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GirlSpot

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  1. I recently switched to GEICO. I was paying an arm and a leg for Liberty Mutual. Progressive also quoted about 40% more than GEICO.
  2. I've been trying to get clarity on this and I'm finding different answers. I'm hoping you all could chime in to help me figure out what I should do about this. I'm rehabbing my student loans, and the CA (Immediate Recovery - they're contracted with the US Dept. of Ed) isn't following what I believe are appropriate steps to verify that I am who I say I am. Instead of asking me for the last 4 digits of my SSN and waiting for me to volunteer that information, the rep I've spoken with (twice now) has instead said something along the lines of "I need to make sure I am speaking with the right individual. For verification purposes, are the last 4 of your Social XXXX?" This happened on a call last week (when I called them to initiate the process) and yesterday (when they called me). Yesterday, it was the FIRST thing the rep said when they called me and I answered. Had anyone else answered the call, he or she would know the last 4 digits of my social. It wouldn't be terribly difficult to combine that with an address and birth date to then start posing as me in a number of ways, so I'm struggling to understand how it would be legal for a CA to volunteer that info in an attempt to verify my identity. What are appropriate next steps? I am in California. Should I reach out to an attorney familiar with the FDCPA?
  3. I've been trying to get clarity on this and I'm finding different answers. I'm hoping you all could chime in to help me figure out what I should do about this. I'm rehabbing my student loans, and the CA (Immediate Recovery - they're contracted with the US Dept. of Ed) isn't following what I believe are appropriate steps to verify that I am who I say I am. Instead of asking me for the last 4 digits of my SSN and waiting for me to volunteer that information, the rep I've spoken with (twice now) has instead said something along the lines of "I need to make sure I am speaking with the right individual. For verification purposes, are the last 4 of your Social XXXX?" This happened on a call last week (when I called them to initiate the process) and yesterday (when they called me). Yesterday, it was the FIRST thing the rep said when they called me and I answered. Had anyone else answered the call, he or she would know the last 4 digits of my social. It wouldn't be terribly difficult to combine that with an address and birth date to then start posing as me in a number of ways, so I'm struggling to understand how it would be legal for a CA to volunteer that info in an attempt to verify my identity. What are appropriate next steps? I am in California. Should I reach out to an attorney familiar with the FDCPA?
  4. Also, for posterity, a family member with these issues was also able to open an account: Unpaid, recent NSF fee Paid, older NSF fee Account abuse (reported several years prior)
  5. I should also add that account balances (for access and classic checking) should be maintained at a minimum of $300 to avoid a $3 monthly fee, and I needed to opt out of paper statements to avoid another $3 fee. Checking account details here.
  6. I wanted to put the CU on the radar for anyone looking for banking options in California, Illinois, and Florida. I don't believe it's mentioned on MCA's list for CA (they acquired Butte FCU, Community Trust, and People's, among others). I have a negative Chex entry and believe I may have a negative entry in EWS (still waiting on that report). I will report back if the account ends up being closed, but they were very transparent about having a goal of helping people who have had banking/financial issues in the past, so I am hoping the account will remain in the clear. I'm going to treat it like it's priceless. I had a great experience at their Oakland branch, and they have branches throughout CA (it can be annoying how many places are only in the north or south), so I would encourage anyone who is struggling with finding local options in CA to check them out. From what the reps told me, they also have a strong focus on helping members rebuild their credit. While I was filling out my app, a member told me that they approved him for a secured loan and secured cc when he was unable to get approvals elsewhere. The credit union has acquired and merged with smaller CUs, and it now has 22 branches across these 3 states. California Antioch Bakersfield Biggs Chico Covina El Monte Fresno Lamont La Puente Modesto Napa Oakland Oroville Pomona Porterville Riverbank San Francisco San Jose Vallejo Illinois Chicago (Brighton Park) Chicago (Little Village) Cicero Florida Apopka Pierson
  7. Thanks, tmcgill. I'm further south (in Berkeley-Oakland-San Francisco), so I'm going to go to a US Bank branch and try them today.
  8. Does anyone have experience/knowledge of Beneficial State Bank? They're in Northern Cali (Oakland, Sacramento, and Santa Rosa), Seattle and Portland. I'm in the Bay Area and found out I was reported to EWS when I tried to open an alternate savings account at a larger bank. I am trying to find local non-EWS/Chex alternatives while I wait on this report so I can see what's on it and try to clean it up. Any details or alternative options would be much appreciated.
  9. I've been using this for a while... maybe a year now, or longer, and it's great. Online bill pay is great and easy (usually arrives in two days), the pre-auth procedure is great/easy if one has a smart phone and/or constant internet access, my direct deposit posts at about 3:00 AM on pay day without fail (and was easy to set up), etc. The only real downside is not having a bank where I can deposit checks (which I don't receive often), and that many merchants are reluctant to take AMEX due to the fees.

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