MIAMI -- I opened a bank account online and I put money on it. 5 days after the account was locked. The bank didn't even notice me of anything. I called BA, a representative told me that I had to go to an agency during the pandemic to show my ID. When I got there a representative told me that my account was actually canceled and they issued me a check with my funds, that I will receive in about 5 business days. It's not what the representative told me on the phone before.
I noticed that I also registered "my new bank account'' to receive the money from the IRS. I said that to the representative at the bank, he really didn't care. He just told me that I could open a new bank account with them and let me understood that otherwise, I could leave right away. As he was impolite and rude, I said no and I left. As a result, all my money was on hold during the pandemic, just when I lost my job. About 6 business days after, the check was not in my mailbox.
I called BA, one more time, to talk to a supervisor. I explained to her all the situation, especially that I needed my money asap. She just said ''you have to wait. It is our process''. "The check will be sent back to us in case there was a problem with the post office." She didn't even say sorry neither tried to find any solutions. She was like a robot reading some lines. I noticed, that I mentioned to all the employees that I lost my job during the pandemic, but it didn't matter to them. Today, I have to wait to receive my money, I can't pay my insurance and my rent this month. I don't even know if I will get my money one day. It is the worst experience I ever had with a bank in the US. Usually, representatives are professional and try to find solutions.
I've been a BoA business customer for over 19 years, I called to solicit their help processing a PPP loan application. They told me in no uncertain words they would not help. The reason they gave me was I don't have a business credit card with them. Since when is this a requirement. Needless to say I was upset. What a bunch of nonsense. No consideration for a long time customer. I'm pulling my account and telling everyone I know to do the same. So much for BoA being there to support small businesses in this difficult time. Guess their plan is to sink all small businesses.
USA -- I have spent all morning trying to find which non-BofA ATMs I can use (with my account Visa ATM card) in Vero Beach FL without being charged a fee. Neither the website nor representatives at the two customer service numbers I called could tell me anything at all other than nearby BofA branches. Completely clueless. I find this so surprising because my Citibank debit card is accepted at 6500 ATMs across the country including CVS, Walgreen's, 7-Eleven, etc.; even my Seacoast card is no-fee at all Publix markets. I wasted a lot of time but once I started the search it became a challenge. I will just use another bank card.
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.
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.
NORTH CAROLINA -- I lost my job of 10 years in November of 2008. My husband and I discussed the modification and decided to start the process in October of 2009. I filled out applications to be denied for months. This went on until I had a lady from Bank of America tell me that I would never be approved until I am 90 days behind. I was only 60 days. So I made myself 90 days behind and yep, I was approved. I received my trial payments in the end of October and made them Nov, Dec and Jan and started my new payment in Feb of 2011.
Everything was going just fine until June of 2011 when I received a letter stating I owed almost 900.00 in escrow. I called BAC and stated that this was added in on the modification and I was told no, this I had to pay extra. So my payment went from 703.91 to 784.57 until the 900.00 was paid off. In Dec of 2011, I got a letter in the mail from BAC stating that they have not received my payments from Sept, Oct and Nov of 2011 and if I didn't bring my account current in Dec of 2011, they would start foreclosure proceedings on my house.
I called the next morning and found out that all the money I have been paying all year long had been going into another account and not being applied to my mortgage. Almost 10,00.00 dollars. In the next couple days, I got some FedEx letter in the mail and the last one I got stated that there was errors in the first modification and that a new correct set of mod papers would be sent out soon.
I got those papers in Jan of 2012 signed and notarized them and sent them off. Made my payments. About four months later, I got a letter in the mail from BAC stating there was errors in the last modification and I would receive another set of correct papers and I did signed them and sent them off.
I am shut down at BAC, what I mean by that is when I call and punch in my Acct number, I am sent directly to my customer service manager which never answers her phone. I leave a message and when she does call me back, she never has any answers for my questions. My payment over the last three years went from 703.91 to 784.57 to 720.18 and now current it went up to 875.22. My interest rate started at 6.25 went to 5.25 to 4.78 and now its 6.5.
I am terrified I am going to lose my home because BAC is not doing the right thing. Every time they made a error on the modification, my partial claim went up a 1000.00 or more dollars. I shouldn't be charged for their mistakes. I can't get anywhere with BAC, it has been 3 years this month and the nightmare continues.
PALM DESERT, CALIFORNIA -- Bank of America has the rudest workers who are not helpful. The women working here are racist against customers and don't even want to help them. They discriminate people by looks. One woman whose name is Janece works at the bank doesn't want to help customers cash in a check and told them they are not allowed despite the check being made for the bank. Bunch of scammers, liars, and crooks. Do NOT go to Bank of America.
SPRING VALLEY, NEW YORK -- You will wait Looooooooong to get a Representative and at the end, they will NOT help you. Just say sorry, "Oh sorry, but I cannot help you for that." They don't know that you are a human person. If you don't have an account DO NOT OPEN ONE. If you have one I think to be on the safe side just close it.
WESTMINSTER, CALIFORNIA -- 28 min waiting time for a simple transaction: deposit. Aug 20 2019: more than 7 staffs for customers care. 3 tellers servicing 15 people. If you do banking with BOFA, 15 min daily wait then per year you are losing: 15 min x 6 days x 45 weeks = 4050 min/year (assuming we have only 45 weeks of 6 days in a year).