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.
August 20
1940—Trotsky Iced in Mexico
In Mexico City exiled Russian revolutionary Leon Trotsky is fatally wounded with an ice axe (not an ice pick) by Soviet agent Ramon Mercader. Trotsky dies the next day.
1968—Prague Spring Ends
200,000 Warsaw Pact troops backed by 5,000 tanks invade Czechoslovakia to end the Prague Spring political liberalization movement.
1986—Sherrill Goes Postal
In Edmond, Oklahoma, United States postal employee Patrick Sherrill shoots and kills fourteen of his co-workers and then commits suicide.
August 19
1953—Mohammed Mossadegh Overthrown in Iran
At the instigation of the CIA, Prime Minster of Iran Mohammed Mossadegh is overthrown and the Shah Mohammad Reza Pahlavi is installed as leader of the country.
August 18
1920—U.S. Women Gain Right To Vote
The Nineteenth Amendment to the United States Constitution is ratified despite heavy conservative opposition. It states that no U.S. citizen can be denied the right to vote because of their gender.
1958—Lolita is Published in the U.S.
Vladimir Nabokov's controversial novel Lolita, about a man's sexual obsession with a pre-pubescent girl, is published in the United States. It had been originally published in Paris three years earlier.
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