UGH...I'm so freaked out right now!! (warning - i'm venting)
Ok, I just so upset right now and can't seem to stop crying. Sorry , I just need to vent.
We are really short on money this month and we had been set-up with auto payments for our 2nd mortg. So, on Jan. 15 I went on-line to our account and deleted our bank information and cancelled the auto pay. I got an e-mail today saying I had two insufficent funds transactions. I am now more than $600 overdrawn, with no money to buy groceries or gas. They had taken it out, anyways. So I call them... and they first tell me, "oh it must not have taken." Then I tell them I have the printed confirmation from the on-line cancellation. Then she says, "well you must not have done more than 5 days prior to the transaction." I tell her I did. Then she talks to her supervisor and comes back and tells me "well, we can't do anything about this payment, because your Auto pay was not orginal set-up on-line, so you must sign a form that I will fax to you and send it back to us. This will take effect for February's payment."
Ok, then I start to cry so hard I am making weird noises and freaking because I can't buy groceries. The girl puts me on hold for a few more minutes. She comes back on the line, and I have to say she was trying to be a lot nicer to me. So, she said that she will make some report disputing the transaction, but it will take 5 to 7 days and there is no guarantees that is will work. So, I am still crying and tell her whatever, just fax me the form please.
She then suggest that I call my bank, which is now owned by my lender and now (for the past few months) is now my employer. She told me to call them and tell them that I never authorized the withdrawal and they will credit my account.
The second half of the conversation, she was trying to be extremely nice to me and telling me everything is going to be ok. But then she tries to have me add a protection program to my account in case you lose your job or become disabled.
It just all seems so ironic that I'm in this position because this company bought the bank I work for and cut my pay by more than 35% and now there asking me if I want to pay for some protection plan in case they lay me off.
I just don't how much more I can take. My nerves are absolutely shot and I just want to go hide under the bed or runaway. I apologize, I'm just feeling sorry for my self right now.
We are really short on money this month and we had been set-up with auto payments for our 2nd mortg. So, on Jan. 15 I went on-line to our account and deleted our bank information and cancelled the auto pay. I got an e-mail today saying I had two insufficent funds transactions. I am now more than $600 overdrawn, with no money to buy groceries or gas. They had taken it out, anyways. So I call them... and they first tell me, "oh it must not have taken." Then I tell them I have the printed confirmation from the on-line cancellation. Then she says, "well you must not have done more than 5 days prior to the transaction." I tell her I did. Then she talks to her supervisor and comes back and tells me "well, we can't do anything about this payment, because your Auto pay was not orginal set-up on-line, so you must sign a form that I will fax to you and send it back to us. This will take effect for February's payment."
Ok, then I start to cry so hard I am making weird noises and freaking because I can't buy groceries. The girl puts me on hold for a few more minutes. She comes back on the line, and I have to say she was trying to be a lot nicer to me. So, she said that she will make some report disputing the transaction, but it will take 5 to 7 days and there is no guarantees that is will work. So, I am still crying and tell her whatever, just fax me the form please.
She then suggest that I call my bank, which is now owned by my lender and now (for the past few months) is now my employer. She told me to call them and tell them that I never authorized the withdrawal and they will credit my account.
The second half of the conversation, she was trying to be extremely nice to me and telling me everything is going to be ok. But then she tries to have me add a protection program to my account in case you lose your job or become disabled.
It just all seems so ironic that I'm in this position because this company bought the bank I work for and cut my pay by more than 35% and now there asking me if I want to pay for some protection plan in case they lay me off.
I just don't how much more I can take. My nerves are absolutely shot and I just want to go hide under the bed or runaway. I apologize, I'm just feeling sorry for my self right now.
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