Long story:

My dad and I have same name, and IRS misplaced his 2005 tax submission, so put garnishment on his account, and on mine, since my account is associated with his and same name.

This poo poo happens mid-vacation for me, and mid-week for him. Complete and total screw over. Wee have had to go 2 weeks without any way to pay for anything, and since my account froze, my bills, including my credit card payments, all got declined (some twice), and incurred a bunch of late fees and return fees (all of ~$500).  After about 5 hours of talking to different ppl, using every single automated system, I was able to get agreements with multiple bill collectors that I would pay all by last Saturday, if the IRS will take the garnishment off my account. In the meantime, that account accrues $175 in return fees BECAUSE the account is garnished... double you tee eff??

As a result of the fiasco, I decide to open a 2nd checking account at a different bank, and list all my information as differently from my dad as possible, including full middle name, and prefix.

After a few bumps in the road, right on Friday afternoon, my dad and my account get released, but the bank refuses to refund anything more than $35 in the return fees (which are not rightfully mine, and were incurred BECAUSE of the status of the bank account). I try talking to the manager, and get bullchocolate. He says his computers will not let him give any more than that, despite the fact that he refunded more than that to my dad.

I have barely enough in the account after that loss of $140 to make my last two payments, but when I go online on Saturday, the payment was more than double what wee'd agreed on. In short, they said their terms were that I make this month and next month's payments NOW. I finally agreed, and gave them the routing number of my newer account, which is to be active starting today. I used my other account to pay one of the bills, and the new account to pay the other. My old account now holds $2 in it, and that is going to be the last money it will ever see from me. I'll be closing it as soon as this current account is confirmed as active.

I fudgeing hate the IRS, and I hate bureaucracies, and I hate hate hate automated systems ><

Such unfair bullchocolate. I am considering going to see a professional tax analyst about it, but don't know if it is worth it anymore. Am just ready for it all to be over. I'm just glad to finally have some source of funds again...

:(

yeah they suck. but that's life lol

The IRS is a government run industry. Needless to say this type of thing happens all the times because a lot of the treasury is just completely fudgeed as far as organization goes. Billions of dollars are lost yearly (probably embezzled) and like I said stuff like this happens all the time. But the joy of being the government is that they can do whatever the fudge they want and nobody can fire them or stop them.

yay for the US Government

(24/08/2010 03:38 PM)Shady Wrote:  At least most of it is behind you. I couldnt tell which account you were gonna keep, the new one with your proper name and stuff or the old one?


Anywho, how was your mini vaction, minus the IRS poo poo?

Am keeping the new one, and closing the old one as soon as the last bill has gone through on that account.

The vacation was fun, except wee were quite limited in our options with so much of our funds cut off.

(24/08/2010 06:07 PM)ZiNgA BuRgA Wrote:  So how much did the both of you lose in total (including incurred fees etc)?  If it's a significant amount, it may be possible to sue, or maybe sell the story to the media or similar.
If not, then the world really sucks and you're probably stuck with acknowledging the loss.  I assume you would've done the former if possible, which means you are seriously unfortunately here.

My dad has not disclosed what all he lost, as I'm not sure if he even knows exactly yet, but I ended up losing 140 from the bank, but I was finally able to get the other fees waived (though, I took a big hit by negotiating, as I had to make two payments instead of the one as I'd expected for two of them).  I've come to terms with the fact that poo poo does, indeed, happen from time to time.