This is my E mail to B of A, with whom I have two mortgages, and a charge card. Should be pretty self explanatory.
Great account management folks!!!!
I pay from a Chase internet account every month, usually over amount due, and escrow recently got adjusted and so I'm short $ 50 USD on the payment. You have robotic formulaic read from a checklist collection agent to call me and ask me how I'm doing? Do you check records? Do you write me an e-mail reminding me? And here is the funny part!!! Can I pay using my B of A master card?????!!!!! of course not!!! that would be too easy. Is there any competence left at all in the US banking system? Rhetorical. You've pretty much answered it. I cannot believe a responsible and competent firm could be that dumb.
Now you will probably send me a letter telling of the advantage of having" one account manager for all my affairs". Unbelievable.
and it gets better, so I'm short 50, and rather than crediting me the 1700 I paid, you don't, so my mortgage accrues more interest, and you get to make some on the 1700 as well. Fortunately, you do not get much, why? Because the interest rates are so low because of, let me think, oh yea, our financial system, yes, that would be you, messed things up so bad that only the government can spend, but they don't have anything, so they borrow from the fed, create inflation which makes my dollar worth less than it is!! and for a time, coming up soon, you guys will be able to get money at 0 interest and loan it out at 10-12, and make record profits!!! good stuff, could not make this up if I tried.
Product or Service Mentioned: Bank Of America Mortgage.