Now or ever been
A member of terrorist
Organization?

jkanownik said:Twenty seven pages

That's 6 not 5.

.

Other people's money
Earning high interest
Risking asset freeze

Balance transfer games
Playing with visa's money
My bank account frozen

A balance that big?
It might be very useful.
But now it is gone.

GoCowboys said:Can you say "Silly Thread"?
The thread already was silly; the Haikus improved it. Try one, you'll like it.

or:

Already silly /
The Haikus improved the thread /
Try one, you'll like it /

ArbolLoco said:DavidScubadiver said:Other people's money
Earning high interest
Risking asset freeze

Balance transfer games
Playing with visa's money
My bank account frozen5
7
5
homie
Strict ArbolLoco
Insists on classical form
The wind rustles leaves

theficus said:There are some people posting redundant advice because they obviously haven't read everything I've posted. I'm going to recap some important facts:

1.) I've been to the branch 3 times, including once again this morning. Each time the personal banker and manager have told me they are locked out of my accounts, there isn't anything they can do, and direct me to speak with the risk/fraud department. They also told me they can't call on my behalf. Going to the branch flat out won't work, end of story.

This sounds like another case of CSR hell because you are dealing with people who never go outside of their job description to assist you. That's why all of these major financial institutions have executive customer service departments. The bigger the corporation, the more bureaucracy these specialists are able to get around on your behalf.

Usually when I get attitude from a CSR, it's because I am trying to negotiate with them to do something they are not empowered to do. We mistake their inability to help us as proof we haven't sufficiently proven our case to them, when in fact the last thing they'll ever admit to you is that they cannot press F5 to get into the next level of CSR menus because they are a low level employee. So instead they simply say they cannot help you, your anger level increases, they hang up on you. And dealing with a supervisor in these offices means you get someone that can press F5, when you really need someone to press F9, so you still don't get much help.

Do some research into who the CEO of BoA is. Find their corporate office headquarters, call the switchboard, and ask to speak to the CEO of BoA. Usually the switchboard will be taken aback by the request. Anyone who gets to actually speak to the CEO probably already has the super secret number to do so. They may ask you what it is in reference to. Briefly explain if they do ask. What this usually triggers in most financial institutions is a transfer to the Executive Customer Service Department, which is filled with special CSRs that are empowered to do virtually anything. Not only can they press F9, they can take the screws off the computer and pop the case open. In rare instances, they sometimes call this the Ombudsman office (that seems more common in Canada). If you can't get a switchboard operator to instinctively send you there, try asking for the Executive CS department. Sometimes a CEO's switchboard operator will get you there while the main switchboard operator cannot.

When you get to these people, be nice. They respond best to people who admit they are completely at a loss of what to do, and that you are hoping you will be their guardian angel to cut through all the red tape and that you'll gratefully accept any help they can give. Then make them your ally. Don't tell them you are recording the call, don't berate them for earlier CSR abuse. Instead, calmly tell them your story in date order, with the responses you've gotten. Tell them you chose BoA because you knew they would never treat you badly which is why you are so shocked and surprised by what has transpired. Understand that even these people may not be willing to divulge fraud/security department information, but explain you'd be happy if they could act on your behalf to assist you in getting your money back and the negative information on your record removed.

Prioritize. Getting your money back is the first goal. Clearing your credit record is second. Worrying about an undepaid CSR throwing around a slur is post-game wrapup you can deal with later on. It's fine to mention it to them, but make sure it's not a main focus of your discussion.

Then ask them what they can do to help you resolve this, and that you'd be enormously grateful just to get a resolution to this. And then listen. Don't expect something like this to be wrapped up in one call - they may need to talk to several different people and offices. But do get the name of the CSR, ask for their extension number, and ask if they can act as your central point of contact in the future.

Hopefully, this will resolve all of this. I have a growing suspicion that banks are wising up to the App-O-Rama kind of thing and are probably looking for ways to keep this kind of thing from spreading. If their fraud department saw all this money flying around and they pulled a credit report of some kind and saw a million apps, it wouldn't surprise me to suspect identity theft first, or realize it's another AOR and then put the brakes on it using identity theft suspicions as an excuse.

These people usually figure out all the angles, and get paid to throw wrenches into them.

Good luck.

Dampier said:theficus said:There are some people posting redundant advice because they obviously haven't read everything I've posted. I'm going to recap some important facts:

1.) I've been to the branch 3 times, including once again this morning. Each time the personal banker and manager have told me they are locked out of my accounts, there isn't anything they can do, and direct me to speak with the risk/fraud department. They also told me they can't call on my behalf. Going to the branch flat out won't work, end of story.

This sounds like another case of CSR hell because you are dealing with people who never go outside of their job description to assist you. That's why all of these major financial institutions have executive customer service departments. The bigger the corporation, the more bureaucracy these specialists are able to get around on your behalf.

Usually when I get attitude from a CSR, it's because I am trying to negotiate with them to do something they are not empowered to do. We mistake their inability to help us as proof we haven't sufficiently proven our case to them, when in fact the last thing they'll ever admit to you is that they cannot press F5 to get into the next level of CSR menus because they are a low level employee. So instead they simply say they cannot help you, your anger level increases, they hang up on you. And dealing with a supervisor in these offices means you get someone that can press F5, when you really need someone to press F9, so you still don't get much help.

Do some research into who the CEO of BoA is. Find their corporate office headquarters, call the switchboard, and ask to speak to the CEO of BoA. Usually the switchboard will be taken aback by the request. Anyone who gets to actually speak to the CEO probably already has the super secret number to do so. They may ask you what it is in reference to. Briefly explain if they do ask. What this usually triggers in most financial institutions is a transfer to the Executive Customer Service Department, which is filled with special CSRs that are empowered to do virtually anything. Not only can they press F9, they can take the screws off the computer and pop the case open. In rare instances, they sometimes call this the Ombudsman office (that seems more common in Canada). If you can't get a switchboard operator to instinctively send you there, try asking for the Executive CS department. Sometimes a CEO's switchboard operator will get you there while the main switchboard operator cannot.

When you get to these people, be nice. They respond best to people who admit they are completely at a loss of what to do, and that you are hoping you will be their guardian angel to cut through all the red tape and that you'll gratefully accept any help they can give. Then make them your ally. Don't tell them you are recording the call, don't berate them for earlier CSR abuse. Instead, calmly tell them your story in date order, with the responses you've gotten. Tell them you chose BoA because you knew they would never treat you badly which is why you are so shocked and surprised by what has transpired. Understand that even these people may not be willing to divulge fraud/security department information, but explain you'd be happy if they could act on your behalf to assist you in getting your money back and the negative information on your record removed.

Prioritize. Getting your money back is the first goal. Clearing your credit record is second. Worrying about an undepaid CSR throwing around a slur is post-game wrapup you can deal with later on. It's fine to mention it to them, but make sure it's not a main focus of your discussion.

Then ask them what they can do to help you resolve this, and that you'd be enormously grateful just to get a resolution to this. And then listen. Don't expect something like this to be wrapped up in one call - they may need to talk to several different people and offices. But do get the name of the CSR, ask for their extension number, and ask if they can act as your central point of contact in the future.

Hopefully, this will resolve all of this. I have a growing suspicion that banks are wising up to the App-O-Rama kind of thing and are probably looking for ways to keep this kind of thing from spreading. If their fraud department saw all this money flying around and they pulled a credit report of some kind and saw a million apps, it wouldn't surprise me to suspect identity theft first, or realize it's another AOR and then put the brakes on it using identity theft suspicions as an excuse.

These people usually figure out all the angles, and get paid to throw wrenches into them.

Good luck.

That is a huge post
I didn't feel like reading
Should not have used quote

DaveTheStud said:I am too lazy
To come up with a haiku
Outcome still pending?

Fixed