mvilain

I had a long discussion with my bank’s branch manager about this. They assured me that I don’t have overdraft protection. I’ve yet to have any fees since I keep a reasonable balance. I want my debit card to fail and my check to bounce. He assured me that’s what would happen.

A neighbor pointed out to me that Venmo, Paypal, and other such services lack the consumer protections of a credit card. So, I don’t use them. If I have a problem with a purchase, I know my credit card vendor will contact the merchant and deal with it. Even if the vendor says “All sales are final”, I’ll get a refund when I challenge the sale.

I left FB before the pandemic and don’t regret it. When I still had an account, I had to verify my account by sending them my DL. I did it but blanked out my address and DL #. That was invasive enough. This is just insane.