As much as I'd like to say that I'm a happy-go-lucky kind of girl, let's just admit it that I'm not. I'm uptight, easily annoyed and generally a "glass half empty" kind of person. I trust no one.
Remember how we signed for our refinance over a week ago? That would be March 12. It was supposed to be effective March 17.
Imagine my dismay/horror when I got into my B of A online account (remember, that one I didn't want) & see that the old loan is still there with the same balance as a week ago.
I call and go through this horrid automated system where you have to say your option. Unfortunately, there's no option: "I paid off this loan and you idiots still show that I owe half a million, you idiots, you idiots, you idiots." Get a lady who says that they didn't receive payment & I need to call escrow.
Then I call escrow, who says they MAILED a check on Wednesday via Overnight UPS. Who in the heck MAILS a freaking check for half a million dollars? Isn't that why we have escrow so these things can be freaking WIRED instantly??????? I may or may not have given such an incredulous response to being told that the funds were MAILED. Okay, you read this blog, you must know what I said. I take down the tracking number.
Then I call B of A (which should be called P in the A). Go through the horrid automated system again, get transferred around to 3 people. Finally get Tony in the payoff department. I come to my first success of the day ****They also have record of receiving the envelope.**** Great, can you credit my account and close out this thing?
Nope, we don't have the check. The check is missing. "We'll look for it."
So, folks, there you have it. How many times have I said I hate B of A? About a zillion. And the final nail in the coffin is that they have lost half a million. And they are just waiting for it to turn up. Like one would wait for paint to dry or a tulip to bloom.
Meanwhile, I'm ready to throttle both the escrow company and B of A (errr...P in the A).