Wednesday, December 23, 2009

A Warning about ING

A few weeks ago I wrote a little bit about a horrible situation that I was having with ING, but I didn't want to get into details at the time because I wanted to get my money OUT first since I have lost faith in them completely.

I had a joint savings account with my husband, but I always used his log on information since it was his account first. Recently we've been wanting to set up some sub-accounts and that needed my pin number, which I realized we never got. So I called up ING to get my pin number, which should have been a simple process. Instead the entire thing turned into a nightmare.

At first the phone call seemed to be going okay, and they told me that they would be sending a pin in the mail, but that they just needed me to answer some security questions. Fine. I am then asked a series of seven questions, which were similar to the ones that are asked before you access your credit report online. Instead I got four questions about people that I have never heard of, one question about cars I have never owned, a question about my mother, and a poorly worded question about my height on my driver's license. I answered the questions to the best of my ability, stating the choice "Does not apply/None of the above" to the questions that weren't about me. I was then told that I failed the security questions and that the account would be closed.

I completely panicked. The representative told me that this "was not a big deal" and that I should "just go bank elsewhere." I was devastated and confused. I was worried that someone had stolen my identity because of these questions, and I begged the representative to realize that this was a mistake. He refused to budge, saying that I could only answer the questions once, and that they had no way to verify my identity.

I asked to speak to a manager and he transferred me. When the woman picked up, she told me that the account would not be closed, but that my name would be taken off and that I could NEVER bank with ING. Again, I started to panic. She again told me that it was "not a big deal" and that I should just "go bank elsewhere." I was in the midst of a panic attack, shaking and crying, and the woman refused to go off script, telling me that nothing could be done. I was a security risk to ING because I could not answer questions that weren't mine. I asked to speak to her manager, but she said there was no one above her to speak with. She told me that she would file a complaint, but that it didn't matter and this decision was final.

After I got off the phone, I called my husband, absolutely freaking out. He called ING and spoke to a very confused representative who said that my name was deleted from the account, but he didn't know why. He told us that we should call later when we were together.

We called that night when my husband got home from work, but by then the security team had gone home. Again, the representative was apologetic and confused, and told us to call in the morning.

We were going to call, but then after seeing some things about ING online, we decided not to bother. Their actions are reckless and dangerous. I was completely deleted from our account, meaning that, hypothetically, if we were getting a divorce, I no longer have any legal right to that account. According to countless stories online, things this terrible do actually happen.

Oh yeah, and those security questions that I was worried about? Turns out those come from a third party that collects information that they believe will be able to identify individuals. There is no way for the individual to verify or correct this information. So basically, Big Brother is watching us, but he doesn't care enough to even do a good job about it.

We lost trust in ING, so rather than fight it, we decided to just take the money out of the account. Up until this point, I LOVED ING. I referred many people and have always been happy. Now I just wanted to share this experience that I have had. There is a lot of praise for ING online, but there are also many, many complaints and horror stories if you are willing to dig a little deeper.

$4 Credit from Amazon Video on Demand

Go here to receive a $4 promotional code for Amazon Video on Demand. I just used it to see Julie & Julia for free! I've never used the Video on Demand service after a failed attempt to watch 30 Rock on the Mac a long time ago, but the movie played perfectly straight through. Enjoy!

Sunday, December 20, 2009

$300 from Swagbucks in 2009!

I just took a minute to look over my Swagbucks account, and I figured out that I earned $300 in Amazon gift certificates in 2009! People always look at me like I am kind of crazy when it comes to all of the surveys, searching, and all of the little things that I do to make extra money online. When it comes trickling in, I sometimes question whether or not it is worth it, but to see such a big number as $300, I definitely know it is worth the extra few minutes that I put into it everyday.

I have been using the gift certificates over the course of the year, rather than saving them for something big. But when I realize that I could have gotten a 32 GB iPod Touch for FREE, it really blows my mind. Thank you so much to everyone who has signed up as a referral. If you haven't signed up for Swagbucks yet, what are you waiting for?

Thursday, December 17, 2009

The Swell Season - Strict Joy

Amazon has the deluxe edition of The Swell Season album Strict Joy as one of the lightning deals today for just $6.99! This is an amazing album, and even though I already bought it for full price when it came out, I'm tempted to buy it again for a friend. Hurry though! The deal is only good for two more hours!

Sunday, December 13, 2009

1 Year Subscription to O, The Oprah Magazine - $5

A one year subscription to O, The Oprah Magazine is Amazon's Magazine Steal of the Week. It is $5 for one year, which is 89% off the cover price! I used a $5 gift card from Swagbucks and got it for free.