Ongoing saga

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Comcast/xFinity has some real nerve. Obviously, there is always an issue with the cost of their service. Too high for too little. That has never been in doubt. But, if you saw an earlier post (Thieving) about the issue I was having with their billing, well the saga continues…

So, brief catch-up if you haven’t read the other post. Comcast decided randomly that it wouldn’t accept payment from my bank. They have done so for years but suddenly have decided the payment last month wasn’t going to be accepted. Instead of notifying me of an issue, they just said I hadn’t made the payment and said my account was “past due.” My bank says and has proven the payment was made and accepted by Comcast (thus, money was deducted from my account.) Now you are caught up.

I have made several calls the Comcast and navigated their stupid automated system over and over to get to a live representatives, who quite frankly don’t know squat. I was told the first time I needed to get confirmation from my bank that the payment was made.

I did so. It wasn’t the “right” kind of verification.

So, I was finally able to get through to Comcast payment services who said that they did receive a payment couldn’t (read wouldn’t) apply it because they needed some kind of verification because it was paid by a “virtual credit card.” Say what? I am using the bill payer service from my bank and the payment is made electronically to their system. There has never been an issue before. They don’t me to contact my bill payer service at the bank to get the specific authorization they needed.

I contacted the bank. They did their research and communicated directly to Comcast with the information. Comcast’s response? The customer has to provide the proof.

#$%&#$$@!!!!

Listen, Comcast, I authorized the bank to pay you. You have an agreement with the bank to accept electronic funds payments. You have been accepting said payments for years. Now, you won’t accept the payment and want me to authorize a payment the bank made on my behalf?

What the F’n crack you smoking over there?

I haven’t yet sent the proof to Comcast yet, but I’ll let you know if need a couple of you to accompany me down the the office to voice my literal displeasure in doing business with them.

How about a peaceful protest involving some windows and flipped cars? I feel like burning something down.

Refi update

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Big banks suck!

I already knew this, you already know this, but didn’t have a say in the matter upon initial purchase of the house. We have been through three refi’s with Chase Bank over the last 7 years and none of them were this bad. There was, of course, some jumping through hoops but nothing too out of the ordinary.┬áIn the past they have been relatively painless to work with, until now.

My last update on the refi I spoke of the communication issues and bumbling of the person I was working with. It continued. It didn’t get better and the more I complained about it the less communicative they got.

Anyway, I submitted all the docs the required from the start. Things are moving along. They get communication issues and then want to have me submit more docs that were never asked for the previous three times we refi’d. Um, what? Oh, and then the also wanted signed statements about things from the past they never asked about previously too. Um, no. Not gonna do it since they were not relevant then and they aren’t relevant now.

When they said the refi couldn’t go forward until the documents were submitted I protested. Nothing has changed in the last two years (that was the last refi) and really all they needed to do was get some updated financial statements. Nothing else they wanted pertained to the situation. But, they said they needed these because of “law changes.”

Um, what law changes? Neither person I spoke to could say specifically. They just kept repeating it – because that’s how society works these days…if you repeat it enough, it become “true.”

**Note, I had begun the process with a different bank at this point and they haven’t asked the questions Chase Bank was asking, so “law changes” my ass…**

So, I told them to cancel the application since it wasn’t going to move forward. That’s when their disclosure about the “good faith” deposit stole my $500. Because I didn’t submit documents they were requesting and because I cancelled the application, not because they declined me, they had the right to keep my money.

Essentially, that means the bank could literally ask you for anything and if you don’t comply they keep your money. I see how it is, Chase. You got me. My bad.

So, in essence, the bank contacted me about a refi to lower my rates. I jumped through the immediate hoops thinking it would be simple since I am already a current customer, and then they jacked the process to make it unreasonably difficult.

Looks like the bank robbers ride again!

I would advise not doing business with Chase Bank. Ever.

 

Refi

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I’ll tell you what, in a world where everything seemingly has to be done online right now, banks aren’t really trying to make the Refi process any easier.

When a bank contacts you about the possibility of lowering the interest rate on your mortgage it should be a breeze. They have all the info they need based on the current loan and short of a few updated documents for verification, it should be a seamless and painless process.

Nope.

At least not with Chase. Maybe others have been better.

Their website doesn’t work like it should. They are communicating, or at least trying to communicate with me, through two different portals instead of one. I can only upload documents in one of those portals, but have another portal to “e-sign” stuff in. Makes no sense.

Then the mortgage advisor assigned to me doesn’t communicate with me until nearly the end of each day so it takes another 24 hours to get anything done. This all could have been done last week, but they can’t print (or download) the documents already signed on their website, and they keep asking for things we have already done.

Irritating I tell ya! I stayed with them because it should be relatively easy if you’re already their customer. Nope. Not so much.

Frustration.

Tuckered

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It’s Friday and I need it.

Anyone else feel like this week was extra long and extra trying? Me too.

Estimates are now coming in for the room replacement/repair and, boy, it ain’t pretty. They are about $5-8k more than I expected they would be. Now the challenge is having to find a way to pay for this thing.

Meanwhile, the rainy season continues and the hope that temporary bandaids on the roof are going to work for at least a month (as that is about how long, apparently, it takes to get a HELOC – even when the bank is the one that already owns your mortgage).

So, I will try to survive this day and hope that a couch and a beer will waiting at home will help let the week’s stress go.

How bad do you need this Friday and weekend?