Interesting. On one hand, they don't need a ME affidavit to do this.

On the other hand, If I tried this, walking into a BOA office and telling the manager "you're a dead man" I would no doubt be challenged by the law.

Arthur Livingston, I presume?

And it's probably been passed from cubicle to cubicle in the BOA world and no one has stepped up to take care of it.

Worked for big banks for years-best day of my life when I left. BOA could give two shiats that they're making life difficult for this man.

Somebody dosn't know what capitalism means.

Arthur Livingston was a good man. He will be missed.

He thinks he'll go for a walk.

Aarontology: convenience. BoA locations, and more importantly their ATMs are freaking everywhere.

So when your fully paid home is repossessed and you're declared dead and have to move into a run-down hostel full of depressed middle-aged men going through divorce, at least you'll be able to just walk down to the nearest street corner to get the last scraps of money out of your account before being stabbed in the back by a crackhead looking for a fix...

/ how convenient!

Bank of Assholes. For those who are going to be posting their "I love BoA, blah blah blah" stories, get your money out now. Something WILL happen. BoA is so large it's out of control, and their smug "we don't care" attitude runs all the way down to the part-time teller at your local branch.

/credit unions FTW

Since they've perfected practicing medicine declaring people dead, the ATMs are being converted to be minor emergency clinics which print out diagnoses and prescriptions. You insert your card for the co-pay.

GOP has a bill in the works declaring no need for any medical program by the government since this will work so well.

Aarontology: xenophon10k: Why do people do business with them? Seriously? If they bought out my bank, I'd immediately close my account.

convenience. BoA locations, and more importantly their ATMs are freaking everywhere.

Funny, no locations around here. Well, banking locations, they've got a dozen mortgage offices in this city.

My credit union has 5 branches in town, and thanks to shared branching I can do business at almost any credit union in the country if I'm traveling. They also have given me the lowest rates I've ever had on any credit card. I just checked, BofA can't top the interest rate I have on my CC with my CU (and my CU doesn't have the fees and penalty rates and "gotchas" of BofA).

With USAA I can do all my banking online and not have to set foot in a branch, and they refund money spent on ATM fees every month. I can bank and pay my bills, manage my insurance, manage an investment portfolio, even shop for a car or mortgage all online. I can even deposit checks remotely if I scan it in on my computer or take a good pic with a camera phone.

I have my paycheck direct-deposited to USAA, can withdraw money at any ATM. Can wire money between USAA and my CU for free if I need to, and if I need any service that has to be done at an in-person branch I go to my CU.

Between the two, I don't need any other financial institution. BoA can DIAF

Splinshints: at least you'll be able to just walk down to the nearest street corner to get the last scraps of money out of your account before being stabbed in the back by a crackhead looking for a fix...

/ how convenient!

Of course! Since you're already dead, you don't have to bother updating your financial records after you bleed out.

Friskya: And assuming they can find out where he's buried.

I think he was cremated.

The Job Creators love Larry.

The Job Creators feed Larry.

Why'd that dumbfark wait 2.5 years before getting a lawyer? Wait, you mean he STILL hasn't gotten a lawyer?! I think part of the problem is that this guy is stupid.

Meanwhile, Bank of America says they plan on looking into the matter and will follow up with Livingston directly.

The problem is he is dealing with the wrong agency.

Step 1. Contact the credit reporting agency by certified registered mail and request the erroneous item be removed. Record the date the mailroom received it.

Step 2. Credit reporting agency has (I think - it is spelled out in the FCRA) 30 days to have the creditor validate the information with documentation or remove the item.

Step 3. Check in 30 days to see if the item has been removed. If not, request the creditor to produce the content of the response from the creditor and the time line.

Step 4. If the time line of the response was outside the 30 days or the item was not removed within the 30 days after a timely response from the creditor, send another request by certified registered mail to have the item removed because the item was not verified per the FCRA.

Meanwhile, Bank of America says they plan on looking into the matter and would have followed up with Livingston directly, had he not been already deceased.

Although he says he's a patient man, Livingston is now at his breaking point. "My next step would be to contact an attorney and have them contact Bank of America," he said.

His mistake, unfortunately, is not having gone this route originally. BoA has demonstrated time and again that they are unable or unwilling to straighten these sorts of snafus without the threats of lawsuits.

xenophon10k: Why do people do business with them? Seriously? If they bought out my bank, I'd immediately close my account.

Not just your bank. You have no control over who owns your mortgages now a days, they are easily sold into MBS packages that BOA might pick up.

Ditto on any debt.

You're only protected if you bank guarantees to be the sole owner. Even then it's more a guideline than a rule.

Benjimin_Dover: Meanwhile, Bank of America says they plan on looking into the matter and will follow up with Livingston directly.

The problem is he is dealing with the wrong agency.

Step 1. Contact the credit reporting agency by certified registered mail and request the erroneous item be removed. Record the date the mailroom received it.

Step 2. Credit reporting agency has (I think - it is spelled out in the FCRA) 30 days to have the creditor validate the information with documentation or remove the item.

Step 3. Check in 30 days to see if the item has been removed. If not, request the creditor to produce the content of the response from the creditor and the time line.

Step 4. If the time line of the response was outside the 30 days or the item was not removed within the 30 days after a timely response from the creditor, send another request by certified registered mail to have the item removed because the item was not verified per the FCRA.


Step 5.
And/or, file an enormous defamation lawsuit. They have been made aware of the error....delay/refusal to fix their error outside of a reasonable time frame is a willful act to defame your character.

Step 6.
Profit.

Poison: And it's probably been passed from cubicle to cubicle in the BOA world and no one has stepped up to take care of it.

Worked for big banks for years-best day of my life when I left. BOA could give two shiats that they're making life difficult for this man.

Hit them with a $1 billion dollar lawsuit and they'll start caring...

Rickenbacker: Bank of Assholes. For those who are going to be posting their "I love BoA, blah blah blah" stories, get your money out now. Something WILL happen. BoA is so large it's out of control, and their smug "we don't care" attitude runs all the way down to the part-time teller at your local branch.

/credit unions FTW

Sad thing is the retail branch is just a PR front face. There's not much money to be made there, and BOA could give two shiats about it.

The scary thing is their institution investor side is just as backwards, mismanaged, and messed up. You think government is bad, you should see all the divisions CYA'ing in BOA, competing to stay funded, and basically being all honeybadger. The head has no idea what the many asses are doing.

arcas: His mistake, unfortunately, is not having gone this route originally. BoA has demonstrated time and again that they are unable or unwilling to straighten these sorts of snafus without the threats of lawsuits.

And you don't even have to actually sue them or retain a lawyer. I found just drafting up the complaint you intend to file and sending them a copy with your letter works wonders.

xenophon10k: Why do people do business with them? Seriously? If they bought out my bank, I'd immediately close my account.

I was a BOA customer. At first I loved them. My bank was polite, helpful, and actually cared about me. I moved to them after another bank locked my accounts for 3 months because THEY got my debit card number compromised because some bank exec got a laptop stolen. Ok, that's ok, but I have to eat. So I finally transferred money to BOA and they spotted me some cash as the checks cleared so that I could buy groceries. I was like,"wow that's customer service"

Two years later they raised my credit card rate 10% for no reason. I had never missed a payment. And then I started getting hit with fees for this and fees for that. The final straw was the debt card annual fee. So I went to USAA. Love their checking/savings division. Their mortgage division is run by a bunch of psychotic apes.

I got my mortgage in April 2011 from USAA and I'm already shopping around to move to another company. There is absolutely no reason to have brand loyalty anymore. Do your research and find the bank that provides the best service for product you are looking for. You don't have to do everything with the same company.

I have a hard time feeling too much sympathy for him.

BoA declared him dead, he tried to get them to fix it and they didn't.

It's been almost three farking years and he's talking to the media and saying he's considering contacting an attorney? Hell, he could have already filed suit and had his court date by now.

It's been almost three farking years and he's still a BoA customer?

The original mistake's on the bank, but everything since is on him. He's apparently the posterboy for lazy stupidity.

TyrantII: Rickenbacker: Bank of Assholes. For those who are going to be posting their "I love BoA, blah blah blah" stories, get your money out now. Something WILL happen. BoA is so large it's out of control, and their smug "we don't care" attitude runs all the way down to the part-time teller at your local branch.

/credit unions FTW

Sad thing is the retail branch is just a PR front face. There's not much money to be made there, and BOA could give two shiats about it.

The scary thing is their institution investor side is just as backwards, mismanaged, and messed up. You think government is bad, you should see all the divisions CYA'ing in BOA, competing to stay funded, and basically being all honeybadger. The head has no idea what the many asses are doing.

Very true. Large and out of control.

BoA before this article:
"Then you do make a profit for yourself," Yossarian declared.

"Of course I do. But it all goes to the syndicate. And everybody has a share. Don't you understand? It's exactly what happens with those plum tomatoes I sell to Colonel Cathcart."

"Buy," Yossarian corrected him. "You don't sell plum tomatoes to Colonel Cathcart and Colonel Korn. You buy plum tomatoes from them."

"No, sell," Milo corrected Yossarian. "I distribute my plum tomatoes in markets all over Pianosa under an assumed name so that Colonel Cathcart and Colonel Korn can buy them up from me under their assumed names at four cents apiece and sell them back to me the next day at five cents apiece. They make a profit of one cent apiece, I make a profit of three and a half cents apiece, and everybody comes out ahead."


BoA now:
"Goddammit," [Doc Daneeka] expostulated politely in an uncommon excess of exasperation, "what's the matter with you two men anyway? It just isn't right for a person to have a low temperature all the time and walk around with a stuffed nose. Just look how cold I am right now. You're sure you're not holding anything back?"

"You're dead, sir," one of his two enlisted men explained.

Doc Daneeka jerked his head up quickly with resentful distrust. "What's that?"

"You're dead, sir," repeated the other. "That's probably the reason you always feel so cold."

"That's right, sir. You've probably been dead all this time and we just didn't detect it."

"What the hell are you both talking about?"

"It's true, sir," said one of the enlisted men. "The records show that you went up in McWatt's plane to collect some flight time. You didn't come down in a parachute, so you must have been killed in the crash."

"That's right, sir," said the other. "You ought to be glad you've got any temperature at all."

Doc Daneeka's mind was reeling in confusion. "Have you both gone crazy?" he demanded. "I'm going to report this whole insubordinate incident to Sergeant Towser."

"Sergeant Towser's the one who told us about it," said either Gus or Wes. "The War Department's even going to notify your wife."

Diogenes: JustGetItRight: The original mistake's on the bank, but everything since is on him. He's apparently the posterboy for lazy stupidity.

That's what struck me, too. A month of "yeah we're looking at it" from BofA, and I would have had an attorney on the case.

Sounds to me like he wasn't aware of it until 100 days ago (or whenever he went to BoA), but even that is much too long.

More patient than I would have been. I'd have filed suit immediately. Take them for every penny that you can. They are certainly screwing you - time to repay the favor.

Something similar happened to me years ago. When I was going to college, my grandma let me on her credit card account for emergencies. When the card came, I didn't use it for a while. Then I needed books and my financial aid hadn't come through yet, so she said I could use the card and pay her back. The card didn't work. The credit card company had sent me the wrong card. It had my name on it, but it was from the wrong bank and everything. Instead of just canceling the card, for some reason they put me in as "deceased". I didn't find out until a few years later when I tried to get a loan from a bank that actually checked my credit score (I had previously always used my hometown bank for things like car loans, and they just gave me the money and never bothered to check). My new banker called me and said "Do you know you have a dead guy on your credit report? It won't give me a score." I tried getting it fixed for over a month and finally gave up. Every place I called sent me somewhere else and nobody would help me. Fortunately, in the credit world, even being dead goes away eventually. I applied for a mortgage 3 years ago and didn't have any problems. It had been over 10 years since the credit card company had declared me dead, and it had dropped off of my credit report.

//CSB

Splinshints: Aarontology: convenience. BoA locations, and more importantly their ATMs are freaking everywhere.

So when your fully paid home is repossessed and you're declared dead and have to move into a run-down hostel full of depressed middle-aged men going through divorce, at least you'll be able to just walk down to the nearest street corner to get the last scraps of money out of your account before being stabbed in the back by a crackhead looking for a fix...

/ how convenient!

Why would there be crackheads around? I thought BAC didn't do business in poor areas.

He could probably stop it himself by closing all his accounts with BofA, then going to the credit agencies. If nothing else, he doesn't give these lazy shiats any business.

MaudlinMutantMollusk: FTFA: Livingston, who has been a customer at Bank of America for the last 14 years.../i>

Well THERE'S your problem


THIS

I guess one way to fix it would be to empty a fire extinguisher in one of their branches.

"You can't prosecute me. You have me down as dead'

FTA - "Livingston, who has been a customer at Bank of America for the last 14 years, says he now feels like his life is on hold."

hmmmmm......took them 14 years to fsck him over. Took only 13 for me. They're slacking

/xferred mortgage, 2 car notes, 4 accounts from BOA over 6 overdrafts that were not my fault. What morons.

"You take one nap in a ditch and they start declaring you this and that."