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sabrinamariWe got home from festival and spent a few days doing laundry, easing in and checking in on our accounts. Despite the budgeting time we put in, something slipped through the cracks in our busy lives.
When I got up early this morning and took a quick look at our TD Bank accounts, I saw that one of them was overdrawn by $29. Immediately, I transferred money into that account and called the customer service number on the webpage right away.
When I reached a customer service rep, I explained what I had discovered and what I had done in response. I also asked her to walk me through what had happened so I would understand it and be able to identify any associated fees.
She looked at my accounts with me, and saw that I had already transfered over several hundred dollars and that I had never had an overdraft before. "I can call your branch when it opens at 8:30 and make sure they pay all the checks that come through," she said. "And since you've already transfered over more than enough money, I can see if they will refund the $35 overdraft fee. Give me your cell phone number and I'll call you back right after 8:30." I thanked her and gave her my number, and sure enough, she called me back at 8:36 to tell me that all checks would be paid and the fee refunded.
I asked for her supervisor and praised her to the skies, and then thought about what I would have done 4 years ago, when I had a very different relationship with Element Money:
* I would have gotten angry and anxious and dumped a bunch of blame on my honey, who had worked so hard with me to get everything unpacked, put away and up to date
* I would have been too intimidated to call the bank--after all, it was my mistake!
* I would have felt too angry, helpless and stupid to reach out and explore my options or remain open to whatever might come
But since I've developed a good relationship with Element Money, I didn't do any of those things. I moved from a place of focus, confidence and curiosity, rather than a place of desperation, anxiety, and denial. As a result, I lost no money: instead, I got lots of help keeping it and new insights about how to manage overdraft problems in the future.
This reinforces my belief that attention, confidence and curiosity attract money, while inattention, anxiety and denial repel it.
When I got up early this morning and took a quick look at our TD Bank accounts, I saw that one of them was overdrawn by $29. Immediately, I transferred money into that account and called the customer service number on the webpage right away.
When I reached a customer service rep, I explained what I had discovered and what I had done in response. I also asked her to walk me through what had happened so I would understand it and be able to identify any associated fees.
She looked at my accounts with me, and saw that I had already transfered over several hundred dollars and that I had never had an overdraft before. "I can call your branch when it opens at 8:30 and make sure they pay all the checks that come through," she said. "And since you've already transfered over more than enough money, I can see if they will refund the $35 overdraft fee. Give me your cell phone number and I'll call you back right after 8:30." I thanked her and gave her my number, and sure enough, she called me back at 8:36 to tell me that all checks would be paid and the fee refunded.
I asked for her supervisor and praised her to the skies, and then thought about what I would have done 4 years ago, when I had a very different relationship with Element Money:
* I would have gotten angry and anxious and dumped a bunch of blame on my honey, who had worked so hard with me to get everything unpacked, put away and up to date
* I would have been too intimidated to call the bank--after all, it was my mistake!
* I would have felt too angry, helpless and stupid to reach out and explore my options or remain open to whatever might come
But since I've developed a good relationship with Element Money, I didn't do any of those things. I moved from a place of focus, confidence and curiosity, rather than a place of desperation, anxiety, and denial. As a result, I lost no money: instead, I got lots of help keeping it and new insights about how to manage overdraft problems in the future.
This reinforces my belief that attention, confidence and curiosity attract money, while inattention, anxiety and denial repel it.
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no subject
Date: 2009-06-25 07:25 pm (UTC)Glad you were able to solve this calmly and without any penalties. :D
Can I call you Saturday?
no subject
Date: 2009-06-25 07:56 pm (UTC)Progress is the goal rather than perfection. "The perfect is the enemy of the good".
Besides, I rejoice that I was paying c lose enough attention to catch the error and resolve it! Yay for personal growth!
no subject
Date: 2009-06-25 08:11 pm (UTC)no subject
Date: 2009-06-25 08:15 pm (UTC)no subject
Date: 2009-06-25 08:17 pm (UTC)I also like how you praised the good customer service rep.
This is a practice I follow as well. I will always complain about a bad one. I will be neutral about average, but I will always praise those that deserve it to their supervises.
That way not only the bad get their due, but the good ones do too. :)
no subject
Date: 2009-06-26 12:23 am (UTC)Granted, getting to the point of calling the bank about it is excellent progress. :D