1 in November. Does it mean he personally has 91 or 83% approval? Of course not. But the difference is definitely meaningful in some ways. The 30% is not the difference between those who said they approved of his economic plan after last year's speech and those that said they approved it after this year's speech. It is the difference between the approval of the plan before and after the speech. Are you really telling us that this is a meaningful figure?

QUOTE (SuperSteve @ Jan 24, 2012 -> 08:42 PM) What ultimately made you pick the Audi? I've been kicking around looking at Land Rovers (love the way they look) since I need something that can handle snow in a small town better than a 3 series BMW. Steve, I had an Audi TT previously and loved it to death. The Quattro (AWD) system is incredible. I love their design philosophy as well as their build quality and quality of materials. I feel their cars as are every bit as good as BMW and Mercedes with a better interior design and a lower pricetag. I'm not going to lie, the Range Rover had every gadget and gizmo I could have wanted. That being the case, I feel like whoever designs the interiors of their cars should take a clue from the guy who designs the exteriors. The insides of them feel and look about 10 years behind the exterior styling, in my opinion. Although I will say they do use extremely high quality materials. Additionally, when I drove the RR it was just too heavy. The vehicle I drove had the standard 305 HP engine, which, believe it or not, is not enough for that particular model. It feels underpowered and like you're driving a school bus or something. I knew after sleeping on it that if I were to get an RR it would have to have the Supercharged 400 HP engine. One vehicle I also loved was the Toyota 4-Runner. It wasn't as nice on the interior as the luxury brands, but it was tastefully done and it drove extremely nice. They also retain their value very well.

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.

QUOTE (scenario @ Jan 25, 2012 -> 03:42 PM) Another health update from the owner... "Wednesday is out of surgery and doing fine. They will call me once she is coming out of the anesthesia The abscess was so large they had to cut away a good chuck of her intestents too. The bullet perforated her diaphragm and that entry point was healing well already. They said she is one lucky lucky dog! Hang in there Wednesday!" Dory A dog's gastrointestinal system works much differently than ours. Most of their digestion occurs in the stomach as opposed to the intestines, and so hopefully losing quite a bit of her intestines won't pose a large problem.

QUOTE (scenario @ Jan 25, 2012 -> 02:51 PM) Good general conversation... including different points of view. Special thanks to all with ideas / suggestions regarding legal and medical. Here's an update from the owner I just received... "Spent the whole day (Tuesday) and most of the evening at UW Madison Veterinary Care Hospital. They found an infection in Wednesday's intestines from the bullet that if not operated on would find her dead soon. They kept her in ICU overnight. Right now she is in surgery. They can't give us a guarantee, but said she is young, strong and in excellent shape. They said there is no reason to doubt that she will make it. Right now her vet bills are at $6,200 and rising. But she is worth every penny. Thank you all for your support and prayers." Dory Please let us know if they are taking any donations through any kind of organization or anything. Also, PM me with this MFers home address

QUOTE (Milkman delivers @ Jan 25, 2012 -> 03:47 PM) Yes? I seriously don't want to take one side of a story and believe it blindly. It just seems like you are doing the exact opposite of what you did with the Penn State thing, just as SSK mentioned...