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Old 10-26-2007, 09:23 AM   #1
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Default Somebody calm me down!

For the second time in a row, my bank (BOA) screwed up my billpay. My car payment was supposed to come out today (I set it up to come out when I get paid) IT CAME OUT YESTERDAY. Which caused....7 other transactions to go negative The last time this happened, they tried telling me I scheduled the payment not on the date I was telling them, and I called BS, since the date on the check they sent out clearly stated otherwise. Nonetheless, they credited me all the fees that little snafu created. And again, they will credit all the fees incurred by this mistake as well. BUT...am I wrong in thinking that if you actually schedule, through the bank mind you, a payment to come out on a particular date, that it needs to come out ON THAT DATE?

I'm beyond perturbed. Because the money that is coming out today...I was going to spend @SEBF.

*sigh* I need my glasses
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Old 10-26-2007, 09:32 AM   #2
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I have several bills set up to be paid on a certain date. I have to set it up to be paid the day before, otherwise it won't go out in time.

Is yours actually going out a day early or is it going out at 1201am on the correct day?


PITA anyway, and it don't do your credit rating any good either. Even if the bank corrects the mistake it could still be a black mark against you sometime in the future.
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Old 10-26-2007, 09:52 AM   #3
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Switch banks. BOA is a much of money hungray theives. It wouldn't surprise me if they do that on purpose so they can collect all those outrageous fees.
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Old 10-26-2007, 10:06 AM   #4
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I agree, BOA is not so nice.
Personally, I don't care much for any financial institution though.
That definitely sucks they did that twice.
You can almost see once, but twice


That is why I don't have anything scheduled to come out automatically. I understand the convenience, and that it is sometimes even cheaper ( I know I can save money on my car insurance if I do the automatic payments) but to me the potential problems.

As far as calming down, you can try this
http://www.wikihow.com/Calm-Down
Gotta love Wiki
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Old 10-26-2007, 10:17 AM   #5
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Personally I like BOA. It is everywhere I want to be except up in the Thumb of MI. Go figure.

I would go into your local branch and talk to one of the Account Representatives. Might cost you a little time but you will get better Customer Service. The Account Rep is well aware of the competitiveness in the banking community and wants to retain your account.
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Old 10-26-2007, 10:20 AM   #6
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Quote:
Originally Posted by JMH1950
Is yours actually going out a day early or is it going out at 1201am on the correct day?
A day earlier than scheduled. And switching banks isn't in the near future either as my mortgage is through BOA.

For the most part, the bank has been good to me. I've learned to really keep on top of my finances. For the first year or so I was with them, they made quite a bit of money off of me , but since I'm in a career and a home now, they aint takin' a dime from me unless I truely deserved to give it to them.

I DO have Washington Mutual, but it is a spare account in case something catastrophic happens to my BOA accounts. I throw a few bones in there every so often, but I dunno...maybe I should start using them a bit more often.
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Old 10-26-2007, 10:23 AM   #7
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Two important words that have always worked for me:

Credit Union

Try Fairwinds CU (used to be Navy Orlando CU). See if they have a branch near you. I get the best rates on loans, CDs, Money Market Accounts, Interest Checking, No checking fees, good service, auto transfers, etc...

I haven't used a conventional bank since the early '80s.

A credit union is actually owned by all it'* members. As a result, the best ones are not out to make piles of money off the members.
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Old 10-26-2007, 10:24 AM   #8
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Quote:
Originally Posted by tallbump


Looked it over....didn't see any mention of the words "snipe", "Quake 3 Arena", or "HAASAAN CHOP!!".

I'm going to the junkyard. In the rain. That should tell you guys something.
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Old 10-26-2007, 10:24 AM   #9
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I personally have set up alot of my accounts to go out a day after I actually want them to go for this reason exactly. I dont understand why BOA has this horrible habit of screwing costomers but If it doesnt make the payments late to whomever you are paying I would suggest doing the same. That way say you get paid on the 15th... If you dont get paid untill 5 pm on the 15th a 12:01 am payment doesnt put you in the negative. Im Sorry to hear that this has happened to you as well. I do suggest swiching banks so you dont get stupid fees added to your account for something they did wrong though ( read Teller fees!) Good Luck!
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Old 10-26-2007, 10:34 AM   #10
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Quote:
Originally Posted by sandrock
Quote:
Originally Posted by tallbump


Looked it over....didn't see any mention of the words "snipe", "Quake 3 Arena", or "HAASAAN CHOP!!".

I'm going to the junkyard. In the rain. That should tell you guys something.
How about this one then
http://www.funny-games.biz/tacticalassassin.html

Junk yarding in the rain huh???
Actually doesn't sound that bad.
Beats working
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