Shit that annoys you

Company has both
Payment is five figures - bigger than co’s limits on remote electronic deposit, and settlement trustee didn’t offer choice to DD into co’s bank account. No idea why.

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Originally Posted by TBS

Company has both
Payment is five figures - bigger than co’s limits on remote electronic deposit, and settlement trustee didn’t offer choice to DD into co’s bank account. No idea why.

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Suspected as much. The industry in general is suspicious of large checks presented remotely, which is logical on its face but the rationale falls apart when you dive into it. Oh well.

Why couldn't you get a check, and mail it to the LLC bank to deposit it?

Because trustee sez checks would come at some unknown future date and well after payment via PayPal. Don’t remember the details - was like a year ago. Made no sense but not worth pursuing at the time.

Update - I got a response from them about my W9 just a minute ago. they want something changed and resent. No problem. Maybe progress…

People who are obstructionists and not problem solvers.

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Originally Posted by TNKen

People who are obstructionists and not problem solvers.

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Lots of times I ask people, “are you able to say yes to me, or only able to say no?” And then ask to talk with someone who can actually solve my problem for me.

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Originally Posted by Mustonen

Not an apologist for his situation, but I doubt there’s too much to make hay over here, at least yet.

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I kinda doubt they'll apply a late payment in the first month, but you never know. Not too worried about it regardless as I have a 100% success rate in calling in and getting late fees and bank fees removed from any account. It's just another annoying hoop they make you jump through.

DONT STAND IN THE FUCKING DOORWAY

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Originally Posted by ~mikey b

DONT STAND IN THE FUCKING DOORWAY

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I mean there WAS and earthquake like yesterday bro....

A couple more recent annoyances:


I still have a bank account up in Canada. Tried to log in recently and got an error message when doing so. Call the bank, and was told my login was blocked because I haven't set up the two-factor authentication they now require. Problem for me, the only option they are allowing is to receive a code sent via text message, and they will only allow a Canadian phone number. Which I don't have anymore, obviously. Seems like I could buy a pay as you go SIM card from a Cdn provider that would come with a Canadian phone number, and then put that into an old phone?


Second annoyance is Amazon fuckery. Trying to use them as little as possible but sometimes there aren't other options. Find item I've been looking for that is listed as in-stock, and shows Free Delivery Friday, Oct 28 if you order within the next 7 hours. Sounds good, add to cart and go to checkout. There, under delivery options it lists Free Delivery - December 5 and free Amazon Day delivery a couple days after that. WTF? I've been noticing instances where delivery dates have changed by a day or two for months, which isn't a big deal but kind of annoying. Or they'll change it so you only get the original delivery date with a small $3ish fee or a later date for free. They seem to change return window too. Used to be longer on everything and was quietly change to 30 days on most items. At least now, they seem to disclose the return window more clearly up front and in your orders list. I don't recall that being so in the past and got stuck with a few items they wouldn't let me return.

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Originally Posted by evdog

A couple more recent annoyances:


I still have a bank account up in Canada. Tried to log in recently and got an error message when doing so. Call the bank, and was told my login was blocked because I haven't set up the two-factor authentication they now require. Problem for me, the only option they are allowing is to receive a code sent via text message, and they will only allow a Canadian phone number. Which I don't have anymore, obviously. Seems like I could buy a pay as you go SIM card from a Cdn provider that would come with a Canadian phone number, and then put that into an old phone?

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Not sure about that... but maybe look into whether or not you can get a Canadian Google number?

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Originally Posted by TBS

Because trustee sez checks would come at some unknown future date and well after payment via PayPal. Don’t remember the details - was like a year ago. Made no sense but not worth pursuing at the time.

Update - I got a response from them about my W9 just a minute ago. they want something changed and resent. No problem. Maybe progress…

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Further update - after sending revised W9, I get sent instructions for how to update my account to a business account. Which involves simultaneously closing the existing personal account. Which I don't want to do.

I also note that the SSN Paypal has on file does not belong to me or any family member.

So after wrangling with them for 90 minutes on the phone I was assured that no backup withholding will be held from the deposit to the company's bank. So funds are in transit to company's bank account, and should arrive by Tuesday.

Will still report the transaction straightup. I'll let the IRS and whomever they assigned the SSN that paypal is using for me straighten things out...

God damn Paypal customer service sucks donkey balls

Burning a bowl, should be less peckish shortly...

Jeebus

Yer probably gonna die. Who should we notify of your disappearance?

PM Rontele

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Originally Posted by Mustonen

Not an apologist for his situation, but I doubt there’s too much to make hay over here, at least yet. Digital banking does not enjoy any particular protected status in regulation or by regulators, at least not such that it’s a “guaranteed service.” It’s generally considered a privilege and they can often put whatever hoops they want in front of it.

As to the payment, even if you crossed a wire and sent payments to the wrong person after the transfer date, those payments can’t be treated as late for the 60 days following the transfer date as long as you sent it to the wrong person in time. You shouldn’t get a late fee, and all they said was that it *might* incur a fee, not that it will. Not friendly, granted. If you DO receive a late fee you certainly have a valid bitch. There’s nothing negative to report to credit bureaus until it’s 30 days late, so that shouldn’t be any kind of problem. There are lots of good rules about prompt crediting of payments that nobody wants to fuck with, but if they don’t credit your payment timely and DO trip credit reporting that’s again a very valid bitch.

None of which is to say that you shouldn’t go ahead and register your complaint anyways. These guys will require some kind of response by the FI (or forward it to somebody who will) and it’s probably a good way to make sure your loan is escalated such that they don’t fuck around with it and cross any lines: https://www.consumerfinance.gov/complaint/

I’m confused by the $5 more for a better system discussion… but mortgage servicing systems are often a bit patchworked and that does indeed suck, though there are plenty of reasons why. You don’t just go buy a system and plug it in… the failure is typically in the implementation and development of a baseline system that you either purchase or develop in-house. Mortgage servicing and processing in general is a shitshow these days. Boom and bust with COVID and economy and rates and labor issues. Again, not an apology, but it’s not a very stable environment right now for most.

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That may all be true. I'd still complain to CFPB. Obviously they're not going to act on one complaint, especially if the late fee hasn't hit yet--so maybe wait and see if it does--but if there enough complaints about a particular servicer they may take notice. As far as whether there's a right to pay online--in this day and age paying bills on line could be considered the default mode and requiring people to open an account to do it is something the CFPB might want to look at to ban. But only if they get enough complaints. And better act before 2024.

Well sure, sport. I even put the link in my response. Though the primary value here would be, IMO, that any regulatory complaint is delivered to an executive level contact at the FI with a mandatory investigation and response; meaning they’ll be looking at evdog’s account specifically, review the activity and correspondence, and report on same to the regulator. You can bet the team responsible for servicing his specific loan is going to pay attention to it for at least a hot second, and it’s not like they can spit in his burger.

As to requiring a servicer to allow all of their borrowers to digitally originate ACH transactions to other FI’s, well… I won’t get into it but that’s a mess to unwind and won’t happen and wouldn’t actually solve the core problem.

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Originally Posted by PB

Jeebus

Yer probably gonna die. Who should we notify of your disappearance?

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We will equitably divide your gear.

I’m such an idiot. I’m buttoning up a house project today and last night I said “yeah, I don’t think I’ll need anything else from Home Depot to finish this.”

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Originally Posted by Supermoon

I’m such an idiot. I’m buttoning up a house project today and last night I said “yeah, I don’t think I’ll need anything else from Home Depot to finish this.”

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Ahhh... the optimism of youth. :D

I have been to the hardware store three times in one day, multiple times over the years.

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Originally Posted by Thaleia

I have been to the hardware store three times in one day, multiple times over the years.

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Me too - almost always due to plumbing projects... :mad:

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Originally Posted by skaredshtles

Ahhh... the optimism of youth. :D

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Originally Posted by Thaleia

I have been to the hardware store three times in one day, multiple times over the years.

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Yeah, I have made probably 20 trips in the last two weeks, so why I would say something so dumb, and provably false I don't know, but two trips later, I'm still not done.

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Originally Posted by skaredshtles

Me too - almost always due to plumbing projects... :mad:

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god damn I hate plumbing

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Originally Posted by ~mikey b

god damn I hate plumbing

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Yup

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Originally Posted by skaredshtles

Me too - almost always due to plumbing projects... :mad:

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My patient fiancé is usually happy to accompany me to the hardware store for project needs. She’ll offer opinions on color or finish or browse cutesy shit on end caps.

Unless it’s a plumbing project. I get a hard pass when it’s a plumbing project.