November 29, 2025 at 12:15 pm

An Apartment Owner’s Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

by Matthew Gilligan

woman with a credit card

Shutterstock/Reddit

Well, this person sure pulled a fast one

And they were brave enough to talk about how they got some revenge on their bank after they felt like they were messing with their finances.

Read on and get all the details below!

Bank incompetence cost themselves 10’s of thousands.

“Many years ago I owned an apartment when real estate crashed (early 1990s New York City). I couldn’t sell it.

I was renting it out for less than the mortgage payment. When I tried to talk to the bank they said “you’ve never missed a payment, why should we talk to you?”

So I missed a payment.

I sent the rent I got to the bank but they insisted on either full payment or nothing.

So, my malicious compliance.

They were done playing around…

I sent nothing.

At one point the bank told me the reason I couldn’t sell it was I wasn’t asking enough money for it.

Both me and my attorney’s response was, ‘what the ****?”

When this first started I offered them a check for the difference between the appraised value and what I owed just to get it off my hands.

They said no.

They finally got rid of it.

Finally a year later I sold it for much less than I owed.

The bank accepted a check in the amount I originally offered but because of their incompetence never collected the years worth of missed payments.

When they tried to report to the credit bureau that they had foreclosed I disputed it since they never actually foreclosed.”

Check out what Reddit users had to say about this.

This person spoke up.

Screenshot 2025 11 14 at 8.43.40 AM An Apartment Owners Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

Another individual shared their thoughts.

Screenshot 2025 11 14 at 8.43.53 AM An Apartment Owners Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

This person shared a story.

Screenshot 2025 11 14 at 8.44.04 AM An Apartment Owners Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

Another Reddit user spoke up.

Screenshot 2025 11 14 at 8.44.14 AM An Apartment Owners Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

And this individual shared their thoughts.

Screenshot 2025 11 14 at 8.44.22 AM An Apartment Owners Bank Gave Them A Hard Time, So They Stopped Sending Monthly Payments And The Bank Missed Out On A Ton Of Money When They Finally Sold The Apartment Years Later

They played the long game on this one and they came out on top!

If you liked that story, check out this post about a group of employees who got together and why working from home was a good financial decision.