Tuesday, August 14, 2007


I just have to take another moment to give a lot of credit to where credit is due. My banking experience at Commerce Bank has been more positive than I could have ever imagined. I have never seen a bank willing to actually put themselves in their customer's shoes and waive frustrating fees. Any bank I have ever dealt with tries to milk their customers for all they can get them for.... manipulating the ways transactions post for the sole purpose of assesing the most NSF fees, for one example. Commerce is completely the opposite... they actually look for ways to not charge their customers. I have had situations where they would make a deposit available sooner because of a paticular situation I was in. My most recent situation was a transaction not posting to my account on the day that it was supposed to.... this was the fault of the sending party and not Commerce Bank at all. As a result, a check card transaction overdrew my account. I accounted for the $35 NSF fee and today I just found out that when a check card transaction pushes you over the limit, they don't even charge you at all!

I really can't give enough praise to Commerce Bank! If you are in a state that they are (PA, VA, DC, NY, CT, FL) then you really need to set up an account.... you'll be glad you did!

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(C)2003-2008, Bob K Mertz - Some Rights Reserved

Monday, April 09, 2007


What a weird day.... Seems like the companies that pissed me off recently were... nice.... or something.

Ok, so a while ago, PNC Bank pissed me off again. I opened an account at Commerce Bank and I have been EXTREMELY happy with them. Their customer service is really great. I've lost quite a bit of money to PNC because of weird policies that aren't clear until they have an opportunity to suck you dry.... and their customer service is horrible....

The other two things that pissed me off both happened on Friday. First, University Heights. Our rent is due on the 5th of the month and that includes dropping your check in the mail slot that night. Thursday night I went to put my check in the slot and it was jammed.... envelopes hanging out all over the place -- so of course I didnt feel comfortable just laying it on the stack. Friday morning I drive by the office on the way to work and their doors are still locked.... mail slot still full. So after work, I run by the office and stand in the office for 10 mins.... everyone was busy because they were crowded which I do understand.... eventually someone walked by and said "if thats just a payment I can take it for you" so I gave it to her..... got in my car.... and all of a sudden they found time to open up the envelope and look up my account to find out that my payment was "late" ... and had the time to chase me down in my car to tell me this.... so I go back in to explain to them the situation and twice I was interupted by the manager saying "It's late!" and told me that they would not accept my check at all. I was pissed.... so I went into my apartment to look up their corporate office to call and my internet isnt working.... actually, it turns out that I have no dial tone or anything.... completely dead. Called Verizon and argued with them that things werent working even tho their computer said it was..... so they finally agreed to send a tech out on the 16th.... ok, so thats not going to work... I cant be without internet that long. Whatever..... went to bed because I had enough.

So today, I call Comcast and they get me set up with cable internet this afternoon... I call Verizon and they do their typical "why do you want to leave" and their speech about how they will bend over backwards, yada yada yada.... Told them that I have no dial tone and everything is dead and that I can't be without internet until the 16th. Finally I convince them that I am serious about canceling my account and then she proceedes to tell me that I am in an anual contract for my DSL and that they will charge me an early termination fee. I told her I didnt think it was fair that they are going to hold me accountable for THEIR problem and she told me that I didnt mention anything about a problem with my DSL service.... so naturally I flipped on her because YOU CANT HAVE DSL WITHOUT A DIAL TONE! Finally she said, ok.... she said I'll get a final bill in 10 days.... and it sure as heck better not have a termination fee on it. So after that I call the corporate office (Bainbridge Management) of University Heights and talk to someone about my issue and he said "Please give me as much information about who this was as you can" and I explained who it was that told me all of this and he said "Give me about 15 mins and then go ahead and take your check back over to them. I'm going to call them right now and take care of this" ... so that made me happy. From there I went out to PNC bank to close my account... the guy I talked to did his typical trying to keep me thing and then he said something that I wasn't expecting.... He is putting $217 back into my account to cover what they cost me. Now, granted, this is the second time this same scenario that happened before so I'm not marking this matter as resolved -- but I'll be happy to keep my account open for another few weeks or so if he's going to be nice enough to do that :)

Now... if only the IRS would call and say "Yaknow, we realize that you weren't expecting all of this stuff so you don't owe us the $11,000" ... ok, one can hope, right? :P

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(C)2003-2008, Bob K Mertz - Some Rights Reserved

Thursday, September 18, 2003


Just got word from PayPal that it will not accept transfers from my NetBank account. You would think an internet bank would work perfectly with an internet company. Now I'm not a verified member of PayPal and my PayPal debit card is practically useless. Argh! Thats my gripe of the moment. Anyway, its 3:45am and, well... im actually going to go to bed.

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(C)2003-2008, Bob K Mertz - Some Rights Reserved


(C)2008, Bob K Mertz - Some Rights Reserved
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