First Convenience Bank, Texas Transaction Rip Off Killeen , Texas

Yes..I am the great "litter bug" for tossing a couple of stinky cold cheeseburgers onto the median of a ghetto LA highway. Guilty as charged. No hiding behind any curtain..I posted this info voluntarily. I am sure the gophers or maggots or ants or rats or whatever that ate the ORGANIC matter..were quite appreciative.

Now why this insane old senile fart thinks any of the following..or the fact that these accusations are a delusion..well observe....

Only in the Land of Roz, is littering not littering, is rambling with 30 page rebuttals and name calling considered debating and having the last post means a win.  LMAO!

I never said littering is not littering. I never posted a 30 page rebuttal. I never said name calling was debating..and I never said having the last word means a WIN. What I have stated, is that if I believe I am right in a debate..I will have the last word..because if you win a debate..you normally have the last word..but NEVER did I imply or state anything this nut case is accusing me of. I have CERTAINLY lost debates..been proven wrong, and have not had the last word. I am the FIRST person to admit that. So where is this nutcase getting his info from??..and what is he basing it on??...let us continue...

The Wonderful Liar (AKA The Cowardly Lyin):

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-in-vineland-nj-mcdo-a22ba.htm

but when I got it the burger was not at all like the picture or as described and it was cold and tasted like old socks and butt wrapped in a stale bun. I didn't want to complain because I figured they would just spit on the burger so I threw it in the garbage.

In the garbage Roz? In your ROR (see above wonderful litterbug) you stated you tossed it out the window.  While you were driving home on a busy street.  According to YOUR McDonalds ROR you didnt even open your burgers until you were driving home!  In this rebuttal you give the impression you were an eat in customer who tossed it in the garbage. If this rebuttal by you is the truth (making your ROR a LIE) me thinks you behaved more like the Cowardly Lyin  LMAO!

Okay..here is a PRIME example of how WRONG this nut case is...click on the first link he left regarding this report...
http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-general-complaint-i-52a25.htm

and the link he left above...
http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-in-vineland-nj-mcdo-a22ba.htm

These are TWO COMPLETELY DIFFERENT REPORTS...LEFT ON DIFFERENT DATES...REGARDING DIFFERENT McDONALDS LOCATIONS..AND DIFFERENT COMPLAINTS.

In his feeble attempt to discredit me and unveil some kind of "imaginary" curtain HE has placed over me..he FAILED to realize he is accusing me of lying...but it is in fact the case..that he being a decrepit old fart and kook..does not have the ability to click on the links HE left here..and can clearly see these are two ENTIRELY separate reports and incidences..one has NOTHING to do with the other..click the links and judge for yourselves. IDIOT!

I am not going to dredge through all these old reports that the crazy old man is posting here for whatever his motives are. But if ANYONE will click ANY of the links the crazy old kook left here..and has ANY question regarding my honesty, integrity or ethics..please, please, please, please address it here...let me know and I will happily respond with reasoning. IF I was wrong or offended anyone undeservedly... I will certainly apologize and post a retraction.

The Wonderful Wizard of Roz!  The Yellow Brick Road winds and climbs through the Land of Roz!  With so many sharp turns, its easy to lose track of the Wizards mighty accomplishments.  Heres a SHORT LIST of the Great and Powerful Wizard of Rozs many conquests!  I hope you have as much fun reading them as I.  When you have time, go to each linked ROR to read the FULL MEASURE of the man behind the curtain!  LMAO!  (Psssst.  Run, Toto, Run!)

Some folks might think these RORs give a good insight to the man behind the curtain!  After all Rozzy, it's all your own postings, your own words, your own hypocrisy and lies.

The Wonderful Litterbug:

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-general-complaint-i-52a25.htm

so I got a couple of bites before tossing the rest again out the window. I hope it doesn't kill any wild animals that find it, although they are probably smarter then me and will smell it and walk away.

When called out for his illegal littering, on a busy road, The Great and Powerful Roz rationalized that he really didnt litter because..wait for it.

Normally "food" would be considered organic and not actually be littering...

Yup!  There you have it!  This is why hes the Great and Powerful  Roz!  Never wrong, always right, always has to have the last word.  The rest of us poor schleps have to live within the laws of our society but not the Great and Powerful Roz!!!

Only in the Land of Roz, is littering not littering, is rambling with 30 page rebuttals and name calling considered debating and having the last post means a win.  LMAO!

The Wonderful Liar (AKA The Cowardly Lyin):

http://www.ripoffreport.com/fast-food-restaurants/mcdonalds/mcdonalds-in-vineland-nj-mcdo-a22ba.htm

but when I got it the burger was not at all like the picture or as described and it was cold and tasted like old socks and butt wrapped in a stale bun. I didn't want to complain because I figured they would just spit on the burger so I threw it in the garbage.

In the garbage Roz? In your ROR (see above wonderful litterbug) you stated you tossed it out the window.  While you were driving home on a busy street.  According to YOUR McDonalds ROR you didnt even open your burgers until you were driving home!  In this rebuttal you give the impression you were an eat in customer who tossed it in the garbage. If this rebuttal by you is the truth (making your ROR a LIE) me thinks you behaved more like the Cowardly Lyin  LMAO!

There you have it folks.  The Wizard of Roz excels at everything, including LYING! 

The Wonderful Author:

http://www.ripoffreport.com/banks/wachovia-bank/wachovia-bank-excessive-overd-844c8.htm

I used to teach at a school and wrote a textbook. I have written for a few publications and a home study course but I have not chosen writing as a profession.

Gosh. You wrote a textbook and yet seemingly know nothing about copyright law! 

The Wonderful Best Buy Associate (aka Best Buy Defender):

http://www.ripoffreport.com/appliances/best-buy/best-buy-best-buy-warranty-fr-95382.htm

Because in my 6 years associated with BesyBuy..

nor do they want to rip anyone off with intent...I feel they are very ethical and may be why they are surviving while places like Circuit City bite the dust...

I guess during your 6 years, you were not aware of the legal troubles Best Buy has had with some States Attorney General; illegally using software (copyright infringement by Geek Squad) and some unsavory business practices (duplicate Best Buy website with alternative pricing higher than what was on the public Best Buy website.)  When customers complained that the in-store price was higher than advertised on the public website, the associate would go online (actually an IN-HOUSE intranet site) to a different website to show the customer that he or she was mistaken!  Real ethical stuff!!!

Yes..I have been associated with this company for six years...including being a district trainer..so i know how it works...

Really?  Does this mean you were party to the copyright infringers?  Did you train Geek Squaders how to use software that Best Buy was using illegally?  Did you help set-up the TWO websites that Best Buy had, or just the in house one that associates showed customers with a HIGHER item price than the public Best Buy website?

I have worked with BestBuys across the nation..and there are different cultures in different locations regardless of SOP.

The Wonderful New ROR Editor:

http://www.ripoffreport.com/doctors/black-hawk-plastic-s/black-hawk-plastic-surgery-dr-abe38.htm

You really have no reason to make this person feel even worse, unless you are getting some kind of satisfaction from it? Or does it just make you feel important or better as a person to belittle victims?, Not very nice now, save that for the bank posts.

Thats our mighty Roz laying into someone who made a rebuttal.  Notice the Wizard of Hypocrisy?  Of course, he doesnt mention how HE treats ROR posters when they complain about Best Buy!  No not at all!

The Wonderful Subway Hidden Tax Finder (AKA thats MY 49 cents!):

http://www.ripoffreport.com/fast-food-restaurants/subway/subway-is-a-5-dollar-foot-lon-9ab86.htm

I was duped. I though it was going to be like Baywatch..but I traverse the streets dodging used condoms and drug bags, homeless beggars abound..I think they charge a fee to enter the 7/11..and instead of fresh ocean air breezes..I get to inhale pollution..feces, and urine smells. The pollution is so bad..

And so it goes!  This was heavy intellectual stuff that the entire world (those of us who are not blessed to live in the Land of Roz) had to know!  As it was, the Great and Powerful Roz actually posted a retractionerwell.sorta.

I would like to submit a "semi" retraction...

A semi retraction?  Is that anything like oops or I was mistaken?  Naw, couldnt be!  This is the Great and Powerful Roz!

The Wonderful Travel Agent (AKA Whats a branded credit card?):

http://www.ripoffreport.com/credit-card-processing-ach-companies/u-s-bank-national-as/u-s-bank-national-association-4b2e2.htm

False advertising comes to mind, which is against the law. If I were in your shoes I would start with a call or letter to the FTC if the bank continues to refuse accountability.

Rozzy is correct about a possible false advertising issue.  Except that any false advertising was made by Aeromexico, not the bank that administers the card.  We all know what happens whenever the Wizard of Roz detects the word bank in a report!

The Wonderful ROR Hijacker:

http://www.ripoffreport.com/banks/us-bank-us-bancorp/us-bank-us-bancorp-rip-off-f3dda.htm

Page after page of Rozzy wasting bandwidth.  A funny read if you have a lot of free time on your hands.  A simple ROR turns into The Wizard of Roz Show as Rozzy hijacks this posting to troll for fights; showing his true colors (and they arent emerald green) once again.  This one is so long it would probably smoke your printer if you attempt to print it! LMAO!

If that wasnt enough heres another example of The Great and Powerful Roz (AKA Chaseboy) hijacking a post!  Troll, troll, troll.

http://www.ripoffreport.com/banks/chase-wamu/chase-wamu-wamu-chase-bank-f225b.htm

The Wonderful Auto-restorer and PayPal/Ebay Defender:

http://www.ripoffreport.com/motorcycles/rebecca-sparks/rebecca-sparks-stephanie-wallo-e9de4.htm

Since this is ONE of my businesses, restoring older cars and selling them via online auction nation and WORLD wide,

I wish ROR would go back to the OLD search format which worked much better!

The Wonderful DC Engineering; 

http://www.ripoffreport.com/utility-companies/txu-oncar-energy/txu-oncar-energy-txu-my-electr-84c86.htm

Although I no longer reside in NYS, and am no longer a licensed electrician for home/industrial in NYS, I was a local 3 union electrician, as was my uncle, and Grandfather. I now specialize in DC engineering.

I guess this would be sorting out the red, black, and green wires in those restored autos!

The Wonderful Radio Installer (AKA Sirius Defender):

http://www.ripoffreport.com/satellite-companies/sirius-xm-radio/sirius-xm-radio-xm-radio-what-ca79d.htm

I am not actually a direct employee of Sirius XM..but I work for a company that sells and installs a lot of them.

Gosh! Is there anything you dont do or havent done?  Oh, I forget-The Great and Powerful Roz!  This must be more of that DC Engineering thing!  Lets see, author, teacher, engineer, auto-restorer, Best Buy Trainer.  Im overwhelmed-NOT.  Its getting harder to believe any of this crap!  LMAO!

The Wonderful Electrical Engineer (and Best Buy Defender):

http://www.ripoffreport.com/miscellaneous-electronics/best-buy/best-buy-warranty-lies-flint-d8fc7.htm

Number two, I am an electrical engineer, and white on the circuit board is a sign of water damage, and green buildup can be mold, or possibly corrosion build up, and this kind of damage is built up over time.

Wow!  From Best Buy associate and trainer to electrical engineer!  Whoooeeeh.  BTW O Great and Powerful Roz, the Best Buy customer stated that the stuff was on the OUTSIDE of the surround sound when Best Buy gave the item back.  No where did the customers ROR state anything about white on a circuit board.  It was white stuff on the OUTSIDE, as well as a water mark, and green stuff on the power cord!!!  But hey, you were too busy defending Best Buy and blaming the customer to even READ the ROR correctly.

This is not the way best buy became such a success.

Of course not.  Neither was the double website caper or the illegal use of diagnostic and utility software!  Yeah, Best Buy is a stand up company.  Go do a search for some lawsuits against Best Buy and read up on their past antics.

The Wonderful Ripoff Report Defender:

http://www.ripoffreport.com/banks/us-bank-us-bancorp/us-bank-us-bancorp-rip-off-f3dda.htm

they most likely will end up here, so it is important that information is accurate and all sides of the argument are offered so the site doesn't come off as a joke or biased, which due to this redundant banter, it may to some.

Now youre the self-appointed defender of ROR!  The reality is that your redundant hypocrisy coupled with your picking for fights POLUTES ROR!  Anyone reading your incessant novellas quickly realizes that your purpose is to provoke conflict under the guise of attempting to debate.  There is no debating with you-you act as a child.   As someone else has told you, its OK if you wish to be a hypocrite, just dont do so and pretend to be one of the good guys-youre not. You troll for a fight and play victim when called out on it. 

Let me know if you need any more reminders of your hypocrisy Roz.

We're off to see the Wizard, The Wonderful Wizard of Roz.
You'll find he is a whiz of a Wiz! If ever a Wiz! there was.
If ever oh ever a Wiz! there was The Wizard of Roz is one because,
Because, because, because, because, because.
Because of the hypocritical things he does.
We're off to see the Wizard. The Wonderful Wizard of Roz.

The last poster "Robert" was probably referring to me when he stated... 

"Now you will probably have some people post that you are still 100% right and the bank is "evil".  They may even come up with excuses as to why the bank is still at fault even though they told you that you had this on your account.  They will probably fill your head with thoughts of various class action lawsuits, and how the banks are changing their policies.  What they won't tell you is that the handfull of lawsuits that went anywhere, got each person enough for about 2 overdrafts.  They also won't tell you that no matter what regulations are put into place.  Nothing can keep you from overdrafting your account if you do not do proper account management."

Well lets break this down and see it if holds and weight.

As far as myself, I will not say that the OP was 100% right, so there is the first misleading statement from Robert.

I also will not say the bank is evil, but some of their tactics are evil, and deceptive. I will not fill anyone's head with "thoughts" of various lawsuits. These lawsuits are NOT thoughts, they are currently in process, another misleading statement by Robert. AND, that it is not a "thought" that banks are changing policies, because many have (I got 2 emails already from 2 different banks I use and a few credit cards as well), and there are law changes going into effect by July/August of THIS year that are forcing the banks to change some policies regarding overdrafting. Chase bank no longer will re-sequence debut card transactions in order to maximize fees in the event of an overdraft and we expect more banks will follow suit. Many banks may have to pay a settlement for doing this in the past.

The reason "they" won't tell you that past lawsuits that were settled resulted in each plaintiff receiving enough for 2 overdrafts, is because the current lawsuit is not over,as a matter of FACT, it has not even went to trial yet. During the dismissal stage however, all the banks defenses were not able to have the lawsuit or parts of the suit dismissed. Robert seemed to FAIL to mention that...hmmm..

This is not to say what the plaintiffs will get back, part all or any, but at the very least it has exposed what the banks have been doing, exposed that some of the tactics were WRONG, and force change. Some banks are already doing this voluntarily, a wise decision.

And I will also tell you, again the opposite of what Robert is implying "they" will tell you, is that you SHOULD properly manage your account properly and responsibly. However, that does not mean you will NEVER overdraft. People do make mistakes, check clearing times can be excessive, unauthorized charges can cause an inadvertent overdraft if the customer does not know about it, as well as merchant holds. Until there are laws in place that prevent any merchant or machine from applying a hold without the customers consent and permission, this is one of several ways a customer can incur an overdraft even though they keep a PERFECT register and account records.

What will help, is when the new laws are in effect and ALL banks and financial institutions must not automatically enroll every customer into overdraft protection. The banks have and will continue to make it seem overdraft protection on your debit card is a good thing and is some kind of "courtesy" they extend out of the goodness of their hearts (if a short term loan at triple and quadruple digit percentage is considered courteous considering many customers did not even sign up for it). To wit by the report here as evidence, the only thing it helped, was the bank to pocket a boatload of the customers money. As well, when ALL banks stop the unnecessary strategy of re-sequencing the order and times of our debit card transactions, even if the customer is enrolled into standard overdraft protection, and fully understands the implications, the change will only allow the bank to apply overdraft fees to LEGITIMATE overdrafts, not to transactions that had the funds available at the time of the transaction.

Is that too difficult for anyone to understand?

I do not "ignore" what these bank defenders say. It is a given that all customers should be careful not to overdraft the account. The only difference in "opinion" between us, is I feel the banks should change some policies as well, and they are. I feel the banks have used deceptions by not disclosing facts about OD protection as it applies to debit card use, and deceptively enrolling customers into this "service"

Now since the OP in this case stated they had overdraft protection and was fully aware the debit card could be used with a negative balance, how can I in all reason say this customer was not at fault in any way? I have not said that, or implied that. It is in the bank defenders minds that they think this. It is not based on any factual statements posted here.

Stop making assumptions Robert. And stop being presumptuous regarding customers that fell for some bank strategies of causing excessive fees when it might have been a human error or misunderstanding, and not just being irresponsible. And most of all, stop being such a provoker of relentless, redundant arguments.

If you, Robert, are only going to state your ONE biased side, and then provoke others who may have some opposing views by stating "they" will only state one side, which "they" have not, then perhaps it would not be so EASY to discredit you.

MY best advice for this customer, is ALSO to be careful with the account so they do not overdraft. And it might not be a bad idea to opt out of OD protection altogether. This way no matter what if the account will be put into negative, and the card can not cover it with the account balance, it will be declined at a point of sale or ATM if the AVAILABLE balance will not suffice, hence NO overdraft is POSSIBLE in this case, and NO overdraft fee will be applied. You will simply have to pay by other means or go without.  Then you have opportunity figure out why the card was declined and fix the issue without being fleeced into the poorhouse by the bank.

Makes sense to me for many customers. And those that are so perfect they believe they can never overdraft under any possible circumstance can either opt into the service if they like, even though they apparently do not even need it, because they seem to believe that the ONLY way to never overdraft, is to keep an accurate register. It is a wise thing to do agreed, but to use additional defenses by not opting in to begin with, and the banks changing some unnecessary policies, THEN you will see a dramatic decrease in overdraft fee related complaints. Actually I have noticed a decrease already since last year, and I notice not a single complaint regarding overdraft fees by those banks and credit unions that did not use similar deceptions and lack of disclosure.

I am not sure exactly you "think" it works.  Because it sounds like it worked exactly as they said it would.  If you don't have the money available in your account for the transaction(s) you can still use your debit card.  As a result you will be assessed an overdraft fee for each transaction. 

When you use your debit card when it is approved they will "hold" the money(pending).  It is not actually posted until the merchant submits the final authorization.  This can be anywhere from 1-3 days.  However, once a transaction is approved, they can no longer decline it.

Now you will probably have some people post that you are still 100% right and the bank is "evil".  They may even come up with excuses as to why the bank is still at fault even though they told you that you had this on your account.  They will probably fill your head with thoughts of various class action lawsuits, and how the banks are changing their policies.  What they won't tell you is that the handfull of lawsuits that went anywhere, got each person enough for about 2 overdrafts.  They also won't tell you that no matter what regulations are put into place.  Nothing can keep you from overdrafting your account if you do not do proper account management.

This means using a register to write down every transaction when you make it.  To never even attempt to spend more money than you have available in the account at the time you attempt to spend it.  Also, to understand your banks funds availability policy.  Doing these three very basic items will almost guarantee that you will not overdraft your account. 

Now, these same people will use terms such as "bank defender" to try and cancel out what is said.  Unfortunatly since they are telling you EXACTLY what you want to hear you will ignore everything else that was said.  But in the end it is up to you to decide which one will actually save you from overdrafting.