Frenzied Daddy

This Comic has me dwelling on a mistake I made. One of many, but I’m learning from them.

About a year and a half ago, I managed to get a US Bank account overdrawn to the tune of about $1000. Yeah, I was impressed too. It was my business account for Argh WebWorks. I went in to the branch where I had opened it in order to talk to someone about how to close it and pay it off. I didn’t get the “small business specialist’s” name but his advice was simple. “Ignore it,” he said, “and it will go through internal collections, they’ll knock a bunch of fees and then send you a bill for the remainder. I asked him how much I could expect to wind up paying; he said he didn’t know. I asked him why not just hook me up as if it were a $1000 loan, and I’d make monthly payments. He said he was trying to save me money and that they had no mechanism for that sort of thing. He couldn’t give me a number for “internal collections.” Nothing.

It wouldn’t stand up anywhere- “I went into the branch and they told me to let it go through collections. No, your honor, I don’t remember the guy’s name. No, I don’t have a record of our conversation. No, he didn’t promise anything.” Yeah, that’d go really well. And I can’t deny that I owed them the money, obviously I wrote some bad checks and then fees compounded on fees and one nasty situation rolled into another one. I just wanted to shine the light of the sun on it so the mold couldn’t grow any further. The mold stopped growing on it when I told them to close the account.

So, now it’s a year and a half later, and I’ve finally made the last payment on it. It was still about $1000. Nothing was taken off, not that I believed that would happen. “Internal US Bank Collections” didn’t even bother sending me a bill, they just sold it to a collection agency. The collection agency promises that they’ll have the CheckPoint systems block taken off my records so I can open up a new account (at the credit union, thank you for asking). I’ll be checking later this week.

So yeah, don’t hire lawyers that are barred from courtrooms and don’t listen to Small Business Consultants who can’t help you.

Why yes, I am a little bitter. But not enough to claim it’s not my fault.