Frugal Living: 25 new messages in 24 topics

Monday, November 12, 2007

25 new messages in 24 topics - digest

misc.consumers.frugal-living
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misc.consumers.frugal-living@googlegroups.com

Today's topics:

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TOPIC: check fraud
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/8f8f2ab630e63181?hl=en
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== 1 of 1 ==
Date: Mon, Nov 12 2007 4:08 pm
From: George Grapman

Parallax wrote:
> George wrote:
>> George Grapman wrote:
>>>
>>>> Different banks will handle the situation differently. But when it
>>>> happened to me, my credit union put provisional funds back into my
>>>> account while they investigated.
>>>
>>> I had the opposite one. I deposited a $500 check in a Wells-Fargo
>>> ATM. The next day the phone system reflected a $5,000 deposit. I
>>> checked my receipt and it showed $5000 deposited. I called the bank
>>> and the rep said she was freezing my account because she suspected
>>> fraud on my part.
>>> I tried to explain that if I was defrauding them I would not be
>>> bringing it to their attention. Too other reps refused to budge so I
>>> had to go to my branch where the manager acted as if he was doing me
>>> a favor by letting me have access to the funds on hand prior to that
>>> deposit on warning me of the consequences of fraud.
>>> The next day the mistake was rectified and as soon as all my
>>> outstanding checks had been cleared I closed my account. The same
>>> manager was called over and he still felt that he had done me a favor.
>>
>> Megabanks can be just ridiculous, dumb and bureaucratic. I have 2
>> accounts at Wachovia. Everyone mentions that they are still First
>> Union and they simply bought little Wachovia to claim it was a merger
>> in order to dump the First Union reputation. I never had any issues
>> until recently. They sent me a routine replacement debit card. I
>> called to activate it and the automated system refused and it
>> connected me to a person. Person says there is a "fraud alert" on the
>> account. I asked why and he said it was because I had died in *1995*.
>> I said that that was a long time ago and why did they happen to wait
>> until now. He said I would need to report to the bank to prove I
>> wasn't dead. I said that Wachovia was insulting me and this made no
>> sense because there was no unusual activity on the account and the
>> noted event was over 10 years ago.
>>
>> I asked to speak to a supervisor and they said everyone was busy. I
>> insisted and the supervisor said they were doing this to "protect me".
>> I asked if the checking account it was linked to was frozen and he
>> said no. I asked him to give me a logical explanation about the
>> protection since I could simply write a check because I am still in
>> control of the account. He completly reinforced the "we are megabank
>> and there is only our way" rule that seems to be written on every wall
>> at their office by refusing to do anything. I asked to speak to
>> whomever he reported to and he insisted he didn't report to anyone.
>> Eventually he said that customers could not speak to anyone above him.
>> I asked even if this was for a case when Wachovia was insulting a
>> customer and didn't want to fix it by correcting their error and he
>> said no.
>>
>> I am in the process of moving and closing the accounts now.
>
> Wachovia is a scary place. A friend of mine had someone steal his
> identity and got an ATM card sent to him, then started cleaning out the
> account. After my friend went to his local branch, had the account
> closed and a new one opened, then set up all sorts of notes and alarms
> in the system that he will only do business in person at the branch and
> no cards are to be issued by phone, their fine employees promptly issued
> a card for the new account to the identity thief who called and
> requested one.
>
I can not think of a single issue with my credit union. I never pay
any fees and never have complaints,
I rarely go to a branch but it seems most of the times that I see a
live teller they send me a customer satisfaction survey. In addition
when more than 4 or 5 people are on line the manager starts handling
transactions. Compare this with Wells-Fargo where every branch seems to
have an employee whose sole job is to walk around in circles behind the
tellers and smile at the long lines.
Finally, they are part of a network of credit unions that allows me to
use ATMs at almost any 7-11 store with no fees and lets me make
deposits at other credit unions.

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http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/df34b3fdb00b8aa1?hl=en
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== 1 of 1 ==
Date: Mon, Nov 12 2007 4:45 pm
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TOPIC: Balenciaga Hook Bag
http://groups.google.com/group/misc.consumers.frugal-living/browse_thread/thread/e85d8b3d9b718162?hl=en
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== 1 of 1 ==
Date: Mon, Nov 12 2007 4:48 pm
From: judy.1114@163.com

Balenciaga Hook Bag

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Monday, November 12, 2007

25 new messages in 24 topics - digest

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