How does one deal with a company which has bad customer service?

 

 

 

Someone I know lost her mom during Covid.  She now has a problem caused by a business who, after 2 attempts to get the problem resolved, still can't get things right.  In fact, the firm's representative suggested that my friend break the law to get it resolved.  AARGH!!!!

 

But first....

 

The problem started when my friend's mom overpaid the premiums on an insurance policy.  This would not normally be a problem, as eventually the over payment would be refunded to the customer.  However, the customer died during the pandemic.  Sometime late last year, the insurance company sent a notice to the wrong address for this woman, and the woman's granddaughter passed the notice on to my friend along with a refund check addressed to my friend's mother. My friend now had a dilemma.  The estate was closed out several years ago.  There was no bank account in which the check could be deposited and funds passed through to the woman's heirs.  How should she proceed to get this money? 

 

My friend's first task was to find out exactly who to contact in the insurance company.  This was the first layer of the problem.  Many companies issue checks from an entity holding a different corporate name than the entity with which one did business.  (Think of private label credit cards - a credit card issued with the Exxon, Sunoco, Shell or other fuel companies might send its refund checks with a Citibank payer name on the check.) In my friend's case, this was harder than it should have been for her.

 

The next layer of the problem was that the customer service number wasn't geared for payee problems.  It was geared for collection problems - their focus was on collecting money from people who were late on their payments, not on those that the company paid money to.  Yet, through perseverance, my friend was able to reach someone in customer service.  She explained the situation to someone in a foreign call center, and was told to submit proof of her mother's death and proof that she was the executor of the estate - which she did. 

 

Several weeks later, my friend received a check.  When my friend looked at the check, it was made out to be paid to her mother.  She called the company back and got someone who could barely speak English and was likely to be making things up on the fly to keep my friend happy.  My friend explained the problem, and the woman at the other side of the line told my friend - pretend you are your mom and cash the check.  The customer center suggested that my friend commit a crime to get the money that should be paid to her.  This was a ludicrous suggestion, and my friend insisted that the problem be fixed properly by issuing a check with my friend's name on it.  The call center lady "agreed" and said that a new check would be sent out shortly.

 

Another few weeks went by, and my friend received a second check.  And again, the check was issued to her mom.  So again, my friend made a call to the company and reached another person.  Again, the foreign call center suggested that she cash the check, and she refused.  This time, she led the call center fellow through the situation and got him to state who the check would be made out to (my friend's name).  This time, my friend thought the problem would be resolved and forgot about it for a while.

 

Still, another few weeks went by.  When my friend returned home after a long weekend, she found another check in her mailbox.  Opening up the envelope, she again found a check - again with her mom's name. Now, my friend became royally pissed off.  What should she do now?

 

I suggested that she talk to a lawyer (she has one in her family) as well as contact Elliot Advocacy.  Another friend suggested that she go to her bank and ask what to do.  Hopefully, she will get an answer she needs and finally get this problem resolved once and for all....   

 

 

 

 

 

  

It's amazing where one finds evidence of trans people

 

I love this computer generated image of me as an action figure.  It truly reflects the life I wish I could have lived.  I'd have felt good about myself, and it would have shown in my face and my smile.  However, I didn't live this life - all because of a tiny chromosome.

Why did I mention this?

Today, I went to the bank to get some CDs renewed for the Co-Op, and to get some papers notarized for claiming Unclaimed Funds from New York State.  When I sat down with one of the branch officers, our chit chat turned to second citizenship.  She is trying to get citizenship for herself and her child in one EU country by birthright, and I'm doing the same with another country. Since the uncertainty of American politics came up, she felt safe in mentioning that her son is transgender, going on hormones at the age of 18.  Luckily, his US passport expires in 8 years, and we hope this this hateful regime is gone by then.  If not, she and her son will go to Canada.  As for me, I will go to Europe, and settle in a country with a low cost of living.

There are more of us out there than most people know.  Now is the find each other before any pogroms start.  Once/if they do, we will need the help of others sympathetic to our needs to get out of Dodge before sundown.....

A visit to the bank and a feast at home

 

As I am one of two people who have signatory powers for the co-op, I was expected to meet the board's president at the bank for whatever tasks were needed as we transfer our operating account from one bank to another, one management company to another.  Since I am only known to the bank as Mario, this determined how I'd dress for the rest of the day.  (The cold weather outside reinforced the decision to dress in Mario mode today as well.)

Around 11 am, I arrived at the bank, and found that our president had mostly completed work at the bank.  All that was left for me was to email a copy of a form to the new managing agent, and to collect reimbursement money for renewing our Zoom account.  And then, we were done.  Now, it was time to rest until I had to pick RQS up at the train station.

At 3:45 pm, I picked RQS up at the station, and then we took a drive to Yorktown and Uncle Giuseppe's.  (Uncle Giuseppe's is an Italian Specialty supermarket with locations in the NYC suburbs.)  Unlike Trader Joe's, where I have a hard time breaking $50 in a typical visit, I broke $100 at Uncle Giuseppe's on this visit.  And this visit only resulted in less than 2 supping bags worth of food.  At least, we got our meal for the night - Zuppa de Pesce. Our next stop was at the Foodtown, where I only wanted to pick up some fresh pasta that I forgot at our prior stop.  And that's where RQS accidentally flushed ker keys down the toilet.  Now, that forced us to get some keys cut sometime this weekend.  

We finally got home and relaxed before I started to prepare dinner - and it was tasty.  Both RQS and I enjoyed our meal and the dessert we had afterwards.  But now, we had another thing to take care of this weekend....

Zooming with friends - a short post

 

I don't have too much to say today....

This morning I got up for a morning appointment, then went home for a nap.  By the time I was conscious again, it was 3 pm and I had to get ready for a zoom meeting with my friends from Texas.

Now, I really wasn't in the mood to talk much today, as my mind is preoccupied by my upcoming cruise.  So, I stalled in getting ready, but got dressed as Marian a little before 6 pm, and went down to the local pizzeria to get something good to eat.  On the way down, I refreshed my money supply, so that I'd have extra spending money for the week.  While driving, I called LK to confirm tomorrow's lunch - and this ended up being a no-go.  She is (as expected) occupied by her children, and unable to handle visitors.  I was a little disappointed, but not enough to be depressed.  LK tends to let life get in the way of her plans, and I guess she will always be doing this.  (At least, she has a life....)

Once done with dinner, I went back to the house to start the zoom meeting with my friends from Texas.  Both my friends came on, as well as RQS - our usual foursome.  It was nice to chat with everyone again.  But I know I was flagging, as I'm still dealing with my lack of sleep last night.  Hopefully, I'll be able to get up early tomorrow, so that I can get a lot of tasks done to prepare for the cruise.

A nothing much to say day....

Today was a day where I did a lot of nothing, except to relax....

There was only one thing on my docket today, and that was to being RQS back to the station.  Yes, I picked up a couple of books from the library, but I could have done that tomorrow.  As it stands, I'll still have to make another run out tomorrow, as I have to order some foreign currency from the bank.

With the above being said, I planned to go out as Marian after getting a couple of things done.  But then, I had some GI Tract issues, and rested for the remainder of the day.  Of course, I got nothing done.  But I will take care of things such as laundry tomorrow before I go out.

Soon, I'll have to start packing for my upcoming cruise.  Since this will be a long distance trip, I will need to be sure that I have enough clothing to put in the laundry onboard the ship.  (I'd hate to spend $9.00/load for a small load.)  Once my large suitcase is packed, I'll bring it to RQS's place, so that I can be ready the night before our trip.  Luckily, I have two weeks to get this task done.

Before then, I intend to spend as much time as possible in Marian mode, as I'll be stuck as Mario for two weeks straight....
 

An evening with DCD

 

DCD is a strange person.  He doesn't always learn from his past, and he makes the same type of mistakes over and over again.  Tonight was a typical example of dealing with him....

- - - - - -

I met DCD at a New Rochelle diner a little after he completed work for the day.  When he arrived, he started to tell me what was going on in his life, and I mentioned that his present situation with his girlfriend is similar to where I was with Ex-GF-M over 10 years ago.  His girlfriend is addicted to tobacco and alcohol, and wants DCD to participate in the addiction triangle: Person A, Person B, and the Addiction.  Whether or not Person B is addicted or not, Person B's behavior will either be that of participating in an addiction, or trying to deal with Person A's addiction.  DCD is the latter type.

I'm not saying that DCD has his act together.  He doesn't pay attention to advice given to him by well meaning friends, nor does he car about things such as payment instructions.  We chatted a little about Zelle and I mentioned that I don't use it because it has become a hacker's paradise.  Once a hacker is able to get into your account via Zelle fraud, the banks have a nasty habit of saying that your money is lost forever.  Yet, when we finished our meal, DCD didn't ask me how I wanted to get paid - he sent me money via Zelle!  This pissed me off!!!!  I planned to take the advice given by Clark Howard (Clark.com), and avoid the use of Zelle to protect myself from scams.  And now, I had to use it to receive money from DCD!  AARGH!!!!!  (No wonder why his relationships fail - he doesn't pay attention to any important messages from anyone.)  Luckily, I don't have any banking apps on my phone, and avoid them like the plague.  I prefer to use my PC or Chromebook for financial transactions, and was able to use one of my lesser bank relationships to receive DCD's money.

When I asked DCD why he uses Zelle, he mentioned that he doesn't like "float".  What he did wasn't related to float.  Instead, it was related to his record keeping - he doesn't want to worry about whether a check has cleared or not - if he does a small value payment via Zelle, the money has left his account and his account inquiry always shows a current balance.  (One the way home, I mentioned this to RQS, and she said that DCD will continue doing things his own way, and not care about what others say to him in regard to their interactions with him.)

I'll end up seeing DCD again on Friday, if only to hand him paperwork for the car.  Hopefully, he won't screw things up, as I want the car out of my driveway within the next 2 1/2 weeks.

A dreary day where I had to stay in the neighborhood

 

I had 2 things I had to take care of today (Friday), and both went in directions I couldn't expect.  Both of them required me to present as a male, and I couldn't wait to get back in my dresses again.  One problem, I won't feel comfortable being in a dress until I have a wallet I am comfortable carrying again....

- - - - - -

The first thing on my docket was transferring money for the co-op, so that we could begin work on a long needed project.  However, I didn't have a good way to prove my identity without a legal ID with a picture on it.  How could I make the transfer without photo ID to prove who I am?  Well, the teller was sharp, and understood the problem.  Since my personal account is with the same bank, they could look up my cell phone number and text me.  One problem - my cell phone has problems receiving signal in some buildings.  Again, the teller came to the rescue - the bank's guest Wi-Fi.  Finally, I could make the transfer - but I made it to the wrong account.  (Guess where I am going tomorrow morning - three guesses, first two don't count.)  AARGH!

Next was waiting for the furniture delivery people to arrive and replace my old sofa.  They came on time, and found that my problem was caused by the first delivery people screwing up the setup - they couldn't plug in the final connector to get the recliner mechanism working.  But these guys did, and I didn't need a new sofa after all.

At this point, I took a nap.  

Later on, I looked for furniture sliders for carpets, but didn't find them in the stores.  Yes, I know that I should have found them.  But it's another item I'll be ordering from Amazon soon.  (It's amazing how much business I give them each month.  But it's better than dealing with Walmart.)  The one thing I'll miss about shopping is that I no longer have my (altered by me) BJ's card which listed my name as Marian and had my female image.  Sooner or later, I'll have to find a way to get a card in my female name....