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Forum Post: My Phone Call To Bank Of America

Posted 6 years ago on Jan. 4, 2012, 2:36 p.m. EST by NightShade (163)
This content is user submitted and not an official statement

So the bank I use to have when I was growing up sent me a bill I owe them a day after new years. I already know this bill I just decided not to pay for it.

It's bull shit really, I forgot to cancel out my gamefly account and they charged me because I had little money in the bank account I was over drafted like $10 well the over draft fee from the bank is an extra $50 charge so I owed like $60 which personally I would have happily paid the $10.

They started sending me notices and other useless shit and after a year or so of not paying I now owe $275 to the bank from interest off the overcharge payment. I was was like fuck you when I got the bill which I knew it was before opening it because they always make it look like a green check.

So I phone them up, surprisely they haven't sold the account to a creditor yet. Got some bullshit caller employee told her some random lie about how I would like to become an investor and hand over all my millions to their bank but I would like to speak with the bank president first to validate confidence. She agreed and within 5 minutes I was on the other line with the branch president.

He was not pleasantly surprised when I started talking to him about my bill and the shady practices his bank is operating under, so he transferred me over to the billings department. I spoke with a woman name Ashley

She asked me for my account number, name and an update of my phone number the one I gave was from a gay sex line.

She told me I owe a balance of $275.73 I then told her I already paid for this in full, she then told me to hold on the line while she looks up any payment recorded on my behalf.

I held for about 10 minutes when she finally picked up on the other line to tell me there was no payment charged to the account I then proceeded to tell her how the Federal Tax system worked and how I no longer owe the bank any money due to my tax dollars paying the debt off to their branch, and how I would like a receipt for the transaction mailed to me no later than the 10th.



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[-] 3 points by JadedCitizen (4277) 6 years ago

Oh, how I would wish to hear the recordings of those conversations. Hilarious. Lol.

[-] 3 points by ZenDogTroll (13032) from South Burlington, VT 6 years ago

That is really quite creative.

[-] 1 points by JimBeam (152) 6 years ago

Lol, it is creative, it's just to bad it's going to jack up your credit forever if you never pay it.

[-] 1 points by vats (107) 6 years ago

banks out source calls to other countries

[-] 1 points by vats (107) 6 years ago

for all you know , you might not have talked iwth a American, the call center cold have been in asia

[-] 1 points by CatLady2 (248) from New York, NY 6 years ago

Actually the overdraft fee is $35 from BOA , not the $50 you stated. You could have easily negotiated the overdraft fee and paid the $10 you owed and then closed the account. So instead you let it go and go until it hit the $275, which again you could have negotiated down.
But instead you opt for this ridiculous way out, which will only haunt you down the line when you grow up.

[-] 0 points by NightShade (163) 6 years ago

$35 maybe now, but in 2008 it was $50. And I'm almost in my 30's so I think I'm already grown.

[-] 1 points by CatLady2 (248) from New York, NY 6 years ago

You may think you are all grown up.. but it takes being responsible for ones actions to be a man, or a woman. All over a $ 10 charge you didn't want to pay. Not very adult like behavior. Oh and as for driving around uninsured.. its people like you who drive up the cost of car insurance. Hopefully you don't hurt or kill someone.

[-] -1 points by NightShade (163) 6 years ago

I don't give a fuck if you think I'm a man or a woman, my own sexual preference is my own business and as for insurance, you can thank Como's daddy that made it mandated for driving insurance.

[-] 1 points by CatLady2 (248) from New York, NY 6 years ago

Who was talking about sexual preference? Doesn't take much to get you all riled up does it. And thank goodness for auto insurance, it protects the majority of us .

[-] 0 points by NightShade (163) 6 years ago

Who says I'm all riled up, that's how I talk, maybe you shouldn't have conversations with people you can't relate to or speak proper English with friend.

[-] 1 points by CatLady2 (248) from New York, NY 6 years ago

NightShade :" I don't give a fuck " is proper English? Go back to the delusion of being all grown up.

[-] -1 points by NightShade (163) 6 years ago

Hey Lady, maybe you should get out of the house more and talk to people walking on the street than living shut in with your high horse, it really degrades you as a human being.

Perhaps you can tell me when you jumped over the fence down in Empire Beach?

[-] 1 points by bill1102inf2 (357) 6 years ago

Actually, here is what is going to happen.

Your bank put you into 'Chex Systems'

Now, when you go to open a bank account at any other financial institution, bank, brokerage house, etc. when they see you in there, they will not do business with you.

Thats right, you won't be opening any new accounts. Good luck getting that removed too.

You catch more flies with honey than you do with vinegar.

[-] 0 points by NightShade (163) 6 years ago

be sure to read my reply to wellhungjury before commenting

[-] 1 points by bill1102inf2 (357) 6 years ago

good luck with that, one day you might want to , oh, i dont know, finance a house, finance a car, own a business, rent an apartment, get a job, rent a car, stay at a hotel, buy something on the internet, open a brokerage account, get car insurance, life insurance..... but hey F them right!?!?! good luck

[-] 0 points by NightShade (163) 6 years ago

Bill must work for the bank to be so interested in my finance's, Is that you Ashley?

[-] 1 points by bill1102inf2 (357) 6 years ago

just want you to think about the outcome of this seemingly small decision. There is a difference between refusing to do business with BOA, and using say a credit union instead, and ruining your credit/financial future. Just something to think about, personally I dont care about your finances, but you should. I used to see people with issues like you have getting car loans at buy-here-pay-here places because they needed a vehicle. Try paying $300 a month in just the interest part of a $12,000 car loan in which the car is worth $4000.00. Sucks.

[-] 0 points by NightShade (163) 6 years ago

That's what craigslist is for buddy, it might last me 6 months but at least I only had to pay $500 for it.

[-] -1 points by NightShade (163) 6 years ago

I've been 10's of thousends in debt since I was 18 years old kid, over a decade now and so far it hasn't interupted my life one bit.

Finance a house, own a business?

Yeah I don't think that's going to happen in NYC.

Rent an apartment?

That's why I live in the ghetto slick.

Get a job?

I've worked maintenance all my life I don't think I need to be credit checked for that. Specially when I'm working under the table.

Rent a car?

You ever seen the prices to rent a car? I am currently not paying $245 for a weekend rental.

Stay at a hotel?

I can rent a hotel any Hotel I want as long as I pay cash.

Buy something on the internet?

Pre-paid credit cards slick.

Open a brokerage account?

I don't even know what that is.

Get car insurance?

I actually drive uninsured.

Life insurance?

I don't have anyone to leave life insurance to so what do I have to worry about?

[-] 1 points by kaptainkevo (1) 6 years ago

I know what u mean about debt from 18 I put myself in a hole opening lots of credit accounts I couldn't pay for. I overdrafted 40 dollars and said pods on it til I got a job that only paid thru direct deposit. So ultimately I had to pay the 198 dollars to get me off chex systems and open a bank account. Creditors will usually settle for way less even if they knock off almost all the interest. But banks could give a shit less about whether u can pay it or not they either get what you owe plus what they feel you owe on top of it or Ur fucked they will leave you in chex forever. Best of luck just hope you don't get in an accident and need a loan to pay off damages.

[-] -1 points by NightShade (163) 6 years ago

I got ran over by some drunk when I was 18, they never caught the guy, I was a system kid from foster care and part street child. I was uninsured and had no one the bail me out when I was sick, you think banks are bad try hospitals, when I finally got out of the hospital I owed $23,000 in medical bills, 10 years later I owe them a quarter of a million dollars to date.

They have never taken me off the system and I understand there is 7 year limit to collect debt but they keep reinstating it every few years so the 7 years repeats it's self over and over again.

[-] 1 points by bill1102inf2 (357) 6 years ago

well im glad to see you got it all figured out

[-] 0 points by NightShade (163) 6 years ago

Of course I do, maybe if you listen to me more, you wouldn't have such a plastic existence Bill.

[-] 1 points by wellhungjury (296) 6 years ago

Another approach and you might have been able to get most of the penalties and interest waived. Alas, you are pretty much screwed. I know it sucks, but this will haunt you if you do not deal with it some day. I know from experience. You had a good laugh, but the problem will still be there and will affect you in the future. BoA sucks.

[-] 0 points by NightShade (163) 6 years ago

Oh yeah I know that, no matter how much you argue with these business types you will never win out, personally I'm already in the hole with other debt and looking to never pay them back, I no longer get phone calls because I change my number, never put money in banks, and always have a p.o box when filling out certain forms. These days I only pay my gas/electric, rent, phone bills. I figure I'll never get credit again so I should not operate my life around such scams and only pay in full with cash.

If I do buy things online I use a pay as you go card

[-] 1 points by sato (148) 6 years ago

screw credit. If you want something save money. Live with your parents or family. Do whatever to avoid credit. If only government and people spent what they earn and not more, we wouldn't be in this mess we are in.


[-] 0 points by NightShade (163) 6 years ago

Problem with me is I never actually spent anything with credit, most of my bills were due to medical after a hit and run with a drunk driver they never found.

The only credit card I have had was a visa with $250 credit line in which they took out so many hidden fees and left me with $75. I spent that money on burger king food during lunch when I was trying to make it through a trade school years ago.


[-] 1 points by toonces (-117) 6 years ago

Why does it not surprise me that an OWS supporter/bank hater can give the number to a gay sex line off the top of his head?

[-] 1 points by PublicCurrency (1387) 6 years ago

funny !

[-] 1 points by nachosrulz (63) from Eureka, CA 6 years ago

ha you sure tricked them youd be a good president:p

[-] 0 points by NightShade (163) 6 years ago

Yeah I should run for president, to bad you have to be 35 or older, I guess I have like 7 more years until I can do so. Hopefully smoking doesn't kill me off first

[-] 2 points by Mooks (1985) 6 years ago

Wow you are 28? As I was reading that above, I was convinced the person writing it was a 14 boy who spent too much on video games.

[-] -1 points by NightShade (163) 6 years ago

I can see why you call yourself Mook

[-] 1 points by Mooks (1985) 6 years ago

Um, its Mooks.

[-] 0 points by kingscrossection (1203) 6 years ago

Well to be honest it seems that you are at fault here for forgetting to cancel the subscription and not being on top of your finances which has gotten smarter men than you in trouble.

[-] 0 points by NightShade (163) 6 years ago

Ever heard of the word principal, maybe you haven't because your fucking spineless.

[-] 1 points by kingscrossection (1203) 6 years ago

Yup thats me. Spineless shit for voicing my opinion thanks for helping me figure that out.

[-] 0 points by NightShade (163) 6 years ago

No problem, it seems I'm very good at pointing out the obvious.

[-] 0 points by kingscrossection (1203) 6 years ago

Or just being an ass

[-] 0 points by SteveKJR (-497) 6 years ago

Are you a "moron"? I guess you could care less about who you owe money to and don't give a "shit" about any credit card purchases you made.

It is apparent that you place no value on your "word" and as such you will be sure to screw other businesses down the road.

And you along with the rest of your generation wonder why there are so many foreclosures and the economy is in the tank.

Keep thinking that way - eventually you will own "nothing".

[-] 1 points by NightShade (163) 6 years ago

No, there is so many foreclosures because your fucking generation open the gates and let a flood of immigrants into our society, who you think these banks gave the loans to, who do you think the banks hired to give these ill-guided loans.

Fuck you, I don't need your Generation to wipe my ass.

[-] 0 points by SteveKJR (-497) 6 years ago

Your langunage shows just how "emotional" you have become and you can no longer think rationally.

[-] 0 points by NightShade (163) 6 years ago

I'll tell you when I'm thinking rationally old timer.

What are you in your late 40's, 50's maybe? While your Generation had no fucking problems but the end of the cold war or what choice of crack to smoke next my Generation has be dying the past 10 years over some ass end religion and economy bust.

So maybe you should show us some respect punk before you give yourself a heart attack for sniffing to much Elmer's glue.

[-] 0 points by SteveKJR (-497) 6 years ago

Well I can say this - I place value on the decisions I make when it comes to being "financially responsible".

You sure as hell can't say that based on what you decided to do.

Apparently your "word" means nothing - you place no value on your "financial decisions" - they mean nothing to you.

I would hate to be the one who you owe money to

[-] 0 points by NightShade (163) 6 years ago

Obviously you take pride in words, and financial decisions, so self righteous so self centered.

I don't comment on delusional idiots who jump fences to land on SSI.

[-] 0 points by SteveKJR (-497) 6 years ago

Well I have pride in myself, my actions and how I treat others. I am not self centered as you say - "just independent" and have always been that way.

I am where I am today because I worked towards that goal - I owe my success to "no-one". I worked for what I have and have always treated others as I would like to be treated.

[-] 0 points by NightShade (163) 6 years ago

Personally I don't give a damn about your goals, you come up in my post trying to be all self righteous and throw me the good book of financial sanctum.

How about we be civil about this man, how about I go back around say, three Hail Marys and take a shit on that good book of yours.

[-] 0 points by SteveKJR (-497) 6 years ago

I am not trying to be "self righteouos". What I am trying to do is make you understand that you have a responsibility when you want to use services provided by others.

You will eventually find out what it's all about - experience will pervail.

[-] 2 points by Rico (3027) 6 years ago

Yep, all of society is based on contracts we make with one another. We can't have a society in which people constantly recast these contracts for their own exclusive benefit. It's our own fault really, we created the Cult of Self Esteem, and now we're paying for it.

[-] 0 points by NightShade (163) 6 years ago

You are absolutely right Rico, Society is a cold heartless bitch and any means of experience will not change a persons outlook. Government, rules, contracts and laws have carried such a inference burden on culture so much so that even the people in power don't understand why the general public act the way they do today. This is most likely the reason of their power but they are to self righteous and blind with greed to see it.

The man in the billings department doesn't realize that once he presses enter on his computer he is ruining someones life, all he cares about is his own finance needs and if he is popular among his office peers.

I remember years ago before the economy bust you would look up job positioning and the phrases and words the idiot behind the desk would write for a simple carrier job would seem like you were entering a position for NASA.

These days you look on craigslist or other such job sites they write a simple sentence that actually explains the job you will be doing, a sign that the intellectual fabric of industrial madness has broken in America.

Now if we could only break the frugal base plastic globe we call a class system here in America.

[-] 0 points by paulalinsky (18) 6 years ago


[-] 0 points by HarryPairatestes2 (380) from Barrow, AK 6 years ago

Wow, really creative.

So what are you going to do about the $275 you owe the bank?