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December 20th, 2000

Banktastic II

A follow up to Banktastic that will make you wonder what’s going on, sometimes.

Remember how I was set to move my loan? Well, I finally did so this week. Imagine my surprise when I was nearly turned down… because of a bad credit score. Never mind that I have never had a past due notice or a late bill in my life; my credit score was saying that I was a big big loser, and was untrustworthy… certainly not loan material.

I called Old Kent and told them this, but they immediately washed their hands of it. "We can’t do anything about this", they insisted. I know how credit bureaus work; it’s like this: they report what the companies that are tied to your credit tell them. They are a middleman and nothing more. So here was Old Kent blaming it on the middleman. There was nothing I could do with them, allegedly, so I dealt with the credit bureau and launched an investigation.

If this was something minor, I wouldn’t have gone nuts about it… but a credit score is one of those magical things in life. I stopped by the local branch and spoke with the VP there, who couldn’t understand what was going on either. I got to see their internal files on me and, yes, everything was paid up thus far, on time. She was as courteous as possible about it, which was a nice contrast to the fellow on the phone who not only couldn’t help me, but had to check if he could give out his last name when asked for it!

It’s the same problem that all big corporations have. If an employee makes a mistake, they can’t admit it unless it’s in their favor. If it’s in your favor, or involves a good sum of money, expect less. -pm

Posted in Miscellaneous

FROM: Robert
DATE: Wednesday December 20, 2000 -- 8:37:20AM
I once spent 30 minutes on the phone with First Union to get back 50 cents they shorted me on a deposit. I'll be damned if those bastards are going to take a cent more of my money! Keep fighting, Paul!

FROM: Tony
DATE: Thursday December 21, 2000 -- 10:32:54AM
I normally cash my checks at a bank called SouthTrust. One day, I needed to cash a paycheck, and SouthTrust was too far, so I went to Englewood Bank. Even though the person I was with had an account there (and proof of it), I could't cash my check, unless I paid a $4 surcharge, gave them signature, I.D.(2 forms), Thumbprint, and someone else (relaitve) must confirm it. Needless to say, on a check amounting to $63.13, I thought that was crazy. What the hell does Englewood bank want next, a DNA sample, oh no wait, maybe a retinal scan.

FROM: WhoMe??
DATE: Monday August 5, 2002 -- 4:20:14 pm
You should trying working at Englewood Bank. It isnt much better than your check cashing experience there! They treat their employee's like dogs!!

DATE: Saturday January 1, 2005 -- 3:01:55 pm

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