Miami, Florida
Not resolved

This is an actual live online chat with Bank of America. Note: I made the deposit at 8am on Friday.

Welcome to an online chat session at Bank of America. Please hold while we connect you to the next available Bank of America Online Banking Specialist. Your chat may be monitored and recorded for quality purposes. Your current wait time is approximately 0 minutes. Thank you for your patience.

Thank you for choosing Bank of America. You are now being connected to a Chat Specialist. For security purposes, please remember to close your chat window when completed.

Sierra: Hello! Thank you for being a valued Bank of America customer! My name is Sierra. May I please have your full name (including middle name)?


Sierra: Hi, XXXXXXXX

Sierra: How may I assist you with your personal checking account and savings account ?

You: Hi, I was told at the bank that the deposit that was made at 8am...wait

You: would post at midnight. When will it really post to my checking account.

Sierra: I understand that you are inquiring about the deposit

Sierra: May I have the last four digits of your account number in question?

You: looking for it.

Sierra: I will wait


Sierra: Thank you.

Sierra: I apologize for the inconvenience caused to you.

Sierra: I would like to inform you that the transaction will get posted to your checking account after 6 a.m. EST

Sierra: Once the overnight processing is done.

Sierra: I request you to check it after 6 a.m. EST

You: I was told at the bank after midnight. Why would they give an improper answer. I hate THAT!!!!!!!!!!!!!!!!!!!!!

Sierra: I apologize for the inconvenience caused to you.

Sierra: You can be assured that we will make every effort to avoid a similar situation going forward.

You: This has ALWAYS happened with BOA. Depends who you talk to, you always get a different answer. I'd like to put a formal complaint in. You just CANNOT do that to people.

Sierra: I will be transferring you to a senior chat specialist who will assist you further. I have explained the reason for you contacting us today. (She/He) will be online with you in just a moment. Thank you for your patience."

Please wait while I transfer the chat to the best suited Bank of America Specialist.

Thank you for choosing Bank of America. You are now being connected to a Chat Specialist. For security purposes, please remember to close your chat window when completed.

Stephen: Hello Xxxxxxxx. I am Stephen and I am a Senior Chat Specialist. Please allow me a moment while I review your conversation with Sierra.

Stephen: Thank you for waiting, Xxxxxxxx.

Stephen: I understand that you wish to know about the cut off time for posting the deposits right?

You: The LADY at the Xxxxxx, Xx branch assured me that I would have access to my funds at midnight. I told her I had to purchase a text book online and stayed up to purchase it. NOW, I'm being told by ANOTHER LADY Something DIFFERENT at 6am.

Stephen: I do apologize for the inconvenience this may have caused you.

Stephen: However, each banking center has its own cut-off time posted in the lobby. When you make a deposit on a business day before the cut off time, we consider that day to be the day of your deposit.

Stephen: If you make a deposit after the posted cut-off time or on a weekend or holiday, the deposit is considered to be made on the next business day.

You: I made the deposit at 8am

Stephen: I see that your deposit was made on 3/2

Stephen: therefore, the deposit will post to your account during Monday's overnight processing

Stephen: which will end by Tuesday morning 6 am.

You: *** NO!

You: They didn't say that!!!!!!!!!!!!!!!!!!!!!!

You: BOA just says lies!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

Stephen: I once again apologize for the inconvenience this may have caused you.

Stephen: I see that the deposit is already in processing status

You: And? Can you do anything?

Stephen: I sincerely apologize, the deposit has to wait to be get posted on the account.

Stephen: as the deposit was made on 3/2

You: That lying b****! Well I'm posting this conversion on line so people can see how BOA LIES!!!!

Stephen: I do apologize for all the inconvenience this may have caused you. I request you to please wait for the final deposit to post to your account.

Stephen: Also, as you mentioned above that you wanted to buy a book

Stephen: you may pay the merchant using Bill Pay service

Stephen: will the work for you?

You: no

You: Not "wanted", "Need"

You: I hope this spreads like Wildfire on the internet. To add fuel to the fire, where are you located?

Stephen: I am located at one of the globally based contact center for Bank of America.


You: India?

You: China?

You: DR?

Stephen: India

You: Thought so, well No thanks for your no help. Over here people listen to the injustices that banks and business do.

You: but thanks for your time

Stephen: You are welcome

Stephen: Would there be anything else that I can answer for you today?

Stephen: I'll be glad to do so.


You: NO.

Stephen: It was pleasure chatting with you, Xxxxxxx.

Stephen: Thank you for choosing Bank of America for your financial needs.

Stephen: To safeguard any personal information, please close this window by clicking the "Close" button in the upper right corner of this chat window.

Last text message received Thank you for chatting with us today. Please clickhere to close the chat window.

Product or Service Mentioned: Bank Of America Banking Service.

Monetary Loss: $230.

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BofA were courteous and professional in the face of a disgusting racist ***. No need to buy that "textbook" (what I can only assume is code for "drugs") because with your ***-poor attitude and social skills, you carry you very far.


I honestly feel bad for the person who had to deal with you..


Childish :roll




I have heard SO many bad things about Bank of America...I hope I NEVER have to do business with them.

And, furthermore, I don't get it...if you made the deposit at 8 am...why wouldn't the funds be available to you that SAME DAY?? Why would it take BOA all that day PLUS all of Monday to handle a simple deposit??

No wonder this country is going downhill.


Hey samantha, it may be a check deposit...if it would be a cash deposit it will be available immediately...The above person did not mention abt a cash deposit..right?


Boy, you really showed them. Actually, in my opinion, all you've shown is that you are a rude, petulant, ***.