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Zombie Accounts Will Now Remain Deceased At Bofa Zombie Accounts Will Now Remain Deceased At Bofa March 22 Jorge De La Rosa Jersey , 2014 | Author: Cornelius Nunev | Posted in Business
Bank of America claims it will put a figurative bullet in the head of its so-called zombie accounts, to keep them dead permanently. It will no longer allow electronic credits or debits to accounts that have already been closed, producing charges and other issues for unaware consumers.
No more zombie accounts around
All accounts that have been previously closed and are still sending electronic transactions for one reason or another at Bank of America will no longer be revived.
In May, a Consumers Union post pointed out the zombie account practice and said it should stop. It said that customers do not have the choice to switch accounts when these kinds of things happen.
According to Consumers Union, B of A and Chase were the only two large banks who participated in reviving old accounts like this, and B of A has finally decided to quit the practice. Account holders have to pay unpredicted maintenance charges and fines when a deceased account is reopened without any notice.
The changing of banks
The issue occurs when customers are not switching banks properly, according to B of A spokeswoman Betty Riess:
As always, we remind customers to allow time for outstanding items to clear the account, and make changes to automatic payments and credits before closing the account.
Last year, when Bank of America publicized it would be charging charges for debit transactions, many American consumers had had enough, prompting them to switch banks. According to a recent release from Consumer Reports Jason Motte Jersey , 20 percent of American customers imagined about switch banks in the last year. However, 63 percent of them say they were daunted by problems such as the best way to deal with the transfer of electronic payments.
Just the tip of the iceberg
B of A was given applause from Customers Union attorney Suzanne Martindale, but she pointed out that there is more to do:
While this is a welcomed change in policy, consumers at Bank of America and other banks continue to face a myriad of obstacles that can make switching to a new financial institution a time-consuming mess. Thats why we need Congress and the Consumer Financial Protection Bureau to enact reforms that make it easier for consumers to move their money.
In order to make it easier for consumers to switch banks, the Consumer Financial Protection Bureau is considering brand new policies for banks. This might contain adoption of portable account numbers that can transfer between banks, prohibiting unfair fines and reducing check hold times.
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Why You Should Switch To Radiant Floor Heating Through Middletown Heating Experts Why You Should Switch To Radiant Floor Heating Through Middletown Heating Experts April 29, 2013 | Author: Janelle Burnett | Posted in Customer Service
If you are able keep yourself warm under a low expenditure, it would be great. There are many types of equipment that are able to heat the interiors of buildings; but, one of the most frequently seem methods today is radiant floor heating. Middletown heating companies promote this method because of the cost effectiveness it shows in installation as well as maintenance.
Considering the conventional methods, most of them will surely have a furnace or boiler with ducts traveling throughout the entire building. Why such systems are so popular is because they work pretty well. Because both heat as well as cool air is delivered through the same ducts, residents will feel comfortable no matter any season of the year.
Out of these three methods, the most widely seen one in homes is the hot water radiant floor system because it is believed that this system operates very cost effectively compared to the other two. It is also a bit easier to install and maintain as well. Most experts recommend this method because it allows your home to be kept at comfortable temperatures for longer durations of time without the use of energy Jake McGee Jersey , because once the water has been heated, it stays hot for a long time.
Radiant heat systems are extremely cost effective compared to forced hair systems. The drop in your utility bills will enable you to afford other things you may have been wanting but could not afford. The reason for them to be so cost efficient are the electronic timing controls that allow you to heat your interiors when and where you want separately; therefore, not having to waste energy on heating rooms you do not use.
All three methods use the basic concept of radiant heat transfer. It means that heat produced gets delivered directly from the hot surface to the end recipient via radiation. Therefore, there will be lesser need for energy and occupants are able to stay cozy even during the chilliest of climates. Since the heat is transferred through the flooring of a building, it is known as the radiant floor method.
The heat you get from the radiant floor system, for several reasons, will seem remarkable. Since the floor itself radiates the heat, it will turn out to be a pleasurable experience to walk barefoot or wearing socks even on the coldest of days. The air close to the floor is also heated simultaneously and starts rising upwards, circulating the heat throughout the atmosphere as well.
Electronic thermostats and timers are installed in the latest systems to make sure the heat generation is more accurate and energy is saved. If you are out of the house, you could set the time to activate the system some time before you arrive so that your home will be warm once you get there instead of having to keep t.
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