I have been dealing with banks all day today and have determined that they are crazy. One bank has my address as General Delivery. I ask them to change it to my PO Box and was told that they would need to know my physical address to change my mailing address from General Delivery to a PO Box. I just don’t understand, I have to go the post office to pick up my mail in either case, but I can have a General Delivery Address with no physical address, but a PO Box requires a physical address.
Another bank has been paid the late fees on my payments for several months now, and have not credited any of them to my account. They have $35 worth of late fees marked as unpaid. Instead they have been applying the late fees to my principle. When I ask them why, they said, they cannot mark late fees as paid until the account is current. Which means simply that if I never pay any payments on time I will wind up owing them over $5000 in late fees at the end of loan even though I paid every single one of them.
Like I said banks are crazy.