Dear SunTrust,
Posted on February 22nd, 2017 @ 4:12 pm

You know the old saying – “It’s not you; it’s me.” Well, in this case, it’s not me; it’s you.

You see, my dad has banked with SunTrust since about 1982. He was a married solider stationed at Ft. Gordon, GA, and he and my mother needed a new bank account. As far as I was told, they originally banked with Georgia Railroad and Banking Company, but didn’t like their service. So, when they decided to switch banks, they went with Trust Company of Georgia.

Don’t believe me? I found this today at my dad’s:

 T24 ATM card envelope

It’s his T24 ATM card envelope. It’s got to be a good 23-24 years old.

When I got my first checking account, in 1999 as a 20 year old kid, I opened one at SunTrust , because I thought I should bank at the same bank as my parents. When I got my first car loan in my name, I went to SunTrust, first, to get a loan. When my grandfather died, my parents paid the loan off several months early. When my dad needed a loan after my mother died, he went to SunTrust. I paid that loan off, early, too. And when I started working at my college, I opened a second account at Bank of America, but I never did leave you because I considered you my primary bank. When all the banks decided back in 2010 to start charging customers a few to use their debt cards, I stayed with SunTrust and left Bank of America. The reason I stayed at SunTrust is that my dad and I shared his account. And it was a pretty wonderful account, too. So wonderful, that SunTrust no longer offered all the benefits he got. And due to that account, he wasn’t going to be charged the $5.00 debit card fee my account was going to be charged.

Funny, how after all that outcry, you, Bank of America, and nearly all the others dropped that $5.00 fee. The damage was done. I left Bank of America for USAA.

I even have my mortgage through SunTrust. That’s how loyal I’ve been to your brand. You were the first people I went to.

However, around the end of 2013, my dad’s account was a victim of fraud. Thankfully, you fixed it, quickly, but as a result of it, my dad’s 30 year old account had to be closed. He lost all those perks with the account. It sucked, but it was what it was. We opened another account to replaced the compromised account.

But, after how we have been treated since the beginning of the month, I’m leaving and so is my dad. Your actions have caused us to moved our deposits to another bank and we will close our SunTrust accounts when our financial situation is no longer in limbo.

Back around the 8th and 9th, my dad noticed someone was trying to set up an account on PayPal using my dad’s bank account. This should have been a red flag to you. When he reported it to the bank, you just said to watch it.

When we came to you on the 13th and 14th about bank account mentioned in the last paragraph, AND the savings account, I tweeted this in frustration:

And these are the replies I got:

I don’t like the implication that it’s OUR fault our account got hacked. Everyone working at your bank is wanting to place the onus on me. Well, that’s not helpful when I stressed out about this breach of security. I’ve had to visit a SunTrust branch 3 times in the past week, plus losing 2 days of work, to try to get a resolution. And not only that, but you ALSO messed up a third account of ours when it was originally 2 accounts that had the fraudulent charges.

For your information:

My computers have a virus scanner and system on it. I don’t log in via bogus e-mails. I log in directly via your iPhone app or No e-mails from the bank are accessed by my father.

So, yes, this is stressful. I don’t like being dismissed when I see a problem. In my honest opinion, I am of the belief that SunTrust was hacked. The scary thing is that I don’t think you are aware. Or you choose to be ignorant.  Take your pick.

Not only have we reported this issue to SunTrust, I called PayPal about these compromised accounts. They told me HOW the thieves got my money from SunTrust via PayPal. I’d think SunTrust would want this information. And each time, SunTrust’s answer is “We have excellent security.”

I call BS on that. One of the persons I spoke to at PayPal said I wasn’t the first person and she’d had several persons call in to report fraud via SunTrust. And I’ve seen several tweets related to fraud (not PayPal, but fraud in general):

SunTrust’s reply: I can’t rely on someone from PayPal and people from Twitter. Their remarks as irrelevant to my case.

No, SunTrust, while the tweets are irrelevant to my specific case, the comments from PayPal and the Tweets in general show an OVERALL problem that your people do not want to observe. They rather Vancome Lady me.

So, you see, SunTrust, it’s you. You don’t want to take my issue as a serious breach of your security and don’t want to listen to my research. So, this has lead to an a trust issue with the bank side of you all. I don’t trust you. You have invalidated my trust. It takes years to gain trust, but one bad experience like this to lose my trust. As a result, I’m moving my money from you to a competitor.

I will be keeping my mortgage, because I know I can’t get a better deal at the moment. But once I either sell my house, or refinance my house, I will be totally out of your clutches.

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Life · Product Reviews

I really wonder about designers at time.
Posted on April 21st, 2012 @ 2:15 pm

I stopped by the mall today to pick up my new glasses.  I was wearing a shirt I’m not particularly fond of, but it was clean.  I decided to get a new shirt.  I browsed a few stores, but couldn’t find something cute in my size.  I stopped into Sears to look around.  I found a cute shirt in Sears in my size, but even that cute shirt could not remove my disgust for the monsters on the rack posted above.

What the hell are those things?  Are the bowling shirts?  And why are they so ugly?

The sad thing is many stores  have a women’s section has to ugliest pieces of crap on sale.  I don’t know if it’s because some of the cute styles are thought to make larger women seem larger or what.  Are they trying to shame women into losing weight by offering only ugly crap?

I don’t know about you, but I doubt women size 2 would like to be offered those same shirts above.  Size 2 people would be disgusted.  And I doubt that shirt would sell in 5-7-9.  They are ugly no matter the size. And yet,bigger chicks are suppose to embrace that crap?

Life · Product Reviews

Hipstamatic Disposable
Posted on April 10th, 2012 @ 8:54 pm

Walking around the complex
Walking around the complex by peachy92

One of the apps I have for my iPhone is the Hipstamatic Disposable camera app.  The above photo was taken with the app, using the D-Lite camera.

The fun in this app is that you pick a camera, which is really just a pre-defined set of filters that applies processing to a photo.  Then, after picking a camera, you share it with a friend and they take shots, too.  However, one you take a shot, you don’t see your picture instantly.  You must wait until all the shots on the camera have been taken before the pictures are reveled to all.  It’s akin to using a real disposable, taking a few shots and then passing on the rest to a friend.

I just wish I had more friends that used the app.  However, I also fear getting a friend that turns it into a type of Chat Roulette.

My only complaint about it is that you can’t upload your photos to Flickr.  To upload it to Flickr, I lose all metadata for the file once I save a shot to my camera roll.  Also, and the Hipstamatic app does this, too, is that if you take a shot, it doesn’t save the original shot your camera roll in addition to the processed shot.  I want the processed shot, don’t get me wrong, but sometimes it doesn’t turn out like I like. I wish I had the original shot in order to do processing in a different application.

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Flickr Photos · Photography · Product Reviews

Thank goodness for iPhones!
Posted on December 17th, 2011 @ 9:32 pm

My computer is dead. It will be a few more days before I can take the next step. Until then, my phone and my family’s computers must do for me.

Today, I got a scam phone call from 1-987-654-3210. I knew it was a spoof, but I answered on the off chance the system screwed up an ID of a family member’s phone as it has happened before.

No, it was some scammer using VoIP from India trying to scam me. Idiot told me my computer was hooked to his company’s Internet server. Well duh, that’s how the Internet works. But my computer, being down, couldn’t be. I told him he had the wrong number.

Apu was not going to be deterred. He started trying to comfirm my name and number. He started with my last name. I told him he had the wrong number. He wanted me to give him the correct name. Oh no. Not my job or obligation to give it out, especially to something that screams fraud on my Caller ID. And I told Apu as much. Then he goes and tries to comfirm my address. Again, I denied it.

At this point, Apu starts calling me a liar. I yelled at him I didn’t appreciate him calling me to scam me and calling me a liar. I hung up on him.

I shouldn’t have answered the call, but all day I have been laughing and saying “Ma’am I think you are a liar.” It’s also one more scam I have spotted and can tells others about so they won’t be scammed as well.

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Life · Scam Alert

They’re Back!
Posted on September 13th, 2011 @ 7:21 pm

Ok, so the “process servers” (my ass!) that prompted my Don’t Treat Me Like I’m Stupid post called me again today.  This time, they used yet a third name, but a name nonetheless that has been listed in my prior research.  This time, as soon as “Amy” said who she was with, I laid it all on top of her that I knew the names were related, that I have told them not call me again, and that I wasn’t talking anymore.  I guess as she was trying to continue the script, I hung up.

Tomorrow, I will be calling the phone company to see what next I have to do for harassment complaints.  I’ve contacted a FDCPA lawyer, but since it’s a scam, a fat load of good that will do me.  I am keeping my own records of their calls and what has been said, or attempted to have been said to me.

The sad thing is with 2 of the names the used, they had the same return phone number!  And with 1 of those names and the new one tonight, they have the same website.

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Life · Scam Alert

Don’t Treat Me Like I’m Stupid
Posted on September 8th, 2011 @ 11:46 pm

This is a video related to the debt collector, or now as I see them, scammers:

Link to original story: Unscrupulous Debt Collectors

Seems their MO is to call relatives first to get the relatives in a panic. The trick then depends on the panicked relatives to talk the mark into calling back and settling the debt.  They tell the relatives that they are about file a lawsuit on the mark.

You see, they called me as the relative to get into a panic.  Problem was, my sister answered the phone and did get into a panic.  She called me to ask what was going on and that a lawsuit was threatened.

I was the wrong mark to call.  You see, when I was younger, I worked for a bankruptcy attorney.  As a result, I learned the basics of the Fair Debt Collection Practices Act (FDCPA).  The lawsuit that was threatened?  Not really a big deal.  Wages can be garnished; bank accounts frozen, but no one is going to jail. It’s not the worst thing in the world.  So, after I spoke to my panicked sister, I took the phone number and started some research.

I called the number.  They gave me a name and a website.  That was enough.  I started research the name and came across this website entry: Fake Process Servers Work Hard to Scare Money Out of Consumers.  And the information provided in this one entry was enough for me to feel as if I was was being used as a pawn in a scam. Once I relayed the information to my sister, she calmed down.

I thought when this originally happened, that would be the end of it.  No, it hasn’t.  They called me two other times.  Both of those times, I told them to send on the paperwork, but I knew the case file number they were claming to lawsuit was not a legitimate case number in my state in the two possible counties it could be in.  I got irate with the callers, even screaming at them.  At this point, I don’t care.

If they really were collecting a debt, then they are violating the FDCPA.  Most reputable debt collectors know when you mention that act, they need to shut up.  Violating that act could mean a lawsuit and them having to pay me $1,000.00  They are in the business of making money, not losing money.  This outfit that called me didn’t seem to give a crap.  And also, other information they provided to me, did not ad up.

I called an old friend from my bankruptcy days.  She’s still in the business and had never heard of them.  In that industry, you know the major players by name.  I still can still recognize a creditor to this day just by return address when I get credit card offer.  If neither one of us had heard of these people, then of course I need to be a little weary.

But after seeing the above website and news article, I am furious that such a scam is occurring.  And sadly, there are people out there that aren’t aware of the protections the FDCPA provides them.  So, not that many people will read this post, but I want to spread the word.  You do not need to be afraid of a debt collector.  There is a law that provides you protections and comfort.  A decent debt collector will obey the law in pursuit of the debt.  They are not going to risk a $1,000.00 violation.

Even if you aren’t in debt, get to know the law.  It may save the sanity of someone you love.

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Life · Scam Alert

Get On Your Snuggie
Posted on November 10th, 2009 @ 7:08 pm

I broke down and bought a Snuggie today.

My cubicle has been moved at work. As a result, I am sitting straight under an A/C vent. Being that I work with computers, we need the A/C. So guess what? I’m getting cold.

This morning, I was freezing. I found it hard to get some work done. So, for lunch, I went a got a Snuggie at the nearby Bed, Bath, and Beyond. I ended up getting the Breast Cancer Pink Snuggie.

What prompted me to get a Snuggie? The sleeves part. I mainly got it to cover my upper chest area. My jacket yesterday wasn’t cutting it. Also, I don’t like my arms feeling constricted.

I fell for the Snuggie gimmick!

Actually, I’m not upset at myself for getting a Snuggie. I see it as a way to combat a problem preventing me from being productive. Now, I can be warm and still do my work.

When I go back to work, one of my co-workers saw I got the Snuggie. She wanted to see what it looked like and watched as I opened the box. A few other people noticed I had a Snuggie, too.

So what do I think of it? Well, the fleece is keeping my upper chest area warm. That’s the main function and it’s doing it well. I don’t really need it at full length. The full length has been getting caught in my chair wheels. To stop that, I have had to bunch the Snuggie up on my lap. Also, I don’t like the feeling of it falling off my shoulders. That’s the problem with any front loading piece of clothing. I wish there was a latch in the back to keep it stable. Notice how you never see the backs of anyone in a Snuggie ad?  Also, the fleece seems to be a lower quality fleece.

Hey, as long as it does it’s job in keeping me warm and free to do my work, I will keep it.  I just need it to function.

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