Around 8:30, I started to get a headache. I remember what time it was roughly, because I was working at the customer service desk and was part way through what ended up being a 40 minute process of helping this one woman return all of these items that were over two years old.
(Yeah, that’s right. We take back EVERYTHING. She had receipts with the numbers missing and items that were so old that they weren’t even in the mainframe in the back. I had to make some stuff up and other stuff I had to say “This print out of your transaction history doesn’t help me, and these were purchased more than 6 months ago so they’re not on your card, so you can either take the items back home and try to find the receipts OR you can take back very, VERY little money for them because they’re so old.” I was able to return a good amount of the items, but some of the stuff was from 2009. COME ON NOW. In addition to this, she had to be issued corporate refunds for a bunch of the stuff because she does this ALL THE TIME.)
So anyway, my head started to hurt. And I could tell that it wasn’t going to be great, but I popped some ibuprofen, hoping it would stave off the pain until I got home. I was staying hydrated and had eaten, so I was positive that neither of those two things were triggering a headache. At this point, I was also still holding out hope that it was just a minor headache.
Hilarious. I know.
So I got home around 10:45 (because for some reason, people don’t seem to be capable of keeping their sections clean, so we were there for an additional 45 minutes after closing cleaning up the store…)
When I got home, I had something small to eat because I wasn’t feeling great, but knew I needed to eat. Then I took a bath and took two Fiorinal because my headache was getting worse. By the time I got out of the tub, I was ready to throw up.
I can tell you that I spent the rest of the night throwing up, holding an ice pack to my head, moving very slowly, and doing my best to not cry because of the pain I was in.
This was the worst migraine I’ve had in quite awhile. It was one of those “come-out-of-nowhere-and-just-ruins-your-life” kind of migraines. I mean this to the point that I wrote down the phone number for my job that I was supposed to be at for 10AM on Friday and asked my dad if he would call out for me when he woke up for Holyday Liturgy on Friday. (Mom ended up calling out for me, but that’s not the point).
I woke up around 11 on that day and felt better, but not fantastic. I could barely eat all day, and although I didn’t want to rip my eyes out, I was still in pretty intense pain.
Because of schedules though, I had to take my sister to work, so I made sure to not re-medicate before driving and took her to the mall. When I got back I had a letter from my bank.
Sidebar: I should note that I’ve had issues with this bank before. It’s a regional bank, and I’ve already opened an account with PNC because I like their services better and I’ve only had positive experiences with them when I’ve done financial transactions for my Diocesan National Youth Group (I’m the advisor so I handle a bunch of the financial stuff). So my plan was to spend what was remaining in my account, and then close it out. End Sidebar.
So it was less of a letter and more of one of those “fold and tear the sides first!” postcards. Inside is a notice telling me that I’m overdrawn and now owe them $246.00
So obviously it takes all of my self control to not scream. This desire to scream and/or punch something is exacerbated by a few things
- I had been to the ATM earlier in the week and there was no problem with my account.
- A few years ago, I had to be issued a new card because there were fraudulent charges on my account. At that time, I opted out of a service that would let me overdraft, instead asking that my card be declined at POS if I had insufficient funds so that the problem wouldn’t happen again.
- I was (once again) locked out of my Online Account. A week and a half prior, I called and had the password reset. When I tried to log in again a few days later, I was told I was once again locked out of my account.
- I received the letter on the 15th. The card said that my date of notice was the 12th.
- I still had a friggin’ migraine.
So needless to say I called the bank. I do have to say that the guy I spoke to was very helpful, and I did make sure to note to him that I knew it wasn’t his fault, but I was just very frustrated with the situation.
My frustration got EVEN WORSE. When I explained about having opted out of the overdraft situation and he looked through all of my information and said “Well, it’s checked here that you never opted out.”
In my kindly frustrated voice, I explained to him that I ABSOLUTELY opted out due to what had happened to me a few years back. This was an error on their end, and if it had been done correctly when I called to get my new card and opt out of the overdraft situation, then I wouldn’t be being charged ANY overdraft fees because my card would have been declined.
Like I said, the guy was super helpful. But that doesn’t mean I didn’t have to be firm and tell him that I found it absurd that they would charge me $175 in overdraft fees that wouldn’t have existed if someone had checked the right box. Maybe some people would have let it go at that point, but I was like “Listen, I work part time for minimum wage and am taking a year off to try to save money for graduate school. I do not just have cash to throw at someone elsesc’s screw up.”
So he went and spoke to his supervisor who was able to take two of the overdraft charges off. That was nice, but, being me, I still didn’t find it at all fair that I was going to be held culpable for money that wasn’t my fault. So he told me that he would transfer me to his supervisor.
I spoke to her and she was just as helpful. I pretty much said “Listen, I’m absolutely willing to pay for the actual money that I overdrafted. That is my responsibility because I was under the impression that the money was there in my account for me to use. And I’m even willing to pay one of the overdraft fees, as it was on an online payment on my Discover card. That’s not point of sale, so my card wouldn’t have been declined. Fine. And I appreciate you taking off two of the overdraft charges, but I find it absolutely ridiculous that your company still expects me to pay an additional $70 overdraft charge because someone there screwed up.”
I reiterated that both she and the guy I spoke to before had been incredibly helpful, and that I appreciated the fact that the original person I spoke to was able to handle my frustration. She basically told me that she only had the power to get rid of two of the charges, but that she would speak to the branch and ask that they take off the remaining two overdraft fees. She said that if I could get the money that I would actually be paying back (which ended up being $110 between the actual charges and the one overdraft fee that I was willing to pay) into my account by Saturday, she’d have more leverage. I told her I would go and transfer money tonight.
So that was done. And she said that she would call me back today to let me know, but she never did. And I don’t know what that means. Hopefully it means it was all taken care of and I don’t have to worry about it and can close my account out in peace. (Well, that is after Wednesday, as I was told that the charges wouldn’t come off until Wednesday)
Needless to say, that didn’t make my migraine ANY better. My dad asked me if I wanted to go to the diner to eat, but I was miserable and so I passed on the diner. I don’t pass on the diner. But between my head and my frustration and just UGH, I knew that I would be horrible company.
The weekend was better though. My oldest sister, her husband, and their three kids came to visit for the weekend, so I was able to hang out with my nieces and nephew. My oldest niece, Hannah, was sick-ish, so we hung out and watched movies. Actually, we all watched The Mighty Ducks together, but my nephew was excited that there were more, so he & I ended up watching ALL THREE MIGHTY DUCKS MOVIES IN ONE DAY.
(I mean, he’s 6, so he’s not an adult, but I’m 24, so I’m awesome AND an adult.)
I called out of work today… er, Sunday, because I was feeling better, but still not great. I have work tomorrow evening, so hopefully I’ll be feeling much better by then.
I just know that I have a list of things to do and am not excited about getting them done. Sheerly because I would rather be able to just relax and try to sort out some of my migraine problems. Instead I’m worrying about other stuff.
On the bright side, this Saturday (after work) I’ll be going with two girls from my church to purchase items to replenish a Sunday School in Union Beach, NJ that was hit hard by Superstorm Sandy. The Diocesan Youth Group I was talking about before (The National Jr. ACRY) had a “fund drive” of sorts to raise money for Hurricane Sandy Relief. I was having an issue finding a place to donate to, just because so many of them were already getting funding or just wanted the money, whereas we wanted to do something more hands on. My sister (Jo) remembered that my niece had a classmate in Preschool last year who was from Union Beach. When they were in school together, my sister found out that the mother worked for the same school district, and they’ve been casual friends since then. When I said something about needing a place to donate, Jo got in touch with the friend who told her that she worked at a Sunday School, but everything was swept away by the storm, so if we wanted to help them get supplies, it would be appreciated. So I’ll be going with Jess & Cassandra to purchase items from their supply list (probably most of them). We’re hoping to be able to actually drive down there and bring them the supplies. I told the contact that we’d be willing to help clean up and reorganize and set the room up for them, all she had to do was let me know. Hopefully we’ll get the opportunity to do that, because I know that these kids have been itching to do something.
After that, I’ll be heading down to Rutgers, as a friend of mine (he was my 8th grade English teacher as well!) has a movie making it’s NJ premiere at the NJ Film Festival being held at Rutgers. I was an extra in two scenes and helped with decorations for one of the scenes. I’m really excited to see it!
In any case, I’m hoping that my head cooperates in the meantime. I don’t have as crazy as a week when it comes to work schedule, so hopefully the stress will be lower than it has been. I also got my camp application done, so that’s a weight off of me.
I think that the pain medication is finally starting to kick in, so hopefully I’ll be able to get some sleep tonight.
Medicated sleep isn’t nearly as restful as real sleep, but I’ll take what I can get at this point.
Also, if you read this whole thing, I kind of want to send you cookies.
Good night all! <3