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Bank of America site down...aacckkk

Bank of America suffers Internet outage

Many Bank of America customers were unable to access their accounts online Friday when the bank suffered a major Internet outage. The main web site of the country's largest bank was only available to about 20 percent of customers in cities across the country as of 5 pm., according to a prominent Internet monitoring firm.

Bank of America spokesman TJ Crawford said the company had ruled out a cyber attack, but was still trying to identify the cause. "Some customers are having intermittent issues accessing the site," Crawford said.
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Interesting. I wasn't able to access my accounts from the web. However I used my BofA iPhone app and it worked fine.
 
I've notice the last couple of months that the bill pay is often down for maintenance or other reasons. I'd hate to conspiricize that this is an evil plan by bofa to cause people to make late payments, so I won't. But to be safe, I try to to schedule bill pay as soon as my statement comes in, rather than wait until the last minute.
 
IronWing said:
That's so last century.
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Yeah, but your bill would be paid because they must honor your payment by postmark.

Website down? They don't have to do jack squat. I will NEVER give up my paper statements mailed to me. I have a hard record that way.

If you rely on web payment that much that you can't even make a payment without a website or internet access, you're doing it wrong.
 
spidey07 said:
Website down? They don't have to do jack squat.
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That's an interesting statement. Given the push to paperless, how much can we really hold BoA (or anyone) for mucking up our timing with payments? though, I understand the argument for paying your bills ahead of time, there have been a time or two when I totally spaced, heh. And I'm not comfortably w/ auto-debit.

I will NEVER give up my paper statements mailed to me. I have a hard record that way.
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What's wrong w/ a PDF copy? So much easier and less space to maintain records.
 
randomlinh said:
That's an interesting statement. Given the push to paperless, how much can we really hold BoA (or anyone) for mucking up our timing with payments? though, I understand the argument for paying your bills ahead of time, there have been a time or two when I totally spaced, heh. And I'm not comfortably w/ auto-debit.


What's wrong w/ a PDF copy? So much easier and less space to maintain records.
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So much easier to just file it. Takes a fire to take it out vs. a hard drive crash. PDF is fine, as long as I have it printed out and filed.

Don't get me wrong, I do all of my banking and payments electronically. But I also have my paper statements as an easy backup and if there is a problem I just send a check. USPS is guaranteed, intarweb/website is not.

And legally - paper is much greater than bits and bytes.
 
spidey07 said:
Yeah, but your bill would be paid because they must honor your payment by postmark.

Website down? They don't have to do jack squat. I will NEVER give up my paper statements mailed to me. I have a hard record that way.

If you rely on web payment that much that you can't even make a payment without a website or internet access, you're doing it wrong.
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Incorrect. I don't know a single credit card company that accepts payments based on the postmark date. I believe the vast majority have to receive it by noon of the due date.

Or one could just have scheduled it in advance online. I haven't made a payment via snail mail in years.
 
spidey07 said:
So much easier to just file it. Takes a fire to take it out vs. a hard drive crash. PDF is fine, as long as I have it printed out and filed.
....
And legally - paper is much greater than bits and bytes.
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eh, I have three copies of my important stuff. it'd take a nuclear disaster in the DC metro area to take it out. wait, that might actually be plausible...

still working on a good way to to get it all online, too, securely.

I've always wondered how well my stuff would hold up in court. I'm being a bit naive/hopeful it will never come to that, heh
 
spidey07 said:
So much easier to just file it. Takes a fire to take it out vs. a hard drive crash. PDF is fine, as long as I have it printed out and filed.

Don't get me wrong, I do all of my banking and payments electronically. But I also have my paper statements as an easy backup and if there is a problem I just send a check. USPS is guaranteed, intarweb/website is not.

And legally - paper is much greater than bits and bytes.
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Can you provide a legal precedent that says a printed statement holds greater value in the court of law vs. an electronic copy of a bill? Not even to mention that you can simply print the paper out and you have somehting that is no different than the one you have mailed to you. Interested to see if you can back that claim up.
 
LikeLinus said:
Can you provide a legal precedent that says a printed statement holds greater value in the court of law vs. an electronic copy of a bill? Not even to mention that you can simply print the paper out and you have somehting that is no different than the one you have mailed to you. Interested to see if you can back that claim up.
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I'm not a lawyer, but my company's legal department insists on paper via snailmail or facsimile. It has always been this way across many employers and on my own. That is why a fax has much more legal weight than an e-mail.

E-mail is extremely easy to falsify. VERY easy.
 
spidey07 said:
I'm not a lawyer, but my company's legal department insists on paper via snailmail or facsimile. It has always been this way across many employers and on my own. That is why a fax has much more legal weight than an e-mail.

E-mail is extremely easy to falsify. VERY easy.
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So you cannot back up your statement and it's complete bullshit to say one has more legal validity than the other? Another Spidey special.

E-mail has nothing to do with paperless statements in general. Paperless statements are usually PDF documents or online documents via their website that you can download as files based. You can print that out and it should be the same as a printed statement from your creditor. More and more companies are pushing the move to paperless, so I don't think a court of law is going to deny a claim based on the fact you have a PDF version of the document printed out vs. an actual copy from the company itself.

Paper documents are also easily faked.
 
spidey07 said:
I'm not a lawyer, but my company's legal department insists on paper via snailmail or facsimile. It has always been this way across many employers and on my own. That is why a fax has much more legal weight than an e-mail.

E-mail is extremely easy to falsify. VERY easy.
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Print PDF then fax.

Everyone of my banks keeps 2+ years of statements online for downloading and if you need something later, they'll mail you it.

No different than you keeping all of your mailed statements somewhere.
 
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