How Bank of America Gave Away My Money • Hacker News Board

Re: How Bank of America Gave Away My Money

#211

Post by mcbruiser3 » Thu, Apr 06, 2017, 6:47 PM UTC

metaphorm wrote: post #170

dmix wrote: post #155

Earlier quoted context omitted.

Speaking of partisanship, the NPR links above are just as equally regurgitating democrat talking points. Lacking any type of critical analysis of the agency and instead focused entirely on the silly talking points of the republican guy with some added snark. NPR is hard left, I at least quoted a study from a bi-partisan agency that I found on Wikipedia

> NPR is hard left you can't be serious. NPR is what the American media complex calls "liberal" which should be translated to "center-right by global and historical standards, but left of the extreme right wing of contemporary American politics".

do you actually listen to NPR? they are hard left. most if not all of their stories are SJW-type stories. I can't even listen to them anymore.

Re: How Bank of America Gave Away My Money

#212

Post by ChuckMcM » Thu, Apr 06, 2017, 6:47 PM UTC

In this case I think the author is railing on BofA too much, unless the court said "pony up any money from any account" I'm guessing they specifically asked BofA for the money from this particular account. The person responsible here is the Sheriff's office and they are the ones that should be pursued.

Re: How Bank of America Gave Away My Money

#213

Post by cmurf » Thu, Apr 06, 2017, 6:49 PM UTC

rrauenza wrote: post #185

thebooktocome wrote: post #153

Earlier quoted context omitted.

Name a modern American denomination that rejects prosperity theology.

I'd never read the wiki on it, and was pleased to see a criticism section: https://en.wikipedia.org/wiki/Prosperity_theology#Criticism Mainstream evangelicalism has consistently opposed prosperity theology as heresy[37] and prosperity ministries have frequently come into conflict with other Christian groups, including those within the Pentecostal and Charismatic movements.[35] Critics, such as Evangelical pastor Mich…

That's funny. Most of the named individuals have gotten fat off the hog from their charlatanry. They say one thing but then live a life concomitant with belief they're better people due to their success. They're a waste of space even once dead and buried. But of course anything they want believers to just look away from and not actually explore, is labeled heresy, or sacrilege, or apostasy.

A good sign they don't care is they just shrug. The sign they want something for themselves is to label it proscribed for man.

And considering the deals the Catholic church made to gain money, power, and have its political adversaries, ordinary citizens, murdered: It's objectively a more depraved and immoral organization than all of the American ones combined. An organization that looks evil incarnate in the eye, and when ostensibly should be able to, among any organization, recognize and object to it and defend humanity against it, actually made a pact with evil instead.

There might be no more wretched single organization than the Catholic Church because of the hope it was supposed to stand for, and the immense and consistent betrayal of that trust throughout its history. So the idea the Catholic church stands opposed to prosperity theology is like shit icing on a shit cake. It's ridiculous. It's not even believable. And it wouldn't be funny if someone tried to sell you such a thing.

Re: How Bank of America Gave Away My Money

#214

Post by instaheat » Thu, Apr 06, 2017, 6:55 PM UTC

tmaly wrote: post #168

instaheat wrote: post #115

I know how to handle these dumb fucks. (I had a Mortgage with them, that makes me an expert) I had a problem with them coughing up an escrow refund check, although there is much more to the story that would have most of you boiling. I filed complaints with a total of 3 agencies and received my check via FedEx Priority overnight not long after. Suck it, BofA. * Filed complaint with CFPB * Filed with Texas State Attorn…

This is totally the way to go. The cost for their compliance department to deal with a set of complaints will far out weight the money they owe you. Also, switching to a smaller regional bank if you have the possibility is a good choice. Remember Bank of America is the bank that took all the farms from the farmers during the Great Depression.

I received several phone calls from their Regulatory complaints/compliance department. Played phone tag with them for a few days, until I finally just left them a message instructing them to refer to the resolution on my complaint.

They actually give you a field to fill out on the agency websites:

"What would you like to see happen as a result of this complaint?"

Basically just said send me my money. They held onto it for more than 6 months.

What is laughable is before I got fed up dealing with lower level employees and managers, I had them telling me to consult legal counsel - over an $1,800 check.

Yeah pay an attorney $1,800 to represent me .. to receive $1,800! Makes sense of BofA! Why didn't I think of that?

Re: How Bank of America Gave Away My Money

#215

Post by Arizhel » Thu, Apr 06, 2017, 6:56 PM UTC

Cacti wrote: post #161

thebooktocome wrote: post #153

Earlier quoted context omitted.

Name a modern American denomination that rejects prosperity theology.

Almost all? Catholicism, Evangelical in general, Pentecostal, Lutheran, Baptist, etc. It's most assuredly not remotely mainstream. Note that the megachurches you're referring to are in most cases not part of a branch of Christianity but stand alone.

They don't need to be "part of a branch of Christianity" to be Christian; it doesn't work that way. In fact, they represent a majority of (non-Catholic) Christians in America these days. The mainline Protestant groups (Lutheran, Episcopal, etc.) are dying out, and all the younger people are going to the independent evangelical Prosperity Gospel megachurches now. The Catholics are really the only serious exception.

Re: How Bank of America Gave Away My Money

#216

Post by curun1r » Thu, Apr 06, 2017, 7:14 PM UTC

My personal nightmare with BofA started when they merged with Fleet. I had a credit card with Fleet and it had been set to auto-pay the balance every month. After the merger, the auto-pay got disabled without telling me and by the time I realized it two months later, around $20 of interest had accrued. After customer support calls to try to get it resolved, they refused to refund the interest. So I asked to cancel my account and asked for the full-payoff amount and the address to mail the check. Since I had paperless billing, I didn't have an official slip to send in with my payment, but I wrote my Fleet account number on the check and the check was cashed a couple of weeks later. I assumed the unpleasant situation was finished.

Little did I know, my nightmare was just beginning. Several years later, I was applying for an apartment and I failed the credit check. I got a hold of my credit report and saw that BofA claimed I had a large unpaid balance that was several years behind. After calling them many times to try to resolve it, we finally figured out that they had credited my payment to a non-existent account and that my account had a different BofA account number that was different from my Fleet account number. I thought that would clear everything up, but after they reconciled the two accounts, they still claimed I owed them over $4k in interest that had accrued on the unpaid account. No amount of common sense could make them realize that they cashed my full-payout amount check so my account should be fully paid off. It took getting a lawyer involved for them to finally zero out my account and, by that time, I'd missed out on the apartment. The lawyer also helped me dispute the credit mark on my account with the agencies because BofA refused to remove it. Hundreds of hours of my life calling their inept customer service and over $1k in legal fees all because of their screw-ups.

BofA are a truly despicable company that doesn't give customer service reps the ability to make even obvious, common-sense adjustments which leads situations like mine. Whenever I have the chance, I try to warn people away from doing business with them. They literally took a happy customer (I loved Fleet) and, through incompetence unwillingness to act reasonably, turned him into an enemy for life. And all for $20.

Re: How Bank of America Gave Away My Money

#217

Post by thebooktocome » Thu, Apr 06, 2017, 7:20 PM UTC

patrickg_zill wrote: post #209

thebooktocome wrote: post #166

Earlier quoted context omitted.

Okay, Catholicism. Fair enough. But I think you're wrong about every other denomination on your list. I've been to enough Baptist and Lutheran churches to feel justified in disagreement. The Presbyterians (including our president) feel much the same way. The simple fact is that God's blessing = economic prosperity is practically biblical. "May his tribe increase" and all that. Also I'm not OP and did not refer to meg…

"May his tribe increase" is from a poem about Abou ben Adhem, IIRC. Not from the Bible... https://m.poemhunter.com/poem/abou-ben-adhem/

It's an obvious reference to Genesis 22:17.

Re: How Bank of America Gave Away My Money

#218

Post by amorphid » Thu, Apr 06, 2017, 7:26 PM UTC

instaheat wrote: post #115

I know how to handle these dumb fucks. (I had a Mortgage with them, that makes me an expert) I had a problem with them coughing up an escrow refund check, although there is much more to the story that would have most of you boiling. I filed complaints with a total of 3 agencies and received my check via FedEx Priority overnight not long after. Suck it, BofA. * Filed complaint with CFPB * Filed with Texas State Attorn…

The CFPB is pretty awesome. I will try that next time I need to resolve something.

Here's a trick I have used in the past to deal with a large USA financial company...

- call corporate Headquarters

- Ask for the Chairman of the Board's office

- When they ask why, just say you only need to leave a message with their executive assistant

- when you get the EA on the line, say you'd like to complain, and have made a good faith effort to go through normal channels, but now your are pissed that the company has

- that has gotten my stuff fixed twice, once to get debt a shady debt collector off my back (2009 was a rough year), and another to get an unpaid invoice paid

Basically, when a company screws up by taking your money, they don't want to draw the wrong kind of attention. " makes mistake it can't (can't, not won't) fix" projects incompetence, which is a direct assault on the reputation of trust, stability, and prestige. No bank could survive if the proverbial fine print included "most of the time, we don't lose your money!"

Re: How Bank of America Gave Away My Money

#219

Post by lacampbell » Thu, Apr 06, 2017, 7:27 PM UTC

metaphorm wrote: post #170

dmix wrote: post #155

Earlier quoted context omitted.

Speaking of partisanship, the NPR links above are just as equally regurgitating democrat talking points. Lacking any type of critical analysis of the agency and instead focused entirely on the silly talking points of the republican guy with some added snark. NPR is hard left, I at least quoted a study from a bi-partisan agency that I found on Wikipedia

> NPR is hard left you can't be serious. NPR is what the American media complex calls "liberal" which should be translated to "center-right by global and historical standards, but left of the extreme right wing of contemporary American politics".

I'm curious as to how you came to the conclusion that the US was center-right by global standards. Are you genuinely broadly familiar with all the governments of South America, the Middle East, Africa and Asia? Or are you just comparing it to a small handful of governments in North America and Western Europe?

NZ is more left-wing than the US, though my hunch is that the left-wing here is much more US influenced than the right. IE, because the US dominates English-speaking media, and the left dominates US media (or at least the exported US media), that the local left seems to largely be driven by the issues and talking points of the american left. We even studied the US Civil Rights movement in our state run history class.

Re: How Bank of America Gave Away My Money

#220

Post by fictioncircle » Thu, Apr 06, 2017, 7:33 PM UTC

liber8 wrote: post #203

dmix wrote: post #158

Earlier quoted context omitted.

How surprising. Not sure if that disproves the entire contents of the study done by the bi-partisan committee, but it's not adding any credibility. Which saddens me as there are legitimate problems in many of these regulatory agencies, but sadly the guys who fight against this stuff are often merely pawns for the interests of mega-corps. Rather than the interests of the general public and small/medium businesses owne…

The reason there aren't more regional banks is precisely because of all the regulations. I have represented numerous small banks over the last decade. Every single one of them has been sold to larger banks because they cannot compete due to the regulations, which require at least one, and more typically two compliance officers just to deal with the red tape created by the CFPB. These people don't contribute anything…

> The reason there aren't more regional banks is precisely because of all the regulations. I have represented numerous small banks over the last decade. Every single one of them have been sold to larger banks because they cannot compete due to the regulations, which require at least one, and more typically two compliance officers just to deal with the red tape created by the CFPB. These people don't contribute anything to the bottom line. The only way to become profitable is to get big enough that these compliance costs can be spread over more borrowers/account holders.

Counterpoint, a bank fraudulently sold a mortgage loan to Fannie Mae on a property I owned and I got it resolved via the CFPB instead of needing a lawyer and a court case.

I'm not sure why "red tape" is a problem when it protects me from having 6 figure sums stolen from me by a private corporation without needing the court system.