Why the Title? Well Its a long story, but we here in America have more to fear that terrorists, its foreign groups scamming our hard earned taxes dollars out of our pockets.
A Few Bucks, no, not a few, Hundreds of Millions, that's right and with the help of? Don't know yet. But wait let me tell my story and maybe you could help me figure it out
Some months ago I opened a small business account at Charter One Bank, you know, the one that claims " Free Checking " boy, are these guys smooth! Mike, my account rep meet with me and seemed like a nice guy, just like any nice salesman. We talked and he told me I didn't need any thing special to open a business account, unlike those other banks and since I didn't get my Federal Ein number yet, it sound good.
He told me my checks would clear the same day that I deposited them and if my balance went a little over, they would cover it with their over draft protection. He told I can play at the end of the month, it was like credit. So, I opened my account with 2 checks for 500...
Months go by, But wait, let me go back a little again
After a few weeks I start to notice things, unlike other banks I had in the past, you know the ones, where you get gas from the corner gas station, run home and go on line and see your transaction done, showing you the date, place, time of day and sometime even the weather conditions. Not Charter One, They took so long I even forgot making the transaction (Scam tool number one)
So I ask Mike, Mike you told me my checks would clear the same day!
Mike SEZ, you have to be a member for one month.
So I ask Mike, How come it take so long for my deposits to show?
Mike SEZ, I never noticed any delay?
OK, I wait the month, and one day and make another deposit and ask the teller " will this clear today
Teller SEZ, Oh! No it takes 5 days and if you want it faster you have to ask, check by check! Really?
OK WHAT DOES THIS HAVE TO DO WITH MILLIONS, Get to the POINT!!!
OK I ask Mike, mike you told me...
Mike sees, Well this is better for you, that way the checks will clear, but mike you told me...???
Side Bar, Short Story. A few weeks ago my fund were getting low, so I went to my ATM and it said I had 88 dollars, Ok so I wait 3 days and pull out a 20, then some more money, now I'm not sure how much I had but wanted to surprise my wife with her favorite food, Borch! I got my food and used my ATM Card for 8 dollars, when next day 5 dollars, next day 6 dollars, next 9 dollars, next 3 dollars, Card worked every time, no PrroblemOO!!!
Two Days later I get a check for 90 and go down to the bank, with a smile on my face deposit my check, the teller give me a receipt and to my surprise it shows I have 435.00 dollars in my account, can be, I cant have more than 10 or 20. I go back to inform the teller that there was a mistake, he checks with his super and she tells him it is 435, Negative 435.00...
WHAT, WHAT A WHAT A A WHAT... Are you GUYS out of your MINDS. Are You sniff GAS What what???
I see mike the next day, it was the last straw with these bottom feeders, they could not even find the certified check I deposited the previous day, I have to go home and return with my receipt to re-record my deposit. Some bank???
Remember the Millions
Ok heres the Scam
Charter one locates it banks mostly in low income areas, people on a fixed income. Places where refuges relocated. Charter one admitted to me they make most of their profits from some type of penalty, my 40 dollar over cost me about 500 so far.
My area has had a lot of refuges move in, from Russia and Bosnia, people who cant speak English, all of them I meet are great people and since my parents migrated to this country 50 years ago to escape the devastation caused by the war, I can identify with them. People coming to American, good people looking for a good place to raise their families. They give them a ATM Card and 5 to 7 day delay on post balances. Getting a picture yet!
Oh they are not the one scamming this country, Its politicians and lobbyists and people in 800 dollar Three piece suits.
Ok, the refuges get a fixed income from our government, Retied folks get pensions and fixed Social security checks they open a checking account, they can speak English much less read a book of rules in English, oww, sound like a class action suit, don't it! Please! Let me live long enough to be there.
Since It hard enough for me to keep track of money with an ATM Card imagine if you don't know the currency or your rights, they just write it off as part of the American process.
I know, your saying Ok If they can't keep track of their money they should lose it. Not fair and not true... Wrong again!
Who do you think owns Charter One Banks, OK, Their owed by some one like Citizens Financial Group, still sound American, but like Paul Harvey says, Now the rest of the story.
Charter one is indirectly own by the Bank of Scotland, nothing against the Scots, just Scottish bankers. Don't forget the people that let this happen, who are smarter about banking than I am, Who knew it was a scam and looked the other way. Which potiticals or legislators got free vacations and plane trip on your tax dollars, count your change, it might be all you will have left. The only thing American left, is baseball bats, or shafts as they are called in some countries.
Well I'm going all the way to the top and get them were it hurts, publicizing the truth, Wasyl
...
Why the Title? Well Its true but a long story, but we here in America have more to fear that terrorists, its foreign groups scamming our hard earned taxes dollars out of our pockets.
A Few Bucks, no, not a few, Hundreds of Millions, that's right and with the help of? Don't know yet. But wait let me tell my story and maybe you could help me figure it out
Some months ago I opened a small business account at Charter One Bank, you know, the one that claims " Free Checking " boy, are these guys smooth! Mike, my account rep meet with me and seemed like a nice guy, just like any nice salesman. We talked and he told me I didn't need any thing special to open a business account, unlike those other banks and since I didn't get my Federal Ein number yet, it sound good.
He told me my deposited checks would clear the same day that I deposited them and if my balance went a little over, they would cover it with their over draft protection. He told I can play at the end of the month, it was like credit, sounded good to me.
So, I opened my account with 2 checks for 500...
Months went by
But wait, let me go back a little again
After a few weeks I start to notice things, unlike other banks I had in the past, you know the ones, where you get gas from the corner gas station, run home and go on line and they show you your transaction done, showing you the date, place, time of day and sometime even the weather conditions. Not Charter One, They took so long I even forgot making the transaction (Scam tool number one)
So I ask Mike, Mike you told me my deposited checks would clear the same day!
Mike SEZ, you have to be a member for one month.
So I ask Mike, How come it take so long for my deposits to show?
Mike SEZ, I never noticed any delay?
OK, So I wait the month, and one day and make another deposit and ask the teller " will this clear today?
Teller SEZ, Oh! No it takes 5 days and if you want it faster you have to ask, check by check!
I sez, really?
What does this have to do with millions, get to the point!!!
OK, OK
I ask Mike, mike you told me...
Mike SEZ, Well this is better for you, that way the checks will clear,
I SEZ, but mike you told me...???
Side Bar, Short Story..
A few weeks ago my fund were getting low, so I went to my ATM and it said I had about 88 dollars, Ok so I wait 3 days and pull out a 20, then some more money, now I'm not sure how much I had but wanted to surprise my wife with her favorite dinner! I got my food and used my ATM Card for 8 dollars, then the next day 5 dollars, next day 6 dollars, next 9 dollars, next 3 dollars, Card worked every time, no PrroblemOO!!!
Two Days later I get a check to deposit from a customer for 90, and go down to the bank to deposit it, with a smile on my face I deposit the check. The teller give me a receipt and to my surprise it shows I have 435.00 dollars in my account, can it be, I cant have more than 10 or 20? I go back to inform the teller that there was a mistake, he checks with his super and she tells him it is correct, 435, thats Negative 435.00...
WHAT, WHAT A WHAT A A WHAT... Are you GUYS out of your MINDS. Are You sniff GAS What what???
Yes they cover my checks for 8 and 6 and 5, but charged me 33.00 per check and 33.00 every 4 days my account was negative. I told them to close my account, stop the bleeding, sorry 33 dollar every 4 days, that's over 1300.00 dollars in penalty fees for 43 dollars in overdraft at a electronic ATM. That's a small a small addition to a house, a used caravan, a super fast new computer with 21 inch screen, DSL, 200 gig hard drive, 6000 rolls of super white HP paper, for 43 dollars.
I see mike first thing in the next morning, he told me my last deposit was 2 weeks ago, it was the last straw with these bottom feeders. They could not even find the certified check I deposited the previous day, I have to go home and return with my receipt for them to re-record my deposit. Some BANK???
Remember the Millions...
Ok heres the Scam
Charter one locates it banks mostly in low income areas, people on a fixed income. Places where refuges relocated. Charter one admitted to me they make most of their profits from some type of penalty, my 40 dollar over cost me about 500 so far.
My area has had a lot of refuges move in, from Russia and Bosnia and other countries. These are people who cant speak English, all of them I meet are great people and since my parents migrated to this country 50 years ago to escape similar devastations caused by wars, I could identify with them. People coming to American, good people looking for a decent place to raise their families. They give them a ATM Card and 5 to 7 day delay on post balances. Getting a picture yet!
Oh they are not the only ones scamming this country, Its politicians and lobbyists and people in 800 dollar Three piece suits.
Ok, remember some of the refuges get a fixed income from our government, Other targets are retired folks who get pensions and fixed Social security checks. Remember, the older we get the more we lose track.
These folks open a checking account, some can barely speak English, much less read a book of rules in English.
Ooww, sound like a class action suit, don't it!
Please! Please! Let me live long enough to be there.
Since Its hard for me to keep track of money with their flashy new ATM Card and and imagine if you don't know the currency or your rights, they just write it off as part of the American process.
I know, your saying Ok If they can't keep track of their money they should lose it. Not fair and not true... Wrong again!
Who do you think owns Charter One Banks, OK, Their owed by some one like Citizens Financial Group, still sound American,
but like Paul Harvey used to say
Now the rest of the story.
Charter one was bought out by Citizens Financial Group. Citizens Financial Group is owed by of the largest foreign-owned banks in the country, Citizens Financial Group is the US banking arm of Royal Bank of Scotland (RBS)., nothing against the Scots, just certain Scottish bankers.
None of which is regulated by the New York State Banking Department, Why not, Part of their mission statement Reads to educate and protect consumers
Why do we pay State taxes. Who care if the feds are protecting my money in this bank, What money?
Less we forget the people that let this happen, you know the ones I'm talking about, the ones who are smarter about banking than we are, the ones who knew it was a scam and looked the other way. Which politicians or legislators got free vacations and trips on your tax dollars. Count your change, it might be all you will have left.
I decided to educated my self and the people in my area more about these people who suck the life out of anything decent left in this country, Make these guys go home, they are giving banking a bad name!!!
Thanks WZ
0 comments