I am so pissed off right now, matter of fact a number of emotions are going thru me at the moment.
Yesterday Ben decided to go to Mc.Dees to get the kids something to eat. No harm in that right?
Well about hf hr later he calls me and he tells me that he is coming home without any food! I asked why? This is what he tells me.
When it was time to pay for the food, he swiped his debit card. DECLINED..He tries again DECLINED. He is thinking WTF? He knows for a fact that he has money in his account! So what choice does he have but to step aside and call Customer Service at his bank.
What they tell him is this...... Well it seems like your bank account is at a negative 4,562!!!!! He is like what! That can not be possible. They also say that there is a lien or hold on his account. He asks why and where did this come from. The lady tells him that all she can see is that NY State has placed some sort of hold on his account. THAT DOESNT MAKE SENSE!! He doesn't owe NY anything. He doesn't owe taxes so what the hell else can he owe them?
The lady gives him a number to an office that is now closed and tells him he has to wait till tomorrow to call.
He gets home and he is very upset. I dont blame him, I am very upset as well. Not only did his paycheck just get deposited today, but we also deposited his entire stimilus tax payment!! So there goes all the money we had!
So I tell him to call the bank again and demand more answers. Like how could the bank just allow someone to get into his account without contacting him.
So he calls again, once again this lady was no help. Why do hell do people choose to work in places that require you to help someone but then they refuse to help you?! So I tell him to hang up with that asshole and call again. Hopefully he will get someone who actually likes their job. I guess God heard my prayers because this lady turned out to be a very great help. She went thru all his transactions with him . It turns out that during the day $881.00 was withdrawn from the account, 1 minute later another $75.00 was withdrawn which was put down a legal processing fee. Ben says he did not make this charges and he also did not authorize anyone to make these charges. So he asks ok, so they withdrew all this money from my account so now why are they saying that I owe them 4,000? Where is that figure coming from? The Rep says that it doesn't make sense either and she doesn't understand why that number is showing up! As far as she could see they withdrew all the money he had in his account so his account is now at an even 0.00. She says she doesn't see why this other figure is showing up. She tells him to call the number to where these charges supposedly came from and let them know that he did not authorize these charges and that they need to give him his money back. If they refuse he can dispute it and the bank is supposed to refund his money within 10 days. She then passes him on to her supervisor who she says can help him understand where the 4,000 figure is coming from. Supervisor comes on the phone, is not as nice as the first rep and she says that what it is someone is saying that Ben owes them 4,000 and that they are going to try to get it from him. He asks her again WHO?? She says Well I really dont know, but I can give you an example. Maybe it can be a collection agency for a credit card.HMMM well ben did have some outstanding credit cards but not one ever totaled 4,000. He had 2 cards and they were each 200.00 limits and this was about 9 yrs ago!!!!!! So once again what is the 4,000?? She said that all she could do was wait until tomorrow and that she would call and she advised him to call as well and find out what this is all about. She also said it could be a whole big misunderstanding.
Well I looked up information and it says that Collections Agencies CANNOT SEIZE/GARNISH your bank accounts OR wages UNLESS they have taken you to court sued and WON a judgement against you!
He has NOT gotten any summons to appear in COURT AT ALL! So if it is a collection agency, how can they be allowed to do this. It is illegal!
Yesterday was a bad day. Both of us had a huge headache and are thinking where are we going to get the money to survive till next week when he gets -paid again!
All we can do now is sit and wait for answers. I spoke to Ben a little while ago and he said that he is getting ready to call the number the bank gave him. Please keep us in your prayers and hopefully it was all a mistake. If it is a collection agency, hopefully the bank refunds his money because they were not given authority to take anything.
I am screwed as well because I just paid all MY credit cards by check just yesterday and now those checks are going to ALL bounce! I am going to get charged all kinds of ridiculous fees. This is all freaking unreal! How can people do this??
I don't know what else to say. Now this on top of everything else that we have to deal with. I mean when are we going to get a fucking break. We think we are all caught up and then something happens to bring us right back to square one. It mays you think why even bother??
There are so many people out there who do so many bad things but are living comfortably without any problems and then there are many people like Ben and I who do things by the book and who are actually trying to do their best and we get thrown all these hurdles. I mean it makes no sense!
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