Job Story: Problems, problems as Bank of America Customer.....fashion website owner [Archive]

Unregistered

05-17-2004, 03:27 AM

I used to work for BOA also, and I can tell you first hand that they really sucked then, but have gotten even worse now. It IS almost impossible to talk to a human, hence the new Voice Recognition Unit they installed. They don't want to talk to you, as you are not important to them and it costs them money to pay someone to talk to you. More importantly, if it is hard for yo to talk to a Customer Service person, they hope you will get tired and just forget about it.
BUT, Bozos like the one that posted above calling you idiots, make big bucks for doing next to nothing all day and talking about how stupid you are.
And I agree with him. You ARE stupid, if you choose to bank with a bank that continues to screw you oveer and does not care about you and makes it alomost impossible to discuss problems/issues with someone who cares, rather than a computer chip.

If they screw you and you continue to bank with them, then just shup-up about it and keep making them(and the smart aleck that called you idiots) richer you IDIOTS!!!!

clksasy

06-08-2004, 04:12 PM

I have had nothing but major problems with bank,, I think there customer service sux sux sux on the Phone!!!!!!They want to do nothing to help you if problems occur all they care about is how to take lot's of money from you instead of helping you !!!!How ever if you go to your local bank itself they are more then happy to discuss the problem and help you BUt as far as calling the 800 number Let me tell you all your wasting your time,,,They are worthless people!!!!!I went to the bank when a problem occured adn guess what all straight they are the best at the local bank,,Don't waste your time w/ phone call...

Unregistered

06-27-2004, 03:49 AM

All banks suck!!!!!!!! there are frauds and liars! Dont trust any bank with your money!!!!!!!!

Unregistered

07-29-2004, 11:26 PM

Bank of america has a tendency to switch around purchases so that they can charge you as many overdraft charges as possible!!! I really recomend that NO ONE do their banking with them!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Unregistered

08-22-2004, 06:50 AM

my wife has an account with bank of america and after reading all the threads its the same bulls shit, we are having the same problems with our money being posted late and getting over draft fees for no reason. can we have a class action lawsuit we have other problems two our insurance was revoked because of them not posting our money in the bank on time so we asked for a letter wich took for ever to send to the insurance agent we finally recieved the letter, to our mistake we should have made a copy of the letter, we called back bank of america to get a second letter and every time we talk to them they label it our fault for having the insuficient funds. after they go into there compuiters and realizi it was there mistake they say they will send another letter but it has been weeks and we havnt recieved it.....

dsinnie

09-28-2004, 01:22 PM

Yeah it''s funny when you have a check card with specific times used and they still do that. I even have had them SPLIT i purchass on me once to get 2 overdrafts out of it.

Originally posted by Unregistered
Bank of america has a tendency to switch around purchases so that they can charge you as many overdraft charges as possible!!! I really recomend that NO ONE do their banking with them!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Unregistered

10-20-2004, 07:24 PM

I wish I could say B of A has bad service....they don't have bad service...they simply do not have service at all!!

It took me nearly one full year, dozens of letters and long distance phone calls (by the way, the CA branch has a phone number that cannot possibly be reached from an overseas number...convenient, eh?), simply to change the address on my equity line of credit. I spent two hours with a disbelieving manager in a branch in Seattle - trying to do this - and to her amazement (but not mine) we were unable to accomplish the goal. After over a dozen letters, faxes, phone calls, and visits, I was finally able to change one address....but don't think I accomplished my goal...oh no....my mortgage is still to this day listed as the wrong address!

I know this, because I just spent three weeks waiting for them to send me my money by check back for an insurance claim, that they are holding in a "no interest yelding trust account" (yea, sure!) to the wrong address! It seems that Canada is not a real country, or that they do not know how to mail letters outside of California. Believe it or not....NOBODY AT THE CALIFORNIA INSURANCE CLAIMS CENTRE IN IRVINE CAN MAKE A LONG DISTANCE CALL TO CANADA!! They promise to return my calls, and fail to, because "they're not allowed to call, or send emails, or send faxes, or....

It seems that they are so compartmentalized they can't accomplish simple things like mailing letters, changing addresses, or even talking to people (the average call leaves me hanging on hold for 30 minutes).

I cannot believe people still use this bank...I cannot believe that they still have customers...that people put up with this crap. As soon as I can get my mortgage out of the B of A brotherhood, I will, and good riddence.

Bank of America SUCKS!!!!

Unregistered

10-26-2004, 03:40 PM

<<<<esponse to:

Bank of america has a tendency to switch around purchases so that they can charge you as many overdraft charges as possible!!! I really recomend that NO ONE do their banking with them!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

bank of america elects to post the largest purchases first so that the smaller one can bounce at $30-33/pop, regardless of the order they come in. awfully apparent they don't care about customer satisfaction. any time there's an issue such as this, they blame it on me or the establishment, anyone but them. also, i use online banking, they list pending charges, but release them after 24hrs....so maybe you forgot about that $50 bucks you spent at the mall while reviewing your account and decide your $50 richer than you really are...you end up $30-33 poorer in the very least...so much for all this technological advancement.

p.s. i understand my responsibility to monitor and balance my account, but BOA should not post "available" balances that are just not accurate. score one for BIG BUSINESS>>>>

Unregistered

11-09-2004, 02:21 PM

They have sold my work telephone number to a telemarketing firm. wft? I get calls all day long now to buy crap. wff?

Unregistered

11-21-2004, 08:01 PM

I work for Bank Of America in the new accounts department. After reading a few of these posts, this is the one that took the cake.

Originally posted by Unregistered
<<<<esponse to:

Bank of america has a tendency to switch around purchases so that they can charge you as many overdraft charges as possible!!! I really recomend that NO ONE do their banking with them!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

bank of america elects to post the largest purchases first so that the smaller one can bounce at $30-33/pop, regardless of the order they come in. awfully apparent they don't care about customer satisfaction. any time there's an issue such as this, they blame it on me or the establishment, anyone but them. also, i use online banking, they list pending charges, but release them after 24hrs....so maybe you forgot about that $50 bucks you spent at the mall while reviewing your account and decide your $50 richer than you really are...you end up $30-33 poorer in the very least...so much for all this technological advancement.

p.s. i understand my responsibility to monitor and balance my account, but BOA should not post "available" balances that are just not accurate. score one for BIG BUSINESS>>>>

Let's say you use your debit card religiously as I do, you have a mortgage/rent check on the same day as all your debit card transactions. You have $1000 in your account, and your rent is, say $850. You have another $300 in debit card purchases that all come in on the same day (overdrawing your account by $150 for example). Their policy is to pay the items in order from biggest to smallest. It allows for your mortgage/rent check to clear without issues. So rather than you idiots complaining about how they like to charge for excessive fees, first realize that YOU need to keep track of YOUR purchases responsibly. We give FREE online banking with any checking account and we make it easy to keep track of your debit card purchases with a register specifically for that. I'll bet most of you have had a returned item because of this, but be aware, if they went the way the majority of you want it, it'd be the opposite situation. Your mortgage/rent check bounces because they paid the items from smallest to biggest. What kind of explanation are you going to give your landlord/mortgage company then??

Think about it.

doncat54

12-13-2004, 06:39 PM

my husband and i have had checking accounts with the bank that was community bank, then wortham, then boatman the regions, then at last bank of america. we have been with these institutions for 18 years. never had any problems until bofa. they almost wiped us out. we were an advantige customer. i had asked for a stop payment on a draft of 646.00. i received a statement from them confirming the stop payment. i knew at the time that if it went through, we would have over-draft. well, it went through. i didnt know this until i started receiving over-draft statements from the bank. i called them and they told me that on a draft electronicly, it sometimes went trough anyway. i called the company that took it out,(which i had asked not to remove it from my bank account when i did the stop payment)and asked them to put it back into my account. they did, but by this time i had so many over-drafts it was awfull. by the end of it all, we paid over-draft fees 31 times at the tune of 33.00 each. my husband took a payroll check into the bank of america to deposit it into our account. it was 753.00. i put this into my transaction manager. i wrote checks on it only to receive the payroll check back in the mail, saying they could not except the check because they did not recognize my husbands signiture. we are pissed

Unregistered

12-17-2004, 03:01 AM

After reading through this thread, I though I would pass along some tips which will lead customers of Bank of America or virtually any bank to NEVER pay an overdraft/insufficient fund fee again.

Secret #1
Have Lots of Money

Failing that :o)............

Secret #2
Link your Checking Account to your Savings Account Reserve

Secret #3
Link Your checking account to your credit card

Both Secret #2 and #3 are called "Overdraft Protection" and are free at most banks.

You will NEVER pay another Overdraft FEE EVER again

Hope that helps !

Unregistered

01-05-2005, 05:01 AM

Hi!

Why doesn't Bank of America know or care where its ATMs are located? The Automatic Teller Machines at the Cottonwood Mall list an address of "Rio Rancho." One of the ATM machines is right next to the Albuquerque Police Department! Obviously the mall is located in the city of Albuquerque. Mall businesses understand that Albuquerque, not Rio Rancho, receives a percentage of sales tax. I have called the Bank of America several times on this matter. They are big. They don't care. And, they don't have to. My attitude is that the receipts are wrong and should be corrected. We may be "over there some place on the west side," but we are not in Rio Rancho.

Thank you.

Andy Robertson
Albuquerque

Unregistered

01-05-2005, 03:43 PM

did you line of credit w/ bank one?

Unregistered

01-14-2005, 02:48 AM

Bank of America gave my information to a telemarketer. I can understand if they had just given my name and telephone number. They gave my account information and these people took money from my account without my permission!!!! Beware. I have heard many horror stories about BOA. Now I see.

Unregistered

01-24-2005, 06:50 PM

Has anyone had any problems getting deposits through thier B of A account? I've been waiting for $$ to show up since Jan the 19th $3400! but nothing. the online account where it came from shows Zero and B of A shows no additions however I have noticed that the "balance as of" line still says the 19th. Usually it says the previous day and now it's the 24th and I thought it was supposed to say "Balance as of Jan 21st" It's showing PENDING transactions from the 21-23rd ( atm ) But none for the Credit card type purchases made over a week ago or this weekend.

Has anyone else had this problem? or is it just me. I am starting to worry that they are keeping my $ for interest purchases or padding their quarterly reports or something. I am very concerned.

Customer Service on the phone is helpful ( at least for now - we are in Los Angeles) but the last we spoke to them on Friday they said they didn't even see anything pending deposit wise for our account.

Lost, Mad, Worried.
Any thoughts? Any employees know of any recent glitches that might help calm my nerves?

Thanks!

Robert

goodloveguy

01-25-2005, 10:16 PM

here s a bank of america gem: i was left standing in sub zero degrees with my 8 year old son during a small emergency in which i had to use my bank of america visa. i am authorized user, the card is in my mother's name. i also have power of attorney over all of her affairs.

i tried to use my visa card to get a measly ten dollars worth of gas because i had left my cash lay on my desk during a hurry-up and get here deal that should be familiar to all single fathers.

it was declined... the reason? the card was less than 60 days active, and i had accumulated a balance of 1300.00 in 12 days.

BIG DEAL! i pay off my balances within 60 days, as a rule. i never thought twice about using the card to clean up some small but neccessary debts, ( i thought that was why they gave us the card in the first place) and i also used the card for a couple of petty entertainment related things.

had it not been for my son having four dollars, and a bunch of change that was in my auto door, we would have been stranded miles from nowhere with no gas, in the middle of the last blizzard we got on feb 22-23, 2005.

i called the telephone center to make an inquiry into why it was declined, and i swear they treated me like i was a criminal or something, and forced my 81 year old mother to call the bank and verify the charges. how ridiculous is that.

the skinny is this: do not trust your bank of america credit line, because in my opinion, bank of america does not trust their good customers. my mother s credit is stellar, and this was outright unconscionable.

i will pay off the balance they were so concerned about, (1300.00)
by febuary 10th,and i will then close the account and i promise i will be the worst advertisement bank of america ever receives. end of story.

Unregistered

02-05-2005, 02:12 AM

I'm telling you - You really don't need to look hard to find stories about how Bank of America is screwing people with there $30.00 overdraft charges.

Something is very wrong here....Can you say class action!

Unregistered

02-16-2005, 07:53 AM

There is no explaination for ovd fees. It is a fee charged by every bank to make money off of your mistakes. This is as honest as you can get. You will find this at every bank, not just B-of-A. We do post things from largest to smallest. This is because we used to post from smallest to largest and got tons of complaints. Another thing to note is that here at B-of-A we will only give you 5 overdraft fees in one day, still alot, i know but any other bank would charge for the numerous things that came in. Not us, just the five whether it was 5 or 25. Also, if you only overdraw once or twice a year you will have no problem getting your ovd fees waived. We are on a tierd system. Your first couple times, $17.00 (perfectly refundable) , next 6 times $30.00 (gotta have a good reason), after that $33.00 (You should know better by now). But if you go a full year without overdrawing you go back to the beloved $17.00 level. It it fantastic considering most banks charge a flat fee of $35.00. Sorry you have all had problems, but we are and will continue to be a great bank. How do you think we got to #1 in the first place? :)

goodloveguy

02-16-2005, 02:50 PM

if boa is #1 then i guess citi group is just another onion in the bunch, huh?

Unregistered

02-19-2005, 01:58 PM

You got to be number one by raping the public and most of them being too stupid to know that you were doing it.

Originally posted by Unregistered
There is no explaination for ovd fees. It is a fee charged by every bank to make money off of your mistakes. This is as honest as you can get. You will find this at every bank, not just B-of-A. We do post things from largest to smallest. This is because we used to post from smallest to largest and got tons of complaints. Another thing to note is that here at B-of-A we will only give you 5 overdraft fees in one day, still alot, i know but any other bank would charge for the numerous things that came in. Not us, just the five whether it was 5 or 25. Also, if you only overdraw once or twice a year you will have no problem getting your ovd fees waived. We are on a tierd system. Your first couple times, $17.00 (perfectly refundable) , next 6 times $30.00 (gotta have a good reason), after that $33.00 (You should know better by now). But if you go a full year without overdrawing you go back to the beloved $17.00 level. It it fantastic considering mo

st banks charge a flat fee of $35.00. Sorry you have all had problems, but we are and will continue to be a great bank. How do you think we got to #1 in the first place? :)

Unregistered

02-23-2005, 05:30 PM

I have been banking with Ba for over 1 year now, and am planning to change bank ASAP. I never had a bank were customer service and honnesty is in the botton of their prorities. I requested the routing number correponding to my account for money I had to have for emmergency purpose. The BA customer agent not only gave me a wired number instead of a routing number, but the on top of it a wrong number. I have been calling BA for days trying to tell them of the mistake, i was pretty much told that it was my fault for not having my check book on me, and in addition was told that my money came and was return because i did not have the correct routing number. Even after they were aware of the mistake made by their own employee. They made me feel like a absolute idiot, and pretty much told me that it was my fault. I never experienced such situation, and now absolutly agree with all the horror stories I heard about this bank. I decided to give them the benefice of the doubt, after all they are the "n#1!!!"Bnak in the US. Honnestly, if that's the way they do business I guess dishonesty pay after all.
I will not recommend that bank to anyone, I might just be one person, but I am not the only one, and I also get my students loan through them well, that's it! we have other banks in this country, they might not be N# 1, but I am sure that i will find better service than BA.
If you care about your peace of mind, do not bank with Bank of america

obguy1

02-24-2005, 03:49 PM

I understand the frustration however the only way to not let the bank control your finances is to always have at least a few grand in, to play the float game with the bank is a surefire way to lose your money. If you have no money I think its foolish to put the peanuts in the bank.

Unregistered

02-26-2005, 05:16 AM

People have no clue...

I am a Bank of America customer. Someone I wrote a check to got my info and made some counterfeit checks with my info on it. They then made a fake ID and went around using them. Bank of America caught it before I ever did....THEY notified ME what was going on. The over $3000 which was taken out of my account was put back in a matter of days. I'm never going to bank with another bank ever.

To the guy who was complaining that his card was turned off because a lot of money was spent on it in a short period of time...be thankful they go thru strict security measures. You never know what might happen.

To the idiot who wasted a long distance call...why didn't you call collect? Most banks, including Bank of America, will accept the charge. You DESERVE to pay the long distance charges.

And as per the new voice-activated telephone system they have, it's understandable how less-intelligent people may have a difficult time adapting to new technologies. Having had to call them many times (per previously mention fraud) I discovered rather quickly that you can always say "customer service" to get a live person on the line.

Very few (though some) of the people here have legitimate gripes, most people here need to use their noggin a bit more.

Unregistered

02-26-2005, 05:21 AM

Unregistered

03-25-2005, 07:56 PM

"How do you think we got to #1 in the first place?"

Advertisements. And lots of stupid people listening. And an ATM on every corner.

None of these have to do with service. In fact, it takes advantage of people by using these, and really doesn't give a damn about humanities. They're just here to make money, just like every other schmuck corporation. Either via overdraft charges or via selling more savings and credit line accounts to avoid such overdrafts. B of A isn't the only bank, just the worst one. And because of said idiots, there are too many people overloading the system.

If there's ever a class-action lawsuit re: overdraft charges due to slow online banking, or anything remotely related, count me in!

I would love it if instead of going by largest or smallest amounts, they look instead at the date when the purchase is made. Things bought today should clear before things bought next week, regardless of the amount. This is how most people budget, the banks should coincide with that.

On the selling of personal info: When you opened your account, you had the option of telling them not to make your info available. If for whatever reason you don't tell them not to, they will. If there's a problem, have them change it. You can also put your phone number on the do-not-call list.

Unregistered

04-14-2005, 01:37 AM

Bank of America has gone WAY down hill. I used them for years after they bought out Seafirst. I never had problems until recently. Now suddenly they have decided that a check from my stock broker should be on hold until the check clears... that's fine except for that they want a rediculous amount of time for the check to clear. I deposited it on a Saturday and now they are telling me that I have to wait 10 days. I'm not an idiot, they clear these things right away. Am I to belive they straped my check to a camels ass and sent it to Texas for manual processing? They have told me it was because of "the patriot act", then another person told me maybe it was because it was for over 5k, then another person told me it would take that long and then once it cleared I'd have to wait another 24 hours before they would release the funds. When I asked why they said "because after the check "clears" it can still bounce for another 24 hours. Whaaaat?

I have perfect credit, I've never bounced a check in my 44 years of life, and have never even used over draft. I have a balance of 7,000 in my checking account and they are holding a 5k deposit for no apparent reason. My theory is that they want to use the money for their own gain, to make money with and show in their accounts. As soon as that sucker clears, I'm taking my balance to another bank. Problem is where to take it. Banks are full of money grubbing theaves and whores. Of course I don't mean the employees, I mean the people at the top making these decesions. The tellers have always been perfectly nice. Well except for maybe the B*i*t*c*h that posted earlier calling customers idiots.

My opinion... stay away from B of A.

Unregistered

04-21-2005, 06:55 PM

I work with Bank of America....If you idiots would learn how their banking works maybe u wouldnt have as many problems. Bank of America goes way over board kissing their customers asses all for nothing. Learn to appreciate the value of the service please.

I think this statement by a BofA employee tells us everything we need to know about the bank. The value of service? The person is complaining about the lack of service and rediculous fee's.

I have banked with BofA for over twenty years and am in the process of moving my accounts to washington mutual because they payed a bill out of the wrong account and then allowed me to use my checkcard on that account for three weeks without contacting me while I accrued a 30 dollar per purchase fee for having a negative balance. $270 dollars in fees accrued before I realized what had happened and after four phone calls and visits to my branch they only returned $60 dollors of those fees. Its a scam, and I am leaving them...

James

04-29-2005, 05:10 AM

How funny... I don't know how I finally ended up with these guys, and I don't care... I guess they're buying everybody up.

Thankfully my stint with them isn't lasting more than a couple months because I'm on to their crap right away. What a bunch of jokers. Number one my ass.

Unregistered

04-29-2005, 07:40 PM

It's not about trust, nor is it about ripping people off. With checking and online banking almost free at any major bank, Bank of America realizes you can move your money to the destination of your choice, the only way they can keOep you is with providing excellent customer service.

The only problem with this is that there is not an IQ test for opening a bank account. As you can see here there are about 25 negative posts, complete with spelling and grammatical errors. Then you must understand that there are over 15 million Bank of America customers world wide. Obsviously no system is perfect, and errors will be made at any institution, but if a mistake is made, and the claim is valid - the Bank will correct any such fees (simply to keep your business).

I am sure that the people reading this are upset due to declines or refusals to remove fees and other such requests. Screaming at a customer service representative doesn't give you any leverage, if anything it lowers your chances that they will work with you.

Contrary to popular elief, the call center workers don't get many incentives, especially not for things like fee-removal. Each month your account is placed with an arbitrary number of cash that we can credit your account due to courtesy. This ranges from zero to 78 dollars and it is designed to appease our ignorant, overspending, careless customers like yourself.

The bank, or any bank is an efficient machine that is successful for a reason. If you were charged overdraft fees, it isn't because the bank is "robbing" you, but rather because you failed to notice warning signs such as your checking account threshold or your credit line.

Your anger, although justified is simply an excuse to complain and shift blame rather than admit your own ineptitude.

Unregistered

04-29-2005, 07:49 PM

It's not about trust, nor is it about ripping people off. With checking and online banking almost free at any major bank, Bank of America realizes you can move your money to the destination of your choice, the only way they can keep you is with providing excellent customer service.

The only problem with this is that there is not an IQ test for opening a bank account. As you can see here there are about 25 negative posts, complete with spelling and grammatical errors. Then you must understand that there are over 15 million Bank of America customers world wide. Although "idiots" may have not been the most politically term used earlier, there really are numerous customers that do not deserve use/abuse their own accounts. Obsviously no system is perfect, and errors will be made at any institution, but if a mistake is made, and the claim is valid - the Bank will correct any such fees (simply to keep your business).

I am sure that the people reading this are upset due to declines or refusals to remove fees and other such requests. Screaming at a customer service representative doesn't give you any leverage, if anything it lowers your chances that they will work with you.

Contrary to popular belief, the call center workers don't get many incentives, especially not for things like fee-removal. Each month your account is placed with an arbitrary number of cash that we can credit your account due to courtesy. This ranges from zero to 78 dollars and it is designed to appease our ignorant, overspending, careless customers like yourself.

The bank, or any bank is an efficient machine that is successful for a reason. If you were charged overdraft fees, it isn't because the bank is "robbing" you, but rather because you failed to notice warning signs such as your checking account threshold or your credit line.

Your anger, although justified is simply an excuse to complain and shift blame rather than admit your own ineptitude.

Unregistered

05-02-2005, 06:10 PM

I'll be removing my account from BofA as soon as I return to the US. I haven't really liked their service prior to now, and only stayed with them because of the number of ATMs available, and partnerships with banks overseas that allowed for me to use certain ATMs without a fee outside of the exchange rate.

BUT... having had a fraudulent charge made on my debit card in Estonia while visiting there, and the ridiculous crap I've had to deal with since, it's pushed me well past the annoyed state. Let me just recap my experience here...

Pretext: I am currently living in France for a short period of time, and use BofA through their French partner BNP Paribus. I went on a trip through Scandinavia during the last week of February 2005. I made a purchase of 42.75 (USD) at a business in Estonia. Upon returning to my residence in France, and going over my statement online, I noticed the 42.75, and also a charge of 457.46 from the same place. Because it was a sunday, I didn't call about it until the next day, which is where we will start...

Step 1: I call BofA which is a trick in itself. NONE of their phone numbers listed on the website for international callers work. I tried from a landline, cellphone, payphone, and payphone with a phone card. The numbers are not in service. I have TWO phone operators, one for AT&T and one for France Telecom confirm this. I end up having to call in to BofA by using my T-mobile US number in my cellphone, which then is not free to me at all and is .99 a minute.

I eventually get through the gauntlet of idiots that's only job it seems it to transfer me around after asking me how I like living in Paris. Finally I get to the fraud department, where I expain everything, and give all of my overseas contact information for them to mail me an affidavit. (I had already told them I was going to be overseas for 6 months, which is why they didn't lock the card immediately). I get off the phone feeling good, that they have my address, phone numbers, and email. I'm made to feel even better when they give me a courtsy credit for the amount in question.

Step 2: Three weeks pass and no affidavit had arrived, when they reverse the courtesy credit. I call in immediately to find out what is going on. I'm told, that the mailing department didn't know how to mail overseas the affidavit was never sent! What?! This company can't mail internationally?! This seems highly unlikely, but whatever I'm more concerned about resolving this. The guy says he can have it faxed to me, but since I don't have the fax number with me at the moment he gives me his work email so that I can email it to him and he can fax it out later. I email it to him first thing the next day. I never hear back from him, and never receive the fax, I even emailed him a second time to see what the status was. Never heard back on that either.

Step 3: Email BofA via it's website. This I know is a waste of time, and sure enough that's confirmed by the fact that I never received anything back, and still haven't.

Step 4: Call in again, with the same fun and run around. Get a new guy, who after seeing that the last guy never faxed anything, promises me he's "going to go upstairs to the third floor and make sure it's faxed that day". That never happens either, and of course I never get contacted to try to resolve the problem.

Step 5: I call in again a week later. Aother person is sorry to hear what I've gone through and is glad I'm a customer and wants to correct things for me (I wish they wouldn't even pretend that's true at this point). She takes the fax number again and tells me she'll make sure it goes out later that day. I called her at 8:30am EST, and sure enough, nothing came of it that day.

Step 6: I resolve to simply call everyday until someone actually does something, and treats me like the 7 year customer I am! I call AGAIN, this woman can't find any record of any calls aside from the initial one with the failed mailing, and the one listed in step 5. Thank god I keep track of all of these things and have a phone record to back it. She has me fax her office directly with all of the needed information, but says that they can't do any kind of credit without the affidavit (how cnovenient is that?).

Step 7: As a means to simply vent, I file a complaint with the BBB.

Their method is pretty straight forward to me, since I deal with insurance adjusters everyday and they are trained to work in this same manner. Basically, BofA doesn't want to stick their neck out for a customer, and hopes that you basically will get tired of complaining and give up. Secondly, they give you a bit of honey inthe beginning (the courtesy credit), but will find any excuse to reverse it and hope that you either won't notice, or will fall into the rut of complaining and giving up as mentioned above. It's simply not in their interest at all to resolve any of this.

But as I said in the beginning, they've lost my business. It's only two more months before I go back so I can open an account elsewhere. Pretty damn stupid on their part, with me being a customer of 7 years with no complaints lodged directly with them.

Unregistered

06-26-2005, 08:21 PM

I was fleet costumer for almost 4 years, during which time the service provided was of excellent quality.
now this crap. Its only been a few months or so and i'm getting ready to take my business elsewhere already. The icing on the cake? I went through four different tellers in Seymour connecticut before i found one that could help. (two trips during the day when i should've been at work). finally we work out what appear to be "computer glitches" and i return home slightly at ease. until i'm in the check out line three days later. declined. back on the phone i find out that my card might be stolen so it was placed on a deposit only status. ok, i think to myself, mistakeas happen. I pollitely informed the woman that it was in my back pocket and then i explained my displeasure with the fact that nobody thought to call and ask if my card was stolen and i ask if shee could fix the problem - she can't because she is only a phone banker and i have to go see a real banker. so thats tomarrow morning. a litle more time off work back in seymour connecticut. and as soon as that is all set i'm heading to a new bank. any suggestions?

Unregistered

08-22-2005, 06:23 AM

IF CUSTOMERS WOULD ONLY KEEP TRACK OF THEIR ACCOUNTS THERE WOULD BE NO PROBLEMS. I JUST HEAR COMPLAINTS ABOUT OVERDRAFT FEES. HELLO ALL BANKS CHARGE IF YOU OVERDRAW YOUR ACOOUNT, ITS COMMON SENSE. CUSTOMERS SHOULD USE ONLINE BANKING. RIGHT THERE THEY SEE WHAT CAME OUT AND WHAT WENT IN. ITS AS SIMPLE AS THAT. BY THE WAY B OF A RULES! STOP HATING U WELLS AND WAMU WORKERS THOSE BANKS BLOW.

Unregistered

10-19-2005, 08:51 AM

I work for Bank of America, and if the bank is really as bad as you all claim, then please explain to me why it's the LARGEST bank in the United States?! Why would a majority of the world bank at a bank that truly cheats it's customers? Seriously, you all are just poor, jaded idiots that don't know how to balance your checkbooks, overspend but dont want to suffer the consequences. You all really need to get lives and stop complaining over shit that's your own damn faults! If you don't overspend and actually balance your checkbook, you won't get charged.

Unregistered

11-07-2005, 03:41 PM

i also work for bank of america and i too think it sucks horribly not only for customers but for employees also..what they should have told you was to take the check to the bank it was drawn on...(the bank listed on the ck. and to bring the cash back to bring you rbalance up to a higher to avoid the deposit hold. cash is available immediately...i dont see how these people work for b of a for 40 yrs...there retirement dept sux ass from what i have heard also..you work there for 40 yrs and the have to wait two years to get someone on the phone to tell you you can retire it is all bad management and the region can stick it..

Unregistered

12-09-2005, 11:03 PM

Bank of America is biggest crooks of all banks. My advice to everyone is to find another bank, stop your direct deposit ,cut your debit card and close your checking account

BeatingHeart

12-10-2005, 05:33 PM

Have you ever gotten your money back or your fees dropped? I have had nothing but problems with BofA as well and I just want to close out my account, but I can't do that and expect to open an account at another bank when BofA lists me as being negative.

So here was my more recent problem...

My rent was coming up and I had well over the amount of money in my checking account to pay for a small meal that I purchased before I went to the bank. When I got to the bank, I told the lady at the desk, "I just purchased a meal, could you tell me how much I have left in my account?" She told me that I had $164 and asked me if I wanted to withdraw it. I told her yes. So I withdrew $164 from my account and the moment I got home, I checked my online banking because I had a feeling that there would be some kind of problem of course. So I checked it and it said that I was negative $164. I was outraged, but I decided to calm down and figured it was just a small error that would be corrected. A week and a half later, it's still there.

I also found out that the lady told me my total before the purchase that I made so then I was charged for overdrafts. I can understand if it didn't show up in their system right away, but if that was so, the representative is well aware of that and should have let me know if that were the case instead of just telling me my total.

So that was the last time I used my card, a week and a half ago for a small meal. They make me scared to use it and they make me scared to put any money into my account because I feel like I am being robbed.

I want to close out my account, but I can't pay these ridiculous fees anymore. It's breaking me. If I were to speak to a manager at the store Monday morning and explained my situation among talking about all of the bank's history with problems, what are the chances that the fees will be dropped so that I can close out my account?

Unregistered

12-16-2005, 01:01 AM

im a cool business man and i want to know about this site

Unregistered

12-16-2005, 01:07 AM

Originally posted by Unregistered
You got to be number one by raping the public and most of them being too stupid to know that you were doing it. i need account number and the address of the bank with the full detail of the account both the name of the owner and the bank i want to depost my money order in ur bank

Unregistered

12-19-2005, 07:51 PM

To the guy who called us idiots...

I spent at least 9 hours on the phone with Bank of America this month alone... trying to fix glitches caused by incompetance on the part of BofA employees!

and on top of all of it is the fact that you can't sent a letter of complaint longer than a certain number of lines!

So, you can use up my time, but I have to adhere to yours... and I am a merchant customer...

Unregistered

12-22-2005, 03:51 AM

I am also an employee of B of A and can say that I agree that customer service has declined. We are forced to stand in the lobby and are unable to leave our post to take care of a customer unless someone else can replace us on the floor!! How come everyone forgot to mention that??? Please don't crack jokes about being matr d's etc.. We are physically exhausted from doing this!!!!

Anyway, as far as overdraft fees, all banks charge these fees. The bottom line is, it is your responsibility for keeping track of your balance. Yes.... this includes your debit card purchases. All branches can provide you with a booklet that you can keep in your wallet to keep track of your purchases. Please do not blame the bank your failure to balance your checkbook. If you took the time to balance your checkbook (you can do this daily with FREE online banking) then you would not be overdrawn.

Unregistered

02-21-2006, 04:54 AM

testing

LEBupp

04-07-2006, 04:33 PM

NOTE: MIKE JONES IS NOT MY REAL NAME. I ONLY USED IT FOR AN EXAMPLE.

I have been with BOA for 4 years. I SHOULD have been with them for only 6 months. When I changed jobs, I had to resort to depositing my paychecks into the ATM at BOA due to my odd and very difficult schedule. the first 3 months at the company I had no problems. Then, I finally had a weekend off and was planning to take a weekend away. When I went to withdraw money from my account, I was in shock that my acct was NEG $700.00. When I checked with the bank, my deposite was rejected. The reason? "Payee Not on Account". Doing some further checking, the payroll dept had been issuing me my paychecks without my middle initial. Therefore, BOA declined and rejected the deposite. It took over a week for me to get my check back in the mail. BOA would NOT refund any of the NSF fees, which totalled well over $400.00.

At times I do work on the side. I do odd jobs and the like to make extra money. Occassionally people who write me checks for the work I do. 3 times BOA did the exact same thing. They returned my deposite of those checks stating, PAYEE NOT ON ACCOUNT. It isnt a far stretch to figure out that Mike Jones is the same as Micheal Jones. Or is it? Must be for BOA.

After the 3rd time, I went to a branch to straighten out the mess once again. The manager of the branch told me that when someone writes a check to Mike Jones, I should sign it, Mike Jones and then sign underneath, Michael Jones to indicate I am the same person. She was very appologetic and told me under her breath how "f---ed up" some of BOA's policies are and how uneducated some of the processors are.

Last month I again did some work on the side. My customer wrote the check out to me Mke Jones. I did what the banking manager told me. It was once again sent back to me " PAYEE NOT ON ACCOUNT". I can get no where with customer service. They are about as stupid as I have ever known in my life.

After reading some of these posts, I am understanding that I am not alone in this. I was also pleasently suprised to see that others see the same patterns as I regaurding stacking your account to get the maximum amount of NSF fees as they can get out of you. Anyone else ever see VISA/Debit purhcases appear imediately, only to disappear a day or 2 later, then reappear days later and overdraw your acct?

It almost seems like everytime I get close to getting ahead and saving some money or get myself on track financially, BOA has a way of throwing sand into the gears and I fall back another 10 steps.

If anyone else wants to contact me about this, please feel free. I intend to contact the Maryland Banking Commissioner, BBB of Maryland as well as sending letters to the President of BOA, Chairman of the Board AND each of the Board of Directors. I may even take this up with several gov. officials in the next week or so.

SGMD1

08-15-2006, 12:45 PM

Actually...you guys (Bank of America) are NOT number 1. I don't know where you got that information. Citibank is 33% bigger with $22 billion more in yearly capital.

amdevery

01-04-2007, 04:34 PM

Originally posted by Unregistered
Has anyone had any problems getting deposits through thier B of A account? I've been waiting for $$ to show up since Jan the 19th $3400! but nothing. the online account where it came from shows Zero and B of A shows no additions however I have noticed that the "balance as of" line still says the 19th. Usually it says the previous day and now it's the 24th and I thought it was supposed to say "Balance as of Jan 21st" It's showing PENDING transactions from the 21-23rd ( atm ) But none for the Credit card type purchases made over a week ago or this weekend.

Has anyone else had this problem? or is it just me. I am starting to worry that they are keeping my $ for interest purchases or padding their quarterly reports or something. I am very concerned.

Customer Service on the phone is helpful ( at least for now - we are in Los Angeles) but the last we spoke to them on Friday they said they didn't even see anything pending deposit wise for our account.

Lost, Mad, Worried.
Any thoughts? Any employees know of any recent glitches that might help calm my nerves?

Thanks!

Robert

I have been having the exact same problem with them. I am a student and I have BofA. I will be leaving the bank once my deposit posts. The last problem I have had with them was this. I mailed out a deposit on December 26th to Frederick MD branch. Mail only takes one full day to get there (my mother in law also lives there and I've mailed things multiple times to her). Now I do understand due to the holiday that it would take a day or so longer, but it has been 5 or so FULL business days, not counting holidays, and it is still not "recorded" as recieved. This check is for $3600.00, and its not the first time. I have sent checks to them, and its taken almost a full three weeks (business days) to even get into my account. The checks seem to skip over the "pending" and get directly deposited.
Also, I have made purchases with my check card, that go through at the store, but wait for another 2 weeks to get posted to my account, leaving me with fee's to pay that I shouldnt have to.

I think the bank is holding my money, using it for themselves and then posting it when they feel like it.

banker02

03-16-2007, 03:24 PM

Associated Bank is the same as Bank of America , they both suck lol :rolleyes:

WhatThe....

07-01-2008, 09:35 PM

Excuse me Mister Anonynomous "Bank Robber". I have the same issues as everyone else and as for the reply from Sweet Dreams about this being a Job site for posting things about Jobs, pretty soon we won't have jobs or be able to pay rent if BOA keeps this up.

How does a bank lose a deposit or for that matter not even post it especailly whena customer has the actual receipt that shows the deposit being posted by the machine and the teller.

Recently, i just got a pink slip form BOA with regards to what they call a Foreign Collections request in which they only gave me the pink slip as my receipt. Supposedly funds go through this process. Fine, but they never even posted the amount of the deposit into my account. EVER! And they still haven't. Therefore the only record of the actual deposit is on the Pink Slip. VERY SCARY BUSINESS!!!. The last time I received a PINK SLIP, was in high school for detention.

Not to mention, now the corresponding bank has been nice enough to verify through the party who wrote the check, that they have cleared the funds and informed BOA of this. BOA told me that the bank had not informed them. The payee was nice enough to send me a copy of the deposited check and proof that the funds have cleared the account. BOA had the nerve to tell me that I should contact the bank and tell them to call them to say that the check had cleared. This is after I ask my bank, me ,a "valued customer' by their standards, if they would please contact the bank to verify for me, i was told that this was not their responsibility.

I am in the process of taking legal action just to get my funds and get out of this bank.

jerryreliable

02-12-2009, 03:34 AM

So, about 6 months ago I deposit a decent cashiers check, over 90K, in my account, formerly NationsBank, now BOA. After the deposit, they tell me that the money will not be available for 14 days, but after one to four days I can get $1000 of it. Imagine!. The bank the check was drawn on was 4 miles away. So, I decline the deposit, and they say, too bad, we cannot give you the check back. So I go back to the attorney who issued the real estate cashiers check, and he stops payment and issues another. Then I tell my BOA that I stopped payment, and I am closing my account, but I left them $1.53. So, they then try to redeposit the stopped payment check and after three times, send me a bill for $140 for the attempts. I ignore it, and now it is in the hands of a collection company who calls regularly. (It is the principle of the thing, here!) So tonight, I get a second call from the BOA people regarding my airplane loan, now "overdue" 6 days, despite the fact that the payment was mailed on time. The caller wants a payment over the phone and $15 service charge, for a payment already paid. I am then told that each day the payment is deliquent, they charge an additional $14.92. Well, I tell the caller I will not authorize the payment if I have to pay the $15 fee, because it is all BS, (the principle of the thing again.) So he agrees to waive the fee, but in the meantime, I think, "This loan wasn't through BOA, it was through MBNA. Imagine! The principal again. So I ask, what rate is the interest on this loan? The employee tells me 7.5%, but initially the loan was made at a fixed rate of 6.26%. So tomorrow, just what I feel like doing, I have to go pull the loan papers, and see what the hell is going on with this crooked Bank of America. Since I made the loan through AOPA, I have emailed them, but then I queried google for Bank of America Problems, and here I am. I do business with three other banks. None are the crooks that this bank is. So as I read all your posts, I say that I am with those posts that have a beef with this disgusting organization called Bank of America. They aren't part of the answer, they are part of the problem. And I understand how they got to be big, greedy, big, greedy, crooked. They have a problem, and if I am right, they will soon have another airplane.