DUmmy grasswire Spins A Lame Banking Bouncy

[GOBUCKS]

DUmmy grasswire, who lives rent-free in a room over the garage of an acquaintance on a tiny "farmette" up in Wisconsin, spins one of the lamest bouncy tales in a long, long time. Although she's gotten a lot of mileage out of earlier tales concerning her poverty and absolute lack of any hope of building a normal life, she inexplicably chooses banking as the subject of her bouncy:

grasswire  (1000+ posts)      Mon Dec-20-10 11:25 PM
Original message
A Chase branch mgr mocked me and laughed at me today, in public!
I have a business account at a Chase suburban branch. I went in to make a deposit and dispute an overdraft charge of $35. They charged the fee because a restaurant added a tip to a sale after the fact and the tip overdrafted the account by $4. I recall that when the account was opened in the summer I did not want overdraft protection for debit purchases.

In my discussion with the teller (who was very professional) the manager came by and got into the conversation. I mentioned that over a period of several days the detail of the account shifted several times as the bank re-ordered the transactions each day.

She got hot under the collar, and denied that Chase does that. I said "we know what banks do, and some of them are under court order or criminal investigation for their practices."

She laughed out loud, mockingly, like a horse laugh. She shook her head to indicate that I was an idiot, and stomped off.

I think I will report this to customer service at HQ.

http://www.democraticunderground.com/discuss/duboard.php?az=view_all&address=439x48395
Making an allegation of criminal conduct doesn't seem to me the best way to wheedle one's way out of an overdraft charge, but I'm certain DUmmy grasswire has vastly more experience with overdraft charges than I. On the other hand, since this is a bouncy tale, different rules apply. The only surprise is that when DUmmy grasswire made her accusation of criminal activity, the other bank customers didn't applaud.

villager  (1000+ posts)      Mon Dec-20-10 11:29 PM
Response to Original message
2. why keep your money there instead of the local credit union?

DUmmy villager seems to believe that DUmmy grasswire actually has some money.


DUmmy jobycom has discovered that credit unions are no more charitable than banks:

jobycom  (1000+ posts)      Mon Dec-20-10 11:31 PM
Original message
Because most local credit unions are shit, too.
I switched from Chase to a credit union here in Austin. I couldn't tell you which was worse. I wouldn't treat people I hated the way either does.

Wednesdays  (1000+ posts)        Mon Dec-20-10 11:53 PM
Response to Original message
9. I can vouch for that
The credit unions here in Oklahoma have pretty much the same rules as banks, if not harsher. $29 per item overdraft fees, and so on. We prefer doing business with the bank, since they at least allow you to "catch up" your account by the end of the business day. With the credit union, any item that is presented to them is processed instantly, meaning you're assessed overdraft charges the moment it hits your account.

I once asked the credit union for a printout of my past months' transactions, and they charged me $3! Three bucks, just to look at my balance sheet!

Are there actually financial institutions still around that do not offer online access to your account records?

grasswire  (1000+ posts)      Mon Dec-20-10 11:33 PM
Response to Reply #2
5. the original reason was because our major clients are chase customers...
 ....and banking at chase means no matter where they happen to be in the world they can just transfer funds into our account and the bank will not hold funds. They clear immediately.

This is hilarious! DUmmy grasswire, squatting in a free crib over someone's garage, has "major clients" all over the world!!
Maybe she's listed her friend's hand tools on eBay.

rhett o rick  (1000+ posts)        Mon Dec-20-10 11:31 PM
Response to Original message
3. Move your money. nm

If she does that, it's unlikely she'll need a wheelbarrow.

DUmmy thelordofhell smells a bouncy:

thelordofhell (1000+ posts)      Mon Dec-20-10 11:54 PM
Response to Original message
10. This is what I don't like about stories like these
This person is so pissed off that they feel the need to post the story, yet they won't name names or tell locations? If shit like this happened to me, I'd be posting the names of the teller, the manager and the location of the bank everywhere.

Every other week I read these "I've been ****ed over by the industry" stories, whether it's a bank, store, restaurant, etc. and they all have this name no names or locations stench of bullshit story on them. Name names or get off the pot you cowards!!

[tuolumnejim]

Well one thing she wrote was true anyway. 

Link

grasswire  (1000+ posts)      Tue Dec-21-10 04:25 AM
Original message
A Chase branch mgr mocked me and laughed at me today, in public!
 I have a business account at a Chase suburban branch. I went in to make a deposit and dispute an overdraft charge of $35. They charged the fee because a restaurant added a tip to a sale after the fact and the tip overdrafted the account by $4. I recall that when the account was opened in the summer I did not want overdraft protection for debit purchases.

In my discussion with the teller (who was very professional) the manager came by and got into the conversation. I mentioned that over a period of several days the detail of the account shifted several times as the bank re-ordered the transactions each day.

She got hot under the collar, and denied that Chase does that. I said "we know what banks do, and some of them are under court order or criminal investigation for their practices."

She laughed out loud, mockingly, like a horse laugh. She shook her head to indicate that I was an idiot, and stomped off.

I think I will report this to customer service at HQ.
 

[thundley4]

I went in to make a deposit and dispute an overdraft charge of $35. They charged the fee because a restaurant added a tip to a sale after the fact and the tip overdrafted the account by $4.

I thought only upscale restaurants added the tip to the bill.  Now why would you use your debit card at a fancy restaurant knowing that you had very limited funds in the account. That sounds very stooooopid.

[Evil_Conservative]

Great minds think alike.

http://www.conservativecave.com/index.php/topic,52930.0.html

[Chris_]

I thought only upscale restaurants added the tip to the bill.  Now why would you use your debit card at a fancy restaurant knowing that you had very limited funds in the account. That sounds very stooooopid.

That, or he had more than five people with him.  Parties larger than six automatically have gratuity added to their bill at most places.  He was probably thinking he could scrounge on the tip and make his way out the door.

[Evil_Conservative]

I thought only upscale restaurants added the tip to the bill.  Now why would you use your debit card at a fancy restaurant knowing that you had very limited funds in the account. That sounds very stooooopid.

Some restaurants add a gratuity if your table has six people or more.  It's usually an 18% gratuity. 

[Chris_]

grasswire  (1000+ posts)      Tue Dec-21-10 04:25 AM

A Chase branch mgr mocked me and laughed at me today, in public!

Noooooo!!!!!

[Carl]

grasswire  (1000+ posts)      Mon Dec-20-10 11:33 PM
Response to Reply #2
5. the original reason was because our major clients are chase customers...
 ....and banking at chase means no matter where they happen to be in the world they can just transfer funds into our account and the bank will not hold funds. They clear immediately.

A business account with major clients yet one dinner sends them into the red.
Guess the basket weaving,bead stringing business just isn`t what it used to be.

[Karin]

A Chase branch mgr mocked me and laughed at me today, in public!

  Right off the bat, I LOL'd.  (Apologies to Beth for stealing her post.)

This is a funny story.  World-wide clientele...$4 in the red...Grasswire is a professional garage sale lurker. 

[Ballygrl]

thelordofhell (1000+ posts)     
Mon Dec-20-10 11:54 PM
Response to Original message
10. This is what I don't like about stories like these
This person is so pissed off that they feel the need to post the story, yet they won't name names or tell locations? If shit like this happened to me, I'd be posting the names of the teller, the manager and the location of the bank everywhere.

Every other week I read these "I've been ****ed over by the industry" stories, whether it's a bank, store, restaurant, etc. and they all have this name no names or locations stench of bullshit story on them. Name names or get off the pot you cowards!!

Dappleganger  Donating Member  (1000+ posts)
Tue Dec-21-10 12:27 AM
Response to Reply #10
13. Maybe they don't want to get sued.
   
Just because names are posted doesn't mean it didn't happen.

But then again, if you don't believe most of the stories posted here just who is the bigger fool, the one who posts them or the one who claims they're false but continues to stay here?

thelordofhell (1000+ posts)
Tue Dec-21-10 12:46 AM
Response to Reply #13
16. If you can sue for getting slagged on the net
   
You won't need the FCC to help limit the pipes anymore cause there won't be any people left on it to matter. I guess Wikileaks really is brave to name names.

Who says I don't believe in most of the stories posted? I just can't believe they're not naming names and kicking more ass. Wouldn't you if this happened to you?

obxhead Donating Member (1000+ posts)    
Tue Dec-21-10 12:35 AM
Response to Reply #10
14. When did Skinner quit and put you in charge of setting the standards?

thelordofhell (1000+ posts) Click to send private message to this author Click to view this author's profile Click to add this author to your buddy list Click to add this author to your Ignore list    Tue Dec-21-10 12:59 AM
Response to Reply #14
20. It's not as if the Chase bank manager posted a "No Negro's" sign
   
I guess if that happened, we'd know her name huh?

[jukin]

ZERO Bong.

If a tip is added in you see it on the credit card bill total.  You know the one you have to sign. If I were to discover that any establishment added on something not on my receipt that I signed, there would be a quick call to the DA.

It is almost as if none of the DUchebags have ever used a credit card to pay a restaurant bill.

[Celtic Rose]

ZERO Bong.

If a tip is added in you see it on the credit card bill total.  You know the one you have to sign. If I were to discover that any establishment added on something not on my receipt that I signed, there would be a quick call to the DA.

It is almost as if none of the DUchebags have ever used a credit card to pay a restaurant bill.

Exactly.  It is illegal for a restaurant to charge your card without your authorization. 

[true_blood]

grasswire  (1000+ posts)      Tue Dec-21-10 04:25 AM
A Chase branch mgr mocked me and laughed at me today, in public!

A day in the life of a DUmmie.

[vesta111]

Exactly.  It is illegal for a restaurant to charge your card without your authorization. 

AH us Yankees, I never have eaten anywhere and paid by credit card.

When we do eat at even midscale restaurants I ask first if gratuity is included in the bill.  If so for dinner time we then add 5-8 dollars over the bill, good service gets darn near 30%.  But they remember us and go all out next time we visit.

At one place we used to visit I would tip 3 times the state tax.    Funny, at one time I had a dude light my cigarette and another put a napkin in my lap, at another, as soon as my car pulled into the lot the bartender would start my Rum and Coke and have it waiting for me on my favorite table.

This is whats its all about, I can cook a steak, bake a potato at home and mix up a salad for $15.00 for 2.   I am paying at a resturant  for the service, the feeling of being pampered and no dishes or go anywhere a kitchen.  

This person who went nuts because she over drew her credit card limit, ---Too bad,  what is her bank suppose to do about that.  

You are most correct about charging a credit card without authorization, but when the bill was presented she signed the darn thing without checking on what had been ordered and the conditions of the transaction.

For gosh sake why use a credit card for anything that is not permanent, food is a last resort.  Yes I know that theme parks for a day of fun and rides that is soon forgotten are charged by some, we do book hotels or rent cars if need be with a card but only because they do not except cash.-----However we have the cash in the bank and can pay the card off on the first bill---OUCH--but peace of mind and few debts over our head is the Yankee way.

Celtic, we are going to have starting to force ourselves to be thrifty and use credit cards just when cash will not do.

If one needs something and cannot afford it in cash---save up, nickles and dimes in jars, forgo that movie or dinner out, sacrifice for what one needs or wants.

This poor poster has no idea of planning something as simple as a night out.  Now I know how the mortgage problems happend, people with her mind thought signed anything placed in front of them with out reading or checking on the terms of the transactions.

Damn stash the cash under the mattrice, in jars and cans but leave those credit cars at home under a floor board.

[I_B_Perky]

good service gets darn near 30%.  But they remember us and go all out next time we visit.

Same here and I always pay in cash if it isn't a "business meeting". If one particular person is really good I'll put the regular 20 percent tip on the table and personally slip the good person a good tip and tell them that goes in their pocket.

I never  have a had a problem with service and yes these people do remember you.

[Tucker]

Not that the attic dweller is telling the truth, but she should have her copy of the receipt from the diner.

[PatriotGame]

A business account with major clients yet one dinner sends them into the red.
Guess the basket weaving,bead stringing business just isn`t what it used to be.

Yea - I guess being the proprietor of a commune book, bong, and bead store doesn't pay like it used to.

[PatriotGame]

  Right off the bat, I LOL'd.  (Apologies to Beth for stealing her post.)

This is a funny story.  World-wide clientele...$4 in the red...Grasswire is a professional garage sale lurker. 

No shit!!

"I'm an international arms dealer - SCUDS, ICBM's, tanks, AK-47's by the thousands, LAW's, mines, FA-16's, and billions-of-bullets...I tipped four dollars too much on my "debit card" and was forced into bankruptcy!"

Riiiiiight...

[PatriotGame]

grasswire  (1000+ posts)      Tue Dec-21-10 04:25 AM
A Chase branch mgr mocked me and laughed at me today, in public!

A day in the life of a DUmmie.

I caught that...

If this really were the case then grasswire would be bitching about it's doctor, garbage collector, water meter reader, cabbie, cop, lawn-boy, grocer, mayor, senator, dentist, TV Weatherman, family members, and of course...us!

[true_blood]

I caught that...
If this really were the case then grasswire would be bitching about it's doctor, garbage collector, water meter reader, cabbie, cop, lawn-boy, grocer, mayor, senator, dentist, TV Weatherman, family members, and of course...us!

[shadeaux]

She didn't have to go into the bank to fix her debit card problem.  She could have called.

IF it did happen, I suspect she acted the ass and the manager laughed at her then excused herself because she got to laughing hysterically at the crazy moonbat woman making a scene.

Or as I suspect even more, it's all a lie.