I've wasted half the morning on the phone with both my lender and the bank I was using to pay the lender. I opened up an account with Chase bank last year - really haven't used it that much. I decided to dump Compass Bank and go ahead and have direct deposit going with Chase.
No problems with the direct deposit. Now, I don't have paper checks from Chase and I don't want any. I had to make the second of the HAMP trial payment at the beginning of this month, meaning I needed my routing number and account number to give to my lender to make over the phone payment. I went INTO the bank to get that number, of which a teller wrote it down and handed it to me.
The problem: the funds have not been withdrawn from my bank. I have called me lender several times over the past couple of weeks and the bank as well. The bank informs me that it didn't go through because it was the wrong routing number. My lender just says it didn't go through. Last week I had tried to make yet another payment on the account. The problem there was that the teller at the window who wrote the number down missed a number. Obviously, you have to have the account number right to do anything with it.
So, today, I'm calling again, why hasn't this payment gone through, why haven't the funds been withdrawn from my account? Back and forth - I ended up with the corporate headquarters of Chase bank. First guy I spoke with was rude, I hung up on him and called back. The second person I talked with went around in endless circles, saying the same thing, over and over. She hung up on me - I wasn't taking no for an answer. The third person said I had already called. Yes, I HAVE already called and I will KEEP calling until I get a resolution to this situation.
She takes my cell number and says she will call me back when she discusses with the second person what that person was able to find out. I replied that since she hung up on me, it is highly unlikely that anything has been done. I'm starting to get pissed at this point. What kind of bank has employees working a teller window that give out incorrect information?
I took a trip to the Chase location where I had been given the wrong account number. I walked in, asked for the branch manager - of course, that individual is on vacation. Never fails. Settled for second in command. We go into an office. I hand her my debit card and then I hand her the paper that the numbers had been written on by the teller and ask her to compare the two. PLEASE tell me what the problem is. Oh, she says, the routing number is wrong - completely wrong. It's a routing number for Arizona and you opened this account in Colorado.
Colorado? I haven't been in or through Colorado in years, I reply, the only thing I can think of is it is because I started the account up on the internet. I voice my extreme displeasure with Chase bank and the apparent fact that something as simple as writing down a routing number could be messed up. But I didn't stop there, because she was saying that the person didn't apparently look at the screen to see which state this account was set up in to give the correct routing number.
I then point to the account number. PLEASE match the 2 up. What kind of excuse is she going to give for that crap? None, she can't. She apologizes, great. However, I tell her, this HAMP loan modification, which is what this rejected payment was for, has strict rules. One of which states that if you miss any of your 3 trial payments to be made on time, the modification is rejected. What are you going to do about that if that's what happens? Yeah, that is why I was getting so upset. I have no idea at this point where that thing stands.
I'm not sorry to say that I will be moving my direct deposits from that bank to another, yet to be determined. I think there is a bank that is giving out $100 to sign up for a checking account. I WILL be cancelling my account there. It wasn't just giving the wrong routing number: it was giving the wrong routing number AND missing a number in the account number.
Whatever.
I fired up the third pond earlier. It's out front. It's the smallest pond. I have some fish in the biggest pond that I am going to take out of there and put in the small one - after a few days that is. I'm going to let the bio filter cycle through that fresh water for a couple of days before making the move. There is a couple of fish in the large pond that are being chased around and nipped out, they will be removed from that one and put in the small one.
Meanwhile, the medium sized pond? The fish are mating in there. I opened up the door right next to that pond earlier and they were "rubbing" away. I'm sorta curious to know whether that fish chasing that other fish in the big pond was actually trying to mate with it. No idea.
Eggs in the hummingbird nest have not hatched yet, but if the site I read is correct, it should occur sometime this week.
Next door neighbor is going crazy over there with that backhoe, making a lot of noise with thing - have been listening to that noise for 3 and a half days now. The company that rented it to him is coming or it today - I can add happily.
I think I am going to make some brats on the grill. I'm hungry and it sounds very appetizing.
Later.
ben
3 comments:
Tuesday
3-day weekends are nice, but there's nothing like taking a full work-week off - thusly creating 9 day span of not having to get up and go to work. I fully intend on doing that this summer.
Allegedly, there is going to be another reunion in North Carolina again this year. Funny how the family lines in the west aren't even invited to these affairs..........
......so I probably won't be saving for a vacation to NC to spend it with a bunch of strangers I haven't seen since I was 8 years old or thereabouts..........
I'll spend my vacation doing nothing but staying home, undoubtedly, which is fine by me, it's better than no vacation at all. By the time summer hits, they are predicting $4 per gallon fuel and certainly it LOOKS like it's going to go there. The price of everything is going to go up. Including vacations.
I have a vacation on my mind, I guess, because I haven't been on one in so long. I mean, I have done the staycation thing 2 years running now, I think, or is it 3? I wouldn't mind heading to a California beach and spend several days there. Dunno if that's really in the cards or not, but one can always dream.
Oh, my pond. Well, it has a big leak. I mean, like the thing is draining out several inches per hour. I just turned the pump off and am waiting for a pond liner to arrive. Yes, I pretty much figured this thing has been moved around too much, it's probably got a crack or hole somewhere, I ordered the liner off of Ebay before I even put the thing in the ground. So, it's going to sit empty until that liner shows up. The pond itself will serve as a shield against the rocks that are so incredibly abundant in these parts.......I think I will also put an old piece of carpeting down underneath the pond for extra added protection.
I have my large pond clear as a mirror now, the water is very clean and I moved the UV sterilizer to the medium sized pond yesterday to get the algae gook out of there as well.
As for tenants, wellllll, it is what it is. I have a better understanding now why the female tenant has been having trouble with paying the rent - Subway only pays here $7.50 per hour. However, she has been working a LOT of hours so she got herself paid up quite a lot the other day - which I dumped almost all of onto the electric card reader. I am preparing for summer this year. Last year I said I was going to do it and I didn't - quite the mistake. By the time June hits, I want $400 on that reader so I will be AHEAD, not scrambling to come up from behind. At the moment, it has about $235 on it. As soon as another tenant pays up, I'm dumping another $100 on it and then next month $200 more on top of the regular usage and that should get me to where I want it.
I am also going to have the entire system checked out - by a different company than the one that both installed it and fixed the broken compressor. How does a compressor go out after only 13 months of use, half of those months not even being used at all? And THEN, paying "$800 service and labor fee" even though it was under warranty. What a complete and total ripoff.
If I had that home to do all over.........
No use complaining. It's not a bad house, it's just that I learned quite a lot after the fact. I knew in the middle of the process that there was a lot I didn't know and probably wouldn't find out until afterwards, yes, that's definitely the case here.
Well, work day is here and fortunately, there are a couple of deliveries to be made. I dunno if those orders are pulled yet or what, but, I'm just glad there's something to do.
With that, I bid you.....Good day.
ben
Damn stressful about the bank. Sometimes good old fashioned checks are the ticket Ben...
There are 2 venues I like using checks: child support and mortgage. In the case of the mortgage, though, there was only a few days between a paycheck dumped into my account and the first of the month. On the HAMP deal, you cannot be late with your payment, hence the phone payment. It is rather a stress and I am now looking into dumping that bank as well. If they can't write down, on a piece of paper, the routing number and account number correctly, what ELSE might they screw up?!!
ben
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