I hate it when customer "support" .....

[Fritz]

answers with a script and no suggestions that make sense or research.

UA, what makes my audio I/O, said that perhaps my Monty "incompatible" Waves plugs are causing the UA firmware refresh issue.
The "support' suggested I should uninstall and update.

Those incompatible plugs have been working fine with Monty since I updated.
Fortunately, since I submitted the Support file, the issue appears to have cleared itself up. Time will tell.

When I was a tech, if I gave a one line unsupported response, I'd be at Mickie D's the next day running the fryer.
Good CS of any kind is so rare these days.

Argh!

OK, done ranting. Move along.

[ka jowct]

I went through some very frustrating "support" from my bank when trying to get my RMD from an IRA set up. The first time, I went to my local branch. They took care of it but told me there would be a fee if I wanted it done at the bank again (why???). Gave me a 5-page form to fill out and mail to the bank's "retirement services" group, which, unlike the banking part of the bank, seems to consist of a few lazy, bad-tempered employees who don't believe in them-thar new-fangled computer thingies all the kids are using. The 5-page form would have been a goldmine for identity thieves: they wanted my SSN, which of course they freaking have, and security info like my mother's maiden name and the first school I attended.

I filled it out but omitted that info, and noted why it was a bad idea to ask for that or supply it on a form that had to be mailed, so they sat on it. Then they sent me a letter claiming they had sent me a request for more info, but since I hadn't responded, they were not going to do squat. I had received nothing from them, a good illustration of why this stuff should not be transmitted via USPS. They said they would resend it. They did not.

I made another visit to my bank branch, and talked to a very nice man who called them, and let me speak to a heavily accented person who stuck to a script and insisted that they had to have the SSN (that they already definitely had). She kept saying that the "back office" wanted it that way. The nice guy at the bank finally printed out the relevant pages from the form and assured me that they would transmit the info internally, so I filled out the info and hoped for the best. I got confirmation recently that this had finally been taken care of.

I have another account that lets you set up this kind of thing with a few mouse clicks, and an inherited account in my home town back in the midwest that takes care of similar situations with a phone call and DocuSign.

[mattkime]

ka jowct wrote:
I have another account that lets you set up this kind of thing with a few mouse clicks, and an inherited account in my home town back in the midwest that takes care of similar situations with a phone call and DocuSign.

On the surface, all banks look the same. Once you actually need to ask them to do something, thats when you figure out what they really are. Sometimes people switch banks because its easier than manipulating banks to do what is needed.

The main place I'm run into this is setting Payable on Death to a trust. Very common if you have more than a small amount of assets, children, and the proper legal protection around it all. Most places are completely smooth, all done online. BMO Harris had me schedule an appointment with a branch manager and come in. She was going to be more than half an hour late so I left. I had filled out all the necessary paperwork and the bank did nothing with it. I still have an account with them but it sees minimal activity. I'm doing much better with Fidelity anyway.

[ka jowct]

mattkime wrote:
[quote=ka jowct]
I have another account that lets you set up this kind of thing with a few mouse clicks, and an inherited account in my home town back in the midwest that takes care of similar situations with a phone call and DocuSign.

On the surface, all banks look the same. Once you actually need to ask them to do something, thats when you figure out what they really are. Sometimes people switch banks because its easier than manipulating banks to do what is needed.

The main place I'm run into this is setting Payable on Death to a trust. Very common if you have more than a small amount of assets, children, and the proper legal protection around it all. Most places are completely smooth, all done online. BMO Harris had me schedule an appointment with a branch manager and come in. She was going to be more than half an hour late so I left. I had filled out all the necessary paperwork and the bank did nothing with it. I still have an account with them but it sees minimal activity. I'm doing much better with Fidelity anyway.
What you are doing with TOD forms should not be complicated, but I guess there is always someone who will make it so. TOD was how my dad handled everything. His bank was a small town branch where everyone knew him. They have been helpful to me, too, and they don't know me.

I've been with my NY bank since a few weeks after arriving in NYC. The regular banking stuff always goes OK, and they have waived the fees for situations like having to stop payment for several checks that apparently went into what looked like a mailbox but was really a black hole. (This was before the mailbox slots were made more secure.) But the Retirement Services part seems to be its own little fiefdom, stuck in the '90s. I was going to have to futz with moving the IRA if I couldn't get them to do what ought to have been simple.

[mattkime]

ka jowct wrote:
What you are doing with TOD forms should not be complicated, but I guess there is always someone who will make it so.

Sometimes banks have too many lawyers.

[Bill in NC]

ka jowct wrote:
I went through some very frustrating "support" from my bank when trying to get my RMD from an IRA set up. The first time, I went to my local branch. They took care of it but told me there would be a fee if I wanted it done at the bank again (why???). Gave me a 5-page form to fill out and mail to the bank's "retirement services" group, which, unlike the banking part of the bank, seems to consist of a few lazy, bad-tempered employees who don't believe in them-thar new-fangled computer thingies all the kids are using. The 5-page form would have been a goldmine for identity thieves: they wanted my SSN, which of course they freaking have, and security info like my mother's maiden name and the first school I attended.

I filled it out but omitted that info, and noted why it was a bad idea to ask for that or supply it on a form that had to be mailed, so they sat on it. Then they sent me a letter claiming they had sent me a request for more info, but since I hadn't responded, they were not going to do squat. I had received nothing from them, a good illustration of why this stuff should not be transmitted via USPS. They said they would resend it. They did not.

I made another visit to my bank branch, and talked to a very nice man who called them, and let me speak to a heavily accented person who stuck to a script and insisted that they had to have the SSN (that they already definitely had). She kept saying that the "back office" wanted it that way. The nice guy at the bank finally printed out the relevant pages from the form and assured me that they would transmit the info internally, so I filled out the info and hoped for the best. I got confirmation recently that this had finally been taken care of.

I have another account that lets you set up this kind of thing with a few mouse clicks, and an inherited account in my home town back in the midwest that takes care of similar situations with a phone call and DocuSign.

move the bank ira to another institution like a brokerage and do it from there.

the other institution can pull your entire IRA from the bank via ACATS transfer with zero involvement by the bank itself.