On Thursday, I had both a letter and (nasty) phone call from the bank which holds my home equity loan, telling me they've turned it over to collections for non-payment, docked my credit rating, and will (eventually) initiate foreclosure proceedings.

WTF? Not only am I not late on my payments, I've been prepaying the loan and was paid up through July.

I called, and they looked over the records. Oh, they said, it looks like there might be an error from when they acquired the old bank back in October. But that's not their fault, they said, the problem lies in the old bank's records.

After much yelling with the asshole in collections, I got them to review the records. I later got a phone call stating that they did me a favor by correcting them. (Yeah, screw you, too.)

On Monday, I'm signing paperwork to transfer the loan to my normal bank (National City), where I keep my checking and savings accounts and where they actually know me. It'll cost me about $30 extra per month, and there's a chance I might have to pay some closing fees, but you know... it makes me feel so much better to not be doing business with an unethical bank.