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Rude and Harassing Collection Procedures
Posted by
I have been with the Downtown Branch of Commerce Bank for about 8 years or so.
I have my VISA Card with them, and a high credit limit.
For two consecutive months I have not received a bill on my Commerce Bank VISA, and it has nothing to do with the Post Office because I have NEVER had a problem with them, and ALL my other mail and bills have arrived timely.
Please Note: The people at the St Louis Downtown Branch are wonderful, friendly and helpful and very responsive, especially Jan Robertson. I have absolutely no complaint about them.
HOWEVER, Kansas City is apparently staffed by quite a few "jerks" who seem to care nothing for your problems when you call them.
EACH TIME they have failed to send me my VISA bill, they have tacked a $35 charge for "late payment" when they did not provide me with a bill. They haughtily tell me they sent it to the address I gave them, but the bills have stopped coming, and no one there seems to care. They obviously would rather dun me $35 each time they fail to provide me with a bill.
BUT that's not the worst part, although I am demanding they remove the two $35 charges.
They have been calling me every day just after 9 AM and usually just before 9 PM, though tonight it was at 7:13 PM and they left a message to call their billing/collections department. I called back at about 9 PM and after wading through their voicemail system I finally got through to a human being. I didn't raise my voice or use any bad language, but I told the lady that they seem to have a policy of harassing their customers until they have thoroughly demoralized them and bills get paid just to stop the harassment. She abruptly told me she didn't have to take that from me. I didn't use curse words or raise my voice, but she hung up on me.
THEY are the ones who keep failing to provide me with a bill, yet they hit me with their late payment fees and the irritating phone calls. If they call me early in the morning (let's assume for a moment my payments are legitimately late), do they somehow think I can have a payment in their hands in Kansas City that evening. What is the purpose of the evening calls if not to harass?
They may think they are within the parameters of the applicable federal collection statutes, but if they keep it up, I am going to file a lawsuit against Commerce Bank here in St Louis seeking actual and punitive damages for the intentional infliction of emotional distress. And I'll have one of my friends file it, but actually, I have been trying jury cases for 35+ years, and this one would be like falling off a log.
Judging from some of the other complaints I have read tonight, they have a real problem in their Collection Dept. and in other departments in Kansas City, and they ought to try to be understanding and helpful rather than sarcastic, supercilious and rude.
I am now done, but I hope all the people out there who have had problems with the sending of their VISA bills, unjust and unfair late charges, and complete rudeness when the customer calls seeking help, will write my3cents.com and share their experiences. Gil Beckemeier, St. Louis
Tonight, when I called them back and finally got a human being,
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At Your Service on 09/27/2011:
As frustrating as it may seem, you can still be held responsible for any charges or payments even though you've never received a bill.
leet60 on 09/28/2011:
If you owe a monthly payment, and are not receiving a bill, you should call and inquire why and determine the payment amount due and submit it. Not receiving a paper bill does not make the payment no longer due.
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Commerce bank is tricky
Posted by
MISSOURI -- I agree with you that commerce bank is tricky. I have been with them for about 6 years and they will do everything in their power to overdraft you. I have had debits appear in the pending section, then disappear and reappear in processed section a week later more times than I can count. If you put a deposit in and go spend the money they will always process the debit before the deposit and the tellers are always rude when you call them. I also have problems with their monthly charges. Mine always come out on random days (meaning it could be the 20th of the month or the last day, there is no scheduled day) and it will always be when you account reaches under a certain dollar amount as if the computer is set up to take it out when its about $15 and you make a purchase. The $10 monthly fee (which I think is b. s) comes out before the debit every time. also these monthly fees just started appearing out of nowhere. I signed up for free checking and when I called up to ask why is there service charges the teller just played stupid and said "that's how its always been" keep in mind I had been banking with them for nearly 4 years at the time. I don't really understand how they can change the agreement that you signed up for but they did. I mean really is that even legal? Isn't there a law that says you are grandfathered in? If you are banking with commerce (or comi bank that we jokingly call it in our house)I would recommend keeping a check book and documenting your spending, don't rely on their online banking. In my opinion it is designed to overdraft you, not help you. And as far as people on here saying you should have "X" about of dollars in your account at all times, not everyone has money to leave in the bank. I single handedly support my family and live paycheck to paycheck so these $35 to me is a lot when I have food to buy or clothes for my child so please don't be so condescending.
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Suzy on 05/26/2012:
Past time to change banks. Try a credit union, you do not get these types of mysterious charges/fees only overdraft fees unless you've signed up to have no overdraft protection.
trmn8r on 05/27/2012:
No there isn't "grandfathering". However, I am fairly sure they must give you notice of the change in fees. If my bank went to a fee, I would look for a new bank as Suzy suggested.
As for overdrafts, all banks will look to make profit from them - this is part of their income stream. That sounds nefarious, but it is true. The way to avoid being penalized is to keep a sufficient balance to cover the peaks and valleys in items that go out.
It took me getting whacked with only two overdrafts to figure a new way - I keep a buffer at all times to cover the unexpected. Problem solved.
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Overdraft Fee & selective posting of debits
Posted by
Stop Overdraft Rap Off (SORO)
KANSAS CITY, MISSOURI -- I have had an account with Commerce Bank since 1984. I never had problems until May 2010. May 1, 2010 my Visa was stolen and used. I went to Commerce to stop the use of the card and get a new one. An investigation had to be conducted which would take about 3 weeks. Commerce Bank did advance/replace the money stolen. But that's when the nightmares started. I was having issues with creditors. May 17, 2010 I call Commerce to inquire about stop checking payments. I was told that eack check would be $30.00. I requested (2)stop payments $60 on May 17, 2010 and one on May 29, 2010 $30.00. The bank sent checks through any way. I went to Commerce on Blue Ridge Blvd and request a restriction be put on the account, they continued to send the checks through. Each time I was charge insuffient funds and return check fees. Several time the account got up to $892.00 This went on week after the stop payment until May 29, 2010. That same day I went into the bank at the Plaza Office and request that my account be changed. When I was write a check the bank would not pay as your debits came in, they choose to pay the largest down. I disagree with that, if I send a check in on Friday it gets to the bank on Monday along with an ATM purchase that came in on Monday. I feel the account should be debited the way the tranaction come in. Do not rearrange the order in which the debits came into the bank to warrant adding an insuffient charge. I sorry to be rambling on, but I am really upset by the way my account and myself was treated in this matter. Finally Commerce Bank locked my account after receiving my direct deposit without notication. I had to wait all week before I could get them on the phone. I had to take off work. Wait until 9:30 am to get to talk with the Manager of the Plaza
Eric something who informed me that he had closed my new account because of to much activity and insuffient funds in 30 days. I did have direct deposit. I do owe a balance of $234.16 to Commerce Bank because of all the insuffient fund fee and all the return check fee charge after I $90.00 stop payment was paid. I was told by a Commerce Bank representative that the creditors had the right to be paid. WELL AS A CUSTOMER, WHEN I PAY FOR A SERVICE. I have the right to get what I pay for. Not get charged continuously with a double wammy for something I paid to stop. That bank employee is paid to due a service, not be anyone financial advisor. The comments and thoughts should stay to herself. It turns out I paid a total of $90.00 to Commerce Bank to stop payment and the checks kept going through from May to the end of June or first of July.
Should this get looked into because it happen to a lot of people, I'm on board with any action that takes place. It's just not right Commerce just disregarded to 26 year that I banked with them.
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skelly39 on 08/17/2010:
File a complaint with the OCC or FTC, whatever body governs that bank. They mishandled your problem from day one. Good luck to you.
goduke on 08/17/2010:
You might also want to contact your state's attorney general's office so that they can look into it.
saj80 on 08/17/2010:
After the recent ruling against Wells Fargo, in which they lost a court case related to how they processed items and charged overdraft fees, I believe that more banks will either be looked at or will change voluntarily to avoid the negative press. This type of structuring items cost Wells Fargo $207 million, and got the attention of many other banks. My bank used to process items in this manner, but stopped as soon as the lawsuit became public and before the judgment was announced.
grandma005 on 08/17/2010:
This is why I use a credit card instead of a debit card.
Obsfucation on 08/17/2010:
Saj, I think you may be mistaken. The lawsuits were against 3 of the large banks, WF, BoA, and one I can't recall. The complaint was not in posting order, it was that they failed to adequately provide notice when their processing changed. There was kind of a no fault agreement, and they coughed up some dough. In point of fact there is nothing illegal about processing in this manner, as long as it is disclosed.
When you think it through, the processing order has no impact on the depositor at all, if there are collected funds in the account when the check is negotiated. (or the debit) It is actually illegal to be issuing a check when the funds are not in the account. It's a little disingenuous to accuse the bank of something illegal, when in fact it is just the opposite.
Not all banks process in this order, most do, but ALL banks re-order the transactions in some fashion. It is the only way accounts can be procesed. Transactions do not come into the bank piecemeal throughout the day, they arrive in big batches of thousands or millions of items.
It would be interesting to know why the bank paid the items that were stopped. There are specific laws that spell out the responsibilities on both sides. If OP placed proper stops, then all they need do is go into the branch and inform them that they paid stopped items. Some additional information about these items, and the timing would be interesting.
Anonymous on 08/17/2010:
Actually the lawsuit was against only Wells Fargo ( VERONICA GUTIERREZ, ERIN WALKER, and WILLIAM SMITH v. WELLS FARGO BANK, N.A.).
Anybody interested in learning how truly deceptive WF and big national banks in general really are should read the ruling in this case. A real eye opener.
Marvin on 06/04/2011:
Actually the lawsuit was against WF and BOA, but those are just the only two to actually have paid something. And the lawsuit was based on the process called reordering exactly what most banks do. Which is why most large banks have class-action lawsuits filed against them. Soon all banks will be paying some of the 40 billion dollars they accumulated in these fees back. The court found this process to be more damaging to the everyday client.
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Avoid Commerce Bank NA (KS/MO)
Posted by
MISSOURI -- I have banked with Commerce for well over a decade. In the last two years, however, their service has deteriorated to the point where I fired them and went with US Bank.
1. Good luck finding a live knowledgeable person when you call the customer service 800 number. After jumping through multiple hoops, you will eventually reach one. I suggest calling twice if you want to compare what you are told. If you have lots of time, three times is even better.
2. The ATM card they gave me worked at every ATM in St Louis and surrounding areas.... but not at any of the five Commerce Bank locations I went to. You can imagine how much I was charged then for transactions. When I requested a new card that would actually work at one of the Commerce ATMs, they sent me a Visa check card.... in my deceased husband's name (he wasn't on my accounts). After multiple attempts (see number 1 above) to reach a live person, I was issued a new ATM card. Oh wait, no... no, it wasn't... it was another dam Visa check card which I specifically stated that I did NOT want. (They charge you $1.50/month for this thing.)
3. I used Bill Pay, alleged to be free, a few times. Oh, it's not free.... I was charged $6.95/month for it. This was reversed when I stomped into a branch and spoke with a VP guy when I cancelled the checking account three weeks ago.
4. But wait, there's more! The VP guy did NOT cancel my account as requested. He just cancelled my ability to look at the account on line. He also did not return my phone calls when the check I was told would be mailed for the balance did not arrive.
5. I ended up cancelling it by writing a check to myself for the balance. I was told by the teller at the drive-up window yesterday: "You can't do that." I said "Give me my money now." She did.
Good-bye Commerce. You will not be missed.
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Bank elsewhere
Posted by
I am an attorney writing in complete disgust as to the way my client was treated at this bank. In order to prove her case, my client requires her bank statements from 2007-08. She needs them by February 17, 2010. My client went into the branch in December 2009 to request them. She did not have her old account number with her, but gave her social security number and name. After weeks of following up, she returned again on February 4, only to be informed that they could not locate the account without her account number. If she had known that in the first place, she would have immediately returned with her account number. Regardless, she proceeded to provide them with her account number on that day. She was told that it would take another three weeks. She then put me on the phone in order to notify them that this was unacceptable, that she needed the statements by February 17, 2010. I notified them of the dire consequences to my client if she did obtain the statements by that date. They were unsympathetic and stated there was nothing they could do. I suggested that she ask them to at least write a letter confirming the existence of the account in 2007-08, which branch managers do all the time. Without explanation, they refused and stated that the same people who would take three weeks to research her old statements would take three weeks to write the letter. They suggested to her that she call customer service. She asked them to call customer service, since they are supposedly there to serve her, and they refused. They then threatened to remove her from the premises because she was taking up too much time and they were unable to assist the other customers--not because she was unruly or belligerent (which she was not), but because she was taking too much of their time! I find this the most appalling of bad customer service stories that I have ever heard. Not only did the branch refuse to write a letter confirming existence of an account, which they do all the time, but they then threatened to remove a customer from the premises because she was politely demanding that they correct their own mistake. Unbelievable. I urge all to do their banking elsewhere.
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goduke on 02/04/2010:
Here's a couple of questions, law dog.
Why did you and your client wait until a month before trial to ask for these records? We all know that there is a huge lag time in court cases. There's no way you just figured out you needed this.
Why not just ask the court for a continuance? Courts do it all the time.
Anonymous on 02/04/2010:
Why would it take 3 weeks to get a bank statement? All they needed was a history, right? Why wouldn't the bank provide their customer a history? I used to work at a bank and it took me 30 seconds to pull up an account, closed or not, and print out a history. This seems like a valid complaint. I surely would not want to bank with a bank that treats their customers in this kind of way.
goduke on 02/04/2010:
The 2007 - 2008 records for closed accounts may already be archived. It's possible that they have to be pulled up from at a data processing center rather than at a bank terminal.
Anonymous on 02/04/2010:
They must have some crappy software at Commerce Bank, then, if it takes 3 weeks to do it. Unless the tellers don't have access to things like that and they have to send a request or something like that to corporate. But, even that sounds like a real headache.
goduke on 02/04/2010:
It's also probable that they have to be certified in some fashion to be utilized as court records. The bank may require that to be done centrally to avoid any possible impropriety.
Anonymous on 02/04/2010:
There are Commerce Banks all over the country that are unrelated, so it would be nice if you specified which one.
goduke on 02/04/2010:
I wonder if the lawyer billed his client for writing this....
Anonymous on 02/04/2010:
Wait until they get the bill for these statements
saj80 on 02/04/2010:
Bingo, Ken; I'll bet it's several dollars per page plus a research fee.
Wow on 06/04/2011:
First of all certification for something like this would take less than an hour, finding an archived account can be done with your social security number, my account with commerce has changed, but all the bank records from my old accounts are attached to my new ones. I've dug up account statements from 5 years ago in a day.
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Mislead to Keep Account Open, Then Charged Late Fees When Told Not to.pay
Posted by
KANSAS CITY, MISSOURI -- I have been trying to resolve this problem for over 2 months now. I called to close the account and they stated, "you still have an Expedia credit for $50." I kept it open and charged a hotel, expecting my refund on the next bill. It was not on there. I called and was told that offer never existed. I do not have any other cards, so I know that is not true.
I was told they would investigate it and get back to me, that I should wait for the new bill to be sent. When the bill arrived there was no refund and a late charge was added. I called back 3 times and each time was told that I had to talk to the supervisor that took my information and she would call me back since she is always off when I call. I still have not received a call. My payment is due in 5days and I'm sure I will get charged again for a late payment. This is the worst customer service I have ever experienced. I feel violated and disgusted.
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trmn8r on 01/04/2013:
If I were you, I would always pay my bill even if I were in a dispute that makes no sense, and get it back later. In fact, if the dispute makes no sense, it heightens the importance to pay it, IMO. Otherwise you can be confident they will hose you. I suppose you may get late fees and interest back, but personally I don't like to see my credit compromised even for a few days or weeks.
The key question is, do you have a statement showing the $50 credit, and that it went away?
Obsfucation on 01/04/2013:
You should be more concerned about the latye payment showing on your credit report. As Trm suggests, pay the bill then duke it out with them.
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Bank will not investigate wrongful charges
Posted by
GARDEN CITY, KANSAS -- I had a $30 charge appear on my checking account which I did not authorize. The only detail on my bank statement was a phone number, no company name. So, I called the phone number, it turned out to be a call center for various companies, and they told me that in order to reverse the charge I would have to know which company charged me. I told them I had no way of knowing who charged me, my bank statement didn't give that info. They put me on hold, then disconnected me. Obviously, a scam company and bogus charge. So, I filed a dispute form with Commerce Bank in regards to the charge. The result was that Commerce bank would not reverse the charge. Their reason was "I could not identify the company that charged me". What in the world!! This bank is so incompetent that they can't even determine who charged my account fraudulently ??? And then they blame me for that ??? It's the bank's responsibility to tell me who charged my account!!! And, they couldn't even do that. This is the worst bank that I have ever seen.
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momsey on 11/13/2011:
This might be also difficult because of the lack of a business name, but have you filed a police report? And keep bugging the bank until they reverse the charge.
And, I'd think about closing the account for security reasons.
steew171 on 11/13/2011:
Honestly, I shouldn't have to file a police report or extend a lot of time in dealing with this. Every other bank that I have ever dealt with, would simply reverse the charge unless the company issuing the charge could prove it was valid. And you can't tell me that Commerce Bank can't trace back as to who got the money. In this day and age, that's mandatory in fighting crime. This bank flat does not care to do their jobs as they should.
momsey on 11/14/2011:
Right, but it is your money and whether you should or shouldn't *have* to do one thing or another, it's in your best interest to do what you can to get your 30 bucks back.
CowboyFan on 11/14/2011:
Why don't you telephone the call center and ask them the names of all the businesses that could have billed using the call center number? Then report those names to the bank.
The other question is how that company got your bank number so that they could charge you? Does anyone else use your account? What were the companies you buying from back around the time this happened? Could one of these companies forwarded your account number to these people?
steew171 on 11/14/2011:
If I file a police report, the police will simply call the bank and be told the same thing. "We don't know who charged his account". I'm claiming they do know. I found out that if I close this account, and another charge comes through, Commerce will still consider the charge legit and automatically re-open the account and charge me an od fee for each time they try to debit my account. I would say that speaks volumes for why Commerce is not investigating, they simply want to try to rack up fees on me.
steew171 on 11/14/2011:
I'm sure it was on the internet as to how they got my info. When I call the call center they state that they cannot give me the name of the company because they represent too many. And, being crooked, why should I think they will cooperate as to giving my any assistance with the proper names? When they state that they will get someone to help me, they put me on hold, then disconnect me.
Slimjim on 11/14/2011:
Totally agree with stew on this. How are you supposed to know who is charging fraudulently. Doesn't that kind of work against crooks if they disclose that? IMO, this bank does not handle disputes at a level I would expect.
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Rude, Refuse to Help
Posted on
I am 60 years old, have been disabled for 5 years and have a problem with Commerce Bank purposely withholding proper documents I need to file my taxes and therefore I have been unable to file my taxes this year.
I got a 1099 form from them for closing out my IRA with them for a little over $1,000 in 2009. They have records on file, all the documentation they need to veryify I am disabled, I mean my doctor sent them a letter plus when I had my account with them they knew that every month I received a disability check from Social Security. So they are well aware I am disabled and have been for years. They also know my age and based on my age there is also no reason for having coded my 1099 as taxable/penalty for early withdrawal. I have tried to talk to them, the main customer service with Commerce Bank says that I have to handle this through my local branch. That is the Grandview, Missouri branch and they don't return my phone calls. They did call once saying they needed a letter from my doctor but I called back to advise them they already have a letter, I needed to get it for them once before but they deny they have it. So I told them forget the disability based on my age there is no penalty or taxes either but they never even bother to call me back. The person I talked to at the Grandview branch is someone called Meaghan. I left messages on several voice mails and no one ever returns my call.
So I called and talked to a supervisor and she refused to help and just said they need the letter.
They are being deliberately difficult and not helping to give me the documents they are required to give me and I am now fed up with wasting my time to get a document they have the ability and the requirement to supply me but refuse to do so.
I told them I will contact the IRS and they can deal with it but I definitely would recommend anyone looking for a good bank to avoid Commerce like the plague because if you ever have a dispute over a fraudulent charge or an issue like this, Commerce does everything in their power to be NOT HELPFUL.
I am going to spend my time on the internet on every available site warning people about the unethical and illegal behavior of Commerce Bank and its employees and its obstructionist activities. If I can't file my taxes I will make use of my time warning any and all about Commerce Bank.
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skelly39 on 05/07/2010:
If what they are doing is illegal, and it sounds like it is, you should have legal recourse. I'm sure you're looking into that. Good luck to you.
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Invalid NSF Fees
Posted by
Recently I had a horrible experience with my bank (Commerce Bank). I have been banking with Commerce Bank since I was 16 years old. I have never once overdrawn my account. I was charged overdraft fees for a charge I did not make. On 10/17 I made a total purchase for $150 at a business. I authorized a tip of $25 on a purchase that was for $125. That was the purchase that I made. To be clear it was $150 total. My running balance was fine and always remains at or above $100. I noticed my balance was $125 off where it should have been. I realized that there was an additional charge of $125 for the business on 10/19. I called the business furious that they charged me twice. They explained to me that they had not charged me twice and referred me to my bank. So I called the bank and was told that the charge was because the original transaction was for $125 and that was what was authorized, so it had to sit in pending transactions. What I don't understand is the $125 was the authorized transaction and is included in the $150 how can they capture an additional $125.
How can they take that extra $125 from my running balance? How is it legal to create an imaginary charge and then charge me overdraft fees for it? They said that it would drop off in a couple days, but I insisted that it be removed as it was not a valid charge. The next day I noticed the overdraft fees on my account for a charge that this bank created. When I called to speak to a representative she was condescending and unhelpful. She wasn't even listening to what I was saying. She then tried to sell me overdraft protection as a solution to a problem that the bank created. I do not need overdraft protection because I do not over withdrawal my account. Then she transferred me to no one. She said she was going to transfer me to another department but really she disconnected the call. I admit I wasn't being nice because I was angry and I was not being heard. I called my branch and had the fees waived "as a one time courtesy".
Why should it be a one time courtesy when I never overdrew my account? No one was willing to admit that it was a bank error. I want an admission that this was not my error and that I did not overdraw my account because I didn't. It is not fair and I am certain that it is not legal that for a bank to add duplicate charges to a loyal customer's accounts.
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yoke on 11/01/2009:
Your complaint is with the establishment. They are the ones that put the extra hold on your account not the bank.
bcd on 11/01/2009:
The merchant received a $125 authorization to verify the funds were available. That temporarily tied up the $125 in addition to the $150 purchase. It's not fair, but it is legal.
Connecticut Senator Chris Dodd has written legislation that would prevent banks from assessing overdraft fees created by funds availability holds on accounts (Maybe next year…).
Anonymous on 11/01/2009:
Sounds like the normal way a charge occurs. The business will do an authorization for the amount. Then when their batch closes, they submit the actual charges for payment. The bank is supposed to release the authorization hold once the actual charge posts.
Sounds like the bank for whatever reason did not do so. Maybe the charge cleared before the auth dropped. Just remember not to use your card as a credit card with that restaurant again. Use it as a debit card.
A lot of gas stations do auths too. You have to be careful where you use your debit card as a credit card..
tnchuck100 on 11/01/2009:
The problem here is the bank charged an NSF fee on the authorization hold even though it never posted. Only charges that actually post should be subject to NSF fees. The banks are applying NSF fees on authorizations that never post and this is a very despicable practice. One more reason to dump these greedy banks and find a credit union.
Anonymous on 11/01/2009:
Excellent point Chuck.
This is why I do not use my debit card for these transactions; it can really screw up your account. If I don't have cash on me I use a credit card and then make an online payment when I get home.
That's a good idea Lady but I didn't know that you could use a Visa / Mastercard check card as a debit card at a sit down establishment. I thought the only option was credit? I'll have to check that out. It offers a little more control over the account.
yoke on 11/01/2009:
chuck, hate to tell you but CU's would do the same thing. I don't agree that the bank should be able to give NSF's for checks/debits that come in on the balance that is on hold, but I always ask places if an extra hold will be put on my card before doing it. Restaurants are known to do the hold and there is nothing the bank can do about it. It was the establishment that put the hold, not the bank. Stopped going to the local pizza shop because of that.
madconsumer on 11/01/2009:
I use my debit card all the time for same such transactions. I have not experienced this before. it does sound like an issue with the merchant not removing the hold.
tnchuck100 on 11/01/2009:
yoke, pay attention. I don't know of any credit union that exacts a NSF fee on an amount that has not posted. If you have, name it. The issue is not about the the business doing an authorization, it's about the bank's greed in charging the NSF fee for an amount that was to never post.
Anonymous on 11/01/2009:
Chuck, I agree. Since auths normally fall off, they should not be subject to a NSF fee. Maybe that will get changed soon.
Pro, some restaurants do. You have to ask them if they can run it as a debit card. The Mexican place near my house does. Also, in gas stations, if you use your card OUTSIDE at the pump, it will go credit. BUT if you use the Pay Inside option, you can run it as a debit.
Anonymous on 11/01/2009:
Two words: Credit Union.
yoke on 11/02/2009:
chuck, pay attention. I said I don't agree with the bank doing NSF's on the money that was being held. This issue is with the merchant and not the bank.
tnchuck100 on 11/02/2009:
yoke, the merchant does not make the bank charge an NSF fee. The issue absolutely IS with the bank.
You failed to provide the name of the credit union you were referring to that does this.
Anonymous on 11/02/2009:
I've been part of two credit unions, one medical, one educational. I have never, even when I did it once, been charged more than two dollars for an NSF check. They just took the money out of my savings, put it in my checking and charged me $2. They charge me .50 to use my debit card when making purchases, so I run it as a charge card...no charge. Most credit unions take any customer now.
Anonymous on 11/02/2009:
Oh, wait. In the trust account I have with my dad, our lawyer screwed up and didn't wait for a deposit (ten days) to clear before cashing a check (and knew he had to). The credit union charged $30. Yep, they do charge for that if there isn't the funds to cover it. The lawyer paid the $30 fee back to us. I would expect to get charged for a $12,000 check bouncing, though.
yoke on 11/05/2009:
sherdy, CU's will transfer from your savings to checking, but if the money is not in the savings they will charge for NSF.
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I hate Commerce Bank!!
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NYC, NEW YORK -- There was a time when Commerce Bank was a wonderful customer service institution. They had free checking accounts, no fee coin stars and friendly staff. When you called with questions and concerns, you always hung up the phone feeling that your issue was resolved.
Well those days of the "nicer/friendlier" Commerce Bank are a thing of the past. Now the people that work there are either ghetto or brain dead, fees are in abundance, and every time I call their customer service line I feel more angry or confused at the end of the conversation.
I have had numerous bad experiences with Commerce over the past year, but this time I have had it. If my city job wasn't taking its sweet time switching my direct deposit to my new bank I would have completely left them ages ago. Last week I deposited a payroll check. I have had Commerce for years and I have never not had a payroll check clear on the same day. I went home checked my balance online, which indicated that the check was cleared. I paid my credit card bill online the same day. Two weeks later I get a letter in the mail saying that I had overdrawn my account and they had charged me 35 bucks in "uncollected fees". I spoke with custover service and the supervisor etc etc and the short of it is.......they won't give me back that money even though online it says that the funds were available and the teller never said they were not available immediately (even though they have always been for the last 8 yrs). I work hard for my money and 35 dollars is a lot to give to Commerce. Commerce works hard at finding any way they can to take my money... and yours!
Luckily I am from a military family and was able to join USAA. It has been the best banking experience ever.
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Hugh_Jorgen on 06/10/2008:
That bank hasn't been the same since Mr. Drysdale and Ms. Hathaway retired.
DebtorBasher on 06/10/2008:
Or Mr. Mooney...LOL!
DigitalCommando on 06/10/2008:
I'm surprised that nobody has remade those old shows with the introduction of a modern day character. For example, instead of Ellie Mae on the Beverly Hillbilies, she would be replaced with Flip Wilsons "Geraldine" or "Wanda" on In Living Color.
tander on 06/10/2008:
Everything is going up in price and customer service goes with it, when they fire loyal employees and hire people who don't care and are only there for the pay check.
claro on 09/03/2008:
I've had the same problem with them. They're making their last fee's off me. I'm changing banks as soon as I can get my direct deposit changed. I've had nothing but problems with them in the last year. Please get the word out people that Commerce will get you anyway they can. They will rearrange things that have already cleared.
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GreenWorks 25072 Reel Mower with Collection Bag
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20in Reel Mower with Collection Bag
- Collection bag included
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- Cutting path: 20in
- Height adjustments: 1-3/4 - 2-3/4in
- Wheels: 10in front, 6in rear
- Number of blades: 5 helical blades
|32 Pounds
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|Cutting Options
|Bag, Rear Discharge
Gas mowers are typically the most powerful type of mower, but they also require the most maintenace because of the engine. Electric mowers are bound by a cord and may need an extension cord for larger lawns. They typically have less power than gas mowers, but require less maintenance and create much less polution. Battery powered mowers combine the environmental benefit of electric mowers and the maneuverability of gas mowers; their power is comparable to electric mowers.
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Wedding Venues near salinas,ca
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Leal Vineyards9 Reviews
Hollister, CA | 831-636-1023
Leal Vineyards is nestled in the northern foothills of San Benito County, is the vision of Frank Leal. Leal has relentlessly pursued his dream of...(more)
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Monterey, CA
Create an experience at the Hyatt Regency Monterey your guests will be sure to remember by hosting your wedding at our beautiful hotel. Nestled in...(more)
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Seascape Beach Resort is an incredible ocean view wedding destination overlooking the majestic Monterey Bay on California's Central Coast. Seasape...(more)
Chaminade Resort and Spa21 Reviews
Experience True Natural Beauty
Santa Cruz, CA | 831-475-5600
Commanding breathtaking views of the Monterey Bay and rolling hills, Chaminade Resort & Spa is a storybook setting for celebrating life's cherished...(more)
Check Rates Contact Us
Book one of our ALL-INCLUSIVE wedding packages* and receive a complimentary ON-SITE CEREMONY, Plus complimentary Ceremony Site Rental Fee , Rehearsal & Ceremony Coordination, PA & Wireless Lavaliere Microphone for Officiant. Contact our wedding professionals to learn more about this special offer and our wedding packages - Call Laura Manriquez at 831.465.3452 or Angela Edmond at 831.465.3409 - 7 days a week. *Minimums do apply. Subject to change at anytime. Other restrictions may apply.
Gatherings33 Reviews
Intimate Charm
Pacific Grove, CA | 831-647-0114
Gatherings is an all-inclusive event venue that offers the perfect wedding trilogy: an intimate, vintage-style setting; superb, made-to-order...(more)
Hollins House at Pasatiempo10 Reviews
Santa Cruz, CA | 831-431-3231
Hollins House at Pasatiempo Spend your special day with friends and family celebrating at the historic, elegant Hollins House, with spectacular...(more)
Monterey Dance Club1 Review
Reception Venue For Any Occasion
Monterey, CA | 831-293-3000
WEDDING PACKAGE IN-ONE-BOX Monterey Dance club has been newly remodeled that features a unique event space and one-of-a kind affair. Our venue...(more)
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Expires: Dec 31, 2014
Book a wedding ceremony & reception with us this year (2014), and get a discount of $500. Call (831) 293-3000 for more information. www.montereydance.com
Holman Ranch Vineyards and Winery86 Reviews
Anything and Everything you can imagine.
Carmel Valley, CA | 831-659-2640
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Reserve an available date 6 months or less from today and receive 20% off the site fee.
Monterey Beach Party8 Reviews
When you have an event, we'll throw the party!
Monterey, CA | 831-648-7240
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Hyatt Carmel Highlands14 Reviews
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The Perry House62 Reviews
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Asilomar Conference Grounds2 Reviews
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Portola Hotel & Spa Monterey4 Reviews
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Carmel, CA | 831-620-8969
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Expires: Dec 31, 2014
Book a Friday or Sunday wedding for any future date at Quail Lodge & Golf Club and receive a discount of $500 off your ceremony and reception rental fees. Must book before December 31, 2014 (applies to new bookings only). Contact our events department to schedule a tour and mention the Fall In Love Forever promotion. Valued up to $1,000.
Seventh & Dolores
Carmel by the Sea, CA | 831-250-5460
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Seascape Golf Club4 Reviews
Making Every Moment Perfect
Aptos, CA | 888-710-5874
Located in the coastline city of Aptos, near Santa Cruz, Seascape Golf Club's perfectly manicured course and graciously appointed interiors provide...(more)
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Expires: Dec 31, 2014
Host your holiday event with us & choose a gift! Book between August 1 - September 30 & choose 3 Free items* Book between October 1 - October 31 & choose 2 Free items* Book between November 1 - November 30 & choose 1 Free item* Select from • Free Additional Hour • Free Room Rental • Free Dessert Buffet • Free Coffee, Tea & Soda • Free Appetizer (1) *Minimums & restrictions apply. Cannot be combined or on previously booked events. Must occur between November 1 & December 31, 2014
Gardener Ranch5 Reviews
The Rustic Charm of Carmel Valley
Carmel Valley, CA | 831-298-7360
Arguably the finest, most unique special event site in California Tucked along the banks of the Carmel River lies the newly refurbished...(more)
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Expires: Dec 31, 2014
If you are looking for a venue to host your single day wedding, with no overnight accommodations, during the months of January through March 2014, consider Gardener Ranch! Receive a discount of 25% for booking now. The discounted site fee of $7,500 includes private use of our grounds for your ceremony and reception, including a beautiful Bridal Prep Room, plus use of our tables, chairs, wine barrels to be used as cocktail rounds, and heat lamps. Call or email for more details.
Monterey Plaza Hotel & Spa21 Reviews
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The Monterey Plaza Hotel & Spa provides a full scale event venue that includes award winning cuisine, ceremony locations right over the water...(more)
Appleton Grill
A touch of the past, a taste of the present
Watsonville, CA | 831-724-5555
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Chateau Julien Wine Estate3 Reviews
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Washington, D.C./New York City – Media has reported that the Ir David Foundation will be overseeing management of old city sites including the Robinson's Arch area delineated in the Sharansky negotiation. In response, the international leadership of the Masorti/Conservative and Reform movements have sent this letter to Prime Minister Netanyahu's Cabinet Secretary Avichai Mandelblit. The leadership asks why this small Orthodox amuta may be granted authority over us.
Dear Secretary Mandelblit:We write to express our shared concern about information reported in the media that the government is in the final stages of negotiations to award to the Ir David Foundation (Amutat EL-AD) the governance of areas of the Old City, including the Southern section of the Western wall, over which we have been in extended negotiations. We were, as you could well imagine, shocked and dismayed to learn this news for multiple reasons.First and foremost, the fact that this possibility was never raised and that it pertained directly to the issues of our negotiation is most concerning.Second, one of the primary issues of our negotiation, from the earliest stages of the Sharansky plan, was that religious governance and authority over the site would be granted to duly appointed religious leaders of the Reform and Masorti/Conservative movements, to serve at the pleasure of the Prime Minister or his designates. Almost every aspect of this important principle was scaled back during the negotiation – Reform and Masorti/Conservative movements could not be acknowledged explicitly in the regulations, we could not serve officially, we could only be advisors to a government body, we could not receive funds to educate and publicize our presence. Surely you will understand that we would like to know why the Government of the State of Israel does not accept our legitimacy to form a governance body, but find the Ir David Foundation (Amutat EL-AD) suitable to do this and much more. The Reform and Masorti/Conservative movements are organizations with continuous and consistent philosophy and governance spanning well over a century. We represent the overwhelming majority of Jews in the Diaspora and are the backbone of pro-Israel advocacy for our Jewish national homeland.What this news demonstrates to us is that we must protect the singular goals that the proposed negotiation regarding the Kotel site are meant to advance - the recognition of egalitarian, pluralistic prayer available to all Jewish people. The pending appointment of Ir David Foundation (Amutat EL-AD) only demonstrates and reinforces for us what we knew all along – that without actual religious and practical governance over the site we are vulnerable to become the intended or unintended victims of political changes, political deals and other interests. These interests will not allow us to fulfill our primary mission – to create a place at the Kotel where non-Orthodox Jews, and non-extremist Orthodox Jews can pray without fear of physical or verbal harassment and attack. It is a shamefully modest goal, and therefore, demoralizing and demeaning that we are so reduced in the negotiation even on these points. It is infuriating and unacceptable to find that while this negotiation was going on, other negotiations were taking place to put us under the authority of a group with a right wing Orthodox religious point of view.We see today that in our desire to achieve an amicable outcome to a long and bitter conflict among the Jewish people which has further estranged non-Orthodox Jews from the State of Israel, we have left our people too vulnerable. Only in an arrangement which guarantees the governance of the prayer space by our own representatives can we hope to create a lasting solution. We are Jews and we are one family, so notwithstanding the depth of this disappointment, we look forward to restarting and renewing our conversations with you regarding our role in the governance of the space, so that we, and the Prime Minister, can fulfill our moral obligations to the personal integrity of every Jew to pray in a manner that is acceptable to them and respectful of others.Respectfully yours,Rabbi Julie Schonfeld – Executive Vice President, The Rabbinical AssemblyRabbi Steven Wernick – Executive Vice President and CEO, The United Synagogue of Conservative JudaismRabbi Gerald C. Skolnik – President, The Rabbinical AssemblyYizhar Hess, Esq. – Executive Director and CEO, The Masorti Movement in IsraelRabbi Rick Jacobs – President, Union for Reform JudaismRabbi Steven A. Fox – CEO, Central Conference of AmericanRabbis Rabbi Richard Block – President, Central Conference of American RabbisRabbi David Saperstein – Director and Counsel, Religious Action CenterRabbi Gilad Kariv – Executive Director, Israel Movement for Progressive JudaismRepresenting the leadership of the Masorti/Conservative and Reform Movements
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Teaching Outside the Box
Meaningful learning pushes boundaries with action, inquiry, and innovation.
Daniel Dancer creates "living" paintings using math, people, and nature.
Curriculum & Resources: Journey Into Dyslexia
posted Nov 23, 2011
- You've probably taught a student with dyslexia—and were perplexed on how to help. This film shows successful adults who see their dyslexia as a unique gift.
Sunni Brown: Doodlers, Unite!
posted Nov 23, 2011
- Visual thinking specialist Sunni Brown will convince you that doodling boosts comprehension and creativity. So, step away from the doodler!
Tales of a Beginning Teacher
by Brendan Clarkeposted Sep 01, 2011
- Brendan Clarke reflects on his first day of teaching, and why he left the classroom to rebuild our connection with the natural world.
Curriculum & Resources: Poetry and Humane Education
posted Apr 01, 2011
- Poets.org has poems galore for the poetry lover and tips to coax the reluctant teen to try a poem or two. TeachKind's free resources teach students how to respect and co-exist with animals in their communities.
posted Dec 27, 2010
- Radiolab and NPR's brilliant video is a clever choreography of a play on words, and a moving tribute to being alive.
Curriculum & Resources: Individual and Community Resilience
posted Oct 13, 2010
- What makes teenage brains unique? What happens when people from all walks of life play an alternate reality game to create a better future? Lesson plans from Inside the Teenage Brain and World Without Oil.
Words That Inspire: Yes
by Charles John Paceposted Mar 26, 2010
- Poetry: yes, by Charles John Pace, with Note to Educators.
Curriculum and Resources: Americans Who Tell the Truth
posted Dec 28, 2009
- Robert Shetterly's remarkable collection of portraits reminds us of the dignity, courage and importance of America's truth tellers. Here we offer curriculum tools to support the series.
2009 Brower Youth Awards
posted Dec 23, 2009
- Earth Institute's Brower Awards annually recognize young people who create a project or campaign with positive environmental and social impact. Meet this year's outstanding recipients.
Curriculum and Resources: Service-Learning and Life Philosophies
posted Oct 30, 2009
- Here are two dynamic organizations that offer your students opportunities and engaging resources to express and act on what they believe. Encourage your students to take on a service-learning project or submit a personal essay to "This I Believe."
Curriculum and Resources: Facing the Future
posted Oct 30, 2009
- Here is a range of lessons from Facing the Future for grades K-12, including some projects for university level students.
Nurturing Creative Thinkers
posted Oct 30, 2009
- In this entertaining talk, Sir Ken Robinson asserts that to get the best out of people, schools need to nurture creative thinkers rather than good workers.
Bringing Power Home
posted Oct 30, 2009
- Be inspired by Malawian teenager William Kamkwamba. After being forced to drop out of school, William teaches himself how to build a windmill to bring power to his village.
Rethinking Schools
posted Sep 22, 2009
- Like YES! Magazine, Rethinking Schools strives to be both visionary and practical. We are delighted to share three of many lesson plans from Rethinking Schools that get to the heart of a real-world education.
Connect and Engage: Education for the Mind & Soul
posted Sep 22, 2009
- Here's a resource to connect your students' learning with their local community, culture, and environment. Also learn how knowing yourself can translate to being an even better teacher.
YES! Magazine encourages you to make free use of this article by taking these easy steps., YES! Magazine. This work is licensed under a Creative Commons License


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Friday, December 26 Shabbat Service 6:00 p.m.Cantor Ettinger
Saturday, December 27 No Shabbat service
Friday, December 26 Shabbat Service 6:00 p.m.Rabbi Eshel and Scott Senior
Saturday, December 27 No Shabbat service
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Full Calendar
Martin Luther King, Jr. Shabbat - January 16 - Irmas
Don't miss this special Shabbat commemoration of Dr. King, followed by an "I Have a Dream" Oneg Shabbat.Find out more, click here >
The Longest Hatred: Confronting the Rise of Anti-semitism in Europe - January 18 - Glazer
Deborah Lipstadt discusses the situation and asks what we can do about it. Find out more, click here >
Unacceptable Levels - January 22 - Irmas
Join us for a viewing of this film about the chemicals in our bodies, how they got there and what we can do about it.Find out more, click here >
Food Pantry - Sundays - Glazer
There's no better "first-hand" way to help those who need it most. Find out more, click here >
More News
Our Rabbis' Sermons
Watch Archived High Holy Day ServicesTo watch, click here >
Under Construction!We're hard at work on our two school buildings, new Karsh Family Social Service Center, and more. We need your help! Find out more, click here >
Our Temple in the Media Susan Stamberg of NPR visited recently, and so did our local media.Read full article >
Travel Channel: Church Secrets and LegendsRabbi Leder explains why the Temple undertook the restoration of the Sanctuary and the meaning of the treasures it contains.Read full article >
Magnin Sanctuary Panoramic Photograph
If you want to see one of the most amazing pictures ever taken inside our Wilshire Boulevard Temple Sanctuary, click here > (Credit: www.wellerphoto.com)
2014 Purim CarnivalCheck out the photos from a fun and exciting event, filled with games, rides, and entertainment as we celebrated the most playful day on the Jewish calendar. Photos >
Adult Purim 2014 PhotosTake a look at some of the highlights from the fun-filled Adult Purim celebration, as the Groundlings returned to perform hilarious improvisations on the Queen Esther story, this time with Motown music and song. Photos >
Sundays with Your Toddlers
Get your Sundays off to a delightful start with Baby and Me class for the whole family! Read more >
Martin Luther King Shabbat
Watch the Agape choir raise the Irmas Chapel roof and hear the sonorous recreation of King's famous speeches. Photos >
Big Give 2013 Photos
Photos from the Big Give 2013, where we packed and delivered 1,000 complete Thanksgiving dinners to feed 4,000 of our city's most needy families, are now up in our Temple Event Gallery.
How to Help the Typhoon Haiyan Recovery Effort
We recommend two disaster relief organizations with excellent track records: Direct Relief and Team Rubicon. You can read more about both on our website.
Sanctuary Dedication Photo Album
Our historic celebration captured in photographs! The complete family photo album is here >; the evening album is here >. You can purchase the photos on the website.
Disaster Response Team Aids in Colorado Flood Relief
In the wake of the flooding, the Temple's Disaster Response Team made up of Temple member volunteers, deployed to Colorado to help rebuild. Learn more about the trip here >. View photos in our event gallery.
We're on KCRW's Which Way LA
KCRW covers the Temple's reopening, including interviews with Rabbi Leder and architect Brenda Levin. Listen here!
Experience Spring 2014
Download our programming brochure and seize the opportunity to renew yourself through prayer, learning, culture, community action or social justice. Find the programs that speak to you and join us.
Welcome to Wilshire Boulevard Temple. We are a Reform congregation that values both tradition and innovation as we move members to a deeper love of Torah, God, Israel, and Tikkun Olam (social justice).
Whether at our landmark Erika J. Glazer Family Campus in Wilshire Center/Koreatown or the Audrey and Sydney Irmas Campus in West Los Angeles, you will find a warm, embracing, and inclusive congregation.
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© 2014 Wilshire Boulevard Temple Glazer Campus* · 3663 Wilshire Boulevard · Los Angeles, CA 90010 · (213) 388-2401 Irmas Campus · 11661 W. Olympic Boulevard · Los Angeles CA 90064


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Aura 50 Backpack (Women's)
In Stock Product Number: 29281
The Aura 50 provides the ideal volume for your next superlight backpacking experience. At 3000 cubic inches and with an average weight of just over 3 lbs./ 1.5 kg, you can carry your superlight essentials with ease and comfort. A traditional floating top pocket/top load design and twin front pockets with welded water resistant zips makes loading easy. Other features include an internal hydration sleeve, zippered mesh pockets on the hipbelt and removable sleeping pad straps.
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- Floating top pocket with under lid mesh pocket
- Large main compartment with hydration sleeve and reservoir clip
- Removable sleeping pad straps
- Stow-on-the-GoTM quick stash trekking pole attachment system
- Dual ice axe loops with bungee tie-offs
- Made with 210D high tenacity twill nylon, 100D high tenacity mini-ripstop nylon
Gender: Women's
Weight: 3 Lbs. 2 oz., 1.42 kg
Dimensions: 29" x 17" x 14"
Pack Capacity: 47 L
Season: F13
Vendor ProductId: 24250
Review ProductId: 29281
Reviewed by 2 customers
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- Carry's My Stuff And My D
- Super sturdy
- Expensive
Best Uses
- Hiking Trips
Comments about Osprey Aura 50 Backpack (Women's):
This was the best purchase for my hiking trip. It carried all of my gear, a ton of water, and my dog.
- Was this a gift?:
- No
- Comfortable
- Durable
- Easy to fit
- Great Colors
- Lightweight
- Pocket issues
Best Uses
- Backpacking
Comments about Osprey Aura 50 Backpack (Women's):
I really thought the overall design was great and intuitive. I had the small frame and I did notice you may not be able to completely unzip the hip-belt pockets. However, unless you stuffed the hip-belt pockets completely full, I don't see this being a huge issue. The other thing was that if you stuffed a nalgene in the side stretchy pocket angled toward the front (versus stuffed in vertically) I was hitting the nalgene a bit with my arm. I did like the back, easily accessible and stretchy pocket...where I kept all my rain gear that I needed! I didn't feel that the two side access pockets behind that were super useful though. My pack was stuffed and I couldn't get much in those pockets. The top pocket was a little on the small side - or maybe I like to stuff too much stuff in that pocket. It took me a minute to get the fit down, but once I did I felt the pack was comfortable and I only had a little chafe-age because I initially had it too tight on the hip. Also, I am close to bottoming out the small, but was able to find a comfortable fit.


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Monday, December 22, 2014
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SYRACUSE, N.Y. -- Syracuse's mayor and police chief came together Monday night to address concerns about crime within the community, particularly among young people.
This weekend, two teenagers and two 12-year-olds were arrested for breaking into Danforth Elementary School and trying to steal computers and projectors. At the presentation Monday, the chief also highlighted one case where a teen was arrested for burglary eight times in the past four months.
City officials say they're trying to take a proactive approach with programs like D.A.R.E. and the gang resistance educational training program. They want the public to know they are focused on the problem and the individuals involved.
"We believe that we have a far greater ability to intervene early and change the course of their life by making sure that they get the kind of support that they have and making sure that we give them alternatives," Syracuse Mayor Stephanie Miner said.
Overall, burglaries in the city are below their five year average but still add up to nearly 1,800 and 83 percent of those are residential.
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City Confidential: St. Augustine - The Socialite & The Politician DVD
Sale Price: $19.99
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Closed-captioned, Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: May 8, 2000
St. Augustine, Florida, is the oldest city in America, a town that lives and dies on the tourist dollar, where civic pride is matched by a penchant for easy living. So when the mayor's wife was found murdered on their front lawn, it was more than a personal tragedy--it struck at the town itself. And when the suspects were announced, it only got worse.
CITY CONFIDENTIAL chronicles every step of the sensational case that rocked this idyllic community over 25 years ago--and inspires anger and debate today.
Find out why so many people believe that the killer is former County Manager Alan Stanford, and examine the evidence that points to his involvement. But we'll also reveal how his high-powered attorneys, bankrolled by the mayor's political rivals, managed to get Stanford acquitted. And we'll see how the town reacted to the decision, and how the legacy of the case affects St. Augustine to this day.


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Dancer Profile 2012 - Faren
Faren from the Celtics Dancers talks about her life off the parquet in this exclusive interview.


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J Love
- What:
- The incredible J Love and her funky band perform from a soulful repertoire of popular songs from legendary artists such as Marvin Gaye, Al Green, Stevie Wonder, Ray Charles, and Aretha Franklin. J Love also throws in a few surprises as she sings more recent hits, as well as a few songs of her own. You won't want to miss J Love and her band.
- Where:
WestChase Grille
Leawood KS
- Category:
- Nightlife & Singles
- When:
- Friday, February 22 @ 6:30 pm
- Links:
Having trouble? Let us know!


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Free Radical
Star Wars: Battlefront 3 was live streamed today on Twitch
A Star Wars: Battlefront 3 live stream on Twitch just ended, apparently, courtesy of Past to Present Online, which specializes in "specializes in the coverage and streaming of pre-release games, betas, and cancelled projects," according to Game Informer.1
Free Radical headlines
Out of time: the Free Radical story – Part One
Born from GoldenEye 64 developer Rare, Free Radical Design's story is a long and complicated one. VG247′s Dave Cook speaks with co-founder Steve Ellis to set records straight.22
Star War: Battlefront 3 was 'mediocre', 99% complete claim is 'bullshit', says source
Star Wars: Battlefront 3 was a mediocre game that was around 75% complete when it was binned, an anonymous ex-LucasArts employee has revealed, stating that the game was canned as developer Free Radical "Continually missed dates and deliveries." The statement follows claims from Free Radical co-founder Steve Ellis that the game was 99% complete and […]12
Star Wars: Battlefront 3 was 99% finished, says ex-Free Radical dev
Star Wars: Battlefront 3 is a sought-after game among fans of the originals, and all of the leaked gameplay footage and rumours can do nothing to satisfy the itch. Free Radical co-founder Steve Ellis has revealed that the game was almost done before it got canned.17
Timesplitters 4 devs explain why publishers turned it down
Timesplitters 4 could happen one day, but Crytek's Cevat Yerli isn't yet convinced that you want it badly enough. Meanwhile two ex-Free Radical employees have discussed why the game was turned down by publishers before the studio's collapse.9
Timesplitters HD possible if petition gains 300K signatures
Crytek president Cevat Yerli has outlined what it would take to make him push a Timesplitters re-release or sequel.2
Timesplitters 2 HD was planned for XBLA release, as was Killer Instinct HD
Timesplitters 2 HD was once planned for release on XBL Arcade, and Killer Instinct HD was also in consideration, according to Free Radical.5
Timesplitters fans campaign for 100,000 Likes
Following on from Crytek boss Cevat Yerli's comments to press and Twitter followers about the uncertainty of demand for a new Timesplitters game, fans have launched a Facebook campaign to gather 100,000 demandees. That Yerli himself asked for a demonstration lends some hope that this effort won't go the way of Operation Rainfall. The Timesplitters […]0
Crytek boss touts "fundamental issues" with Timeplitters 4
Crytek is not working on Timeplsitters 4 because it just wouldn't work, CEO Cevat Yerli has said.8
Free Radical - Battlefront 3 cancelled by "psychopaths" at LucasArts
Free Radical co-founder David Doak has told Eurogamer Star Wars: Battlefront 3 may not have been complete when it was cancelled by, but it was "very far from a car crash and had interesting ideas."14
Timesplitters developer says shooters don't make money
Free Radical co-founder Steve Ellis feels there's no room in the shooter market for anything but Battlefield and Call of Duty.19
TimeSplitters 4 is "not in development," says Crytek
Crytek UK has said TimeSplitters 4 is not in development, nixing fresh rumors from earlier in the week.5
Free Radical offered Goldeneye return pre-administration, Battlefront 3 "pretty much done"
Before it entered into administration and was subsequently bought by Crytek, Free Radical was offered the chance to make a second Goldeneye game with Activision, studio co-founder Steve Ellis has said.9
Ex-Free Radical and Rare developers form iOS studio Crash Lab
Ex-Free Radical and Rare designers have formed a new iOS studio called Crash Lab. Consisting of Free Radical Design's Steve Ellis and Rare's Martin Wakeley and Lee Musgrave, the studio was formed in November and three iOS games are currently in the works. Twist Pilot and Flying Rocket Defence are two of the titles. The […]2
Rumour: TimeSplitters 4 "seen running" in action
OXM UK sources have said its seen TimeSplitters 4, claiming it'd be also "likely" to see the old games too in some form.5
New Star Wars: Battlefront III alpha footage hits YouTube
Someone's posted up a fresh video of gameplay from Free Radical's Star Wars: Battlefront III. It's shot off-screen from a 2008 build. Free Radical went bust over Christmas 2008 and was eventually picked up by Crytek. Watch it below.9
No Second Sight 2 due to insufficient interest in first game, says Crytek UK
Crytek UK head Karl Hilton has said that a Second Sight sequel was not made due to the lack of interest with the first game.12
Report - Xbox 360 successor to be shown at E3 2012 with Timesplitters 4
A report has surfaced stating that the successor to Xbox 360 will be shown at E3 next year with Timesplitters 4 as one of its launch titles.27
Yerli: Crytek "discussing" TimeSplitters 4 development
Crytek boss Cervat Yerli has told CVG that the company is "discussing" the possibility of developing TimeSplitters 4.10
Crytek UK wants Haze to be remembered "a little more gently than when it was released"
Remember Haze? That shooter from Free Radical, published by Ubisoft and was a PS3 exclusive? Didn't go down too well? Its developer wants you to remember it. A lot more "gently".21
Page 1
Free Radical Latest
Star Wars: Battlefront 3 was live streamed today on Twitch
Out of time: the Free Radical story – Part One
Star War: Battlefront 3 was 'mediocre', 99% complete claim is 'bullshit', says source
Star Wars: Battlefront 3 was 99% finished, says ex-Free Radical dev
Timesplitters 4 devs explain why publishers turned it down
Timesplitters HD possible if petition gains 300K signatures
Timesplitters 2 HD was planned for XBLA release, as was Killer Instinct HD
Timesplitters fans campaign for 100,000 Likes
Crytek boss touts "fundamental issues" with Timeplitters 4
Free Radical – Battlefront 3 cancelled by "psychopaths" at LucasArts
Timesplitters developer says shooters don't make money
TimeSplitters 4 is "not in development," says Crytek
Free Radical offered Goldeneye return pre-administration, Battlefront 3 "pretty much done"
Ex-Free Radical and Rare developers form iOS studio Crash Lab
Rumour: TimeSplitters 4 "seen running" in action
New Star Wars: Battlefront III alpha footage hits YouTube
No Second Sight 2 due to insufficient interest in first game, says Crytek UK
Report – Xbox 360 successor to be shown at E3 2012 with Timesplitters 4
Yerli: Crytek "discussing" TimeSplitters 4 development
Crytek UK wants Haze to be remembered "a little more gently than when it was released"
TimeSplitters 4 concept art surfaces
CV: Free Radical was working on "online MMO game"
Yerli: Crytek UK, nee Free Rad, focused on Crysis 2 multiplayer
Crytek UK working on "exciting stuff", TS4 still a possibility
Free Radical: Technical issues with PS3 hindered Haze developement
Pre-purchase Damnation through Steam, get Second Sight free
Crytek assigns Free Radical projects it "always dreamed to do"
Crytek owns rights to all Free Radical properties
Free Radical to be rebranded Crytek UK
Free Rad man: Crytek buy is a "really, really good thing"


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Reviewed by: ProudMommyof3ca
(Read all my reviews)
Title: I LOVE these place mats
Date: Jul 09, 2012
these place mats are Awesome! They are very good quality and on the back are activities for the kids to do.
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Reviewed by: Belly3
Title: Ladybug placemats
Date: Nov 01, 2011
the children really like this placemat and it kept them entertained while waiting for the adults to finish dinner.
Reviewed by: EBMom
Title: FUN!
Date: Apr 18, 2011
I would definitely buy these fun placemats again. However I forgot to put crayons at each placemat! The kids enjoyed them. Even the adults enjoyed having them. They are a perfect addition to the rest of the decorations.
Reviewed by: bdaypartyqueen
Title: Excellent Purchase!
Date: Feb 17, 2011
I purchased these placemats just to have one to put at my daughter's seat, having no idea how impressed I would be. The quality of the paper is stronger than I expected. The activities on the back are excellent choices! I wish I had gotten one for each child at the party. Wonderful addition to a party!!
Reviewed by: gka2
Location: Brooklyn, NY
Title: made the table!
Date: Jan 05, 2011
Just perfect!!! Really made table complete and kept kids busy before cake.
Reviewed by: SugarDoc13
Title: Very nice & entertaining!
Date: Sep 06, 2010
They should really show a picture of the back side because these placemats are better than I expected. Very entertaining for the kids & I was able to use them as a nice set up for our tables. Love them!
Reviewed by: CrosbyCrew
Location: Pleasant View, TN
Title: Lovely 5th Birthday!
Date: Apr 09, 2010
My daughter loved this theme! Vibrant colors and cute artwork!
Reviewed by: lexismom
Location: ohio
Title: Great Activity and decorative
Date: Feb 02, 2010
These are so nice. They are not flimsy. They are of good card stock. I ordered these to decorate the table so it wasn't plain and they are adorable, plus it give the kiddies something to do while they are waiting for their cake. This was my favorite thing I ordered. You don't find this in the regular stores. I love love love it!
Reviewed by: GiannasMommy06
Location: Beaufort, SC
Photos: (click for full-size)
Title: These Rock!
Date: Dec 06, 2009
I bought these to go along with everything else from this theme and I'm so glad that I did! They are so nicely made. Very thick and they even have activities on the back for the children to do when they are done eating! They held up very well! I couldn't be any happier with my purchase!
Reviewed by: supermom2
Location: Milwaukee, WI
Title: great quality
Date: Nov 26, 2009
I thought the placemats were of really great quality. Thicker cardstock, not just paper. Kids enjoyed them and they dressed up the table.
Reviewed by: cat141
Title: Great Placemats!
Date: Aug 19, 2009
These are so pretty and bright and have cute little activities on the back for the kids. I plan to use them on the tables for decorations. They are thick as well, not thin paper like some placemats.
Very glad I bought these!
Reviewed by: AboveAndBeyondMomOf4
Location: Harlingen, Texas
Title: Great addition to have
Date: Aug 03, 2009
The Placemats are neat to have for your tabel decor. It adds to the ladybug motif/theme. A great addition to have!
Show all reviews
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Black rhodium plated 18K white gold and faceted ruby cushion drop earrings with round cut diamond accents
Material: Black rhodium plated 18K white gold, ruby, and diamond
Brand: Shawn Warren Jewelry
Origin: United States
Known as the "secret weapon" of red carpet walkers and society women, Shawn Warren launched her jewelry company 10 years ago with one thing in mind: Versatility. "I always ask myself if I can wear something with jeans or if I can layer it with other pieces that I have," the designer says. Her first collection included vintage-inspired 18-karat gold earrings with precious and semi-precious stones. Today her collection includes everything from pendants on elegant chains and leather cords to casual stones paired with diamonds.


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Mesa Tactical® SureShell™ 4 - shell Carrier and Rail for 12 - ga. Benelli® M2 Tactical
Item # WX2-182749
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This item is shipped directly from the factory. To see the expected shipping date, please add to your Shopping Cart. Sorry, no express shipping available. We are unable to ship factory direct items to Alaska, Hawaii, Puerto Rico or APO or FPO addresses.
This item cannot ship to Canada.
This item cannot ship internationally.
- Details & Specs
Mesa Tactical® SureShellTM Carrier and Rail for 12 - ga. Benelli® M2/M4/1014/Supernova.
Shell storage and mil-spec Picatinny rail all in one! Mesa Tactical® took cues from law enforcement agencies and armorers to build a Carrier that retained ammo reliably and could withstand the rigors of daily use and abuse.
The result is the SureShell Carrier... each one is machined from aircraft aluminum, then bead-blasted and hard-anodized for a strong, non-glare finish.
Easy installation, no gunsmiting required! SureShell Carriers attach to the left side of your Benelli's receiver in factory-tapped holes, all necessary hardware included.
Take your shooter to the next level of tactical effectiveness! Order ONLINE Now!
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This 7 Stone Custom Swarovski Crystal Sterling Silver Family Tree Pendant holds up to 7 of any colored birthstones you desire! The tree is encompassed by a sterling silver lining and has 3mm cubic zirconias placed throughout the branches. Using our personalization tool, you will be able to see exactly what your pendant will look like! A perfect gift for mom, she will enjoy her loved one's birthstones set into this family tree necklace.
Eve's Addiction.com wants you to be a happy customer. We want you to be completely satisfied with the sterling silver jewelry that you receive from us, as we only sell high quality silver and cubic zirconia cz jewelry. We do understand that you may not like your purchase for some reason.
You may return or exchange your jewelry within 60 days of purchase if you are not satisfied with it. The jewelry must be returned in its original condition for a refund or exchange. Engraved, personalized, photo, monogram, name and initial, and clearance items are not returnable or exchangeable. To return jewelry to EvesAddiction.com, please follow the steps at the following link.


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HOME College Murray St. Racers Gear Murray St. Racers Home Office & School (26 items) Product ID: 87086
Main Content
With its versatile size, the Fan Mat is the perfect addition to any room in the home or office. They even look great outdoors welcoming your guests. These high quality tufted mats are printed using state-of-the-art technology - the clarity of your logo combined with the rich colors makes for one outstanding mat! Backed with non-skid Latex and finished with hand-surged edges, all mats are machine washable. Made in the USA.
- Officially licensed collegiate product
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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Explore coverage anywhere in the world and add your own test results to our CoverageMap.
Our tests are combined with crowdsourced results to give you comparisons down to the street level.
Your personal testing and network comparison tool. Test your network wherever you are, whenever you want.
RootMetrics® - Email us
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first ghost sighting
Posted 30 January 2005 - 06:32 AM
Suprisingly enough with all the things I've seen, heard and felt as far as the supernatural is concerned with my being thirty-one years old
one would think I'd be able to claim that I've seen my first "classic descript" of a ghost long before much earlier this year!
What i mean by "classic descript" is the white misty like figure that would give one the impression of being humanoid in shape...
Anyway it was earlier on before the ice storm landed smack down on Muncie
Very clear night and a bit cold but not too cold to be out for an hour or so
I had been dying to have a good look at the comet that had been making its way through and convinced my husband to go out with me to stargaze.
Unfortunately theres too much light pollution to do that where I live so we drove out of town and at the last minute decided to go to my favorite cemetery (Because its out in the middle of nowhere and a cornfield)...
The Olive Branch Cemetery in Matthews, Indiana a.k.a. Elizabethtown
and I have quite a few stories to tell about that place but I'll take things one at a time...
Once we arrived the view of the stars was incredible (didnt need a telescope the place is that far out of the way) and after about half an hour of saying hello to all the residents and letting them know I've missed them since my last visit on Halloween...
My husband and I made ourselves comfortable on the ground. I'm not sure what it was that he did (leaned back on his arm the wrong way?) I just recall him saying "G*D D^MN!T!"
Suddenly I was overcome by an uncomfortable nagging feeling that I'm to say something to him about that...I tried to fight it for as long as I could
One reason being I thought I was being overly sensitive about his disturbing the silence and tried to think its just as well
Because the other reason being...
I knew hed peg me for a nutcase if I told him the residents had taken offense to his language and were asking me on thier behalf to get him to apologize.
Either way both reasons were right and I couldnt ignore the nagging anymore. I caved to the pressure my etherial peers had put me under and told my husband to say has sorry for his language
Sure enough he thought I was nuts but that was only after I told him that he
shouldnt apologize to me its the residents of the cemetery that had taken offense...And having to explain to him the hows and whys you dont want to bring up a mention like that in a place like we were in wasnt easy but he finally said he was sorry and immediately the nagging feeling went away.
He returned his attention to the stars and I decided to have a casual glance over the cemetery to make sure all was well because I could still hear (In an emotional sense) a few scoffers at the back insisting he didnt mean it...
I was able to basicly ignore that much...
And as I began to turn my attention back to the stars I noticed a white misty upper torso shaped figure moving from left to right in a relatively hasty manner to get to a spot behind some trees
And not out of the corner of my eye but dead on (pardon the dead mention)
it was then that I realized I forgot to bring my camera
...but when I was more in the mood to see stars that night I really wasnt thinking about where I may end up just as long as it was out of town...
I just sat and watched for a few seconds until the figure made its way behind the trees and it basicly stayed there until it was time to leave...
And thats my first ghost sighting...
Posted 30 January 2005 - 07:55 AM
BOO!!!!!!!!!!! NEVER LEAVE HOME WITHOUT YOUR CAMERA lol
Posted 31 January 2005 - 01:32 PM
Posted 31 January 2005 - 11:45 PM
Posted 31 January 2005 - 11:55 PM
and on Facebook
"There are some things money can't buy...A good imagination is one of them
Posted 02 February 2005 - 12:24 PM
Posted 26 February 2012 - 06:18 PM
and on Facebook
"There are some things money can't buy...A good imagination is one of them
Posted 28 March 2013 - 10:39 PM
and on Facebook
"There are some things money can't buy...A good imagination is one of them
Posted 30 April 2013 - 08:35 AM
SHALOM my friends !
Posted 25 September 2013 - 02:12 PM
Posted 25 September 2013 - 06:06 PM
and on Facebook
"There are some things money can't buy...A good imagination is one of them
Posted 26 September 2013 - 08:14 AM
Posted 04 October 2013 - 04:30 AM
Posted 04 October 2013 - 08:20 AM
Posted 11 October 2013 - 08:54 AM
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Suitable from birth
Sunny Safari Musical Mirror can attach to your pushchair, stroller, or the side of a cot. Pull down the plush elephant to hear comforting music helping calm your baby. A reflective sun lets your baby see their own movement.
Designed to stimulate the senses and encourage motor skills, Sunny Safari is our new range of toys suitable from birth. Featuring loveable characters, high contrast visuals, feel-good fabrics and grasp-friendly extras like squeakers, mirrors and bells, this 'classic modern' collection will captivate baby's attention and encourage physical activity like reaching and wriggling. Perfect for gifting too!
keeps my 4 month old granddaughter entertained
Fantastic little musical toy. My 6 week old loves it. The little tune is very peaceful and little one loves falling asleep to it. Great to stick on pram, car seat, moses basket and anywhere else you can clip it!!
Excellent crib toy - plays delightful and soothing tune. The sunny mirror lets your baby see their movement. Nice addition to your baby's room
These are exclusive customer reviews unless otherwise stated. Specifications of goods are subject to change.
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This product is available as a pre-order. This means that we do not currently have the item in stock but we are expecting it shortly. You can place an order for this product now your expected shipping date will be 26-11-2014
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Case Trimmer, Original, (collet and pilot not included). The old standby! The Original, Forster Case Trimmer is the right choice for most calibers with bullet diameters from .171" to .459" . It is actually a fine miniature lathe with a superior shell holder design based on a Brown & Sharpe type collet. Collets #1 through #4 fit this Original, Case Trimmer and hold the rims of most rifle and pistol calibers within that range. Our Original, Case Trimmer allows you to take your handloads to a new level. It allows you to expand your system by adding many "accurizing" case trimmer accessories.
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- 2014 nissan gt r 0
2014 Nissan GT-R squeaks in under $100k*, Murano CrossCabriolet priced, too
by Jeffrey N. Ross (RSS feed) on Jan 25th, 2013 at 11:29AM
Another year, another price hike for the ridiculously awesome Nissan GT-R. When the GT-R was introduced for the 2008 model year, it had a starting price of $69,850, increasing steadily each year up to $96,820 for 2013, and now Nissan has announced that the 2014 GT-R will have a base sticker price of $99,590 (*not including the destination charge, which has not been announced yet). More than just a simple price hike, the 2014 GT-R gets some upgrades, continuing the model's other longstanding tradition – continuous improvement. While there has been no increase in power, Nissan says the... Read More


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Sterling Silver,
Crystals and Stones
Inspired by the Disney classic, Cinderella, this beautiful bead carries an engraved message which reads "Believing is Just the Beginning".
Disney - A Dream Is A Wish - Glitter Enamel Bead
$ 50.00
Disney - Believe Necklace
$ 95.00
Disney - Dreams Really Do Come True Bead
$ 50.00
Disney - Jimmy Cricket Bead
$ 55.00


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The University of Minnesota is home to a highly successful Department of Intercollegiate Athletics. There are 12 women's and 11 men's varsity sports competing in the storied Big Ten Conference as well as the Western Collegiate Hockey Association (WCHA).
Sporting venues on campus include venerable Williams Arena (the "Barn"), the world-class University Aquatic Center, Mariucci and Ridder Arenas, and TCF Bank Stadium—the Big Ten's newest multi-purpose football stadium.
You don't have to be a Division I athlete to stay healthy—and to compete—on campus. The Department of Recreational Sports (DRS) enriches the student experience and facilitates healthy lifestyles across the U community. Facilities on campus include the University Recreation & Wellness, University Aquatic Center, Cooke Hall, University Fieldhouse, St. Paul Gymnasium, and a host of outdoor facilities.
Whether it's fitness classes, intramural sports, or activities offered through the Center for Outdoor Adventure, students can take advantage of a range of recreational sports opportunities available at the U.


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New Arrivals
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Shadow Stripe Summer Camp Shirt
Soft and light and cool—it's the right white shirt for summer. 57% Polyester, 43% Cotton. Machine wash. Imported.
- Contoured with top-stitched princess seams.
- Button front with button epaulettes and flap pockets. 3/4 sleeve with two-button roll tab cuff. Back yoke. Shirttail hem. Silvertone buttons.
- Hits at the lower hip (25.5 from shoulder).
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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The My Spy Birdhouse™ allows you to peek into the secret lives of nesting birds! Get your baby bird fix—watch as they nest and the mama bird feeds her young… all without ever disturbing the flock. Clever birdhouse features a clear acrylic window with a 2-way mirror film so you can see the birds, but they can't see you! Safely attaches to any glass surface via super-strong, all-weather suction cups and durable, engineered resin. Plastic. 6¼"W x 7¾"H x 4½"D.
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