THE BANK OF AMNESIAHOW CAN YOU TELL WHEN SOME PERSON or CORPORATION HAS BAD KARMA and you should stay far away from them? Evil things happen to them is how! And if you use them, WORSE things happen to you! Take the BANK OF AMERICA for instance. The government had to bail these miscreants out, cuz duhhhh, they're going broke. Congress caught the bank president giving billions in paypackages to its exectutives ...tips on top of salaries... during a year they lost billions. Just a pile of pigs at the trough! So how and WHY does a hundred year old AMERICAN banking establishment with a built in profit margin up the wazoo suddenly have this kind of BAD LUCK KARMA? Turns out they didn't earn their money; babe; they stole it!And they stole it from seniors! So LOUSY are their banking skills that out of all the banks who got T.A.R.P bail-out money ...BOA couldn't even VOW TO REPAY IT LATER.
JULY of 2010, Bank of America was ignoring new laws to make credit card penalties clear at the onset, when clients sign up! HIDDEN PENALTIES still exist for BOA CCard USERS.
http://www.boston.com/business/personalfinance/articles/2010/07/22/credit_cards_not_always_clear_on_penalty_rates/GOOGLE "credit cards" as a term Plus Sign + Bank of America. This story just broke from Associated Press. BOA is a total scoff law and is ignoring the new laws making double down penalties, hidden penalty terms, ILLEGAL!
THE OTHER banks all DID agree to make penalties evident when you sign up for a credit card. And for a while, the other banks have told US GOV "we promise to repay' Obama and the US Taxpayers. The Bank of Amnesia couldn't or wouldn't make that vow. To be fair, neither could CITIBANK (*who also was caught commiting CREDIT CARD SWEEP FRAUD!! ) (LIVE LINK, CLICK ON IT!) but BANK OF AMERICA is the one with AMNESIA in their name boldly, nakedly declaring to ALL that they forget loyalty to their president, their country, the taxpayers and to their DEPOSITORS! In a time of RECESSION, they forget their manners. They forget to be honest. They forget to restrain their naked greed. SEE KEN LEWIS' DEPARTURE with 68 million under his arm. http://www.latimes.com/business/la-fi-lewis-pay3-2009oct03,0,1052008.story
And being a lot of very bad boys, soon, very soon they are going to forget to exist. But before they go they're going to stiff as many clients as they can. Among big lenders, Bank of America Corp. had the worst performance in the Treasury Department report card released Thursday. The nation's largest lender completed just 98 modifications for the 160,000 borrowers who had
signed up by the end of November. GMAC Mortgage had the most modifications of any lender, just 7,100.I am here to testify to how bad BOA is: First, they lose your deposits. YEP! A client called recently said, 'why didn' t you deposit my check from late June?' I went and looked at my stack of deposit receipts found that I had the ATM receipt for June 26th, the right amount, 100$ and the receipt even had the "photograph of the check" that the machine gives you these days, but on my statement, which I'd just received, not three weeks later, that deposit did not appear! They did not even credit my account with that amount! So they lost my deposit, or their worker stole it, or the ATM had been jimmied, checks taken. Who knows what happened? Somebody made a boo boo. I had to go into the bank and show them my photo-deposit slip to get credit for it!
NEXT, THEY feloniously charge you for ACCIDENT INSURANCE accounts that you didn't sign up for; they dock your account monthly for that, and do so for years on end! Their trick is to send you an ad saying sign here it's free, totally free, and below it a box that you could check if you wanted MORE insurance but you don't check it. THEY DO when they get your postcard!
NEXT THEY HIKE CREDIT CARD RATES at any time, how much they please, changing RATE boats on you, mid-stream. Then, they QUIT YOU at will, knocking your CREDIT RATING to smithereens. They did that to my Pal EVELYN, ruining her life.
FRAUD NUMBER FOUR, the BIG ONE: THEY HAVE HUGE OVERDRAFT FEES when they should just 'refuse card at point of purchase' The computer no longer says no to a purchase request which it used to do. Say YOU BUY A BUCK worth of salad greens at the market. WHAT IS SUPPOSED to happen is that if your account is too low for that head of salad, the computer says no. Market clerk says 'it was refused.' That's how they've done it for years, but not NOW! THEY PAY that head of lettuce and charge you 35$ for the loan! Me, I don't have credit cards. I just have a DEBIT CARD. But that's where they accomplish their Triumph of Evil, where they really get your tit in a wringer. They change their "Account Overdrawn" fees at will -- and do not listen to seniors who say, I'm with you for 50 yrs, you never charged me 35$ overdrawn penalty before! The super market usually just turns off the cash register and puts your grocery stuff back on the shelf.. In the old days, when your COMPUTERS denied credit at point of purchase, dummie here knew to put cash in the ATM! It was a much needed signal!
But suddenly, they PAY THE GROCERY and charge you 35$ for having done SO! I never told my bank to pay for groceries if I didn't have a dollar, and charge me 35$ for the privilege. I was not led to believe you behaved that way. You had a 50-year policy of simply giving a DENIAL at POINT OF PURCHASE. That suggested to the average depositor that by SHOPPING one could tell when she was out of money. Of course, that's not good enough for the BANKER's BOTTOM LINE so wily Coyote BOA changed the policy mid-stream. Their new policy is docking this senior 300$ in penalties just for going to the market for a dollar's worth of dog food! I'm here to testify to these horrors and MORE -- having just eaten a can of dogfood in their bank in front of TWO tyro MANAGERS, --to make my point that when they steal these huge sums from seniors the oldfolks starve and must eat dogfood! The two managers laughed at this stunt.
Two managers, both in early twenties, said they didn't remember the days when a debit card would simply flunk the food MARKET CHECK OUT STAND cash register test (and not get anybody penalized). THEY were too young. See cuz that was over 2 years ago. The junior manager age 23 had two yrs employment. I swore that the policy and procedure has been in place for the 50 years I've banked with them They didn't know about the old policy. They were just hired. I can' understand their JUNIOR AMNESIA but the l00 year old BANK'S??
DUMMIE here has banked at BOA for 50 yrs --ten yrs before my Mexican sojourn (spent 7 fertile 'lost' years in San Miguel De Allende Mexico having 4 babies) came back to USA and banked with BOA for forty years while raising the children as a single mother. For fifty, stupid years I banked with these felons (somebody shoot me picking them was as dumb as picking the BASQUE husband, a man without the words CHILD SUPPORT OR ALIMONY in his dictionary!)
LET ME TELL YOU HOW CROOKED BOA is. Five years ago, they sent me a "Do you Want FREE Accident Insurance?" advertisement. Wow! TOTALLY FREE as you're a BANK OF AMNESIA CUSTOMER! I see the word FREE, realize free is good, say sign me up. Well, they charged my account $1.70 a month for I think it was five full years. One day I'm really scrutinizing my statement, I spot this little payment to them, saw they'd been doing it for five years. Ran in, said you stole 200$ from me, I fought it, tooth and nail; they said "Sorreeeeee and they handed me my orig SIGN UP contract. There was a square empty box with a check in it. I SAID I DID NOT CHECK THAT BOX. I asked for the free one only see, over here. I pointed. They said yes but there's that check in that little box there. The one I didn't make. And these brigands kept my 200$ ! I told them THAT CHECK WAS CHECKED BY SOMEONE at the BANK INSURANCE OFFICE who saw me send back the blank with that BOX UNCHECKED! No matter. I WAS ROOKED for two yrs, that's a huge amount of money for a senior! A year of food practically.
Nossir, the only way to deal with the BANK OF AMERICA is to have eternal vigilence. Cuz they are playing dirty polo. I could have gone to WELLS FARGO and had a coffee maker or popcorn popper, or set of nesting bowls. Instead, I trusted a MAFIOSO from ITALY and their promises which were all lies. PALERMO PROMISES, good as the hot air they're breathed on. Yes, I'll say it. I'm not P.C. The MAFIA has another idea of what's honest from you and me. Does it seem honest that they QUIT THE OLD debit card POLICY, the ONE BANK OF AMNESIA HAD FOR DECADES AND SUDDENLY FORGOT and adopted another one that enables them to steal 20 billion a year from hazy seniors?
THE OLD POLICY was a precedent set by DECADES: if I went to a super market with my debit card in hand and tried to buy food and if I happened to be out of money, --the grocer would say sorry the computer says that you can't buy this food. No penalty. You simply know to amp up the astrology work, in my case or maybe in your case, take out a begging bowl and show it to your children and relatives. That's what seniors do in INDIA. They become wandering sadhus and the village feeds them. Certainly, you'd stop shopping at the PIGGLY WIGGLY!. You'd pick oranges off trees until the matter was rectified. Your own BANK WOULD NOT ALLOW you to step off a 300$ CLIFF! BUT THE BANK OF AMNESIA DOES! Cuz their amnesia includes no loyalty to customers.
Americans don't do this to Americans. What happened is, this bank learned WILY COYOTE at the teat of an ITALIAN MAFIA MOTHER. It's Sicilian Long Division. The American way, the honest way, didn't make enough money for the BANK OF AMNESIA -- so today they don't do that silly generous thing having the grocer say 'hey lady, your card is dead, gimme that can of dogfood back.'.
And they didn't inform their seniors that THEY HAVE THIS NEW POLICY, either. We go along to the market thinking, I'm fail safe. The grocer will warn me. And suddenly the SENIOR is dead in the water. You run to the bank and put in your social security check, Mine is 305$ a month, and see the entire check eaten up because there were six penalties in there. The postcards just haven't reached you yet.
You know what you do? you go home and eat dogfood, salted with garlic to make it savory and the senior's whole social security check is vaporized.
I fell into the TRAP of trusting them. BANK OF AMERICA sounds so wholesome. DREAM ON! You will starve! You will run out to buy a can of dogfood for a DOLLAR and then get charged a 35$ PENALTY each day, each can! EVERY poor, spacey SENIOR who lives alone, forgotten by her four children, no food in the cupboard, all of us, trying to keep one bean can extra in our rented room for difficult days, will be up the river without a canoe or paddle.
MY SOCIAL SECURITY CHECK was 342$ a month for last five years -- a fortune. Did you know the U.S. GOVERNMENT took all of us down l5% so now I get 305$ a month to live on. And having no car, no way to go to WELFARE (OR THE OTHER FREE MONEY OFFICES OUT THERE) to get canned food or food stamps. Or to the HEAP office to get a HEAT/WATER bill paid. They will do one a year if you can get there. No way to get a driver's license which HEAP requires. Picture ID. As DMV is l0 miles, an unwalkable distance, no bus money, No friends as nobody want to know a senior as they'd have to DRIVE a senior to the market one day a week. Anyway, Calif Governator said there's no more aid to adult indigents, so.. that whole food stamp thing 's over with. Ditto dental. Emergency rooms closed so there's no medical help.
BANK OF AMNESIA knew that my income was 300$ a month as they got that SOCIAL SECURITY check on the lst of the month. They knew they did bait and switch policy on this ACCIDENT insurance gambit and now their NO DENIAL OF CREDIT at PT OF PURCHASE dead debit card dead senior policy but they chose to forget their old ways. Pre recession ways, just as they forgot to inform seniors that MARKETS WILL NO LONGER announce the empty checking acccount.. The BANK OF AMNESIA profits when they forget to warn their loyal clients with long memories that the old policy is gone. So that's why I call them the BANK OF AMNESIA.
I could call them the BANK OF SLIME as they chose a life of temptation and crime. The rewards were seductive. So they chose mowing through a field of senile seniors who sent their debit card out to buy food on days there was no money. A buck for the food, 35$ for the penalty. Or Say you write check to landlord. It is a dollar short. THEY PAY it and bounce your daily debit card purchases for the rent and for every food purchase you make for a few weeks before you get the DELIBERATELY TARDY postcard series that says that they paid the landlord and they paid a dozen food shopping purchases, now you owe them a thousand bucks!
THAT IS MEAN. That is the QUEEN OF MEAN. They can't make money the honest way, charge you 22% for a credit card, charge you at least half of what that house purchase cost you. No, they can't do that. The Bank of Amnesia gets you by FORGETTING to send the poor senior a notice that those dollar cans of dogfood bought daily for their eating pleasure cost them 36$ each!
Ten days after you buy the dog food an undated post card comes saying 'whoops, 35$ penalties and then like the comet that hit JUPITER, you get ten more postcards every excrutiating day -- some days, you get two penalties for 70$ and that continues for weeks after and the penalties are irreversible even for senile seniors.
GIVE SENIORS the OLD WAY back where the DEBIT CARD STOPPED WORKING. So I complained. Ate dog food in front of two managers. And they said, "oh you want it the old way? We can do that for you."
Sign up for that program.I was on that program for fifty years. Did the Bank of Amnesia forget? NO. They didn't forget. People who run a bait and switch operation have minds like steel traps. So I am urging all of you who were likewise trapped by these Mafiosos to find other banks with human hearts, not a stack of lies, find credit unions, small emerging banks and switch away from the BANK of AMNESIA! P.S. I called the highest supervisor and was told, we'll forgive you June but it's too late for March, April and May. We can't even find those records. See? My point exactly! Amnesia!
Write me at astrology@earthlink.net and I will help you thru the WITHDRAWAL PAINS!
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