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draggonlaadyI am so freaking fed up with Bank of America. I am going to the other bank in town today and opening a checking account. I am doing so as soon as I get off the phone with the BoA rep I am currently holding for.
I'm balancing my check book today, you see. And oddly, there's a withdrawl from my checking for about $150. This payment is made TO BANK OF AMERICA. With the same code as for my mortgage. Except that it is NOT my mortgage payment (which is much larger, and had already been taken out).
So I call the Bank of America Customer unService line. After wading through the phone tree, I explain to the woman that a withdrawl has been made that I didn't authorize and I want to know why. She puts me on hold for 3 minutes. She comes back and very helpfully offers that the payment was made to Bank of America. I say I figured that out on my own-since I read to her the description of the payment saying so. What I want to know is WHY. For what reason does the bank get to decide I owe them $150? She puts me back on hold to "find out some more information." 5 minutes later, she comes back and tells me that it was made to the mortgage department. Again, I ALREADY KNOW THAT. She still hasn't answered WHY. And instead of doing so, she gives me the phone number to the mortgage people.
2 minutes wading through the phone tree, 8 minutes on hold, 2 minutes talking to learn NOTHING.
Now I'm trying to fight through the mortgage phone tree, which keeps telling me that my zip code is invalid. Oh, now I've exceeded the number of tries and it's transferring to Customer Service. AAAAAAND they're busy. On hold. 3 minutes before anyone picked up. She's "taking a look" now. "I'm checking that for you." ... "Well, your payment cleared the tenth. Let me see if I can get some more information on the payment from the 15th." ... "Just trying to read some notes here."...
5 minutes later, she finally starts actually talking to me. Seems this has something to do with requesting that the payments be changed from 2 with extra to 1 payment at the minimum required. She says the work order for that was processed twice. She does not explain, even after specifically asking, why processing that order once, twice, or 6000 times should cause an extra payment to be taken out of my account. She says she's put in a request that the money be refunded. That request should be processed by the 16th, which means they should have sent something to the checking department by the 17th; she won't tell me how long that translates in reality to having the money in my account, because she can't tell me how long the checking department will take to process that work order.
And now, I'm off to America West to get that other checking account. I am sick as hell of this crap. Anybody out there that cares, I strongly recommend NOT getting an account at BoA, and if you're looking for a mortgage, I think you're better off to pay the homeless guy on the corner beat you with a pool cue than to waste your time fucking around with BoA's mortgage people.
http://draggonlaady.livejournal.com/150350.html
http://draggonlaady.livejournal.com/110469.html
http://draggonlaady.livejournal.com/111025.html
I'm balancing my check book today, you see. And oddly, there's a withdrawl from my checking for about $150. This payment is made TO BANK OF AMERICA. With the same code as for my mortgage. Except that it is NOT my mortgage payment (which is much larger, and had already been taken out).
So I call the Bank of America Customer unService line. After wading through the phone tree, I explain to the woman that a withdrawl has been made that I didn't authorize and I want to know why. She puts me on hold for 3 minutes. She comes back and very helpfully offers that the payment was made to Bank of America. I say I figured that out on my own-since I read to her the description of the payment saying so. What I want to know is WHY. For what reason does the bank get to decide I owe them $150? She puts me back on hold to "find out some more information." 5 minutes later, she comes back and tells me that it was made to the mortgage department. Again, I ALREADY KNOW THAT. She still hasn't answered WHY. And instead of doing so, she gives me the phone number to the mortgage people.
2 minutes wading through the phone tree, 8 minutes on hold, 2 minutes talking to learn NOTHING.
Now I'm trying to fight through the mortgage phone tree, which keeps telling me that my zip code is invalid. Oh, now I've exceeded the number of tries and it's transferring to Customer Service. AAAAAAND they're busy. On hold. 3 minutes before anyone picked up. She's "taking a look" now. "I'm checking that for you." ... "Well, your payment cleared the tenth. Let me see if I can get some more information on the payment from the 15th." ... "Just trying to read some notes here."...
5 minutes later, she finally starts actually talking to me. Seems this has something to do with requesting that the payments be changed from 2 with extra to 1 payment at the minimum required. She says the work order for that was processed twice. She does not explain, even after specifically asking, why processing that order once, twice, or 6000 times should cause an extra payment to be taken out of my account. She says she's put in a request that the money be refunded. That request should be processed by the 16th, which means they should have sent something to the checking department by the 17th; she won't tell me how long that translates in reality to having the money in my account, because she can't tell me how long the checking department will take to process that work order.
And now, I'm off to America West to get that other checking account. I am sick as hell of this crap. Anybody out there that cares, I strongly recommend NOT getting an account at BoA, and if you're looking for a mortgage, I think you're better off to pay the homeless guy on the corner beat you with a pool cue than to waste your time fucking around with BoA's mortgage people.
http://draggonlaady.livejournal.com/150350.html
http://draggonlaady.livejournal.com/110469.html
http://draggonlaady.livejournal.com/111025.html
