Solicited in Line at the Bank?

[Anonymous]

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CanDoAttitude wrote:

Hi TheCynicalOne,

As a long-time account holder with BofA myself (well over 10 years)

I can understand how you feel.

Obviously the acquisition of "a rather large mortgage company based

in California" isn't going as well as planned. So they've amped up their

marketing efforts to help pay for the sale. Who better to target than

existing customers who have opted into preapproved offers??

They don't want to kill anymore trees and send preapps in the mail because

most of them won't be read. So they pitch you in the drive-thru or at the teller

window in order to save time. Of course, once you say "No" that should be

the end of it, but sadly it's just an excuse to follow a memorized script.

I believe the industry term for this is "organic growth". Don't be surprised if

you see or hear of other banks doing the same.

Even as big as BofA is, times are tough for them as well. They don't understand

english...they understand green. So if they get too pushy, you can always vote

with your dollars. Believe me, they'll change their tune pretty quickly.

This latest marketing tactic, as well as everything that's happened in the wake

of the subprime mess, is one of the biggest reasons people are flocking...and I

do mean FLOCKING...to credit unions. People are tired of all the nonsense, and

they want to work with people face-to-face at their own pace without having

offers shoved down their throats. CU members own the joint, and owners don't

get treated that way.

So if too pushy (or too tacky) comes to shove, just vote with your dollars. They'll

get the message then.

CanDo

"The right attitude is everything"

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I never really thought of it in that context.  Kind of summarizes what's been happening lately to the banking industry.  They're desperate to drum up some more business or keep the business they currently have.  I guess I was just creeped out that he called my cell phone after I told him no the same day.  lol

But I guess I forgive you BoA.  You've been good to me so far.

[Anonymous]

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@haulingthescoreup wrote:

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@Anonymous wrote:

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@MidnightVoice wrote:

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@Anonymous wrote:
I was in line at BoA

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people still actually go into banks?

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True that. I've only been in the doors 3 times in 7 years I think.

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I've never even laid eyes on my bank! (USAA in San Antonio)

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Funny!  I just joined Provident Bank in Maryland.  I don't think a lot of these banks and credit unions expected national support!

[Anonymous]

Oh...and to put the double entendre to rest.

I can safely say I have both been propositioned and solicited in line at the bank.

I have never solicited or propositioned in a bank myself.  I was the one on the receiving end.

Oh, that certainly sounds bad.

[Anonymous]

receiving end, eh? lol

[Anonymous]

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dizzier wrote:
receiving end, eh? lol

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Of course.  I just had to fill out a deposit slip

[MidnightVoice]

Well, in upstate NY they used to sell crack in the bank doorways. Does that count?

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:
receiving end, eh? lol

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Of course. I just had to fill out a deposit slip

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I can't even respond to that...

[Trishco]

Have to chime in here...as a former employee of said bank....

High pressured sales!  I was a *certified* teller...and we had to maintain a certain number of sales per week/month to keep our job!  Perfect attendance and perfect balancing meant NADA! 

We'd have contests to boost sales...cash at the end of day for sales, although a "sale" was considered a check card, or cc app.  Mind you...cc app didn't have to be approved, but applied for none the less!   

When our sales were down, we'd have to be "counseled" with supervisors, then given a written warning.

I definitely do NOT miss the *politics and pantyhose* of the banking world!

[Anonymous]

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Trishco wrote:

 *politics and pantyhose* of the banking world!

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so it seems the proposition and offers are made in the same vain.

[Anonymous]

After reading the last several posts, I spent about 20 minutes

laughing so hard that I got cramps in my stomach.

Then I promptly spent another 10 minutes lying face down on the

floor waiting for them to subside.

You people are ill to the nth degree....but I mean that in the best

possible way, of course

Who would've thought that coming to an online FICO forum could

be so much fun??!!!!

Ok...I feel better now.  

CanDo

"The right attitude is everything"