RateItAll: The Opinion Network

This bank increased my rate to 25% eventhough I made my payments on time. I tried to negoiate with them and they said "you wish you could transfer the balance, don't lie to yourself". Well guess what? I now have a 0% balance with Chase. Stay away from Bank of America, please.

Bank of America should be renamed bank of a$$holes.

They say their services are for customers only, but the truth is that their service is for investors only meaning you have an account there and there for are making them money.

Great you may get great customer service, but write a check to you daughter, mother, employee, a client, who ever, know that when they go to cash it your bank will treat them like dirt if they don’t have an account.

Starting with whom ever you write a check to whether they are elderly and frail or wheel chair bond or have a minivan full of toddlers, they have to get out of their car in any weather and go into the bank with their cane or wheelchair or flock of bouncy toddlers, just to cash the check

That’s right the drive through is off limits to the person you are transacting with.

Second off, Bank of America does currency exchange but only if you are a customer, because apparently if you’re vacationing here you need to open an account. so god for bid your aunt Ida fly in from France and finds her self in a town with one bank in need of a cab and no American cash on hand, although bank of America has the capability and policy of exchanging funds screw your aunt because they don’t care.

If you stumbled in off the street on fire and don’t hold an account at bank of America don’t even expect the bank manager to go so low as to even pee on you to put out the flames, because unless you hold an account at bank of America you just don’t matter.

Perfect customer service? You've got to be kidding. I'm really considering changing banks. Within the last year I have had several bad issues with this bank. They called to set up a new CD account for me and ended up screwing it all up. Reported them to the Comptroller of the Currency, Administrator of National Banks. That finally got them to rectify the problem. Made an online payment in March to my credit union and this month I see a credit of the same amount. When I call to question them about it, they have no notes on the transaction and no one can figure out why it was credited back, it was showing up as a "stop payment" even thought I never stopped any payment. The credit union says they never received the payment. Now I've got a restaurant charge appearing on my March statement for $20 over what it should be. I emailed them to contest the charge and they emailed back and told me to write a letter and gave me an address to send it to. Weeks passed and no word so I called in. They said they had no record of it and if I didn't call in to get a claim number first, they wouldn't even look at the letter. None of their literature reflects this rule and I have an email telling me to write the letter! So it's been weeks and they have now sent me three letters stating that there's nothing they can do because I had to contact htem "no later than 60 clendar days after the date the statement was sent to you in which the discrepancy first appears." WELL I DID! So I call in today and the guy I spoke to said that it has to be 60 days from the date of the charge. I told him that the letters state different and he said the letters are wrong. When I asked to speak to another supervisor, he refused to patch me through and told me I had to call back and go through the process again. So I did. The next supervisor feigned being appalled by his behavior and said he was wrong about the policy. I told her that none of the departments seem to agree on anything. She guaranteed that I'll get my $20 back. We'll see. The only reason I stay with this bank is because it's close to my house and there are countless ATM's available when I need it.

Bank of America offers perfect customer service. They gave me my very first savings account, my very first checking account, and my very first line of credit. I really appreciate their online bill pay, their online My Portfolio, and their security department for the debit cards. My free checking account is worth whatever maintenance fee they want to charge me. In my opinion, five out of five is not the rating they deserve; honestly, they deserve a six or seven out of five for their customer service. Bank of America should begin calling themselves "Credit Union of America" because their customer service is as good or even better than a Credit Union!! I don't mean to beat a dead horse but Bank of America has definitely won my business and they have made themselves a very loyal customer; I will go to them first for all of my future banking needs (car loan, home loan, credit cards, commercial banking, etc).

Pathetic bank to deal with, though I appreciate the ppl at the branch.
1. If you are online banking users they give all kinds od offers once you log out, like Privacy assist, overdraft with 4-5 buttons to confuse you. In hurry you click any of the buttons without reading it and you will be poorer by atleast $30 per month for this courtesy.
2. They promise the moon by offering credit cards, even after 2 months you dont receive it. You cancel it, they take 3 months to cancel it. Then next 2 months to send the cheque (if you are using a secured card). So you end up locking your say $500 (given for the secured card).

I have been a happy Bank of America customer for many many years. In fact I was part of Security Pacific and migrated into Bank of America post Merger. Even that was well orchestrated in my situation. I have although found that you need to go to the right people for the right things and not assume that a teller can fix any problems you are having. There is a seperate executive customer service line that you can request if you are unsatisfied with regular customer service for severe or excalating issues. Also, I have found it beneficial to make the bank aware when I travel since I leave the county at least once a year. Many consumers are on these blogs complaining about freezes or blocks due to unusual activity. But of course, how is the bank supposed to know you are travelling and that your cards/information is not stolen? I have found you can avoid this isssue by simply calling them when you are travelling or when a transaction is out of the ordinary. Many of these complaints are situations that are reasonably resolved when approached calmly and rationally. I am not saying that charges never happen, mine have almost always been my own fault, and the fees disclosed. I may not like it, but no other bank is going handle the situation any differently. Anyway, to each his own, I have never had an issue with the Bank of America and would recommend it to others.

They've been great in processing transactions and checks accurately for the last 13 years. but i get a damn fee every month, even when my checks are direct deposited from my company and my balance > 1000 every month. I'm switching to Washington Mutual very soon.