Not too much worried about fancy features and such, but they are nice to have…

I am currently with M&T Bank (They Originate from Buffalo, NY), But most ALL of the Customer Service People I speak to with them are rude or uptight and impersonal, and treat me like I am a child, just because I am young….I am young but I am not stupid!

I am just curious if Wells Fargo is any different now?
Has things gotten worse or better with them since they took over Wachovia?

(I believe that’s what they did) But I can still access https://www.wachovia.com/ What is that about?
The Wachovia Bank Branch closest to me changed to Wells Fargo…

Is there still Wachovia Branches in some parts of the Country that Wells Fargo Did Not Claim and Take Over?

I am looking for better customer care people that are more understanding and don’t treat me like a little kid… A little more customization, (maybe like a custom check card or something) and when I call the 1-800 or 1-888 number to the Bank, I Want the System to Speak to me the Date, Purchase Amount, and the Name of Merchant where I bought the Item in question…

NOT Like M&T’s System where it only tells you the Date and Purchase amount, which leaves me trying to dig through receipts at the same time while their Automated System reads off the Date & Amount of the Purchases)…

Also, with M&T if I buy something using my Check Card for Example on Sept 4th, and the Money is TAKEN on the 4th, and the Merchant’s Receipt state’s the 4th, the toll free # and the Online Banking With M&T Will Show that I made that Purchase on the 5th…..

And sometimes if it was the 4th I made the Purchase, it will show that I made that Transaction on the 3rd…

And they have NO Explanation for me as to why this is, except one, and that is "It depends on the Merchant (Where I used my Check Card) as to when the money is posted or debited or credited OUT of your account…And I stated back to them, "so you are saying ALL places, for Example, Wal-Mart, Boyers Food Markets, And Even Their own ATMs are wrong? I can withdraw 0 from my account this past Thursday at 11AM and look right away on my Online Banking and it will show I withdrew that money on Friday….

ANOTHER THING About M&T Bank, They CHARGE You if you use Debit to Purchase Items rather then the Credit Option (Every Single Purchase 50 Cents in Their Pockets)

(It’s not a big fee, but it’s the point) 50 cents anytime I decide I need to get into the store get what I need and Check out Quickly on a Busy day so I can be on my way…

And when I use my PIN and use my Card as a Debit, they frequently leave me e-mail on M&T Online Banking saying I should no do that so often, and I should always use Credit rather then Debit…

Sorry, but IF I’m at a Gas Pump and gotta use my Check Card to fill up, I am gonna punch in my PIN Number so the money is taken right away out of my account, instead of a hold/freeze for up to a week (and sometimes over 1 week) before the money is taken from my account….

I "had" Bank of America and liked their Setup, their 1-800 automated system works pretty well, it speaks out the Name of where you bought your item, Date and Purchase Amount which is nice, in case you do not have mobile web or access to a Computer to see who the Merchant was and when and all of that…

So biggest concerns, looking for a Stable Bank, Hopefully that has Branches Nationwide, Decent Customer Care & Possibly 24 Hour Customer Care, a little bit of customization (with Bank of America I had a Military Check Card to Support our Military Armed Forces) And a Bank that won’t Charge me if I wish to use my Card as a Debit Purchase…

Ideas, Opinions, Your Story About the Bank You Use Are ALL Helpful in my Decision and are Greatly Appreciated!! I Live In Pennsylvania, so it would have to be a Bank that covers my State…

Thanks if you read this far, PLEASE give me a few moments of your time and tell me your Opinion and your Story about a Bank you think is Decent and you Trust…

I closed my Bank of America account because last I looked, their finances aren’t looking too great…

I Cannot Go With a Credit Union just yet Because my Credit Rating isn’t the Greatest…

Also I really don’t wanna go with a Credit Union cause they don’t normally have Branches Nationwide….

Like I said above, Please if you read this far, share your story with me, and tell me about a bank you have or know of that your trust and treats you well and has branches nationwide…

Thank You!!

Technorati Tags: amp, automated system, buffalo, customer care, customer service, customization, fancy features, fdic, little kid, money, receipt, receipts, reliability, s system, wachovia, wachovia bank, wells fargo

"We’re sorry, but payment from your bank account was not authorized and thus we are unable to process your order. This determination was based on information provided by TeleCheck Services, Inc. ("TeleCheck"). To protect your privacy, TeleCheck did not provide any financial information to Amazon.com during the authorization process.

We will need to receive valid payment information from you within 3 days, otherwise your order will be canceled. Follow these steps to submit your new or updated payment information for this order (they showed the steps after that)

You have the right under the Fair Credit Reporting Act to know the information TeleCheck used to make a determination regarding your bank account. If you find that any information TeleCheck used in its decision is inaccurate or incomplete, you have a right to dispute it with TeleCheck.

You may call TeleCheck toll free at 800-366-2425, or write to TeleCheck Services, Inc., P.O. Box 4513, Houston, TX 77210-4513.

If you contact TeleCheck, please provide the following information so they can respond promptly to your request:
* Full Name * Driver’s License Number and State
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* Checking Account Number * Name of Financial Institution"

heeelp.
i have enough money

Technorati Tags: amazon, check draft, checking account, credit reporting act, current address, date of birth, email, fair credit reporting act, financial information, financial institution, home telephone, houston tx, merchant name, money, ps3, social security, social security number, telecheck services inc, telephone number

Order Status
Your Results:
Your order is being processed.
Your order has been approved. As soon as it is processed, we will send you an email with shipping information and a tracking number.

So I am pondering does it take so long to ship? Am I going to receive my cellphone? FedEx is the shipping agency that ships their (MetroPcs) cellphones.

So please I need online ordering advice. Since I am not accustomed to regularly online orders.

Technorati Tags: cell phone, credit card, email, fedex, metropcs, shipping agency, ships

Plan:( we usually receive 00-00 in income taxes FED and 7 State, Husbands pay check 00 monthly even)
1) File for bankruptcy after I get my income taxes.(Filing for bankruptcy can cost in between 0-00per person if filing separate or 0-00 if filed together and we have someone who owes us money who is going to pay for out credit counseling courses and test, still no where close to what he owe us).We are filing it together.We would be filing for Chapter 7 Bankruptcy.
2)My husband and I would then open up a secure loan at the amount of 00 each that has a 6.9% interest rate and fees.
3)Now that all of the numbers have been ran, it is going to cost 04.11 per person to pay off the secured loan ( I figure we just open up a savings account, each, with the loan and put in 4.11 per person to cover the cost) and make automatic payments from said savings account for 1 full year. As I am sure every one knows the longer the on time payment history is the better credit rating you will receive. ( I figure we will need to do this for 5 years)
4)Take my husbands pay check and open 2 secured credit cards per person for 0 each with an interest rate at 1.5% .(only so low because it is secured, We both have terrible credit)
5)Turn around and pay our monthly bills with the card( bills and monthly hygiene products equal up to 2 monthly without paying off debt,we won’t have any more.)
6)Turn around again and pay off the cards with his pay check (our parents each said that they will give us 0 to pay for our 1st months bills free and clear as long as I finish school , so 00 cash total.)
7)Do this for 5 years while putting the released funds from the secured loan in a separate saving account at the end of each year for a house down payment(,000 plus interest)
8)Now 1 year after we set this up we will have 2 children, 1 will be 6 the other will be almost a 1.I will be finished with my G.E.D. education, Already started college( I found out the you can still get grants if you file for bankruptcy, they even have grants for people and student who have filed for bankruptcy,so my friend was wrong.)So now I can start saving for my children college,I chose the Gerber Life College Plan, I can pay 06.12 annually from my income taxes so that they will have a fair amount to get them started(I am only getting ,000 per child).
9)Still 1 year after plan started, use the some of the money form my taxes to open up a life insurance policy for the family, I chose 1 for 0,000 and is 2.09 a year(,000 per person).
10)Still 1 year after plan started, put the rest of our income taxes (about 07.68) every year for 4 year in our saving account for the house down payment(a total of 030.72 plus interest)

Ok so about 6 years into the plan we will have about ,000 in savings for a home, a credit score of at least 700 FISO (each), a good size life insurance policy for the family, a college graduate, A working college fund for our children, and an eye out for a modest home.

So my question is, Will my plan work if we stick to it? Oh yeah take in affect my hubby isn’t going to be unemployed forever and neither will I.

Technorati Tags: automobile, car insurance, cell phone, chapter 7 bankruptcy, credit counseling, education, filing for bankruptcy, financial planners, food stamps, income taxes, initial property value, insurance, insurance bills, interest rate, job, liquidation, medicaid, phone cable, strict diets, unemployment