I'll warn you right up front - - - this is going to be a RANT.
If you aren't up for a rant this morning just toodle along down the internet highway to some other destination. It won't matter to me at all for I shall feel better just for having RANTED.
My rant today is against some HUGE bank, which shall remain nameless though there just MIGHT be a clue or two in this post.
SAID huge BANK loaned us money to help pay for #1 son's college bill. For TEN YEARS I've been paying this bank off for that loan - - - - something I happen to know that many many many Americans DO NOT DO - - - pay off school loans.
In July, when I was paying my bills, I noticed that with just a few dollars MORE on my monthly payment to SAID BANK I could pay off our loan one month early and get that one small bill out of my hair forever.
At least I THOUGHT I could get that lending institution out of my hair forever.
In august, I received a bill and evidently in THEIR eyes I had not only NOT paid off my bill, I was a month LATE with my last pay - - - in their opinion.
Now comes the really hard and really RANTY part.
We started TRYING to call SAID BANK. Oh my word - - - they have the "long phone menu" down to an art and nary anywhere on that long phone menu is a "talk to a real live person" option.
Once I finally DID get a hold of a real live person - - - only to find they could barely speak English.
Once I allowed them to deduct the payment - - - now with late fees attached - - - from my checking account because I was afraid my check was lost in the mail. After I did that, Fisherhubby asked if I had looked at the bank records to see if that check had cleared.
Oh my friends - - - the check CLEARED MY BANK ON JULY 15.
More phone calls.
More fighting with long, long, long, phone menus.
Finally, when I was about to pull every last hair out of my head, I got a REAL LIVE ENGLISH AS A FIRST LANGUAGE PERSON. I went over and over and over my story. Finally, real live person told me he had credited me with the payment that I made back in July, that he would take off the check-by-phone I had just given, he would put a notation on my account, AND would take any bad reports off my credit report.
I THOUGHT all was well.
I was even almost happy.
Then, while we were in Indiana FOR OUR SON'S WEDDING the calls from SAID BANK began coming in yet again.
Oh my goodness!!! What IS IT WITH THESE PEOPLE??? What part of English do they NOT understand?
Today I spent LOTS of time on the phone, after a long menu where I just started punching in random numbers and "7" finally connected me to a REAL LIVE PERSON, trying to get this all straight yet again.
I finally consented to PAY electronically the same amount of the check I sent back in July - - - just to get them off my back. Then I sent Fisherhubby to our bank for a copy of the FRONT AND BACK of the cleared check which he then faxed to them.
Hopefully, at some point, I will get a check BACK from them for the extra payment.
Oh - - - but this is after fees I've had to pay to get the check copy AND fax it.
SAID BANK owes me for those fees.
I expect I shall COLLECT those fees from them when:
Oh, and I didn't even BEGIN the rant about them not talking to ME unless Fisherhubby LET them - - -