it's both.. BOA's credit fags call and hassle me and i tell them I HAVE NO MONEY RIGHT NOW!

i tell them i will call them back and to shut them up i give them my account and routing number and tell them when i am paid, i will set a date on the electronic check.

on 2/24 they decide to take money anyways.. it wasnt there.. i get charged from wamu.

reissuing first paycheck tomorrow morning.. sick of this bull shit.