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 In my eyes, MY BANK should have had my back in this situation especially since I had not withdrawn any funds on this check.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.
-Customer service will tell you one thibg but other agent will tell something totally different
Recently I started the process of refinancing my mortgage through BoA to take advantage of the HARP program. The Bank of America mortgage representative mailed a packet to me using normal USPS services. The mail was delivered to the wrong address and sat on my neighbors kitchen counter for a few days. When I finally got the packet and opened it, the top form contained my name, social security number, date of birth, home address... every piece of personal information imaginable to conduct identity theft. I brought this to the attention of the mortgage representative and the Mortgage Sales Manager and all they were concerned with was making the closing date of the refinance and they blamed the Postal Service for the problem. Normal Postal Service is best effort deliver; everyone knows this and BoA should know it as well. At the very least they should have sent my information via certified USPS mail or Fedx that requires my signature and ID for delivery when handing social security informatio and even that is not the safest method. There are many ways to secure customer's personal information these day but for some reason Bank of America is more concerned with profits and commissions and not protecting their customer's personal information.
So if anyone is going to use Bank of America for home refinancing, you should be absolutely ***afraid*** of how they will go about handling your personal information during the process....