Anyone need a kidney?
Will update on my hunger thingie later today. Right now have to sell my body!
Saturday, March 6, 2010
Thursday, March 4, 2010
I Was Right And He Was Dilligent
Before reading this post, I suggest you read the one preceding it if you have not done so already.
(Updates To This Post Follow Text)
My Hunger Strike Continues!
Ok..here is the latest. Upon review the rep from P.N.C. found that what I had stated was correct. That being, my deposit, had it been allowed on Friday, would have covered all incoming charges as well as the $50.00 that deposited on Monday. Those overdraft fees...*FLICK*
That left a balance of $33.00
I withdrew $25.00 leaving $8.00 behind, so I could get some gas and stay warm.
Turns out there was on charge that had not posted yet, from Shell Oil, for $15.00. Shell only takes $1.00 at the moment of sale, gets it all later. I knew that already, but thought it had reconciled already. If my laptop were still alive, I would have seen what' was what. Had I not taken the 25 or only taken 15, I'd have been fine.
I was seven dollars short.
S E V E N D O L L A R S S H O R T !
For that, I am charged:
$36.00 over draft fee. That's 5 TIMES more than the amount!
$7.00 per day for up to 14 days the account is over. And that fee is PER INSTANCE. Meaning should I have had 2 items come up short, it would be $14.00 per day, etc. (The fee used to be $4.00 per day up to 3 or 4 days)
I'd get better terms from a loan shark. Someone give "Knuckles" my email address.
This is usury by proxy, using the term "fees" instead of interest. Whether your a billionaire or a bum, this is unfair and egregious, nee OUTRAGEOUS!
In a time of a real unemployment percentage near 18%, and folks doing their level best to stay above water, this fee system is particularly callous. And in fairness, it's not just P.N.C. These banks got bailed out or rewarded with tax dollars, only to turn around and change their policies and fees to the detriment of the customer...the tax payer.
PNC has cut back hours, now charge for many services done via phone, while offering a glowing assessment of their operation. The added service fees hits those who are less than computer comfortable hardest. Do the action online, free. Need someone to do it for you, pay up.
How many of you have older, seasoned, relatives that can't do email, let alone online banking?
I sought advice of counsel on my actions and he told me to "Stay the course".
So be it.
Since I began my hunger strike, I have had a LOT of coffee, a few saltines, and 1/2 a buttered roll. The roll was over the course of 2 days.
Ok..here is the latest. Upon review the rep from P.N.C. found that what I had stated was correct. That being, my deposit, had it been allowed on Friday, would have covered all incoming charges as well as the $50.00 that deposited on Monday. Those overdraft fees...*FLICK*
That left a balance of $33.00
I withdrew $25.00 leaving $8.00 behind, so I could get some gas and stay warm.
Turns out there was on charge that had not posted yet, from Shell Oil, for $15.00. Shell only takes $1.00 at the moment of sale, gets it all later. I knew that already, but thought it had reconciled already. If my laptop were still alive, I would have seen what' was what. Had I not taken the 25 or only taken 15, I'd have been fine.
I was seven dollars short.
S E V E N D O L L A R S S H O R T !
For that, I am charged:
$36.00 over draft fee. That's 5 TIMES more than the amount!
$7.00 per day for up to 14 days the account is over. And that fee is PER INSTANCE. Meaning should I have had 2 items come up short, it would be $14.00 per day, etc. (The fee used to be $4.00 per day up to 3 or 4 days)
I'd get better terms from a loan shark. Someone give "Knuckles" my email address.
This is usury by proxy, using the term "fees" instead of interest. Whether your a billionaire or a bum, this is unfair and egregious, nee OUTRAGEOUS!
In a time of a real unemployment percentage near 18%, and folks doing their level best to stay above water, this fee system is particularly callous. And in fairness, it's not just P.N.C. These banks got bailed out or rewarded with tax dollars, only to turn around and change their policies and fees to the detriment of the customer...the tax payer.
PNC has cut back hours, now charge for many services done via phone, while offering a glowing assessment of their operation. The added service fees hits those who are less than computer comfortable hardest. Do the action online, free. Need someone to do it for you, pay up.
How many of you have older, seasoned, relatives that can't do email, let alone online banking?
I sought advice of counsel on my actions and he told me to "Stay the course".
So be it.
Since I began my hunger strike, I have had a LOT of coffee, a few saltines, and 1/2 a buttered roll. The roll was over the course of 2 days.
As best I can be, I am dug in. No cash in my pockets until next week as of this writing, and very little gas. But dug in, I am.
You want to help? Here's How:
Send this blog to everyone you know and ask them to read and pass along as well.
Email the link to the following with a message you are sympathetic to my point of view. You may not feel for moi, but at least the points I make here. The emails are:
mailto:brian.goerke@pnc.com mailto:frederick.solomon@pnc.com Corp. Communications
Thanks for reading and your good thoughts.
Until next time...
UPDATE 03/05/10 9:41 A.M. DAMN cold last night in the Conversion Van Of Wonders. I ran out of gas around 1 A.M., thus heat was non-existant. Fortunately, I had pulled into a gas station and the young man pumped in $5.00 which lasted for a little while. Ran out again around 5 A.M. Again, was given some to stay warm at least for a while.
I can't blame this on P.N.C., so I'll take a page from our President's Excuse Prompter List.
I Blame Bush!
I am being interviewed by a local paper this afternoon. They saw the blog mentioned elsewhere and wanted to do a story. They offer an online edition and I will post a link when published.
A special thanks to Belinda who sent me some funds this morning via Western Union. The instant cash helped GREATLY!!! And again, thank you to all who sent funds via PayPal from http://u2unews.com/ . I will be depositing those this coming Wednesday.
Last but not least, I want to point out that the rep from P.N.C. was quite personable, professional, and worked diligently for me as much as he could within the bank's rules. I thank him for his efforts.
UPDATE 03/06/10: Discovering the effect prolonged fasting has on my gastro intestinal system. Interesting and unpleasant. 'nuff said 'bout that!
I was feeling dizzy and weak last night, so I did eat a 1/2 a bologna sandwich. I figured health food would be best, so that was my choice. Taking the weekend off from blogging about this and returning to the fight on Monday. Please feel free to send a link to here and encouraging your friends and family to follow and spread the word. I will be composing an open letter to P.N.C. Bank for posting here on Monday.
Enjoy your weekend.....
Tuesday, March 2, 2010
PNC Bank..I have had it!!!! " The Homeless Advisor Meets Ghandi"
TOP POST UPDATE:
Been a helluva day! I am 53 hours into the hunger strike. I had a LOT of coffee and maybe a dozen saltines to take the edge off. However, about 5 A.M. this morning I ran out of gas and was stuck outside a convenience store that had an electrical problem, keeping me from at least listenning to the radio. Suffice to say, the day sucked.
When I checked my balance yesterday it was +$8.00. This morning -$155.00 and I have yet to see what happened. I prefer not to access my banking info on a public P.C. I will detail what's what tomorroow. How I got gas is kinda interesting. As I said, I was outside this store since around 6 A.M. And throughout the day, the owner of the house kitty corner kept checking up on me. The final time being after dark and pulling his car RIGHT in front of me, headlights in my eyes, then looping back to his house.
So I am hanging inside the store when he comes in asking if the clerk knew who.."..owned that strange van that has been here all night and day..". I raise my hand. I explain my situation, and how until Aug. I had lived in the 'hood for 27 some odd years. He said he had people who had threatened to kill him and thus, has a "unique" interest who hangs around. I explain I am out of gas and cash, and he says he has old gas removed from lawn mowers over the years. He said he didn't know if it would work in the Conversion Van Of Wonders. I said, let's give it shot.
After a clumsily performed emptying of the gas into the van, and a few false starts, voila! I'll have heat this evening. BUT...the same amount of gas as last night, so I have to figure something out.
But I digress....
Tomorrow I will resume my hunger strike and this truly be outside my home branch of P.N.C. Hopefully have more details for you all.
To those who have contributed, THANK YOU!!!! It's in my PayPal and will stay there for the time being. All P.N.C. would do is apply to penalties, and I would rather it not go in that direction.
So, keep warm thoughts for me and see you all on the morrow.
Until next time...
Updates Below Main Text And Video:
As of today, I am literally penniless. I have less than 1/8 tank of gas. And still in the throes of winter.
Despite having made a deposit before some charges reconciled, PNC has hit me with nearly a dozen overdraft fees of $36.00 a piece! Understand, I am a fan of the capitalist system we have here. Quite conservative to the core. That being stated, I expect fairness to be a principle in all of that. I just did many years of battle with my former mortgage company for the same reasons.
PNC will charge $36.00 even if the overage is $3.00. Any deposit made after 3 P.M. is credited on the next business day, but a charge coming in up to midnight that evening will be posted and charged that same day. PNC has a policy that if you can get to a branch before close of business, or an ATM with a cash deposit by 10 P.M., you will avoid charges, Thing is, they will hold and then post charges AFTER 10 P.M. thus they hit you with a fee. I have tried the ATM option and found the money was credited 2 days from the date deposited, thus....a fee.
It's happened to me for the last time!
I will be parked outside the PNC branch at The Village Green, Rt. 46 West, in Budd Lake, New Jersey on a hunger and heating strike. Won't eat,will only drink water and coffee and won't run the car. I am 54 years old with a heart attack under my belt, have not eaten since 1 P.M. Monday, March 1st and just endured a night of sub 30 degree temps. The only thing that may prevent me from being there is running out of gas between the library and PNC. I want my money and for PNC to get fair about things!
Bob The Van Eating Dog will not be participating in the hunger end of things. He has food and plenty of van left to munch on.
PNC received T.A.R.P. (Troubled Assetts Recovery Program) funds even thought they did not need them. Said funds went into purchasing another bank. PNC has cut back significantly the hours of operation at their 800 line. PNC is charging fees for nearly any transaction one of the telephone support people perform for you.
Let me clearly state my issue is NOT with the rank and file proletariot at PNC. For the most part, the staff have been very pleasant, personable, and did their best to help me. Any issues I have had, have been with upper management. One even "scolded" me for being addressless and was very condescending. The issue remians PNC's unbalanced way of doing thingts. Even Bank Of America who is notorious for beating up on customers is fairer areas in these regards than PNC.
So, if in the area stop by and kindly pass this posting along to anyone you can think of. Hopefully will be posting more video soon. Who knows if this will make a difference or not. We'll see. I just had to do something.
UPDATE 1: The bank had a rep call me and we went over a few things. He has reimbursed a few of the charges, with more hopefully to follow. It still isn't addressing the fundamental unfairness of the clock PNC uses. So...still on the campaign.
Been a helluva day! I am 53 hours into the hunger strike. I had a LOT of coffee and maybe a dozen saltines to take the edge off. However, about 5 A.M. this morning I ran out of gas and was stuck outside a convenience store that had an electrical problem, keeping me from at least listenning to the radio. Suffice to say, the day sucked.
When I checked my balance yesterday it was +$8.00. This morning -$155.00 and I have yet to see what happened. I prefer not to access my banking info on a public P.C. I will detail what's what tomorroow. How I got gas is kinda interesting. As I said, I was outside this store since around 6 A.M. And throughout the day, the owner of the house kitty corner kept checking up on me. The final time being after dark and pulling his car RIGHT in front of me, headlights in my eyes, then looping back to his house.
So I am hanging inside the store when he comes in asking if the clerk knew who.."..owned that strange van that has been here all night and day..". I raise my hand. I explain my situation, and how until Aug. I had lived in the 'hood for 27 some odd years. He said he had people who had threatened to kill him and thus, has a "unique" interest who hangs around. I explain I am out of gas and cash, and he says he has old gas removed from lawn mowers over the years. He said he didn't know if it would work in the Conversion Van Of Wonders. I said, let's give it shot.
After a clumsily performed emptying of the gas into the van, and a few false starts, voila! I'll have heat this evening. BUT...the same amount of gas as last night, so I have to figure something out.
But I digress....
Tomorrow I will resume my hunger strike and this truly be outside my home branch of P.N.C. Hopefully have more details for you all.
To those who have contributed, THANK YOU!!!! It's in my PayPal and will stay there for the time being. All P.N.C. would do is apply to penalties, and I would rather it not go in that direction.
So, keep warm thoughts for me and see you all on the morrow.
Until next time...
Updates Below Main Text And Video:
As of today, I am literally penniless. I have less than 1/8 tank of gas. And still in the throes of winter.
Despite having made a deposit before some charges reconciled, PNC has hit me with nearly a dozen overdraft fees of $36.00 a piece! Understand, I am a fan of the capitalist system we have here. Quite conservative to the core. That being stated, I expect fairness to be a principle in all of that. I just did many years of battle with my former mortgage company for the same reasons.
PNC will charge $36.00 even if the overage is $3.00. Any deposit made after 3 P.M. is credited on the next business day, but a charge coming in up to midnight that evening will be posted and charged that same day. PNC has a policy that if you can get to a branch before close of business, or an ATM with a cash deposit by 10 P.M., you will avoid charges, Thing is, they will hold and then post charges AFTER 10 P.M. thus they hit you with a fee. I have tried the ATM option and found the money was credited 2 days from the date deposited, thus....a fee.
It's happened to me for the last time!
I will be parked outside the PNC branch at The Village Green, Rt. 46 West, in Budd Lake, New Jersey on a hunger and heating strike. Won't eat,will only drink water and coffee and won't run the car. I am 54 years old with a heart attack under my belt, have not eaten since 1 P.M. Monday, March 1st and just endured a night of sub 30 degree temps. The only thing that may prevent me from being there is running out of gas between the library and PNC. I want my money and for PNC to get fair about things!
Bob The Van Eating Dog will not be participating in the hunger end of things. He has food and plenty of van left to munch on.
PNC received T.A.R.P. (Troubled Assetts Recovery Program) funds even thought they did not need them. Said funds went into purchasing another bank. PNC has cut back significantly the hours of operation at their 800 line. PNC is charging fees for nearly any transaction one of the telephone support people perform for you.
Let me clearly state my issue is NOT with the rank and file proletariot at PNC. For the most part, the staff have been very pleasant, personable, and did their best to help me. Any issues I have had, have been with upper management. One even "scolded" me for being addressless and was very condescending. The issue remians PNC's unbalanced way of doing thingts. Even Bank Of America who is notorious for beating up on customers is fairer areas in these regards than PNC.
So, if in the area stop by and kindly pass this posting along to anyone you can think of. Hopefully will be posting more video soon. Who knows if this will make a difference or not. We'll see. I just had to do something.
UPDATE 1: The bank had a rep call me and we went over a few things. He has reimbursed a few of the charges, with more hopefully to follow. It still isn't addressing the fundamental unfairness of the clock PNC uses. So...still on the campaign.
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