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A little background in my experiences...

I've had a classroom of kids discuss how they were going to kill me. The methods, the timing, everything. Right in front of me. I filed a police report against it. But it was like a game of whack-a-mole. That shit had gone on, and did go on, the entire time I was in school.

I've been attacked. In my own driveway, back when I was 18. I had my nose broken in three different places with brass knuckles that night. Same kids.

When I was 20, my parents read my IRC logs and found out I was gay. The counselor they talked to suggested that they lie to the police "If they truely loved me" and say that I was trying to commit suicide. The whole 72 hour hold ordeal. The counseler said that a mental hospital could fix my head, and make me straight. So in came the police one day, and out I went in handcuffs. To say I was surprised was an understatement. To say that I understand what it feels like for a family to betray you, and for those who don't understand you-- HURT you ... is quite accurate. It took a couple days for the docs to figure out what really was going on. And I checked myself in on the third day, because I didn't want to go home. I didn't feel like I had a home. Spent 13 days there and I really should have sued the counselor. Ohwell.

When I moved to california (bay area) to live with Phyxis, shortly thereafter we had a neighbor calling us faggots and telling us that we should leave.

We were moving anyways, as we purchased a condo. Fat lot of good that did, our neighbors were real pieces of work, and it wasn't long before we had pizzas thrown at our truck on a weekly basis. I had the gay pride sticker keyed off my car, in the bay area! I got called a fag from a variety of passers-by more times than I could count.

I had someone pull up along side my car, and throw a slurpee into my open passenger window, shouting FAGGOT and trying to run me off the road. Guess that gay pride sticker really isn't good for much!

The next place we moved to-- the HOA was a buncha good 'ol boys. We purchased a nice condo and our greeting to the neighborhood was an outlined snippet of the HOA rules, with the area outlined noting "No immoral/unethical conduct is allowed in the premises" ... Phyx and I joked about having to sleep in separate rooms. Our cars were towed on more than one occasion after forgetting to put the parking tag on the rear view mirror, but most other cars all lacked the tags. It was blatant, and direct-- and swift too. Phyxis is rather obsessive. The one time he forgot to put the tag in his truck, it was gone in less than 2 hours. We had various complaints all filed against us. In all, it was a pitiful experience.

I think I'm within my rights to be sensitive to hate crimes.

So when I deal with comments like I have in the workplace now-- I aint happy about it.

It's no small wonder there isn't a gay pride sticker on my car now. And I'm fairly terrified of people, bad people, finding out that I'm gay. These days not so much for what they might do to me, but rather.. the opposite. In the end it's all the same, and it's all bad.

This was all I could remember in the 10 minutes it took for me to write this out. There's been a hell of a lot more that has happened to me in a bad way-- I know I'm leaving a bunch of stuff out.



Here's a delightful math problem... try to follow along to figure out how you can lose $190! (Please note: I've not used WF for several years, this was a long time ago)



Initial account balance: $500

Day 1: purchase $50 in gas, $8 for lunch on debit card.
account balance COB: $500

Day 2: buy $200 of stuff, $8 lunch on debit card.
account balance COB: $500

day 3: write check for $300, $8 lunch on debit card
account balance COB: $500

day 4: no activity
account balance COB: $500 (stuff takes time to clear!)

day 5: get paid $500 - direct deposit
account balance COB: $303 (you foolish grasshoppah think that this is before your paycheck has cleared, bwahah)

day 6: rent, write check for $350

day 7: no activity

day 8: try to buy lunch, $8, but debit card is declined.
race back to work, hop online and look: account balance: -$47.00 (!!!)

WTF happened? Lets do the math boys and girls...

They dumped it all at once on the 5th day, clearing the two biggest charges first, knocking the account balance to $0, then charged $33 over-draft fees for the gas and the three lunches, each, and applyed the paycheck at the very END so it didn't cover things. All the transactions get back-dated to look as though they were withdrawn at the time of purchase, when they weren't.

Aftermath:

Day 9: cuss out wells fargo on phone to find out all this information.
account balance: $$302

Day 10: you deposit $50 cash to try and bring the account into the black to cover your rent check.

Day 11: $350 check bounces, NSF. Landlord calls you up, wants $350 cashiers check + $25 NSF fee.
account balance: $319 AFTER your $50 deposit.
Kicker: The bounced check was a $33 NSF fee, so $50 wasn't enough to put the account into the black if the check cleared.

Conclusion:
You: lose $190 gain: 0. ethics: sux2bu

WellsFargo: lose $0, gain $165 ethics: unfair for the payOR, but fair for the payEE, hah hah hah hah! Tell him vinnie. "If you don't pay, Pizza is gonna send out for YOU..."


- Keman

- Keman

Comments

( 6 comments — Leave a comment )
khyle
Apr. 27th, 2005 05:03 pm (UTC)
*hugs*

Man... Thats tough, and I'm sorry that life hasn't exactly been a bed of roses. I've had my fair share of life's inconveniences, but I see constant reminders of others who have been hurt worse in life and it just makes me really wish that I could change the world and stop the pain and suffering...

I hope that things look up for you Keman. I reall do... You deserve much better. You are a very smart and intelligent and talented individual. It just really sucks about how "people" are and how biggoted they can be. I really wonder sometimes... Then when you think things are ok and that you know things, the rug gets pulled right out from under you.

If ya wanna talk and such I'll be free tonight after work/working out if you'd like, on phone, aim, SL, or whatnot. *hugs*
pathia
Apr. 27th, 2005 05:13 pm (UTC)
*hug*
doniago
Apr. 27th, 2005 10:44 pm (UTC)
Bank Practices
I certainly don't agree with the principle, but going through withdrawals before deposits seems to be a typical bank practice. Yeah, it does suck.

I also dislike the credit card policy of applying payments to the lowest-interest balances first.

Could we be a little more spiteful please?
kyhwana
Apr. 28th, 2005 05:08 am (UTC)
So, how do you feel about guns? XD

Also, harlkyn just had a similar experience to yours with the bank.

Banks are just there to steal your money. It's another one of those evil capitalism things. But what can you do?
wolffit
Apr. 28th, 2005 10:50 am (UTC)
My bank does everything based on the daily balance. If you have a withdrawal and a deposit on the same day, it doesn't matter what order they occur in as long as they're recorded in your account in the same day.

But then, my bank isn't Wells Fargo.
aerowolf
Apr. 28th, 2005 06:28 pm (UTC)
Sue the fuckheads.
Credits happen before debits, PERIOD. If you deposit cash, it posts that night. (Unless you deposit it at the ATM, which takes another day -- but the first $100 of any deposits on any given day /must/ be made available to you (and thus available to cover your checks), under federal reserve board of governors regulation CC.)

When did the actual NSF occur for the rent check? (And why didn't they tell you that it had already bounced, if it had?)
( 6 comments — Leave a comment )

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Galen
wolffit
Galen Wolffit

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