denise: Image: Me, facing away from camera, on top of the Castel Sant'Angelo in Rome (Default)
Denise ([staff profile] denise) wrote2009-05-14 10:34 am

tales from the financial front

While [staff profile] mark has been in PayPal hell these past two days, I've been in bank hell.

See, when we opened up our bank account, I specifically asked if there'd be any problems using the Visa check card for large-ticket purchases. Like, for instance, our hosting services. The account rep said sure, no problem, it's all good.

Fast-forward to us having moved the hosting payment over to the check card. Cue payment failing. Cue us talking to the bank and discovering there's a previously-undisclosed limit of $2500 a day in charges. Cue [staff profile] mark spending Tuesday on the phone with them to get them to raise the limit, and them agreeing.

Cue the payment failing again on Wednesday morning.

So I spent much of yesterday yelling at the bank (* note: i do not actually yell at banks, I just get very quiet and very stubborn), on the phone (* note: phones are evil), only to discover (* note: and by 'discover' i mean 'finally drag out of them after several hours of bouncing around their call center') that when they'd agreed to raise the limit on Tuesday, what they actually meant was that they wouldn't raise the limit at all (* note: and by 'wouldn't raise the limit at all' i mean 'either permanently or just for this one charge, despite having been assured all along that they could raise the limit for one charge').

Guess we're putting the hosting bill on my personal credit card again this month while we wait for the decision on the actual business credit card we've applied for :P

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abyssinia: Replicarter's head overlaid over metal wall/spiders (SG1 - RepliCarter made of metal)

[personal profile] abyssinia 2009-05-14 02:46 pm (UTC)(link)
oh god.

I'm amazed you haven't developed the power to make people's heads explode from the power of your mind out of sheer frustration.
niqaeli: Cale'Anon of LFG facepalming (facepalm)

[personal profile] niqaeli 2009-05-14 02:46 pm (UTC)(link)
D: That's a kind of epic amount of fail, there, jesus.
rydra_wong: Lee Miller photo showing two women wearing metal fire masks in England during WWII. (Default)

[personal profile] rydra_wong 2009-05-14 02:48 pm (UTC)(link)
brewsternorth: Electric-blue stylized teapot, captioned "Brewster North". (Default)

[personal profile] brewsternorth 2009-05-14 02:52 pm (UTC)(link)
Oy, that's messed-up indeed. And, not to get overly political here, but it seems to me that the enemies of small business aren't necessarily always overly-large governments, but can also be overly-large and in particular overly-incompetent financial companies. Hope this can get sorted out in time!
sara: S (Default)

[personal profile] sara 2009-05-14 03:57 pm (UTC)(link)
*sympathizes* Are they also putting two-week holds on large deposits? Because those are awesome. (Especially when the large deposit is drawn on, say, the state government. *sigh*) And it totally takes that long to check the balance on an account, in this day and age....
reginagiraffe: Close-up of giraffe feet. "Stompy Feet!" (Stompy Feet!)

[personal profile] reginagiraffe 2009-05-14 02:53 pm (UTC)(link)
*points to icon*

Yours to command.
florahart: (stompy boots)

[personal profile] florahart 2009-05-14 08:01 pm (UTC)(link)
*uses related icon because can*
reginagiraffe: Stick figure of me with long wavy hair and giraffe on shirt. (Default)

[personal profile] reginagiraffe 2009-05-14 09:27 pm (UTC)(link)

elizaria: generation kill text foxtrot.uniform.charlie.kilo (misc-cartoon: head meets wall)

[personal profile] elizaria 2009-05-14 02:54 pm (UTC)(link)

Sometimes I'm conviced that banks' rulebooks are written with a lot of () that say things like "we agree to this" (but only if ...and perhaps not even then) and "we'll fix that" (ooops, we forgot to tell customer..maybe they won't notice) and it ends with "lie lie lie to the customer, just get more customers"

You must have a lot of patience stacked up, necessity based if nothing else.
hkellick: (Excuse Me WTF)

[personal profile] hkellick 2009-05-14 02:54 pm (UTC)(link)
Well that's mildly annoying, and by mildly I mean head-banging-against-the-keyboard annoying.
kaki: (Finding Nemo: Staaare)

[personal profile] kaki 2009-05-14 03:03 pm (UTC)(link)
Unfortunatley, not everyone is as awesome and customer-friendly as you guys. What a shame.

Perhaps threatening them to move your credit card and account elsewhere might help ...?
ratcreature: hugs ({{{hugs}}})

[personal profile] ratcreature 2009-05-14 03:03 pm (UTC)(link)
Wow, that sucks. No wonder so many new businesses are failing early on, the owners are driven into insanity and/or homicidal rage...
phoenixsong: Text: WTF: what the frell. Woman with appropriate expression on her face. (angry)

[personal profile] phoenixsong 2009-05-14 03:06 pm (UTC)(link)
ARGH. Which is why I like the idea of small, locally-owned stuff in theory, but am also kind of wary of it. Hello, you're a business, what did they think you'd be doing with the account?
baggyeyes: Photo.1946 Ann. 4x5 Speed Graphic (Photo.1946 Ann. 4x5 Speed Graphic)

I feel I ought to send you something nice

[personal profile] baggyeyes 2009-05-14 03:08 pm (UTC)(link)
Are you a coffee drinker, or a tea drinker?

ouri: (Ishida: Ranty McRantPants)

[personal profile] ouri 2009-05-14 03:16 pm (UTC)(link)
That bank needs some serious smackdown.

As someone who also hates conducting business over the phone, you have my sympathies.
dunvi: blue (Default)

[personal profile] dunvi 2009-05-14 03:16 pm (UTC)(link)
Ow. And I thought my passport application sucked. I dunno if it'll make a difference to you, but my mom always used AmEx for her business card.

serenity: (u r awesome)

[personal profile] serenity 2009-05-16 06:01 am (UTC)(link)
Second this! And it's a great way to rake in those reward points! >:3
ilyat: (Default)

[personal profile] ilyat 2009-05-14 03:37 pm (UTC)(link)
I'm not sure if it's helpful or not, but the state dept I work for uses a Bank of America issued Visa card. I've a $5k transaction limit/day (max for my position), and I know that there are exemptions that can be made for certain cardholders that raises it to something like $50-100k transaction limit/day, intended for large contracted projects.
lassarina: (Ashe:  Kill It With A Stick)

[personal profile] lassarina 2009-05-14 03:39 pm (UTC)(link)
Oh good grief. What idiocy :(

*lends Ashelia Dalmasca and her bad-ass beating stick to the cause?*
msilverstar: (corset)

[personal profile] msilverstar 2009-05-14 03:49 pm (UTC)(link)
I've heard enough horror stories, I don't believe a word unless I get it in writing :-/

That said, is it specifically a business account? They are different from personal ones.
purpletigron: In profile: Pearl Mackie as Bill Potts from Dr Who (Default)

[personal profile] purpletigron 2009-05-14 08:07 pm (UTC)(link)
Indeed. Always take names, too - "I spoke to X-Y on day Z" .
zarhooie: Text: How do you find yourself tied up with a paper bag on your head? Been that kind of morning. (Random: Bad Morning)

[personal profile] zarhooie 2009-05-14 04:15 pm (UTC)(link)
Burn with fire.
adalger: Earthrise as seen from the moon, captured on camera by the crew of Apollo 16 (Default)

[personal profile] adalger 2009-05-14 04:43 pm (UTC)(link)
1) I second the notion of threatening to take your business elsewhere.

2) Will Hosting Company accept some other kind of bank-to-bank fund transfer -- e.g., wire transfer?

3) Will Hosting Company accept some payment schedule other than monthly to allow the transactions to be smaller, working around the per-diem limit?

I recognize none of these is anything you should have to do, but I tend to think in terms of finding solutions that work within current limitations as interim measures until The Right Answer can be implemented.
cloverdew: (Default)

[personal profile] cloverdew 2009-05-14 05:01 pm (UTC)(link)
I'm so sorry. That really sucks.

I really think that threatening to take your business elsewhere is good, but if you want to get their attention, you should talk to the manager of the branch and ask for his/her boss (the regional manager or even go higher... go as high as you have to) to talk things out. If you don't get a definitive answer IN WRITING that says they will be able to handle your needs, threaten to take the entire account to another bank asap.

I hope you get things resolved soon.
brewsternorth: Electric-blue stylized teapot, captioned "Brewster North". (Default)

[personal profile] brewsternorth 2009-05-14 06:39 pm (UTC)(link)
*nods* It took kicking the issue upstairs, pretty much to the corner office so to speak, to sort out some bank-related shenanigans that happened to some people I know...
afuna: Cat under a blanket. Text: "Cats are just little people with Fur and Fangs" (Default)

[personal profile] afuna 2009-05-14 05:03 pm (UTC)(link)
ARGH. I would send you a non-sucky bank if I could.

*sends thoughts of chocolate, instead*
uisdanna: white sheep red spork "sheep spork" (sheepspork)

[personal profile] uisdanna 2009-05-14 06:06 pm (UTC)(link)
your forbearance is awesome! though i will be watching for those headlines.
john: (lolhat)

[personal profile] john 2009-05-14 06:40 pm (UTC)(link)
Hey, maybe you could pay them with Paypal. *ducks*
rainbow: drawing of a pink furred cat person with purple eyes and heart shaped glasses. their name is catastrfy. (Default)

[personal profile] rainbow 2009-05-14 06:51 pm (UTC)(link)
Good lord.

Your bank needs whacking.

Many vibes headed your way.
twistedchick: Cam Mitchell pitching a holy fit in the kitchen (pitch a holy fit)

[personal profile] twistedchick 2009-05-14 07:00 pm (UTC)(link)
I am so sorry.

::looks over stack of walking stick and hiking staff for suitable shelelagh for you to use for bank-whacking::
mutantenemy: (Default)

[personal profile] mutantenemy 2009-05-14 07:29 pm (UTC)(link)
Wow, your frustration is reminiscent of mine when I had to deal with Bank of America a few months ago. They screwed me over so royally, I closed my account after being with them for nine years.


I hope you guys will be able to work things out. In the meantime, THANK YOU for the awesome job you're doing here.
luludi: (rant: choke)

[personal profile] luludi 2009-05-14 10:24 pm (UTC)(link)
Oh, man.... I fucking HATE Bank of America.

And, Denise, you need this today *points to icon*
jenrose: (Default)

[personal profile] jenrose 2009-05-15 11:49 am (UTC)(link)
I took my business elsewhere from BofA. They dicked me around on "free" checking and I went to US bank and have never regretted it.

florahart: (bandaids)

[personal profile] florahart 2009-05-14 08:07 pm (UTC)(link) Not. Okay. Fail, bank. A lot. I suppose there's something to be said for having good personal credit, anyway, so that you can put all this on your own card? Not that it's not still extremely irritating, just, you know, at least it's not making anything screw up in irretrievable ways.

*sends cookies*

Also, it occurs to me that it's probably just as well you've instituted a practice of sticking that note down at the bottom of all your posts, or some clever soul would probably put 16 support requests here and then you would develop the ability to make heads explode.
honeyelle: (writing in notepad)

[personal profile] honeyelle 2009-05-14 08:17 pm (UTC)(link)
Money people suck. I'm so sorry you guys are having so much trouble. :(
elmyra: (Default)

[personal profile] elmyra 2009-05-14 09:29 pm (UTC)(link)
You have my sympathy. I currently yell at banks for a living, but I have the advantage of being backed up by a large multinational corporation.
serenity: (wild horse)

[personal profile] serenity 2009-05-16 06:03 am (UTC)(link)
I somehow think I would have fun at your job. But probably also not last long.
zvi: self-portrait: short, fat, black dyke in bunny slippers (Default)

[personal profile] zvi 2009-05-14 10:18 pm (UTC)(link)
What I hate the most about a failure like this, where the account representative/uninformed call center people tell you that you can do something you cannot do, is that it means you have not spent time working on a solution they actually are willing to implement.

Also, why do they not give their call center people a giganto book of Limits We Actually Impose On Our Accounts? So the call center people can Not Lie to you.
luludi: (rant: iBitch)

[personal profile] luludi 2009-05-14 10:30 pm (UTC)(link)
Or my personal favorite, which is the complete and total lack of responsibility that banks claim when one of their representatives tells you something completely wrong (often, more than once)... and in the process royally screws any and all plans which depended on said wrong information.


wednesday: (Default)

[personal profile] wednesday 2009-05-14 11:18 pm (UTC)(link)
Sometimes I think the financial industry doesn't really want to have money to be capitalist with. They want those little rubber floggers with the steel handles and the stabbing.
amokk: (Yin Yang splashed)

[personal profile] amokk 2009-05-15 12:10 am (UTC)(link)
I hate institutions. I get the same bullshit with financial aid at my university. One person says one thing, call back later someone else says something completely contradictory, talk a third time (to a third person) and get a completely different story yet again.

And I just thought, "well, my bank X isn't that bad, I don't think" then realized that was who they were like, 2-3 bank buyouts ago.

I think they're actually told "if you don't know the answer, just say yes to the customer, they'll figure it out if it doesn't actually happen."
alitalf: Skiing in the 3 Valleys, France, 2008 (Default)

[personal profile] alitalf 2009-05-15 01:13 am (UTC)(link)
I wonder if there is an organisation on your bit of planet equivalent to the Federation of Small Businesses that we have in the UK. It is helpful for freelance workers (like me) on upwards.

An equivalent organisation might, for example, have access to a range of pre-negotiated business accounts that are actually suitable for a business that is not a multinational giant.

Failing that, ask the person on the phone if they could refer you to a bank that actually *wants* the business.
jenrose: (humancontact)

[personal profile] jenrose 2009-05-15 11:53 am (UTC)(link)
That's the point at which I start calling around, find a bank that can put in writing that I can get what I need, and go to the bank in question and close the account.

My husband was treated shabbily once at a bank when starting an account.

He walked in a few months later with a 100k check, and said, "This is the deposit you're not getting because you treated me badly when I had a 1k account.

Seriously, that is so unacceptable. You've done six figures worth of business! You are not small potatoes! They need to start doing a little less manual reading and a little more ass-kissing.
ardhra: Karen O of The Yeah Yeah Yeahs with stage make-up, singing into a microphone (Karen O)

[personal profile] ardhra 2009-05-15 01:10 pm (UTC)(link)
Argh, what a bunch of useless jerks!

Hope your credit rating is okay after all this charging. Noticed that the seed account sale is going okay, so hopefully you'll be able to be reimbursed.

You guys rock!
kayloulee: I blame the Republicans. Just generally. - Josh and Toby from The West Wing (I blame the Republicans. Just generally.)

[personal profile] kayloulee 2009-05-15 02:17 pm (UTC)(link)
Holy shit, what complete and utter sons of bitches. WOW.

I just bought a year's worth of paid time - thank you for getting the credit card payment system up!
ryan: self-pic (Default)

[personal profile] ryan 2009-05-15 07:26 pm (UTC)(link)
I'd ask which bank it is, so I could avoid them, but I try to avoid banks in general anyway. =P