Stupid bankers

Banks today really make me angry...even the ones that aren't being bailed out by the government and the ones that aren't making loans to people who shouldn't be getting loans. When I moved I needed to switch banks and it has been the most difficult, frustrating occurrence in my life.

I have at least 5 stories that have taken hours out of my life and have cost me about 200 dollars in fees...all mistakes I had no control over. It's really frustrating when you're a little anal like myself and like to have all your bills paid the day you receive them in the mail. Anyway about two months ago I switched banks because USbank doesn't have a branch anywhere in Texas. So I take all my money out and put it in wells fargo. Then Netflix charges my old account 16 dollars, even though I had deleted that account from my profile. The nice thing about Usbank is that they don't do over draft they just take 200 dollars out of a reserve line and you pay that like a credit card. So now instead of having no dollars in my usbank account which I don't really have I have 184 dollars but owe them 210 dollars. So I ask them if I can send them a check for 26 dollars and they tell me no...I have to pay the full reserve line...and that I can't pay from my USbank checking account because it doesn't exist...even though I have 184 dollars in it. Makes sense...wait...FUCK NO it doesn't make sense. How can an account I don't have be charged? And how can I have 184 dollars in an account I can't write checks from? And why in the hell can't I just write them a check for the difference? Nobody I talk to on the phone seems to think this is odd or understands why this is a problem. So what I have to do is use the 184 dollars using the website...which makes no sense but for some reason I'm still able to log in. So I write a check to my self for 184 dollars and when I receive it in the mail I deposit it into my new account. So now I still owe Usbank 210 dollars...no the exact amount was 203.68. So I call them again asking them how I can pay this amount and the lady assures me that my account is closed and that nobody will be able to charge money to it. She then tells me that I have to wait for them to send me a bill in the mail for 203.68. So I wait. Meanwhile my job puts my paycheck into my account at USbank, instead of my new account at Wells Fargo. Somehow I don't have a bank account at Usbank, but they happily accept my paycheck but don't' put it into an account because there is no account to put it into. That's not my problem as I decide for that month to just get a written check instead of having direct deposit. So I deposit the check into my Wells Fargo bank account and they decide to put a hold on it. They can't tell me why...They WON"T tell me why. They don't even tell me they did it. In fact they take money from my checking and put it into my savings and since I don't have a paycheck in there like I'm suppose to they charge me 35 dollars...even though I have money in my savings, plenty to pay the amount they tried to take from my checking. I have to call them exactly 5 times before I get someone who understands the problem and realizes that it was their error. So they don't charge me the 35 dollars and eventually my check is deposited. Mean while I get the bill from Usbank saying that I owe them the 203.68 and that it is due on 2/05/09. I send the check immediately. It is deposited on 2/03/09. Which makes me mad as I sent it right away...and two days seems cutting it close. It doesn't matter though because I consider it done with. That's until today when I get a new bill for $2.15. The lady tries telling me that interest is charged daily...so when I when I received my bill for 203.68 on Thursday, by Friday it was a little more, Saturday a little more, and so on and so on...and since it didn't post until 2/03/09, $2.15 was the interest that had accumulated...It made no sense at all. I first explain to her how bills work. You are sent an amount. You are given time to pay that amount. If you don't pay by that time, then there are penalties or interest added. You don't pay interest on days while the check is in the mail...Interest isn't added daily. She argues with me. I ask her if she has a credit card. She tells me it's none of my business. I then laugh a little and tell her if she does it goes like this. My credit card company sends me a bill for the amount I have charged to it. If it's a 100 dollars and I send them 100 dollars then the account is at 0. They don't send me a bill for 100 dollars, then add some weird amount of interest until I send them a new check. If I don't send them 100 dollars then I am charged interest on the amount left over. Or if I send it late then I am charged interest on the entire amount. She then agrees with me this is how credit cards work. I then ask her what the difference is between the reserve line of credit...and a credit card. She says nothing. I tell her that I got a bill for 203.68 but really my minimum payment was $25. But I wanted this account closed so I sent the entire amount on time...which makes it a balance of 0. She then says "No." I then ask her if I do sent her the $2.15 won't I owe actually more because the $2.15 will be gaining interest while my check is in the mail making this a never ending process? She says and I quote, "No the $2.15 if paid on time won't get interest if paid in full." I ask her then what the FUCK the difference is when I paid the last amount. She can't tell me and I ask to speak to someone else. She puts me on hold for 35 minutes...35 fucking minutes...then she comes back on and tells me it's all taken care of and I should check back in a few days to make sure....I thank her for taking care of it, but am still wondering why the hell I should have to call them back to make sure they have fixed it...

i am going to ask to be paid in cash and I am going to bury all of it in the back yard.