Can't post it. Wife will beat me.
I am anal to the 14th power about keeping track of numbers. So is my wife. We have receipts back until they fade out unreadable.
What happened is thus. I made a series of transactions at Walmart over the course of a month, in each case the account was debited with in 24 hours, except for one transaction. That one had been hanging and hanging and hanging for almost three weeks.
Had a bit of a medical emergency this week, had to get some Attitude Adjustment Medication from the doctor, not a big deal. Had just enough in my account to pay for it and leave .05 in the account... understanding that I would get my Weekly Wad Of Cash from my employer.
According to the transaction records I have in my hand as soon as I purchased
the medication (in one town) suddenly at that exact moment Walmart decided that it wanted the money from three weeks ago. You look at the transaction post times its within seconds.
Manager tried to give me the "it's Wal-Mart's fault you know they are big blue and evil and all that" routine, then he tried to find any way he could to pin it on a math error.
Finally when I demanded transaction logs (which you have a legal right to) the truth came out. Yes they had most likely been holding that amount waiting for an opportunity to "slam" my account.
I planted myself and told him to type it up. How Citizens manipulates transactions as a method to create overdraft fees. His did so, signed it... dated it and signed and dated the transaction log printout as well.
This dude... his career is over but if this goes as big as I hope well then he's a hero in my book. I've heard other people complain about this over the years and I always figured it was because they suck at record-keeping.
