This could be a poem. It rhymes, after all. 

I just had one of those mornings where you try to fix something that should be no sweat. Instead of getting it fixed, you are stopped dead in your tracks by robotic phone responders, even more robotic humans, rules designed to make sure no one can really help anyone. Long holds on telephone lines and them telling you every other minute that your business is really important to them. And in the end, you get disconnected  and have to do it again. The hours roll by like a barren wasteland. Eventually, you stop caring. It can’t really be that important, can it?

You can’t reserve a place in the next queue, either. Even though you’ve explained your situation — in this case, explaining to your bank that after those five declines of your bank card shouldn’t have happened, and after which, ALL the declines have been reversed and now the bank is taking those repeated (obviously errors) from your account.  It is their error, not yours but somehow, it’s still your problem.

In the course of this, you discover for reasons unknown, the bank has converted your simple savings account into a money market account and have been charging you $12 a month while paying you a whopping $0.83 in interest every year! What a deal!

Local bank — and no it is NOT better than the bigger bank. Trust me. It might be worse.

Calling your bank, getting transferred, disconnected. Begging for a claim number or any number that will get you live entry into the next queue, from which you will likely be bounced to a yet another department. With and without a disconnection. Knowing you have reached your exhaustion point. You don’t care if you get the money back. All you want is hot coffee and a shot of adrenaline.

But let’s find the good parts.

Aren’t you glad you fixed that ridiculous savings account? You didn’t get done what you came to do, but at least you got done something done. If you hadn’t been hanging around your bank’s software for so many hours, you’d never have realized you had a problem. See? All good.

How many times did I plead for a reservation, a claim number, a person to talk to. A human conversation sans robots. The day vanishes while I hang by the phone. After a while, I wasn’t mad anymore. Too tired to be mad, to weary to whine.

Yet another bank.

This is how they do it. They get you so exhausted dealing with them you give up and crawl off to a quiet corner where you can suck your thumb in peace. It’s a fantastic system and …

It works. You never fix the problem. They get to keep your money for nothing. Life goes on. Dammit … I WANT MY MONEY BACK!

Banks. They are scum. Every last one of them.

Author: Marilyn Armstrong

Writer, photography, blogger. Previously, technical writer. I am retired and delighted to be so. May I live long and write frequently.


    1. I actually got to wondering if the amount of money was worth the effort. You get so involved with your bank, too. All those automatically deposited government checks, pensions, automatic payments to Netflix and Audible and who even remembers the rest. So changing banks gets inordinately complicated, even when that’s the thing to do … and all banks pretty much suck anyway. I hate days like this. What a waste of energy!

      Liked by 1 person

        1. I think it wasn’t this bad when I was working. We didn’t have so many ways to use a bank. We used checks and debit cards were very new and mostly, we paid with checks. There was less to go wrong and when you went into a bank and complained, they generally took care of it. Now, though … it can be a week or “on hold” waiting for that ONE guy who can take care of you.


          1. That’s true. I used to pay all our bills with cheques but I haven’t written one in 15 years. Online banking meant that I didn’t have to physically go to the bank so I’m still using a credit union in another state that doesn’t even have a branch here. I need to change that though, should have earlier but changing banks is a hassle.


            1. Absolutely. Changing banks is a major hassle and that’s why just because I get pissed off at the bank, I’m not going to make myself crazy trying to change my world. Because I’m sure the next bank won’t be any better, just different.

              Liked by 1 person

  1. At first I thought you were talking about the telecom companies, but the banks – absolutely a bunch of thugs. And they wonder why we are going around mad all the time. (count to ten then let her rip, Marilyn)

    Liked by 2 people

            1. The problem is that you have to open a new account first so you have somewhere to send your checks. Then you have to breathe deeply and hope they actually SHOW UP where they are supposed to be. THEN you have to track down all that payments that are attached to that account — and there a lot … NOT to mention that all of my payments go through this account. It took me a long time to get all of this running smoothly, so they piss me off a LOT, but I’m sane enough to recognize that changing banks would be a lot more work for me than satisfaction.

              Liked by 1 person

              1. It isn’t an easy move. Maybe open another account somewhere else and move some of your assets there, leaving the other payments etc. in place. They really have you screwed.


      1. How did they get to rule our lives, and yet make themselves so inaccessible and without our seeming to notice that it was happening? It was 1992 when I had the last civilised exchange with a bank manager. He was young and enthusiastically personable too. The next time we visited the bank, after they had sent the contents of our bank account to an unknown recipient in Dubai, on the basis of a forged letter, he was gone, and the place was swarming with a rude PR woman who treated us like crooks, and was only concerned with revamping the bank’s corporate fittings and fixtures. When their mistake was finally resolved we received no apology until I complained higher up the ‘food chain’. I think we received £50 compensation for several weeks of nightmare and stopped payments.


        1. Basically, banks do whatever they want. If it turns out to be illegal, they say oops, but they NEVER give back the money or apologize. And because we can’t do without them any more than we can do without electricity, we cope. It infuriates all of us, but there’s no choice. You can’t live a life without a bank and though I keep hearing how great local banks are, we’ve been hurt worse by the local guys than the big ones. You can take your choice, but in the end, they are only glad to see you the day you open an account. After that, you are apparently, rabble.

          Liked by 1 person

  2. Actually, I’m very happy with my bank right now. They did get me that $2900 back from the fence guy. But generally, I agree that trying to contact anyone at any bank is a royal pain in the ass – and I really, really hate Bank of America. They’re the worst bank ever.


    1. They weren’t always this bad. The problem is, it’s not like changing your paychecks to a new bank. We’ve got four payments from pensions and social security and money coming out for various things like Netflix, so it gets to be a really big deal changing. And frankly, we got thoroughly whacked by a LOCAL bank — a lot worse than anything BOA has done. They may be the biggest baddest bank, but the local ones are scum too.

      Liked by 1 person

  3. That’s why whenever I have a problem with my bank, I go to the branch and park myself outside of the branch manager’s office until my issue gets addresses. I am relentless.


    1. That would have been next. The problem is that these super low temps are really hard on my lungs. Until it warms up a little, I’m inside. But they are predicting a move up in temperatures by the end of the week. We’ve now officially had the longest super cold period in more than 100 years. Better than snow, but I suppose that’s just an opinion.

      Oh, and as soon as the temperature goes down, we’re getting about a foot of snow. Maybe.. Could be more. Could be less. The weather guys are pretty fudgy about it. They clearly would rather NOT make a prediction. Hmm.

      Liked by 1 person

  4. Boy, this one gave me pain as I have had some ugly encounters with banks. Chase was ignoring my post-dated checks and cashing them according to some willy-nilly system that cost me an overdraft charge on several checks, which amounts, were often larger than the checks themselves. They chose to pay the biggest one first which depleted my account regardless of the date and caused me to be overdrawn on every little amount after that. Way to make money on the innocent.

    So why do we even bother to put a date on those checks if they will be ignored? To make matters worse I had allowed them to link my accounts which made no difference.., they covered the checks from another account but I still got charged a fee. The only way I could solve most of it was to, personally, go to the bank and demand that the charges be removed and my accounts be unlinked. Their response was that “surely I didn’t want to be embarrassed, when making a purchase, by having insufficient funds.” BS!” I exclaimed. If I don’t have the funds I don’t purchase.

    Bottom line; banks are not there to serve its customers but to make money at any opportunity. If you holler loud enough you can often get some satisfaction, but it may require you to personally storm the Bastillion.


    1. I had this happen with the LOCAL bank. And once they threw you into an overdraft, each additional thing that came through put you into a deeper hole. They totally ignore the dates on checks, so I never do that anymore. None of the banks pay ANY attention to the dates.

      They are all there for one purpose: to make money. Any old way they can. You are there to be stripped and plucked for every last penny.


Talk to me!

Please log in using one of these methods to post your comment: Logo

You are commenting using your account. Log Out /  Change )

Google+ photo

You are commenting using your Google+ account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.