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So there. NYAH!
Yes, this is the level I have been reduced to. I've regressed to five years old, on the playground. I would tug on their ponytail if they had one.
<sigh>
So, previously on As the Insurance Turns...
I was sick on Friday and did not come to work, but I had a message from my local ALFA agent when I arrived at work this morning. I called him back. He informed me that HSBC (my old mortgage lender) cashed the check that was refunded to them, and which was supposed to have been returned (for what reason I still do not know) to Pentagon Federal Credit Union (PenFed). The total amount was $528.
Got all that? :)
He suggested that I pay the owed amount and then they'd deal with getting it all straightened out later. I said, "No. This is not something I caused, and I will not pay one red cent. Nor will you cancel my policy. This is ALFA's fault, not mine."
So. I began today's journey with a call to Pentagon Federal. Just to check to see what their records say.
They paid in May, then sent the supplementary payment of $131 that started this whole, misguided saga in June.
That was the last money they sent. They have received no other requests for payment from escrow.
Okay. So I next called HSBC. I gave them my old loan number (I still remember it by heart, oddly enough) and explained the situation to the nice Indian lady who it must be pointed out did not try to convince me her name was Sally, but which I didn't get because she said whatever it was too fast. She looked up the account and informed me that there had been two "refund" checks sent to me in the last year: One in "Jan of two tousan ten" and one in July. Aha! "July? What was the amount of the one in July?"
"$519."
Not $528. Still, it was within $9. I thanked her for the information.
Next, I decided to beard the lion in his den and called ALFA's home office. I spoke with the rudest, most unhelpful person I've ever had the displeasure of talking to at ALFA. Normally, they're very nice, or at least tolerant. This woman was...well, just rude. She was just put out by the fact that I didn't know my policy number by heart and that she had to actually look up my information. Lots of heavy sighs and muttering. Eventually, she forwarded me to the underwriters.
I spoke with a very nice woman, there, whom I will call "Meredith." (Again, I've never spoken to the same person twice unless I specifically asked for them. Maybe ALFA's kind of a big company or something, huh?1 :)
I explained the whole situation—in detail—and gave her the information that I had from PenFed and HSBC as well as my local agent, whom I'll call "Mark." Meredith could not pull up all of the information and said it would take some research, but that she would call me back.
In particular, I want to know why the refund was sent to HSBC. Not sent to HSBC—because I get that: they had the wrong mortgage company in their computer system—but sent to HSBC. At all. I mean, they were waiting on money from PenFed for my account, received it...and sent it back to the wrong people. Plus some more. So the original $131 plus another $397 that remains unaccounted for in my book.
So I get to go home today and root through my unopened mail (I pay everything online, so unless there's a problem of some sort, I don't usually open bills. Especially mail from a mortgage company I no longer do business with. Why would I? Apparently, I'll have to change that, thanks to ALFA. <heavy, heavy sigh>) looking for envelopes from HSBC. And then I'll have to deposit that and mail a personal check for that amount to Mark, then Mark has to...yadda yadda blah blah blah. I just don't care anymore. And if there is a $9 discrepancy and they want to cancel my policy over their own fuck-up... There's not a lawyer in Georgia who would take my case, dammit. And it's not worth the amount of money I'd have to pay to get no satisfaction. But oooooh it would feel so good to sue them. And I'm not even litigious at all. But don't you think this has gone on far too long as it is?
I just want this over with. And then, as I said, they are fired, and I can move forward with Geico (probably).
I'm sure there'll be another chapter. Stay tuned next time for As the Insurance Turns.
Yes, this is the level I have been reduced to. I've regressed to five years old, on the playground. I would tug on their ponytail if they had one.
<sigh>
So, previously on As the Insurance Turns...
I was sick on Friday and did not come to work, but I had a message from my local ALFA agent when I arrived at work this morning. I called him back. He informed me that HSBC (my old mortgage lender) cashed the check that was refunded to them, and which was supposed to have been returned (for what reason I still do not know) to Pentagon Federal Credit Union (PenFed). The total amount was $528.
Got all that? :)
He suggested that I pay the owed amount and then they'd deal with getting it all straightened out later. I said, "No. This is not something I caused, and I will not pay one red cent. Nor will you cancel my policy. This is ALFA's fault, not mine."
So. I began today's journey with a call to Pentagon Federal. Just to check to see what their records say.
They paid in May, then sent the supplementary payment of $131 that started this whole, misguided saga in June.
That was the last money they sent. They have received no other requests for payment from escrow.
Okay. So I next called HSBC. I gave them my old loan number (I still remember it by heart, oddly enough) and explained the situation to the nice Indian lady who it must be pointed out did not try to convince me her name was Sally, but which I didn't get because she said whatever it was too fast. She looked up the account and informed me that there had been two "refund" checks sent to me in the last year: One in "Jan of two tousan ten" and one in July. Aha! "July? What was the amount of the one in July?"
"$519."
Not $528. Still, it was within $9. I thanked her for the information.
Next, I decided to beard the lion in his den and called ALFA's home office. I spoke with the rudest, most unhelpful person I've ever had the displeasure of talking to at ALFA. Normally, they're very nice, or at least tolerant. This woman was...well, just rude. She was just put out by the fact that I didn't know my policy number by heart and that she had to actually look up my information. Lots of heavy sighs and muttering. Eventually, she forwarded me to the underwriters.
I spoke with a very nice woman, there, whom I will call "Meredith." (Again, I've never spoken to the same person twice unless I specifically asked for them. Maybe ALFA's kind of a big company or something, huh?1 :)
I explained the whole situation—in detail—and gave her the information that I had from PenFed and HSBC as well as my local agent, whom I'll call "Mark." Meredith could not pull up all of the information and said it would take some research, but that she would call me back.
In particular, I want to know why the refund was sent to HSBC. Not sent to HSBC—because I get that: they had the wrong mortgage company in their computer system—but sent to HSBC. At all. I mean, they were waiting on money from PenFed for my account, received it...and sent it back to the wrong people. Plus some more. So the original $131 plus another $397 that remains unaccounted for in my book.
So I get to go home today and root through my unopened mail (I pay everything online, so unless there's a problem of some sort, I don't usually open bills. Especially mail from a mortgage company I no longer do business with. Why would I? Apparently, I'll have to change that, thanks to ALFA. <heavy, heavy sigh>) looking for envelopes from HSBC. And then I'll have to deposit that and mail a personal check for that amount to Mark, then Mark has to...yadda yadda blah blah blah. I just don't care anymore. And if there is a $9 discrepancy and they want to cancel my policy over their own fuck-up... There's not a lawyer in Georgia who would take my case, dammit. And it's not worth the amount of money I'd have to pay to get no satisfaction. But oooooh it would feel so good to sue them. And I'm not even litigious at all. But don't you think this has gone on far too long as it is?
I just want this over with. And then, as I said, they are fired, and I can move forward with Geico (probably).
I'm sure there'll be another chapter. Stay tuned next time for As the Insurance Turns.
- Which, by the way, is that makes this so infuriating. I could understand if maybe ALFA was a mom & pop Insurance R Us type of place, barely making it in competition with the big guys...but ALFA is the big guys.2 And they should have computer systems that link up better than they apparently do. I'm willing to bet that all of this was caused because someone, somewhere, in a remote office keyed in something wrong (probably back in 2007, when this all started) and I was the lucky person who got shafted.
- More like the medium guys, actually. They were worth about a half-billion back in 1998, and I can't3 find much on them recently.
- Okay, it's less "can't" and more "don't want to waste any more of my time than is absolutely necessary dealing with this for one nanosecond more than I absolutely have to."
no subject
I am so sorry you are having to deal with these incompetent nitwits.