"No, we don't want your money" - The Bank

"CB" (jrcb)
09/25/2019 at 17:01 • Filed to: Living in the future sucks

Called to put more money towards my car loan, they said I can’t do it over the phone. Which is weird, because they let me modify my payment plan over the phone. In any case, apparently what I have to do is order cheques, drive half an hour south to my nearest bank to pick them up, then drive 45 minutes north to go drop off a void cheque since my loan is with a different bank . But attempting to order cheques online results in an error message.

Thank goodness the banks are in the future with the rest of us.

DISCUSSION (35)

Spanfeller is a twat > CB
09/25/2019 at 17:06

Its your fault for wanting to be less indebted

farscythe - makin da cawfee! > CB
09/25/2019 at 17:07

ooo sounds like the banks are just as in the future as the gubment over here

i have to fill out a form online...... then print it out and mail it to them

.......

welp on the upside.... shit like this irritates me... but i dont feel old

Long_Voyager, Now With More Caravanny Goodness > CB
09/25/2019 at 17:07

I just wish banks would run like 12-8pm for hours so working people could actually get to the bank without needing to leave work early....

Supreme Chancellor and Glorious Leader SaveTheIntegras > CB
09/25/2019 at 17:07

Capital One won’t let me pay early for my car payments and if I do pay too early, that payment is subject to count for the month it’s paid in and not the following.

Banks are odd

Chariotoflove > CB
09/25/2019 at 17:09

That is weird. I’d think you’d be able to just do it online.

Longtime Lurker > CB
09/25/2019 at 17:10

You can go to the bank and get a void cheque. No need to order a checkbook.

Ford credit made it difficult for me to make additional payments on my truck, any payments put through online would be treated as prepayments

CB > Long_Voyager, Now With More Caravanny Goodness
09/25/2019 at 17:12

Or being open Saturday and Sunday!

Living in a rural area, my bank days are Monday through Friday, 10-4.

I’m lucky a lot of my days off are week days.

CB > farscythe - makin da cawfee!
09/25/2019 at 17:13

That’s absurd.

CB > Longtime Lurker
09/25/2019 at 17:13

Really? Excellent .

And that’s pretty bogus on Ford’s part.

CB > Supreme Chancellor and Glorious Leader SaveTheIntegras
09/25/2019 at 17:13

It’s almost like they hate us.

farscythe - makin da cawfee! > CB
09/25/2019 at 17:15

yeah....... thats why it just amused me instead of surprised me

its the kinda shit only the gubment would do

Long_Voyager, Now With More Caravanny Goodness > CB
09/25/2019 at 17:16

Our local bank is 8-4 during the week, 8-12 on Saturday. So we at least have Saturday, not that it helps when you’re trying to get money out on Wednesday when you work til 4:30 though.

CB > Long_Voyager, Now With More Caravanny Goodness
09/25/2019 at 17:17

Yep.

Local post office also has that issue. 9-5, closed at lunch, only open 9-1 on Saturday. When I work a stretch of days, I can’t pick up packages for a week.

Stapleface-Now Hyphenated! > CB
09/25/2019 at 17:20

You can’t do that stuff o nline ?

Since 2010 I’ve dealt with Nissan, Mazda, Subaru and Honda financing a nd every one of them let me do whatever I wanted online

Thomas Donohue > CB
09/25/2019 at 17:21

Phone Call? Physical b ank? Check? Can’t you just make a payment online?

I haven’t done any of those things in years, with the exception of writing out checks for the occasional wedding gift. Every time it takes me two days to find the checkbook.

Even my mortgage re-finance was done online, they just sent someone to the house to have me sign the paperwork.

Long_Voyager, Now With More Caravanny Goodness > CB
09/25/2019 at 17:22

Oh man, our post office is terrible. 8-4, but they take an hour+ lunch around 11, so you can’t even get there on your lunch break.

CB > Stapleface-Now Hyphenated!
09/25/2019 at 17:24

Not that I’ve figured out. He didn’t even give me online as an option.

CB > Thomas Donohue
09/25/2019 at 17:25

I wish I had a better answer. They didn’t even give me online payments as an option.

CB > Long_Voyager, Now With More Caravanny Goodness
09/25/2019 at 17:25

It’s almost like having everyone work the same schedule is a terrible idea.

VajazzleMcDildertits - read carefully, respond politely > CB
09/25/2019 at 17:36

Other variables aside, sounds like a crappy bank

VajazzleMcDildertits - read carefully, respond politely > Supreme Chancellor and Glorious Leader SaveTheIntegras
09/25/2019 at 17:37

Yeah, Capital One online, you can schedule the payments for whenever you want, but it won’t go directly to principal, there’s no option for that.

I use the websites so I don’t have to call in and wait on customer support who doesn’t understand anything I tell them.

They really just want their full interest tally unless you want to pay the whole thing off in the next 30 days.

CB > VajazzleMcDildertits - read carefully, respond politely
09/25/2019 at 17:39

All of them are.

CB > Chariotoflove
09/25/2019 at 17:58

I’ll figure it out some day. Until then, that’s $1000 I can just keep in my accounts.

VajazzleMcDildertits - read carefully, respond politely > CB
09/25/2019 at 18:06

I don’t have many complaints about Chase, but I’m lucky enough to set up my accounts in a way that they don’t get to mess with me much.

I will say that Chase’s phone customer support is about as brain dead as they come. But their automated systems allow me to do a lot of things that other banks had issues with...

and I’d stay the hell away from Wells Fargo

SilentButNotReallyDeadly...killed by G/O Media > CB
09/25/2019 at 18:06

Our bank doesn’t have physical branches at all... everything is done online.

Even the final $20,000 invoice for the shed will be paid to the builder today via the banks Android app...

Chariotoflove > CB
09/25/2019 at 18:08

Of course, the bank would prefer you to extend your relationship with them as long as possible. They have no motivation to remove barriers to you paying down your interest sooner.

CB > VajazzleMcDildertits - read carefully, respond politely
09/25/2019 at 18:09

I’m lucky dealing with Canadian banks in that they’re all a little bit stupid and not totally malicious.

CB > SilentButNotReallyDeadly...killed by G/O Media
09/25/2019 at 18:09

Damn. If only we could ever catch up to that.

CB > Chariotoflove
09/25/2019 at 18:10

It’s not even my main bank. So I’d be unlikely to get a loan with them in the future.

VajazzleMcDildertits - read carefully, respond politely > CB
09/25/2019 at 18:24

Just wish they’d be a little more online-savvy. Calling in to make a payment? I thought Canada was better than that.

CB > VajazzleMcDildertits - read carefully, respond politely
09/25/2019 at 18:24

I prefer dealing with people, to be honest.

VajazzleMcDildertits - read carefully, respond politely > CB
09/25/2019 at 18:54

To each their own. I f you have a better experience, why shouldn’t you be able to talk to a person? Seems like a perfectly valid option.

Too many people been face- to- face with me, have smiled at me all friendly like, while literally doing the wrong thing on my account in front of me and not telling me.

TheNeonDriver - Now with More BMW! > CB
09/25/2019 at 19:17

Are you with one of the large 5 banks? I can do everything through my TD app. I can even pay my loan to BMW from the app, but I did have to go down and sit in a bank for 45 minutes to get them to set it up.

CB > TheNeonDriver - Now with More BMW!
09/25/2019 at 19:20

I’m with CBC, but the loan is with BMO.

Snuze: Needs another Swede > CB
09/25/2019 at 19:34

Bank is a 4 letter word. I much prefer dealing with my Credit Union.