I'm trying to figure out how the IRS can just pull a few extra bucks from my account and leave me in the red. Every single month, about a third of my balance vanishes, and this month was no different. It should have been around $1,285, but they took $1,289, plus an additional $0.67 transaction fee 🤔 . I didn't even have that much money in there, yet they still pushed me into a negative balance $2.00. I ended up paying it off yesterday once I realized how shady they're being.
Hey everyone, Over the last two weeks, I’ve noticed some bleeding during bowel movements. At first, I didn't think much of it—figured it was just one of those things that happens—but now I've found this brownish growth right at the entrance. It feels firm, almost like a long, subcutaneous cyst, though I'm not entirely sure it actually *is* a cyst. The pain has picked up a bit over the last couple of days since I noticed it, so I’m looking for some advice. Should I head to my doctor to get a referral to a proctologist or something? I know this sounds ridiculous, but I'm low-key panicking here.
Ask your manager to bump up your GPA for three months first. Once you’ve got that leverage, then you can start looking into whether you actually have the option to move up.
Lawrence Wright7 said:Interest has been pretty thin, honestly, but one serious Customer actually showed up. Right now, he and his wife are scrambling to secure financing, basically running from one Chase branch to another... I'm genuinely rooting for them to pull it off.
Richard Wright said:So, you didn't get an answer there? Look, records get wiped three years after you settle the debt, but honestly, your HROK report matters way more than some generic "blacklist." Once you've cleared what you owe, you shouldn't be losing sleep over whether you're on a list or not...
Do you think I track everything? I thought it was two years. I went back to check that thread just now—I’m forgetful, but even there, nobody ever replied. Isn't the deletion supposed to happen after two years?
The debt is settled; it’s been nearly a year. I don't get why they didn't close it out immediately. It took months. Total incompetence.
It's frustrating. I've had an account at my bank for over a year. My salary is about $4,500, yet they won't let me go into overdraft, even though they'll give me a Mastercard. What's the point? If they won't allow a small overdraft, who's to say I'll actually qualify for a loan if something serious comes up?
I’m wondering—once those two years are up, do they just wipe the slate clean, or do we stay stuck on that closed blacklist forever? How does the whole process actually work?
Raymond Brown10 said:The blacklist needs to be officially closed out—the client actually has to head down to the bank in person and sign off on everything to confirm it. Only then is the file technically marked as closed, but just so you know, that doesn't necessarily mean you've been cleared from the list yet
It seems ridiculous that I’m expected to show up in person to sign off on this. It should be their responsibility to clear your name the moment everything is paid in full. I spent months fighting with my local Wells Fargo branch to get my status cleared, even though every single debt was settled. They were just being difficult because they didn't like receiving a court order to halt a collection action on my account.
Timothy Kim9 said:You can't just shut down the blacklist, folks—believe me, I'm the one maintaining their entire IT infrastructure 🙂
The blacklist tracks every single client who, for whatever reason, failed to stay current on their loan payments before the FBI stepped in two years ago. And since the FBI has been around for two years now? Banks are still very interested in seeing exactly what kind of financial gymnastics you were pulling over the last five years 😁. They track all of this through those blacklists, which are still being aggressively shared between banks today 🙂
Wait, you mean our names don't just get wiped after three years?
The apartment isn't overpriced, though most people probably can't afford to go any lower than what the big banks require I suppose for our local economy it might seem steep, but that’s just how the market stands right now.
He really should have been sitting there by yesterday at the latest. Either you botched the transfer or something else went sideways. Just head down to Bank of America and figure out where the funds landed and if you can actually get them back.
Richard Wright said:This question is poorly framed and the answer provided is completely wrong. There isn't even enough context here—we don't know which bank we're talking about, what kind of card it is, or any other relevant detail. Honestly, it’s impossible to give an accurate answer when you've left out everything that matters...
You aren't reading closely enough. We're talking about a local bank here, specifically a student account, if you can't tell.
dustyangler80 said:I’ve got a student credit card through Chase. I was wondering if there's any way to check my transaction history online? Just keep in mind—it's a student account. If that's not an option, can I just head down to a local branch to sort it out?
If you have a security token set up for your account at that bank, you should be able to see everything online.
Whatever happened, it’s unbelievable. If they're acting oblivious, there’s a camera right there. They should go check the footage; the timestamp on the recording will tell them everything they need to know.
I got word today that my credit score didn't budge, and honestly, I’m pretty disappointed. I’ve had an account with them for over a year now, and my direct deposits are always on time. My credit report is clean, even though those old marks from more than six months ago still show up, of course. I just don't get why they're being like this. The weirdest part? They're trying to pitch me revolving credit cards. I’m skeptical because the math doesn't add up. They claim I can spend more with lower interest rates, yet they won't grant me the higher limits where I actually need them. Can someone please explain the catch here? I have a gut feeling they aren't giving me the full story. I know I can be a bit much when I'm digging for answers, but I genuinely don't understand. There has to be some hidden downside to these revolving lines that they aren't mentioning.
When I say "money," I mean the cash you actually earn that stays in your pocket. It’s not the same as being in the red, where you owe money and have to pay it back with interest. That's why, for me, they aren't the same thing.
True, but there's a massive difference between having actual cash sitting in your checking account and just having an authorized overdraft limit. You can't honestly claim they're the same thing.
Theoretically, if you aren't using it, it’s just a concept. And those concepts vanish the second you actually put them to work. I know plenty of people who let their deficits sit untouched because they realize once they start addressing them, there's no end in sight.
James Hayes6 said:And there’s more to it!! I constantly see people posting comments like, "Oh, I have a credit limit of this much and I never even touch it." But look, let's get real here. Even if you aren't spending a dime, JPMorgan Chase is still using those limits to project how much "capital" they actually hold. What does that mean? It means their balance sheets claim they have money that simply doesn't exist. It's phantom cash... just look at guys like Peter Parker or Sue Storm over at AC; $8333 they’re sitting on those $0.00 which are totally made up!! By doing this, we’re basically manufacturing currency out of thin air, and that is exactly what drives inflation through the roof!!!
I have to admit, this makes sense. I've never looked at it from that angle before. Thanks for the perspective. 🙂
Elizabeth Moore8 said:So, I had this little loan at Wells Fargo way back in the day, totally paid off. But when I went to get a new loan over at BlackRock, I was super careful. I checked everything with my banker, making sure all my accounts were clear and everything. Then, out of nowhere, she calls me up one day and goes, "Wait, you didn't mention you still have a loan at Wells Fargo?" I nearly jumped out of my skin! What loan? It’s been settled for ages... but apparently, the SEC says otherwise. According to them, I still have an active loan at Wells Fargo and—get this—that I haven't made a single payment since 2002.
To make a long story short... Wells Fargo reported that old, finished loan to the SEC twice. One entry is correct, but this second "phantom" one is just sitting there marked as open...
It ended up dragging out my whole process with BlackRock by about ten days while I scrambled to sort things out with the SEC...
And did Wells Fargo even say "sorry"? Not even a word.
Unfortunately, from what I've seen, this happens quite often and I honestly don't understand how it's even possible. When it comes time to grant us a loan, they make our lives a living hell, but once everything is finalized, they take forever to close accounts and report the data to the SEC. In my opinion, it's just plain wrong. And the worst part? There isn't much you can actually do about the bankers.