Our local bank got bought out several times and would transfer accounts to the new owner -in this case Skank of America. In addition to my accounts, I had a credit line with Skank Of America when building spec-homes and used a piece of commercial property that we had a lot of equity in for collateral. Built my last house in 1999, sold it and paid my loan off in full at closing. The Skank of America then notified me that due to low interest my new rate would raise to prime rather than the 2% below I had always paid. I told them to close my loan account which they did, although, I kept some of my savings and checking with them. Fast forward 12 years - I sold the commercial property and the title insurance company noticed there was still a lien on the property. Huh? I contacted Skank of Americia to find out what was going on. They said I had no balance and the account was closed so there wasn't anything to release a lien on ??!! They would never let you speak to the same person and then started giving the same lie over and over that the lien waiver was in the mail to our county recorder's office. I ended up hiring an attorney who also became frustrated with them after 3 months of dealing with these morons in their Charlotte corporate headquarters. It took about 5 months to finally get my lien waiver thanks to my buyer's banker who knew someone that worked for Skank of America from years ago. She made the call and "magically" the lien waiver arrived at the court house 45 minutes later! Be sure you get your lien waivers from these dorks and that it has been recorded.
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