What a freaking mess!!
So at the end of June, I realized that BankofAsshats sent my June mortgage payment, that was intended for ChaseMyTail Mortgage Company for House A, to NationStupid Mortgage Company, to whom I had already made the June payment for House B.
With me so far?
Of course, BankofAsshats is taking no responsibility and says I must have made the mistake. Never mind that I could hardly be more militant about online payments. I log every confirmation number, verify and notate the disbursing account and the payment date and keep copious paper records etc. This isn’t my first rodeo managing my rental properties. But whatever. I needed to get on with solving the core problem, which obviously is that:
I am now late on the mortgage with ChaseMyTail and I NEED MY $2,000 BACK, dammit!!!!!
I look at my next statement from NationStupid and it is clear as day that they have posted the inadvertent payment as a random principal reduction. Calling them was a joke in and of itself – there is no way to easily speak to a human. After being transferred around, hung up on, and playing voice-prompt roulette for the second time, I explain my situation to someone who supposedly knows a guy who knows another guy who knows the department that might be able to help me get a refund. "Please hold."
After another lengthy wait, this rocket scientist comes on and says “So I understand you want to re-finance.”
Not ‘re-finance’, you dumbass!! Re-FUND!! Nice and slow. R.E.F.U.N.D.
Wait, it gets better. This genius at NationStupid says that, despite the fact that their July statement clearly shows the $2,000 additional payment, I have to FAX THEM PROOF before they can take action!!! I say “The proof is right there on your own damn statement!!” Oh no, I have to print out the BankofAsshat statement and write a letter and fax it to NationStupid. Meanwhile, I have to scrounge up another $2,000 to get current with ChaseMyTail, who won’t consider my request for a late charge waiver until I am current.
Fast forward one month and I STILL don’t have my REFUND from NationStupid and I am going to have to cover the ChaseMyTail mortgage AGAIN from other funds.
As if I were not already seriously pissed off, it is the insolence of these customer ‘service’ douchebags that really fries my cookies. They don’t have a dog in this fight so what do they really care? But *I* still have a wayward $2,000 and now have to tolerate some snot-nosed 22 year old ‘supervisor’ reading some drivel of a script explaining his utter helplessness. If this were any other organization, I would sever the business relationship in five seconds flat. But you don’t get to choose these days. NationStupid bought the mortgage on House B in April and you don’t get a say in whether the company that now services your loan is full of morons. It’s crap and it sucks.
I am going to go look in the couch cushions for some lunch money now. Thanks for letting me vent.