Bank of America Automatic Bill Pay System Flaw Double Debits Checking Account

A week ago, I attempted to pay my regular monthly bills in advance using the automatic bill pay system provided by my bank, Bank of America, which allows me to schedule payments via their website and provides a convenient way to avoid writing separate checks and placing them in the mail.  Anticipating my regular monthly disability deposit and considering that I would be hospitalized due to vocal cord surgery for the following two days, I used the system to schedule automatic bill payments in advance, knowing that there were insufficient funds at the time.

When I was completed entering all my payments for the pay schedule, I clicked on the “submit” button only to receive an error message indicating that the system could not process the requests and to try again later.  I assumed that the system was down for maintenance.  So I tried again later in the day only to encounter the same error message.  Okay, perhaps, I thought, it wasn’t permitting me to schedule payments in advance because there were insufficient funds in my account.  So I elected to defer the attempt until after the deposit was made and after I was discharged from the hospital, hopefully a day later.

Fortunately, the hospitalization was just an overnight stay.  I was released the next afternoon after a 24-hour observation period.  When I came home, I made another attempt to schedule bill payments using the same system, this time, I had success.  The system accepted my request and I was able to get a confirmation printout of the scheduled payments.  It did not allow me to do this on Monday.  Little did I realize that payments were actually queued in the system in the background without my knowledge for the day that it claimed was having problems processing my request.

When I checked the balance of one of the credit cards, I noted that there were two payments posted on July 22^nd, and July 23^rd consecutively.  I only authorized payment for July 23^rd.

When I examined the checking account via the website, I discovered that the system made two payments for ten items totaling over $1,286.16.  The ten items were paid twice resulting in an overpayment of about $643.  These transactions practically cleaned out my checking account.  One set of payments were automatically made on July 22^nd without my authorization or knowledge.  Then a second set of payments to the same companies were made the following scheduled day, July 23^rd, as expected.

When I called customer support to get my money back, they were absolutely helpless.  They claimed there was nothing that they could do because the funds were already disbursed electronically.  How ironic, they could take your funds out within minutes, but in order to get your money back, it takes days, even weeks while these companies collect a profit off your money!

To add insult to injury, they said that I would have to contact each payee individually myself because of privacy protection laws.  I think this is pure laziness and poor customer service.  After all, it’s their programming blunder that caused this error in the first place.  Can’t they take responsibility for their own problems?  Where’s the accountability?  In my opinion, this is just nothing more than irresponsible employees trying to hide behind the “big white elephant.”

Corporations, especially banks, need to protect their customers’ accounts better.  Obviously, no one was monitoring these transactions.  Sure, they all blame it on the computer for causing these problems.  I blame it on humans for faulty programming and not managing the computers to begin with.  Pointing the fingers at computers is just a cloaking mechanism to hide poor quality of personnel and management.  If they are so quick to point fingers at computers for their errors and blunders, then customers should be concerned and have cause to quickly move their accounts elsewhere.

Consumers beware, check your bank accounts daily.  Your bank’s computer system could be debiting your accounts more than once.  Sad part about it, your bank wouldn’t even care to help get your money back.

Make Corporations Pay for Their Blunders

                BP’s oil disaster reminds us how delicate the Earth is when we try to explore for oil in parts of this planet where we really should keep our hands off – like off-shore drilling.  No, our lust for oil has caused corporations and executives to think they are more powerful than nature and take on the forces of nature.  Who wins?  The answer is obvious.  Let this be a lesson.

                But, we all know that executives don’t learn lessons very well.  In fact, they will take this tragedy and attempt to make a profit from their blunders.  They have already attempted to bribe people along the Gulf Coast by offering bribes in exchange for not being sued.  An obvious attempt to save some money.

                Okay Mr. President and Congress – here’s the message from the people, if you care to listen.  We will not be victimized by their blunders by higher gasoline prices at the pumps just because they have failed to stop the oil spill in an expedited matter.  Their finger-pointing has only caused more resources to be wasted which in turn is an excuse for executives to claim a “shortage of oil” and therefore pass along higher prices at the pumps.

                We will not settle for this charade once again.  It’s about time that the Administration and Congress put a price cap on oil prices – especially if the cause of the shortage is the company’s mistake.  And, for damaging the environment, severe penalties should be assessed against these corporations for taking their time resolving the crisis.

                Congress should swiftly pass legislation that will penalize BP petroleum and its associates a mandatory 50% reduction of gasoline prices at the pump for the next ten years for each day the well remains uncapped.  If this means that it will cause BP to go out of business, then let it be.  Let BP serve as an example of what will happened to corporations if they try to take advantage of a crisis and pass along the cost of its own mistakes to the consumers.  If this causes a price war with other oil companies, then so it shall be.

                It’s about time that the corporations, not the consumers, be penalized for their mistakes.

Into the future with Lloyd Kaneko

Into the future with Lloyd Kaneko

America’s Health Care System – The Best in the World! …Prove It!

A while ago, President Bush and Rudolph Giuliani proclaimed America’s health care system the “best system in the world.” Are these people delusional? The World Health Organization, according to the New York Times, made the first major effort to rank the health systems of 191 nations. While France and Italy took the top two honors, the United States of America was a dismal 37^th in the world. However, America leads the world as being one of the most expensive systems in the world! And, in this writer’s perspective, perhaps the most inefficient system in the world also.

A few days ago, I’ve had one of many visits to the emergency room at Presbyterian Intercommunity Hospital in Whittier California. This was my second visit to the ER for severe neck pain which, by now, 7 doctors cannot explain the reason for the neck pain. I have already seen an emergency room physician; an urgent care physician; my primary care physician; a neurologist; three otolaryngologists (head & neck physicians); radiologist; one MRI with contrasts which reveals a distended jugular vein. To date, no one except for the radiologist looked at the MRI images. I’ve been told that I have arthritis in the neck and disk protrusion between C2 & C3 in the cervical spine. Yet, the pain is nowhere near the area where they suggest that I am having the severe pain. And nothing relieves the pain.

When I was examined by the triage nurse, I was instructed to wait in the lobby where I waited for an additional three hours to get assigned to a bed. After being put into a bed and initially examined by my nurse, I waited for an additional hour to get seen by a doctor. Four hours had elapsed before being seen by a physician! During that time, I was admitted by the admissions clerk who verified my insurance. I’ll talk about this fiasco a little later on.

Back to the incident with the medical care, I finally was attended to by a physician and then had to wait for another forty-five minutes. Then, I was rudely told by the ER physician that there was nothing he could do for me. His intent was not to treat me – not even my pain. He said that I would have to go back to my doctors to figure out what was wrong with my vocal cord paralysis and hoarseness and the disk protrusion at C2 & C3. But from his point of view, since I’ve already seen seven doctors, there was nothing else he could do. Keep in mind, I didn’t go to the ER for my problems with vocal cord paralysis or disk prolapse. I was in a lot of pain – he didn’t even bother to relieve me for my chief complaint – not even offer pain medication.

To say the least, I was not pleased and took my anger out on the nurse. If it were up to me, the CEO of this facility would have found about this poor treatment. I informed the nurse that I was a commissioner with the city and was not hesitating to using my contacts and acquaintances to bring wrath upon this precious hospital in my city. After all, my feathers were ruffled to say the least. But this would have been too kind. No, my profession as a writer is more influential than any appointed position in a municipality. The pen is mightier than the sword and far more reaching to a larger audience.

After convincing the nurse of my needs, he talked to the doctor and I had orders for medication to relieve the pain and was sent home relieved of a little pain – but, still very much angered by the doctor’s attitude. Are doctors more worried about their liability insurance rather than the oath they took when they graduated medical school? Does money really play a bigger role in determining a patient’s health needs over ethical and moral practice to treat a patient?

Talk about money issues. When the admitting clerk verified my insurance, I was told that Medicare still had an open case for an auto accident that was over a year old in Medicare’s records and showing up in the Hospital’s computer system. The clerk wanted to know if the case should be billed as an auto accident related injury in which Medicare pays through a secondary provider, or does she bill directly to Medicare. In any case, I told her that the auto accident was long settled. Medicare had no business keeping this case open and was advised long ago that the case was settled. Is Medicare that slow to respond, or are they just incompetent? Or, is this just a matter of the “public option” passing the buck.

In my opinion, we have inept medical caregivers that are too worried about liability rather than providing quality medical care. We have an insurance system that is 1) too greedy, and 2) too inefficient. In short, we have a health care system that is broken. And, this health care system is attempting to be reformed by a broken government subsidized by corporations.

What we need is total reform – not just the health care system. But we need total reform of our government, sad to say. Corporations have subsidized our legislative branch of government while our judicial branch has sold out elections to corporations. In short, we have an ineffective government that no longer serves the people by the people, but a government for corporations by corporations. Perhaps we have seen the death of democracy. Has government sold the people out?

Congressional leaders and Senators claim that we have the best health care system in the world. They are only living in Dreamland. Have them experience reality and make them pay for their own insurance private insurance coverage. Let them find out what is covered and what is not. Let them find out what it’s like to be denied coverage or denied treatment. Millions of Americans are living without health care, or even a house.

America’s health care is the best in the world? Prove it! Why isn’t health care still more affordable in the United States to millions of Americans? Why do some people get luxurious care while the majority gets such crappy care? Are men really created equal?

Don’t Sing, Don’t Stand

Many would consider my suggestion unpatriotic. Some would accuse me of being a traitor and disrespectful toward the flag (a symbol). Regardless of what anyone says, it doesn’t matter. I prefer to exercise my freedom of speech and expression in protest. Also, I am only exercising my Quakerly belief not to worship or owe allegiance to a symbol like a flag. As I said in my previous blog entries, my allegiance is not to this country, but the world as a citizen of the Universe and of God who has no flag but His colors can be seen in glory after it rains in the form of a rainbow.

I personally have difficulties pledging an oath to a symbol of a country that cannot even care for its own citizens. A corrupt government has abandoned its citizens in favor of bailing out the rich 2% of this nation while the remaining 98% of this country continues to lose their jobs, homes, and health care. Yet when it comes down to reforming important issues such as health care for the people, it always is slanted not in the general interest of the majority, but favors the 2% who has contaminated the leadership of this country to the tune of $1.44 million a day while the average American continues struggling to make ends meet week by week, day by day just to avoid bankruptcy, foreclosures, and losing their homes.

And what happens when people go bankrupt? They often lose their life-long possessions – often without compassion or mercy. They are often displaced from their homes into the streets or forced to live in the back of their cars or trucks – if they are lucky to have even that.

To make matters worse, Corporate America adds insult upon injury by taking out “dead peasant” insurance policies on their employees. When an employee dies, the survivors of that family get absolutely nothing – not one plug nickel. Meanwhile, the company, having anticipating an early passing, has secretly taken out huge insurance policies and cashed in collecting thousands upon millions of dollars in claims. This is corporate greed at its finest – shameful to the world. How should a society tolerate such behavior?

Then, you would say, honor the veterans. Yes, I would honor our veterans in my own way. By remembering all the veterans, both past and present, who were shafted by the government and corporations and forced into homelessness, poverty, and poor health care.

Why should the people continue to owe allegiance to a nation or a flag when their own rights and privacy are taken away on false premises? A nation where once you’re poor, they (society) keep you poor? A nation where we have no right to a national referendum or recall of federal elected officials? A nation where the needs and desires of the people are trumped by special corporate interests?

The time I will again start to stand for the flag is when we get our own government back -- a government that will be accountable to the people. When we are assured that we will get our second bill of rights:

1. The right to a useful and remunerative job in the industries or shops or farms or mines of the nation;

2. The right to earn enough to provide adequate food and clothing and recreation;

3. The right of every farmer to raise and sell his products at a return which will give him and his family a decent living;

4. The right of every businessman, large and small, to trade in an atmosphere of freedom from unfair competition and domination by monopolies at home or abroad;

5. The right of every family to a decent home;

6. The right to adequate medical care and the opportunity to achieve and enjoy good health;

7. The right to adequate protection from the economic fears of old age, sickness, accident, and unemployment;

8. The right to a safe and equitable life with equal life’s benefits regardless of race, sex, social status, or sexual orientation; nor fear of religious or political persecution;

9. The right to earn an equitable living salary regardless of gender;

10. The right to a good education.

I am a peaceful person. But it is my firm belief that a new revolution is in order and long overdue. There are two political parties controlling the government that no longer serve the people nor their best interest. There is no political choice. Not only does health care in this nation need reform, the government also needs reform. I say, let’s cut the cost of government by eliminating one part of the legislative branch – the Senate that is easily influenced by corporate special interest and bribery. It’s nothing but an exclusive club anyway. Why should the taxpayers pay for an exclusive club that serves no interest of the people?

And to take reform to a greater degree, rid the country of capitalism – an evil that is not consistent with God’s plan – especially in its current state. Don’t get me wrong, there are a few good capitalists who are not greedy and give a lot of their money away for humanity. However, times have changed and greed has become the dominating face of this dying horse. Eliminate the Federal Reserve and simplify the monetary system and adapt a Universal Life Credit system (paperless) that is administered by the U.S. Treasury. Rid the nation of credit reporting companies and other means of keeping people from rebuilding their lives.

Boycott Wall Street – even if the institution itself has to be taken down peacefully. It will no longer serve us in the 21^st Century but only pacifies those of the status quo.

With the brilliant minds and scholars that we have in America, we can develop a better economical system that ensures equality and accessibility for the masses and not for an elite few. In a country as rich as America, there is no excuse for poverty, hunger, and homelessness. There is also no excuse for treating people inhumanely like animals when they are down on their luck.

We can replace capitalism with something better -- something that will take us into the 21^st Century. It doesn’t have to be socialism, communism, or Marxism. We need to develop something even more progressive, fair, and equal. And, yes, there can be a way. But, we can’t continue to live in the past. But, we need a democratic government that will allow this transition to transpire. Not one that will block progress just for the sake of the status quo and the interest of only a few.

Change will come. The people will rise to bring changes to America despite road blocks, barriers, and lies that are continually fed to Americans through media and propaganda. The rise of change is coming. We will not simply disappear and fade away into the night.

Science Fiction eBook Kami Jin Published by Whittier author Lloyd Kaneko

Whittier author Lloyd Kaneko publishes new science fiction novel on Smashwords.

Whittier author and resident, Lloyd Kaneko, has published “Kami Jin,” a 355-page book that chronicles the life of protagonist, A. Gordon Sakata II, as he describes his challenging, yet victorious life in the 23rd Century in two worlds – one a troubled life in Los Angeles, and then later on the utopian planet of Xychron. With a global unemployment rate of 95%, Sakata returns to Earth to save those in despair and the homeless and takes them to a distant planet to life in paradise.

For a limited time, September 21 through October 21, 2009, an electronic version of Kami Jin,: normally priced at $6.99 will be available to the public for $5.25 (a savings of 25%) through Smashwords at http://www.smashwords.com/books/view/4075. Use promotion codeVC57Y. Offer expires October 21, 2009.

While many stories and news articles have told about massive layoffs and the homeless in the past several years, Kaneko’s effort to keep the story in focus and honor those who have been displaced by globalization, offers a truly unique and moving commentary that begs to be read in one sitting.

About Smashwords

Launched in 2008, privately held Smashwords operates a digital publishing platform and online book store for independent ebook authors, publishers and their readers. The free
service puts authors and publishers in full control over the publishing, pricing and marketing of their works. In addition to receiving exposure to hundreds of thousands of potential readers on the Smashwords web site and via distribution on Stanza, authors and publishers receive up to 85% of the net proceeds from sales of their works. For readers, Smashwords offers the opportunity to discover exciting new voices in fiction and non-fiction. Smashwords, Inc. is based in Los Gatos, California, and can be reached on the web at http://www.smashwords.com. Visit the official Smashwords blog at http://blog.smashwords.com.

About Lloyd Kaneko

Lloyd Kaneko is a former Staff Writer for Drum Corps New of Boston, MA, and has written for various other magazines, newsletters, and blogs including Scenario.SC. and Allvoices. He also writes screenplays and is a member of the Alameda Writers Group. Lloyd has Bachelor of Arts in Creative Writing from California State University, Long Beach and has studied creative writing under Dora Beale Polk. He has studied screen writing through the Writers Guild of America, West. Lloyd has judged screenplays for the Honolulu International Film Festival and the Mexico International Film Festival.

Corporate Greed – Denying Freedom of Speech and Expression in Public

In Kami Jin (Paper People), I reflected on some of my personal experiences with how executives and managers in Corporate America went out of their way to squash the freedoms of speech and expression in their organizations. At places where I worked, supervisors chastised and ridiculed individuals for making constructive comments or criticisms that were contrary to management’s ideals or beliefs. If bosses didn’t agree with your suggestion, they often considered it as “an attack on management.”

This often resulted in negative consequences for the individual making the suggestion. Speaking out resulted in either being passed up for a promotion, but often resulted in a demotion or even termination if management felt it was severe enough to warrant the action. Oddly, those who often spread lies and false allegations against their peers for the sake of “climbing the ladder,” were often rewarded with promotions.

Unfortunately, corporate greed has spilled into the public sector. The national issue of health care reform has caused many obstructionist against reform to create lies, falsehoods and misinformation about the issue that are so far from the truth that it is pathetic that uniformed people in this country perceive these to be “the truth.” Underwritten and funded by corporate executives and lobbyists for insurance and pharmaceutical companies, these parties have hired out public relation firms to organize “citizen groups” to infiltrate town hall meetings sponsored by Congressional representatives intended to have a civilized debate on issues like health care reform. But rather than having the opportunity to have a “civilized debate,” these meetings have become dominated with violent outbursts and demonstrations by people who, often, are not even constituents of the representative’s district. But, people (prostitutes) planted there by insurance and corporations to intimidate gullible citizens with their misinformation and propaganda provided them by these so called “PR” firms.

It’s first of all shameful that these “public relations” firms call themselves “public relations firms.” To the profession of public relations, they are a disgrace. Unlike marketing firms, in PR, you should be telling the truth about the subject. These entities are nothing but propaganda organizations spreading lies for the sake of and preserving the status quo of insurance and pharmaceuticals that stand to lose large profit if a single-payer or a public-option were to become reality. Or the truth of the matter, if a competing entity were to be introduced to the marketplace.

They say it’s “government bureaucracy” that is out to destroy health care in America. I say, “corporate bureaucracy” has been destroying health care in America all this time.

· Why does the cost of health care in America continue to rise?

· Why does America lag (47^th) behind the rest of the world in the quality of health care?

· Why are we paying so much for health care compared to the rest of the world? Why are other countries receiving better health care that we are for a lot less?

· Why does someone have to pay $200 for an inhaler here in America and only pay a dollar ($1) for the same inhaler in Cuba and Mexico?

· Why are corporate executives receiving much more in terms of salaries and benefits while average workers are losing their jobs plus their medical benefits in addition to everything else?

· Why can't our health care system find effective ways to reduce costs and make it affordable for all Americans and find a means of building a health care system that is first in the world, rather than argue about the costs that it will take to create a first class system?

The insurance companies promised the Senate their version of “reforms.” But just think, their “understanding of reforms” is what they have been doing all along.

Recently, to continue to satisfy their shareholders, insurance companies have been making efforts to remove many of their patients from their rolls. Much of this is done with very poor communications often by not telling the patient until it’s too late when a patient discovers that he or she is no longer covered by the insurance that the person once had. Or by suddenly changing a patient from a primary carrier to a secondary carrier without notification and then leaving the patient with two secondary payers leaving the patient to coordinate payment or be stuck with the bill in its entirety.

Then there is the issue of not approving coverage for an important procedure because the insurance company deems it “experimental” or “not medically necessary.” Mind you, the insurance company made this decision, not the doctor. In other words, some bureaucrat in the insurance company was practicing medicine without a license. In some cases, this has resulted in the patient’s death. This is criminal. And the person(s) responsible should not be held for manslaughter, but for murder in the first degree.

Back to the issue of freedom of speech and expression. We have the corporations so paranoid about losing their profits, that they hire “hit people” to be their “megaphones.” Do they come out and do the talking? No, they hide behind their mahogany-lined offices while others serve as their mouthpieces. Let alone, the poor people doing their lying are just as vulnerable to get the ax from their insurance rolls as part of their “reform” measures.

Are you executives too ashamed and embarrassed to come out and speak for yourselves? What are you afraid of? You didn’t let your own employees speak their mind in your own companies. Now, you don’t even let the citizens of this nation speak their mind in public town hall meetings as civilized people. You have turned these events into mass hysteria. Yet, you’re too “busy” to come out and debate one-on-one for yourselves, but you can tell a bold face lie in front of the U.S. Senate about your reforms, while stirring up a hornet’s nest full of lies on something this whole nation should be working for – health care reform that will benefit all citizens of this nation – not just your fat pocket books. And since you cannot come out and speak for yourselves, you are an embarrassment to this country. I suggest that you take a trip to Little Tokyo in Los Angeles and buy a t-shirt printed with the legend, “cut on the dotted line,” just above the waist. For if you have any honor in you – which you probably don’t – you would do as the shirt says and do as any honorable Japanese businessman in disgrace would do.

Health care is not only a right for all Americans. It’s a right for every individual on this planet. We all have the responsibility of keeping everyone healthy. Illnesses do not recognize borders, lifestyles, social classes, races, nationalities, sex, gender, and any other divide that one can think of. It attacks at will anywhere, and at anytime. Take the swine flu for example. All it takes is one airplane or boat trip.

You can silence the employees in your company. I might not agree with your management style or methodologies – but that is your right. But don’t tread your privileges on this nation. You have already tainted Congress by asserting your special interest money, which should have been better spent for the good of your patients, you have instead brought the souls of many Senators and Representatives (the “parrots”) just so that you could sway the opinion of health care reform in your greedy favor.

You have gone to the extent of getting favors from a corrupt government that has sold its soul to Corporate America. Stupidity like this has caused civil wars and revolutions in other countries. A little over 200 years ago, a king who sat on a throne, placed himself on a pedestal, and ruled a New World, over-taxed his citizens. As a result, a new country was born. That same country is overdue for a revolution – to overturn a corrupt government by and for Corporate America, and return it once again as a government by and for the people.

This corrupted government has treated you well. In a down economy, it has bailed out failing companies while continued to reward incompetent executives with taxpayer money. The next time, the taxpayers are not going to be so benevolent.

In modern times, we essentially have the same analogy. We have an elite group of people with influence who have placed themselves on pedestals ruling (hiding) in their corporate suites, influencing government with their riches, getting richer by the day while the “peasants” continually starve and lose their jobs and benefits. Prices are sky rocketing out of control, yet, the government is non-responsive. The time is ripe for a revolution. Being a Quaker, I favor a peaceful one at that. But if it means civil disobedience and unrest, I would have to favor all means necessary to bring justice to bear.