I think that I'm a pretty patient person, really. I am not perfect, and like anybody else, I do from time to time lose my patience.
Today was an exasperating day.
I had to get groceries, and at the checkout line, my card rejected for insufficient funds. That's embarrassing enough. I knew exactly why though. I got scammed last spring, just before Easter. A fake ad for Legos. It was a Chinese company. The fact that they did not accept paypal should have been the tipoff for me. As a precaution, when we alerted the bank that we had been scammed, we paid for a new debit card.
The gentleman at the bank is, for lack of a better word, not technical. He fumbled around quite a bit, and it took quite a while, but I walked out of there with my new debit card. Unfortunately, he had attached it to our business account instead of our main account.
The business account is rarely used for business anymore. It was one of those things that if Tim needed to pay for something (or someone) he simply transferred the money to that account and wrote the check out from that account. It made it easier, in his mind to keep the business stuff separate from our personal stuff. As we became more adept at handling these things, the account was rarely used. Most of our banking is done on line and when we do write out checks, almost always they are business expenses. So...no need for a separate account, not really, but it had never occurred to either of us that it needed to be closed.
When my card declined the first time, I was a little shocked. I knew that it shouldn't have happened, Luckily, Tim was there with his card and took care of it. When we got home we went online. It was then that Tim realized what the man had done when he issued the new debit card.
We tried to straighten it out later, but the man couldn't even seem to understand what he'd done wrong. He believed that he'd done things exactly as they had been done before. Except that he hadn't, because our two cards were attached to the same account up to the day that he made me a new debit card.
Tired of trying to explain it to the man, Tim said, "Oh forget it. We'll just transfer what you need when you need it." That worked pretty well.
Over the months, we've had a few occasions to need to speak with someone at the bank. It's a small bank, and every single time we wound up speaking with him. At one point, I found myself explaining why he was having a problem with his computer. Let's be real. When I'M giving tech advice, we've got real problems.
Now it is Christmas. I'm doing a lot of shopping. I had transferred 'x-funds' and had spent 'x-amount' and had 'x' left over. Except that I forgot about a quick stop that I'd made to pick up something else, and I was standing at the front of a long line of people with a rejected bank card.
I said, "Don't put these groceries away. I'm going to the bank."
I headed straight to the bank. And dammit, wouldn't you know, there was that same friendly gentleman at the window. I took a deep breath and explained the problem. I told him that I wanted the problem resolved for once and for all. "My debit card needs to be attached to our main account," I said very firmly. "This is embarrassing."
And he said, "Oh, I can fix this," and it started once again. "Hmmm," he said. "Now...why won't this..."
After a few minutes, I said, "Listen, I've got a cart full of groceries at the store. Just go ahead and transfer the money from the main account to this account, but I really am going to need you to figure out what we need to do to get this straightened out." It seemed fair enough, since it was his mistake that set this series of unfortunate events into action, and I've dealing patiently with this for months.
He took down my name and number, we got a transfer done, and I headed for my groceries.
He called tonight and in a no-nonsense voice explained that he didn't understand why he couldn't attach the card to our 'virtual wallet.'
I gasped. The virtual wallet is not ours. It belongs to one of the kids and Tim's name is on that account just so that another person has access to it in case of emergency. I said, "That's not our joint account. I don't want my card connected to that. My name isn't even on that."
And he responded that I was incorrect.
I repeated myself.
He assured me that it was our account. I assured him that we did not have a 'virtual wallet'. I went online, and pulled up our account. I gave him our three accounts, to include balances.
He said, "Hmmmmmm..."
I said, "You cannot connect my debit card to that other account because my name is not on the account. I don't want it to be on that account, and we certainly don't want to be taking money from that account, because it belongs to one of our kids. We do not want it linked to our accounts." I was trying to be patient.
He said that account had to be linked to ours so that funds could be drawn from our accounts to cover any overdrafts on it. I started getting upset. "Listen, we don't WANT our accounts tied to that account. That's not our account! If the account is overdrawn, that's their responsibility, not ours. DO NOT LINK THESE ACCOUNTS!"
How hard can this be to understand? Honestly?! But he didn't. I gave him the names and numbers of our accounts, one by one and he saw those accounts. But he kept insisting that the Virtual Wallet account had to be linked to ours.
My patience was gone.
"Listen," I said, "Do not do anything at all to our accounts. I need an appointment with your supervisor. I want to sit down face to face with her. and I want to make sure that this is done correctly." By then, I was plain mad.
I've got an appointment tomorrow at three, it's NOT with him. Tim walked in from hunting. "What's up?" he asked cheerfully.
"DO WE NEED THAT STUPID EXTRA CHECKING ACCOUNT?" I was still mad.
He looked at me blankly. He had no idea why I was so fired up. "Nooooo," he finally said.
"I'm closing it tomorrow. It's just confusing things, and I'm tired of this," I slammed a cupboard door just for emphasis.
"Go ahead," he said mildly, and then said, "I saw two doe, but they were too far away..."