Yesterday I wrote about a suspicious call I got from “Bank of America.”

Today I called up the real Bank of America based on a recent statement. No surprise I wasn’t able to find the elusive number that the caller gave me.

Today I learned that if you send two payments for less than full payment amount they both get applied to principle. Even if in sum they are more than the payment.

Basically what happened is that escrow amount went up and I’d already sent in the old payment based on my bank’s autopay. Then I added some more to more than make up the difference.

It turns out that systems over there are stupid.

Also, the phone call was a bogus collections call. It wasn’t phishing at all… but you could make a training tape with it for showing what phishing feels like.

Whatever.

It’s at least taken care of.