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Banks For Nothing

An email I sent to Bank of America

“Banks For Nothing”

I have been a loyal customer to Bank of America, which was Providence, RI based Fleet Bank before it was bought out in 2004, for almost 20 years. I am 27. Over the past 5 months I have had continuous problems with Bank of America. Problems caused by Bank of America employees, not by myself. In 2007, someone without my permission made a purchase with my credit card. Luckily, an employee of Bank of America saw the mysterious purchase and notified me. Thank you Bank of America. After canceling the purchase, the paranoid conspiracy theorist that I am, I wanted my Checking and Savings account numbers changed and I wanted to be issued a new credit card for my own protection. I want to know that no one else would have access to my money. Because I need my money, just like everyone in the US needs their money. Money has by default become our major natural resource for survival. At the time it seemed like the changing of account numbers went smoothly and uninterrupted. But, what ended up happening is when I asked an associate of BOA to change my Checking account number, instead of giving me the type of account I asked for, which is the one I had previously, the associate gave me a “My Access” account. But what they didn’t tell me is that my “My Access” account requires a minimum balance of $750 in the account at all times. And if I don’t keep that minimum balance I will get what is called a “Monthly Maintenance Fee”. Now, I didn’t know I had this minimum requirement because not all “My Access” accounts have it and I was not notified. If I was, I would have said “No I do not want a minimum balance, I want the same account I have had for 18 years. Also the “Monthly Maintenance Fee” only appears on the On-line banking statement. it does not appear on the paper/traditional mail statement, which is the one I check. So, for a year and a half I have been getting $18 a week taken from my Checking account. $18 a week starts to add up. So, when I explain this to the BOA associate over the phone he says “that there’s nothing he can do to change the account or help me”. Thanks for nothing. But it doesn’t end there.
When I asked Bank of America to issue me a new credit card they did, but they didn’t issue me a new credit card. I’ll explain.
BOA sent me a new card with a new number, but the number that was on the card did not match the number that was assigned to the card. So, when I swiped the card, the number that appeared on bills, statements, etc. did not match the number on the card itself. So, when I explain all of this I also came to find out that my credit card account that got “hacked” into and that I wanted closed forever, was never closed. After weeks of complaining and calling the issue was finally resolved. But you know what it still doesn’t end there.
In fall 2008, a simple transfer of money from my CD into my checking account turns into a nightmare. I wanted money from my CD to be transferred into my checking so I could pay off my credit card bill. I figured while I’m at BOA, why not pay the bill here? So, I go through the process of talking with the associate, showing ID and signing papers. I follow the associate to the teller and we go ahead and finalize the transfer from my CD to Checking account to Credit Card Account. I leave happy. A week later I check my account on-line and noticed that the money had transferred from my CD to my Checking, but did not transfer from my Checking to Credit Card account so my bill was never paid and now I have all kinds of fees and fleas. So, now I have to call customer service and fight with associates and then finally win my argument with the “person-in-charge” to get all of the fees and fleas waived, because it was Bank of America’s fault not mine. It was Bank of America’s fault not mine. Your fault and this is where it ends. It ends with me pulling my Green Natural Resource, money, out of all of my Bank of America accounts and closing them to put my money into another bank’s hands, a local bank’s hands. Banks for nothing. Thank you also for raising credit interest on loyal customers who pay their bills on time and who also helped bail your ass out from bankruptcy. FYI, you might find it tough to get new business when you double-dip from and treat good customers who have been loyal to you like they are expendable. Its actually the other way around. You’re expendable. Without our money, you don’t exist. You exist because people put their invisible money into your invisible bank hands. But I know the people at the top of BOA will be ok, they’ll find a job as an executive, CEO, etc. somewhere else. Its the worker bees, people like me, whose job security will be in jeopardy when Bank of America eventually gets bought out. And why would Bank of America the enitity care about that?

I hope 2007 “Banker of the Year” Kenneth D. Lewis (even though BOA’s profit was down 29% in 2007) and all of the other executives over at Bank of America enjoy the money they’ve stolen from the American people and I hope they live happily ever after forever and ever just like in Walt Disney’s propaganda movies.

Disgusted and taking my money and running,
Rhode Island

Apr 16

Grown Man Talk

The term “grown man talk”. I’m not feeling it. I heard it used in a TV interview with Busta Rhymes and The Game. The Game was explaining to Busta about how he plans on putting his music career aside for a while to take care of his family and spend more time with his kids. I found that to be commendable, but at the some time I thought of a Chris Rock punchline from “Bigger and Blacker”.

setup: Man wanting credit for taking care of his kids
Rock’s punchline: “You’re suppose to take care of your kids you dumb motherfucker. What do you want a cookie?”

Back to the interview. So, Busta nods his head and says to Game, “that’s some grown man talk right there”. Grown man talk? What? Why should it be suprising that he is talking like a grown man? Yea, I hope what he is saying is Grown Man Talk. The Game is over 21, appears to have a family, I hope he is talking like a grown man. I turned the TV off and couldn’t help but to start to think a little deeper into this term. Do we actually needs this term? Shouldn’t it be a given that a grown man is using grown man talk. I started to think about our American culture and pop culture. A lot of people in America have a tough time taking responsibility for their actions, but that’s not the worst part. The worst part is…they get away with it. Look at the banking crisis, housing market crisis, WMD mistakes in Iraq, Ex-Mayor Blogdonvich, etc. They are all pointing fingers and passing the blame. “He did it, She did it”. But that is only a short list to a  list that  goes on forever and will continue to go on forever. Because everyone enjoys passing the blame. Why? Because its easy and if you can get away with it! Why not? On our television we watch our own government get away with it. The MBTA gets away with it. The old “i didn’t do it, he did it” routine from our childhood. Who’d a thunk it would still work as an adult? Apparently a lot of people do. I inadvertently heard A-Rod’s press conference yesterday as he explained that “he was just a stupid kid” for taking steroids. “I was just a stupid kid at 23 and I didn’t know what I was taking. I didn’t know. I thought they were magic power pills from Central America that cost me 5 hundy. Can you blame a kid for being stupid?” Yes A-Rod, you can blame a kid for being stupid. Especially when the kid is 23-25 and he needs to produce big numbers at the plate cuz he just signed a 5 hundy milli dollar contract. Stupid fucking kids. Michael Phelps is another stupid fucking kid at 21 or whatever stupid fucking age he is. Does age matter when you’re a stupid fucking kid? Can’t you just be a stupid fucking kid forever? There are probably a lot of stupid fucking male kids in America. I’ve bumped into a couple. I’ve literally bump into a couple because, you know, they’re stupid. I say, “Hey you stupid fucking kid watch where ya going, you might end up becoming a doctor or some shit being so fucking stupid.” (Bill Cosby does a great bit on brain damaged kids saying and doing stupid shit.) It’s pathetic. What’s the point of playing a game with rules when everyone breaks them? Why have the rules? Is it fair that some of us have to obey and others don’t? Is that the point? And why are some rules enforced, but others aren’t? For me it just adds to the pile of shit that we ship over to the poor parts of Cambodia and China and leave for them to deal with. (Even our own shit and stuff we have to dump on other people. Our TV’s, computers and other electronic gizmos we no longer have use for. We fucking dump it on someone else.) What stupid fucking kids we are. And it makes sense that we produce stupid fucking kids. And we act like stupid fucking kids. I am not excluded. So, maybe I’m wrong about the term “Grown Man Talk.” Maybe we need this term to spark some more grown man talk in this country.

blogging it.


Feb 18

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