# Bank of America fascists **URL:** \ **Category:** The BBQ Pit\ **Created:** [August 31, 2011, 4:51pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760 "2011-08-31T16:51:05Z")\ **Posts on this page:** 20\ **Page:** 3
**Author:** ![Gyrate](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/gyrate/32/3588_2.png) [@Gyrate](https://boards.straightdope.com/u/Gyrate)\ **Post date:** [September 1, 2011, 2:30pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/41 "2011-09-01T14:30:00Z")
> [@elucidator](#): > > They do this shit for the same reason a dog licks his balls by the fireplace: because he can. They nip some working class _schmuck_ for fifty bucks, what’s he gonna do? Take on Bank of America, with 1100 lawyers and 6 hitmen? [Something like that, yes.](http://www.digtriad.com/news/watercooler/article/178031/176/Florida-Homeowner-Forecloses-On-Bank-Of-America) [An even better take on it.](http://www.thedailyshow.com/watch/mon-august-8-2011/the-forecloser) ---
**Author:** ![Mama\_Zappa](https://avatars.discourse-cdn.com/v4/letter/m/71e660/32.png) [@Mama\_Zappa](https://boards.straightdope.com/u/Mama_Zappa)\ **Post date:** [September 1, 2011, 2:53pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/42 "2011-09-01T14:53:49Z")
Ugh!! I had a similar problem with an autopayment a couple years back - they sent me a “New!!! Improved!!! ZOMG THIS IS FANTASTIC!!!” card with a different number, out of the blue. Transferred the existing (smallish) balance, did not bother to transfer the autopay I had set up. So I happened to check a week or so after it was due, saw that my checking account hadn’t been drafted… logged in, and saw that no payment had been attempted… In my case they did fix things immediately including refunding the late fee and resetting my interest rate to the “good customer” rate. Make sure you check to see what rate they have tied to your account - a non-issue if you pay off every month but what if there’s a month where you need to carry a balance. ---
**Author:** ![Mama\_Zappa](https://avatars.discourse-cdn.com/v4/letter/m/71e660/32.png) [@Mama\_Zappa](https://boards.straightdope.com/u/Mama_Zappa)\ **Post date:** [September 1, 2011, 2:56pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/43 "2011-09-01T14:56:36Z")
> [@Hbns](#): > > I ceased all dealings with BoA when they used the recession and credit mess (that they are part and parcel to) as an excuse to change my nearly 2 decade old credit card account from a fixed interest rate of 10.5% to a variable rate that currently equated to about 21.5%. I tended to carry a balance but was never late with a payment. I was their goddamn ideal card holder and they showed me just how fucking stupid they thought I was. Fuck them. I closed the account. Heh - they did the same with me (and I’d held the card for nearly THREE decades at that point). I actually kept the account open because of the whole “length of account age” / utilization thing. I’ll charge 20 bucks on it now and then and always pay it off immediately. Since the autopay is currently working, it can be interesting: they’ll STILL draft my checking account for the minimum payment even though I might have already paid in full. Idiots. ---
**Author:** ![mischievous](https://avatars.discourse-cdn.com/v4/letter/m/c2a13f/32.png) [@mischievous](https://boards.straightdope.com/u/mischievous)\ **Post date:** [September 1, 2011, 3:02pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/44 "2011-09-01T15:02:09Z")
> [@elucidator](#): > > Unleash Elizabeth Warren. Clone her, and unleash them all! > [@Beware\_of\_Doug](#): > > Will the Elizabeths be wearing motorcycle patrol boots and riding trained bears? I can’t tell you how hot this makes me. ---
**Author:** ![Chefguy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/chefguy/32/138_2.png) [@Chefguy](https://boards.straightdope.com/u/Chefguy)\ **Post date:** [September 1, 2011, 3:30pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/45 "2011-09-01T15:30:46Z")
> [@Mama\_Zappa](#): > > In my case they did fix things immediately including refunding the late fee and resetting my interest rate to the “good customer” rate. Make sure you check to see what rate they have tied to your account - a non-issue if you pay off every month but what if there’s a month where you need to carry a balance. It doesn’t matter, since we pay the full balance each month. ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [September 1, 2011, 3:36pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/46 "2011-09-01T15:36:25Z")
> [@mischievous](#): > > I can’t tell you how hot this makes me. We are grateful. ---
**Author:** ![VinylTurnip](https://avatars.discourse-cdn.com/v4/letter/v/b2d939/32.png) [@VinylTurnip](https://boards.straightdope.com/u/VinylTurnip)\ **Post date:** [September 1, 2011, 4:18pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/47 "2011-09-01T16:18:19Z")
> [@Chefguy](#): > > I didn’t want to use the word “cocksuckers” in the thread title, which is more appropriate. It’s going to be one hell of an awkward conversation when I have to tell my wife she’s worse than Hitler. ---
**Author:** ![JoelUpchurch](https://avatars.discourse-cdn.com/v4/letter/j/f05b48/32.png) [@JoelUpchurch](https://boards.straightdope.com/u/JoelUpchurch)\ **Post date:** [September 1, 2011, 5:05pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/48 "2011-09-01T17:05:18Z")
It sounds to me a traditional terms like swindlers, thieves, cheats and frauds would be more accurate. BTW, I just read something today that makes your experience look like nothing. [http://www.cringely.com/2011/08/mortgage-reality-distortion-field/?utm\_source=feedburner&utm\_medium=feed&utm\_campaign=Feed%3A+ICringely+%28I%2C+Cringely%29&utm\_content=Google+Reader](http://www.cringely.com/2011/08/mortgage-reality-distortion-field/?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ICringely+%28I%2C+Cringely%29&utm_content=Google+Reader) ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [September 1, 2011, 5:18pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/49 "2011-09-01T17:18:11Z")
> [@VinylTurnip](#): > > It’s going to be one hell of an awkward conversation when I have to tell my wife she’s worse than Hitler. Nah. Just the usual international phone hook-up with the top twenty of her best friends offering sympathy over the booger-brain she hooked up with, and how noble she is to stick with you, seeing as how you wouldn’t survive an hour without her. ---
**Author:** ![VinylTurnip](https://avatars.discourse-cdn.com/v4/letter/v/b2d939/32.png) [@VinylTurnip](https://boards.straightdope.com/u/VinylTurnip)\ **Post date:** [September 1, 2011, 5:52pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/50 "2011-09-01T17:52:27Z")
Shit, _ **I** _ tell her that. ---
**Author:** ![Cat\_Whisperer](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/cat_whisperer/32/4839_2.png) [@Cat\_Whisperer](https://boards.straightdope.com/u/Cat_Whisperer)\ **Post date:** [September 1, 2011, 6:05pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/51 "2011-09-01T18:05:23Z")
> [@Mach Tuck](#): > > Which is about the nicest thing you can say about fascism. Or BOA, now I think about it. “Bank of America - Not likely to try to exterminate you.” ---
**Author:** ![SeaDragonTattoo](https://avatars.discourse-cdn.com/v4/letter/s/df705f/32.png) [@SeaDragonTattoo](https://boards.straightdope.com/u/SeaDragonTattoo)\ **Post date:** [September 1, 2011, 6:23pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/52 "2011-09-01T18:23:24Z")
This just confirms my “stay local” mantra. Local community banks and credit unions are where it’s at. Maybe you don’t get as many free ATM’s, maybe the credit cards aren’t as reward-ful, but man, the no-runaround is worth it. ---
**Author:** ![Chefguy](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/chefguy/32/138_2.png) [@Chefguy](https://boards.straightdope.com/u/Chefguy)\ **Post date:** [September 2, 2011, 2:54pm UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/53 "2011-09-02T14:54:42Z")
> [@SeaDragonTattoo](#): > > This just confirms my “stay local” mantra. Local community banks and credit unions are where it’s at. Maybe you don’t get as many free ATM’s, maybe the credit cards aren’t as reward-ful, but man, the no-runaround is worth it. Yeah, I’m trying to convince my wife to jump ship and start using our credit union’s Visa. ---
**Author:** ![OttoDaFe](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/ottodafe/32/356_2.png) [@OttoDaFe](https://boards.straightdope.com/u/OttoDaFe)\ **Post date:** [September 3, 2011, 1:31am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/54 "2011-09-03T01:31:28Z")
> [@SeaDragonTattoo](#): > > This just confirms my “stay local” mantra. Local community banks and credit unions are where it’s at. Maybe you don’t get as many free ATM’s, maybe the credit cards aren’t as reward-ful, but man, the no-runaround is worth it. True, you won’t find as many “branded” ATMs; but many, if not most, CUs are affiliated with networks that share ATMs. On my Chicago trip last year I kept myself funded using 7-11 ATMs that were part of the [CO-OP](http://www.co-opfs.org/public/locators/atmlocator/) network; and my daughter (a member of the same CU) had no trouble getting money in Europe. ---
**Author:** ![elucidator](https://avatars.discourse-cdn.com/v4/letter/e/8edcca/32.png) [@elucidator](https://boards.straightdope.com/u/elucidator)\ **Post date:** [September 3, 2011, 1:42am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/55 "2011-09-03T01:42:26Z")
> [@OttoDaFe](#): > > …and my daughter… had no trouble getting money in Europe. You should be more careful about the straight lines you offer up on these Boards, not everyone has my sense of propriety and dignified good taste. ---
**Author:** ![Beware\_of\_Doug](https://avatars.discourse-cdn.com/v4/letter/b/278dde/32.png) [@Beware\_of\_Doug](https://boards.straightdope.com/u/Beware_of_Doug)\ **Post date:** [September 3, 2011, 2:05am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/56 "2011-09-03T02:05:37Z")
> [@SeaDragonTattoo](#): > > This just confirms my “stay local” mantra. Local community banks and credit unions are where it’s at. Maybe you don’t get as many free ATM’s, maybe the credit cards aren’t as reward-ful, but man, the no-runaround is worth it. Oh great, ruin it for the few. Once millions of people start ditching big banks for local credit unions, the law of the market will see to it that said credit unions get bought out by said big banks. You want to see the future, imagine a boot stamping on your money forever. Or if you have no money, your face. ---
**Author:** ![wolfman](https://avatars.discourse-cdn.com/v4/letter/w/a8b319/32.png) [@wolfman](https://boards.straightdope.com/u/wolfman)\ **Post date:** [September 3, 2011, 2:23am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/57 "2011-09-03T02:23:04Z")
BOA was my one and only dealings with a bank. I had never actually heard of them, being raised by proper people who fervently believed, banks bad/credit unions good. I started with a credit union when I was 6, I took my piggy bank full of allowance and opened that account for 23.47. It stayed with me all the way through high school until I went away to college. But at college I had no car, and there was no Credit union I was eligible for I thought well everybody else is going to the BOA on the corner, they really can’t be that much different from a credit union. After they lied and stole everything in the account, and being told, we did lie and screw you, but what are you going to do about it, hire a 1000 dollar lawyer to sue for 250 bucks? by the Bank manager. Fortunately for me, that was right on the watershed when ATMs stopped being bank-limited and became part of national networks(still had to make sure it was a cirrus network, not a plus, or the other one I can’t think of though :)) and direct deposit became the norm, and I was able to do all my banking 1700 miles from the nearest branch. ---
**Author:** ![ReticulatingSplines](https://avatars.discourse-cdn.com/v4/letter/r/e274bd/32.png) [@ReticulatingSplines](https://boards.straightdope.com/u/ReticulatingSplines)\ **Post date:** [September 3, 2011, 6:31am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/58 "2011-09-03T06:31:19Z")
> [@mhendo](#): > > Actually, that’s incorrect. > > However awful fascism might be as a system of government and power, racial extermination is not a necessary component of fascism. Thank you professor, with regard to BoA not applying a bill on time, I should have instead joked, “How is that fascist? Unless you forgot to mention that in addition to stiffing you on a bill, they also tried to advocate the creation of a totalitarian single-party state that seeks the mass mobilization of a nation through indoctrination, physical education, and family policy. Fascism. (n.d.). In Wikipedia. Retrieved August 31, 2011, from [http://en.wikipedia.org/wiki/Fascism.](http://en.wikipedia.org/wiki/Fascism.)” ---
**Author:** ![mhendo](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/mhendo/32/3159_2.png) [@mhendo](https://boards.straightdope.com/u/mhendo)\ **Post date:** [September 3, 2011, 7:02am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/59 "2011-09-03T07:02:13Z")
That would be no good. Wikipedia is not an appropriate scholarly source. 🙂 ---
**Author:** ![Frank](https://avatars.discourse-cdn.com/v4/letter/f/3d9bf3/32.png) [@Frank](https://boards.straightdope.com/u/Frank)\ **Post date:** [September 3, 2011, 11:09am UTC](https://boards.straightdope.com/t/bank-of-america-fascists/594760/60 "2011-09-03T11:09:58Z")
> [@wolfman](#): > > … I was able to do all my banking 1700 miles from the nearest branch. Same here. I’ve kept my account at a credit union in Denver throughout sojourns in Ohio, Ottawa, and Missouri. I don’t even have to mail deposits anymore; I can go to a local cu that’s in the network to do that in person. [Previous page](https://boards.straightdope.com/t/bank-of-america-fascists/594760.md?page=2) [Next page](https://boards.straightdope.com/t/bank-of-america-fascists/594760.md?page=4)