So.. if you don't know what happened with the whole Western Union thing, you can read it HERE
Or if you don't have time, then the cliff note version is that I tried to send money via Western Union Online and was told by a customer service rep that they would not allow the transaction to finalize because my cell phone was not in my name and neither is the home phone.
I know.. you just had a WFT moment. I can relate. But the important thing to know is that I specifically ASKED if there was going to be an issue with my bank account because I could not have TWO 400.00+ charges. And it's also important to know that the customer service rep told me that I absolutely.. positively.. had NOTHING to worry about.
Got that?
I'll repeat it again..
In caps .. just in case you're a little hard of hearing:
THE CUSTOMER SERVICE REP TOLD ME THAT I ABSOLUTELY.. POSITIVELY.. HAD NOTHING TO WORRY ABOUT.
You know me, right? You've been reading this blog and all my other blogs for a while now, haven't you? So you know what's coming, right?
Earlier this evening, I go online to check my account balance. I always do that. At least five or six times a day. When you don't have money, you kind of get anal about keeping track of it. And guess what I found???
See that? It's an overdraft fee for 105.00.
Do you happen to see anything that looks like a negative balance? No.. you do not.
So.. like.. WTF??? right?
I dig a little deeper and find this under the pending transactions:
Ok..
So it's obvious to me that the 438.00 transaction was returned.. or taken off hold.. but not as fast as Western Union originally took it. There was only like.. no more then a half hour.. between starting the first attempt and finalizing the second attempt..
And this was a Wednesday so it wasn't like there was the weekend to contend with ..
So I call my bank and talk to Jamal. Nice guy .. very professional. I explain to him what the situation is and he tells me that TECHNICALLY I did over draft because I authorized the transaction. I told him that it was ridiculous.. and a few other things that I won't repeat here.. and when I asked him if he agreed with me, he said he did. On a recorded phone call. Props to him.
When I said, "... so I'm going to have to eat this?" I already had plans on going to the branch office bright and early and having a *cough cough* discussion with the branch manager. But Jamal told me that I needed to call Western Union.. that they are responsible for reimbursing me.
Oh. Ok. Another chance to go off on them since my first time was cut off by Tim. Cool.
So I call and get some dude that I can't understand. I'm more polite then I think the situation warrants but yknow.. I believe I'm going to have more then enough opportunity to lash out on these people.
I explain what happened and in the middle of it.. Tim comes in the bedroom from taking a shower and having overheard the conversation I had with the bank, HE starts going off about it. Now I have some dude that I can't understand in one ear.. Tim yelling in the other ear.. and yknow.. if you know Tim and how much he HATES when I try to talk when he's on the phone then you'll understand why I was like SHUT THE FUCK UP, WILL YA??
I go back to the call and the dude must have been like ".. uh uh.. nope.. they don't pay me enough for this" because the next thing I know there's a ringing on the line and some chick answers. Her name starts with a B and even though she spelled it for me, I still don't remember it. Bria.. Brianne.. Briar.. something like that.
Anyway.. it's SO DAMN OBVIOUS that's she's reading from a script ".. yes, Lisa.. may I ask how you are doing this evening?"
OBVIOUSLY, not peachy since I had to call YOU on a Sunday night, right?
Yes. I did say that.
Once again I explain what happened and she asks me all kinds of details about the transaction.. who it was going to .. where it was going to.. etc. etc. She THEN tells me that she will have my money returned.
Excuse me? WHAT?
She said to give her a few minutes and that she will make sure that my overdraft fees are returned.
OM effin' G!
She asks for the telephone number of the bank .. and then says that she will forward the information to her supervisor for approval.. then they will call the bank and I'll have my money issued in about two hours.
Could it really be that easy? Remember.. we're talking ME here!
Tim says that it makes sense that they will so willingly pay for over draft fees resulting in something they did because they cancelled the transaction.. and that would open them up to a lawsuit which would wind up costing them more then 105.00.
He also said that the bank is at fault also because the actual money NEVER left my account.
He has a thing with banks in general and think their sole purpose is to rip you off but I see his point.
As of now, there's been no activity on my account that I can see online but tomorrow morning I'll call and see what the dealio is ..
I'll keep you updated.
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