<p dir="ltr">Ha!</p>
<div class="gmail_quote">On Apr 27, 2015 10:51 AM, "Martin Silver" <<a href="mailto:msilver@wolfenet.com">msilver@wolfenet.com</a>> wrote:<br type="attribution"><blockquote class="gmail_quote" style="margin:0 0 0 .8ex;border-left:1px #ccc solid;padding-left:1ex">
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<div>People, People, People. I have following this and no one has
mentioned the most important thing about BOA. This huge huge bank has the
crappiest lollipops and my dog takes the biscuits they give him and drops them
on the floor and spits on them. If they cannot get treats right for a dog,
how the hell are they going to get anything right for business? </div>
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<div><b>From:</b> <a title="barb@oppnw.net" href="mailto:barb@oppnw.net" target="_blank">Barb Headley</a> </div>
<div><b>Sent:</b> Monday, April 27, 2015 10:01 AM</div>
<div><b>To:</b> <a title="wsbapt@lists.wsbarppt.com" href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">'WSBA Probate & Trust Listserv'</a>
</div>
<div><b>Subject:</b> Re: [WSBAPT] Bank Behaving Badly - B of A</div></div></div>
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<p class="MsoNormal"><a name="14cfc00faf7b6d4b__MailEndCompose"><span style="FONT-FAMILY:"Calibri",sans-serif;COLOR:#1f497d">This is what I meant
to send…altho the prior one is illustrative too.<u></u><u></u></span></a></p>
<p class="MsoNormal"><span style="FONT-FAMILY:"Calibri",sans-serif;COLOR:#1f497d"><u></u><u></u></span> </p>
<div>
<p class="MsoNormal"><span style="FONT-SIZE:11pt;FONT-FAMILY:"Lucida Handwriting";COLOR:#1f4e79">Barbara
Headley<u></u><u></u></span></p>
<p class="MsoNormal"><span style="FONT-SIZE:11pt;FONT-FAMILY:"Calibri",sans-serif;COLOR:#1f497d">Tel:
<a href="tel:253%20640%201980" value="+12536401980" target="_blank">253 640 1980</a><u></u><u></u></span></p>
<p class="MsoNormal"><span style="FONT-SIZE:11pt;FONT-FAMILY:"Calibri",sans-serif;COLOR:#1f497d">Fax:
<a href="tel:253%20295%205002" value="+12532955002" target="_blank">253 295 5002</a><u></u><u></u></span></p></div>
<p class="MsoNormal"><span style="FONT-FAMILY:"Calibri",sans-serif;COLOR:#1f497d"><u></u><u></u></span> </p>
<div>
<div style="BORDER-TOP:#e1e1e1 1pt solid;BORDER-RIGHT:medium none;BORDER-BOTTOM:medium none;PADDING-BOTTOM:0in;PADDING-TOP:3pt;PADDING-LEFT:0in;BORDER-LEFT:medium none;PADDING-RIGHT:0in">
<p class="MsoNormal"><b><span style="FONT-SIZE:11pt;FONT-FAMILY:"Calibri",sans-serif;COLOR:windowtext">From:</span></b><span style="FONT-SIZE:11pt;FONT-FAMILY:"Calibri",sans-serif;COLOR:windowtext">
<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a> [mailto:<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Doug Schafer<br><b>Sent:</b> Monday, April 27, 2015 9:46
AM<br><b>To:</b> WSBA Probate & Trust Listserv<br><b>Subject:</b> Re:
[WSBAPT] Bank Behaving Badly - B of A<u></u><u></u></span></p></div></div>
<p class="MsoNormal"><u></u><u></u> </p>
<p class="MsoNormal" style="MARGIN-BOTTOM:12pt">Because BoA (a national bank) is
not chartered by Washington State, but is chartered by the Federal Government,
its regulatory agency is the U.S. Comptroller of the Currency. Its consumer
complaints website is:<br><a href="http://www.occ.gov/topics/dispute-resolution/consumer-complaints/index-consumer-complaints.html" target="_blank">http://www.occ.gov/topics/dispute-resolution/consumer-complaints/index-consumer-complaints.html</a><br><br>Washington's
Department of Financial Institutions only regulates state-chartered banks and
credit unions. <br><br>A national bank's corporate name (not its assumed trade
name, like SeaFirst) must include either "national bank" or "N.A." <br><br>Doug
Schafer, in Tacoma.<u></u><u></u></p>
<div>
<p class="MsoNormal">On 4/27/2015 8:22 AM, Anne Marie Liebhaber
wrote:<u></u><u></u></p></div>
<blockquote style="MARGIN-BOTTOM:5pt;MARGIN-TOP:5pt">
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue">File a
complaint (BoA infamous for number of consumer complaints) or contact DFI for
guidance with particular situation with an institution. All of us should hold
these banks accountable. </span><u></u><u></u></p>
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue"> </span><u></u><u></u></p>
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue"><a href="http://www.dfi.wa.gov/consumers/file-complaint" target="_blank">http://www.dfi.wa.gov/consumers/file-complaint</a></span><u></u><u></u></p>
<p class="MsoNormal"> <u></u><u></u></p>
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue">ANNE
MARIE LIEBHABER</span><u></u><u></u></p>
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue">Attorney
at Law</span><u></u><u></u></p>
<p class="MsoNormal"><span style="FONT-SIZE:10pt;FONT-FAMILY:"Arial",sans-serif;COLOR:blue">Olympia
WA</span><u></u><u></u></p>
<p class="MsoNormal"><u></u><u></u> </p>
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<hr align="center" size="2" width="100%">
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<p class="MsoNormal" style="MARGIN-BOTTOM:12pt"><b><span style="FONT-SIZE:10pt;FONT-FAMILY:"Tahoma",sans-serif">From:</span></b><span style="FONT-SIZE:10pt;FONT-FAMILY:"Tahoma",sans-serif"> <a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">wsbapt-bounces@lists.wsbarppt.com</a>
[<a href="mailto:wsbapt-bounces@lists.wsbarppt.com" target="_blank">mailto:wsbapt-bounces@lists.wsbarppt.com</a>]
<b>On Behalf Of </b>Patrick J. Galloway<br><b>Sent:</b> Monday, April 27, 2015
5:08 AM<br><b>To:</b> 'WSBA Probate & Trust Listserv'<br><b>Subject:</b>
Re: [WSBAPT] Bank Behaving Badly - B of A</span><u></u><u></u></p>
<div>
<p class="MsoNormal" style="MARGIN-BOTTOM:12pt">Large institutions are often
difficult. The local branch has nobody with the authority or knowledge to
handle these issues. BOA has caused my clients much grief. I try and prepare
my clients for this upfront by explaining the trouble they will
encounter.<br><br>I don't think it is a jaded conspiracy theory to recognize
that many financial institutions intentionally delay transfer of funds. I
would be surprised to find that the review by 'legal' actually involves an
independent confirmation process which arguably should occur before release of
substantial funds.<br><br>Not sure what to do about this besides advising my
clients not to open estate, business, or investment accounts at these
institutions. <br><br>--- Original Message ---<br><br>From: "James B. Dolan"
<a href="mailto:jbdolan@jbdolan.com" target="_blank">mailto:jbdolan@jbdolan.com</a><br>Sent:
April 26, 2015 2:48 PM<br>To: "'WSBA Probate & Trust Listserv'" <a href="mailto:wsbapt@lists.wsbarppt.com" target="_blank">mailto:wsbapt@lists.wsbarppt.com</a><br>Subject:
[WSBAPT] Bank Behaving Badly - B of A<u></u><u></u></p></div>
<div>
<div>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Colleagues:</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">I recently
encountered the following situation in two probate
matters.</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">1.</span><span style="FONT-SIZE:7pt;FONT-FAMILY:"Times New Roman",serif;COLOR:#1f497d">
</span><span style="FONT-SIZE:12pt;COLOR:#1f497d">Client is appointed as
Administrator of Deceased’s estate. Deceased had accounts at two banks
(Wells Fargo and Bank of America) and a credit union (BECU). On March
31, Administrator went to all three institutions with a Certificate of
Death, certified Order Appointing, and certified Letters of
Administration. She attempted to close out the three modest
accounts and marshal the funds in order to place them in an estate
account. Wells Fargo and BECU gave her the money and closed the
accounts. Bank of America stated they need a “Letter of Instructions”
and then need to “send everything to legal” for review before giving her the
funds in Decedent’s account. Many telephone calls and visits to the bank
later, as of last Friday, May 24, she still does not have the money and the
account is still open.</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">2.</span><span style="FONT-SIZE:7pt;FONT-FAMILY:"Times New Roman",serif;COLOR:#1f497d">
</span><span style="FONT-SIZE:12pt;COLOR:#1f497d">Client is appointed as PR
of his deceased brother’s estate. Brother’s Will intends for all of his
assets to be placed into trust for benefit of his minor daughter, of which PR
is also trustee. Decedent had four accounts at financial institutions –
two of them are POD to the trust and two of them (Bank of America and
Carpenter’s Trust – pension) are POD directly to minor child. For a
number of reasons, we petitioned court to direct the two institutions with
accounts POD (Bank of America and Carpenter’s Trust – pension) directly to
minor to instead deliver the funds to trustee of the minor trust. We
followed all relevant RCWs, including summons per TEDRA and also specific
notice to Bank of America and Carpenter’s Trust per 11.11.050. Based on
dealing with Bank of America in scenario number 1 above, I saw this coming so
in my order, the Court specifically directed Bank of America to “immediately
and without delay, deliver all assets in [Decedent’s name and account numbers]
to PR / Trustee. Failure to promptly comply with this order shall be
considered contempt of court.” PR went to Bank of America, for the
second time, with certified Order Appointing, Letters Testamentary,
Certificate of Death, and certified copy of the order we had just entered, and
was told by bank manager that “we need to send this to legal, we will get back
to you.”</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="COLOR:#1f497d">It appears that B of A has a
new policy, that no other banks or credit unions have to my knowledge, that
being appointed PR and appearing at the bank with all of the necessary
documents is not, in their view, sufficient, so they need to “send it to
legal.” My jaded view is that the bank, by delaying the withdrawal of
money from the accounts previously owned by Decedents, gets to continue to use
the money to collect interest – although each account in and of itself is
probably not worth very much, when you think of the thousands of accounts from
thousands of Decedents that are being treated this way, those pennies add up
(<i>see</i> the movie Office Space).</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="COLOR:#1f497d">At any rate, the client in
scenario number 1 above has waited three weeks, the bank manager in scenario
number 2 above is simply blowing off a court order (no doubt because she is
simply following the bank directive).</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="COLOR:#1f497d">Before I gulp down a large
Starbucks and begin drafting Motion and Order to Show Cause for Contempt
(does that even make sense?) and get an Order Shortening Time and have both
managers personally served, I thought I might check in with my more
experienced, and perhaps more rational, and certainly more mature,
colleagues. Is this finally a chance to strike back at the empire or am
I tilting at windmills? Any other ideas?</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="COLOR:#1f497d">Jim
Dolan</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">===================</span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><b><span style="FONT-SIZE:12pt;COLOR:#1f497d">Jones
Butler Dolan, PS</span></b><u></u><u></u></p>
<p><u><span style="FONT-SIZE:12pt;COLOR:#1f497d"><a href="http://www.jbdolan.com" target="_blank">www.jbdolan.com</a></span></u><u></u><u></u></p>
<p><u><span style="FONT-SIZE:12pt;COLOR:#1f497d"><a href="http://www.jonesbutlerdolan.com" target="_blank">www.jonesbutlerdolan.com</a></span></u><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><u><span style="FONT-SIZE:12pt;COLOR:#1f497d">Mount
Vernon</span></u><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">P.O. Box
2784</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">720 South
Main Street</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Suite
233</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Mount
Vernon, WA 98273</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Telephone:
<a href="tel:360-336-2939" value="+13603362939" target="_blank">360-336-2939</a></span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Facsimile:
<a href="tel:360-336-2949" value="+13603362949" target="_blank">360-336-2949</a></span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><u><span style="FONT-SIZE:12pt;COLOR:#1f497d">Stanwood</span></u><u></u><u></u></p>
<p> <u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">P.O. Box
458</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">10027 -
269th Place NW (SR 532)</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Stanwood, WA
98292</span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Telephone:
<a href="tel:360-629-3833" value="+13606293833" target="_blank">360-629-3833</a></span><u></u><u></u></p>
<p><span style="FONT-SIZE:12pt;COLOR:#1f497d">Facsimile:
<a href="tel:360-629-6253" value="+13606296253" target="_blank">360-629-6253</a></span><u></u><u></u></p>
<p> <u></u><u></u></p>
<p> <u></u><u></u></p>
<p> <u></u><u></u></p></div></div>
<p class="MsoNormal"><br><br><br><u></u><u></u></p><pre>_______________________________________________<u></u><u></u></pre><pre>WSBAPT mailing list<u></u><u></u></pre><pre><a href="mailto:WSBAPT@lists.wsbarppt.com" target="_blank">WSBAPT@lists.wsbarppt.com</a><u></u><u></u></pre><pre><a href="http://mailman.fsr.com/mailman/listinfo/wsbapt" target="_blank">http://mailman.fsr.com/mailman/listinfo/wsbapt</a><u></u><u></u></pre></blockquote>
<p class="MsoNormal"><u></u><u></u> </p></div>
<p>
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