Bank of America- Higher Standards

I'm sure, the Bank of America is a fine Bank.
I have been banking with this firm for some years.
I purchased a property some years ago with an existing mortgage with California Federal Bank.
This outfit was aquired by Nations Bank.
Eventually Nations Bank as well as Barnett, in Florida all became part of Bank of America.
Plus numerous other mergers and aquisitions now all under the same name, flag.

In any case, when I bought another property six years ago I went to a branch of the Bank of America and a mortgage for about 60% of the property value was promptly approved.
Payments from my Bank of America current account were arranged and for a time the scheduled monthly payment withdrawal for the mortgage amount worked without a hitch.
No problem. Every month end an agreed amount of money was taken from my current account to cover interest and the appropriate principle component as laid out in the mortgage agreement.

For whatever reason which was never explained to me, involving mortgage number changes( an internal bank thing nothing to do with me) the troubles started.
The automatic withdrawal did not take place. The bank referred the collection to their collection branch ( Buffalo N.Y.) The situation was resolved , I made a payment by check, from my current account and I was assured that the situation was taken care of.
From that point on, time and time again for a pertiod of ten (10) months or more the bank screwed up the automatic withdrawal arrangements. To add insult to insury they also reported me to the credit monitors for failing to pay my mortgage. And when I was finally so fed up that I decided to look for another lender, because of the erroneous reporting by the Bank of America, I had great difficulty to find another reasonable lender.
Eventually after I paid off the Bank of America mortgage with money I had to find at geat extra cost I received a an extremely carefully worded apology letter from the bank and I believe they also sent correction notes to the three credit monitoring agencies.

My point here, the Bank of America have caused me a great deal of trouble and expense. All the individual officers, male and female all over the USA which I talked to at one time or another during the 10 months showed a quick grasp and understanding for the situation but somehow it was never resolved until I finally paid this thing off.
Bank of America, Higher Standards to me is at best a sick joke. I can not blame any of the individuals I talked to during these trying times . But there obviously is something wrong somewhere or with management of this gigantig bank for their total inability to deal with the problem they created.

As a point of interst, I have never in my lifetime ( now 69 years old) never written a check not covered what I am saying is no N S F ( not sufficient funds ) refused check, ever.
I think I deserve better than the kind of standards or treatment received by the
Bank of America.the bank with Higher Standards.

....in my case, poorly treated by this giant bank...your standards of resolving problems are nothing to brag about...

Bank of America
Questionable Standards

pocoloco37

Some of the Worlds somewhat well off but so called non aligned nations got together in Cuba...The leaders of Iran and Venezuela even managed to work on a further Friendship Pact of sorts,all that just to piss off the Americans...I wonder where that is going.
A more intelligent administration should have seen this coming. Totally engaged in the quagmire of Iraq and Afghanistan this White House group appears totally oblivious as to what's going on in our region of the World. Like war on drugs...Hispanic immigration and the Mickey mouse efforts to stop it.

And among us..

The year is 2006....
My mother was born in 1906, that's 100 years ago...She was part of a family with 11 children and only four made it to age 50.
Her parents, stepmother and several siblings perished from the influenza 1918-1920. A younger brother ended up in Russia victim of the 2nd world war.

By 1906 the world population was 1.4 Billion that is 1 billion 400 million inhabitants on the earth at that time.
In spite of ww1, ww2, other wars since, the influenza, aids, famine, hunger and innumerable conflicts all over the world since 1906, the atomic bombs over Japan, carpetbombing over Germany, Stalins massacre of his people, Cambodia, Somalia, Yugoslavia and all the rest of the horrible destruction humanity has brought upon itself, ......It is estimated that today the world population is at about 6.4 billion...
In other words it has quadrupled in less than 4 generations.
Countries such as France, Russia, Germany, the UK, and a number of other European countries have reported as much as 20 % population decline in the last 25 years.

worldconcerns.blogspot.com/

Still concerned about the same old stuff, war in Irac, Afganistan 27 Canadian Soldiers returned in bags, trouble on hold in Lebanon which could flare up again, chickenfluepidemic on hold, world hunger nothing new...global warming and all the stuff that concerns us all in some way.

The USA has managed to spend about 300 Billion Dollars on Iraq. Nothing resolved so far. Whoever was nuts enough to believe a democracy could be forged out of this place. The best we can hope for is that they beat the crap out of one another in a hopefully short civil war...democracy in the region? Forget it.

The US has an estimated 37 Millon People living in poverty..nothing resolved here either. I was astonished to learn that one of the poorest US cities is Detroit Michigan, that's on the other side of Windsor Ontario which we consider to be a well to do place.

The Golf coast aftermath of last years Katrina-Hurricane disaster is being attacked but there are many bottlenecks. I think it's doubtful that this can be corrected. After all much of the region is below sea level and it does not take a genius to figure out what the resuls of another severe storm can bring.
Large parts of Texas may eventually face the same problem some day soon. Something to do with draining the swamps, as well as lowering the groundwater levels and therefore creating a situation where part of the country is now below sea level.