Wednesday, February 14. 2007
We'll laugh about this...someday
(By Joshua, with help from Crystal)
No, Crystal's not pregnant (the first Valentine's she's not been pregnant since we married, incidentally.)
No, Joshua didn't lose his job.
No, we're not getting a divorce (not even close, people)
No, nobody is dying.
The day started great. I got to work by 8:30, which meant I was able to get off at 4:30. We ran errands, and dropped the kids off at church where they were running a baby-sit-for-donations night to help fund their Mexico missions trip. Ran a couple more errands, first to the post office, then to the bank to deposit a check, where the ATM gave me a nice receipt telling me our checking account was overdrawn by $596. Yes, that's right, our balance was negative five hundred, ninety-six dollars and ninety-two cents. Huh!? What?! Choke!
Immediately, my mind is racing...what did I do? Did I forget a check? Did I accidentally make my last credit card payment a scheduled payment instead of a one time payment? Any other possibility? So, I printed the last ten transactions (thankfully, a free service) and I promptly found out I had five overdraft charges. Now I'm really worried, ticked (at myself at that point), and not thinking terribly clearly. I was on the phone with my dad at the time, and I'm not sure he noticed that I was a bit distracted. He may need to repeat the contents of most of that phone call. I was so frazzled that I drove away from from the ATM and left my card there. No, still haven't found it. Will call the bank in the morning to see if the ATM kept it, or someone turned it in. If not, well, then, I'm getting a new check card.
So, instead of heading to dinner, we head back home so I can pull up our statement online, and call Wells Fargo to see what on earth happened (while I was on the phone, Crystal headed back to Wells Fargo to see if she could find the card...nope). Well, it wasn't my fault, so I was able to relax a little. What had happened was that we deposited a (rather large) check given to us, it cleared (according to our statement), and then ten days later, Wells Fargo came back and said, "We're sorry, according to the bank at which that account resided, that account is now closed." So, the entire check bounced, of course, putting us in the hole. All the while, other checks cleared, plus the $23 to $29 overdraft fee for each one they honored. So, on one hand, it was the fault of the check writer for grabbing an old check, but on the other hand, Wells Fargo shouldn't have credited our account until the check cleared on the other end. They've already refunded $100 of our overdraft fees, and claim that's their maximum since it wasn't their error, but I'll have to bug them again and see.
So, after that whole debacle, Crystal and I proceeded to Carl's Jr. (which was our original plan), got our food, and came home to watch a movie (also part of our original plan), then went to pick up the kids Certainly not the most relaxing way to start your evening, but it makes for a great story.
Yes, this all happened today, Valentine's Day. Yeah, I know, we'll laugh about it someday, but right now, I think I'm still coming down from the adrenaline high.
Crystal must really love me to put up with all the disruptions to her Valentine's evening. Must? Yeah, I know she does. And for that, I'm very thankful.
No, Crystal's not pregnant (the first Valentine's she's not been pregnant since we married, incidentally.)
No, Joshua didn't lose his job.
No, we're not getting a divorce (not even close, people)
No, nobody is dying.
The day started great. I got to work by 8:30, which meant I was able to get off at 4:30. We ran errands, and dropped the kids off at church where they were running a baby-sit-for-donations night to help fund their Mexico missions trip. Ran a couple more errands, first to the post office, then to the bank to deposit a check, where the ATM gave me a nice receipt telling me our checking account was overdrawn by $596. Yes, that's right, our balance was negative five hundred, ninety-six dollars and ninety-two cents. Huh!? What?! Choke!
Immediately, my mind is racing...what did I do? Did I forget a check? Did I accidentally make my last credit card payment a scheduled payment instead of a one time payment? Any other possibility? So, I printed the last ten transactions (thankfully, a free service) and I promptly found out I had five overdraft charges. Now I'm really worried, ticked (at myself at that point), and not thinking terribly clearly. I was on the phone with my dad at the time, and I'm not sure he noticed that I was a bit distracted. He may need to repeat the contents of most of that phone call. I was so frazzled that I drove away from from the ATM and left my card there. No, still haven't found it. Will call the bank in the morning to see if the ATM kept it, or someone turned it in. If not, well, then, I'm getting a new check card.
So, instead of heading to dinner, we head back home so I can pull up our statement online, and call Wells Fargo to see what on earth happened (while I was on the phone, Crystal headed back to Wells Fargo to see if she could find the card...nope). Well, it wasn't my fault, so I was able to relax a little. What had happened was that we deposited a (rather large) check given to us, it cleared (according to our statement), and then ten days later, Wells Fargo came back and said, "We're sorry, according to the bank at which that account resided, that account is now closed." So, the entire check bounced, of course, putting us in the hole. All the while, other checks cleared, plus the $23 to $29 overdraft fee for each one they honored. So, on one hand, it was the fault of the check writer for grabbing an old check, but on the other hand, Wells Fargo shouldn't have credited our account until the check cleared on the other end. They've already refunded $100 of our overdraft fees, and claim that's their maximum since it wasn't their error, but I'll have to bug them again and see.
So, after that whole debacle, Crystal and I proceeded to Carl's Jr. (which was our original plan), got our food, and came home to watch a movie (also part of our original plan), then went to pick up the kids Certainly not the most relaxing way to start your evening, but it makes for a great story.
Yes, this all happened today, Valentine's Day. Yeah, I know, we'll laugh about it someday, but right now, I think I'm still coming down from the adrenaline high.
Crystal must really love me to put up with all the disruptions to her Valentine's evening. Must? Yeah, I know she does. And for that, I'm very thankful.
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