As you all know, I am working away from home this month. Our out of town offices are located in a building also occupied by a major bank. To avoid google-ability, we will call it Chafe Bank. If it were my previous bank (Last Merit), I wouldn't care if people found my rant, since their service sucked. But I actually rather like Chafe Bank, other than this one particular issue.
I bought my car in March of 2010. At that time, Adriana was a mere 5 months old, we were closing on our house, I was starting a new role at work, and I was working on my MBA. I was freaking busy. So busy, in fact, that when I tried to set up autopay for my car loan and realized they set up the account under the wrong social security number (after many, many, MANY minutes on the phone with many, many, MANY individuals), I didn't really do anything about it. Fixing it required Chafe sending a claim form to my house, and me copying and faxing a bunch of information to them. I am TERRIBLE with mail, and work faxes are all used by tons of people so I'm not a big fan of using them for personal reasons. I figured I would have Chafe automatically deduct my monthly auto loan payment from my Chafe checking account, and I'd fix the account information later, in person.
One baby, one degree, and craploads to do for work later, and it's still not fixed. However, my trek to the hearing room (the purpose of these work travels) takes me through the lobby of Chafe bank on a daily basis, so I decided to take care of it over lunch. And, uh, get a new copy of our joint debit card, which has been missing for like 8 months.
The dude was able to get me a new debit card under the same number as my previous card, which was awesome because we have tons of accounts tied to that number and the thought of fixing them all was the very thing preventing me from getting a new card for the better part of a year.
The dude was NOT able to fix the social security card thing, despite the fact that I a) have a valid license, proving my identity, b) have several other accounts with Chafe, which have the correct social security number, c) told him my accurate social security number, and the one-digit-off number that my auto loan was under, d) verified the day of the month and the amount that is deducted from my checking account to pay for the loan, e) verified a ballpark number left on the loan (but pointed out that I can't see my statements, since I can't access the account online), f) verified the make and model of the car, and g) verified the address we lived in when I bought the car (frying a few valuable brain cells in the process). Oh, and h) my real last name is uncommon.
They need my actual social security card to change the account.
Bitch, please. Do you think that if I were the kind of upstanding citizen who knows where their social security card is, I would have waited TWO YEARS to stop improving the credit of the lucky bastard with the social security number one off from mine?
So now I get to go through the painful process of getting a replacement social security card to bring to Chafe to fix a mistake that they ACKNOWLEDGE they made, and that really makes not a lick of difference to me on a day to day basis.
This right here is EXACTLY why I procrastinate. I am so freaking sick of all of the minutes of my life wasted on things that COULD be an easy fix, but instead take HOURS over multiple DAYS. I can walk into Chafe and get a new copy of a debit card with the SAME ACCOUNT NUMBER by showing nothing more than my license, but they can't use the same ID to fix my account information for a loan. What exactly do they think I'm doing? Going around paying for other people's car loans just for kicks?
This whole situation chafes me.