Equifax fax number

CREDIT PROFILE

• * Current credit cards you are the primary account holder of:
• Capital One Venture X ($20,000 limit, Opened 12/2022, Used for all spending other than gas and groceries
• American Express Blue Cash Preferred ($8,000 limit, opened 2/2022, Used for gas and groceries only)
• * FICO Scores with source (Equifax 809, Experian 820, TransUnion 803)
• * Oldest credit card account age with you as primary name on the account: 25 years Kohls Department card opened by my parents in my name
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 2
• * Annual income $: (Gross Household Income 175k)

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: No
• * Estimate average monthly spend in the categories below.
  • * Dining $: 500
  • * Groceries $: 500
  • * Gas $: 500
  • * Travel $: All travel paid for with Capital One Venture X points
  • * Do you plan on using this card abroad for a significant length of time (study abroad, digital nomad, expat, extended travel)?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): N/A
  • * Any other significant, regular credit card spend you didn't include above?: Hobbies/Leisure $500
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: No

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: Yes
• * Current Verizon postpaid customer?: No
• * Current member of Costco or Sam's Club? Yes Costco
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? No
• * Current member of Chase, US Bank or any other big bank?: N
• * Active US military?: No
• * Are you open to Business Cards?: (these are an option if you have any kind of side gig, such as selling on eBay or Etsy) No

PURPOSE

• * What's the purpose of your next card (choose ONE)?: To get membership point reward bonus for big purchases that come with first time home buying.
  • * If you answered "first credit card", are you an authorized user on any other cards?
  • * If you answered "balance transfer", please give details as to why:
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? Usually fly Delta
• * Do you have any cards you've been looking at? Yes - I have been looking at the promo for Chase Sapphire Preferred as well as the American Express Gold (Just got email promo 90k membership points for $4000 spent in the first 6 months for Amex Gold)

Hi all! What card/s would you recommend I add to my wallet? I’ve recently been trying to learn how to take advantage of credit card rewards (including for my existing cards, I’ve just been too busy working 2 jobs and getting a PhD for the past 6 years to even try). I’m about to go on a several-month-long trip to several countries as a graduation present to myself I’ve been saving up for, and I’d love to get into taking advantage of travel rewards (or, at the very least, having no foreign transaction fees). I’m also open to any general advice… this sub has been so helpful and I view you all as all-knowing at this point. 😅 Any help would be greatly appreciated.
Current cards: * Discover it Chrome, opened in 2016 (first card, started as secured), $12,600 limit * Wells Fargo Active Cash, opened in 2021 (as a Propel card, they auto-switched me after it was discontinued), $3,300 limit * Citi Diamond Preferred, opened in 2022, $7,200 limit
FICO Score: 797 per Citi Bankcard Score 8 based on Equifax, 782 per WF FICO Score 9 based on Experian, 778 per Discover FICO Score 8 based on TransUnion
Oldest account age: 7 years, 10 months
Number of cards approved for in last 6, 12, 24 months: 0, 0, 1 (Citi)
Income: $80,000
Average monthly spend/categories: Honestly, I just make sure to keep a small balance on my Discover card because it’s my oldest account and my score drops significantly whenever I let it hit $0, but my other 2 cards have $0 balances… I used them for balance transfer cards and paid them off.
Memberships: Amazon Prime, US Bank
Open to business cards: Not currently
What’s the purpose of your next card? Travel, no preferred airlines/hotels
Do you have any cards you’ve been looking at? Not particularly, I’m feeling a bit overwhelmed by the whole process. I was thinking maybe a Chase card and a Capital One card for the points transfers (Visa and Mastercard since they’re widely accepted abroad)? Please help, I’m trying my best over here. 😅
Are you ok with category spending or do you want a general spending card? Unsure… very open to recommendations.

I work at a clinic and I didnt realize before entering this field that it was the Administrative employees who send in the referrals that get made by the medical professionals.
It feels like a bad workflow to me? Like I am the only person who Is able to send out referrals at my workplace. I was sick last week, so those referrals were just never sent.
Plus you have to Google the fax number, And just hope it's up to date correct information once you actually manage to find it because nowhere wants to have their fax number in an obvious place for some reason.
Shouldn't there be a better way to handle referrals? Just feels like a lot could go wrong along the way with the way those currently get handled, plus it just takes forever to find where to fax them.

A housing agency is asking for my income verification (VA Disability), I usually print them off by accessing them online but they stated that they would not accept it. They said the VA needs to send it directly to them by mail or fax.
Does anybody know the number to call so I can request this? Any advice will help Thanks.

I signed up for a subscription on FlashFax, which is online faxing, since I don't have a fax machine and needed to receive a fax.
I had the person send it to the number they provided me 6 times. It never went through. I had them then do it to a fax machine my brother had, it went through immediately.
I asked them for a refund, they said no since, "they can not find record of any sent fax", which is ridiculous of course since their system is broken so that's why.
I want to dispute this charge on my card, but am not sure what I can do

I'm looking for some advice and feedback. I've been trying to get an update on my Niederlassungserlaubnis application from the Ausländerbehörde, but they haven't been responding to my emails. I recently found their fax number and thought of sending them a fax.
I don't have a physical fax machine, so I'm considering using an online fax like PDF24 Fax. Has anyone used this service before?
Also, since I don't have a fax machine, how would I receive a response if the Ausländerbehörde decides to reply via fax? Is there a way to receive faxes online, or should I provide them with an alternative contact method, like an email?
Additionally, is there any specific format I need to follow while sending the fax?

Would anyone be able to provide any insight as to why my Capital One Venture X application was denied? I am having difficulties understanding the outlined reasons below:
Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your application and information obtained from your consumer credit reports) from the consumer reporting agencies detailed on the back of this letter - we cannot approve your request at this time.
The reason(s) for our decision are:

• Based on your credit report from one or more of the agencies on the back of this letter, there is insufficient credit card history
• Based on your credit report from one or more of the agencies on the back of this letter, time since opening a credit card is too short
• Based on your credit report from one or more of the agencies on the back of this letter, number of closed accounts
• Based on your credit report from one or more of the agencies on the back of this letter, length of revolving credit history

If you feel we missed something or misread your information, then please write to us at P.O. Box 31290 Salt Lake City, UT 84131-0290 and include your Application ID number referenced above. (Please note: we recommend you contact the consumer reporting agencies first to ensure they have accurately reported your information to us. Contact information for the consumer reporting agencies is provided on the back of this letter.)
We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.
Sincerely, Capital One Customer Care Team
Here is some additional info for context:
Employed Total annual income: $168,341 Monthly rent/mortgage: $0 How often do you carry a balance on personal credit cards? (left it blank) Checking or savings accounts with Capital One: zero Payment history: never missed a payment Credit card usage: excellent Almost never carry a balance when payment is due 2 closed accounts 2 cards are with Capital One (one from 12yrs ago is an authorized user account that was created to establish credit) Credit age: 4 years and 11 months Derogatory marks: zero Hard inquiries: 0 before applying (now 1) Last credit card that I was approved for was in Dec 2023 Equifax 822 (after hard inquiry) Experian 794 (after hard inquiry) TransUnion 821 (after hard inquiry) $128,000 available credit across all cards 13 active accounts:
Capital One - 12yrs, 9mo PayPal - 10yrs, 11mo Capital One - 6yrs, 7mo Chase - 5yrs, 3mo Amex - 5yrs, 1mo Chase - 5yrs Chase - 4yrs, 9mo Chase - 4yrs, 4mo Chase - 3yrs, 3mo Chase - 3yrs Chase - 2yrs, 3mo Citi - 1yr, 4mo Amex - 5mo

I'm looking for some advice and feedback. I've been trying to get an update on my Niederlassungserlaubnis application from the Ausländerbehörde, but they haven't been responding to my emails. I recently found their fax number and thought of sending them a fax.
I don't have a physical fax machine, so I'm considering using an online fax like PDF24 Fax. Has anyone used this service before?
Also, since I don't have a fax machine, how would I receive a response if the Ausländerbehörde decides to reply via fax? Is there a way to receive faxes online, or should I provide them with an alternative contact method, like an email?
Additionally, is there any specific format I need to follow while sending the fax?

URL/Website *
https://baileymindbodycxn.net
Keywords
Mental Health Clinic in Aurora CO
Description Short
From individual therapy, our mental health care services are tailored to offer support and effective strategies for coping with life’s challenges.
Description Long
Mental health care encompasses a wide range of services designed to support individuals dealing with mental health issues, such as depression, anxiety, bipolar disorder, and schizophrenia. This critical aspect of healthcare aims not only to alleviate symptoms but also to enhance the overall quality of life, fostering resilience, and promoting recovery. In an era where mental health is increasingly recognized as vital to overall well-being, comprehensive mental health care services stand as a beacon of hope and support for many.
Owner Name
Lori Bailey
Business Address *
15200 E Girard Ave Suite 2500,
Aurora, CO 80014
Business Email
[lori.bailey@baileymindbodycxn.net](mailto:lori.bailey@baileymindbodycxn.net)
Business Phone *
720-856-0300
Business Fax
720-844-3303
Year Found
2022
Number of Employee 2
Operating Hours
Monday Closed
Tuesday 9AM-6PM
Wednesday 9AM-6PM
Thursday 8AM-5PM
Friday 8AM-5PM
Saturday Closed
Sunday Closed
Social Media Links
https://www.facebook.com/baileymindbody
https://www.linkedin.com/in/lori-bailey-phd-pmhnp-bc-cne-31245a42/
https://maps.app.goo.gl/Rs3Z8nqdVdfre9Rr5]

BUCKLE UP BABES BECAUSE THIS IS A DOOZY. I (26f) worked at an insurance company for 2 and a half years. I will just reference it as “INS CO” from now on. In my town, this company is prized for treating their employees well, so when I was looking for a job originally, I thought this would be a good company to work for. Well, I thought wrong. In general, yes, the company as a whole DID treat us well. They were VERY generous with PTO, we had a whole cafeteria to get lunch in, a coffee shop, every other Wednesday a massage therapist came to the building and gave us massages, and we even had our own employee gym.
However, my particular department I worked in was very lack luster. When I initially was hired onto this department, I had a manager who I will call “April”. We got along great. We had a great work relationship. However, there was a second manager who I will ABSOLUTELY call “Karen”. She was a micromanager, constantly walking up and down the isles in the office seeing if we were doing what we were supposed to be doing. There was a strict no cell phones policy at this company, which I abided by. But occasionally I would glance at my phone to see what a notification was, and lone behold Miss Karen was right there with a “put your phone away”. This happened several times. I wouldn’t even be texting. I would look at my phone and put it down. However, at the same time, I would catch her on her phone, not talking about work or business. She would just be casually talking with someone.
Hmm okay. So I bring it up with my manager “April”. It gets brought up to “Karen” with her boss. Those calls stop for a while, only to start back up again. “Karen” also liked to hide away in conference rooms so she wouldn’t have to do work.
When I tell you no one in the office liked “Karen” I’m not joking. This lady had the Karen haircut and everything.
Fast forward to October 2023. A bunch of company layoffs happen. It was a scary time. A bunch of people got let go, including two of my coworkers. As for “April”, I find out she got demoted from supervisor and was now on the same level as me. Who did that leave me with? “Karen”. It left a bad taste in my mouth. I began searching for jobs, but not actively doing so. Just casually. That is when all hell broke loose. “Karen” would have what she would call “coaching” sessions with me over simple mistakes I would make. Little did I know, she would be writing me up as well and not making it abundantly clear that this is what these coachings would lead to.
I had some issues with her involving her being extremely rude to me and honestly there were times she would set me up to fail and make me feel less than. That is when she would write me up. One time, I had offered help to my coworkers with letters because I was caught up on my work. She stormed up to my desk saying “you are not authorized to do that!” Wild right?
This all came to a head on march 22nd 2023, when I walk into work on a seemingly normal Friday morning. The day before we just got paid, I got tickets to go to Lollapalooza to see my favorite band and I was in a good mood. But “Karen” was waiting for me at the door. “Oh great.” I thought. I had a feeling what was happening. Long story short- I got fired.
Here are the exact reasons why: 1. I had a call disconnect on my line. No problem, It happens. I tried calling the customer back twice. It came up with that “line busy” tone. So most likely they were calling back already. “Karen” claimed I did not follow proper protocol. Well, not without lack of trying.

1. On one singular occasion, I accidentally gave a caller an incorrect fax number. Sure, maybe if I was a robot I would not make that mistake.

There were two other reasons listed on my disciplinary sheet, but I don’t remember them.
Unfortunately, where I live as an “at will” state, meaning employers can fire you for whatever they please. It sucks, but that’s just how it is.
I did not know if I wanted to cuss out Karen and her little butt buddy HR friend in the room, or laugh in her face with how stupid these reasons were. Regardless, I left and immediately started plotting my revenge on the drive home.
I still had her phone number in my phone in case I had an emergency. So before I deleted her contact, I decided to send a few gifts her way. I signed her up for ads and emails and other random spam messages to her phone number. So I hope this Karen enjoys her text messages for STI/ STD testing, planned parenthood and Viagra.
As for me, I got a new better job only 3 weeks later and I’m happier and still petty with that company and “Karen”. 😁

Template below. For quick background: I am 23 years old and living in ATL (Delta airlines). I am looking for a new card mostly because I know AMEX Platinum, which I spend my daily money on right now, is not the best for points accumulation. I have looked into AMEX Gold to solve that, but I mistakenly got Platinum first, and now and probably not eligible for Gold welcome bonus. I also am able to pay rent with BILT so I have thought about that card as well. Would look feedback on what I should get and also if I should close my Sapphire Preferred card ($95 annual fee hit 2 weeks ago so need to decide on that within 12 more days to get that refunded). I mainly only use that when I travel internationally and they don't take AMEX. Thanks!
CREDIT PROFILE

• * Current credit cards you are the primary account holder of: (list cards, limits, opening date):
  • American Express Platinum Card (1/2023, N/A limit)
  • Chase Sapphire Preferred (4/2022,$11,500)
  • Chase Freedom Unlimited (6/2021, $6,800 limit) - Don't really use
  • Apple Credit Card (6/2023, $7,500 limit) - Use only in 3% categories. Got it for Savings account.
  • Wells Fargo Active Cash Card (11/2019,$2400 limit) - First card, don't use
• * FICO Scores with source: 730 with Equifax and 727 with TransUnion
• * Oldest credit card account age with you as primary name on the account: 4.5 years
• * Number of personal credit cards approved for in the past 6 months: 0
• * Number of personal credit cards approved for in the past 12 months: 0
• * Number of personal credit cards approved for in the past 24 months: 2
• * Annual income $: $120k

CATEGORIES

• * OK with category-specific cards?: Yes
• * OK with rotating category cards?: Yes
• * Estimate average monthly spend in the categories below. Only include what you can pay by credit card.
  • * Dining $: 400
  • * Groceries $: 400
  • * Gas $: 100
  • * Travel $: 300 (This is budgeted monthly, I travel internationally ~1 year and domestically a few times too)
  • * Do you plan on using this card abroad for a significant length of time?: No
  • * Any other categories (examples: phone/internet, insurance) or stores (example: Amazon) with significant, regular credit card spend (the more you specify, the better): No
  • * Any other significant, regular credit card spend you didn't include above?: No
  • * Can you pay rent by credit card? If yes, list rent amount and if there's a fee for paying by credit card: $2300, no fee if I use BILT. This is major item I want feedback on. Thinking about adding BILT card.

MEMBERSHIPS & SUBSCRIPTIONS (delete lines that don't apply)

• * Current member of Amazon Prime?: Yes
• * Current Verizon postpaid customer?: No?
• * Current member of Costco or Sam's Club? No
• * Currently paying $13.99/month or more for Disney Bundle (Disney+ / Hulu / EPSN+) or other Hulu services? Yes
• * Current member of Chase, US Bank or any other big bank?: Chase
• * Active US military?: No
• * Are you open to Business Cards?: Not currently. Might start business soon, but no timetable on that.

PURPOSE

• * What's the purpose of your next card (choose ONE)?: Travel rewards (saving too)
  • * If you answered "travel rewards", do you have a preferred airline and/or hotel chain? Delta and Marriott if possible but Marriott is not as strict as Delta
• * Do you have any cards you've been looking at? BILT, American Express Gold, American Express Delta card.

Looking at a CPO '23 Macan GTS with high 4-digit miles at a Porsche center. Was about to make the deal and asked for photos of rock chips since there's no paint protection film on the front end. Was then told by the general manager (who I'm on the phone with) that he makes sure all CPO cars look like new and that the hood was resprayed and the front bumper replaced and resprayed. I asked why and he said it was over 5 or 6 rock chips. Says it was sent down the street to the Porsche certified body shop (that checked out in that it exists and is a certified shop).
Question is why would a P-car dealer spend, I'm guessing, $5k or more on this project to then sell it at a reasonable to low number? He agreed to providing a letter on their letterhead explaining this in case I need it down the road when I sell it in order to assuage my fears. But something seems weird.
Do I care? It's priced right, maybe a little lower than expected (I have a similar GTS I'm selling with a lower original MSRP so I'm comparing a rather aggressive trade value on it at a different Porsche center to make the assessment on this car's "right" number). Nothing is on the CarFax at this point so there's no apparent accident to consider, plus they'd be hard pressed to CPO a wrecked vehicle in this fashion, I'd think.
I love the idea of paying the right price for this fuller featured car than my current one and making the trade, but I don't want to buy a headache either.
FWIW, I plan on an onsite inspection to see it in person (it's 7 hours away from me). Trying to do my homework ahead of that if possible.
Thoughts?

I was just reading an email and saw a fax number at the bottom of the email. Who still uses fax machine these days?

Small business owner here (3 emp), and had a couple of questions prior to switching from Comcast

1. The previous owner had a fax machine accepting faxes on a number at one point. Then she purchased a fax service, and now the original number is forwarded to the new service. However, that costs a full seat on Comcast. Can we use a local number to simply forward without requiring a full seat? Unfortunately, comcast does not show how many incoming calls come in per line. Trying to prevent purchasing a full seat. Cant test this out on RC without buying in.
   
2. Is this possible --- Each person in the office does not require a separate DID. At most, we may only have up to 3 concurrent calls. We're also using physical handsets, not soft phones. Could we reduce our seat license to maybe 1 or 2, and simply have shared phones around?
   

My cards were all stolen and I'm looking to put in some kind of protection/monitoring. The wallet was left with my license only. I've still put in a request for a license with a new card number though and reported credit and bank cards as stolen...but I still feel uneasy. I like the sound of equifax and would pay for the peace of mind and to use the services but I remember reading some really strong views against them during the Optus breach. If it's so bad does anyone know about another option? Does anyone think Equifax is the way to go regardless of their own data breach? Thanks!

So, here is part 2 of my entitled employee story. We left off with discovering Sally’s retaliation of giving me trash as a Christmas gift after her latest write-up.
So, the next several weeks, I am noticing more problems, but here’s some of the highlights.

1. Ever since we had issues of the office’s checks going randomly missing, Sally had apparently decided to just stop throwing any envelope away when opening the mail. She would supposedly search the envelopes/paperwork & then keep the envelopes with the paperwork. So, instead of doing her job better, she would decide to just stop doing the job at all. After all, you can’t get in trouble for screwing it up if you aren’t doing it, right? However, this resulted in items getting left with the paperwork (which sometimes wouldn’t get touched for several weeks due to being busy) that had needed to be collected or addressed right away.
   
2. Sally’s careless mistakes continued at about the same rate (average of 2 to 3 a week). She would put deposit slips/emails with the wrong office’s report, put one office’s mail in another office’s bin, put one office’s funding papers in another office’s bin, put one office’s bills in the folder for their correspondence & vice versa, put one office’s bills in the folder for another office’s bills, put the new month’s bills in the folder without taking out the old month’s bills so they would get mixed up. I could go on & on.
   
3. Sally would still ask for help on things she shouldn’t need help on anymore, ‘cause I had helped her many times on items exactly like it in the 2 years she’s worked here. I mean, the whole point of asking for help when learning new things on a job is so you can take the input you’re given & use it to get better at the job so you don’t have to ask for help anymore. I mean, what kind of office works by their employees constantly needing to be walked through everything every day? Sally would even ask for help on things no one would need to ask for help on. For example, she asked me, “An office took a deposit to the bank without showing it on their report. How do I write that up in the letter to fax to them?” Um, exactly what you just said to me. Or another time, she asks how long she should wait before calling an office back. Well, how long do you think you should give them? Just use your good judgment. You don’t need help with that! Again, you’ve been here 2 years!
   

On Jan 26, I take the Dec bills, correspondence faxes, & timesheets out of their folders to scan them into the computer. Now, one thing the bills should always have on them are the check number used to pay for this purchase & the date it was paid. The offices themselves are supposed to write this on there, but they don’t always, which is why it is our job to write it on there if it’s missing. I had noticed when I scanned Nov’s bills around Nov 30 that a lot of Sally’s offices don’t have that info written on them. So, I explained to her what needed to be written on every bill/receipt. I now flip through the Dec & Jan bills of her offices really quick to check them. There are quite a few of them with no info written down on them. There’s strike one for noncompliance.
Another task we would do several days a week (that’s Sally’s responsibility) is to check the bank accounts online. She is to look at the bank balances & report any low balances to Greg (or me if Greg isn’t there). She is then to look at the transactions in order to see if anything looks fraudulent. Since we are a loan company, check fraud is very common for us. So, we look at the checks for anything funny-looking, & we look to see if there are any auto debits (like when you use your bank account online to pay for a bill) that would tell us if someone got hold of our bank account info.
On Jan 30, at 1:15 p.m., I asked if any of the bank balances were low (Greg was out of town for a few days). Sally said she had forgotten to check the bank accounts that morning. Weird, ‘cause you had to check the Dallas office to make sure the money we sent them had shown up. How did you get the login sheet out to look in their bank account but then forget about checking all the bank accounts? This just further cemented in my mind that she was NOT checking these bank accounts the way she should. I was 100% positive that all she does when logging into these bank accounts is checking the balances to give to Greg but then never checks the transactions. I know this ‘cause, 1) I’ve observed Sally only logging in to write down the balances & then logging back out (she had some flimsy excuse ready when I asked her about it), 2) there have been auto debits that appeared in bank accounts that we didn’t find for weeks until I happened to see it for some reason & guess what? She never pointed those out to us, & 3) Sally hadn’t bothered to check the bank account balances since Greg was out of town, so clearly she only felt the need to check the balances. There’s strike two for noncompliance.
& even more bad mistakes or decisions:

1. At the end of Jan, we discovered that Sally had mailed the employees’ W2s to the managers’ home addresses instead of to the offices to distribute to their employees!
   
2. We had an office that moved locations to right across the street, so the only thing that changed in their address was their street number (12 Main Street instead of 11 Main Street). I explained this to Sally & gave her an updated list of the office’s addresses. 3 weeks later, we get a call from that office saying that mail we send to them keeps going to their landlord’s house. I check the address labels Sally had created for herself. Sure enough, it had the wrong address on them. I go to grab the lease, & at the top is where the tenant’s new address is listed. & all the way at the bottom of the page in the paragraph titled “RENT” where it lists where to send the rent is the landlord’s home address. & that’s the address Sally had chosen to be the new office’s address on her address labels.
   
3. Sally hadn’t been faxing the offices to ask for bills/receipts that never made it to us.
   
4. I used the last towel on a roll of paper towels, so I went to the cabinets to grab another. We were out. Sally is in charge of keeping track of supplies that need ordering, so I go to Sally & say we’re completely out of paper towels, we need to order some. Sally response: “No one ever tells me when they grab the last roll so I know when to order them.” Um, excuse me, since when is it our job to tell you to do your job? It’s your responsibility to keep track of supplies. You should be checking the level of paper towels, toilet paper, Kleenex, etc., to see when you need to order them.
   

So, I knew she needed a second warning write up for carelessness cause of the numerous mistakes since the first warning write up in the middle of Dec, & I would be giving Sally a first warning write up for negligence cause of her not asking the offices for missing bills & not writing the info on the bills I had told her to do at the end of Nov. However, it was only a few days from Feb, which was the time for performance reviews. So, rather than doing a write up now & then in a week or so doing a performance review that was one of the worst performance reviews I’ve ever heard of, I decided to just do it in one fell swoop. You know, just get it all out of the way with one bad conversation, one bad day, & then both of us can hopefully put it behind us & move on.
I decided to do the performance review & write ups on Feb 5 (Monday). It went much smoother ‘cause Greg was there, so Sally couldn’t really give me lip or lash out by showing attitude & anger like she had previously.
On Feb 7 (Wednesday), I log in to get the transactions for an office who is switching banks. I wanted to get an updated list of outstanding checks so they know how many checks are left before they can close the old bank account. & what do I see? Someone had used the bank account to pay $100 on their AT&T bill. I call the office & find out it was actually them, so no fraud there. But I then ask Sally if she had seen that when checking the bank accounts. She said she didn’t remember. Obviously, I have found my proof that she is either not checking them or isn’t paying attention when she does. I have a discussion with Greg about it, & we decide I need to have a sit down with her about her not doing her job. She is sick on Thursday, so I plan to talk with her the next day she comes in.
On Feb 9 (Friday), I begin the conversation about checking the bank accounts & how important it is. I am planning to say things like, we expect you to do this job, you’ve been told multiple times to do this task, if you’re not going to do the job, then you’re welcome to go find another one, etc. But she cuts me off at the beginning with an excuse of, “Well, I didn’t know what I should be looking for, now I know.” & it broke me. She does this exact thing every time I have to have a conversation with her. She has an excuse ready to go on the tip of her tongue, always spins it around so it’s not actually her fault. It’s always, “Well, I didn’t know that, but now, I do.” & I was just done. I didn’t continue the conversation, even though I needed to, ‘cause I just broke down in tears from the stress of having to discipline her & knowing that nothing will ever come of it, but having our hands legally tied to be able to fire her right now. I cried nonstop for over 4 hours.
On Feb 12 (Monday), I sat down to continue the conversation, this time with a written statement for her to sign.
Me: You respond a lot of the time that you don’t know how to do things, which is very frustrating, ‘cause you’ve been shown multiple times how to do these tasks. It’s very inefficient & wasteful that I have to constantly check all of your work & retrain you on the same thing over & over again. This needs to change. This job is about accuracy & accountability.
Sally: You’re not giving me a chance to improve. I never hear “Good job,” from you. All I ever hear is, “You’re doing a bad job, sign this paper.” I get in trouble every time I ask for help, so I guess I’ll just follow the instructions & hope I’m doing it right.
The problems with that response:

1. You’ve worked here for 2 years, Sally. You’ve had plenty of time to improve.
   
2. The reason you never hear “Good job” is ‘cause you’re not doing a good job. How am I supposed to tell you “Good job,” but also need to give you a write up for doing a bad job? If you’re getting multiple write ups for doing a bad job, don’t you think that’s a sign that something is wrong? I mean, she thinks that managers should be telling their employees good job on everything they do right. No, you’re expected to do these tasks. We’re not going to congratulate you every time you do your basic job requirements like some toddler that needs constant positive reinforcement so they know that doing something right is a good thing! You will hear “Good job” when you are doing a really good job on something, when you go above & beyond!! I mean, do you think Greg tells me “Good job” when I’m just doing my job as expected?!! NO!!! I’ve never had a manager constantly tell me “Good job” all the time!!!! (Whew. Sorry about that. Kinda went on a crazy rant there. I’m good now.)
   
3. Here’s another example of her mentality of “if I don’t do the job, I can’t get in trouble for doing it wrong.” She’s going to stop asking for help instead of using the help I’ve given her to do better. I mean, if you’re making these mistakes when you ARE asking for help, how many more are you going to make when you stop asking for help? How does this make any logical sense?!
   

Well, here’s another chance for some malicious compliance. She claimed she didn’t know how to check the bank accounts, right? Well, my job as the manager is to make sure my employees know how to do their job. So, I need to sit down with her & train her how to check the bank accounts. Again. Even though I know she already knows how to do it. So, every time you tell me that the reason why you didn’t do a job is ‘cause you didn’t know how to do it right, well, we’re going to sit down & waste both our times & annoy you having to be retrained on something you do, in fact, know how to do.
Sally continues making careless mistakes & not doing stuff she doesn’t think she should have to do. Like answering the phones. It’s her job to answer the phones; that’s something I as the manager should be delegating to her. However, she never answers the phone unless I literally can’t. So, I had asked her to start answering the phone more. She will wait until the last possible second before answering the phone. By that time, it’s already rung twice, so I have to answer it before it goes on any longer or they hang up. One time, we were both away from our desks when the phone rang. We both went to answer it, but she was closer & got to her desk before me, put her hand on the phone, & watched me until I got to my desk before she picked it up. With a comment of, “Oh, (laughs) I didn’t want to make you walk all the way to your desk.” Well, you did, anyway, you little jerk.
On Feb 27, Sally asks for help on a report. She says that my note stating the office is over-deposited $28 on report 1 but fixed on report 2 by being $28 under-deposited didn’t work out. She says that they were never over by $28 in the first place. I take the report to look it over. Her calculator tape adding up the deposits shows the bank is in balance, but I don’t see deposit slips.
Me: Where are the deposit slips?
Sally: I haven’t gotten them yet.
Me: (trying to comprehend her logic) Then how do you have the deposit amounts added on this tape?
Sally: I got the amounts from the report.
Me: You…(my brain trying not to implode at this point) you can’t add up amounts to see if the bank has too much or too little money in it without knowing what was actually taken to the bank. The amounts on the report don’t always equal what was taken to the bank.
I log into the bank account & discover just that: the report says they took $500 to the bank, but their deposit says $528. They were indeed $28 over-deposited. I then lecture her (for the second time in a few months) on the correct way to account for the deposits at the bank, that we are only to use the dollar amounts on the bank’s deposit receipt. (The first time was her getting the deposit amount from what was written on the deposit slip instead of what the bank gave us credit for on their printed receipt. The bank had shorted us $500, & we never knew until her deposits didn’t work out when reconciling the bank statement at the end of the month. We were missing $500 for 4 weeks! It’s a miracle we didn’t overdraw the account.)
Another task that we do several days a week is checking the CFPB website. This is a government website that uses federal regulations to monitor financial institutions. It’s like the Better Business Bureau, but more official. Customers can make complaints through them, prompting an investigation to make sure we’re following the federal guidelines. We have 2 weeks to respond to a complaint before it is past due.
On Feb 29, Greg just happens to be looking at an email inbox that he never checks, ‘cause after all, we’re checking the CFPB website, so he doesn’t have to look there, right? There is a complaint in 2 of the portals that have been in there since Jan 22. He immediately marches out & tells Sally about them.
Greg: Aren’t you checking the CFPB sites?
Sally: Yeah, I am.
Really? Then how come you didn’t print this complaint off to give to Greg in the last 6 weeks? She came back from lunch to a second warning write up given by me for negligence.
On Mar 5 (Tuesday), we are working on reconciling the bank statements so we can close the month of Feb. Sally brings me a Jan bank statement for an office.
Sally: This never cleared in Feb.
I look at the bank statement. It’s an electronic deposit of $254 on Jan 31. I remember this. She had asked me at the beginning of Feb why this deposit wasn’t recorded on the office’s report. I explained that since it didn’t show up in the bank account until the last day of Jan, they might not have known about it before the end of the month & so recorded it on the first of Feb. We will wait until the first report of Feb. If it’s still not recorded, then we’ll bring that to the office’s attention. & here she is, clearly telling me she hadn’t brought it to anyone’s attention all month long.
Me: (staring at the bank statement as I try to prevent my autistic brain from exploding at her while also trying to prevent a spontaneous stroke) You didn’t keep track of this all month?
Sally: Well, I didn’t know if it was treated differently ‘cause it was OTBP (One Time Bill Pay, which is the electronic deposit). (Oh, what a shocker, she once again didn’t know how to do something.)
Me: But we talked about this. If it wasn’t on the first of the month, we needed to address it.
Sally: Okay, well, now I know that we treat this the same as other deposits. (goes nonchalantly back to her desk like it was no big deal, like she hadn’t just revealed she had once again disobeyed my detailed instructions)
Me: (seeing her flagrant disregard for the seriousness of the situation & wondering just how on earth she could once again think that not doing her job would have no consequences) This is exactly what Greg talks about over & over, about how we can’t leave errors like this to sit for weeks & weeks, that these need to be dealt with as they happen.
Sally: (still as easy-going as if she had simply used the wrong color highlighter) Okay, I’ll make note of that.
Now, I am getting really pissed off. She keeps saying, “Oh, now I know that OTBP is treated the same as everything else.” That doesn’t matter! It doesn’t matter that you didn’t know it’s treated the same! I specifically told you to take care of it if it didn’t appear on the first of Feb! It didn’t matter what kind of deposit it was! I said to tell me if it wasn’t on the first of Feb!
Now, this was right before she leaves at 3:30, so by the time I’m finished with my text conversation with Greg (‘cause he isn’t there that afternoon), she has already left. But I’m telling Greg that I have once again caught her being negligent, & she’s already had 2 written warnings about this, which means our next step is letting her go. Not to mention, her carelessness is still continuing. He said that he supports my decision to let her go. By the way, the final decision happened an hour after she left. If I had known before she left that we were indeed going to fire her, I would have done it before she left so she didn’t have to come all the way to work in the morning just to leave again.
So, on Mar 6 (Wednesday), I arrive early to work so I can be prepared. I am standing at my desk, watching her come in. This is unusual, so she frowns as she approaches me.
Me: Sally, we need to talk.
Sally: (still frowns at me)
Me: (handing her the typed up notice) We are going to read this together. “When reconciling the month of Jan, around Feb 5, it was brought to my attention that we had a deposit that hadn’t been reconciled. I gave you instructions to wait a report to see if it works out. If not, you would need to bring it to mine & the office’s attention for further instructions. This wasn’t done. It wasn’t until Mar 5 that you brought this to my attention again. You have been told many times the importance of reconciling the financials of the office. You have been warned several times of negligence. This is another example of negligence with respect to your job. All you had to do was follow my instructions. It is for this reason that it is now time to terminate your employment.”
Sally: When did you tell me to do this?
Me: (thinking, “Um, I kinda just told you when I told you do that, but, okay.”) When you showed me the Jan bank statement—
Sally: Yesterday?!
Me: You showed me the Jan bank statement a month ago when you were reconciling Jan. I told you to wait for the first of Feb & then—
Sally: You did no such thing!
Me: Yes, I did, Sally.
Sally: When does Greg get here?
Me: Around 9, like usual.
Sally: I’m calling him, ‘cause this is ridiculous. You’ve had it out for me from the very beginning.
Me: No, I haven’t.
Sally: Yeah, you have. Just like the other 2. (sets her bags at the front door, goes outside, & calls Greg)

1. How could I have had it out for you from the very beginning when we didn’t have problems for the first year & a half you worked here? If I’d had it out for you from the beginning, you wouldn’t have had a job the past 6 months. Need I remind you what Greg told you about the timesheet thing being something we fire someone for on the spot, but that Molly had gone to bat for you & gave you a second chance? Why would I have done that if I had wanted you gone from the start?
   
2. “Just like the other 2.” She’s talking about Irene (who had left in Feb 2023) & another employee (who we’ll call Phil). Phil had been fired (by Greg, by the way) for continuing to watch movies on his phone at his desk despite being told multiple times by Greg to not do that. & Irene? She wasn’t fired. She gave her 2 weeks’ notice. & we then discovered when going through the work she’s been doing as we started taking over her tasks that she didn’t just not do jobs. She would actually forge the work so she wouldn’t have to work. “A bank imbalance of $2.65? Well, I’ll just add it to the imbalance that’s been building up for who knows how many months & just label it as an over-deposit from the end of the month. That way, I don’t have to look into why the bank isn’t balancing.” But no, I had it out for them, apparently.
   
3. Does she really think that calling Greg was gonna reverse my firing her? Does she really think I would do something as drastic as writing her up or firing her without discussing it with my supervisor first? Did she really think I would do this behind his back?
   

Apparently, she did, ‘cause Greg confirmed that Sally tried telling him about all the stuff I’ve been doing to her as if he didn’t know. She hung up on him when he explained that he’s been told everything as it happens & he supports this decision.
Sally: (storming back into the office & towards her desk) I’m not signing anything.
Me: Ok.
Sally begins packing up her desk. I had known she kept a lot of personal items at the office, so I had gotten a big box or 2 out & placed them nearby for her to use to pack up her desk.
Me: We can give you a box if you need it.
Sally: I don’t need sh** from you guys.
Me: The only thing we’ll need is your office key.
Sally: You’ll get it when you get it. I’m packing my desk.
Me: Ok.
I go back to work, keeping an eye on her as she packs to make sure she doesn’t take anything she’s not supposed to or damage any company property. Sally at some point decides to use the boxes she didn’t want from us to pack up her many items. She takes both boxes to the front door where her bags are & sets them down to put the last of her things in. She picks up one box to take outside.
Sally: You are the worst manager ever. (goes out the door)
Me: (shrug)
Sally: (comes back in for the final box) Seriously, you’re the most evil person I’ve ever met. (leaves)
Really? I rank worse than the guy that beat you up? I’m worse than him?
I continued watching her to see if she’s going to come back to give up her office key. As she packed up her car, another employee had arrived (we’ll call him Randy). He had run into her on the way in & asks me if Sally quit. I explained, no, she was let go. I then see that Sally has gotten behind the wheel of her car without coming back to give us the office key.
Me: Well, I guess we’ll just change the locks.
Randy then takes it upon himself to go out to her car. He phrased it very gently by saying he wanted to spare her having to come back in to turn the key in.
Sally: I guess Molly didn’t have the balls to do it herself. (hands the key over)
& then…she was gone. Despite having to do the entire corporate office’s work all by myself & falling steadily behind little by little, I have never been more happy. I had forgotten how much I loved my job & how much I couldn’t wait to get to work. I haven’t been this stress-free in 6 months, & it feels fantastic! & the great part is, I’m not really falling as far behind as I expected to without her. Having to do 2 people’s jobs by myself is only affecting me a little. Really goes to show you how bad she was for the company & for my job when she disrupted everything that much. For example, me & her would get through maybe 5 to 6 offices’ reports between us in a single day when playing catch up after closing the previous month. One day? I caught up on 10 offices’ reports in a single day. By myself.
Oh, did I mention she smoked marijuana most days on her way to work or while on her lunch break? We could never actually prove it. But, come on, you don’t smell that strongly of marijuana on only select days if you aren’t smoking it recently. If it was leftover from the smell of your house or car, you would smell like that every day. But it was only some days she would come into work or back from lunch smelling like that. Obviously, smoking on the job. So very glad to be rid of her & her awful skunk smell. Although, I do wish her well on a new job search. I don’t wish ill on anyone, ever. But I am just glad she’s no longer my problem to deal with.
(Added 2 months after she was fired): By the way, I am actually gaining on my work. I’m not only not behind on my work, I’m actually getting it done soon enough to work on extra stuff. Also, out of the blue, we’ve started getting about 3 to 4 sales & scam calls every day since Sally left (for things like better Medicare benefits, better retirement benefits, & even one time recently where “Walgreens” was calling to ask if I still had diabetes). I’m convinced Sally signed us up for calls as retaliation. I hope they die down soon, especially as they are starting to get rude. (Our response to every one of these is “Sorry, this is a business.” This one guy responded to me with, “This is my job.” I said, “I understand this is your job, but this is a business. I am not allowed to take personal calls.” He said, “Why?” I said very slowly & firmly, “Because I’m working!” He started to say, “Can you explain to me why—” I hung up. Jerk.)

So, here is part 2 of my entitled employee story. We left off with discovering Sally’s retaliation of giving me trash as a Christmas gift after her latest write-up.
So, the next several weeks, I am noticing more problems, but here’s some of the highlights.

1. Ever since we had issues of the office’s checks going randomly missing, Sally had apparently decided to just stop throwing any envelope away when opening the mail. She would supposedly search the envelopes/paperwork & then keep the envelopes with the paperwork. So, instead of doing her job better, she would decide to just stop doing the job at all. After all, you can’t get in trouble for screwing it up if you aren’t doing it, right? However, this resulted in items getting left with the paperwork (which sometimes wouldn’t get touched for several weeks due to being busy) that had needed to be collected or addressed right away.
   
2. Sally’s careless mistakes continued at about the same rate (average of 2 to 3 a week). She would put deposit slips/emails with the wrong office’s report, put one office’s mail in another office’s bin, put one office’s funding papers in another office’s bin, put one office’s bills in the folder for their correspondence & vice versa, put one office’s bills in the folder for another office’s bills, put the new month’s bills in the folder without taking out the old month’s bills so they would get mixed up. I could go on & on.
   
3. Sally would still ask for help on things she shouldn’t need help on anymore, ‘cause I had helped her many times on items exactly like it in the 2 years she’s worked here. I mean, the whole point of asking for help when learning new things on a job is so you can take the input you’re given & use it to get better at the job so you don’t have to ask for help anymore. I mean, what kind of office works by their employees constantly needing to be walked through everything every day? Sally would even ask for help on things no one would need to ask for help on. For example, she asked me, “An office took a deposit to the bank without showing it on their report. How do I write that up in the letter to fax to them?” Um, exactly what you just said to me. Or another time, she asks how long she should wait before calling an office back. Well, how long do you think you should give them? Just use your good judgment. You don’t need help with that! Again, you’ve been here 2 years!
   

On Jan 26, I take the Dec bills, correspondence faxes, & timesheets out of their folders to scan them into the computer. Now, one thing the bills should always have on them are the check number used to pay for this purchase & the date it was paid. The offices themselves are supposed to write this on there, but they don’t always, which is why it is our job to write it on there if it’s missing. I had noticed when I scanned Nov’s bills around Nov 30 that a lot of Sally’s offices don’t have that info written on them. So, I explained to her what needed to be written on every bill/receipt. I now flip through the Dec & Jan bills of her offices really quick to check them. There are quite a few of them with no info written down on them. There’s strike one for noncompliance.
Another task we would do several days a week (that’s Sally’s responsibility) is to check the bank accounts online. She is to look at the bank balances & report any low balances to Greg (or me if Greg isn’t there). She is then to look at the transactions in order to see if anything looks fraudulent. Since we are a loan company, check fraud is very common for us. So, we look at the checks for anything funny-looking, & we look to see if there are any auto debits (like when you use your bank account online to pay for a bill) that would tell us if someone got hold of our bank account info.
On Jan 30, at 1:15 p.m., I asked if any of the bank balances were low (Greg was out of town for a few days). Sally said she had forgotten to check the bank accounts that morning. Weird, ‘cause you had to check the Dallas office to make sure the money we sent them had shown up. How did you get the login sheet out to look in their bank account but then forget about checking all the bank accounts? This just further cemented in my mind that she was NOT checking these bank accounts the way she should. I was 100% positive that all she does when logging into these bank accounts is checking the balances to give to Greg but then never checks the transactions. I know this ‘cause, 1) I’ve observed Sally only logging in to write down the balances & then logging back out (she had some flimsy excuse ready when I asked her about it), 2) there have been auto debits that appeared in bank accounts that we didn’t find for weeks until I happened to see it for some reason & guess what? She never pointed those out to us, & 3) Sally hadn’t bothered to check the bank account balances since Greg was out of town, so clearly she only felt the need to check the balances. There’s strike two for noncompliance.
& even more bad mistakes or decisions:

1. At the end of Jan, we discovered that Sally had mailed the employees’ W2s to the managers’ home addresses instead of to the offices to distribute to their employees!
   
2. We had an office that moved locations to right across the street, so the only thing that changed in their address was their street number (12 Main Street instead of 11 Main Street). I explained this to Sally & gave her an updated list of the office’s addresses. 3 weeks later, we get a call from that office saying that mail we send to them keeps going to their landlord’s house. I check the address labels Sally had created for herself. Sure enough, it had the wrong address on them. I go to grab the lease, & at the top is where the tenant’s new address is listed. & all the way at the bottom of the page in the paragraph titled “RENT” where it lists where to send the rent is the landlord’s home address. & that’s the address Sally had chosen to be the new office’s address on her address labels.
   
3. Sally hadn’t been faxing the offices to ask for bills/receipts that never made it to us.
   
4. I used the last towel on a roll of paper towels, so I went to the cabinets to grab another. We were out. Sally is in charge of keeping track of supplies that need ordering, so I go to Sally & say we’re completely out of paper towels, we need to order some. Sally response: “No one ever tells me when they grab the last roll so I know when to order them.” Um, excuse me, since when is it our job to tell you to do your job? It’s your responsibility to keep track of supplies. You should be checking the level of paper towels, toilet paper, Kleenex, etc., to see when you need to order them.
   

So, I knew she needed a second warning write up for carelessness cause of the numerous mistakes since the first warning write up in the middle of Dec, & I would be giving Sally a first warning write up for negligence cause of her not asking the offices for missing bills & not writing the info on the bills I had told her to do at the end of Nov. However, it was only a few days from Feb, which was the time for performance reviews. So, rather than doing a write up now & then in a week or so doing a performance review that was one of the worst performance reviews I’ve ever heard of, I decided to just do it in one fell swoop. You know, just get it all out of the way with one bad conversation, one bad day, & then both of us can hopefully put it behind us & move on.
I decided to do the performance review & write ups on Feb 5 (Monday). It went much smoother ‘cause Greg was there, so Sally couldn’t really give me lip or lash out by showing attitude & anger like she had previously.
On Feb 7 (Wednesday), I log in to get the transactions for an office who is switching banks. I wanted to get an updated list of outstanding checks so they know how many checks are left before they can close the old bank account. & what do I see? Someone had used the bank account to pay $100 on their AT&T bill. I call the office & find out it was actually them, so no fraud there. But I then ask Sally if she had seen that when checking the bank accounts. She said she didn’t remember. Obviously, I have found my proof that she is either not checking them or isn’t paying attention when she does. I have a discussion with Greg about it, & we decide I need to have a sit down with her about her not doing her job. She is sick on Thursday, so I plan to talk with her the next day she comes in.
On Feb 9 (Friday), I begin the conversation about checking the bank accounts & how important it is. I am planning to say things like, we expect you to do this job, you’ve been told multiple times to do this task, if you’re not going to do the job, then you’re welcome to go find another one, etc. But she cuts me off at the beginning with an excuse of, “Well, I didn’t know what I should be looking for, now I know.” & it broke me. She does this exact thing every time I have to have a conversation with her. She has an excuse ready to go on the tip of her tongue, always spins it around so it’s not actually her fault. It’s always, “Well, I didn’t know that, but now, I do.” & I was just done. I didn’t continue the conversation, even though I needed to, ‘cause I just broke down in tears from the stress of having to discipline her & knowing that nothing will ever come of it, but having our hands legally tied to be able to fire her right now. I cried nonstop for over 4 hours.
On Feb 12 (Monday), I sat down to continue the conversation, this time with a written statement for her to sign.
Me: You respond a lot of the time that you don’t know how to do things, which is very frustrating, ‘cause you’ve been shown multiple times how to do these tasks. It’s very inefficient & wasteful that I have to constantly check all of your work & retrain you on the same thing over & over again. This needs to change. This job is about accuracy & accountability.
Sally: You’re not giving me a chance to improve. I never hear “Good job,” from you. All I ever hear is, “You’re doing a bad job, sign this paper.” I get in trouble every time I ask for help, so I guess I’ll just follow the instructions & hope I’m doing it right.
The problems with that response:

1. You’ve worked here for 2 years, Sally. You’ve had plenty of time to improve.
   
2. The reason you never hear “Good job” is ‘cause you’re not doing a good job. How am I supposed to tell you “Good job,” but also need to give you a write up for doing a bad job? If you’re getting multiple write ups for doing a bad job, don’t you think that’s a sign that something is wrong? I mean, she thinks that managers should be telling their employees good job on everything they do right. No, you’re expected to do these tasks. We’re not going to congratulate you every time you do your basic job requirements like some toddler that needs constant positive reinforcement so they know that doing something right is a good thing! You will hear “Good job” when you are doing a really good job on something, when you go above & beyond!! I mean, do you think Greg tells me “Good job” when I’m just doing my job as expected?!! NO!!! I’ve never had a manager constantly tell me “Good job” all the time!!!! (Whew. Sorry about that. Kinda went on a crazy rant there. I’m good now.)
   
3. Here’s another example of her mentality of “if I don’t do the job, I can’t get in trouble for doing it wrong.” She’s going to stop asking for help instead of using the help I’ve given her to do better. I mean, if you’re making these mistakes when you ARE asking for help, how many more are you going to make when you stop asking for help? How does this make any logical sense?!
   

Well, here’s another chance for some malicious compliance. She claimed she didn’t know how to check the bank accounts, right? Well, my job as the manager is to make sure my employees know how to do their job. So, I need to sit down with her & train her how to check the bank accounts. Again. Even though I know she already knows how to do it. So, every time you tell me that the reason why you didn’t do a job is ‘cause you didn’t know how to do it right, well, we’re going to sit down & waste both our times & annoy you having to be retrained on something you do, in fact, know how to do.
Sally continues making careless mistakes & not doing stuff she doesn’t think she should have to do. Like answering the phones. It’s her job to answer the phones; that’s something I as the manager should be delegating to her. However, she never answers the phone unless I literally can’t. So, I had asked her to start answering the phone more. She will wait until the last possible second before answering the phone. By that time, it’s already rung twice, so I have to answer it before it goes on any longer or they hang up. One time, we were both away from our desks when the phone rang. We both went to answer it, but she was closer & got to her desk before me, put her hand on the phone, & watched me until I got to my desk before she picked it up. With a comment of, “Oh, (laughs) I didn’t want to make you walk all the way to your desk.” Well, you did, anyway, you little jerk.
On Feb 27, Sally asks for help on a report. She says that my note stating the office is over-deposited $28 on report 1 but fixed on report 2 by being $28 under-deposited didn’t work out. She says that they were never over by $28 in the first place. I take the report to look it over. Her calculator tape adding up the deposits shows the bank is in balance, but I don’t see deposit slips.
Me: Where are the deposit slips?
Sally: I haven’t gotten them yet.
Me: (trying to comprehend her logic) Then how do you have the deposit amounts added on this tape?
Sally: I got the amounts from the report.
Me: You…(my brain trying not to implode at this point) you can’t add up amounts to see if the bank has too much or too little money in it without knowing what was actually taken to the bank. The amounts on the report don’t always equal what was taken to the bank.
I log into the bank account & discover just that: the report says they took $500 to the bank, but their deposit says $528. They were indeed $28 over-deposited. I then lecture her (for the second time in a few months) on the correct way to account for the deposits at the bank, that we are only to use the dollar amounts on the bank’s deposit receipt. (The first time was her getting the deposit amount from what was written on the deposit slip instead of what the bank gave us credit for on their printed receipt. The bank had shorted us $500, & we never knew until her deposits didn’t work out when reconciling the bank statement at the end of the month. We were missing $500 for 4 weeks! It’s a miracle we didn’t overdraw the account.)
Another task that we do several days a week is checking the CFPB website. This is a government website that uses federal regulations to monitor financial institutions. It’s like the Better Business Bureau, but more official. Customers can make complaints through them, prompting an investigation to make sure we’re following the federal guidelines. We have 2 weeks to respond to a complaint before it is past due.
On Feb 29, Greg just happens to be looking at an email inbox that he never checks, ‘cause after all, we’re checking the CFPB website, so he doesn’t have to look there, right? There is a complaint in 2 of the portals that have been in there since Jan 22. He immediately marches out & tells Sally about them.
Greg: Aren’t you checking the CFPB sites?
Sally: Yeah, I am.
Really? Then how come you didn’t print this complaint off to give to Greg in the last 6 weeks? She came back from lunch to a second warning write up given by me for negligence.
On Mar 5 (Tuesday), we are working on reconciling the bank statements so we can close the month of Feb. Sally brings me a Jan bank statement for an office.
Sally: This never cleared in Feb.
I look at the bank statement. It’s an electronic deposit of $254 on Jan 31. I remember this. She had asked me at the beginning of Feb why this deposit wasn’t recorded on the office’s report. I explained that since it didn’t show up in the bank account until the last day of Jan, they might not have known about it before the end of the month & so recorded it on the first of Feb. We will wait until the first report of Feb. If it’s still not recorded, then we’ll bring that to the office’s attention. & here she is, clearly telling me she hadn’t brought it to anyone’s attention all month long.
Me: (staring at the bank statement as I try to prevent my autistic brain from exploding at her while also trying to prevent a spontaneous stroke) You didn’t keep track of this all month?
Sally: Well, I didn’t know if it was treated differently ‘cause it was OTBP (One Time Bill Pay, which is the electronic deposit). (Oh, what a shocker, she once again didn’t know how to do something.)
Me: But we talked about this. If it wasn’t on the first of the month, we needed to address it.
Sally: Okay, well, now I know that we treat this the same as other deposits. (goes nonchalantly back to her desk like it was no big deal, like she hadn’t just revealed she had once again disobeyed my detailed instructions)
Me: (seeing her flagrant disregard for the seriousness of the situation & wondering just how on earth she could once again think that not doing her job would have no consequences) This is exactly what Greg talks about over & over, about how we can’t leave errors like this to sit for weeks & weeks, that these need to be dealt with as they happen.
Sally: (still as easy-going as if she had simply used the wrong color highlighter) Okay, I’ll make note of that.
Now, I am getting really pissed off. She keeps saying, “Oh, now I know that OTBP is treated the same as everything else.” That doesn’t matter! It doesn’t matter that you didn’t know it’s treated the same! I specifically told you to take care of it if it didn’t appear on the first of Feb! It didn’t matter what kind of deposit it was! I said to tell me if it wasn’t on the first of Feb!
Now, this was right before she leaves at 3:30, so by the time I’m finished with my text conversation with Greg (‘cause he isn’t there that afternoon), she has already left. But I’m telling Greg that I have once again caught her being negligent, & she’s already had 2 written warnings about this, which means our next step is letting her go. Not to mention, her carelessness is still continuing. He said that he supports my decision to let her go. By the way, the final decision happened an hour after she left. If I had known before she left that we were indeed going to fire her, I would have done it before she left so she didn’t have to come all the way to work in the morning just to leave again.
So, on Mar 6 (Wednesday), I arrive early to work so I can be prepared. I am standing at my desk, watching her come in. This is unusual, so she frowns as she approaches me.
Me: Sally, we need to talk.
Sally: (still frowns at me)
Me: (handing her the typed up notice) We are going to read this together. “When reconciling the month of Jan, around Feb 5, it was brought to my attention that we had a deposit that hadn’t been reconciled. I gave you instructions to wait a report to see if it works out. If not, you would need to bring it to mine & the office’s attention for further instructions. This wasn’t done. It wasn’t until Mar 5 that you brought this to my attention again. You have been told many times the importance of reconciling the financials of the office. You have been warned several times of negligence. This is another example of negligence with respect to your job. All you had to do was follow my instructions. It is for this reason that it is now time to terminate your employment.”
Sally: When did you tell me to do this?
Me: (thinking, “Um, I kinda just told you when I told you do that, but, okay.”) When you showed me the Jan bank statement—
Sally: Yesterday?!
Me: You showed me the Jan bank statement a month ago when you were reconciling Jan. I told you to wait for the first of Feb & then—
Sally: You did no such thing!
Me: Yes, I did, Sally.
Sally: When does Greg get here?
Me: Around 9, like usual.
Sally: I’m calling him, ‘cause this is ridiculous. You’ve had it out for me from the very beginning.
Me: No, I haven’t.
Sally: Yeah, you have. Just like the other 2. (sets her bags at the front door, goes outside, & calls Greg)

1. How could I have had it out for you from the very beginning when we didn’t have problems for the first year & a half you worked here? If I’d had it out for you from the beginning, you wouldn’t have had a job the past 6 months. Need I remind you what Greg told you about the timesheet thing being something we fire someone for on the spot, but that Molly had gone to bat for you & gave you a second chance? Why would I have done that if I had wanted you gone from the start?
   
2. “Just like the other 2.” She’s talking about Irene (who had left in Feb 2023) & another employee (who we’ll call Phil). Phil had been fired (by Greg, by the way) for continuing to watch movies on his phone at his desk despite being told multiple times by Greg to not do that. & Irene? She wasn’t fired. She gave her 2 weeks’ notice. & we then discovered when going through the work she’s been doing as we started taking over her tasks that she didn’t just not do jobs. She would actually forge the work so she wouldn’t have to work. “A bank imbalance of $2.65? Well, I’ll just add it to the imbalance that’s been building up for who knows how many months & just label it as an over-deposit from the end of the month. That way, I don’t have to look into why the bank isn’t balancing.” But no, I had it out for them, apparently.
   
3. Does she really think that calling Greg was gonna reverse my firing her? Does she really think I would do something as drastic as writing her up or firing her without discussing it with my supervisor first? Did she really think I would do this behind his back?
   

Apparently, she did, ‘cause Greg confirmed that Sally tried telling him about all the stuff I’ve been doing to her as if he didn’t know. She hung up on him when he explained that he’s been told everything as it happens & he supports this decision.
Sally: (storming back into the office & towards her desk) I’m not signing anything.
Me: Ok.
Sally begins packing up her desk. I had known she kept a lot of personal items at the office, so I had gotten a big box or 2 out & placed them nearby for her to use to pack up her desk.
Me: We can give you a box if you need it.
Sally: I don’t need sh** from you guys.
Me: The only thing we’ll need is your office key.
Sally: You’ll get it when you get it. I’m packing my desk.
Me: Ok.
I go back to work, keeping an eye on her as she packs to make sure she doesn’t take anything she’s not supposed to or damage any company property. Sally at some point decides to use the boxes she didn’t want from us to pack up her many items. She takes both boxes to the front door where her bags are & sets them down to put the last of her things in. She picks up one box to take outside.
Sally: You are the worst manager ever. (goes out the door)
Me: (shrug)
Sally: (comes back in for the final box) Seriously, you’re the most evil person I’ve ever met. (leaves)
Really? I rank worse than the guy that beat you up? I’m worse than him?
I continued watching her to see if she’s going to come back to give up her office key. As she packed up her car, another employee had arrived (we’ll call him Randy). He had run into her on the way in & asks me if Sally quit. I explained, no, she was let go. I then see that Sally has gotten behind the wheel of her car without coming back to give us the office key.
Me: Well, I guess we’ll just change the locks.
Randy then takes it upon himself to go out to her car. He phrased it very gently by saying he wanted to spare her having to come back in to turn the key in.
Sally: I guess Molly didn’t have the balls to do it herself. (hands the key over)
& then…she was gone. Despite having to do the entire corporate office’s work all by myself & falling steadily behind little by little, I have never been more happy. I had forgotten how much I loved my job & how much I couldn’t wait to get to work. I haven’t been this stress-free in 6 months, & it feels fantastic! & the great part is, I’m not really falling as far behind as I expected to without her. Having to do 2 people’s jobs by myself is only affecting me a little. Really goes to show you how bad she was for the company & for my job when she disrupted everything that much. For example, me & her would get through maybe 5 to 6 offices’ reports between us in a single day when playing catch up after closing the previous month. One day? I caught up on 10 offices’ reports in a single day. By myself.
Oh, did I mention she smoked marijuana most days on her way to work or while on her lunch break? We could never actually prove it. But, come on, you don’t smell that strongly of marijuana on only select days if you aren’t smoking it recently. If it was leftover from the smell of your house or car, you would smell like that every day. But it was only some days she would come into work or back from lunch smelling like that. Obviously, smoking on the job. So very glad to be rid of her & her awful skunk smell. Although, I do wish her well on a new job search. I don’t wish ill on anyone, ever. But I am just glad she’s no longer my problem to deal with.
(Added 2 months after she was fired): By the way, I am actually gaining on my work. I’m not only not behind on my work, I’m actually getting it done soon enough to work on extra stuff. Also, out of the blue, we’ve started getting about 3 to 4 sales & scam calls every day since Sally left (for things like better Medicare benefits, better retirement benefits, & even one time recently where “Walgreens” was calling to ask if I still had diabetes). I’m convinced Sally signed us up for calls as retaliation. I hope they die down soon, especially as they are starting to get rude. (Our response to every one of these is “Sorry, this is a business.” This one guy responded to me with, “This is my job.” I said, “I understand this is your job, but this is a business. I am not allowed to take personal calls.” He said, “Why?” I said very slowly & firmly, “Because I’m working!” He started to say, “Can you explain to me why—” I hung up. Jerk.)

I made a balance transfer from Citi card to two of my Barclay cards. Citi sent the transfers to the wrong account numbers, which were slightly off from my actual account numbers. I've talked to Citi several times and they finally provided me proof that Barclay received and cashed the two checks, showing on those checks the incorrect account numbers.
I contacted Barclay and they could not locate the checks via a phone call, so they had me send them copies of the checks so they could look them up and apply them to my correct accounts.
That was last Tuesday,I sent the copies via fax and certified letter to be sure they got it.
They have not gotten back with me and have not applied the checks to my correct accounts.
I need help, I'm very upset and worried about this. It was nearly 3000 dollars, which I now owe to Citi, which has not gone to me in any way.
Please help me find which lawyer I need or what else I need to do. I've been dealing with this since April. I made the balance transfer March 7th, waited the18 days they said it would take, and when it did not go through contacted Citi. Then all this back and forth started. They only finally sent me the proof Barclay received their checks last Monday.
On the checks the back side shows where Barclay did actually cash them both. So somewhere they've got that money. It's just that the numbers are sightly off from my actual account numbers. Somewhere along the line someone who entered the numbers entered them wrong. Both of them, which baffles me. One account number has two wrong numbers in it and the one has I believe 3 incorrect numbers in it. They're similar to my account numbers but wrong.
I just need to know who can help me make them correct this, my credit score is decreasing due to owing 3000 more than I am supposed to, not to mention... owing 3000 more than I'm supposed to... I'm a nervous wreck.
Thank you for any help, and I'll try to answer any questions that would help anyone help me.

Dr. Richard Isaacson, a preventive neurologist, was shocked as he looked at the fax's numbers. In just 14 months, blood indicators that indicated early Alzheimer's disease had virtually vanished from the brain of his patient, 55-year-old businessman Simon Nicholls.
"I needed to take a breather. The blood tests on his brain had normalized, which was a huge shock, according to Isaacson, the director of research at the Boca Raton, Florida-based Institute for Neurodegenerative Diseases.