Bank Of America Reviews

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Bank of America

My wife called BOA to lower her interest rate which is 24.25%. We have good credit and since I pay the bills have not had a late or missed paymet in well over three years. The sale rep stated they do not lower interest rates. They offered her a 'refinance' where they transfer an amount into our checking account and then it is paid off in one year at 0% interest. Oh and this offer was only good for the next one hour. After consulting our financial advisor (because this made no sense to me), we find that BOA makes their money this way. A) They loan you say $5000 to pay off your card,then you actually owe then $10,000 granted at 0% (FOR ONE YEAR) B) Any further charges on that card are not covered by this loan and charged THE HIGHEST INTEREST RATE ALLOWED BY LAW. C) If you don't pay it all off in a year the balance goes to the maximum rate I just cancelled my BOA card and we are refinancing through a local loan shark. His rates are MUCH BETTER THAN BOA
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ID
#108870 Review #108870 is a subjective opinion of poster.
Location
Herndon, Virginia
Product
Bank Of America Credit Card
New Reviewer

Jeannie Won

jeannie won, manager of laguna beach band o america is the most arrogant, rude, power-hungry employee that i have ever met at bank of america! i have banked there since 1986! time to change home banks! the laguna beach branch is a big training center with revolving door employees. all managers in the past have given service that exceeds expectation. the bank that the check that i was trying to deposit guaranteed the check was good and the money was there to make the check, she wouldn't even call to confirm, wouldn't come out of her office until i wouldn't leave without talking to her. worst treatment in 20 years!
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3 comments
#1326

Why did this website **** out the word B-U-C-K as in Pass the buck? See previous comment of mine....

#1325

I was recently let go from my position as a CSR at a BOA credit card call center. Yes, my monitored statistics kept me from remaining in good employ with BOA, although I had received accolades when I was employed with Fleet, before the merger.

They wanted us to limit our phone talk time to an AHT(average handling time) of 214 seconds per call. I was used to servicing the customer to the best of my capability with Fleet, and tried to maintain the same level of service with BOA after the merger, but my AHT was 300 seconds per incoming phone call. I was told by a coach that there was such a thing as being "too helpful to the customers." My other stats were perfectly acceptable. But I was treated as a "digruntled employee" although my disposition reflected someone who tried their best.

(I was frustrated with my inability to lower my AHT.) I was very loyal, called my manager if I rarely was to be late due to traffic or weather, and did not abuse the system. To manage their AHT at an acceptable level (the 214 secs) I found that many customers were just being blindly transferred by CSR's so the CSRs wouldn't suffer high avg. handling times. I felt uncomfortable giving customers "short shrift" and suffered for it.

CSR's were encouraged to keep the phone calls as short as possible. The pressure at that center was extremely high for the pay, the morale low, the turnover high, and the rate of retaining their best employees was extremely low. They fired 11 managers in one day. Later on a higher-up had visited the site, and found the morale to be low.

I had to chuckle to myself. The higher ups were very out of touch with the CSR's. There was never any acknowledgement of the difficulty of this job.

The only way these team managers/CSR's keep their jobs is by passing the buck.( No pun intended)

So, unless you have a great deal of high volume accounts with Bank of America ( you heard it from a former employee), I'd say bank at a credit union or at a smaller financial concern. This bank really doesn't value its majority of customers, although they'll beg (pun intended) to differ.

#686248
@PissedConsumer1325

I have experenced this. BoA paid the wrong insurance company $1200 and would not correct the error and inposed its insurance when mine was cancled.

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ID
#108748 Review #108748 is a subjective opinion of poster.
Location
Aliso Viejo, California
Service
Bank Of America Manager
New Reviewer

Bank of America Complaint

I just started having a problem with BOA, posting my payments to another account and trying to sort it out with the Bank Manager. It was funny to see her trying to get thru the chain of different offices and people and the number of times whe was disconnected or put on hold was crazy. After that meeting, I just happened to start searching the web to see if others had the same problem. I am startled to see that BOA is in trouble with its customers. Complaints all over the net on this company. What the heck happened to this bank.? I readying that even if you go a legal complaint process your chance of success is nil. You know, I am going to cut my losses and my desperation and change banks asap. How can so many people be wrong or insane and secondly, who has the time to sit and write-up a complaint on the net unless your frustrated with the system. Today, no one has time for anything, but work. One or two complaints is understandable, but when you start digging there are so many complaints on Bank of America. I beleive, once knowledgeable about a fact, you must take charge direction. Just an ego comment to make me feel good at this moment for being so ***. No wonder the stock in BOA is sinking.
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2 comments
#499241

I just had a horrific experience with jason joo at b/a in huntington beach on Algonquin.when I ask who his supervisor was he said he couldn\'t tell me because it was \"confidential\" and he smirked at me. He also would not help me with a transfer I had made via telephone, He was a total ***!!very patronizing.

Why is this person a Bank Manager? I have been with them since 1972....Thanks to Chad Combe at that branch eveything was straigtened out but when I found out the supervisor is Jeannie Won I just thought the *** with it. It won\'t do any good to speak to her.

I am slso leaving B of A now in 1999 I ran over $1,000,000. and quite a bit since then thru their bank...Do they care..NOThe very bottom line here is at Crank of America....NOBODY CARES!!Go to your nearest credit union

#499240

I just had a horrific experience with jason joo at b/a in huntington beach on Algonquin.when I ask who his supervisor was he said he couldn\'t tell me because it was \"confidential\" and he smirked at me. He also would not help me with a transfer I had made via telephone, He was a total ***!!very patronizing.

Why is this person a Bank Manager? I have been with them since 1972....Thanks to Chad Combe at that branch eveything was straigtened out but when I found out the supervisor is Jeannie Won I just thought the *** with it. It won\'t do any good to speak to her.

I am slso leaving B of A now in 1999 I ran over $1,000,000. and quite a bit since then thru their bank...Do they care..NOThe very bottom line here is at Crank of America....NOBODY CARES!!Go to your nearest credit union

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ID
#108464 Review #108464 is a subjective opinion of poster.
Location
Germantown, Maryland
New Reviewer

BANK of AMERICA gave my payment to another customer

in july of 07 i was on vacation and didn't want my payment.so i called and was given address to send in my payment.i sent in a check and a payment slip which i made with all my info . on it.of course i forgot to put my acc # on the check but it was on the payment slip i made.and someone at B of A put another customers acc.#or who knows maybe an employee's acc.# .i called told them what they have done and they said to send photo copy of check and they would fix the problem.i have written about 8 letters and it is now dec.,07 and with all the late fees and higher intrest fees . i now owe them a whole *** of alot more and they are messing up my credit. PLEASE HELP ME SOMEONE!!
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4 comments
#1814

Same here, not only did they send my payments to two other people, but they charged me late fees and balance transfer rates for "attempting" to fix it (which they didn't). They even acknowledged the fact that they had messed up but told me that nothing was going to happen.

#1698

join the club.my bal. was 4thou something now its 6 thou something.because they put my payment in somebody else\'s acc.it has gone up that much from late fees and intrest.its a rip off. good luck

#1188

I will deal with them. Email me pottershouse2000@***.com put bank of america in subject

#1181

will someone out there please e-mail these pissed consumer complaints. on bank of america .

looks like there are 5 of them. www.bankofamerica.com they donbt seem to be excepting my emails.thank you.have a good day.....from ,still pissed

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ID
#108402 Review #108402 is a subjective opinion of poster.
Location
Honolulu, Hawaii
Product
Bank Of America Credit Card

Bank of America Credit Card Calls Customer a Liar

Hello, I have just spent over an hour on the phone with Bank of America for the 4th time in 3 months. All because they will not remove a penalty from my account that was THEIR fault. Now they are charging my monthly min. payment DOUBLE and refuse to change this. Contact: Teresa Rager: Senior Acct. Manager Customer Satisfaction Office: Morgantown, W. Virginia her boss: Dave Keener It all started in Sept. when my online statement reflected TWO min. payments due. I called customer service and a human being told me that it was a mistake and to disregard one of the payments, making only one payment reflected. THEN my card went haywire; late fees, penalties, etc.... I've called in and the finance charges were reimbursed but the PENALTY has stayed on the card for late payment. The customer service person never recorded the call and now its my word against Bank of America as Teresa Rager does not believe I called in and will not make the nec. changes to delete the penalty. As a result I will owe of 14.99 percent of under $10,000 a minimum payment of $325.00 PLEASE HELP .... I'm being squeezed and I have an excellent track record with B of A. I don't know what to do!
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2 comments
#3421

I agree with BOA horrible customer service. They do call you a liar when you try to resolve your situation!

They also don't take the time out to listen to your side of the story.

Esp. Credit card dept.

#1236

Worst service from master card. Force me into some sort of protection plan which I never signed up for.

Now, I had to spend my weekeend to explain to the rep why I don't need the plan and convince him why I need to cancel it. I never wnated it at the first place. I feel like I was ripped off for a few months. Terrible ways to conduct the business in masetr card.

Very disappointed!

There is no differences from stealing from customers. Need better management for Masetr card services.

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ID
#107964 Review #107964 is a subjective opinion of poster.
Location
San Francisco, California
Product
Bank Of America Credit Card

Bank of America

Ever since Bank of America bought or merged with MBNA I have nothing but headaches with the online banking. I still, one and 1/2 or two years later, cannot access any features of my account from view statements to balance transfers. I have emailed twice and both times they said they were sorry and were working on it. For two years? My boyfriend's online bank of america account also does not work in the same fashion. We had thought maybe because they transfered stuff from mbna to B & A things got screwy, but no, my boyfriend got his account directly from B & A. Why cant they get it together? Are they not a large corporation? They cant afford IT support?
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ID
#107932 Review #107932 is a subjective opinion of poster.
Location
Chicago, Illinois
Service
Bank Of America Online Banking
New Reviewer

Bank Of America - bad service, unresponsive customer service.

They have 0 business understanding and all associates are the most difficult people I have ever dealt with in my life. I had charges come in when my account was negative and it charged me $35 dollar fee $700 dollar worth of times the charges that made it negative were not valid. I called to put in a dispute, but they looked at that as a fraud dispute and scheduled my account to be close. No one would assist me and they hang up the phone on me. I have tried everything and have gone negative in my business because of them. They are a cutless ruthless company they are not human but computers that don't think fairly. I have really been on the phone for 1 month and still no where.
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ID
#107853 Review #107853 is a subjective opinion of poster.
Location
Long Beach, California
Product
Bank Of America Account

Bank of America Credit Card Incompetence

My complaint deals with recent activity that has put me in a bad position where I am paying interest for something beyond my control. On my Visa, while I never got the statement I was waiting to pay, when something finally got to my home, it was showing late payment with fee attached. I angrily called and a Rep who told me to pay by phone. I gave him all my information including all of my account numbers at the bottom of my checks. He left out the "zero" preceding the rest of the nine numbers on my account. The result, my balance payment was returned for lack of a valid account information. I only found this out by opening an online account to view my balance due which hadn't changed at all. Instead lf going away, it grew in size with "punishment" added for my lateness. I called a second Rep on a later date who found the error and told me that omitting the "0" would make no difference, the account was in error "period". I asked to speak to her manager and the manager refused to talk to me. WHY? I need help from a competent well trained manager who can repair the damage. Ralph De Soto (909) 931-**** In short, if a substitute letter carrier during the days around a holiday delivers my statement to the wrong address and it is mistakenly opened then discarded, I will be waiting for it to arrive and it never will. If the Rep I have been asked to speak to for telephone transfers fails to include every single digit on my account on the transfer, it comes back to my checking which causes more punishing interest to be charged to me. Then, I call the credit card Rep who flounders around with words not knowing what to do and tells me that it does not make a difference if the beginning "zero" on my checking account is omitted. Doesn't the computer count the number of digits on an account number? Since all of this was caused by employee negligence and incompetency, shouldn't I be able to recover all the interest charged to me through no fault of my own?
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1 comment
#1754

I been screwed by bank of american, and now I got an attorney agaisnt collecting the debt, I paid the overdraft and they open a credit card account which I did not ever signed up or use a credit card. Them crooks

ID
#107845 Review #107845 is a subjective opinion of poster.
Location
Las Vegas, Nevada
Product
Bank Of America Credit Card

B of A is negligent!

Bank of America falsely provides customer with account information regarding their "current balance". Upon speaking with a customer service rep. i have clarifyed issues about overdraft fees and the answers given were directing me to a mucked account after a withdraw was made. I kept asking why and was given open ended answers leading me back to giving them the funds that they stated were owed. How does an online account mislead the customer? When there is a "current balance" that is not current, why is the customer led to believe that they can spend that "current balance"? Bank of America uses their planned obsolesence to their advantage to give customer a lack of satisfaction and a dent in their account. Their customer support is rude and unclear of the situation and makes irrelevent answers for questions regarding any information with "pending" transactions and "current balances" of account info. They also said they are not 'personal accountants" of customers, then why do they manage to take your money from you when they say theres enough in your account, then when you use it, the penalize you by keeping track of your account info when there is no money in it? They are un'ethical and practice shady business tactics. B of A is "breaking of accounts"! Not bank of America. They should be shut down!!!
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4 comments
#259235

You are correct the only viable solution would be to take your lender to court and sue them. Especially B of A...

If you took out a loan or it was transferred between 2002 and 2009 there is a really a good chance that your loan was

securitized....Now is the time to take the decision making power away from your lender and level the playing

field in a court of law. Now is the time for homeowners to stand up and be heard for all the abuse, inconvienence

and fraudulent practices they have endured by their lender..Lenders are not approving loan mods.. they stand to

make alot more money if they foreclose on you. In fact 94% of the people that apply for a loan mod are denied..

In addition, loan mods do nothing to help people that are upside down in their house. If you would like to know

more about this and to find out if your loan qualifies for this opportunity then e-mail me at

dallas92270@***.com. and let's talk and be sure to put "sue my lender" in the subject line so I do not mistake it for spam

and delete it.. Dallas

#116662

First may I ask why would you want to modify your loan when there may be fraud in your mortgage that you were not aware of. You can take that fraud and make those that broke the law pay rather than you paying them to defraud you.

When the banks break the law they owe YOU money, it says so in the law. The way to show they broke the law is in auditing the paperwork. A forensic audit performed by certified professionals can go over mortgage documents and find the violations of the law. Since a crime may have been committed you need to treat the paperwork as such.

From the audit then a letter asking for more information or a rescission letter asking for the return of ALL money paid in and for them to divest themselves of all claims. From there litigation paperwork can be created ready to file into court. They do not want their violations of the law before a jury of 12 homeowners who may wonder if they were defrauded as well. See all the "MISTAKES" they make like losing document etc may be more than that, it may be intentional which is fraud.

endlessfrauddetection.com contains example after of example what the law says when it come to mortgages.

If the people are going to take back this country we need to do it one home at a time with the law. When you have gone through the site and see just what you can do then contact steve@***.com to start taking back this country one home at a time.

#114121

Iam going throw a mod with bank of amercia they gave me one my mortage would of been 993.02 was 4,300 when we did everything they said to went to start my new payment de only to find out they decline my loan mod when I asked why they said because I didnt send paper which we did fedexed them back with there return address and they didnt get them.Them when I called the hope ppl they said they got everything and my loan was donr but the retentsion ppl said no not because of the paper now but I didnt answer there phone all call so I lost that loan mod and they new one is 2,670 I asked why cant they do the 1st one I was told on time only they will offer that I find it funny who would blow that dial right they lyed I sent the papers they got everything now I dont know what to do an you help??

#8762

Mortgage servicing is even worse, especially when bancruptcy is issue. 5 yrs pd.

them off. their lawyer told banktuptcy trustee no more money due 3 yrs. in. I called after dischg.

to get payoff- was told I owed them $2,000. Trustee had to send ck.

to me. I had to wire transfer to them.

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ID
#107608 Review #107608 is a subjective opinion of poster.
Location
Lathrop, California
Service
Bank Of America Online Banking