Smakbat,
"Second, was this over a weekend? that could effect the landing of the money. If it was not a weekend and they take four days to wire (yeah right), then they are making tons of money on you."
It's not over a weekend, that is exactly my point. Hypothetically

I have asked them to make the wire transfer on Monday January 1st, they remove the money from the account on Monday January 1st and it takes them 3 -4 days to wire transfer the money to the recipient. I feel like they're totally ripping me off!
Your're right about that used car tactics they use. They advertise "this and that" but in reality they're tactics to get your money! I can't believe we put up with it and unfortunately every bank is the same.