Author: The Jody

Last week Mr. Crunchy had bank problems (with “Fweet” as he called them, to escape their google radar) and this week I’m in a blind fury over some of the practices at, uh, BlankNorf (not as catchy as Fweet, but you get the idea).

I am SO DONE with this bank. When it takes 3 days for a CASH DEPOSIT to clear, folks, there’s a big honking huge problem. Here is the situation:

1. I stand in line at a branch after work on Friday and deposit $420 CASH into an account. Cash. As in not a check.

2. When I ask if it is available in the account, she said “Not until the next business day if a check comes through, but if you want to withdraw it from an ATM it will be there.”

3. Another bank tries to do an EFT for car payment on Saturday. Saturday, a day when all the branches are open. Heck, our branch is open on Sunday. You’d figure Saturday is a business day, given that they’re OPEN FOR BUSINESS. And given that most other banks consider Saturday a business day.

4. EFT request “bounces”. Bank charges the account $26 for NSF and $16 for a failed electronic transfer. That’s $42 because they refuse to acknowlege that they took $420 CASH out of my hands on Friday. It’s sitting in the account, but just not “available” yet. And then of course there will be fees from the bank with the car loan because they couldn’t get the payment.

(Note: They did refund the fees when pressed, and when we went high enough up the food chain to complain.)

Someone is going to have to explain to me why this blatent consumer rip-off is allowed to occur. Cash deposits shouldn’t take three days to clear. And if they aren’t going to process deposits on Saturday and Sunday, they shouldn’t process withdrawals on Saturday and Sunday. Period. You can’t do one and not the other, people.

I contacted the state Banking Commission to complain about this shady practice, but they told me I had to contact the federal Comptroller of the Currency because that bank is Nationally chartered, not state chartered.

When approached about this this morning, the bank claimed they are “only following FDIC rules”. Uh huh.

Can I give a shout out to my cousin John, the Chief Operating Officer of the FDIC? Yo John, I know you’ve read my site in the past, but if you happen to see this one, could you drop me an email? I’d like to talk to you about how my bank is using FDIC regulations to steal money from the accountholders on a regular basis. Maybe it’s time to revisit the rule and how it applies to cash deposits made on a Friday night. You can just email jody at bigdumptruck.com.

Whew. Thanks for letting me get this off my chest. And yes, I’m going to be getting a new account over the weekend, somewhere where they actually consider Saturday a business day.

Man, this stinks. Come back, daylight!!!

I can already feel Seasonal Affective Discorder creeping in. I don’t exactly know that I have it, but I do know that it monkeys with your thyroid, and folks like me may need a little more medication in the winter.

*sigh*

I have some serious sock issues. All is not well in the land of the sock drawer, you know? Today, the socks I’m wearing keep trying to escape. If I didn’t keep pulling them up, eventually they’d be bunched in the toe of my shoes. Annoying? You bet!

I currently have three drawers dedicated to socks. One for whites and tans, one for blues, browns, greens, basically any dark color that isn’t black. And then one for black. That probably seems excessive, but what you don’t understand is that some of those socks date back to a kinder, gentler time, a time when I used to wear sneakers and jeans to work. A time when I didn’t have a kid. A time when I used to eat Doritos for lunch and not worry about it making my breath funky because who would notice?

I have a bunch of socks with no mates, and instead of throwing them out, they stay in a little pile because you just never know when the mate will show up, and if I have thrown out sock A, then I’ll be in the same boat with sock B, thinking “I know if I just hold on to this the mate will show up.”

I think it’s time to dedicate myself to cleaning out my sock drawers. I’m going to get rid of most of the white ones because after a few years, they aren’t really white any more anyway. I’m going to get rid of the faded ones. I’m going to get rid of the ones I haven’t worn in over two years. I want to make that commitment to you, dear reader. You deserve it. You deserve a Jody who is not in constant sock crisis.

God Bless America and the Cotton Council.

And in the last seconds of the Fantasy Baseball League Regular Season, I pulled into a 4th place tie. I’ve been doing this league for four years now, and while I usually start off strong, I think this might be my best finish. I usually spiral into the toilet, which is why I’m glad it’s a free, non-gambling league. That would be flushing money down the toilet, given my expertise. I didn’t sign up for football because I found it too boring to have to wait a week, to do anything, you know? So I guess I have until next May to twiddle my thumbs.

I had something I was going to mention but now I can’t remember what it was. So I’m going to finish putting together tomorrow’s Daily Probe.