Jesus. Someone’s head need to roll for this one.
I haven’t gone out shopping for a few weeks now so I thought it’d be good to trawl through the mall and see what I could come up with. I picked up a pair of shorts at the GAP. At the cashier I pulled out my debit card, had it swiped and proceeded to punch my numbers in. Moments later I got a notice that the transaction was declined. Strange. So the cashier swiped it again and I punched in my PIN with a little extra care. Again, it came back declined. I thought, “Whatever…” and just pulled out my Visa. When it came time to sign, as I hovered the special pen above the electronic signing thing, the screen proceeded to write something in the box even though the pen made no contact with the screen. What the heck? I tried writing in the air, and it dutifully mimicked my movements. That doesn’t even make sense! Maybe I was transmitting some weird aura through the pen. Ha! Apparently I can channel my energy through a stick.
Well, eventually we got the transaction done. Due to the freakiness with the signing thing, I chalked the debit issue up to a faulty machine. I ventured over to a branch of my bank though to just make sure nothing kooky with my card was going on. I got there and swiped my card. When I entered my PIN everything turned out alright. So hey, I just left and went about my shopping duties.
Over at Old Navy I found some khakis and decided to try paying for it my debit once more. They had the same type of machine I saw at the GAP (no surprise since they share a parent company). I swiped and put in my PIN, but once again I was declined. Now I was worried. Willing to blame the machine type I went to HMV, picked up a few CDs and tried to use my debit card. Again, I was declined. The keypad indicated that I had insufficient funds. The keypad was different from the other two places so I knew that this was serious.
I hauled ass back over to the bank and had someone check my account. The teller told me that I currently had a negative balance. What the hell?!!!! She asked if I made a cheque for around $20K to someone. I responded with an emphatic “hell no!” My mind started going through various scenarios as to why something like this was happening. Was I being defrauded? Did someone hack into my account? I was in a panic.
Oh, then I realized that I had written cheques for $2067 or so for the condo upgrades. I wondered if it was related. The teller came back with (probably) a superior. They came with a print out of the cheque that was cashed in. There was nothing wrong with my cheque. Apparently though, someone made an egregious data entry mistake. Instead of inputting that $2067 should be taken out of my account, they input $20607.
Bloody HELL. That’s a mistake worth $18.5K. Obviously that’s money I simply don’t have. As a result, that mistake send me into overdraft. I was unbelievably frustrated at that point. Unfortunately for me, they said that the mistake was something that could only be rectified directly at my home branch. My home branch has horrible hours and is only next open at 10 am on Monday. So, I’m stuck waiting on this ridiculous issue for 2 days until I can go in person.
When I got home, I tried calling customer service, but they told me the exact same thing–I had to go to my branch. Damn it, damn it, damn it. Something like this should never have happened. Everyone agreed with me on that point. However, now that it’s done, it’s simply ridiculous that I have no other avenues to get the situation rectified. Instead, I have to inconvenience myself by missing a few hours work to get them to fix their mistake. Maaaaan. What the hell is with that?
Right now, I’m trying to stay relatively calm because really there’s no point in expending energy on it since there’s nothing I can do. It’s just hard to not worry about it. I’m the type of person that keeps a close watch over my balances. I try to keep things under control. So it’s really killing me that it’s out of my hands for now. Well, I guess when I come in on Monday I can see if they can provide some sort of compensation for such a stupid mistake (where are the damn checks and balances?). However, I certainly won’t hold my breath. Still: I want justice!
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