About 4 months ago I switched from the national conglomerate bank because the local branches were pissing me off. One closed at 4pm, were rude and often ignored me in the drive through. The other ignored me when I wanted to open a savings account, and tried to give me a hard sell when I wanted to close the checking account (whose total balance was pretty paltry, and not worth the effort, which the manager discovered after the hard sell).
I opted for a local bank. I was greeted on the way in the door when I wanted to open an account. Low minimum balance, ATM fee refunds, the people were polite, friendly and helpful, lines were unheard of, and the branch was much closer to me.
They announced about 3 weeks ago they were being bought out. They called it a merger, said they were joining the XXX family of banks. I assumed there wouldn’t be a problem. They said my ATM/debit card wouldn’t work on Monday, and I wouldn’t be able to activate the new card until Tuesday, so I should prepare, take out some cash, have it handy. This was not a big deal, really, though I rely on the debit card 100%. I’ve not encountered a business here that does not accept it.
Come the Monday in question, I’ve still not received the new card. I tend to be asleep during business hours. I recently moved, and recently went in to the bank and had my address changed. This is probably the reason for the holdup, I assume.
I have to interject here and say I was still receiving plenty of mail from them. I hoped each one contained the new card. The first letter I got was forwarded by the postal service. They’d gotten to the point where they were sending something like 4 separate statements a month. One for each account (checking & savings), for some moronic reason. I got extra this month, probably due to the merger. One said “last statement: July 16, this statement: July 19” and had about 3 transactions on it. I even got a postcard directed to the proper address reminding me of the Monday when my card won’t work.
BTW I hate bank statements. I can view them online at my leisure; I’d rather they not be taking up space in my waste bin, or be used to steal my money.
My SO spoke with them yesterday during business hours, when I was asleep, trying to figure out where my card was. Apparently it had been returned to the issuing card company’s HQ. The CSR mentioned something to do with coming in on Thursday. So basically I’m now without funds for four days instead of one. He mentioned I can go in during normal business hours and get money. No shit, sherlock.
I get something in the mail today from the new bank about a transfer of $20 from my account to another. Right. I sure as hell had nothing to do with that. It’s 11PM though, and there’s nowhere I can call or visit to find out what the hell this is about. The online banking was supposed to be down since the merger, and I was supposed to log in to the new service. I haven’t logged in to either for a week. I try the new online service and it tells me my account is locked.
One thing - I’m lazy as hell. I don’t want to figure out whose account number this transaction went to, even if it’s mine. I don’t want to call you up or visit to find out what the fuck is wrong. My biggest issue with them is that they’re making their problem (the merger) into my problem, and assuming that I’d be happy to deal with it.
This pisses me off. I’ve got enough on my plate. If I wanted to start a new account at a new bank, I would have to go through all this shit. I did, not that long ago, and now I’m tempted to switch again. Here now I have a problem because some rich bigwig needs to line his or her pockets a little better. Now I have the temptation to go down to the branch and get pissed off at their polite, respectable, helpful employees who have jack squat to do with all this avaricious, bureaucratic bullshit. They just smile and deposit my checks, and do a damn good job of it. It’s not their fault someone in corporate didn’t think to mail the card a goddamn month ago, made it available at the branch, or have it fucking overnighted to my address so I don’t close my account.