Screw Bank of America

"TheRealBicycleBuck" (therealbicyclebuck) 05/17/2017 at 14:04 • Filed to: None

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So I’m trying to deal with my mom’s estate, including her account with BoA. They send me a packet of information and forms to close out her account. I complete the forms, have everything notarized, run it all by an attorney, then send it in. Sending it to them is a joke - they will accept hard copies by mail or you can fax it to them, but you can’t scan the paperwork and post it or send it via e-mail. Never mind that I could scan the paperwork and send it to them from a fax modem or via fax service. Go figure.

I decide to fax everything in, then wait a week for a response. Nothing. So I call them. They have taken issue with one of the forms and didn’t bother to contact me about it. At issue is one of the statements in the affidavit, “The fair market value of property located in this state owned by the decedent and subject to disposition by will or intestate succession at the time of the decedent’s death, less liens and encumbrances, does not exceed Twenty Thousand Dollars ($20,000.00).” This is a DIRECT QUOTE from the applicable statutes in the State of Oklahoma. BoA’s problem? The word “or”.

In order to assuage BoA, my attorney makes the change, we get everything signed and notarized, and I resubmit the paperwork. Now they tell me that I’m sending in the wrong paperwork, but refuse to tell me what paperwork they will accept.

Oklahoma law absolves them of any culpability in the case where documents are forged or falsified. From 58 O.S. §58-394: “Such person is not required to inquire into the truth of any statement in the affidavit.” And, “Any person to whom payment, delivery, transfer, or issuance is made is answerable and accountable therefor to any personal representative of the estate or to any other person having a superior right.“

If someone were to claim a superior right to my mom’s estate, then it’s on them to prove their right and it’s on me to refute the claim. BoA wouldn’t be involved beyond providing copies of the paperwork. BoA isn’t even required to file any paperwork with the State, so there’s nobody providing oversight that would deny the paperwork.

All of this headache for just enough cash to pay for her funeral and pay off her final bills.

Screw Bank of America.

TheBloody, Oppositelock lives on in our shitposts. > TheRealBicycleBuck 05/17/2017 at 14:06

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I had a BoA credit card, then I worked with their IT security team. I no longer have a credit card with BoA. In a word, terrifying.

TheRealBicycleBuck > TheBloody, Oppositelock lives on in our shitposts. 05/17/2017 at 14:09

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Our mortgage was sold to BoA. We were thankful when they sold it to someone else this spring.

415s30 W123TSXWaggoIIIIIIo ( •_•))°) > TheRealBicycleBuck 05/17/2017 at 14:09

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Screw them all, I had a major problem with Wells Fargo, a few years ago they used someone else’s money to pay some of my car payments and then told me I was done and gave me the title etc... then came back to say I didn’t pay them, it was a huge thing. All that banks suck and don’t give a shit. I had multiple people calling and harrassing me, who didn’t talk to each other and they worked for the same bank!! I finally moved high up the chain of command and yelled at someone.

TheRealBicycleBuck > 415s30 W123TSXWaggoIIIIIIo ( •_•))°) 05/17/2017 at 14:11

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I’m about to have an attorney yelling at someone.

ADabOfOppo; Gone Plaid (Instructables Can Be Confusable) > TheRealBicycleBuck 05/17/2017 at 14:11

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You are not alone. My wife had a friend who lost both her parents. Trying to get BoA to meet my wife’s friend’s requests was apparently a complete nightmare.

TheRealBicycleBuck > ADabOfOppo; Gone Plaid (Instructables Can Be Confusable) 05/17/2017 at 14:13

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The attorney tells me that BoA is the worst bank to deal with. I think they are running neck-and-neck with the life insurance company. It’s been nearly two months and we still haven’t seen a check. You would think this would be simple. She died. They have the death certificate. They admit she had life insurance with them. What’s left to do but cut a check?

ADabOfOppo; Gone Plaid (Instructables Can Be Confusable) > TheRealBicycleBuck 05/17/2017 at 14:17

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If they make it aggressively more difficult than reasonable to deal with them, most people will either give up on getting their money, or spend more than they would be getting anyway on principle.

Just like how ComCrap and VeriSuck tack on those extra ‘fees’. Most people won’t notice. And just like in Office Space, all those little rounding errors add up to Billions in the CEO/Board/Shareholders pockets.

We should kill corporations.

WilliamsSW > TheRealBicycleBuck 05/17/2017 at 14:21

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We’re the phone company bank. We don’t care, we don’t have to. Resistance is futile.

jariten1781 > TheRealBicycleBuck 05/17/2017 at 14:24

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When this happened to me (I was helping out an aunt) it was because the life insurance paid out contingent on all other potential life benefits paying out first or something like that. Making up values, say the coverage was 100k my uncle’s company had a death benefit of 8k the life insurance would only pay out 92k or whatever. It was irrelevant to our situation (he had nothing else) and the initial paperwork said that. Somehow we got flagged to have an independent assessment of the benefits (that was done by some firm hired by the life insurance company) where we were supposed to send an affidavit stating all of the other benefits that could be paid that the firm would then evaluate to provide an independent assessment of what was due. Turned out that the firm didn’t send us the paperwork to actually file so it was just held in abeyance. Was a nightmare the figure out because the front line guys at the insurance company weren’t able to see why it was on hold and didn’t know where to transfer to find someone who could. Then those people initially wouldn’t give use the contact info for the independent firm. Then the firm spent weeks trying to figure out what happened to the paperwork and re-sending it. All so she could sign a piece of paper saying he had no other benefits....gah.

PartyPooper2012 > TheRealBicycleBuck 05/17/2017 at 14:31

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Sorry for your loss

What does BoA have to do with anything? Was there a mortgage? Sorry. I am not familiar with this headache.

V8, RWD and pedal to the floor! > TheRealBicycleBuck 05/17/2017 at 14:37

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I went through the same thing with my mothers estate a bit more than a year ago.

BofA were 100% unhelpful and sometimes hostile. The estate planner that we hired prior to my mothers death warned us that BofA was the worst bank to deal with and that they might ‘lose’ the paperwork a few times. We were not able to change banks before my mother died and true to form, BofA were simply obstructionist.

They flat out told me that they would not observe Arkansas law and that some of the legal paperwork (giving me access to the back account to pay bills and so forth) was not up to their lawyers standards and they would not accept it despite all of the documents being drawn up per Arkansas law. They refused to tell me what paperwork was at issue or to assist me in any way. I had to have my attorney talk with BofA before they became (reluctantly) helpful. Then they started to lose paperwork. I am dealing with a branch. Not mailing or faxing. I would provide something and then they would lose it within a day. All a delaying tactic. Note, all of the accounts had a combined $14,000 in them. Not a massive amount of money.

The day that I closed the account and told the BofA people to F off was a great day!

F’ BofA!!!

I must say that dealing with OPM (Federal Office of Personal Management) and the Social Security Administration was easy and absolutely painless. They were professional and processed all of the paperwork very quickly.

Heck, even the insurance company was great to work with and they had us a check quickly.

TheRealBicycleBuck > jariten1781 05/17/2017 at 14:40

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Holy crap. With this it’s call, wait on hold for 20 minutes, get a new representative, spend 20 minutes getting the new representative up to speed, wait for the new representative to have a conference with some low-level attorney who probably lives in a state other than Oklahoma and probably doesn’t know jack about OK law (their fax number is for the Seattle area), then get denied because they don’t like something on the paperwork. It’s really just about that - what their attorney says versus what our attorney says. I’m worried that I’m going to have to go back to OK and take them to court over this.

TheRealBicycleBuck > V8, RWD and pedal to the floor! 05/17/2017 at 14:42

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Yep. They’ve screwed me multiple times now. I’ll be glad when I can take all of my business elsewhere.

Takuro Spirit > TheRealBicycleBuck 05/17/2017 at 14:43

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Fuck BOA. Screwed up my house loan during the collapse of 2008.

smobgirl > TheRealBicycleBuck 05/17/2017 at 14:45

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They sold mine to Pennymac, which is actually worse. I hate banks.

Mercedes Streeter > TheRealBicycleBuck 05/17/2017 at 14:53

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B of A is the only bank that’ll give me a bank account as every other bank looks at my history and gives a hearty laugh (my parents went and bounced lord knows how many checks in my name). So sweet, I have a real bank account finally. However, they’re so unforgiving in all of their services.

Here’s the funny part, you can deposit checks using the app, so they have the tech to receive docs by digital means, they just choose not to for those documents.

Oh and here’s a fun hack for anyone who has BoA like me. Even though their ATMs strictly say that they can only give out $20s, about half of those same exact ATMs can and will give out $50s.

Just...screw these big banks in general. I think I only dislike ITT Tech, Davita Dialysis, and Comcast more than a big bank. I wish a local credit union would take me without massive caveats.

TheRealBicycleBuck > Mercedes Streeter 05/17/2017 at 15:00

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Many banks have the capability to receive the documents, they just choose not to in their estate departments.

The life insurance people insist on doing everything by mail and they won’t send anything overnight or certified. They wouldn’t even talk to me by phone until I received their “condolence” letter which they didn’t send until three weeks after I notified them of her death.

Chariotoflove > TheRealBicycleBuck 05/17/2017 at 15:10

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I’m just sorry for your loss, and that you have to deal with this crap on top of it.

TheRealBicycleBuck > Chariotoflove 05/17/2017 at 15:45

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Thank you.

Nibbles > Mercedes Streeter 05/17/2017 at 16:11

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Gotta ask - why do you hate DaVita?

CTSenVy > TheRealBicycleBuck 05/17/2017 at 16:11

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I had a nice local bank that I loved that got bought out by a bigger national chain. Service went to hell and it was impossible to get a hold of anybody.

Mercedes Streeter > Nibbles 05/17/2017 at 16:22

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Basically they’re a for-profit company that rips off taxpayers, tries to convince patients to not get kidney transplants despite the incredible danger (more money for them), throws away valuable medication...and has a CEO that compare dialysis to Taco bell.

TheRealBicycleBuck > CTSenVy 05/17/2017 at 16:24

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I’m really leaning toward using a credit union from now on. The trick is to find one big enough to have the convenient services, yet small enough to remember that they are dealing with people, not accounts.

Nibbles > Mercedes Streeter 05/17/2017 at 16:47

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So what John Oliver said. I do love me some John Oliver

Disclaimer: I work for DaVita in a non-management functional role

I don’t particularly feel comfortable going into specifics - I’m not a spokesperson for the company - but I’ll say this: My wife and I both sat there and laughed our asses off at that segment! Not that any of it was patently false but a lot was taken entirely out of context (the whole Taco Bell thing for one).

Plenty of mistakes were made. I am one of the countless thousands employed to rectify those mistakes. I can’t speak for individual clinics but I can tell you in complete honesty that I spend well over 60 hours per week doing everything I can to ensure patients get their dialysis completely and on time.

If you have questions I’m happy to answer to the best of my abilities. Just remember I’m not a spokesperson.

Mercedes Streeter > Nibbles 05/17/2017 at 17:00

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Oh, now you’ve piqued my interest! So it’s not entirely a healthcare version of ITT Tech? That’s a big relief.

What parts were taken out of context?

Nibbles > Mercedes Streeter 05/17/2017 at 17:11

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Lol no it’s not. I will watch it again to refresh my memory but for certain the Taco Bell part (he was speaking to a business class about business operations - the reference was more along the franchising and individual locations aspect), the dialysis vs transplant part (the facility admins go through a metric ton of training on that part alone) and the factory-floor mindset (may have been that way in the past, I cannot confirm, but these days nobody is rushed in or out - we just released a system to more efficiently catch missed treatments and get them in ASAP as every day after a miss is a 150% increase in mortality chance)

Things that are true: We fucked up. We fucked up big a few years ago. We did learn from that and gof if i could go into specifics about what we have done to ensure that shit NEVER happens again i would. Also KT is absolutely that weird, but it absolutely works. DaVita and KT are case studies for how to run a business properly at many schools.

Also true is that both transplants and staying on dialysis is offered. There are pros and cons to both, both physically and financially. We cannot by law push a patient either direction, they have to make the decision themselves. Many choose dialysis simply because it’s more affordable.

Mercedes Streeter > Nibbles 05/17/2017 at 17:20

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Ah, so it’s a case of a company that fucked up big in the past, but is working hard to clean itself up. I’m happy to read that. :) Are you able to confirm if all locations are adhering to the newer, better standards? Perhaps Oliver’s data is old or perhaps based on the few sites that are still operating under the old standard stuff?

In terms of for-profit schooling, I made the mistake of seeing the ratings for the local ITT outfit (4 stars) and thinking “oh, they’re better than ITT’s other branches” and I promptly got had. I still can’t enroll in school either. ITT made sure they made off with the maximum amount of student loans the feds were willing to give me.

I don’t really have a horse in the race of for-profit healthcare (Miss Tesla does, though) as I tend to keep my specialists and primary care providers limited to small non-profits. The quality of treatment is sometimes sketchy (like my nurse stabbing me with a needle 4 times just to find my vein) but on a cost analysis, I’m getting exactly what I pay for. Such will be important if I lose insurance in the next couple years.

Nibbles > Mercedes Streeter 05/17/2017 at 17:31

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All our clinics are adhering to the standards set forth, as well the business is adhering to standards set in our Corporate Integrity Agreement with the Office of the Inspector General which is readily available online. It’s a long read but worth it if you’re interested in what we do to not relive the past.

Not only that but we are a global company now. Our standards have to meet the standards of every country in which we operate.

Dialysis sucks balls. I haven’t had to undergo it thank gof but my best friend did for 8 years before he got his transplant (one year anniversary last month WOO!). I’ve spent enough time in clinics to know I wouldn’t wish it on my worst enemy. That’s why I do what I do, and 74,000 others do it as well - to make a horrid situation liveable.

Mercedes Streeter > Nibbles 05/17/2017 at 18:03

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I’ve spent enough time in clinics to know I wouldn’t wish it on my worst enemy. That’s why I do what I do, and 74,000 others do it as well - to make a horrid situation liveable.

Yay! Keep it up! And thank you for clearing everything up. It makes me genuinely happy to hear it’s not as bad anymore as we saw on Sunday. 

Weird, Oliver’s usually on point about most stuff too.

The Compromiser > TheRealBicycleBuck 05/17/2017 at 18:09

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We had to get authorization paperwork, signed by my mom. A week after her funeral. And get her on the phone to ok my sister to have permission to close the cable account.

We got smarter. When dad died, I found  the paperwork already signed, and he had the courtesy to call and authorize me to close out some accounts. What a guy.

TheRealBicycleBuck > The Compromiser 05/17/2017 at 19:54

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I learned the hard way that power of attorney only applies while they are still alive. Even with paperwork showing me as successor and trustee, we still have had problems. Everyone wants their own form and/or paperwork.

The Compromiser > TheRealBicycleBuck 05/17/2017 at 23:30

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And for something that must literally happen 3VERY FUCKING DAY, why do they never know what to do right off the bat. How about a fucking script that says “ded”, and the next page says “don’t be a fucktard”. Last page can be “seriously, help these people out and be nice, they are already having a shitty day.”

gmporschenut also a fan of hondas > TheRealBicycleBuck 05/18/2017 at 23:45

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Fuck that place.

i hate BOA so goddamn much. the one near me, I swear its their policy to hire kids that just graduated high school. “hi how can i help you? “”im here to do ____ i’m going to have to talk to one of the folks at the desk, im just going to wait till one is availble” “nope i can do it” ‘no you wont be able to” id rather just wait “ no i can help” (goes though BS typing up shit.... hmm the system isn’t letting me do this.”

after my grandfather died and my grandmother was selling their house, there were some big checks getting moved around. one teller goes “wow look how much is in this account!!’ (then goes and turns the moniter 90degrees  around so the other tellers, and 3 customers can see.

Also the time I had to get a certified check made before my deposit had gone through. “hmm i’ll just force it through the system”. (account overdrawn.) speak to manager at other branch “umm i think thats against policy and possible illegal”