I'm About To Hang Myself In The Oven... (Rant...long)

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As some ppl know from other discussions I’ve made, we have been having more than our share of stress right now. First, Hubby’s pc went down forcing us into the position of having to buy a new one…did I mention we just bought his 6 months ago and no, the warranty isn’t any good now…it was only good for 60 days. Then I find out after 8 months of payments to my student loan that was supposed to have it just about paid off, they scammed me and wanted me to pay another $1300. But the biggie was still to come. Last Friday I woke up to one of our bank accounts being $177. Overdrawn. Now, we have 3 accounts…a primary, a second one for just online stuff and a third for our savings. It was the second one for online stuff that was overdrawn. So I called the bank and told them that we didn’t authorize these charges and what do we do. The manager put a “hard hold” on the account and canceled the debit cards. I also got the phone numbers for the company that charged us so I could call them. The manager told me that with the hard hold on the account that nothing would be able to come in or go out of the account but they couldn’t close it as long as it had a negative balance. Well, from what she said I quit worrying about it, afterall since it was locked, more or less, it was safe…we just had to wait for the company to return the money. I called the phone numbers and got some laboratory and spoke to a woman who had to be something like Guadimalian or something b/c I only understood about every third word. I mean it was practically impossible to understand her. I couldn’t find out anything but she kept saying “cancel?” and I kept saying “cancel!!”. I also looked it up online and found that it is a huge scam. Well, this morning I was up at 3:30am and when I checked the bank it showed nothing pending so I thought “good, it’s all cleared up, we can close it now”. Then about 2 hours later I looked again and now it’s overdrawn $247.!! Oh, and the bank added two overdraft fee’s totaling $70. I was furious! I called and their like “oh, it got through”. Well, their suggestion was to leave it for 10 days and they’d do a dispute and try to get the money back and there “shouldn’t” be any new charges. Well, this charge wasn’t “supposed” to go through and it did. So I talked it over with Hubby and he said “just pay it and close the &*^*%*%&^* account”. So we did. With his high blood pressure and my migraines we just can’t take anymore stress. It just p*sses me off that they let this happen after I called and told them about it in the first place and then they even made sure to add their fee’s so that they could steal even more money from us. The manager even told me that ANY purchase you make online gives your card number, expiration date and the little 3 digit number on the back of the card to ANYONE working in that company. Any one of those ppl can steal it and do what they want and the only thing a bank can do is do a dispute and IF they find in your favor they won’t make you pay it…but realistically if they can’t get the money back from the thieves then their going to get somewhere and chances are it’s the customer. It just made me want to take all our money out and go back to using cash. I don’t know about others but we just can’t afford this type of thing. I bet if the money had to come out of the bank workers pockets they’d make sure it wasn’t going through. Have you ever been scammed like this? Would you have paid it and closed it or left it open and hope nothing else is taken out? Do you think they should have closed it the minute they saw the bogus charge or at least froze the account? Do you think they should have charged overdraft charges? [b]~~AT PEACE WITHIN~~ **STAND STRONG IN YOUR BELIEFS**[/b]