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.
December 11
1962—Canada Has Last Execution
The last executions in Canada occur when Arthur Lucas and Ronald Turpin, both of whom are Americans who had been extradited north after committing separate murders in Canada, are hanged at Don Jail in Toronto. When Turpin is told that he and Lucas will probably be the last people hanged in Canada, he replies, “Some consolation.”
1964—Guevara Speaks at U.N.
Ernesto "Che" Guevara, representing the nation of Cuba, speaks at the 19th General Assembly of the United Nations in New York City. His speech calls for wholesale changes in policies between rich nations and poor ones, as well as five demands of the United States, none of which are met.
2008—Legendary Pin-Up Bettie Page Dies
After suffering a heart attack several days before, erotic model Bettie Page, who in the 1950s became known as the Queen of Pin-ups, dies when she is removed from life support machinery. Thanks to the unique style she displayed in thousands of photos and film loops, Page is considered one of the most influential beauties who ever lived.
December 10
1935—Downtown Athletic Club Awards First Trophy
The Downtown Athletic Club in New York City awards its first trophy for athletic achievement to University of Chicago halfback Jay Berwanger. The prize is later renamed the Heisman Trophy, and becomes the most prestigious award in college athletics.
1968—Japan's Biggest Heist Occurs
300 million yen is stolen from four employees of the Nihon Shintaku Ginko bank in Tokyo when a man dressed as a police officer blocks traffic due to a bomb threat, makes them exit their bank car while he checks it for a bomb, and then drives away in it. Under Japanese statute of limitations laws, the thief could come forward today with no repercussions, but nobody has ever taken credit for the crime.
December 09
1965—UFO Reported by Thousands of Witnesses
A large, brilliant fireball is seen by thousands in at least six U.S. states and Ontario, Canada as it streaks across the sky, reportedly dropping hot metal debris, starting grass fires, and causing sonic booms. It is generally assumed and reported by the press to be a meteor, however some witnesses claim to have approached the fallen object and seen an alien craft.
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