I would like to begin by stating, I live in California and my parents reside (n) in Vermont.
Our mom and dad had a mortgage with Citizens Bank. My father died 10/23/10 and my mom was within the clinic. I had been in Vermont assisting with issues in those days.
Citizens Bank called about cost, I described the problem (which my mom could be dealing with her monetary company when she got from the clinic). I wrote the check-out and had my mom sign it. All was correct using the earth again.
I returned to California in late December, but reserved a trip back again to Vermont, as my mom was still within the clinic after I quit and that I sensed I had a need to get Energy of Lawyer and dominate her expenses till she was greater.
Unfortunately, after having flown my mom right down to California (together with her cash) and so I might take care of her in my own house, my mom died 1/23. I'd to come back north to set up on her memorial and begin the paperwork to become executor to her property.
I approached the folks that must be approached and described the problem. Everybody was knowing and supportive. Nevertheless, your day after I approached Individuals Bank an extremely rude lady named requesting, first my father, after which my mother. It had been Citizens Bank. I really could not think these folks! Despite I informed her the problem, she was rough and rude. She explained to send the death records and executor paperwork the moment I had been called.
After returning home, my cousin, who lives in the future from my guardian's residence and prevents infrequently, named to inform me on 2/25 that People Bank named and that I had a need to contact them. I did so and talked at excellent duration with Shayla, who explained to send equally death records, my driver's permit, my contact info, along with a notice asking what I will do to maintain the consideration in excellent position before paperwork gets through the surfaces (how customer-friendly is the fact that!?!). I did so all that on 2/25.
Fortunately, I'd obtained a check from my momis insurance and could spend all of the expenses due (I'm still awaiting the courtroom to mention me executor).
I settled Citizens Bankis Feb cost (due the 10th) and Marchis cost on 3/4.
Recently, 3/7, I receive two letters from Citizens Bank, one addressed just to my dad and one addressed to both my parents demanding they contact them within 10 days of the date of letter (dated 2/28, mailed 3/1) or they would turn the account over to a collection company! Our mom and dad never settled these folks overdue and also have $8000 in another of their regional divisions. It was not such as this was an issue consideration... And of course the truth that I'd voiced to varied people there detailing the problem AND sent anything their worker requested me to send
Obviously, I named them in a trend. Used to do not contact the amount about the intimidating notice, because it is their Customer Counseling Dept. And that I didn't require support with spending my expenses... Though I'll possibly require guidance after coping with these inept buffoons.
After calling and linking with their automatic support, I'd to set up my dadis social protection amount so that they might "better assist me" and waited for, “The next available representative”. Lynn was finally available.
I informed her I needed to consult with a boss. She required the bill number I had been calling about... Cheers for helping me better. I gave it to her and he or she mentioned she'd have a look in the consideration. I informed her number, that I needed to talk to a boss for that factors outlined above.
After some backwards and forwards, she stated she had a need to link me towards the 'proper' division and questioned what type of mortgage it had been coping with (did she not only obtain the bill number?!?)... I told her it had been a mortgage. She moved me to Denise... Within the Client Guidance Department
Denise required the bill number, that we gave her. I informed her used to donot have to talk to somebody about something apart from the truth that I'd informed them numerous occasions within the telephone of the problem and had actually sent total the items in the above list and today I simply wished to talk to somebody concerning the intimidating characters and ineptitude of the lender. We'd several more back and forths.
Denise then explained that they'd obtained the faxed death records... To which I replied that I understood that, that was not the purpose and that I needed to talk to a boss concerning the issues in the above list. She subsequently abandoned me to inform me they'd obtained cost (that we had previously informed her I'd compensated using the insurance cash); I again went over why I had been calling so when she abandoned me the Next period, I eventually screamed at her... Requesting her what section of, I am aware they obtained the death records and funds which I simply wished to talk to a boss, did she not comprehend?!?
Finally, and extremely condescendingly, she decided to get one; requesting many times easily might mind being placed on store... Every time I informed her that might be good so long as I'd be talking to a boss.
After about five minutes, Ms. Jennifer occurs the point and shows me that I've approached the incorrect division... To that we tell her, "No, among your workers moved me below!" She then informs me this may be the car loan division (but, Denise explained it had been the Client Guidance Department?!?) and she'd have to move me towards the mortgage division and also to please bear together with her and he or she might provide me that quantity aswell, just in case I had a need to call-back.
She was stumbling over himself since she was laying through her tooth... And, after more hemming and hawing, begins to provide mean 800 number, that we completed on her since it was the number I'd named originally... She subsequently dismissed what I'd stated and requested to place me on-hold to obtain the number.
While she returned towards the telephone, she offered mean 877 quantity (877-754-7366) and was mumbling something about everybody still believes this division handles all loans... An email have been sent, but she suspected not everybody had read their e-mail... To that we replied that which was why I had been calling... info directed at that lender appears to fall under a dark hole.
She then informs me she'll move me towards the proper division.
I am on-hold again awaiting, "the following available consultant". Lastly Donna solutions. She requests the bill number. I comfortably offer her the account number, my title, which I am calling about my dead parent's consideration. I also advise her that I've previously voiced to Lynn, Denise, and Ms. Jennifer in addition to numerous additional workers on various events and that I am simply attempting to keep in touch with a boss. She asks easily may confirm who I'm giving her my house address, telephone number, and last 4 of my social protection. I tell her I've sent all that info for them and he or she ought to be ready to determine my guardianis death records and the rest of the issues I sent and also to place a boss about the telephone. She then claims she'd the same as to obtain a few items of... I ultimately simply informed her that I'd contact my attorney and hungup.
I've not handled one worker there that offered me the assurance I had been coping with an expert company. They're a waste of room so that as quickly because the executor paperwork comes through, we're paying down the mortgage and tugging all my guardianis cash out-of their lender.
I will just wish my parents covered the mortgage against their demise... That might describe why they're therefore wanting to place financing that's experienced exceptional standing right into a delinquent standing to get a cost 15 days late.
Update: I simply obtained another notice today, dated 3/1, addressed to my father stating, “This letter shall confirm that your recent Name Change request has been received and submitted for running...” What's incorrect with one of these individuals?!?
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