I have finally closed my last account associated with Bank of America. I banked with BoA for about seven years and had several different accounts with them. While I found that at many different branches the folks who worked there usually had decent attitudes, the overall company attitude of BoA has always been one long and tireless fight to ream every bit of money out of you they can. The final straw for me, and by NO means the only time, was that my BoA CC ended up with an outstanding balance because of a charge that didn't quite make it onto the monthly bill. My account the ended up delinquent for just over 30 days, over $5 dollars, by the time I had reviewed my account statement it was already late. So because I, a seven year customer who had always kept my accounts up and paid all my bills, had $5 more than 30 days overdue they actually reported to a credit agency! For the next seven years I now have a black mark on my credit score! Seriously BoA? I could understand it if I was behind every month, or even if it was a major payment, but over $5 dollars that I paid straight after finding out? All my BoA accounts are now closed and I will no longer deal with them. I would feel more comfortable with my money stuffed in a pillowcase.
Received a statement February, 2014. Called, canceled credit card. More statements, same annual fee, but now with interest charges. Contacted customer service at phone number on statement-on hold 75 minutes, gave up. Chatted on line with Peter. He was unable to help. His supervisor- unable to help. Called again, talked to Ray. He was rude and condescending. He informed me that had I canceled the card on 2/6 instead of 2/16 I would not have been charged. It didn't matter that I closed the account, I still had to pay the fee, and the account is now "past due". He said that I was wrong to think that I could just contact customer service and they would resolve my problem. He also said that it didn't matter who I spoke to within the entire Bank of America Corporation, no one would help me out. This is exactly what transpired, all of it is true and per my experience I would have no further dealings with them in the future and plan to dispute these charges.
In spite of rising fees and some rude personnel, I have kept my accounts at Bank of America for 30 years. The rude, condescending treatment I got today is causing me to reconsider.
In February someone fraudulently charged pornographic materials on my debit card. I saw it within a few days looking at my online account. It took three different phone calls and talking with half a dozen people make a complaint and cancel my debit card, with a new card sent to me. Today I looked at my account online and I saw that Bank of America had canceled the credits they had given me for the fraudulent charges. I called the customer service number an waited on hold for 20 minutes to talk to a representative. When I finally reached that representative, he told me that the credits had been canceled because I had failed to return paperwork to Bank of America. Since no one had told me I would receive documents which would need to be completed and returned, and I received no such documents, I was surprised. The customer service representative told me he would transfer me to the fraud department. There was another 18-minute wait. The fraud representative treated me as though I were a slow-witted three-year-old. He interrupted me when I tried to describe the problem and told me that if I checked my statements I would have seen that the merchant had given me a credit so Bank of America canceled theirs. Since I had received no communication and no funds from the merchant, I was surprised. I am a well-educated professional woman and I resent the arrogant, imperious attitude this man exhibited toward me. One would think that Bank of America could find employees who could treat customers with respect, but apparently they cannot. USAA here I come!