Swindles & Scams Jan 30 2014
TOO BIG TO GIVE A DAMN
Everything being said by people who hate Bank of America was proved true by our recent experience.


At Pulp Intl. we have an entire category labeled “swindles and scams,” and we think this qualifies. It all started when a cash card we rely upon stopped working a few days before Christmas. Terrible timing, of course. Gifts to buy, revelry to enjoy. But the screen of the cash machine read in glowing green letters: Transaction not possible. An immediate call to Bank of America revealed that they had cancelled the card. Why? Because a new one had been sent. But that made no sense—nothing had arrived in the mail. We asked, baffled, “So you cancelled the card without permission, even though it hasn’t expired and a new one hasn’t been activated?”

The associate, who called himself Elton, said, “The old card is expired.”

“No, it’s cancelled. You cancelled it. But it isn’t expired. It was supposed to run until December 31.”

“No, the card is only active until December 2013. That means it can be cancelled anytime during the month.”

“I have the card right here. It says it’s active until the last day of December.”

“No, it doesn’t say that.”

“Yes, it does.”

“It does not.” (See below)

 
Now, we had to wonder, do they not know what their own cards say? But of course they know. It’s just that Elton’s default move when told the bank had made a mistake was to lie, just like his superiors lie to investors, and the top executives lie to the entire world. When in doubt, just lie. But to make matters worse, he crossed the line from merely lying to blaming the customer. That’s the strategy they tried with the mortgage crisis, so perhaps it’s in the corporate bylaws somewhere. Maybe BofA should simply change its call center greeting to, “Thank you for calling Bank of America. We can’t help you, and it’s your fault.”
 
During the nine calls made to Bank of America, we were told variously that the social security number we gave them was not on file thus we had no account there; a new cash card had been sent; a new cash card had not been sent; and that two cash cards were already open on the account. In a truly bizarre turn, during one encounter we answered the three security questions we’d selected for account verification, but Elton (again) decided that, though we had fulfilled our security requirements, that wasn’t enough and he asked us a fourth question we got wrong. He demanded to know at which branch we’d opened the account, which was something we couldn’t remember after having lived in three countries and five cities since then. So then what was the point of the pre-selected security questions? Apparently nothing—the bank can simply quiz callers until they get something wrong. Their ace-in-the-hole is probably to ask the airspeed velocity of an unladen swallow.
 
But maybe Bank of America is simply too busy to actually help customers. After all, in 2013 alone it lost a $2.43 billion lawsuit for hiding income, a $39 million gender bias lawsuit, had to pay a $404 million settlement related to mortgage fraud, a $165 million settlement over defrauding unions, and that isn’t even a full list. Based on available evidenceBank of America is an extraordinarily corrupt institution that absolutely sucks all the way down to the little slot in its cash machines. The eventual resolution of our particular fiasco was this: a new card arrived after two weeks (no faster unless we wanted to pay out of pocket for express mail). Now that it’s here, we’re going to empty the account and Bank of America will be out of our lives forever.

There is one positive to all this: having been treated as if we don’t exist by the bank, we at least have the option of telling tens of thousands of Pulp Intl. visitors what happened. Does it matter in the end? Doubtful. Does the bank care? Certainly not. But at least we can add another anecdote to the growing tome of horror stories about Bank of America. And sharing our story here feels better than merely passing bad word of mouth to a few buddies at the bar. So thanks for listening. Now we can get back to your regularly scheduled pulp with all that off our minds.

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History Rewind
The headlines that mattered yesteryear.
April 23
1986—Otto Preminger Dies
Austro–Hungarian film director Otto Preminger, who directed such eternal classics as Laura, Anatomy of a Murder, Carmen Jones, The Man with the Golden Arm, and Stalag 17, and for his efforts earned a star on Hollywood's Walk of Fame, dies in New York City, aged 80, from cancer and Alzheimer's disease.
1998—James Earl Ray Dies
The convicted assassin of American civil rights leader Martin Luther King, Jr., petty criminal James Earl Ray, dies in prison of hepatitis aged 70, protesting his innocence as he had for decades. Members of the King family who supported Ray's fight to clear his name believed the U.S. Government had been involved in Dr. King's killing, but with Ray's death such questions became moot.
April 22
1912—Pravda Is Founded
The newspaper Pravda, or Truth, known as the voice of the Communist Party of the Soviet Union, begins publication in Saint Petersburg. It is one of the country's leading newspapers until 1991, when it is closed down by decree of then-President Boris Yeltsin. A number of other Pravdas appear afterward, including an internet site and a tabloid.
1983—Hitler's Diaries Found
The German magazine Der Stern claims that Adolf Hitler's diaries had been found in wreckage in East Germany. The magazine had paid 10 million German marks for the sixty small books, plus a volume about Rudolf Hess's flight to the United Kingdom, covering the period from 1932 to 1945. But the diaries are subsequently revealed to be fakes written by Konrad Kujau, a notorious Stuttgart forger. Both he and Stern journalist Gerd Heidemann go to trial in 1985 and are each sentenced to 42 months in prison.
April 21
1918—The Red Baron Is Shot Down
German WWI fighter ace Manfred von Richthofen, better known as The Red Baron, sustains a fatal wound while flying over Vaux sur Somme in France. Von Richthofen, shot through the heart, manages a hasty emergency landing before dying in the cockpit of his plane. His last word, according to one witness, is "Kaputt." The Red Baron was the most successful flying ace during the war, having shot down at least 80 enemy airplanes.
1964—Satellite Spreads Radioactivity
An American-made Transit satellite, which had been designed to track submarines, fails to reach orbit after launch and disperses its highly radioactive two pound plutonium power source over a wide area as it breaks up re-entering the atmosphere.
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