discuss with spouse and got how usa banks stealing-related
we became BOA customers since 08/09/2018. And found $147 money stolen in earlier 2020 that
Dec 2019 ending balance got $147 less but still can see Jan 2020 begining balance is $147 more than Dec 2019 ending balance. 2. Sep 2020 i found $49.42 less 3. Dec 2020 found another $97.58 less 3. Dec 2019 ending balance became the same as Jan 2020 begining balance that bank wiped off the evidence.
when i update my money software taransactions in 2018, 2019 didn't see problem until 2020. today the whole moring we discuss and my explained and spouse did verify each transactions we got the following conclusion:
A. PONZI stealing money that they frequently 'borrow money' would return money until can't return any more then been caught. my spouse told me i didn't found in 2018, 2019 because i missed stole and returned period time as not everyday updated money transactions. PONZI must 'borrow' before 'return'. just like right now bank wipe off $147 evidence and i didn't print out Jan 2020 statement.
B. couple years ago 2013? we should get refrigerator refund $5xx from Fry's because duplicated charges however i did call and Fry's declared they refund so i didn't verify until too late. bank credit card dept insist they didn't receive the refund, Fry's insist they did pay. but because over 2? months and original credit card handling company moved(or sold) to bank, bank won't help. so it is possible $147 could be some product (or 2? returned) refund money, some one stole by deleted the refund transaction. Certainly it is also possible sometimes i have small amount cash in my purse and i would deposit to bank, any deposit type transactions could be stole by deleted transactions.
C. we also suffered 2 banks didn't give us bonus because they miscalculated(fortunately the 2nd bank correct their miscalculated problem and should receive on Jan 2021) ps 1/20/21 we did receive bonus on 1/6/21.
or didn't do jobs right or else. the elgin state bank when i called did tell us already deposit $300 in my spouse checking account. Again 2 month later we found out didn't receive then they changed story as system denied because the 1st auto deposit payment over 30 days even we brought the check payment deposited with their manager promise bonus. Especially my spouse can't login his on line account and Fidelity declared the bank rejected the auto deposit so mailed check to us.
To me it is very obviously the bank didn't in time create my spouse on line account caused the rejected problem.
such old years transactions deleted problems already happened in charter one which in the end sold out to usbank. very likely many usa banks using the same app. software and bugs never fixed.
the last puzzle is : i am not sure how and who changed that i saved Jan 2020 statement in my HD thru BOA on line download PDF estatement. All i knew is SSA can change auto deposit money amount in our bank, both SSA and Bank won't notify us. microsoft auto updated also can't stop or under controlled by user. And frequently data files are stolen, some would return after many months/years later.
how to defend stealing money? i made a big mistake that when i found $147 missing problem didn't print out Jan 2020 statement as evidence that i thought if only if i saved in my HD would good enough. SO my spouse voluntary would check and print on line checking account every day. my only problem what if stealing our other type investment money especially have active transactions? I would say don't need monitor those payment type such as regular utility bills but deposit including products refund, small amount cash deposit...
ps 1/20/21 earlier the bank website got trouble to change statements option as by mail after i called the banker did for me and confirmed no charge. however the other related investment company merrill edge won't mail statements (the agent lied to us that any time we can request by mail including missing). i would find another company to handle, our previous is fidelity quite ok but too far. i deeply suspect usa banks and investment companies even government knew bugs existing so try so hard to force paperless.
ps when my spouse mention PONZI 'borrow, return' scheme i told him it reminds me what happened in our house that over 20 years stealing, some returned then repeatedly moving around. those in the end won't return any more such as my driver licence, social security card(the last time we can't but apply my social security card because didn't receive so made 2nd time apply, so i got 2 cards, one of them and driver licence were stole in Apirl, 2020), bank safety box keys,....we never caught the psycho thief ghost. recently i even suspect whether the psycho got job in our banks now, because quite simialr ways. will the thief stomach bigger and bigger? i did warn my spouse and told him our ancient story about a son was encouraged stealing by his mom , then rob until was caught got death penalty and he wanted to see his mom last time then bit off his mom nipple because he realized his mom taught him wrong thing.
3/14/21 today called bank to verify where was $218.64 which got from credit card cash rewards redemption in 9/18-10/17/18. i also notified the lady that old history transactions deleted(stole money) happened earlier than 2013 in charter one bank which after i frequently called about the problems then sold out to us bank in 7/3/2014?. And last year i already found out my $147 and $49.42 money disappeared in two different period time too.