PLAINVIEW, NEW YORK -- I have had more business with Bank of America and they are horrible. I still have a home equity line of credit. I make many payments different ways to pay down the loan online by transferring into account principal only. Directly at the teller. Also use Chase Bank bill pay which mails Bank of America paper bank checks. I use the same system each time with the exact proper account # and PRINCIPAL ONLY printed on the check, same exact proper address because payments have been processed before here.
Their system is slow, delayed as it seems the department receiving checks don't do their job. Currently I have over $33,000 in 2 checks that should have been received by them and they don't know anything, unaccountable for anything. Call customer service which is answered by unhelpful morons. BoA doesn't care about customers at all.
DO NOT BANK HERE for credit cards, loans, personal or business accounts. I called customer service. Asked specifically about each check amount, do you have these. I got every answer about nothing but the question I asked. This was on my second call.
The first call was also unhelpful. Claimed we don't have the check to transfer me to bill pay which is not a department anything to do with this, actually transferred me back to the same system again. Provide my account # and last 4 social to be on hold and finally get picked up to a person asking all the same questions again, account #, last 4, property address, wasting time again to still be unhelpful or concerned why their system doesn't apply mailed in bank checks promptly and accurately.
How would they ever fix any issue if they don't train service to listen to customers about the issue. This bank is the worst. Stay away from them. I guess I wait uncomfortably while over $33,000 in 2 bank checks float around. Btw: This is a history of this all the time with this stupid bank.
PHOENIX, ARIZONA -- I am so annoyed with their hold time which is longer than an hour some days. You can waste a whole lunch a whole day on the phone with Bank Of America. You can't reach a human without jumping through hoops and if you don't have your debit card or personal information it hangs up. That is extremely hard when you don't have a debit card because it's on it way in the mail. I am so tired of BOA that I wasn't to switch back to Chase. I am currently on the phone with them on hold and it's 56 minutes and 08 seconds right now and it didn't give me an option for a callback.
I think if you need to speak and handle things with a bank representative customer service then take the day off because you'll need the whole day, also you can't speak to a representative or customer service representative on the weekends or when bank closes. Chase you can they have reps customer service line even after bank closed or on weekends. People work, how do they expect for us to get things done if they don't have customer service available after hours or weekends? It's a bunch of bull and I'm livid. HATE BOA!
MIAMI -- I'll make it as short and sweet as possible. I'm a current customer of BAC. Checking acct. a mortgage, car loan, and an investment account. Applied for a mortgage for a second home that I am more than qualified for. I have a 780 credit score. Unfortunately I had a hardship a little over 6 years ago and I was more than 120 days late on a loan, but that it. By the way, that situation is still my current loan. Since then zero issues. I was denied because one situation.
So, unless you are a Saint or a robot don't waste your time with Bank of America besides their high fees. The underwriter will stomp on your file and put it in the garbage. Interesting note as well. I have been with Bank of America since 1992. So if they treat their current customers like this, imagine any new ones? There are lots of good online lenders out there. Do your research and stay far away from Bank of America. I will be also taking my accounts outta there very shortly, but felt compelled to spread the word first.
SANTA ANA, CALIFORNIA -- I started working speculating of making money for my future, things haven't worked this way, one thing I was sure is that, opening a bank account at Bank of America will help, and that really happened, at least for some time, then, the overdraft with a day, I can't stop payments since it is electronic they say, that was I good communication after all, it make it my fault to be overdraft.
But the truth, the bank use to reflect small transactions after a major transaction, it is a fact that the bank uses this practice to overdraft for more item at once, even when the small transaction should be covered without problem, but placing it after the big one, there is no escape for client, it is when the problems begun, I still remember trying to settle my debit with the bank, wasn't possible.
I still with Bank of America, still with red numbers and the possibility of working with this institution is negative, after all, a $35.00 dollar overdraft transaction as more value than an old client, the overdraft applies even with few hours that you got deposited cash. The communication was good, now it has decreased overtime, now when I call consumer services, the new voices at the phone make me feel less than a second category citizen, it is truth that they are making more money than me, but part of that salary is because I'm one of the numbers we represent to them. Hope Bank of America go back on track a little be and we all feel like we are a human beings the them.
I have accounts with them for almost 10 years, I hated it their customer service! Worst one ever. I don't know what's their problems, I'm not recommending their services and banking to anybody, I stopped using their credit cards already! The only reason I can't close my accounts with them, it could drop my credit score. I will not close my credit cards, but I'm not definitely using them so they can't make money from on us! I just had conversation with a supervisor from California called Steve ** (not sure about his last name), he and his representative didn't even understand my situation, which was not common at all, basically didn't want to help me!
Listen to your customers dear Bank of America, you have been losing a lot of customers because of these type of people, let me repeat. I will not recommend your bank and services anybody, so you lose money and value! And that will happen for sure. I can see that when I look at these reviews! Folks stay away from Bank of America and their all services, do not get loans, credit cards, bank accounts, retirement accounts with them! They are horrible at customer service. They only care about the money. They make more money!
INDIANAPOLIS, INDIANA -- After using BoA for few years, they charged me so much money on maintenance fee every month, while other banks don't do that. I decided to close my account. After talked to an associate, they convinced me leave the account open, and they don't charge any fee.
So, today is 06/25/2018, I accidentally logged in my account (after around 6 months), found out I have been charged "maintenance fee" for 3 months. This is stealing, and I decided to call them again. After waiting for about 50 minutes, I finally had the chance to talk to a customer service agent, they said they sent me letter in the mail in January about the fee will be charge for everyone. NICE!!! and the fee is non-refundable!!! NICE! Decide to close my account for good!!! People, go to Wells Fargo! They have way better service and fee!
VIRGINIA -- I highlighted a Visa (Bank of America) charge as fraud, then 2 days later reversed the fraud charge. Bank of America Existing Fraud Dept said it would take up to 45 days to reverse the charge of fraud and pay the vendor. This occurred on June 20. As of this posting, Oct 2, the vendor has not been paid. After two months I paid the vendor $420.02 by check, because he was small and I felt responsible for the payment. He promised to pay me back when the bank paid him.
I have escalated this issue to four different managers within the Existing Fraud Dept of BofA: Rashana, Raphael, Zeke, and Susan **. In each case this manager promised to take action and keep in touch with me on the issues/progress. None did. The latest one, Susan **, even provided me her last name and private phone number. Two follow-up calls to her over last two weeks have gone unanswered. Requests for the name of the department head were ignored.
For me this is a case of being too small of an issue for BofA to spend time to fix. I have no recourse except to wait, and wait, and wait. I have no confidence whatsoever in BofA of which I have been a customer for almost 50 years. Individuals do not carry enough clout and cannot make enough noise to be heard for banks this large.
JOPPA, MARYLAND -- So my wife received a bonus check for 30000.00 dollars. We deposited into the ATM at the Joppa, Maryland location. We looked at our bank account online the next day and noticed they approved then denied the deposit. We called the branch and asked why they denied the deposit, the manager stated that the amount of the check was too large to deposit through the ATM. We asked where the check was, they said, “we don't know because our ATM's are not serviced by the branch.” They said that the checks are picked up daily then shipped or mailed to the Phoenix Arizona location.
They said we need to call the customer service number to find out any more information. So we called customer service and they said that they had received our check and we would get a letter explaining that they have the check and would be mailing the original or a legal copy of the check. We called other branches emailed complaints for days. Then we talked to a manager at another branch and he said that The customer service reps read that line from a script(we have received your check and will be mailing it out in 7-10 business days).
So after calling and calling and complaining, we finally received a call from a representative from the department in charge of receiving the checks. The representative said, “Ms ** I am sorry but we have lost your check. We have been looking for it since you called customer service 11 days ago. We have searched all the bags from your county ATM locations and we cannot find the check. We are very sorry,” he said.
So this gentlemen said he would make it right by mailing us a negotiable copy that we could cash anywhere without any issue. The copy was sent FedEx overnight delivery. When we received it, it was a copy on a piece of paper printed from a regular printer. Just a scanned copy from when it was deposited via the ATM. Bank Of America is the worst bank in the World. Their customer service is terrible, they lie and will tell you what you want to hear. I advise anyone banking with them to close their accounts and seek better service at PNC or Wells Fargo.
My husband and I are retired military. My husband is disabled due to a brain injury in Iraq. This is an account of how Bank of America uses the making home affordable program as a scam to get your home. It started when my husband had retired, his disability income had not come in yet and we were having difficulty making our monthly mortgage payments. Though we were not behind, we talked to representatives at B of A and they suggested we apply for the making home affordable plan.
For the next few months we faxed, FedEx'd, and phoned our information that they requested over 10 times. Also during that time, they said I could no longer make my payments over the computer and that I would have to either mail in or phone in my payments. So each month, I would call in, ask what I needed to pay, and they would give me a figure which I would then give them my debit card info. For a few months, they advised me that I needed to make trial payments which were $200 less than my regular mortgage payment.
After a few months, they started to inform me that I was behind. So I began to call every 2 weeks as they instructed to get a status and was told that I was behind due to them putting the partial payment into a holding account. However, when they started telling me that I was behind, I started making my regular loan payment amount plus extra to make up the past due amount. Then we got a call saying that we were in foreclosure and that they could sell our home as early as the next morning. Scared, I made some phone calls and got hooked up with Novadebt.
After speaking with them and having the representative from B of A on a 3 way call… we got the run around some more, they kept telling us conflicting information, but then assured me that I was not in foreclosure and that if I continued to make my regular monthly payments plus extra to chip away at the past due, I would not go into foreclosure. Well, that was last month. As of 1/25/11, I was informed that my home had gone into foreclosure and they would not accept anything from me other than the total amount past due plus lawyer fee's and that they would have to order those figures and will fax them to me in 3 business days.
So basically, after working with B of A for 1 year, calling each month, doing as they instructed, and never getting the same information twice, I am now in foreclosure and have to come up with a large sum of money next week to keep my home. This is very disturbing to me that they would treat one of our nation's disabled vets is such a dishonest manner. Keep in mind that we never missed a single months payment and only did what they instructed us to do and now they are trying to take a home away from a retired vet with a brain injury.
B of A has left a really bad taste in my mouth and the fact that they are using the making home affordable plan as a front to steal from honest Americans and take their homes from them is extremely foul on so many levels. Please, email me with your comments, I would love to discuss this with someone.