Man Spends 7 Hours on Hold with Bank to Negotiate Mortgage Loan Interest Rate, Gets Offered 0.01% Discount and a 'Thoughts and Prayers' PDF
AITA for telling the rep to 'touch grass' after they suggested I just 'refinance with a different lender'? Like, bro. I'm stuck in a 7.5% mortgage loan interest rate hellscape from 2023, and this call center agent in Bangalore is trying to sell me on 'market volatility' vibes. TL;DR: Spent a third of my paycheck on interest last month, called to rate match, and got put on hold so long I actually learned the lyrics to the whole hold playlist—it was a banger about 'protecting your assets.' Finally got a human; they said they could lower my rate by literally a rounding error. Then they emailed me a PDF titled 'Financial Resilience in Turbulent Times' that was just a picture of a sad cartoon house. I replied with a 1-star Yelp review captioned 'Big Bank Energy.' DMs are open for loan shark recs.