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Two Minutes with Bank of America

I'm on the phone with Bank of America right now to find out why I'm not being allowed to spend any of my own money on goods and services. It's cool. I'm going to fracking scream.

That stupid electronic voice keeps coming back to let me know that the current estimated wait time is "Two minutes." At first I was happy to learn that my wait would only be two minutes, but with each consecutive notification that my wait time was currently estimated to be "Two minutes," a little novelty was chipped off the experience.

I should feel lucky. I wouldn't even have had the privilege of waiting fifteen minutes for another "Two minutes" if I hadn't already been put on hold three times prior.

I should also feel fortunate. My bank cares about my account security. So much so that I've been prompted four times by mechanical voices and human beings to verify my account information along with what seemed like a small IQ test or something. Still, I think they could do more. Like, why don't they just BUILD A FRACKING MOAT THAT LEADS TO ANOTHER FRACKING MOAT THAT LEADS TO A FINAL MOAT FILLED WITH AQUATIC-AUSTRALIAN-ELECTRIC-RAZOR-WALLABIES THAT'S PROTECTED BY A BROKEN BURNING DRAWBRIDGE THAT LEADS TO A HOLE IN THE GROUND THAT PASSES THROUGH HELL THAT LEADS TO A PRISON CELL THAT LEADS TO A SAFE THAT LEADS TO A SAFETY DEPOSIT BOX THAT LEADS TO A PAPER SACK INSIDE OF WHICH YOU'LL FIND A SPECIAL CUSTOMER SERVICE PHONE THAT ACTUALLY REACHES CUSTOMER SERVICE, AND WHICH HAS BEEN FLUNG ACROSS SPACE AND TIME TO THE ANDROMEDA GALAXY WHERE IT'S CURRENTLY RETIRED AND NOT INTERESTED IN COMING BACK.

When I finally got through to someone, I explained that I had been attempting to make a purchase all week and that it had been failing due to an authorization error. After another ten minutes of chit-chat, the phone person came back with a simple message:

"You can't."

Is that all? Have I really been on hold since 1983 to be told that, quite simply, I can't spend my money? Are you sure there isn't something you can do so I can buy something?

"You can't."

May I speak to your supervisor?

"You can't."

Um... which do you prefer - Coke or Pepsi?

"You can't."

I'm urinating where I sit and as we speak. I love it.

"You can't."

I'd like to kiss you full on the mouth, slap you on the ass, and ride you like a donkey into the sunset.

"OK!"

...

Eventually all the customer service reps and their kind got together and formed a plan of action that would propel me at high velocity into the world of commerce.

If you ever find yourself in the same situation as me, then just remember this keen advice:

"Try to buy it with something else, sir."

Brilliant! That's PERFECT! Here I was, thinking that my bank would be the institution that could help me get this problem resolved, when in fact I should be attempting to barter with the people at Costco and Walmart and a bunch of other places I'd never shop in a million billion years.

I'm game. I can adapt. I have an IQ of 87 - I'm a mental powerhouse.

Right now I'm getting all my Stargate SG-1 DVDs together in a pile. I've also thrown in Felix's old chocolate milk, a tray of ice, and a used "like new" cardboard box with a few flaps and walls and structural integrity missing. The thing I'm trying to buy is online, so I don't yet know completely how I'm going to do this. I have to first convince the web page that it should accept movies and garbage as payment, and then I have to get my movies and garbage out to the site.

However, given my bank's confidence that living like a bunch of Dark Ages English peasants covered in shit is the right thing to do, I expect everything will turn out all right in the end. I love it. I love the barter system.

Also, it's smart because why, when I could pay for something with Stargate SG-1 and a bunch of other knick-knacks, would I ever try to pay with my FREAKING FRACKING DEBIT CARD?! NEXT I MIGHT EVEN TRY TO USE MONEY!!!

OMG!! HA AHA AH AHAHAHA HA HA HA HA AHAHAHAHAHAHAHA!!!!!!!

I'd like to close by saying that I'm going to go shoot myself in the face with the highly pressurized bacterial gases that have built up in Felix's old and abandoned chocolate milk that he left in my fridge about eight months ago.

I'll be back in "Two minutes" to let you know how it went.

Don't wait up for me.

Published Friday, August 17, 2007 7:43 PM by Rory

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Comments

 

kettch said:

It's funny, I can go online and move money around however the heck I want, but if I want to change my address, it can't be done. I have to drive down to the bank, talk to a person *shudder*, fill out information on _paper_ and wait three business days for some minion to enter the data into an interface that is probably just a refactored view of the interface that I can access from the internet.

What next, are they going to require that I submit the data as morse code woven into a grass mat?
August 17, 2007 8:27 PM
 

Jivlain said:

When you think about it, Morse code is basically just a rather mathematically nonsensical form of binary.
August 17, 2007 9:58 PM
 

Mule said:

Incredible , banks and its employees are the same the world over.
August 17, 2007 11:10 PM
 

Paul Murphy said:

Mule is dead-right.. as bad as BoA is (they are really bad), NatWest was so bad they actually took £400 from me last year, admitted their fault, refused to give my ** money back, and advised me to submit a claim to the independent banking authority - confirming their opinion that I will win the case because they were wrong.  My blood is boiling just thinking about it again.
August 18, 2007 7:35 AM
 

paul said:

I haven't been having any problems withdrawing money from your BoA account this past month, when will your next paycheck be deposited?
August 18, 2007 9:29 AM
 

kettch said:

He hasn't posted any updates, he's probably still waiting. I hope BoA doesn't undo all of the hard work he's been putting into getting sane.
August 18, 2007 1:02 PM
 

Mrs. G. said:

Something to read while you're on hold, Rory:

(an old post, but it pertains)

10 Reasons Why I Hate Banks

‘Cause I hate ‘em, hate ‘em, hate ‘em.  Repeat as necessary (I guess that’s about 7 times, huh?) (or more ... many, many more).  I don’t even need to list the reasons - I can’t imagine that there’s a regular average person out there who doesn’t know all the reasons only too well.  This latest contact with The Bank came about as we are doing some refinancing in order to get a garnishee off Mr.G’s wage and the lien off the house title on which I appear as co-owner.  (I won’t even get into the shock of discovering all this 5 months after the fact when after C told B and B told J and J asked S if I (SN) knew because I seemed so happy, and S was kind and courageous enough to enlighten me) (Chicka Chicka Boom BOOM).

So off we go to the bank so that I can approve of signing away my only inheritance once again.  Mr.G loves going to the bank.  Apparently.   However,  - excuse me while I spit this bitter taste out -  at the bank we are assigned Warren as our mortgage “specialist”.    Let’s just say Warren’s lack of familiarity with his computer program doesn’t inspire confidence in me any more than his decision to shave his head, which doesn’t improve his “look” any, because it rarely does in any man.  He’s got this hail-fellow-well-met manner more suitable to an annoying waiter.  He makes it sound easypeasy because it’s his job to make it sound easypeasy and because he doesn’t have a clue what we’ll actually have to go through to complete this deal.  We have to have a lawyer do the payout - a lawyer who is supposedly acting for both us and the bank except he’s really acting for the bank and we’re paying him.  Ka-ching, Ka-ching.   And this lands in my lap, as all these things always have, so I end up finding out from the legal assistant (who is actually doing the work, of course) all these hoops we have to jump through, which she snottily flings at me without any explanation whatsoever.  I started out nice with her and then things rapidly deteriorated, as things do when one or more parties get snotty, and then I had this “Aha!” moment and realized why I never could have made it as a legal assistant anyway - I’m just not bitchy enough!   I’m cranky and uppity, but always in response to a stupid or intolerable situation; never gratuitously bitchy, you know?  I really wasn’t in my former employer's league.   However.  Back to the Banking:  It has all been a tremendous pain in the ass, but at least I know I’m not alone:  SOMEWHERE in the world, every 10 SECONDS, SOMEONE is getting screwed by a bank.

August 18, 2007 2:12 PM
 

meep said:

I had a payroll check, drawn on said bank, they wanted two picture ID's. Silly me I only had my State DL, Social Security Card, Birth Certificate, and Library Card. Funny though I had an invalid closed account Visa/MC and when I went to another branch they just cashed it with the CC as the second form, not checking it's validity.
Hippo Crates.
Pay no attention to the paper tiger behind the curtain.
-meep
August 19, 2007 5:09 AM
 

Massif said:

Hmm... When we changed my Wife's name (on account of her becoming my wife) our bank couldn't get it right, issued her two debit cards to either possible version and then refused to allowed her to use either of them.

Apparantly having three cards (mine's included see...) on a joint account isn't allowed, so they randomly cancelled the one she wanted to use.

Sigh... At least they issued a new one, and were kind enough to require she pick it up in the branch so they could be sure it would work properly. They're thoughtful like that.
August 20, 2007 12:30 AM
 

Ia said:

Massif: Bank with Abbey do you?
August 20, 2007 2:15 PM
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