Poorfag here, bank software fucked up and told me I had 488 USD available, I withdrew 300, overdraft was 66 cents...

Poorfag here, bank software fucked up and told me I had 488 USD available, I withdrew 300, overdraft was 66 cents. I had 10 in my savings (overdraft linked to that) I looked at my transaction record, no record of my balance inquiry before withdrawal, after I withdrew then suddenly like 5 small ass transactions from JFK airport which were made 4 days earlier hit and I got 37 dollar fees both sides. I'm now 225 dollars to the negative, and it's the bank's fault imo. What can I say or do to get them to admit they are retarded with shit software before direct deposit hits my account and is jewed away. Payroll already went out. Pic related. New wife on honeymoon last week.

Also, how can I wreck their shit and not get caught? Salt water in the atm?

Basically I want to be nice but if not, it's motherfucking payback time.

Nobody has a single idea? Well fuck
I guess I'm just going to shoot the first employee I see at my branch...

Dont do that they have cameras

Pink haired faggot OP signing off. See you on the news, niggers.

Oh hi there. Any ideas?

Their error, their charges. Go to a branch and make your case. Keep escalating until you get those charges reversed.

>I guess I'm just going to shoot the first employee I see at my branch...

Thanks for the tip, OP.
Massive faggot.

Shut up edgelord, with your old ass screencap.

This.

Poorfag here, had over $300 of overdraft shit reversed because I made the branch manager sit and listen to my bullshit until she was so fed up she just overrode the whole thing. In my case it was a situation where I had like 6 tiny charges placed 2-3 days ago, and one big charge that cleared INSTANTLY, immediately followed by all 6 tiny charges.

Anyone who thinks banks don't do this shit on purpose is actually retarded.

This is what I want to happen, honestly.

You need to learn to track your money better. It's not their fault that you can't be bothered to keep account of how much you've spent. You should be able to at least have a close account to how much you have, and if you look in your account and find that you have $200 more than you thought, perhaps you have charges pending. You don't fucking go spending it without checking to see whats going on.
The bank is not responsible for your retarded spending habits.

I said I checked my available balance before withdrawing money. Please get hooked on phonics.

You obviously have no idea how the system works. When you slide your card at a merchant, it only authorizes your card with your bank. It wont clear until they send the transaction in, which could happen right away or in a couple days. The bank only tells them at the POS that there are funds available. The bank does not hold charges that it has already processed. The reason it takes extra time is almost always because of the merchant.

>Anyone who thinks banks don't do this shit on purpose is actually retarded.
This has been documented in national news. They absolutely do clear big charges first for just this reason.

Did you check your damned pending charges? If you do not have an idea of how much you have, you are an idiot. Learn this lesson and take charge of your life. It's your fucking money, why on earth would you not have a better idea of how much you have?

>It wont clear until they send the transaction in
Merchant transactions should automatically put a hold on that amount immediately, as part of the authorization process, if done online. Otherwise the transaction could bounce in a couple of days and then they'd be out merchandise.

it was today, faggot.

I said I checked my available balance, not my current balance. How do people even fucking breathe without picture signs?

Don't be a poor fag, poor fag.

I have a chip card not a slide card, I don't live rural bro, and this was motherfucking JFK airport in NYC.

Lol I'm not anymore, I married well. Say what you want about tinder. Worked fine for me.

>overdraft
Should have opted out of "overdraft protection" the minute you opened the account. That shit's a scam.

Thats you and your wife in the pic?
Why the fuck did you agree to support that fatass dependapotomus for the rest of your life?
I made the same mistake. Now 6 years later i come to the conclusion she is a fuckless cunt (sexless marriage/makes me feel like a rapeist every time we fuck, and im not a monster so i cant get off on someone elses pain. And she is a bitch about it every time. Last night was the real kicker: we are trying to conceive. She asks if she can help me cum faster. I say "tell me to cum for you?" She then casually says with absolutely no genuine desire in her voice: "i need you to cum for me." Says it like she is asking a retarded 3 year old to take out the trash. Boner is kill mood is more kill than it was, balls go from "bout to pop" to "meh who cares?" In .000000000000009 attoseconds)
Soooooo now im weighing the pros and cons of getting a divorce. Married 6 years in texas. If anyone knows texas divorce law let me know.

Thank you. My wife is a financial genius, I'm getting a joint account with her so she can grab my leftover money from each check I get and roll it into something that pays me interest. I'm still learning about it. I'm aspie and money just doesn't always matter much to me, ya know?

My wife is 38, owns her house, car, and motorcycle. Not the bank, her shit. What do you own outright?

>Last night was the real kicker: we are trying to conceive
y tho

one of you in that photo is a fatass
advice would be to go on a diet

Buddy, stop projecting and stereotyping the world around your misfortune. Life is 99% what you make it, so if your life sucks, guess what...

We are. I'm teaching her Atkins. She likes meat a lot. It's portion control and avoiding carbs, and eating several small meals, skipping the big spread gorging till stuffed crap. I'm down to 220. From 255. Heading to 200.

They indeed do it on purpose. Wells Fargo lost a class action a few years ago for doing that exact thing.

Yeah. I made plenty of mistakes. And the one shot i had to make my life better i took it and fucked it up. So fucking what!? Shit happens! Im a fucking failure who will end up dying honeless alone and frozen on the side of the road. Fuck everything. I did the math i calculated my probable outcomes. I figures marrying this girl would be a gateway to a better chapter in my life and a bright future. I was fucking wrong as shit. So fucking what!?

My motorcycle. My game systems (gamecube ps2 original xb xb360 2 of them. Xb1g1, mostly comouter and videogame shit. Only thing i have of any real value is the harley). my laptop computer my clothes, a 15 inch lcd tv and a coutch

I did the same thing with my first wife, she was like yours, verbatim, but barren thank kek. Buddy, get the divorce, go live with family, get back to your roots and heal emotionally. Then you'll attract a better class of woman. Worked for me. OP here btw.

And you think having a kid is gonna make your life better?

Thats the problem. Im an armyfag. I joined up and got married so i could escape my abuseive/kgb envy controlling as fuck parents.

She said to tell everyone, we're old-school punk rock freaks, and she's sorry some people can't just be happy for other people who are

One of the many things you don't own is a proper grasp of the English language.

Oh, well in that case, travel to an Asian country on military dime and AWOL. Marry a nice waifu, and assimilate.

Idk why this shit keeps rotating my pics, they are right side up in my gallery

Your camera encodes rotation in EXIF info.
Your gallery parses it and uses it.
4ch strips it out.

bump

I showed her this pic a month ago. Got to her bad, she's seeing me get thinner and prettier, so really we just take turns leading by example and utilizing our strengths and weaknesses as a team. I'm sorry for anyone with less of a partner (stfu cheapshot joke guy)

Thank you. How fix user?

No, I'm a merchant.
How it works is if I run someone's card at 8am, and I send it in at 12, it only "registers" the sale for 8am AFTER that 12 mark.

Meaning, at 10am, the sale isn't posted to your account because I haven't sent it in yet, but at 1pm you will see a charge for 8am.
It works this way in case I need to void out a charge before i send in the batch.
Meaning, i charge you at 8am, i void your card purchase (meaning you don't get charged) at 10am, I send in the batch at 12, you won't see any charges at all.
Does this make sense?

I usually just load into paint program of choice, crop/etc., then save as new file.

No.
It's purely calories in calories out.
Granted some things can make you feel full more easily, but weight loss is only calories.

Yeah but the charges were held back for 4 days, not 4 hours. It was a non holiday weekend, on Sunday, and I made withdrawal on Tuesday afternoon. No fucking reason posting should hold that long from a major commercial facility, anonjew.

Thank you for the tip. Only does that with pics I took, not do.

Been trying to keep calories at 1200 a day max, minimal carbs, and no starvation periods, drinking water to make smaller portions feel like more. She wants to start walking 2-3 miles a few nights a week also. I've been showing her small ways to help burn calories, like pacing and talking on phone instead of sitting, carrying her rolling atache case (not frenchfag idk spelling) basically doing any small fast task a harder way.

had something like this happened were a payment proccessed after I thought it already had. Called my bank was nice and they told me it was an error that shouldn't of happened due to my credit line protecting me from any potential overcharges on my savings, cleared the charges and everything was fine. Maybe just try being a normal human being about it?

If anyone has archived this thread can I get the keksup? (Yeah I just invented a new word for sauce)

I said earlier I'm really hoping for a peaceful resolution. I'm also going to point out that I am about to refinance my car loan through their bank, with my wife cosigning because perfect credit and homeowner equity, but if they are shitty to the max I'm taking my newly found upper middle class life choices the fuck out of their hands, and they can keep 225.i can literally wipe my ass with that if I want. It's the principle of the matter.

Also kinda matters I don't own any guns. And I certainly don't keep them in easy reach in every room in my new house.

Damn I got trips twice in my own thread. Kinda happy about that now. Thanks for the quality advice to those anons whom gave it.

How about keeping track of your spending and taking your finances into your own hands, not your banks. Maybe you wouldn't be such a poorfag. Why victimize yourself because you were too retarded to know how much money you spent vs how much you were paid?

Didn't you say you were poor? Quit larping faggot

This guy obviously didn't read much of the thread before he decided to post. Sorry Chad Jewbag with the sub-saharan iq. This National Socialist and his German wife are sorted.

5 small ass transactions from JFK airport which were made 4 days

Nigger do you not know about batch reporting and how it fucking works? You didn't track your account, this is on you.

Yeah, I'm a poorfag atm. We just got married. I'm not on the deed to the house yet. I just changed jobs and am waiting for my held week of pay to pass. We spent a lot on the trip, and I'm not about to ask her for a goddamn cent. That's why she married me, I don't care about her money, but she could just buy me a new car off the lot if she wants to. It's nice, my family has nothing like that going for them. I broke out the ghetto, a week ago.

>No fucking reason posting should hold that long from a major commercial facility
>I didn't track my shit and it's someone else's fault.

It's time to put your big boy pants on faggot. You have to ledger this shit at the end of the day. Places don't need a reason to hold your charges back, sometimes they just fucking do it because the system hasn't cycled or they found an error and have to hold off making the batch a few days before they can process. Either way, ITS YOUR FAULT.

Do me a favor. Google United bank app. While I was on vacation the ability to track my finances shit the bed because they nuked the old app. I also dropped my phone down in Florida and baby put me on her contract, but my number wouldn't port fast enough so I got a new one, which left me unable to verify by text. No bank branch in the whole state I could have gotten to, which is why I checked my available balance at their motherfucking atm before I pulled out cash to pay her back for some things she got I wanted (read 3 gun experience at machine gun America, and a helicopter ride)

JIDL has found my thread. Suck Mohammed dicks, shekelnigger.

goddamn you sound fucking insufferable. I give your marriage 6 months tops before your wife gets sick of your whining and inability to take responsibility.

I run them the same day because large volume store. You could easily let them stay for several days. also I'm no jew.

>> inability to take responsibility
>> literally asking people for the best way to resolve this conflict peacefully and on my own.

Choose one, carefully.

Btw I'm also a home remodel professional, so like, yeah she likes having a different color bedroom a couple times a year, the new plumbing I bought and installed, and carpeted stairs. Also replacement windows I got her dirt cheap with connections, and installed. You need a shovel to assist that excavation you got going on brosephine?

>I'm now 225 dollars to the negative, and it's the bank's fault imo.

If you'd just assumed the responsibility of keeping your own ledger like a normal adult person you wouldn't be in this mess. It takes less than 5 fucking minutes at the end of the day. You avoided that responsibility and now you are grasping at straws here trying to get other people to solve the issue for you.

Buddy, I had their app on my phone. They made a completely new app and I dropped my phone and had to change carriers while out of state. I had no way to check the balance until I got back to my state, which I did, immediately. Also at their atm, not online (inb4 muh laggy software) their fault for making everyone have to switch to a worse app than the previous one and having literally monochrome atm machines.

>were trying to conceive
>I'm debating a divorce
Top kek
Choose one

Yeah after I read that I felt a lot better about only having a 225 dollar issue, which is to me about 2 day's pay

You know they don't give out medals at the Olympics for mental gymnastics, but if they did I bet you'd be on gold there. Again, if you kept your ledger up to date, none of that would have mattered. Tracking your money is your responsibility, not the banks, not the places where you spent it, and not your moms. Deal with it.

Not anymore. I have a wife now. If you had one you'd know what I meant.

You broke out the ghetto a week ago. Your wife makes money. None of this is of any relevance to the fact that you didn't know how much money you spent, and like a worthless little beta bitch, you have to rely on your daddy bank to wipe your ass and tell you how much money you have. Your "wife" (still think you're an attention seeking larper fag) is going to leave your pathetic beta ass. Or you can just accept that she will find a real man to fuck her and fulfill her needs and keep you on board due to pitt

Also, I don't use checks. I check my balance, including pending charges, savings, available vs total balance every morning. On the motherfucking APP.

Kek

Daddy bank trying to Jew me out of 225 over .66, when I have overdraft protection and the money in savings to cover it, yeah it's total bullshit. If they didn't overlook the goddamn overdraft the 37 dollar fees would never have hit and the rest would not have happened. So do you work for the DNC or ISIS? Shekelnigger

If you project any harder, you're going to end up with a sexual harassment case from 20 years go

Thanks again to the nice helpful ones for helping me sort out what to say and how to say it tomorrow.

>> ~out~

Which doesn't change the fact that you don't record it at the end of the night. Regardless of which, I look forward to a post form you 6 months from now along the lines of "wife is leaving me, our credit is circling the drain, it's all the banks fault." I'm hoping it will have some suicidal undertones, but I'll let time tell us that.

One last thing, hiddenlol.com is a great place to meet far right people with dark humor. Have fun.

Not at all. We both know she's the one that's good with money, so I drew up a budget, including my day to day expenses, and had her go over it with me. She pointed a couple things out, and got my weekly leftover profits nearly half my weekly check, which she's putting into her higher interest savings stuff. I may not understand all the loopholes like her, but i contribute to the pot far more now than she ever expected me to initially. She didn't care in the first place though. She really just had bad luck with Eddie Haskell types, and now she's got her National Socialist. I'm great. Just wanted objective advice on how to deal with the banks, because I fucking hate banks and did everything in cash until she started teaching me more about how this shit works. I want to impress her more though, by sorting out my own damn problem. And ive already said all this shit, trollkin.

There it is, couldn't let it go huh? That nervous bead of sweat crawling down your forehead, knowing someone might have gotten the last word in on your thread after you so gracefully ~out~'ed yourself. Your narcissism and inability to except responsibility is going to get you in the end. I sure as fuck hope you don't breed, I'd take pity on any offspring produced from such a coupling.

Um, yeah actually just have autorefresh on and I don't make threads here much. Kinda nice to get a few (You)s in relation to something I care about.

Dig deep OP. Dig deep.

~out~