fee – TruXter Tech

Problem with Ebay

Posted on2011/04/05AuthorTruXter

I sold my G1 phone on eBay because I need the cash right now. At start I saw the prices they offered for the listing. I selected to start the auction at $90 with $9 shipping. Only one person bid on the phone. So the phone went at $90 and $9 shipping. The money went to my paypal account. Instantly PayPal (owned by eBay) charged me $5 for the transaction. Two days go by and eBay charged me $8 on top of the $1 they originally stated. So now I am down $13 of the $99 received for the sell and the shipping. Now i have to pay $9 for the shipping.
Of the $99 I’m now down $22.
This makes my take on the sell of my cell phone $77. Along with the wait in line at the post office on my lunch break. Because well. I didn’t want to make the buyer wait 1 or 2 extra days while the post office gets around to picking up the package from my house and i didn’t want to shell out more money for the shipping labels provided by eBay. Because really. I just sold one item.
$22 dollars to make less than $100 and the advertisement ran for three days. Heck it took 5 days for the money to transfer from PayPal to my bank account, but just seconds to to transfer from my bank account to eBay to pay off the fees for the listing.

Considering the last time I ran an ad on eBay I got hassled by a scammer who kept sending me payment confirmation emails but no payment was ever transferred.. Really for eBay to be so unsafe, they sure do charge quite a bit of money for you to sell one item and use a max of about 200kb of storage and maybe the same in bandwidth.

So now I plug my own website. My alternative to eBay.

On My Front Lawn is my Garage sale site where I now sell everything i want to sell.

onmyfrontlawn.com

Internet Price changes, Fair? or Fare?

Posted on2010/01/202010/01/20AuthorComputer Tweaker1 Comment

We all know that Comcast is going to increase their prices. They made that announcement the moment they found out they could not start charging website owners for the “traffic they bring them”. and we all see the new filters Comcast has put into their servers, the ones that direct us to their designated page, so we do not ” get the inconvenience of a 404 page”. To the common that say they are doing us a wonderful favor of removing unattractive pages that display nothing for us. The wise know that the filter is there and could potentially be used for extortion. Meaning specific websites could be shut off by a specific internet provider. Let’s say a large enough internet provider, one that has a 40% foot hold of all united states internet users. 40% of all users being filtered by one company, is bad bad bad bad. If 40% of the readers who view this site just suddenly stopped reading, I would really feel like I am being shut down and feel like I could potentially be done wrong.

I don’t know about you, but I pay my web provider to allow me to go to websites using their services. So they are already making money from me and many others, for just that. The internet providers making money off of the website owners for the traffic that hits said websites using said owners, purely is greed. That’s almost like building a toll road, keeping fees for usage of the toll-road active, meanwhile using tax money to maintain said toll roads. Oh, they do that in Houston. hmmm..

Well the truth is, internet usage and file downloads have all been increased. How? well not by using Comcast. but closer to you than that. Smart phones or App phones, all have constant running apps that use internet at all hours of the day. Pretty much all phones that use android have a default of keeping you signed into Gmail 24/7. You have to pay the internet fee for this services if you do not have internet services already. Here’s the funny part (before you say .. oh ok. that’s a lot), you pay $35 a month for that internet service. You can’t really do anything with that service other than stay connected. It’s a tiny 3 inch screen. the actual file transfer is so tiny it’s just a tiny portion of what what it would be on your home pc. yet the cost is 80% of the pc internet fee. Sure Comcast wants in on that action and that kind of fee. So now they limit our monthly usage and want to charge us for overages. Well because the number of users have increased. sure they did, Comcast bought out other services. The world did not suddenly gain 60% more people who use internet. Just Comcast’s user count increased. The amount of servers and hubs have increased at the same time . Picture a janitorial company buying out all the other janitor services, and then increasing fees because demand is up… like they lost all of the mops and janitors they just hired or something. Same thing.

Meanwhile Comcast cranks up their bandwdith to outrageous speeds. Unthinkable speeds compared to five years ago. 5 years ago 2.5 mbps was hard to come by. Now internet speeds are commonly 25mbps. there is no way you will drop that kind of service, you will just try an not go over your amount of consumable internet downloads. Well that’s just the way we all think. That’s kind of is dense. In reality you want faster so you can download more much easily, but are willing to download less to keep fees down for overages. They know how to market us.

I advise you do not fall for this stuff. If we all just drop capitalistic companies, these companies can not continue with what they do. Net Neutrality, H.R.6123, what ever you want to call it

A Letter to Wamu-Chase

Posted on2009/05/08AuthorTech News4 Comments

I am upset with the measures of Washington Mutual’s online checking.
The past 2 months i am getting $150 in overdraft charges because their system has a crappy update and refresh. Why do they assure you they have online account status when what you get is just account related items. Let’s look at the word “status”
http://www.answers.com/topic/status There are 4 definitions. The fourth one is what we believe they mean, but it looks like the first is what protects them from a lawsuite.
Here is the letter i sent, angry and frustrated.

Message Sent: 05/08/2009 10:16 AM (Central Daylight Time)
Confirmation Number: ________________
Subject: Technical Problems

Platform: WinXP
Browser: Other
Internet Connection: Cable Modem
Why is it that your online checking status does not show charges for almost four days, unless you go over draft?

There is something fishy about the way this happens. is there a bug in your mysql db? If so i probably can fix this. Is your php script not functioning? or , just to go out on a huge limb here, is this the only way you make money ? i mean that is far fetched but it seems you are leeching on the poor. If you say you have online checking status, can you at least make it actual status? Really, why is there a “pending” and then weird limbo charges. should they all not be pending untill complete? the credit machine makes an query to verification, then it reports it’s charges, then it confirms.

I can build this junk, I do it all the time, but i am crappy at bookkeeping.

Maybe I should gather more information and make a blog about this and put advertisements around it and try and get my money back at your expense. sound fair?does to me.

I used their “message system”.
The best explanation i have recieved for this is “well our online status is not perfect”.
My response is ” You hold my money with the impression you can help me with poor book keeping, looks like your crummy ‘professional service’ requires me to save the receipt to every hot dog and coffee I buy, so basicly you do nothing but hold my money and charge me for trusting your software”.
The person replied “well the software is not mine”
My forehead bulged out, I felt like they just yelled ” I know you are but what am I” left me lost for words.

*************UPDATE**********
This is their response.

Dear TruXter:

Thanks for contacting WaMu, now a part of Chase!

A pending item is an item that has not yet posted but is held against
your account, and can include debit card transactions, pledges, deposit
holds, and other legal restraints. The Transaction History page for your
account on wamu.com displays only two types of pending items: A deposit
hold based on our funds availability policy; and, some but not all
pending Debit Card transactions held against your account.

The amount of the pending item transaction or hold reduces your
available balance and therefore is included in your available balance
amount on the “Your Account” page.

Pending items are not included as part of the running (ledger) balance
on the Transaction History page. You can continue to visit your
Transaction History Page to confirm when these items post to your
account, at which time they will be included in the running balance.

We have added these items to the Transaction History page to provide
additional account information to you. However, since these are only
some of your pending items, you need to continue to track all pending
account transactions.

For pending debit card transactions, the pending item typically posts to
your account within three business days. However, if a merchant does not
complete the transaction it will expire and the temporary charges will
be removed. Also, sometimes the pending transaction may be different
from the amount you anticipated because of an estimated authorization or
a tip. However, when your purchase posts, you will see the correct
amount.

Of course, if you ever see a pending transaction that for some reason
just doesn’t look right to you, give us a call at 800.xxx.xxxx and we’ll
be happy to assist you.

Sincerely
(name not needed)
WaMu Technical Support, now backed by the strength of JPMorgan Chase

Pretty Automated. They didn’t want to even read the thing and they just sent me a blur of a response.
Well it has been about 15 transactions and 9 days since I started timing them, still no updates yet.
My account has one pending item on it that has been there since before I started freaking out about the service. and yes I have plenty of cash in there.

******update ended****

What is wamu’s Motive?

Posted on2009/05/05AuthorTech News

I signed up to Washington mutual after a friend of mine suggested I give the online registration a try. I was really impressed with how easy it was to set up my account. My friend did not have a current back account for some reason or another so he had to go to a wamu in person and do his first deposit in person. I on the other hand have an account at another bank and it was a snap to use routing numbers blah blah yadda, and transfer funds to the wamu account. If I would have used a credit card, the least I could have transfered would have been $50. Since this is something I am “trying out” I do not want to flop around fifty freakin bucks. Ya know? really that is no issue at all, I completely (almost) understand .

So I go to my local Washington mutual and swing by to set up my atm card and deposit a little bit of money into my checking account, I did have a couple bills to pay and they where kinda on my way so I was going to just make a few rounds and get some stuff done. I handed the little blinky eyed dude my check and he suddenly bloated up on my and before I could say how much I wanted deposited and how much cash I needed he informed me they would be hanging on to my check for a week to verify that it is a legit check. I tell him and assure him that it is not a personal and point the difference… lol that ticked him off. :P

Well after a little bit of huffing we decided it would be in my best interest if I just went to my current bank and cash my check there and come back to wamu deposit what ever I want to, in cash. Ok he decided he was not going to help me and I suggested that I come back with cash for his ghetto bank.

What ever.

So that is what I did. I put a little in the free online checking and a little in the free online savings.

Now we all have seen teh commercials with a skinny dude and the butt load of snotty bankers who want to charge atm fees and check fees and all of that, right ?

Well now the story gets really good. I decide to go a month or so and not touch that account I was already ticked off pretty good. Before I leave work one I look into my account information at an atm… Just a balance inquiry, not a withdrawal. Should be no fees if there are NO atm fees. . hmmm $2 less than what I put into my account, why is this like this on my statement ?

I go home and check my balance and low and behold, Tadda, Washington mutual charged me for a balance inquiry. How do I know this? well I use that same atm who is through citibank, and not through my other bank, well I have used that atm for years on my other bank never a fee for just a balance inquiry, hell one of my friends from work uses wells Fargo and is never charged a fee. So I call Washington Mutual and see what the deal was, I call my wamu . The guy on the other end informs me he is not capable of helping me and that I need to call the help desk for the online. ok I call the 1800 or 188 number. after going through this endless circle of pressing one for English and two to speak to a human and getting forced into a f.a.q. section repeatedly I finally talk to a human, the lady on the other end tells me that it was the atm carrier that charged the fee.. nfw! I explain to her that I do and did my research before I do and did anything.. Ever. and she responds with ” you must be wrong” So I ask her for email address so I can send her a copy of my bank statement from the other bank. She told me that would not be necessary and I asked her “with that kind of response you do not care how right or wrong you might be, you are just certain that you are correct because you are saying what you are supposed to”. lol, she flipped out. I asked her if she was supposed to go ” all robot with pride” on me lol and she responded with “you’re an idiot’ and hung up on me. Ok maybe that was overboard of me but I was frustrated with their whole set up.

I call my buddy back and begin to tell him about the way I got charge an inquiry fee, I got all the way up to “hey man I went to check my balance” and he jumped all over the conversation with “I know man I checked mine and got charged 14.95 to look at my balance”

Now why in the blue hell did they charge him $14.95 and me $2 ?

Yes the fee carried over and is still there , yes it has been longer than a month and no they did not refund it after the statement and balance was complete. No there where no strange circumstances that would leave them a reason to penalize me or my friend for any activity. If I was supposed to do a chicken dance or bite the head off a bat or something I was not informed of this . I just know that the commercials are false and misleading.

Watch yourself on the fees.

The savings account is rocking though, I like the way you can just chunk your change in there and all is good in the world. that part is smooth and pretty. so if you get an account there , go for , may as well sign up for the savings, the interest is better than most bank’s c.d. accounts and does not penalize you for changing by withdrawal or deposits.

I have no idea how well they are with building business credit, business bank account, business checking account, business credit card , business money market. So good luck with that.

it’s kinda cool.

GLHF!

I did just talk to a representative and she explained that it is free checking with no atm fees….. for using atm at a wamu bank..

doesn’t every bank do that for you?

$35 for an over draft is pretty steep. I refuse to use their service ever again. Nickle and dime ya?…… nope they go straight to the 20s and 30s.

Not-So-Free Checking Account (wamu)

Posted on2007/12/16AuthorTruXter3 Comments

[tags]account, bank, bank account, bank checking account, Chase Credit Card, Checking Account, checking bank account, citi, fee, helpdesk, interest, monthly interest, savings account, service, statement, wamu,online bank account,online cd,Online Credit Card,online credit card processing,online money,market,online payment processing,online saving,online shopping [/tags]

I signed up to Washington mutual after a friend of mine suggested I give the online regestration a try. I was really impressed with how easy it was to set up my account. My friend did not have a current back account for some reason or another so he had to go to a wamu in person and do his first deposit in person. I on the other hand have an account at another bank and it was a snap to use routing numbers blah blah yadda, and transfer funds to the wamu account. If I would have used a credit card, the least I could have transfered would have been $50. Since this is something I am “trying out” I do not want to flop around fifty freakin bucks. Ya know? really that is no issue at all, I completely (almost) understand .

What ever.

So that is what I did. I put a little in the free online checking and a little in the free online savings.

Now we all have seen teh commercials with a skinny dude and the butt load of snotty bankers who want to charge atm fees and check fees and all of that, right ?

I go home and check my balance and low and behold, Tadda, washington mutual charged me for a balance inquiry. How do I know this? well I use that same atm who is through citibank, and not through my other bank, well I have used that atm for years on my other bank never a fee for just a balance inquiry, hell one of my friends from work uses wells Fargo and is never charged a fee. So I call Washington utual and see what the deal was, I call my wamu . The guy on the other end informs me he is not capable of helping me and that I need to call the help desk for the online. ok I call the 1800 or 188 number. after going through this endless circle of pressing one for english and two to speak to a human and getting forced into a f.a.q. section repeatedly I finally talk to a human, the lady on the other end tells me that it was the atm carrier that charged the fee.. nfw! I explain to her that I do and did my research before I do and did anything.. Ever. and she responds with ” you must be wrong” So I ask her for email address so I can send her a copy of my bank statement from the other bank. She told me that would not be necessary and I asked her “with that kind of response you do not care how right or wrong you might be, you are just certain that you are correct because you are saying what you are supposed to”. lol, she flipped out. I asked her if she was supposed to go ” all robot with pride” on me lol and she responded with “you’re an idiot’ and hung up on me. Ok maybe that was overboard of me but I was frustrated with thier whole set up.

Now why in the blue hell did they charge him $14.95 and me $2 ? well what ever.

Yes the fee carried over and is still there , yes it has been longer than a month and no they did not refund it after the statement and balance was complete. No there where no strange circumstances that would leave them a reason to penalize me or my friend for any activity. If I was suposed to do a chicken dance or bite the head off a bat or something I was not informed of this . I just know that the commercials are false and missleading.

Watch yourself on the fees.

I have no idea how well they are with building business credit, business bank account, business checking account, business credit card , business money market. So good luck with that.

it’s kinda cool.

GLHF!

I did just talk to a representitive and she explaine dthat it is free checking with no atm fees….. for using atm at a wamu bank..

doesn’t every bank do that for you?