"Something's Up" In America's Big Berg
featuring
Selected Poems from The Alaska Mystery Collection
and The Tree Series
by Paula Marie Rose
"I'd rather Bitch than Switch."
I suppose they won't be plastering that slogan on the billboards next to smiling faces and their logo; so patriotic in red and blue with the white gaps. B of A and I have had a lengthy, and less than satisfactory, business relationship.
The larger they grow, the less competent staff I seem to
get to know.
I will state that all B of A staff have been varying degrees of polite; even when they were not helpful. That track record was broken on April 21, 2008 when the phone rep named
Folli (pronounced Fo Lee) who was answering questions about my Visa account 3732, about five minutes into our mutually unsatisfactory Q and A session asked: "What are you tryin' to prove?" just before he put me on hold. I wonder
if that conversation were recorded? B of A might want to use
it for an example of what not to say to a customer.
UPDATE: September 4, 2008. I read an article on Bloomberg.com about a "Probe" over some wheeling and dealing at B of A. There wasn't any mention of old Merlin, but he's still carrying around my Fully PAID balance on his books, as of August 7, 2008. Click here for the Proof.
The staffer at the branch I spoke with, and the priority customer service rep. who assisted me on the phone shortly after, both agreed it was an unusual recordkeeping method to have a fully paid amount sitting in the Balance column. The priority customer service rep. confirmed that the balance should have been shown as Zero; which is correct, as the amount was paid in full about 10 months previously. He suggested that I check back in a week or so to see if Merlin had the numbers rolled to zero. It's on my errand list for next week.
I have made no less than Twenty (20) attempts to get a straight answer and a clear resolution from B of A about my Visa account ending in 3732, and several other matters; either in person at more than one location, via their own email system (but their side of the emails have disappeared), and on the telephone. Somehow, they don't seem to be willing to provide satisfactory answers to very basic questions. And while the content is less than flattering to them; it is what a cross section of their staff has said to me.
Have a browse through this section and form your own opinion. And if you don't think that my written requests were clear; speak up, and send me an email. Due to the format of the B of A email, and the copious amounts of "filler" statements they use; the series is a bit difficult to follow.
I usually write correspondence to fit the lowest common denominator, but how low can one go? Although I'm willing to bet that if I reverted to primal grunts, and what could be considered a primitive, yet well understood gesture even in our modern world; that someone on the other side of the Banking Center counter might have their mind bulb flash, if only momentarily.
Bank of America is one of the biggest buck baggers in the country. I suggest they shell out a few greenbacks for staff training; the reading comprehension level of their staff appears to be substandard, across the country. Waiting until we switch to the new currency of the "Amero" will be too much information for employees to absorb at once. Use the K.I.S.S. approach, and have staff nail down standardized answers to common banking and credit card inquiries first.
I have physically stood in branches in FL, NC, DC, OR, CA, and AK (when there was a branch in J town for a short while), had numerous phone conversations with staff warming chairs in various cities (not certain that they were in the US, but I didn't ask,) corresponded less than satisfactorily via their email service, and have heard almost every version " I can't access that information, please call our 800 number..."
Granted, others tell me they have had issues with B of A also, but no one seems to have as many which mirror mine, or have found the same level of confused and incompetent staff; nationwide. As the man who smiled the wrong kind of smile at me, as he stood at the teller's station in a DC branch explained, "I can't help you with that; will there be anything else today?"
I wanted to shout "Liar Liar, Pants on Fire!" but didn't, being as it was DC, and there appeared to be a Homeland Security rep standing behind me on the left. He might have misheard my snappy line, and accidentally phoned in a false alarm.
MEET MERLIN! (April 21, 2008 printout.) And my Visa Account ending in 3732 to see for yourself how my account balances went from an outstanding balance (which has been paid in full, I'll post the exact pmt. date when I find it) to a Credit Balance (which was indeed accurate)
Oct. 25, 2007 Printout of my accts. and back to an outstanding balance due, the very next day! (October 26, 2007 Merlin Printout) All this Magic was worked in my account over a six (6) months plus time frame and the clock is still ticking forward, as the situation is still unresolved. Only a few copies of the printouts will be included, but there are more.
This also includes a time period when the account was Closed (by them), "merged" with the new account number and card that they issued me, and the details were removed from the system (according to several staff) but has since been reopened and the fully paid balance has reappeared as a balance due!! Astonishing. Creative Accounting at its finest.
The really interesting, and most telling emails, which they apparently have no record of, will be posted here soon. I have a few of my portion of the email, as I cut and pasted it into my regular email service; don't know how they lost theirs. They relate to the Merlin Teller, and how a fully paid balance of mine is being carried on their books as an outstanding balance on their system for months after I paid the account in full, probably sometime in October of 2007. I was repeatedly
told this same information by various B of A staff that I spoke with in person, numerous times, in various locations, but
I did not record the conversations and wish that I had.
Below is the one email where Luwalia E. Washington replied that such information about the magical money moves of the Merlin Teller carrying my full paid balance as an open receivable is correct. Which sounds like creative accounting, or outright fraud.
Accounting Majors, Back me up on this, please: A fully paid balance equals Zero Owed, and Zero Due. Correct?
UPDATE: as of April 21, 2008 this same $3,381.62 is still on this account as a "Leger Balance" but the phone rep named Folli, who the Agoura Hills branch teller connected me with on their phone line inside the branch earlier this afternoon, could not answer any questions about the account payment history; as this account has merged with the new account number they issued me (and other Alaska Air Mileage Plan Cardholders) back in September or October 2007. View a Merlin Teller Printout Click here of my accounts on April 21, 2008 Folli stated that he didn't know how to resolve the discrepancies about the minutes old Merlin Teller printout that I was holding in my hand and the 3732 account which was no longer in existence on his end.
That didn't sound accurate, as I was able to access the information on both the old 3732 account AND the new account until approximately January of 2008, and the phone rep I spoke who made arrangements for a balance transfer from another VISA Account I have at another bank for me on either April 3 or 4, 2008, said he would have copies of those 3732 statements mailed to me that day, at no charge to me.
(I have received an envelope at my P. O. Box from B of A; I'll expect the contents are the account statements, but won't know for certain until they are forwarded to me. And he stated the printouts would be provided without charge. See? same question, different staffer, better answer!)
UPDATE: May 15, 2008: I have received copies of my B of A Visa Card statements for account ending in 3732 from June 2007 through December 2007, as I requested and was assured were available at no charge during my phone conversation with the customer service rep. in early April. Good thing I ordered them when I did, as Folli stated on April 21, that the information no longer existed on that 3732 account. NOTE: Beginning with the October 2007 statement, the account number has been changed to my new account number ending in 28, (as they reissued all their AK Air Mileage members new Visa cards and account numbers.) The October 2007, with a closing balance of October 18, 2007 clearly shows a CREDIT Balance of $372.16. It would appear that MERLIN was out of the loop on my payment history, and didn't comprehend how to apply my deliberate overpayment on his side of the books.
Also, I emailed B of A a request to see who and why my Visa account (3732 at that time) was shared with others, without my consent. Valerie has previously stated information which she said was provided to the Tarzana Police, and "them" (she has not stated who relayed the information to her) by B of A, but has yet to explain who exactly was in charge of requesting or receiving information on either side.
May 17, 2008 UPDATE: I had a telephone conversation with a Bank of America representative while sitting in the Agoura Hills branch this afternoon. According to the records review by the B of A Priority Services rep. named Antoniette; there is no record of any inquiry into my Visa card account ending in 3732 by any law enforcement personnel or others during July or August of 2007. Antoniette also stated that she didn't have access to email to send me written verification of her records and words, but she did offer to tell me which regulations B of A follows to insure customer privacy, and that any inquires would have been noted on my account. She also stated that B of A would only provide information to someone who had my personal information and password, and that law enforcement would not be granted access to my account activity information without a court order; none was on file. She also stated that if Bank of America were to have given my Visa activity information to anyone other than me, they could be held liable for damages in huge lawsuits. We agreed on that statement. I also stated that my family members would have had access to much, if not all of my Visa card information, but probably not the password. It is possible that someone could have been impersonating me to gain access to my private account information, and that my family could have been, and most likely was, lying to me about the entire incident.
The Mystery still remains as to how Valerie knew specific information about a car rental, and mentioned the details to me about it at Christmas. She states in writing (under her section), and had also verbally to me, that the Tarzana Police Department is who contacted Bank of America. Sniff Sniff...That smells a little Fishy. B of A stated that they wouldn't give my specific activity information to anyone other than me without a Court Order, and claims no Law Enforcement branch ever contacted them about my Visa card. Valerie states that the Tarzana Police Department did contact B of A, and shared my activity information either directly, or indirectly, with herself and others. But she had information about a specific car that I had rented (although her color description was slightly off) so this part of the story isn't adding up.
Who's the liar here? Valerie? Why would my own daughter lie? But she did have some of the current activity and information on my Visa card. Bank of America? I'm almost on their side for this particular incident; as I know that avoiding lawsuits and payouts is high on their priority list. Unless some staffer slipped up, yapped out my private account activity, and didn't take time to note it in my file. HHHmmmm, sounds highly possible. Tarzana Police Department? Why would they have inquired about my Visa Card activity? And who requested and produced the court order to release my B of A Visa account activity? Show me the paperwork!! Sounds like the Tarzana PD was tossed into the ring by Valerie and others in this story as an afterthought; as no official paperwork bearing my name has been flying through the email boxes.
And would anyone like to guess where I parked that boldly colored rented ride that evening?
I have the answer I needed from B of A, so for now, I'll let this time waster email exchange below have a rest. It's just another example of their unwillingness to answer direct questions, or to put anything of substance in writing. Why would that be?
Note: I have put my 10 lines or less in Black, as their side truncates the message, and a different staffer replies to each message. It would appear that staff now providing the replies have no idea what my original questions were, and have taken no initiative to find out. Notice that not one as answered my question in my 2nd reply about whose phone numbers were appearing below the signature of Ms. Stockton. One is my phone number than I haven't had for the last 9 months; I have, more than once, asked them to update, and may have done so within their site myself; the other was a partially correct version of my current phone number.
What an amazing display of across the board poor customer service, and limited reading comprehension by staff. Let's hope that those folks who are actually in charge of counting the cash and aligning the accounts, have higher levels of intelligence, and accuracy.
PMR to B of A through their email system 5:20 pm May 16, 2008
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Accounts • Bill Pay • Transfers • Investments • Customer Service Privacy & Security • Search • Locations • Alerts • Mail • Help • Site Map • Sign Off | |
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Bank of America, N.A. Member FDIC. Equal Housing Lender ![]() © 2008 Bank of America Corporation. All rights reserved. | |
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PMR to B of A May 16, 2008
3rd request for Who received information about my account in 07 or 08 of 2007. 05 16 2008 Dear Mr. Garcia: Who requested Account Maintenance? I have requested specific answers to specific questions, in writing. I expect an answer from Bank of America to be in writing. All correspondence between B of A and me is being documented for my book. Please do your employer a favor, and provide me with the written documentation that I have repeatedly requested. Thanks for your cooperation. P Rose
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Accounts • Bill Pay • Transfers • Investments • Customer Service Privacy & Security • Search • Locations • Alerts • Mail • Help • Site Map • Sign Off | |
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Bank of America, N.A. Member FDIC. Equal Housing Lender ![]() © 2008 Bank of America Corporation. All rights reserved. | |
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May 15, 2008 Second Request._______________________________________________
The reply received May 15, 2008 Approx. 4:15 pm. No surprise that she wanted me to get on the horn with someone else. When something is in writing, it's a bit more difficult to backtrack over.
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Dear Paula M. Rose, Evening Phone#: (310) 422-0943 |
Message text: Please email me the name, email address, and telephone number of the B of A staffer who provided my account information into an inquiry by an outside party, of my Visa account (No's deleted by PMR) 3732 back in July or August of 2007. Please include the name of the inquiring party, and list any documentation that they provided B of A with, to allow my personal credit card activity to be shared without my consent. Paula Rose 05 15 2008 | |||||||||||
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EMAIL TO BANK OF AMERICA THROUGH THEIR INTERNAL ONLINE SYSTEM FROM PMR MAY 15, 2008.
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I'm not a Forensic Accountant, but sure sounds like one ought to have a little peek into my B of A account, and probably others. I mean really, if it were only my account having such creative accounting issues; that might sound a little bit "Targeted," now wouldn't it? I can only extrapolate that this creative accounting must be running throughout the system, because my tiny little amount of money can't be screwing up their entire Merlin. One phone staffer stated that they didn't know what the Merlin system was! I'm betting that particular call is no longer on file either.
Here are some of my favorite non-answers I received, and
not one staffer has yet to address the statement of "The Runaround" tag. Isn't that what the "Customer Service Level" box is for on the Merlin Teller System? I saw a # sign on a printout of mine, but hopefully it meant something more positive. And what does that * indicate next to my savings balance? Hey, if I have it all wrong, fill me in. But anyone
who reads English can see I appear to not be communicating well with the staff.
I deleted my phone numbers for this book, but the area code
is still incorrect on my cell listing last I checked. Yep, Shor Nuf. I have asked to have it corrected, more than once. Overall, many of their replies do not answer my direct questions; or they refuse to put it in writing, and list a phone number instead. And how about that time waster of being signed up for something that I did not request?
And you've got to hand it to them for building in that CONvenient tool they have which truncates emails so that what was important in the previous email has been cut off. The customer text box is limited to 10 lines of text; yet they have seemingly unlimited lines for sending feel good filler statements back to the customer. The design of their email system is different than those we are more familiar with; there is not "Sent" box for the customer, nor does the customer side of the correspondence have a date and time stamp. I've done my best guess for recreating that info. on my end.
I was going to add my comments for you to their words below, but decided it isn't necessary for me to keep restating the obvious. None of my emails ever suggested that any Phishing was occurring; another example of staff lacking basic reading comprehension is presented below. And they missed my lowest common denominator lines in sarcastic Hickspeak of suggesting that maybe someone at B of A was doing something a little bit Fishy.
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________________________________________
B of A reply sent to me on 02 23 2008
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Accounts • Bill Pay • Transfers • Investments • Customer Service Privacy & Security • Search • Locations • Alerts • Mail • Help • Site Map • Sign Off | |
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Bank of America, N.A. Member FDIC. Equal Housing Lender ![]() © 2008 Bank of America Corporation. All rights reserved. | |
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_______________________________________
PMR Request to B of A thru their online email system in December 2007.
Another B of A teller stated the information was incorrect. For B of A to be carrying its customers former credits and debits on their books for 16 plus months would be an accounting nightmare, in addition to being out of compliance with several Federal Banking Regulations. Please adjust all records stating any balance due on my past and present Visa accounts to reflect the current credit balance only. Also, please update day ph. to ***-***-***
as was confirmed by another rep. previously. Home: ***-***-***. Thanks! Paula
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Author's Note: I knew in advance that the March 2008 emails had been available online at B of A when I typed the question to Gordon in Cust. Service Chat. (Many of the Feb. 2008 were also. But do note that when I asked him a specific question about them, he couldn't answer it. And he didn't volunteer any details on the account maintenance that he appeared to have access to.
This message is not flagged. [ Flag Message - Mark as Unread ]
Date: | Tue, 15 Apr 2008 23:22:29 -0700 (PDT) |
From: | "Paula Rose" <paularoseimages@yahoo.com> ![]() ![]() |
Subject: | B of A Live Chat April 15, 2008 |
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