My dear bloggie friends, I am alive but not writing anything because I am currently struggling through several financial tar pits.
As you know, I need money to fix my Actiq-ruined teeth, so I have been selling what amounts to my “estate” on eBay, and that is actually going pretty well – but takes a great deal of effort to research and identify jeweler’s marks (once I can force my aging eyes, using reading glasses, a magnifying glass, and the macro setting on my camera, to find the damn things), researching current value, writing up detailed descriptions, taking scads of photos, blah, blah, blah,
Then I have to hit the e-waves to find a new money management program because Quicken On-line has been replaced by a piece of junk called Mint, and oh, just to make my life interesting, my main bank, a credit union who shall not be named, suddenly stops electronically communicating with the world and no one can fix it, maybe in a month or two.
So now I am looking for a new bank and a new money management program.
I finally settle on Yodlee and move to Bank of America, mostly because (1) they have my mortgage and (2) they have a brick-and-mortar building about 2 minutes from my house. Within a few days I regret the BOA move because their bill pay software is more painful than my dental work.
In the meantime, someone steals one of my credit card numbers, along with my name, address, phone number and the CVV and purchases two 800 numbers that they forward to a not-in-service phone number in my town, anti-aging cream that they ship to my home, identity theft club membership, credit report membership, coupon club membership, and crap like that. They don’t purchase anything they can get any benefit from, just shit to harass and annoy me.
Then it turns out that, because BOA’s bill pay is so complicated, the credit card bill pay accounts I set up to start paying out next month, paid out this month. This totally fucked up my checking account and sprouted a whole lot of red ink because I paid the credit cards this month at THEIR websites. So all my credit cards got paid twice. What BOA sympathetic or did they offer any assistance to help me fix this fucking mess? Absolutely none.
So now I’m working with each credit card account to get the funds reversed. And what does BOA do? If the bill pay transaction didn’t go through because of insufficient funds, they wait a few days and SEND IT AGAIN even though I’ve told them the bill pay transactions were errors that shouldn’t have happened in the first place. So the credit card companies send the payment back, BOA sends it a second time,, and I have to once again get the credit card companies to send it back AGAIN.
I am so hacked off at BOA right now, all I see is RED. And, of course, now everyone is telling me their own personal horror stories about them, making me feel even worse about having traveled down this dark path.
One of my credit cards is with USAA and they have been so helpful and polite, which is how they always are, that as soon as the shit stops flying at BOA, I’m moving everything to my new USAA checking account. Their bill pay is simple and easy to use, clean and efficient. I don’t have to click on 4 different screens or wade through all the crap I had to delete because it takes four screens to set up one payment that, in the end, decides to make itself recurring, so you have to delete it and start over again to try and figure out how to do just ONE single payment.
No madness at USAA; sanity reigns there; blissful calm and I can’t wait. At USAA, if there isn’t enough money, they either don’t send the fucking bill pay or they use the back up money source you provide; if that won’t cover it, your bill doesn’t get paid and they contact you. How hard is that? BOA is just stupid to send out a bill via bill pay that there is no money to cover.
So I am mired in financial tar that will take, I estimate, another 2 weeks to scrape off, and then I am going to pretend I can drink myself into a stupor and enjoy a nice stupor, because I deserve it and I need to stupor away all these money woes.