{"id":2617,"date":"2002-05-28T18:18:07","date_gmt":"2002-05-28T23:18:07","guid":{"rendered":"http:\/\/hill-kleerup.org\/blog\/wp\/?p=2617"},"modified":"2002-05-28T18:18:07","modified_gmt":"2002-05-28T23:18:07","slug":"you_can_borrow","status":"publish","type":"post","link":"https:\/\/hill-kleerup.org\/blog\/2002\/05\/28\/you_can_borrow.html","title":{"rendered":"You can borrow any time you like, but you can never leave"},"content":{"rendered":"

Once upon a time, we took a second mortage from Colorado National Bank. It came with a line of credit. All well and good.<\/p>\n

A few years later, with interest rates way down, we went back to US Bank <\/a>(the new corporate owners of CNB) and got a new second to replace the first, closing out the original second. All well and good.<\/p>\n

Here we are in 2002. We’re doing a complete re-fi of our first, which will pay off our second. <\/p>\n

“Hmmmmm, what’s this?” the underwriters say. “You have two more liens against the property than you listed. What’s with that?”<\/p>\n

“Huh?”<\/p>\n

The CSB second, which was convered over to US Bank, still shows a balance of $200, which means that it, and the line of credit, still exist. US Bank, of course, never told us that.<\/p>\n

Margie, the Queen of Phone-Related Stuff, called US Bank up in late April. After several reroutings, she was told, “Hmmm. We can’t see it on our computer. We’ll figure it out and get back to you in 3-7 days.”<\/p>\n

Three weeks later, last Monday, she called again. She was routed to some other Shadow Dept. in the US Bank phone tree. “Hmmm. We can’t see what the status is of the first inquiry. We’ll set another group on that and get back to you in 48 hours.”<\/p>\n

This afternoon, still no word back from the gnomes at US Bank, she called again.<\/p>\n

After being routed hither and thither, and waiting on hold for quite some time, she discovered (a) she was rerouted to a department that couldn’t help her, (b) that person couldn’t route her to anyone who could help her, and (c) that person’s supervisor was unwilling, even after several long, long minutes of (tearful) browbeating, to get her to a manager to complain about the experience as a whole, or to even talk to her. All she got was the direct number of the group that she needed to talk two about second loans.<\/p>\n

(If I live to be 100, I owe Margie for being Phone Point Person of the Family.)<\/p>\n

At this point, Katherine was waking up, so I went for a long walk with her.<\/p>\n

When I got back, Margie was feeling better. She had actually talked to someone (a) who was willing to help, (b) actually could help, and (c) helped her. It looks like progress actually has been made in getting everything closed and reversed and put to bed. Not that anyone had called to let us know this, but at least it looked like progress had been made.<\/p>\n

And someone will call tomorrow. They promise.<\/p>\n

[For more in this thread, visit here<\/a>.]<\/p>\n","protected":false},"excerpt":{"rendered":"

Once upon a time, we took a second mortage from Colorado National Bank. It came with a line of credit. All well and good. A few years later, with interest…<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":"","_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[48],"tags":[],"class_list":["post-2617","post","type-post","status-publish","format-standard","hentry","category-us-bank-sucks"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"","jetpack_sharing_enabled":true,"jetpack-related-posts":[{"id":4168,"url":"https:\/\/hill-kleerup.org\/blog\/2003\/01\/24\/the_final_chapt.html","url_meta":{"origin":2617,"position":0},"title":"The Final Chapter (one can but hope)","author":"***Dave","date":"Fri 24-Jan-03 3:00pm","format":false,"excerpt":"I did a bad, bad thing. After the June '02 brouhaha with US Bank, I never carried through with the final steps of closing out the accounts, including paying off...","rel":"","context":"In "US Bank Sucks"","block_context":{"text":"US Bank Sucks","link":"https:\/\/hill-kleerup.org\/blog\/category\/us-bank-sucks"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2585,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/01\/brother_can_you.html","url_meta":{"origin":2617,"position":1},"title":"Brother, can you close a loan?","author":"***Dave","date":"Sat 1-Jun-02 1:54pm","format":false,"excerpt":"So yesterday, at the suggestion of the loan underwriter, I contacted the title company to see if they had had any progress in getting US Bank off their collective butts...","rel":"","context":"In "US Bank Sucks"","block_context":{"text":"US Bank Sucks","link":"https:\/\/hill-kleerup.org\/blog\/category\/us-bank-sucks"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":15045,"url":"https:\/\/hill-kleerup.org\/blog\/2009\/06\/17\/bank-accounting-for-taste.html","url_meta":{"origin":2617,"position":2},"title":"Bank Accounting for Taste","author":"***Dave","date":"Wed 17-Jun-09 9:43pm","format":false,"excerpt":"So we finally, via Margie's taking action, we've started the process of moving our banking from WaMu (slowly, clumsily, turning into Chase) to a local credit union.\u00a0 Bellco was founded as a credit union in 1936 for the Mountain States Telephone and Telegraph Co. When Ma Bell got broken up\u2026","rel":"","context":"In "Big Business"","block_context":{"text":"Big Business","link":"https:\/\/hill-kleerup.org\/blog\/category\/big-business"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":2554,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/06\/05\/latest_greatest.html","url_meta":{"origin":2617,"position":3},"title":"Latest, greatest on why U.S. Bank sucks","author":"***Dave","date":"Wed 5-Jun-02 7:07pm","format":false,"excerpt":"Still more U.S. Bank stuff ... Here's a chronology of the shenanigans that happened today, prompting my diatribe from earlier: A letter, dated 29 May (a month after we started...","rel":"","context":"In "US Bank Sucks"","block_context":{"text":"US Bank Sucks","link":"https:\/\/hill-kleerup.org\/blog\/category\/us-bank-sucks"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":8175,"url":"https:\/\/hill-kleerup.org\/blog\/2005\/05\/02\/go_phish.html","url_meta":{"origin":2617,"position":4},"title":"Go phish","author":"***Dave","date":"Mon 2-May-05 10:52pm","format":false,"excerpt":"Phishing is the attempt to get you to tell folks your userids and passwords and similar identity-thievable items, usually by tricking you. The classic is the false bank (or credit...","rel":"","context":"In "Spam"","block_context":{"text":"Spam","link":"https:\/\/hill-kleerup.org\/blog\/category\/blogging\/computer-security\/spam"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]},{"id":3464,"url":"https:\/\/hill-kleerup.org\/blog\/2002\/11\/17\/banks_suck.html","url_meta":{"origin":2617,"position":5},"title":"Banks suck","author":"***Dave","date":"Sun 17-Nov-02 4:15pm","format":false,"excerpt":"After bailing out of US Bank to the conveniences and joys of Safeway Select Bank, and getting all our balances transferred and automatic withdrawals withdrawing and so forth ... imagine...","rel":"","context":"In "Personal"","block_context":{"text":"Personal","link":"https:\/\/hill-kleerup.org\/blog\/category\/personal"},"img":{"alt_text":"","src":"","width":0,"height":0},"classes":[]}],"_links":{"self":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/2617","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/comments?post=2617"}],"version-history":[{"count":0,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/posts\/2617\/revisions"}],"wp:attachment":[{"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/media?parent=2617"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/categories?post=2617"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/hill-kleerup.org\/blog\/wp-json\/wp\/v2\/tags?post=2617"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}