Showing posts with label banks. Show all posts
Showing posts with label banks. Show all posts

Tuesday, December 25, 2007

Christmas Day

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I have been reading the book We Need to Talk About Kevin by Lionel Shriver. In spite of the author’s name, it is a woman. The book won the Orange Award for Literature in 2005. We picked up the book in South Africa last year, but I never got around to reading it. Ron had and strongly urged me to read it soon. Well I finished last night before going trying to find the Sandman. However, my mind was in a tidal wave of thoughts about ATM cards, credit cards, worrying about cash if the hotel could not get our card to work, running out of money before our trip is over, which is really quite ironic. For the first time ever, we have enough cash in our accounts to cover this trip in its entirety without having to use credit cards at all. However, with Bank of America putting a stop on my ATM card and our Hungarian bank’s ATM not working, we are having to struggle with the cash on hand. Ron’s card has worked once. As a last resort, we will try his again, but the sadist/masochist duality in me does not want to draw money from that account. After all, we have over 3,000 Euros sitting in a bank in Hungary waiting to be drawn on for this trip, so I really don’t see the reason we should pay Bank of America $5.00 for every withdrawal PLUS their currency conversion fee on top of it. With these boil, boil, toil, and trouble thoughts, sleep was elusive. When it finally arrived, my slumbering nightmares were about school shootings and watching someone prepare for the next one. This is Kevin’s fault or rather Ms. Shriver’s. She is solely responsible for these transmissions into my subconscious, because for certain if they were mine, I would be lining up bankers, not innocent school children.

Knowing that Santa did not find us, there was no real motivation to crawl out of bed when the alarm went off other than knowing Ron rested well and had his heart set on more explorations. He was sweet enough to go the Italy for coffee and pastries while I showered and dragged myself together.

As soon as we reached the lobby, we told the desk we wanted to pay our bill. If we had to arrange for money, we wanted to know if they were going to have issues with our card also. It went through like a charm, averting one cardiac arrest. When I explained to the desk clerk our problem with the restaurant last night, she explained they had a chip reader also, but were trained in the other method also for instances like this. She claims there is no reason why the restaurant should not have been able to run our card. We are having to leave here at 3:30 am to take a taxi to the airport in KL for an Air Asia flight at 7:00 am. If I did not have enough material to produce a trilogy of full length nightmare movies, here is an added bonus. Air Asia has a luggage weight limit of 15 kg. When we left Vienna, my carry on, which did have the bulk of our clothes and six books was weighing in at 42 kg. We have dumped things, have not purchased a thing that has not been consumable, and hopefully they will know how to run a credit card machine to charge us for the excess baggage. There is nothing left to leave behind.

Being conscientious, we went straight to a money changer and converted more Euros and then on to Libra, the restaurant we owed the money to clearing ourselves of debt. It was 11:30 am, but they were not open for the lunch trade. Ringing the bell and pounding on the door did not produce any results either. We knew there was a historic mosque in the area, so we hunted it down and found it on Harmony Road. This road is so aptly named because there is a mosque, a Buddhist temple and a Hindu shrine with two blocks. When we were in Thailand, the Buddhist temples really spoke to my soul, but there is something about a Hindu temple that speaks to my imagination. This one in particular was dedicated to Ganesh, the elephant headed god. When I started to take a picture of a small Ganesh statue, a monk ran up to me waving his hands. I said “No pictures”, but without responding he placed a lei of flowers around Ganesh’s adequate neck and then signaled that now he was ready for his close-up.

Ron being the ever optimist, we went back to try out the other hop-on hop-off bus to see if we could get to the Portuguese neighborhood, though I reminded him that most likely they were all Catholic and nothing would be open. We entered the bus for two Ringgits for an all day ticket. We did the full circuit taking close to two hours of our time, touring neighborhoods reminding me of the time I lost my way in NYC and ended up in Harlem, back in the early 70s. We never did get close to the area of the city Ron wanted to see, so we let it go and returned to our starting point.

Again, we tried Libra to pay our outstanding bill, but still at 3:30 the place was closed tight. The neighboring business was open and when I questioned him, he said they would open at 5:30. He then asked if he could help and when I told him why we were insistent on finding someone, he called the manager for us. We arranged to leave the money with the neighbor. Cynically, I will now have to monitor Ron’s charge card to make sure that charge did not actually go through. We stopped at the Geographer’s Café for a beer where Christmas carols were BLASTING. I really cannot take it seriously hearing “I Am Dreaming of a White Christmas” when Ron and I are the whitest things around. “The Twelve Days of Christmas” and “Jingle Bells” are unnerving also in this environment. Perhaps they don’t play “I Saw Mommy Kissing Santa Claus” because of moral issues; hmmm…I wonder.

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Tuesday, December 18, 2007

Mile High

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Getting through Customs and Passport Control was relatively easy and swift. We were advised to use the ATM machine inside the luggage area. There is only one machine and it was not spitting out any cash for anyone. Once we were through the doors, throngs of taxi drivers bombarded all of the passengers with offers of rides, but we only wanted the ATM machine. My second nightmare was about to come to fruition. I tried my Euro card from our Hungary bank. It would not work with the message “Sorry, we are temporarily unable to complete this request”. Okay, fine, I used my California account ATM card, but the same story. We then tried another bank’s machine with the same results. I started to panic. We were relying on using ATMs while we were away. The third machine was the same issue yet again, but we watched others leave the machines hopelessly as poor as they approached them, so it could not be us. We went to a money exchange and changed enough cash for a taxi.

People bombard you with advice on which taxi to take and it is supposed to be a set rate, but amazingly it is not. We finally agreed on a price of 90 RM for our ride, climbed in and off we drove. They drive on the same side as the British and since this was part of the colony until only fifty years ago, this makes sense. The driver drove, we slept, he drove some more and we slept some more. Two and a half hours later, we arrived a block from our hotel. Still feeling drugged, not fully coherent, he told us that our hotel was a half block away, but cars were not allowed down the street. In our hazed awareness, it seemed like we were in the middle of an evacuation plan for a city, surrounded by unbelievable crowds. The mobs of people surrounding us were overwhelming. The smells, the colors, the sounds were sensory overload at high speed.

We checked into the China Town Hotel 2 and were asked for the full payment. We had to kindly plea for more time explaining the dilemma with the ATM machines at the airport. The problem continued a block away from the hotel. I know I have the correct PIN code for our Euro account, though our bank has been bought out by another bank. When I called them before leaving, they assured me the card would be good until January 1st. Due to the time needed, I did not bother going to get a replacement card. Our CA account, I have no idea what is happening with that, but it is Bank of America and I have had nothing but problems with them this year. Strangely, Ron tried his card and it worked fine. At least we will not have to get advances from credit cards. The hotels do not take plastic.

First impressions of Kuala Lumpur: overcrowded, dirty, polluted, high tech, bustling to the point of ridiculousness, rainbow of color in the skin of people and the clothes they wear. I keep asking myself where the beautiful sights they had on their television commercials that state “Malaysia, Truly Asia” and have all of the magnificent scenery. It certainly was not this city. Perhaps it is jet lag, it is seven hours ahead of Budapest, or it is possibly just not enough preparation, but I keep asking myself why we are here.

We keep returning to our hotel situated in the heart of the China Town area. We have napped a great deal; it is easy to do since our room has no windows. The only light when everything is turned off is what leaks from under the door from the hallway. We only have this room for two nights. Ron was assured by the Lonely Planet guide swearing that you should only book a couple of nights and then find the rest when you are on the ground.

By 10:30, we are ready to call it quits and actually sleep restfully for the night to get on track with the time change. The alarm is set for 8:30 am.

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Saturday, August 25, 2007

Bank of America Collect

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After my experience with the Bank of America collect phone numbers a few days ago, I went right to Jajah to make the call to find out why my PIN is not working. Not only can you not make toll-free calls from Europe, Jajah would not accept them either. Call the regular number, get through, get put on hold, wait, wait, wait, "Your call is important to us, please stay on the line." If my call is so important, why don't you have someone answering it sooner? Even if Jajah is cheap, I don't like using all of my credit on one call while on hold. Just as I am about to hang up, I get a person asking for my credit card number. I am not calling about a credit card, but an ATM card. "Which bank?" Duh!! I called the number on the back of my Bank of America card, that should be a no brainer. Bank of America!! "I will have to transfer you to someone in the ATM division. Click, music, hold. Wait, wait, wait. Ten minutes pass. Getting ready to hang up again, "Hello, my name is Sherry, how can I help you?" I tell Sherry about the new card, the assurances that nothing has changed and now I cannot access my money. "I am so sorry to hear that, we will fix that right away." Well Sherry, I sorry to make you sorry. I hope you are not going to lose sleep over this tonight. Sherry is working away and I can hear her typing, then beep, beep, beep. I lost Sherry and her sympathy; we were disconnected. I call back, the same hold time, I get a person who is in credit, not ATMs. I am wondering whatever happened to cross-training. Does one need separate degrees in credit cards and ATMs where they cannot all do the same job? She transfers me, the wait time is shorter, but I get a phone tree. "If you want to know your account balance, press one. For other options, press two." Press two. "If you want to know the last check that has cleared your account, press three...." No choices for a live person. "For more options, press nine." Press nine. No good, no live person. I press 0, hoping to get an operator. "I am sorry, that function is not operational." Hang up on mechanical Joe. I call again. Tell the first person I am calling from Europe, I am paying for the call, and I don't want a phone tree that is not going to offer me the option I want without wasting my time and money. "I am so sorry for your inconvenience." Really, well then reimburse me for these calls. Transfer. Phone tree, mechanical Joe again. Hang up. I try once more. Get the credit division, tell her calmly that I am going to close our accounts due to the poor service; I get the same scripted sympathy yet again and then transferred. I speak with a live person. I tell her the whole story, unabridged. I want serious concern now, not the phony crap I had been getting. She sounded like she really wanted to take me for a drink to make up for the hassles and share her own customer service nightmares. We hit it off; she is going to help me. At last I have had success. She is asking me questions, I am answering them. She tells me this can be resolved over the beep, beep, beep. We get disconnected. I scream, pull out a few hairs, rant, rave, cry for a few minutes and then log onto Bank of America's web site. Contact us. Lost or stolen cards, call us collect at ##### 24 hours a day, 7 days a week. Call collect. The AT&T robot does not recognize the B of A robot that is stating clearly how much they love collect calls and will accept the charges. AT&T robot says "Your party is not answering, please try your call again later." Click. Call the AT&T operator who always sound pleasant when you reach the recorded voice, but when they answer for real, they sound disgusted that you could not place this call without annoying them. She places the call and connects me. "Welcome to Bank of America. Our hours are Monday through Friday, 8am-5pm and weekends from 10am-5pm. Our office is closed now. Please call back again between office hours." So I guess if you lose or have your card stolen, it should only be within their office hours or you are out of luck. Make sure you check the time zone differences too, so plan your loss or thefts accordingly.

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Friday, August 24, 2007

F**king ATM

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I went to use my new ATM for the first time since calling in and verifying the information. I have had the same PIN code for 15 years. I punch it in. This pin number is not correct, try again. ****, this number is not correct, try again. ****, this number is not correct, you are pressing your luck of ever seeing this card again. Cancel transaction. Insert card again. Select language. German. Do I speak German? No, but perhaps I will be luckier. ****, I am guessing the message was the same since I didn't get currency choices. Cancel. Go home. Fume.

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Thursday, August 23, 2007

I HATE Bank of America

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We received two new ATM cards in the mail from Bank of America. As with credit cards, you have to call the toll free number to confirm your details and get it activated. The toll free number does not work from Europe, so I called the International collect number. It would not go through. I called another International collect number and the same thing. After trying four different numbers provided by the bank's web site, I finally called the AT&T operator. I gave her each number one by one and was told they had all been blocked for collect calls. BUT they all say call collect when outside of the U.S. or Canada. I went to Jajah and called from that to save money since I was now footing the phone bill. After waiting on hold for 15 minutes, I was connected with a live person. My first complaint was the collect calls. She said she would report it to management. It is irritating when they say, "your business is important to us", when you know damn well they don't mean it otherwise they would not keep you on hold for long periods of time, have long voice menus where you can punch numbers for days without finding one for your needs, and then after celebrating your next birthday, you finally get connected to a real person. After my rant, I verified the information and was told that my card was good to go. I asked if this changed anything for my online log on or my PIN. No, sir, nothing has changed. Great, here is my partner, he just received a new card also. Yes, this is Ron, blah, blah, blah, yes, that is correct. Oh, and I don't have a PIN number for the card or rather, I have not used it in so long, I don't remember it. Yes, if you could send me another one that would be great. Thank you, good-bye. That is how we left it.

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