GEN MY BELOVED!!🥰🥰🥰🥰😭😭😭😭🥺🥺🥺🥺🥺 HERE IS YOUR DAILY DOSE OF LOVE FROM YOUR WIFE!! BUT LOOK HONEY!!! I BROUGHT SOME OTHERS WHO LOVE YOU LOTS AND LOTS AND ARE PROUD OF YOU!!!!💖💖💖💖💖💖💖💖💖
(WHAT DO THOSE HIPS DO??👀)
(ME @ YOU & YOU @ ME💗💗💗💗💗💗💗💗💗💗)
I'M HERE FOR YOU IF YOU WANT TO VENT OR CHAT OR SCREAM OR SING OR ANYTHING ANGEL!! YOU ARE LOVED! YOU ARE ENOUGH! YOU ARE WORTHY! I LOVE YOUUUU ~ 💗💗💗💗💗
HONEY 🥺🥺🥺🥺🥺🥺🥺🥺🥺🥺NO OK LEGIT THIS IS MAKING ME TEAR UP SO MUCH WHAT THE FUCK???? 😭😭😭😭😭 I AM GOING TO FUCKING CRY IN THE MIDDLE OF THIS STARBUCKS HOLY SHIT!!!!!!! this means so much omg. Didn't know I needed to see my wife. Bruno. Nell. Father Paul. FRODO AND SAM 😭😭😭😭😭SO BADLY!!!!!!
I mean god I've done my venting on the meds front but ugh also shit just don't be workin out today. I went to another coffee shop but they had no seats so I just had to get my coffee and leave- ended up at starbucks so I could get some actual FOOD in me too I just hate having to shuffle around so much. Then also my phone AND my laptop are both fucking around with me today- both times I tried to load up discord to reply to your dms they kept on CRASHING (my phone like crashed discord on startup too lmao like I need to get a new one- half my day has been spent comparing new phone prices and I'm hoping I can finalize what I'm gonna get with my mom when I get home lmao bc really I do need a new phone with more gig space mine's been full for MONTHS and I've had to delete a BUNCH of apps and photos but even that hasn't cut it) SO I HAVEN'T BEEN ABLE TO COMMUNICATE WITH MY WIFE EITHER AND I'M JUST?????
BUT OMG HONEY 🥺🥺🥺🥺🥺🥺🥺🥺THANK YOU. I KNOW YOU'VE BEEN FUCKING ROUGHING IT TOO AND THANK YOU FOR SENDING THIS AND CHECKING IN ON ME I LOVE YOU SO MUCH OK AND NOW I'M CRYING BRUNO SENT ME OVER THE EDGE OK ILY
7 notes
·
View notes
you don't have to pay overdraft fees ever
the biden administration recently cracked down on overdraft fees which means banks cannot force you to pay them as they have become opt-in -- however you do have to call the bank (for example, paypal payments overdraft you even if you have opted out, as they function like checks.)
my experience is with wellsfargo but i imagine that most major banks may operate similarly:
if you have an overdraft fee, call the bank, you will get a machine. go through the autentification process with it but do not mention your issue when it asks you to (specially not the word overdraft -- this is a conspiracy theory i cannot prove but i swear to god they rewire you to more aggressive phone people if you tipoff the machine) instead say "i'd like to speak to a representative" the machine will be like "lol didn't get that" so you may need to repeat it a couple more times before it wires you to a real person
wait! i'd recomend calling as early in the morning as possible to avoid elevator music.
be nice to the customer service person who picks up (i make a point of thanking them for their help and calling them by their name, if i don't catch it the first time i ask them again for it)
my script is something along the lines of: "hi, i noticed there's an overdraft fee in my account that posted on [date]. i am calling to see if we (WE -- you and the representative are a team against the problem) could do something about it" (<- you may decide to be more direct, i just put my innocent hat on)
most if not all of what they say to you is a script. they will be like "i will check that for you with the automated process that takes into account you previous refund activity" BLAH BLAH BLAH. more waiting. if you have had any refunds in the past 12 months, they will be like "sorry the system says no (:" THOUGH, VERY RECENTLY, they have tacked on this question: do you have any thoughts on that / how do you feel about that / etc. though even if they do not prompt you, here's the next step:
say: thank you! i appreciate the automated review, however i do not agree/approve/consent to being charged a fee. is there any way you could check again / anyone else i could talk to / would it be possible to refund it regardless? etc.
they will check again, possibly more waiting, and then you will get an immediate refund! in the rare case they refuse to, here is the link to the FDIC website that you can refer to (note, this is for overdraft fees only):
8. i cannot emphasize this enough -- be nice !!!!!!!!!!! BE NICE! be cheerful, say "thank you" and "no worries" and "take your time!". it is NOT a confrontation, it is NOT their fault, and most of the time the customer service representative wants this to be as frictionless as possible. they are helping you, use the opportunity to make a moment of their day a lot less stressful than they expect it to be.
that is ALL -- i have been using wellsfargo for over eight years, and have lost hundreds of dollars to predatory overdraft fees charged as a punishment for having no money.
during the beginning covid, when they were momentarily suspended (you had to mention covid on the phone to get them back lol), i came to the realization that all of this time they could have been giving me my money back. there was no reason not to, except corporate greed.
do not let phone social anxiety let them take your money from you, now that it is easier than EVER to get it back. and if you need motivation to pick up the phone, remember this headline from a couple of years back lol:
DEATH TO CAPITALISM !!!!!!
17K notes
·
View notes