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I had replied to an ad for a job and this job entailed picking up packages and redistributing them to various places. Well, the first check came to pay me and to pay for the shipments. I deposited this check into my account ( i did not withdraw a penny of it) i was waiting to see if it cleared the bank first. Well, it did not. It was a scam. I was penalized for this by bank of america. They closed my account and turned me into check systems. I did nothing wrong. I can not see how i could have done this any differently. I deposited the check, waited for it clear without withdrawing funds from it. Isn't that what i was supposed to do?
Well they gave me the run around for days and then shut me down. No questions, no explanations, no options! When i called the home office to express my concerns and opinions on this matter, it was awful how i was treated. As if i were some common criminal. I was only told in a condescending tone of voice ( repeatedly) that my account was closed and i had been charged $35 for this non existant bank in which the check was drawn on and that i would never have another account at this bank. In my eyes, my bank should have had my back in this situation especially since i had not withdrawn any funds on this check.
I also called the bank on the third day and expressed my concerns about the validity of the check since it had cleared, and that i did not want my personal information disclosed to the sender of the check. But none of this mattered. I was treated as if i had done something wrong. I am still confused as to why.
I called customer service to notify them that some places would only accept my debit card as credit not debit and many places couldn't even read my card. I couldn't even withdraw money from any of their ATMs because my new "upgraded with a chip" card could not be read.
The BOA rep. misunderstood me and abruptly corrected me with the fact that my card WAS functioning because I had made 2 recent purchases. One purchase was at the grocery store, and the other was for my cell phone service. My grocery store purchase had to be done as credit, because I couldn't use it as debit and of course I couldn't get cash back as I wanted. And my phone service is an automatic withdrawal.
After the rep declared that my debit card (which is labeled as such) is actually a credit card NOT a debit card. My husband interjected in my defense and told him not to be correcting me and to listen to what I had to say. The rep then told my husband to watch his tongue. Then he threatened that there was fraudulent activity so he was going to have to place a block on my account. I told him I give permission for my husband to speak, then I told him to let me speak to his supervisor. After having to request that a few times he finally told me I'd have to hold a while while he got his supervisor. I waited about 20 mins, then another man who didn't professionally introduce himself, got on the phone and asked what the problem was. I explained what my situation was. His response was, "Ok hold on a second." Then it sounded like he covered the phone with his hand as if he were speaking to someone else, then he hung up. I was shocked that I had just experienced this kind of service with a reputable bank and I was left with a sickening feeling of distrust knowing that sketchy unprofessional people like this have access to all of my information.
Today I visited the Merritt blvd. BOA to open an estate account for my mother who recently pass away. I was so privileged to deal with Betty Eanes, who in my opinion is by far one of the best and most understanding representatives I've had the pleasure to deal with. Her condolences were sincere, her attitude positive, and her advise priceless. I came in frustrated and overwhelmed with my executive responsibilities over my mothers will, and left with a sense of accomplishment, and a better grip on what is expected of me, for she has been in my position and related to my responsibilities. Thank you Betty, the world needs more people like you.