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.
Reading the above Do not count the syllables Haiku it is not
Squire15
New Member
posted: Nov. 22, 2007 @ 10:40a
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
I am too lazy to read the whole thread, I saw what happened, what was the outcome? Or is this still pending?
Yunium
Tired Member
posted: Nov. 22, 2007 @ 3:13p
DaveTheStud said: I am too lazy To come up with a haiku Outcome still pending?
Fixed
ArbolLoco
Tired Member
posted: Nov. 22, 2007 @ 6:49p
kenmoreland said: 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 leavesold japanese form gives a sense of place and being snow falling gently
aeiouy
Senior Member - 1K
posted: Nov. 22, 2007 @ 9:28p
TheFicus is Gone This thread has veered way off base No More Haiku Please
lvlike86 said: DaveTheStud said: I am too lazy To come up with a haiku Outcome still pending? And the winner is: lvlike86 yes he is the man, man
mbaker4096
Senior Member - 1K
posted: Nov. 24, 2007 @ 3:53a
Wow. This is complete BS. I liked the audio clip...that was a nice touch.
Best of luck to you. These SOBs really do deserve to be taken down a notch.
theficus
Member
posted: Nov. 27, 2007 @ 12:06p
I apologize for the lack of updates the last few weeks. I've been extremely busy with trying to mitigate the damage from Bank of America's actions and, of course, the holidays. Here is a recap of what's happened since my last post:
I spoke with an attorney last week. He recommened I wait until I receive my money back, then pursue my case in small claims court. He said the amount he could potentially recover probably wouldn't be worth the financial and time costs incurred. The attorney did, however, advise me to contact him again if I did not receive my money within a few weeks.
I filed formal complaints with the OCC, FDIC, State Attorney General, and Bank of America executive office. All 3 government agencies currently are conducting investigations and should get back to me within 60 days. Bank of America's executive office has yet to respond to my complaint.
On 11/26/07, I finally received my money! As I was expecting, Bank of America deducted the nearly $1,000 in fees from my cashiers checks. The biggest part of my problem has been resolved, so now it's on to recovering my costs and repairing my good name.
I'm heading down to small claims court this afternoon to file my case. I don't have the time to read the entire thread this afternoon, so sorry if I missed any questions.
SinbadS
Member
posted: Nov. 27, 2007 @ 12:31p
BoA may have a second thought now that Sheikh Mohammed bin Rashid al-MaktoumSheikh Mohammed bin Rashid al-Maktoum (Dubai's ruler) bailed out Citi. Muslims now control almost 10% of one of the largest banks in the world.
ArbolLoco said: kenmoreland said: 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 leavesold japanese form gives a sense of place and being snow falling gentlyHmm, "gives a sense of place and being" is 8 syllables not 7...
Ficus in full bloom The return of all his funds Save one thousand kept.
mhesidence
Dismembered Member
posted: Nov. 27, 2007 @ 2:09p
The Ficus returns Update appreciated Small claims coming soon
RS4Rings
Back in Rehab
posted: Nov. 27, 2007 @ 2:34p
SinbadS said: Muslims now control almost 10% of one of the largest banks in the world. Great, So does that mean us Jews are off the hook.
scott1961 said: SinbadS said: Muslims now control almost 10% of one of the largest banks in the world. Great, So does that mean us Jews are off the hook. Jews are off the hook Theficus is now free to Terrorize country
DiabloD3
Senior Member
posted: Nov. 28, 2007 @ 9:13a
theficus said: I apologize for the lack of updates the last few weeks. I've been extremely busy with trying to mitigate the damage from Bank of America's actions and, of course, the holidays. Here is a recap of what's happened since my last post:
I spoke with an attorney last week. He recommened I wait until I receive my money back, then pursue my case in small claims court. He said the amount he could potentially recover probably wouldn't be worth the financial and time costs incurred. The attorney did, however, advise me to contact him again if I did not receive my money within a few weeks.
I filed formal complaints with the OCC, FDIC, State Attorney General, and Bank of America executive office. All 3 government agencies currently are conducting investigations and should get back to me within 60 days. Bank of America's executive office has yet to respond to my complaint.
On 11/26/07, I finally received my money! As I was expecting, Bank of America deducted the nearly $1,000 in fees from my cashiers checks. The biggest part of my problem has been resolved, so now it's on to recovering my costs and repairing my good name.
I'm heading down to small claims court this afternoon to file my case. I don't have the time to read the entire thread this afternoon, so sorry if I missed any questions.
BoA is so screwed. Good luck to you!
mhesidence
Dismembered Member
posted: Nov. 28, 2007 @ 9:14a
Theficus waits for info monkeys pound on keyboards silence is golden
theficus said: I'm heading down to small claims court this afternoon to file my case. I don't have the time to read the entire thread this afternoon, so sorry if I missed any questions. They're complete pricks when it comes to serving notice, too. My local branches wouldn't sign for certified mail.
You can hire your own friendly "service processor" for $100* (*before a $75 mail-in rebate) and slap it in a branch manager's face.
Boxcutter
Senior Member - 1K
posted: Nov. 29, 2007 @ 12:12a
$1000 in fees!
Plus, they must have collected some interest holding your money for so long.
Easy money for BOA!
bofafuctme
New Member
posted: Nov. 29, 2007 @ 2:36a
Same here. After their "research fees" etc. I'm over $800.00 close to 9 we'll see in 2 days when I get my cashiers check how much they raped me for. To hell with small claims. I'm getting them for every penny my attorney can squeeze out of the bastards. Today I called to find out where my check was they promised I would have by the 23rd and this time I recorded the call. Its legal to record the entire call regardless if several people pick up the line as long as the initial person agrees to be recorded which he did. The risk dept was recorded hanging up on me again right after saying "well I have news for you and your attorney...you're both stupid. We're a bank and if we decide to hold your money for a year we can do so. You attempt to scam the bank for money and think its wrong that your account is closed how stupid are you? Have a good day...click"
Now, I cant really argue with her calling me stupid. Its not the first time and besides I did have every penny I had in the one bank. BofA no less so she may have a point but I have a feeling I'll have the last laugh once the fit hits the shan if I'm successful in pissing enough people off which I seem to be able to do pretty well. I have already sent my complaints to the Virginia State Attorney General, California and the OCC. I'm waiting to get my check and then the execs at BofA and off to either state or federal court.
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