"THE BANK TOOK OUT MONEY AFTER I PAID OFF MY LOAN? THERE WILL BE HELL TO PAY!"

"CB" (jrcb)
03/09/2020 at 16:22 • Filed to: Being an adult isn't so hard

AND ONCE I’M DONE BEING ON HOLD I’M GOING TO talk to the person on the other end like a reasonable person and explain my issue, which resulted in him very quickly sorting out the issue and saying there was a cheque with the owed money on the way. I thanked him for his time and for resolving my issue, and he wished me well.

Wait a second, that’s not how this is supposed to go, I thought animosity gets you what you want?

DISCUSSION (39)

CalzoneGolem > CB
03/09/2020 at 16:28

You catch more flies with a vacuum than vinegar.

shop-teacher > CB
03/09/2020 at 16:28

This is not how one internets!

HammerheadFistpunch > CalzoneGolem
03/09/2020 at 16:29

its better to suck than stink is the lesson here.

CB > shop-teacher
03/09/2020 at 16:30

I made a mistake? I think?

Chuckles > CB
03/09/2020 at 16:30

This is something that I might be dealing with in about a week. I submitted a loan payoff to my bank, and they are dragging their feet about processing it. My next scheduled payment is on the 15th, and I won't be surprised if they take that payment despite the loan being paid in full.

CB > Chuckles
03/09/2020 at 16:31

Here's hoping you get someone helpful and not a bonehead if the worst happens.

Chuckles > CB
03/09/2020 at 16:33

I am making sure to keep enough money in the account to cover that accidental extra payment. We'll see what happens.

camarov6rs > CB
03/09/2020 at 16:33

I’ve always noticed how easy it is for a financial institution to take your money and how quickly they will confirm the transaction but when you ask for a mistake to be reversed or similar money being owed then it’s “ oh it’ll take 5 business days for the transfer to hit your account” or we will send a check in the mail instead of putting it back where we got it from in the same way we got it.

For Sweden > CB
03/09/2020 at 16:33

Hop in Comrade. We are fighting the banks

Kinja'd!!!

CB > camarov6rs
03/09/2020 at 16:34

Something something it’s easier to make a mistake than to fix it.

CB > For Sweden
03/09/2020 at 16:35

Aremmes > Chuckles
03/09/2020 at 16:37

That’s why I make all payments through my bank’s b ill p ayment service whenever possible instead of letting creditors withdraw directly from my account. Companies will scramble over their own balls to take one's money but will stop space-time itself before they'll pay back.

barnie > CalzoneGolem
03/09/2020 at 16:38

catch even more with a dead fish!

Highlander-Datsuns are Forever > CB
03/09/2020 at 16:42

I’m surprised they are not charging you a convenience fee for paying a bill that was not necessary.

CB > Highlander-Datsuns are Forever
03/09/2020 at 16:44

Gonna be honest, I was surprised too.

Milky > CalzoneGolem
03/09/2020 at 16:48

You can catch flies with honey, but you catch more honeys being fly.

Cash Rewards > Milky
03/09/2020 at 16:50

I swear to God I had that used on me in real life, and it was amazing. Probably that guy’s life achievement.

Sammyno55 > CB
03/09/2020 at 16:52

In January, my mortgage was debited twice from my chequeing account. I informed the bank the same day on a phone and 2 days later by registered mail. It took 26 days to get a cheque in the mail. I immediately deposited it via a bank branch (too much for mobile deposit). And guess what, my bank deposit $100 immediately and the rest took 7 days (5 business days). So now I have to pay ANOTHER mortgage payment before their money clears my account. I’d have been better off if I just left that alone, but my mortgage company wouldn’t have counted the over payment as my February payment. Ugh!

I know someone is earning money with my money, and it ain't me.

shop-teacher > CB
03/09/2020 at 16:52

You done messed up CB!

razorbeamteam > CB
03/09/2020 at 16:54

I’m pretty hot headed when I feel wronged, but being nice gets you so much further with people . Especially when you’re talking to customer service people who probably get screamed at all day.

M.T. Blake > CB
03/09/2020 at 17:01

If you say your name is Karen you might get somewhere faster.

CB > M.T. Blake
03/09/2020 at 17:13

Only if I get a white Chrysler Lebaron out of the deal.

WasGTIthenGTOthenNOVAnowbacktoGTI > CB
03/09/2020 at 17:23

Shouldn’t have traded that MG......

haveacarortwoorthree2 > Sammyno55
03/09/2020 at 17:29

Wells Fargo? I hate those fakkers.

haveacarortwoorthree2 > Sammyno55
03/09/2020 at 17:29

Wells Fargo? I hate those fakkers.

ranwhenparked > Sammyno55
03/09/2020 at 17:31

Thats really crazy, unless you have a brand new account, a domestic check should always be fully available on the next business day . And if you have your mortgage from the same institution, I would really question why they even had to cut a physical check instead of an internal transfer, which would be same day availability.

TheRealBicycleBuck > CB
03/09/2020 at 17:42

That’s better than I’ve ever had from a bank. It took nearly two years to settle my mom’s accounts after she passed. The bank wouldn’t accept the documentation from her trust, despite her lawyer getting involved. They finally backed down from their position when I threatened to report them to the state Bar for practicing law without a license.

The bank holding her auto loan was a similar story. After nearly two years of back and forth, they said all I really needed to do was fill out one form and have it notarized. Two days later and that account was settled. What’s really funny is that they didn’t receive a single payment in that entire time and they couldn’t charge interest on the loan because it was for a deceased person.

Then there was the bank holding our mortgage. We like to pay bi-weekly to save some interest on the loan. They have an overly-complicated process for “over-payments” in which you have to call them and give them verbal direction on how to apply the payment. Then when your regular payment arrives, but isn’t the “full” amount, they charged late fees. We went through this BS for six months before finally giving in and just making payments monthly.

Bastards.

415s30 W123TSXWaggoIIIIIIo ( •_•))°) > CB
03/09/2020 at 17:45

Wells Fargo once said I paid off my auto loan and sent me all the paperwork. Then later said I hadn’t paid it all off, turns out they used someone else’s money to pay my loan. I ended up fighting with them and settling for paying half of what I would have owed for the remainder. My issue was that I kept getting calls from different people at Wells Fargo and none of them talked to anyone else! I was being harassed and they didn’t even know who else was calling me within their own company. I demanded someone higher up the chain of command handle it themself, I just kept saying fuck off until they did it. Finally I got a woman with a secretary to be reasonable, when you call and they have a dedicated secretary I figured they must be a bit higher up. She was cool and took care of it, but not after a horrible couple weeks.

SBA Thanks You For All The Fish > CB
03/09/2020 at 17:52

That’s Wells Fargo.

SBA Thanks You For All The Fish > camarov6rs
03/09/2020 at 17:54

That time Wells Fargo put a 21 day hold on my Receivables check deposit?

Every single interaction with them they told me how much of a favor they were doing for me by holding my money hostage on their balance sheet.

Rusty Vandura - www.tinyurl.com/keepoppo > CB
03/09/2020 at 18:05

The most effective ass whippings are always the kind and gentle ones.

camarov6rs > SBA Thanks You For All The Fish
03/09/2020 at 18:18

Yeah like they were going to share the investment income they made on the value of your money.

If the government enacted a law that said a bank had to share 75% of the investment income they made on money that was designated to go back to customers but was being held for “verification” or whatever, I can only guess at how fast they would throw your money back at you.

Manny05x > CB
03/09/2020 at 18:35

This happened recently to me i literally had to contact better business bureau to get them to cut my check.

tromoly > WasGTIthenGTOthenNOVAnowbacktoGTI
03/09/2020 at 18:53

Or changed names from Kitty.

Sammyno55 > haveacarortwoorthree2
03/10/2020 at 14:50

Funny, I didn't even mention Wells Fargo. How did you know?

Sammyno55 > ranwhenparked
03/10/2020 at 14:52

Bank account is 6 months old. Different bank than mortgage company. I was informed that the check would be the fastest with no fees. I just can't imagine how it could be.

ranwhenparked > Sammyno55
03/10/2020 at 14:55

Well, you'd have to pay a fee with an incoming wire, most likely, but an ACH transfer shouldn't have any fee and would be just as fast. Still, for a 6 month old account, I would have expected next day availability.

Sammyno55 > ranwhenparked
03/10/2020 at 15:04

I was hot about the whole situation, but now have cooled off and am looking for a new bank and mortgage company.

haveacarortwoorthree2 > Sammyno55
03/10/2020 at 16:34

Just sounded like WF level of fuckery. I had paid off my mortgage back in 2006, kept the letter from WF saying they would file lien release, etc. Come to find out, I discovered 13 years later they never did. Contacted them, sent them all the info, they said they would have to research it and would get back to me in 30-45 days. Luckily I know someone who is a senior vp there, called her, she emailed someone and they filed the lien release with the county 2 days later. And I (at that point) still had my accounts with WF, so I can’t imagine how they would have treated a non-customer.