I'm three months behind on mortgage payments to IndyMac Bank. It's not that I'm intentionally missing payments, but rather I simply don't have the money. I'm also behind on my other mortgage, with Wilshire Credit Corporation. Wilshire has called me several times over the past month, inquiring about payment. When I explained that I'm having trouble, and asked for an address to send my personal financial statement to, they provided it to me.
IndyMac on the other hand, doesn't have a human call me. No. Instead, they have a machine call me every few days:
"This is IndyMac Bank calling on an important matter. Please call us back at 1-800-781-7399, between the hours of 7:00am and 8:00pm, Eastern Standard Time.".
No repeating of the number, not even a "Thank you"! This morning when they called, I just happened to be near my computer and ran over to it to jot down the number. I promptly called them back, hoping to speak to a person who could give me an address where I could send my personal financial statement.
After the initial annoying menu options, I choose the option to speak to a representative. It then tells me my account information has been located based on my phone number. How is that possible? My caller ID is blocked. I am then asked to enter the last four of my social security number for security purposes. I enter the numbers and am told to wait for the next representative. Then I hear this:
"I'm sorry, we're unable to take your call right now. Please try back later."
And the call drops!
So I wait 15 minutes and call back. This time, I don't even hear the friendly message telling me to call back. This time, after I'm told to hold, the call just drops!